BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
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 result of identity theft

Complaint:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised.

I am not responsible for any charges made to these mentioned accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: BARCLAYS BANK DELAWARE
State: TX
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I would like assistance with disputing a charge on my account for {$16000.00}. It was paid to XXXX XXXX XXXX XXXX on XX/XX/18 and XX/XX/18. In total they charged me {$16000.00}. This company has not provided what I was sold, and this is because they misleadingly earned my business. I have attempted to " work '' this out with the merchant and they are non-responsive.

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 2021-03-10
Company: Experian Information Solutions Inc.
State: TN
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:
My credit report is showing me late 4 times ( XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have not been late ever. I pay my full mortgage each month by sending in bi-monthly payments. XXXX XXXX has acknowledged this and keeps saying that they will correct it with the credit bureaus. However, it remains incorrect with the credit bureaus. I have filed several disputes with the credit bureaus. Each time the disputes are closed it says the information is updated but it remains the same. 
I have been trying to refinance each month since XXXX. Each time the process comes to a halt because XXXX XXXX still shows me late on 4 payments. Even though the reps can see that I have not been late they tell me that there is nothing that they can do and that I should try again next month. This is completely unacceptable. I could have possibly missed some of the best interest rates for refinancing due to bad customer service from XXXX XXXX. Although I have been trying to refinance with them this makes me want to refinance with a different company once this 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 2019-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Numerous past complaints have been filed pertaining to a close out check sent to me on XX/XX/XXXX with a stop payment placed on it and a replacement check which was intercepted by a third party while I was away on vacation. I requested Capital One compare signatures on both checks in prior complaints, they failed to do so and have not reviewed information provided concerning the third party whom forged my signature. I provided information showing my whereabouts at time of check cashing, they refuse to review this information as well and hose to mark my complaints as duplicate to avoid addressing it. The account in question was opened as a result of data breach, opened in XXXX. Capital One rep by the name of XXXX stated there was no breach at that time, however, the time period in which information was exposed is from XXXX to XXXX and my information was on file with Capital One from past accounts which were opened as far back as XXXX. It is highly possible the account was opened due to breach as two credit accounts were also opened in my name, both with Capital One. Again, I request Capital One compare signatures on both checks, one cashed on XX/XX/XXXX and second intercepted check, both in the amount of {$4200.00}. Failing to do so, the attorney representing me in data breach will be notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have tried correcting information with two separate companies XXXX and Transunion. 

Transunion corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for XXXX, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe XXXX is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.

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 2022-02-11
Company: Account Liquidation Services Inc.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with ACCOUNT LIQUIDATION. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Received my bill on XX/XX/18 and noticed a " Late Fee on Previous Invoice '' charged {$410.00} for XX/XX/XXXX bill which totalled {$1900.00}. Contacted them today and was told my payment was five days late. I asked her how this is possible to get an interest charge of this amount and she said I was charged 9.99 % and doesn't know how they assessed the total charged but that was what was due. And that was the end of the conversation.

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 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is third time I have requested that XXXX XXXX XXXX, XXXX XXXX, substantiate their claims regarding information XXXX XXXX # XXXX transmitted to credit CRAs for me, XXXX XXXX , regarding a so-called account. Since reporting errors may be vis-avis that reported data, I formally request that you mail this validated information within 15 days. Additionally include documentation which shows that these companies complied with every aspect of the Fair Debt Collections Practices Act or other applicable laws. This request is for more than just a summary without in-depth consideration. In lieu of that, I have asked for an in-depth verification. If you can not forward these materials within 30 days, details disseminated from them to the credit bureaus should be deemed discrepant and may indicate desire to ignore consumer protection law. Given that occasion, remove such bureau items upon your next transmittal.

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 2019-07-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I initiated an online chat with citibank, stating I was struggling to pay my bill and I asked for temporary assistance with the interest rate and/or payment amount. The agent, XXXX, checked and said " no offers were available ''. I asked again in a different way and she just pasted information about paying off my balance and it would take two payment cycles for the interest to stop if I paid my balance in full! They were unwilling to work with 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 2019-10-06
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello! 
Bassicaly i am trying to log in into my account into Kraken and it's saying account temporary disabled and i contacted Kraken and ask why is that, they asked me about my email i don't remember ( 8,9 years ago in the XXXX ) and they said to look thru all emails altough i didn't do nothing wrong was easier to log in and change the email from there or they could have done if wanted to help.Insteed i got the same answer over and over again and sent the same form i have already complited once but no answer why i am not being let log into the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
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:
I like to file a complaint for fraudulent items listed on my credit report for the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have reached out to these companies for more information to no avail. I have filed an Identity Theft Report with the FTC. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review and removed this fraudulent information from my credit report immediately.

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 2019-07-31
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Everyday for the past 2 weeks I receive a call from a fake phone number with the same area code as me and they are looking for my daughter in law. Everyday I explain she can not be reached at this number and they continue to call everyday. They always say, ok, we will note it in the file clearly there is no noting going on. I am at work when they call and can not always take a msg. The number they gave me to give to my daughter in law is XXXX Credit Corp. Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: I.C. System, 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: Account status incorrect

Complaint:
Incorrect data on collections acct. acct are not mines.

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 2021-03-24
Company: SYNCHRONY FINANCIAL
State: FL
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:
I was notified on XX/XX/2021 by SYNCB/PAYPAL CREDIT CARD, XXXX XXXX XXXX, XXXX GA, XXXX via their website that my PayPal and XXXX credit cards through Synchrony Bank were canceled. I called both PayPal and XXXX and was told that my cards were canceled due to high risk. I explained I have never had a late payment and in fact had a credit balance with the XXXX card and had no balances on any of my credit cards. In both cases, I spoke to a supervisor and they both said there was nothing they could do. Both groups advised I should submit a formal complaint and neither had any avenue in which to file such complaint other than note the file. I have worked very hard to protect my credit and ensure I never have any issues with my credit card companies. The cancellation of the cards has negatively affected my credit score through no fault of my own. I am in the process of buying a new home and the lender said has told me the drop in score will at a minimum increase my interest rate or unbelievably not allow me to secure the loan.

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 2017-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of XXXX therefore my late pays from XXXX of XX/XX/XXXXdo not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

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 2018-01-31
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IN
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:
the inquiry from onemain was made on XX/XX/XXXX, I contacted them as soon as I saw it on my credit report thru XXXX XXXX on the XXXX inquiry details. it drop my score 2 point. I informed onemain that I have not applied for credit since I filed for bankruptcy in XX/XX/XXXX and they told me this credit application was made online with your name address and ssn with my husband email address. at this time neither my husband or I have applied for any credit, loans or unsecure debt. I believe this is Identity thief. 


Onemain XXXX, IN XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On said NAVY C/U account I was paying just fine, and being a business owner, and I was using that card for my business, but was seeking additional capital to launch my new website, having said that I looked for financing and was contacted by a supposed NAVY C/U loan specialist, and he said he could get me a better loan and pay off my existing one in the process, so he new all the terminology and of coarse I believed him. 
So with in a week he had Paid off {$10000.00} on my card, and I was waiting for my new card supposedly? 
He some how recharged what balance I had left, and maxed me out, you can tell by the charges, XXXX ads and more and I was frauded. 

I want to pay this off but because of this on my credit I can not get a loan to pay them off, they made me offer because they know I was frauded ... And this has been the 5th time I have been lied and cheated out of money for loans, this is hurting my ability to stay in business let alone survive in the market. 
Please help thank you with business funding not being regulated a lot of people are being scammed and this is not fair to my life and has caused many hardships due it this being on my XXXX. The other 2 companies saw the fraud and removed it! 
This card in? I believe was a user only card My mom and I were in business together she invested in it she has since passed and technically should not be on my credit if so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-19
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 a one time draft of {$1900.00} was made to IMortgage. On XX/XX/XXXX Loan Depot stated that the payment was returned to the XXXX XXXX  account. When asked why, representatives gave several different reasons such as insufficient funds and that the account could not be found. We have had more than 15 phone calls regarding this issue and mailouts regarding foreclosure. Loan Depot also reported to XXXX that we were 30 days late on our mortgage payment and they promptly lowered our credit score 136 points. All payments were made on time. XXXX provided the transaction history for XXXX showing that the payment was made to Loan Depot on XX/XX/XXXX and never returned to our account. ACH & wire research escalation form was filed with XXXX. The trace # was XXXX. The results from XXXX XXXX  indicate that the payment was made to Loan Depot and never returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan began XX/XX/XXXX. Prior servicer encountered no difficulty in receiving/recording payments. Commencing XX/XX/XXXX payment due date Account Statement indicates an amount due of {$270.00}. This amount was paid on or about XX/XX/XXXX. Late on XX/XX/XXXX an agent called to say that the wrong amount was billed on the statement and an additional amount was due immediately of {$1500.00} ( paid by phone ) to avoid being reported to the credit reporting agencies. Subsequent payments were made in the required amount due XX/XX/XXXX through XX/XX/XXXX. With the XX/XX/XXXX and XX/XX/XXXX statements Company indicates we are 6 months past due. No explanation given. Our credit reports indicate late and past due payments. Our credit is ruined and we are unable to get any kind of new credit or obtain a mortgage to purchase a home. We are unable to obtain/afford an attorney to help us with this matter. The situation has gone on now for almost one year and we have been unable to achieve any resolution with the Company. XXXX has opened an escalated investigation into this matter and thus far their efforts with Company have been unproductive. XXXX is getting the same treatment we are and getting no/minimal cooperation from the Company. Complete and verified electronic payment records have been submitted to the Company and XXXX, and are attached as scanned documents here. We have complete bank statements from the initiation of servicing by Company to further verify all payments have been made. It has been reported that this servicer has bilked XXXX out of XXXX XXXX dollars as has been revealed in a recently unsealed law suit by the Federal XXXX XXXX XXXX District Court.
See STATEMENT 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 2022-02-11
Company: EQUIFAX, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX / XXXX / {$0.00} XXXX XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX  ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have blocked the number in my XXXX  several months ago and continue to get several calls and voicemails a month, sometimes several in one day.

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 2017-07-13
Company: OPORTUN FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have sent cease and desist letters to the loans and they continue to harass my family, friends and myself. I receive SS and have no assets.

Company response to consumer: Closed with explanation