BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I use the XXXX store card or the XXXX XXXX card and I get a refund it's never credited to the card it never comes off the total it is held as a gift card so they never lose that money and I never gain it back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX account XXXX XXXX XXXX, XXXX XXXX, XXXX DEPT OF EDXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-20
Company: Palm Beach Credit Adjustors, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting on my credit since 2012 for an item that is NOT mine. I have requested proof multiple times and have been disputing it for months and months with the bureaus and none of them have provided proof that it is mine.

For one the debt is old and past the statute of limitations for 2 it is NOT mine!

Unless they can provide a signed contract by me then it needs to be deleted.

For the bureaus XXXX XXXX  IS NOT VALID VERIFICATION!!! Im so tired of these entities being able to do what they want. I need this removed!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have 3 home depot cards that are supposedly all linked. I receive emails letting me know when something is due on my account, every time I check I have XXXX due to my account paid and a {$6000.00} credit line. I don't know why, but the account # XXXX XXXX XXXX XXXX has a {$55.00} charge for which I was never sent the email or statements for and is now in collections with XXXX XXXX XXXX with a balance of {$370.00}. I tried calling Home Depot several times for the statements and to try to explain that it was not fair that this charge is on my account and not notified of owing on this credit card, since all my account are linked. I don't even know if it's my charge, but it's ruining my credit. I would make an arrangement with the collection agency just to resolve, but they are charging me over 400 % of the balance and will report me as short paying a debt. This has been very difficult for me because when I login the accounts are suddenly not linked now and they have an old address and my new address. Here are my other credit card number with Home Depot # XXXX XXXX XXXX XXXX and # XXXX XXXX XXXX XXXX. 
If you could please assist me with getting this resolved, as I dont believe this charge is mine and it affecting my credit negatively. Home Depot will not send me the statements or my signature that I signed for this charge. 
Thank you, XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: CHECK INTO CASH INC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I went in to a check into cash and inquired about obtaining a second payday loan ( already had one with there company ) and she said yes it was okay to have 2 loans at the same time. This was incorrect, I was Auto denied because per check into cash customer service you can Only have one loan at a time. So I was deceived into signing a credit check disclosure. If she would have given me the correct answer of course I would not have applied. I spoke with check into cash customer service and they let me know only one loan was allowed at a time, I notified  them about the wrong information given in store and filed a complaint with request to remove the inquiry. 30 days later I was a sent the signed disclosure saying I signed it. Even though the rep either knowingly lied or did not know and neglected to make sure that I was able to have a second loan

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I have been repeatedly targeted for the American Express Gold card and have been denied due to being a customer too briefly, which seems to be an arbitrary reason. Some other new customers are given two cards on the same day without a prior relationship. My other denial reason has been too many inquiries, despite one of them being a fraudulent inquiry, for which a dispute was not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Chime Financial Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have an on line bank account with chime my social security checks are direct deposit in my spending account. They offered me their credit builder credit card I was told I put amount I want to spend on card and that's what's available but that not how it works I called them and I was told they took XXXX from my checking on XX/XX/XXXX so that was available to spend but then XX/XX/XXXX was a new statement so they took out of my money in credit builder because said I owed them because even though all my check was put in XXXX was new month took XXXX that I spent when my money was available. It is made to be confusing they took my money and I want to close account and I want my security deposit back it's my rent money and chime couldn't explain why other then month before I had put more money in but as a secured credit card that's not right I did not go over my limit I put money in to pay bills and they took money for bills 2 days after I put it in there

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Caliber Home Loans, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Caliber Home Loans Continues to report incorrect information that is damaging to XXXX  score and reduced our ability to get approved for a loan and caused creditors to deny us credit and has delayed the buying of our horse barn warehouse and has postponed our development. 

See attachment from XX/XX/2022. 

Caliber has not reported my on-time payments for XXXX and XXXX and made a mistake and marked XXXX 30 days late, and the ending month balance is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I called Capital One in XXXX because of a improperly allocated {$450.00} payment.

When I called and talked to the agent he told me he was going to re allocate the payment properly to bring my account current.

I got an email saying my account was nearing 30 days past due so I called back in, and asked them to pull the call and see that I was promised re allocation and they didn't deliver that.

After that I was told that they actually can't even allocate that payment and was never told.

So we got to a manager who than designed my payment plan to fall into COVID-19 relief and get moved to the end of the loan with a grace  period until XXXX or XXXX. 

Fast forward to XX/XX/XXXX that didn't happen as I got another note saying my account was now 17 days past due. So when I called in again explaining I was promised something that they didn't deliver because the improperly trained staff and I didn't understand why I was being held accountable for their misinformation. 

Than they hung up on me and I wasn't even being rude, I called back and now they moved another payment but still haven't addressed or fixed their breach of contract. 

Capital One is breaking contract by promising things they aren't delivering and I don't know what I can do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My name is XXXX XXXX XXXX XXXXDOB XXXX, SS XXXX my address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX please add the XXXX to my name.I have a few incorrect items on my credit report. I have NEVER been late on any of my credit card accounts The following account is not accurate please delete XXXX XXXX # XXXX I never had a collections account sold to another office or transferred I am not sure maybe it was confused with my father we have the same name XXXX XXXX XXXX XXXX he was lived at XXXX XXXX XXXX , XXXX XXXX GA XXXX. That address is not mine please remove it from my credit report. The following phone numbers are not mine please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I would like my name OPT OUT of pre-screen credit cards and insurance promos.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-02
Company: State Home Mortgage
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The closing date on my home loan with State Home Mortgage company is XX/XX/2017 and the loan payoff payment was made, however the company reported the XX/XX/2017 payment as 30 days past due on my credit report. The XX/XX/2017 payment should not be listed as late because the home loan was paid off in XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: Security Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Call to get the debt validated Collection company would not mail or email mail anything would not give me my account number XX/XX/2018 Reporting to my credit {$3100.00} does not have a contract with my signature. Company put a note on my account stating that this is my debt and i just do not want to pay Original Creditor : XXXX XXXX Second Creditor : Security Credit Services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XX/XX/XXXX Amounts : {$920.00} Actions : I called XXXX XXXX XXXX  and told them that I did not get on the Paramedic when they came to get me after an XXXX XXXX. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XX/XX/XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XX/XX/XXXX ( 5 yrs, 5 mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live 2 hours close to it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XX/XX/XXXX ( 2 yrs, 7 mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XX/XX/XXXX ( 3 yrs, 10 mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX  needs to verify with where they got this information and find the right person who owe them. 

Dates : XX/XX/XXXX ( 3 yrs, 9 mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX XXXX which I have no idea what 's that. This needs to be removed. 

Dates : XX/XX/XXXX ( 2 yrs, 8 mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX XXXX XXXX which I know but the amount is totally wrong, and the account is more than 7 years old, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
First of all, my account was put on certified funds last XX/XX/XXXX due to what the Caliber Home Loans said was multiple NSF fees. They took out two payments in XX/XX/XXXX when I cancelled one before it was processed, however, it was still taken out. I then called my bank and put in a complaint. I then paid our XXXX payment by XX/XX/XXXX and received an email about a week later stating they are waiting for payment. I just thought there was a glitch so I resubmitted. Well during all this, Caliber said they were getting an NSF fee. We had more than enough money to cover {$530.00}. I called our bank, XXXX XXXX XXXX, and they said you have received no NSF fee and have money to cover it. They have also faxed numerous letters stating this. Caliber still would not release the certified funds only from the account. 

Second, during the loan modification process, it took almost 60 days before they said they received a full package. They kept stating they had everything to make a full package, then a few days later, they would say oh we need this now. I finally received a decision, via mail, that stated I was eligible for a forbearance. I owe XX/XX/XXXX-XX/XX/XXXX + all attorney fees, which totals {$5900.00}. However, they are stating start XX/XX/XXXX I pay {$1400.00} + {$530.00} ( regular monthly mortgage payment ) until XX/XX/XXXX. I take {$14000.00} x 6 = {$8500.00}, which is to pay what is owed previously. I have called to ask where the {$2600.00} is going. One SPOC stated is was an interest bearing loan. I know this is incorrect. Another SPOC could not tell me. I have asked if the LM underwriter can take a look to verify these amounts as I feel they are incorrect. I also make {$3300.00} NET and having a monthly payment of almost {$2000.00} is unreasonable, in my opinion. I have only {$1300.00} to get all my other bills paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX/ XXXX XXXX appears with a high balance owing. 

There are XXXX dollars due to this Company. 

I have attached a Copy of most recent statement, that I printed online. 

I need for All 3 credit bureaus XXXX, XXXX & TransUnion to show XXXX amount owing. Correct Credit Reports and increase credit scores for all 3 Bureaus. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have 10 transactions that are payments made to a company called XXXX XXXX. I have ordered from this company for years. The way the company works is you make a purchase to reserve an order of bulk meat that will come a few months in the future. XXXX  is essentially cutting out the middle man grocery store and delivering from the farm or supplier. They abruptly shut down the website/company with a simple message that said they are no longer in business. I was scheduled to have 10 orders coming! I immediately filed the claim with full documentation to my bank. Documentation including charges, confirmations of orders and scheduled delivery dates that never happened. The bank gave me a temporary credit and is now denying my disputes saying it is outside of the time frame. The nature of this company is outside their time frames, I filed immediately. Literally the day it closed. I have escalated it with not much help. These were not pin pad transactions so I was hoping that would help. We can not take a loss {$940.00}!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief