BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-02
Company: ORG GC GP Buyer, LLC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
GC NUMBER : XXXX XXXX XXXX in 3 months withdrew from my banking account {$970.00} 5 Months : XX/XX/XXXX. {$41.00} XX/XX/XXXX. {$41.00} XX/XX/XXXX. {$280.00} XXXX I cancelled my debit card and ordered a new debit card XX/XX/XXXX. {$690.00} Bank authorized this withdrawal and now XXXX XXXX has the new debt card number. Then I cancell this card in XX/XX/XXXX and to this day I still do not have a debt card. 

In XXXX I disputed the {$690.00} through the Bank who said to resolve the charges with XXXX. I tried emails, calls, local stores to no avail. Finally I got the address of XXXX headquarters in my city. I asked the Service Agent for help. I am mocked, yes I am mocked! The agent says what do you want me to do about it? I leave very distressed, look back at the agent in the doorway with his back to me and he is swinging his hips back and forth. 

Now they want {$520.00} I am XXXX XXXX XXXX, have 2 phones, talk maybe twice a month and send 20 messages using XXXX2 gig I am on a run away train with no conductor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
capital one credit card closed XXXX accounts for no reason. due to the fact they closed the accounts we can not redeem our accumulated points to purchase a new XXXX XXXX  product.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: Affirm Holdings, Inc
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC XXXX ( XXXX ) XXXX XXXX Affirm : My name is XXXX XXXX. I am writing to you today to lodge a huge complaint about your service. 
I have been using your service for more than a few years now, without a problem or complaint. 
My bills are always paid on time, every week. 
For the past few months, I have been unable to create new orders due to being asked to submit ID verification via a website link. 
However, every time I submit my Identification, I am told that you can not verify my identity. This is not the first time I have had to verify my identity with you, in this manner, but it is the first time you have told me that by submitting the exact same identification, that you can not verify my identity. 
My account with Affirm is still active and you are still extracting weekly payments from my financial account, and are denying me access to purchase any products, on-going. 
If Affirm, affirms that they can not verify my identity, you are committing financial fraud yourself, by extracting payments from an account that you can not verify the identity of its owner. 
This miscarriage of justice has lead me to believe that you have taken out a discrimination act on me, because of my appearance. And are stealing my money in the process. 
I am requesting to have access to Affirm once again, without hesitation. I will also follow up with a letter written to my local Attorneys General consult and the Office of Civil Rights. 

Thank you, -XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
capital one credit card closed 7 accounts for no reason. now they will not allow us to use our accumulated points to purchase a new XXXX XXXX product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: IL
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:
XX/XX/18 I received a suspicious call from someone claiming to be Equifax at the number XXXX. They said they're was a dispute about whether a mortgage that was in my name had been closed and needed access to my mortgage account to confirm. They conference called me in with my bank who asked for private information and my account password. After speaking with the " Equifax '' representative I was disconnected. I contacted Equifax the next business day to confirm that they did in fact contact me ( I was concerned it a was a phishing scam ). I spoke with multiple representatives who each asked for my SSN, address and Birthdate and said there was nothing they could do to confirm I was contacted. They said I would need to send in a dispute form and a copy of my driver 's license and social security card. This call took 40 minutes and resolved nothing. They refused to look into the matter without me mailing in personal information. Meanwhile my identity could have been stolen. There needs to be more transparency into who is contacting me and a way to confirm contact with such personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Im asking Chase to stop making credit inquiries every month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022 I sent in a dispute letter addressing the information that on the credit report. The agency sent me a letter in return stating the information was correct and in fact according to The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) says they are require by FEDERAL LAW to verify, THROUGH THE PHYSICAL VERIFICATION OF THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU POST ON A CREDIT REPORT. They have FAILED to mail me proof of the investigation or delete the negative information. 

I asked them be specify on how the item was verified. I went on to ask to Please do not provide me with the generic response on your e-Oscar procedure but the FACTS of how was. the item verified since there verification by law. 

I asked the agency to provide evidence of their authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was contacted by financial institution on XX/XX/22 and let me to believe that my debit card was compromised I went ahead and provided information on in good faith later do I become aware that my debit card is being XXXX XXXX it on without my consent to the sum of {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CITIBANK, N.A.
State: FL
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:
Unauthorized inquiry on consumer 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
Consumer complaint received 2021-09-23
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is a recurring problem with Experian, one of the three credit reporting agencies form which I am entitled to get a free credit report ( now weekly -- at least theoretically ) rather than annually through annualcreditreport.com. 

I've tried repeatedly to get a free credit report from Experian and keep getting the same vague ( totally worthless ) message telling me a " situation exists '' that does not allow me to get my credit report. But no information as to WHY. Completely unhelpful and just hitting a brick wall. NO resource except to complain to you, and wait 60-90 days. For a company that rakes in billions in profits each year ( much of it by selling my personal information to others without my authorization ), you would think they would invest better in technology that would enable them to be compliant with Federal law. Perhaps they think most people will just get frustrated and give up. 

I DO NOT want the company to send me a form requesting my personal information. I want Experian to FIX THE PROBLEM THAT IS PREVENTING ME FROM GETTING MY CREDIT REPORT ONLINE UPON REQUEST.

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 2023-10-11
Company: DigniFi
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had a credit card with this company, and fell behind on payments. 
Since, this company has charged the card off but has continued to report the negative reports on my credit. 
I have since made the full balance, and I owe XXXX to this company. The company refuses to give me a pay off statement, updated balance of XXXX, they continuously report my account late / charged off every month which is not true. 
I have tried to dispute this item on reports and they are continuously saying it is not paid / satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I previously opened a checking and a saving account with USBANK. I sent an email on XX/XX/2018 to USBANK to close the account. 

However, USBANK failed to close the account and did not respond to my emails. It, however, kept charging service fees on the account and, until the balance turned negative, closed it. I have contacted USBANK customer service over the phone early this year to resolve that and it has never been resolved. My online access is also disabled. 

I received a phone call from USBANK today, informing that I am still responsible for the debt. They denied receiving any emails from me requesting the closure of the account. I have attached a copy of that email.

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 2023-10-09
Company: Resurgent Capital Services L.P.
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been made aware that XXXX XXXX XXXX XXXX  still has a closed account listed on my credit report, and also have listed the same account with a credit report. It is a violation of my rights to have duplicate accounts on my credit report. 
The credit agency is LVNV and the amount listed is {$600.00}. 
They are also in violation for reporting inaccurate dates ; they are saying this was opened XX/XX/2022 and that is a blatant lie, it is much older and nearing the statute of limitations in my state. They are also listing this account as having an open balance which is a violation in itself as there can not be an account in collections with an outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had a business checking account with Bank of America since XXXX. I applied for and received a first round of PPP through them. That was a horrible, fraught process filled with dysfunction. I approached them again beginning on XX/XX/XXXX to begin to apply for the second round of PPP, the deadline for which is XX/XX/XXXX. Despite repeated ongoing attempts over hours, days, multiple departments, escalations, local business representatives, " tech support, '' etc., the dysfunction is so complete that not a single person has been able to correct the problem. I successfully submitted the application and additional documents were requested ( six bank statements from my BOA account showing the disparity in 3Q income between XXXX and XXXX ). I am unable to upload these documents to complete the application. There is a problem with the login credentials I was given by BOA and there is no way for me to upload the documents into any kind of portal. My loan application is not associated with the credentials or login I have been given. Wherever it is, I am locked out of it and can not access it.No one has been able to fix this issue. No one cares. I need this fixed today to complete my PPP application. I have no where else to turn. I have kept a log of most of my interactions but at this point they are so extensive and horrific I am not going to waste further time enumerating them here. A few images them are attached.

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 2023-07-03
Company: EQUIFAX, 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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02
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: Investigation took more than 30 days

Complaint:
My credit score dropped more than 150 points for no apparent reason, giving me a score from good/excellent to poor. However, with the metrics that was showing, there were no delinquencies and all the factors that were considered high impact factors, I was doing well. 

The only negatives were the credit age, but that wouldn't or shouldn't justify a credit score drop, since when i had a good/excellent score, the credit age was properly reflected and there were no negative factors that could justify the drop. 

I've tried reaching out to the credit bureau and they couldn't explain to me on what is the reason. I was informed that the matter was being escalated. 

I then saw on the news that this has happened to Equifax ; that people were being affected by some glitch. 

There should be a way to dispute the credit score ; and the bureaus should be able to give tangible reasons ( not vague reasons ) as to why the score has dropped substantially.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
Beginning in XXXX i sent applications for teacher loan forgiveness. I sent electronically, by fax and by postal service mail. None appear in the I sent correspondences section. They show no correspondences from me. 
Beginning XXXX i called numerous times requesting information about qualifying for the student loans forgiveness, what i needed and what i needed to do, receiving my applications and the status of my application. 
I was told i did in fact have a consolidated loan which qualified for the teacher loan forgiveness. 
I submitted the application filled out by my school district verifying my years of teaching. 
XXXX received notice that my application was being received. 
XXXX XXXX my teacher loan forgiveness application was denied. 
XXXX XXXX response from my request to resubmit my application stating i was denied due to having a parent plus loan inside my direct consolidated loan thereby disqualifying me. I was told my loan qualifies. Their website ( Aidvantage ) states my loan type qualifies. But application was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I stayed at a hotel. The hotel falsely claimed I damaged the television in the room. When the bank asked the hotel to provide documentation, they failed to provide anything that proved that I specially caused the damages, only that damage occured. They could have easily been caused by a prior or subsequent guest. 

Claim Number : XXXX Date : XX/XX/2020

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 2018-11-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I am supposed to receive a {$400.00} bonus points after opening a new checking and saving account between XX/XX/18 - XX/XX/18. I opened a checking and saving account on XX/XX/2018 and funded the account on XX/XX/18. I have satisfied all the terms and conditions per the promotion. 

The terms and conditions say : " If you are an Eligible Customer, enroll in the {$400.00} Checking and Savings Offer, and fulll required activities ( see required activities below ), you can earn a {$400.00} Cash Bonus which will be credited to your new Eligible Checking Account within ninety ( 90 ) calendar days from the date you complete all required activities. '' Based on the terms and conditions, I should have received my {$400.00} bonus long time ago. I reached out to different bankers ( over the phone and in the branch ) for almost a month. They all said I should have received my money, they have set up the case, but there is nothing they can do. When I reached out to the first and second bankers, they told me to wait, the bonus is coming. The third banker finally set up a case for me and told me to wait. The fourth banker said my bonus has been approved and I should have received my bonus in the week of XX/XX/2018. However, my bonus never came. Then I reached out to the fifth banker, and I was told that there were nothing they can do about it because the case has been set up, the bonus has been approved. Yet, they don't know why I have not received my money yet. They said their hands are tied. I was shocked when I heard that. 

It appears to me that Citibank is lying about their promotion and they don't keep their promises. Citibank even failed to do proper follow up for my complaints, despite I have reached out to different department several times in the past month. I sincerely hope that CFPB can take enforcement actions to Citibank for this dishonest practice and compensate me for this. 

Attachment : Citibank promotion 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 explanation
Consumer complaint received 2022-09-02
Company: Lendmark Financial Services
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lendmark Financial Services has not provided me with and document with my wet signature giving them permission to report ANY information to my consumer report. I, XXXX XXXX am enforcing my rights to privacy as a consumer under 15 USC 6803 a 1. They did NOT exercise their grave responsibility, they have been unfair, and were partial in the matter under 15 USC 1681 a 4

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I've been trying to correct incorrect information contained in my credit reports with EQUIFAX, XXXX  and XXXX since XX/XX/2021. I mailed certified letters on XX/XX/2021 requesting XXXX and XXXX to correct the information contained in my credit reports with their companies and they updated the information. I faxed the required information ( a copy of my Social Security Card, Driver 's License and/or an Official Document to update my name. ) to EQUIFAX on XX/XX/2021, they corrected all of the incorrect information contained in my credit report with their company except my name. I thought it must be a mistake or system oversight so on XX/XX/2021 I mailed EQUIFAX a certified letter with the same information and they sent back the results of their investigation asking me to resubmit a copy of my Social Security Card, Driver 's License and/or an Official Document to update my name. This was my second attempt to request that EQUIFAX correct the incorrect information contained in my credit report with their company. I've never been a XXXX and I've provide the required documents proving my identity. This is adversely affecting my credit score and the decision of companies that use EQUIFAX to determine creditworthiness to extend me credit.

Company response to consumer: Closed with explanation