BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and XXXX XXXX this negative rating has caused me and will continue to cause until it is resolved.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2022-09-02
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
We completed a home equity loan with XXXX XXXX XXXX to consolidate our debt because like most the pandemic hurt us financially. Two of the items in the consolidation was a XXXX retail credit card and a XXXX XXXX XXXX credit card both are backed by Comenity Bank. Both checks were sent to Comenity and both were cashed successfully on XX/XX/2022 and one check was applied correctly to the XXXX card so that is paid off. Our XXXX XXXX XXXX card was paid with check # XXXX for the amount of {$3400.00} and per confirmation of XXXX the back of the check was endorsed with the stamp for Comenity bank. The check was referenced to my name and my card number. Actions taken have been I have sent two secured messages and neither were helpful and had nothing to do with my concern. I replied a follow-up and have not heard back. I have called 5 to 7 times no joke and I either get told someone doesnt know, I get hung up on when they transfer me. Or they are just plain rude. I was told that it would be 48 hours to show, didnt happen, then I was told 10 to 15 days, didnt happen, inconsistent. My last call on Tuesday XX/XX/2022 they setup and investigation that can take 30 days but they said I still owed them a monthly payment or fees and interest would be assessed, so I made that today XX/XX/2022 because they couldnt help me. I wasnt given any case number or confirmation they just said they would communicate through mail, they didnt even verify they have the right address on file or anything. I need this money found because my home equity kicks in soon and I have to start paying that and cant afford both payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After their last response, I contacted Rushmore AGAIN. Every single Rushmore agent, including the one I spoke with minutes ago on XX/XX/2019 at XXXX XXXX PT stated that borrowers monthly escrow deposits and analyses are based on the most current tax bill paid. They just paid my annual tax bill in XX/XX/2019. XXXX XXXX assessed the property and that is the actual bill that Rushmore received and paid. My taxes are paid one time per year. The higher amount of {$4500.00} ( instead of the actual annual due of {$2500.00} ) that was estimated at closing was something made up by the lender not based in fact that I can find anywhere and I should not be subject to this fiction. Further, I was told that this would change as soon as the county actually assessed the property which they did. Aside from the first response to my CFPB complaint, Rushmore has failed to EVER tell me they require anything besides the last official tax bill to estimate and analyze tax escrow payments on an account. EVEN TODAY their phone rep said they had it wrong and need to re-analyze the account because they could see the bill and were charging wrong. Every single representative knew that the property had new construction on it, even the rep today, and they said they got it wrong and needed to re-analyze Because the latest actual bill is what determines upcoming monthly escrow deposits and they had that bill. Knowingly over collecting for escrow is a RESPA violation and knowingly requiring inflated payments is a TILA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-08-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I made a transaction on XXXX using my Chase XXXX account to which I was scammed. I called Chase to make a claim and spoke to a claims supervisor named XXXX ( badge # XXXX ) and she told me that I had no recourse of action. I questioned her about regulation e and she informed me that XXXX doesn't fall under this. The scammer received {$120.00} from me and she didn't even want the information to investigate the details saying that it was not the bank 's responsibility to shut this scam down. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am receiving letters from credit card companies saying that they're declining my application for their credit cards even though I have never applied to any credit card companies recently. I only own one credit card and a debit card. However, multiple cards are trying to be opened in my name. These letters I receive say, " we need more information to approve your application, '' " we are declining your application because we believe someone is using your information fraudulently, '' or " we need to confirm your total amount of income. '' So far, I have received three letters from XXXX XXXX, XXXX XXXX, and Chase. I have no current or past accounts with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I took the loan foXXXX XXXX XXXX on XX/XX/2022. 
I made a manual payment of XXXX XXXX  on XX/XX/2022 which i got it reversed by my bank on XX/XX/2022 as i had paid that in error. 
The Lender Deducted the amount of XXXX on XX/XX/2022 as per the agreement and my account got paid in full as of XX/XX/2022. 
Now, i have started getting collection calls threatening me that they will block my checking account and block the funds in there. they will also send people to my home to collect the debt. 
i am very scared and hence i am writing to you to please help me. 
i have attached the screenshots of my bank statement showing that i paid both the amounts and one of the amount which is XXXX XXXX  manually paid by me was in error hence i asked my bank to reverse. 
My bank investigated the matter and then reversed the amount that i paid in error to the lender. 
thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was reviewing my credit card statements for the year closely and noticed that I have been charged interest 6 times in XXXX when my balance was not paid in full only twice. When I called Capital One to discuss this with them, they told me that it takes two full months of the balance being paid in full before they stop charging interest. 

She explained it to me like this : If in XXXX, I owe {$500.00} and pay off {$400.00} carrying {$100.00} over to the next cycle where I incur {$300.00} more plus a {$10.00} interest fee for XXXX but pay in full the now balance of {$410.00}, I will also carry an interest charge to the next month. She told me it takes two months in a row of paid-in-full payments to cancel out interest charges. This sounds to me like double-cycle billing, a practice that was outlawed with the Credit Card Accountability, Responsibility and Disclosure Act of 2009. 15 U.S.C. 1637 ( j ) ( " Except as provided in paragraph ( 2 ), a creditor may not impose any finance charge on a credit card account under an open-end consumer credit plan as a result of the loss of any time period provided by the creditor within which the obligor may repay any portion of the credit extended without incurring a finance charge, with respect to ( A ) any balances for days in billing cycles that precede the most recent billing cycle ; or ( B ) any balances or portions thereof in the current billing cycle that were repaid within such time period.

( 2 ) ExceptionsParagraph ( 1 ) does not apply to ( A ) any adjustment to a finance charge as a result of the resolution of a dispute ; or ( B ) any adjustment to a finance charge as a result of the return of a payment for insufficient funds. ) Since my payments are not a result of any adjustments to finances charges from insufficient funds or arising following a dispute, the practice of charging me interest twice on the same money violates this law and I would like my money refunded, their practices investigated, and this behavior to be stopped going forward. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: EQUIFAX, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I wrote to Equifax requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was received by them. I wanted a investigation to be done to remove accounts that are Inaccurate. This is affecting me financially in more ways than one. I havent received anything acknowledging that an investigation has started or completed. I need for you to delete these inaccurate items as soon as possible from my credit file. I sent my dispute letter on XXXX of XXXX and a follow up letter on XXXX of XXXX so this counts as my third request. Under XXXX XXXX, you are required to complete and notify me of your investigation results within 30 days, we are now way past the legal time frame now! I ask that you please DELETE these inaccurate items from my credit file, Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CITIBANK, N.A.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good Morning XXXX XXXX XXXX ; This is unreal! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

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 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX charged me for a membership after I told them I didn't want to renew my membership. It took longer than usual to get the credit on my credit card. I told Capital One I would not use my card until I received the credit in a check from Capital One. I have notified Capital One numerous times to send me the credit on my card. Capital One has carried a credit for 5 months and refuse to send me a check for the credit. I want my money. Capital One has promised me they would send me a check. They have not honored the promise and are keeping my money. I had a complaint in 2017 with Capital One -- a merchant used my card 3 times without my permission. Capital One insisted I pay the money charged. I am in the process of filing a lawsuit against the merchant to get my money back. I don't want to have anything to do with Capital One. I plan to cancel my card as soon as I get my credit from the XXXX membership refund. How do I get Capital One to send me my money? I have tried to attach a copy of my statement but found it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a paperwork from the US NY Marshall for garnishment of my check in late XXXX. The paperwork states that I owe a debt to capital one. I contacted the number on the paperwork and was informed to go to the police station to file a fraud report. I was advised that they are not filing reports since there is no party to file against base off my paperwork. I paid the agreed amount back in XX/XX/2019. This information reflects on my XXXX credit report and XXXX XXXX reporting. My report this morning reflects XXXX  accounts in collections. I have an email from XXXX XXXX that I paid off a collection account with 08 Capital One Bank USA N A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have called multiple times and asked them to removed those bankruptcys off my report. I was told they can not remove the bankruptcys. According to USC 1681b ( 2 ) I did not give written instructions to put my bankruptcy on my consumer report. Here are the following companies XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, IL XXXX Dates : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX Dates : 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 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dates XXXX to XX/XX/2018 XXXX  XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXX : Letter sent out got back with me on XX/XX/2018 with documentation with all my information stating I requested a car loan. None of those documents had my authorized signature on them. 
XXXX XXXX XXXX : Letter sent out haven't got back to me. 
XXXX XXXX XXXXXXXX via XXXX : Letter sent out haven't got back to me.

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 2020-12-23
Company: MoneyLion 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 status incorrect

Complaint:
MoneyLion has reported a loan I took out with them as 60 days late. This is not true. I disputed this in the past and it was not investigated properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
An International Wire transfer was submitted to Chase with the assistance of a Private Banking Representative to ensure process was followed correctly. 

The transaction was cancelled by Chase with no reason given. 

A 2nd attempt was made, again with the assistance of a rep who assured the transaction was approved. 

Again Cancelled - no reason given. No phone call to verify transfer was legit - nothing. 

This happened a total of 4 times with no satisfaction. We gave up. 

Chase is blocking us from accessing and using our funds. We can't get to our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Receivables Performance Management, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX, XXXX XXXX XXXX XXXX reported my account as " 30 days past due '' which was incorrect. I'd never paid my account late. I contacted them directly and they refused to update my account status. I then disputed the inaccuracy of their reporting directly with each credit bureau which then confirmed through XXXX XXXX XXXX that the status was accurate, but it is not. Additionally, each credit bureau is reporting a different " delinquent payment '' month which further process the inaccuracy of the reporting. 

In XX/XX/XXXX, Receivables Performance reported a collection account to XXXX on behalf of XXXX. I directly disputed the validity of this account with the credit bureau with no resolve. Additionally, I contacted the collection agency by mail since I'd not received any formal communication about this alleged debt prior to reporting which is a violation of the FDCPA. I've yet to receive a response from the collection agency and the account remains on my XXXX credit report.

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