BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ).

A furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification.

I have late payments on my report, I want removed because I am a victim of Covid-19 and legally Capital One should not have them there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have recently looked over my credit report and notice some fraudulent addresses on my credit report that need to be removed. 
The addresses are listed : XXXX XXXX XXXX , XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Metro Collection Service Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing with this company for years and they never sent validation of debt until this year.They arent even licensed to even collect in the state of Florida.They also been adding {$10.00} on my credit report just to keep the debt fresh so the statues of limitations wont run out which is unfair.The amount they trying to collect is {$2100.00} but the original amount is {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I believe that they have failed to correctly apply my payment to principal and interest. I do not believe my interest has been calculated correctly. 

They do not accurately list how much I still owe on the original principal amount. They do not provide an accounting of how much I have paid in interest in total. 

They refused to allow me to release my co-signor when I applied, even though I met the requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX XXXX, OR XXXX XX/XX/200XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  TX ) XXXX Balance : {$3800.00} XXXX AL XXXX WY XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2021-02-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have tried on two different occasions in XXXX and in XXXX to try to report fraud on my account, Chase keeps saying its my fault and putting the money in my card for me to pay and my FICO score has been destroyed. I am a victim of fraud and my credit has been destroyed through no fault of my own and Chase will not give me my thousands of dollars back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, 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 belongs to someone else

Complaint:
THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2020-07-09
Company: GreenSky, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I was approved for a loan totaling {$4700.00} for plumbing repairs. Greensky was recommended as a lending affiliate by the plumbing company, and the loan was advertised as interest free if repaid within the first 18 months. Otherwise, the loan would be subject to interest of 25.30 % APR. 

The originating transaction for {$4700.00} posted on XX/XX/XXXX, after repairs were completed. 

In XX/XX/XXXX, I began making monthly payments of {$260.00}, ensuring the principal would be paid in full within the 18-month promotional period. 

I recently logged into my Greensky account and noticed that despite being within the 18-month promotional period, I have been charged an exorbitant " Finance Charge '' each month since XXXX : XX/XX/XXXX : {$97.00} XX/XX/XXXX : {$95.00} XX/XX/XXXX : {$91.00} XX/XX/XXXX : {$88.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$81.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter to transunion regarding an account with XXXX XXXX  on my credit. I sent this letter by certified mail # XXXX its been more that 30 days and if theres no response the item must be deleted but yet this item is still reporting I attach copy of letter sent along with copy of receipt from usps that shows the certified receipt

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 2020-05-28
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a washing machine and the matching clothes dryer from Home Depot. 

My granddaughter gave me her un used washer and dryer instead. I called the home Depot store tge next day and explained to the customer service agent that I needed to cancel my order. 

She cancelled the order immediately. However when my bill arrived, I was charged for the washer and dryer. I went back to the home Depot store and explained to the customer service attendant that I cancelled the order before it shipped out. 

The agent told me not to worry and she took care of it right away and that I should disregard the billing amount. 

I received another bill the following month with a XXXX fee. I called customer service again to inquire about the mysterious charge. 

The customer service agent told me that the XXXX dollars fee is an investigation fee that the company charge in order to investigate the cancelled order. 

I am a senior and I feel that I am being scammed and treated very unfairly. I never received the order and I should not have to pay for the company to investigate a product that I cancelled prior to the items being shipped.

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
Consumer complaint received 2023-01-17
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I mailed my payment XX/XX/XXXX. My payment was due XX/XX/XXXX. 
Comenity/Torrid did not post my payment until XX/XX/XXXX. I have been assessed a {$30.00} late fee. 

I called the Customer service number to have it taken off my account. They could do a onetime curtesy and take it off my account. I told them that I mailed it in plenty of time before my due date. The agent told me that it was not their problem that the US Mail was backed up due to the Holiday. I said that was not my problem either since I had it mailed in time. To get the onetime curtesy, I would have to listen to their disclosure. I told them they could say it, but I would not AGREE to it since my check was mailed and post marked before it was due. They told me that they could not delete the charge unless I agreed to the terms. I said I would call back with the law. 

When I called back, I explain everything again. Again, they said they would do a onetime curtesy. When I told them about the Postmark Payment Act of 2014 and that my check was mailed before it was due. They said that it didn't matter, their company policy was when they receive the check. They also told me that I should mail my check out 14 days before the due date I didn't do that. I did mail it out 14 days before the due date and they took 22 days to post it. When I tried to explain it again, the agent hung up on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
Several attempts were made to clear alleged late payment history on loan to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
on XX/XX/2018, Chase sent me a notice that they decide to close my CF account. I'm fairly new to the credit business but I know that closing my card with negatively affect my credit, I recently got married about a year ago, me and my family are just trying to build our credit so that we can achieve our financial goals. My wife and I are both hard working individuals with stable income. My credit utilization rate is 10 % and I use all my cards in a normal way. I respectfully ask that my card be reopen and I will stop whatever I'm supposedly doing that I shouldn't be doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Target credit card that I did not apply for. I notified Target and filed fraud, in which they responded by closing the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03
Company: Credit Bureau of Traverse City, Inc.(Closed)
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried to connect my XXXX wallet to my PNC bank account so that i can fund that wallet and purchase various digital currency, but i am not able to do so. I contacted the bank, but they can not help me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: TD BANK US HOLDING COMPANY
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a treadmill from XXXX using their financing. By the time I received the payment instructions for the first payment, it was already late, but I sent it in. I tried to call and explain after they charged me a late fee, but customer service did not answer. It was COVID by this time. I kept, and continue to make, the monthly required amounts. But they keep racking up late fees on the late fees and I refuse to pay them because it was their fault. I have filed an online complaint with XXXX, but got no telephone call or response. TD Bank - their financial institutions they use for this apparently, calls and harasses me constantly. When I explain the problem, TD Bank say they can't do anything and puts me through to XXXX XXXX customer service. I waited 2 hours on hold and had to give up. I just tried again and it was a totally automated system with no operator to handle unique problems. This is completely ridiculous. I have an excellent credit score and always pay my bills. I have never filed a complaint with the CFPB before but feel this is the exact type of situation that needs to be addressed by the CFPB because I'm sure they just get other people to pay these fees and rack them up as additional, unearned compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2018, I opened up a new account at Citi Bank ( XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) XXXX branch. Citi had promotion through XX/XX/2018 that {$600.00} cash bonuses will be given for new customers who deposits {$50000.00} and maintain this balance for a month. The bank staff XXXX at this branch went through all the procedure and requested all the information from me. She confirmed she had everything needed for opening my account. 
On XX/XX/2018, I deposited {$50000.00} into the Citi checking account and since then always maintained {$50000.00} account balance. 
On XX/XX/2018, I received a phone call from Citi Bank customer service, claiming he wanted to obtain additional information regarding my salary and employer. I provided all the information to him. The customer representative in the end told us on the phone that my profile is now complete. 
I subsequently visited Citi Bank local branch in XXXX and spoke with XXXX, the branch manager. I wanted to make sure nothing was wrong with my account. She then called Citi customer service in front of me. With her assistance, we repeated the required personal information to Citi Bank customer service center and XXXX assured us they got 100 % everything. 
On XX/XX/2018, when I was expecting the {$600.00} cash bonus paid us XXXX, I received a letter from Citi Bank stating that my account was closed on XX/XX/2018, without any reason. They refunded me with the {$50000.00} check but failed to include the {$600.00} bonuses that I was eligible for. The date they closed my account was one month, the threshold for getting the cash bonus. It is clear that they intended to take my {$50000.00} saving with them for free for 30 days. This is commercial fraud and also breach of contract. 
I then contacted Citi Bank through phone calls and visits requesting for a reason since XXXX XXXX. They promised to investigate but I did not hear anything back from them. All they told me was : Citi Bank has a right to close customer 's account at any time- No reason was needed! This is shocking for banking industry. 
I wanted this matter to be given attention to and someone would investigate into Citi Bank. I do not know how many customers and consumers suffered financial harm because of Citi 's fraud and scheme!

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 2021-06-06
Company: Dorough & Dorough, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Dorough & Dorough LLC a debt collector for XXXX XXXX XXXX was ordered to cease and desist in XXXX for charging astronomical fees and interest and threatening foreclosure to residents without XXXX board approval .They went on to disrupt XXXX meetings and even filed garnishments against homeowners after the cease and desist order was issued and in place. Protests by residents led to them being fired .They further continued refusing to turn over files to a new contracting debt collector and disrupting continuation of operation of the XXXX. 
They somehow reappeared in XXXX without a meeting informing owners of their presence. Dorough & Dorough consistently uses threats and not above board practices like adding additional fees and interest to an initial debt from XXXX even after payments have been made that far exceeds the initial debt. Inability to furnish complete details for charges being assessed, and garnishment against homeowners. In particular, although we agreed via a legal settlement document in XX/XX/XXXX that they would remove the judgement and Writ of Fifa consistent with the agreed payment schedule they have reneged on the settlement agreement and instead have fabricated additional amounts of interest and fees and is now attempting to extort additional monies for removal of the Writ of Fifa. A copy of signed judgement settlement contract and proof of payment is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/2018 we went to XXXX XXXX Dealership in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. 
We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. 
Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX Calif. EXPERIAN RESPONDED TO A RECENT CFPB COMPLAINT THAT XXXX XXXX XXXX XXXX   IS NOT THEIR COMPANY I HAVE ASKED FOR INFORMATION AND OR THE USAGE OF THIS INFORMATION THE USAGE AND THE AUTHORIZATION THERE ARE OVER 35 INQUIRIES PLEASE EXPLAIN?

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