BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase under {$60.00} in XX/XX/XXXX. Yes I realized that i missed the payment so I paid and the late fees. I have spent so much on late fees. I finaly said okay, I will pay all them and that is when I spoke to someone in XX/XX/XXXX. They told me, I could skip the the next 2 payments ( XXXX & XXXX ) and no additional late fees, so I said I want to get this over and done with and at least I had some time to pay. Well to my surprised I get a call from a person trying to collect. Looking at the history the Company did not keep their part of the bargain and charged me a late fee ( on top of late fee balance on XX/XX/XXXX. I understand if the balance went unpaid into XXXX then I would have a late fee in XX/XX/XXXX. At that point I paid everything except the {$35.00} late fee that they were not supposed to charge me on XX/XX/XXXX and once again I message them to correct it. I was confident since I had in writing that they would not add no late fees in XXXX and XXXX that it would be taken care of and once again I have a late fee because of that XX/XX/XXXX late fee and I just can not see the end of this. I feel like they are abusing. See attachment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX  XXXX platinum card reported a late payment which was made on time and was not over 30 days late which they reported as. I filed a dispute they fixed it on XXXX   but not transunion or XXXX  and it dropped me over 30 points that it shouldn't have. And now XXXX and trans are trying to post other cards as over limit and such when they are not as payments have been made and it keeps knocking off points and not putting them back or reporting correctly. This is the worst experience ever inaccurate invalid info and it hurting 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 2020-09-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was closing on my condo on XX/XX/2020. On XX/XX/XXXX I received an email from what I thought was my real estate agent saying I needed to wire transfer my closing funds to the title company. I was provided with instructions to wire the money to an account with the address of the title company and an individual 's name. My mortgage broker said this is normal and I could send the funds or wait a little longer. Thinking that I would get the overages back at closing I sent the funds. 
Upon closing I discovered that my funds were never received and I was unable to close. Chase bank never questioned the wire transfer or asked for a transaction number from the title company or even the title company 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions 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:
In regards to the XXXX collections on my credit report, I have called several times with hopes in settling the debts as I am in the process of purchasing a new home. Each time I have called, even in speaking with a supervisor, I have been told that the debts are beyond the statue of limitations and they can not collect any monies on the accounts. If the debts are beyond the statue of limitations and they are refusing to collect any monies from me, then why are they reporting these debts to my credit report. I need these removed ASAP. XXXX : {$5300.00} - {$2500.00} Also, in regards to the XXXX XXXX XXXX account listed on my XXXX report, I have requested in writing twice now for XXXX to remove the debt from my credit report as I am an authorized user on this account and it should not be listed on my report as it is negative. Please remove this account ASAP.

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 2019-08-22
Company: GOLDMAN SACHS BANK USA
State: NY
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:
The reason my XXXX XXXX was declined was stated as Your credit balance is too high relative to your credit limit When I looked at my credit I see my discover card reflecting a XXXX balance when in fact it has a XXXX with a credit limit of XXXX balance which is under 30 % usage. I believe this is the reason I was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
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: Public record information inaccurate

Complaint:
Paid this account ( judgement threatened ) off within the specified time frame ( XXXX ) - it should not have been reported. Disputed the account and it was not 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 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capital One has a charge by XXXX XXXX XXXX XXXX on XX/XX/2020 I had this issue before with Capital One with this XXXX XXXX XXXX in which my card was replaced so i would like to no how they got the new card that was replace last year account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
When we were selling our home in the summer of XXXX, in a very " hot '' market in our area, the Bank of America appraiser came back with an appraisal that was {$25000.00} under asking, claiming that it was based on the fact that he believed that we were in for an economic downturn in XXXX and that would impact housing prices. This was as opposed to valuing sales of similar properties in our area. I am concerned, as a XXXX homeowner, that we were discriminated against and believe we should be compensated for the excessively low valuation. We placed our home ( XXXX XXXX XXXX XXXX NH XXXX ) on the market for {$320000.00}. The valuation came in at {$290000.00}. We tried working with Bank of America to resolve but they refused a second evaluation, and refused to review the first.

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 2017-08-01
Company: Empowerment Ventures, LLC
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
An auto loan company that I had done business with in the past charged my card XXXX XXXX 2017 for  XXXX. I disputed the charge because I did not authorized this payment from the company nor was I set up on any kind of auto pay. XX/XX/XXXX I was informed the case was closed and my debt card company found no error in the charge. I sent in a rebuttal letter because I did not agree with this decision. Again it was denied. Then the auto loan company called me and advised they just received a dispute from my card company XX/XX/XXXX. They conducted an investigation on their end and advised that the charge was not authorized. I sent in another letter to RUSHCARD SERVICES and a manager told me no matter how many letters I send in the charge will not be reversed. Her name was XXXX in XXXX. I then took my efforts to social media, the company at that time reopened my case. The auto loan company stated they cant refund me the money because the funds was taken back by the merchant back on XX/XX/XXXX. I was not given any credit from the prepaid card company and they are saying I still have to wait another 30 days after the first investigation was never looked into.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-04
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hello! 
On XX/XX/XXXX, I had a total of 18 transactions that were unauthorized taken from my Chime spending account. These transactions totaled {$1400.00}. I immediately contacted Chime and the vendor. I submitted to Chime a conversation that I had with a live rep at the vendor, XXXX XXXX XXXX, who confirmed my last transaction with them was XX/XX/XXXX. I submitted all the required documents to Chime. Chime denied my claim to them in a matter of three days. When I called to find out the exact reason, absolutely no one had a reason. The rep with Chime kept giving me the run around and couldnt even find a document on file that said why. I immediately reopened my claim. I also did more research and saw that the vendor posted on their website they were reportedly taking charges from XXXX of XXXX, the time frame of 1-15, that they said they never took from patrons. When I reopened my claim, I also sent to Chime proof that if the vendor was claiming this was the reason for the transactions being taken now, I sent over more proof of my bank statements from another card that they did take the charges from me already. This vendor had no reason to take this amount or anything from me. Chime reopened the claim .... and denied me again in less than a day! They sent me no documents, nothing. Absolutely unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: VA
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:
I have been disputing these erroneous accounts for over a year please help me. 

( no name ) act # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX A XXXX XXXX # XXXX {$560.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) At # XXXX {$930.00} XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX VA XXXX XXXX {$1600.00} XXXX no name XXXX act # XXXX {$240.00} ( no name XXXX act # XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: BARCLAYS BANK DELAWARE
State: NY
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:
To whom to may concern, In early XX/XX/2020 I had become an authorized user on my cousin 's Barclay 's Carnival credit card. They had said they would show me in the credit files to all 3 of the major credit agencies and have not. I will also put an attachment from barclay 's website. It is now Middle of XXXX and I do not see this card anywhere on XXXX, XXXX  or XXXX. I have called barclay 's a few times. They said they would fix it and it just had to be updated. I just feel like nothing has been done to show my information. I understand with covid everything is backed up. Just want my information to be accurate.

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 2020-08-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
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:
I have a loan with CB/XXXX, XXXX XXXXand XXXX/CBNA. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CB/XXXX, XXXX XXXXand XXXX/CBNA with no successful resolution. There was definitely an error on their part.

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 2020-08-26
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: AmeriCollect
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received no written notice on the debt owed from the company. I received two robo voicemails : one on XX/XX/21 from XXXX XXXX IL, XXXX on XX/XX/21 from XXXX XXXX, FL. From there, the calls were then blocked automatically for appearing to be fraudulent. Calls were made from numerous different locations, and without any written notice given, this seemed to be a scam. Then, still with no written notice, and no further contact, Americollect issued a derogatory mark on my credit. No actual information was given to pay this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I contacted the company twice to solve the issue without any look. They are the one responsible my credit exposure to outside hackers. First I called the companies who went into my credit without my authorizations and wrote several letters to remove the unauthorized credit checks. Months of hard work, hung off and long wait frustration and no result. 

Equifax not only gave all my information away but not helped to solve the issue at all. Is a nightmare to work with this company trying several months and excessive hours calling here and writing with no result. 

Note I spent about at least 30 hours try to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX are incorrectly reporting a foreclosure on the XXXX account number XXXX. ( Please see attached page from my credit report. ) My home loan was suppose to be in deferment due to Hurricane Harvey. I had applied for a hardship on this loan. I was receiving foreclosure notices and immediately contacted the lender. When I was able to speak with the lender he advised me to ignore these foreclosure letters because they were being automatically generated and because of the natural disaster the loan would automatically go into deferment and after the initial crisis was over, I would be able to make payment arrangements with the bank in order to keep my home. I trusted that what I was being told was in fact true however, as it turned out, this information was false and my home was in pre-foreclosure status. I paid the outstanding amount owed and the property is not in foreclosure status. The language on this line item Account paid after foreclosure started need to be deleted. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this derogatory language from my credit report however, I have not been successful.

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 2020-06-02
Company: U.S. BANCORP
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Travel ID # XXXX. I cancelled this XXXX XXXX reservation and instead of the points being added back to my account, which is the proper most transparent thing to do, US BANK is giving me a credit of {$400.00}. The problem is you can't easily book another airline ticket on your own on their website. 

You are forced to call in to use your credit and the hold times are 2+hours. I have been trying to reach them for 3 days to rebook the trip. 

This credit process is broken and is a horrible customer experience. 

I still can't get anyone to help me to rebook a flight that I need soon.

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 2019-08-22
Company: EQUIFAX, 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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this line item from my credit report but Equifax and XXXX have not. I have contacted the bureaus to remove this from my credit report however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-13
Company: DISCOVER BANK
State: WI
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:
My last five automatic monthly payments have been misapplied by Discover. Their official policy on their website states that payments will be applied in the following order : late fees and penalties, interest, principal. However, my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to three of my four loans ; my XX/XX/2018 payment was only applied to one of my four loans ; and my XX/XX/2018 payment was only applied to one of my four loans. 

This is in direct violation of Discover 's policies and is not in the best interest of the borrower as it is an inefficient payment method that increases the amount owed for the borrower. Because some of my loans did not have the payment issued towards its interest or principal, my credit score was affected because I had a line of credit with an increasing balance. 

I called Discover on both XX/XX/18 and XX/XX/18 reporting the error that they failed to identify. They assured me both times that the error would be addressed promptly but they have not done so. Both times they could not provide a reason for the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Continental Services Group, Inc. d/b/a ConServe
State: ME
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, I spoke to XXXX at ConServe ( XXXX ) about a debt from the Department of Defense, which was transferred to the Department of Treasury, then sent to ConServe. 

She told me that multiple letters were sent informing me of this debt, I asked which address she had on file and she stated an old address which I have not lived at in almost 5 years. 

She informed me that because it has reached them, there is an extra {$2000.00} charge added onto the debt. I told her that I didn't believe that was right, because I had never received any letters of the debt owed because I no longer lived at that address. She told me that there was nothing they could do. I told them I would be looking at legal avenues to remediation of this issue.

Company response to consumer: Closed with explanation