BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-16
Company: BARCLAYS BANK DELAWARE
State: MA
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 am a XXXX XXXX at XXXX University, XXXX, MA. On XXXX XXXX, XXXX, I became a victim of a scam and identity theft and I ended up losing {$3000.00} in gift card purchase ( {$2500.00} on Barclays credit card and {$500.00} cash ) after being threatened with arrest and deportation. I am a US XXXX XXXX and in hindsight, should n't have bothered to listen to the scammer who posed as the police sergeant from XXXX with all my personal info and convinced me on the phone that I had committed some unlawful act by not completing form XXXX. I filed a police report and referred to the following FTC link XXXX : XXXX which clearly states that in the case of stolen or fraudulent transactions, the user is not liable. As the police report clearly states, this is a case of " Larceny under false pretenses '' since the purchases were done against my will and under the influence of the scammer 's wrong claims. As a XXXX XXXX, I can not afford to spend more than a few hundred dollars each month and so a bulk charge of {$2500.00} should have been blocked by Barclays right away going by my spend history. Despite opening a dispute with Barclays and  sending them the police report, they have declined to regard that and hold me accountable for the {$2500.00}. I would kindly and humbly request you to intervene and help me in this case by letting Barclays know of consumer rights and help recover my {$2500.00} back and try and nab the real culprits. The scam artist made me purchase XXXX gift cards from the XXXX XXXX store in XXXX, MA using my Barclays card. Please note the gift card numbers below : XXXX XXXX XXXX XXXX XXXX The XXXX XXXX store manager was n't able to fully verify if those cards had been redeemed but said there was no way to recover the money or trace the redeemers. Please help! Regards

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 2023-06-30
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We paid off our Ally Financial loan XX/XX/2023. Its now XX/XX/2023 and still no pick slip. 
They are refusing to waive the late fees that fall during Covid that is covered under the CARES act

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 2022-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2022 I purchased a service from the company XXXX XXXX XXXX XXXX XXXX. The service I puchased was the installing of two new ceiling fans and electrical wiring through the attic needed for the fans to operate correctly. The total cost of the service was {$500.00} plus tax and a total charge of {$510.00} was billed to my Capitalone Credit card with numbers ending in XXXX. 

XXXX XXXX, the owner of XXXX XXXX XXXX XXXX XXXX came out to my condo and installed the two fans. Both fans were brand new in the box and both were tested to make sure they worked perfectly before they were installed. However, I discovered on the same day that he completed the job after he left my condo that only one of the fans was working properly. I contacted him numerous times through the XXXX messaging service which was the platform I used to hire him from asking him to either refund me for the fan which wasn't working or come back to fix the issue. XXXX XXXX refused to give a refund and also refused to come back. I attempted to resolve the issue through the XXXX dispute resolution process and XXXX was unable to resolve the issue and persuade XXXX XXXX XXXX  XXXX Services to either return to my unit to fix the wiring or give me a refund. 

Because CapitalOne does not have a process when I can file an online complaint and because I want to save money on postage by sending letters through the mail, I would like to use this platform to officially file a dispute for one half ( {$250.00} ) of the {$510.00} charge since XXXX XXXX XXXX  XXXX XXXX only installed one of the two fans correctly and they were paid to install two fans. I will now need to hire an electrician and spend more money to correct the mistakes made by XXXX XXXX XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I paid down my home equity line of credit to XXXX. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the XX/XX/XXXX try I  reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account. I was also told that I would continue to be charged interest on this balance until XX/XX/XXXX even though I had n't borrowed any money. I was also told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. While I was at the branch I called the phone line to see why no staff were picking up and witnessed bank staff ignoring the ringing phone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. Apparently that never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done.

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 2022-07-09
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Starting in XXXX of XXXX, XXXX has been posting two finance charges every month ( XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ) on my account. Upon talking to XXXX people to determine why this occurred, I was told it was 1 ) due to not paying off a promotion within the month and 2 ) new charges. This makes no sense and how are they allowed to do this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 regarding the failure to properly investigate the tradeline reported by XXXX in accordance with the FCRA. 

Please see ALL attached documents and the facts below. 
FACTS : XXXX states that the account that they are reporting was created in XX/XX/XXXX. 

XXXX did not have a correct email address or phone number on the account for me but the account was in my name. I never knew the account existed. 

I rented the XXXX XXXX XXXX XXXX property out to tenants in XX/XX/XXXX- XX/XX/XXXX. 

My residence address on my driver 's license did not change in XXXX of XXXX. XXXX did not obtain a copy of my drivers license from me. 

The address change on my driver 's license took place 17 months after an account was created with XXXX. This still does not validate the account ever being authorized. 

The facts are XXXX does not have any copies of identifying information to verify that I authorized an account with them and the biggest red flag is the amount of research that they seem to do on the back end but little to no research when creating an account. It does seem that XXXX should utilize their research up front to avoid unauthorized accounts being created.

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 2021-08-24
Company: EQUIFAX, INC.
State: PA
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:
I sent letters to Equifax Credit Bureaus the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my Credit Reports : XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$6200.00} XXXX XXXX XXXXXXXX Balance : {$950.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, XXXX XXXX  are reporting misleading information on my credit report that should've been removed last year. These XXXX late payments are well over 2+ years old and it's significantly impacting my credit report. My credit worthiness has taken a big dip because of XXXX XXXX  reporting late payments that shouldn't be reporting on my 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 non-monetary relief
Consumer complaint received 2022-07-09
Company: LD Holdings Group, LLC
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: Account status incorrect

Complaint:
During the Covid Pandemic period, I was offered a Covid Forbearance plan by LoanDepot. The started XX/XX/XXXX to XX/XX/XXXX. No payments but I had the option at the end of the period to repay the arrears in full in XX/XX/XXXX or Modification plan and arrears will be added to the balance. I accepted the Modification plan in XXXX and made some payments towards the arrears. They stated that no delinquency or late payments would be reported to the 3 credit bureaus. The put me on a trial period plan where I make 4 straight payments then I will have a regular payment plan. I have done everything that was asked of me, and it can be verified. This morning, XX/XX/XXXX, I received alerts from the 3 credit bureaus that I had 120 days late and it dropped my credit scores XXXX points!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: WELLS FARGO & COMPANY
State: NC
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:
The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with Wells Fargo about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.

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 2017-08-16
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recieved an offer from Ocwen Loan servicing to reduce my mortgage payments by {$500.00} a month if I would particpate in a 3 month trial period. I did so and made payments of {$1100.00} on XX/XX/XXXX and again {$1100.00} on XX/XX/XXXX and a final payment of {$1100.00} on XX/XX/XXXX. At the end of the 3 months I was to receive paperwork that would restructure my agreement with Ocwen Loan servicing however, no agreement was received. I had been scammed out of {$3400.00}.
I called Ocwen Loan Servicing and related the problem to them and sent the information about the transaction at which time I was told there would be a fraud investigation. When I asked if I should be making my regular mortgage payments I was told to wait until the investigation was completed.

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 2017-10-17
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: Information is missing that should be on the report

Complaint:
I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX  has my addresses correct and most of my older accounts, but Experian and XXXX and XXXX do not. If XXXX could share these records with the other bureaus my information would be more correct.

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 2022-02-06
Company: Experian Information Solutions Inc.
State: NC
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 recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks

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 2022-02-06
Company: EQUIFAX, INC.
State: NC
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 recently reviewed my credit report and found a duplicate account that does not belong to me. I have reached out to the company via letter already to have the issue investigated and delete and I have to received a response. This information is damaging my financial profile. There is another account on my credit report that does belong to me but the account has been paid off. Please help me remove this duplicate account asap so that i can fulfill my financial obligations in a timely fashion. None of the dates are adding up at. I was advised by a financial lawyer that i have a right to an accurate credit report. I have attached a copy of my letter as well as the duplicate account in question. 


Date Opened : XX/XX/2016 Account number : XXXX Account Status : Derogatory Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
sent the ftc and police report of the violation Account Name Original Creditor Open Date Balance Debt Contact Information 08 CAPITAL ONE BANK USA N A XXXXXXXXXXXXXX 08 CAPITAL ONE BANK USA N A XXXX XX/XX/2016 {$1000.00} - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: CCS Financial Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It aXXXX states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Stellantis Financial Services US Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, First Investors Servicing added {$220.00} to my balance under XXXX ( non-sufficient funds fee ). The reason for this amount was due to a XXXX DMV registration fee that was included when I refinanced this car. The fee was not due to XXXX. 

I continued making my monthly payment of {$280.00} and would pay extra every month to pay off the {$220.00} balance. 

On XX/XX/XXXX, the balance of {$220.00} was completely paid off. 

I continued making my monthly payment of {$280.00} and I continued to may extra payments every month ( now ) towards the principal balance. I called customer service several times to inform them that I would continue making additional payments ( in addition to my regularly monthly payment of {$280.00} ) and I wanted those additional payments to be paid towards the principal balance. 

First Investors Servicing has not applied those additional payments towards principal rather simply applied it towards my monthly auto payment. As a result, I'm XXXX months " ahead '' of my regularly monthly payment. 

Example : Statement for XX/XX/XXXX l payment due date is : XX/XX/XXXX I simply requesting for First Investors to apply any additional payment ( after monthly regular monthly payment ) towards my principal. The company has told me that their system doesn't apply additional payments towards the principal balance.

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 2020-08-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Two accounts with this company were open and abused without my authorization or consent or even knowledge while I was incarcerated. As soon as I found out I had written this company to assure them that it was not me and prove that I was incarcerated during the dates these accounts were opened. they still report this account negatively to XXXX  and try to attempt to collect a debt from 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