BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-19
Company: EQUIFAX, INC.
State: VA
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 purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my Equifax score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by Equifax and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to Equifax through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into Equifax to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have some unauthorized inquiries on my credit reports. These inquiries are on Transunion, XXXX and XXXX. I sent in disputing the inquiries over 30 days ago. I found out my name, social security number, drivers license and email address was found on the dark web by the credit monitoring company I use. So on Saturday XX/XX/2022 I went and made a police 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 2020-10-06
Company: Klarna AB
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:
In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: Client Services, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Several of weeks ago I received a notice from Client Services Inc in reference to an alleged balance owed to XXXX in the amount of {$14000.00}. In accordance with the Fair Credit Reporting Act ( FCRA ), Please provide validation of this alleged account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On this website : https : //www.barclaycardus.com/applycontent/TnCs.jsp? tc34714 when I signed up for a Barclays card it says upon the first purchase you will receive XXXX bonus points. Exact wordage here : REWARD RULES Wyndham Rewards Visa with No Annual Fee Gold Level Reward Rules : " Bonus Points You must maintain an open Account that is not in default under your Cardmember Agreement with us. 
Your Account can not have been inactive for 7 billing cycles in a row ( representing approximately 7 months ). Inactive means you have no balance, no payments and no transactions. 
You must be an individual ( corporations, partnerships, and other entities may not participate ) and use the Card only for personal, family or household expenses. 

Wyndham Rewards Visa Card Cardholders will earn XXXX Wyndham Rewards Points upon the first use of the card for a purchase or balance transfer. '' I did not receive my bonus points and I called to resolve and employee that goes by XXXX and ID XXXX  refused to give me my bonus points.

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 2020-04-22
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been attempting to reach my credit card company for over a week now. Calls and emails are not being responded to. Barclays manages my credit card and their customer service is not available during the worldwide pandemic. If you look up Barclays on XXXX you will see a number of people communicating with the company about not answering their phones. I have attempted to reach them about a balance transfer arrangement I am making with another company. Due to their lack of customer service support my account has resulted in late charges and additional interest. I have been trying to reach the company for over a week. Please help their customers find out when and if theyll be able to speak with or get an email response from a financial institution they are dealing with!!!

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 2016-01-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I pulled my credit report and showed a tradline from Capital One. i have never applied or had an account with Capital One I have made a complaint with Capital one before advising them i was a victim of ID theft and no account should have been opened in my name. This has been addressed but yet im still having problems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28
Company: EQUIFAX, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I'm so tired of the same old story with these people. They tell me they corrected something but then don't really do it. They send me their inadequate consumer based report which doesn't really reflect the truth and never has. I ran my report with a company that I pay to allow me to do so every month. The same addresses I've requested be removed are STILL on my report! They just lied and didn't do anything! I ran my report with the company I deal with on XX/XX/27 and the addresses have not been removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: U.S. BANCORP
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 opened a business checking & money market savings account at a U.S. Bank branch in XXXX XXXX, CA onXX/XX/2019 with an advertised promotion for {$400.00}. The terms stated that I must deposit {$5000.00} within 30 days of account opening and that the {$400.00} bonus would be deposited into my account within 45 days of this event. I deposited the {$5000.00} minimum on XX/XX/19. The 45 days would be XX/XX/19 and the deposit still had not been credited to my account. I called the branch and they assured me that I had met the terms and the deposit would by seen in my account the following week. After waiting a week, I did not see any activity, so I called again, and they assured me it would then be credited the following week. Finally, I went into the branch where I opened the accounts on XX/XX/19 and sat with a banker to explain the situation. They said it looks like I met the terms, but it could take another 8 weeks to look into it. It seems they are giving me the run around, and do not plan on following their own terms.

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 2018-02-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Please see paragraph 6, on this uploaded motion presented to Puerto Rico US Bankruptcy Court by XXXX XXXX XXXX ( XXXX ). 

Here XXXX indicates to the court that debtor ( me and my ex wife ) as of XXXX XXXX we were in arrears by 71 payments. Therefore if you subtract 71 months from XX/XX/XXXX, XXXX, it will bring the delinquency to XXXX XXXX. 

Experian is reporting this account as First becoming delinquent on XX/XX/XXXX. This is incorrect as it then would have been only 43 payments in arrears from XX/XX/XXXX, not 71. 

Therefore this account have been reported longer than 7 years from when it first became delinquent. XX/XX/XXXX and is in violation of 15 USC section 605 ( 4 ) Please order XXXX to remove this account from my Experian report and permanently STOP further reporting this account to any Credit bureau.

Respectfully XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In reviewing my checking account statement this month I was shocked to discover an outstanding loan ( which I never approved ) for which Ive been paying monthly interest for God knows how long. After innumerable futile calls to the bank, I went to a branch and talked to an officer, who told me it was a line of credit that got generated as a result of a {$2900.00} overdraft that occurred this XX/XX/XXXX. Instead of notifying me that I could pay the balance and liquidate the loan, the bank sneakily kept the line of credit outstanding, charging me 14 % interest per month. This is a bank that Ive maintained business and personal accounts with for hundreds of thousands of dollars for 30 years! If I hadnt noticed the line of credit had kicked in, they wouldve milked me for the loan until XX/XX/2035 or beyond! I immediately paid off the loan from my ample funds ( the overdraft was a one-time technical glitch due to a temporary cash flow issue ) and demanded to speak to an officer to get the interest charges reversed. Thats when I discovered that the bank officer I was talking to had zero flexibility for problem resolution ; she, like me on the phone the day before, was shunted from one department to another with no results. Finally, they offered me an opportunity to talk to a manager in a couple of days by phone, but that it it probably wouldnt do any good anyway. ( i.e. XXXX XXXX ) I think this is # Citibanks version of the XXXX XXXX scandal where accounts were opened on behalf of customers without their consent resulting in huge penalties for XXXX XXXX. It may be legal but its a scam designed to entrap unwary consumers, many of whom are poor. After all, how else get they generate big $ s on a checking account maintained by a customer who never overdrafts?

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 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/XXXX I closed all my acct with Bank of America. Or so I thought. I regret I did not follow up as I should have. I moved to OH and there is no BoA here so I opened an acct with another bank. I received a letter from BoA date on letter XX/XX/XXXX stating I had an inactive acct with them with a balance of {$400.00} I called and found out that while my savings, money market and reg checking had been closed, my tier checking acct was not. I now had a balance of {$370.00}. After talking with XXXX I find they had been taking a fee out of {$25.00} I was told since XX/XX/XXXX. They could only go back 90 days in their records she said. I talked to a manager, XXXX in SC branch. She said she would credit my acct for {$250.00} of the fees taken and take the rest to the board for a hearing. I asked that the acct be closed then and she said it would take 5-7 bus days. I wrote all this down. I received a letter from BoA dated XX/XX/XXXX stating they were issuing a credit of {$200.00} only. as they assessed the fees taken we of no error. I called back and talked to another manager, XXXX or XXXX and she suggested I write to BoA in XXXX. Then she asks if I would like the acct closed?! I thought XXXX had closed the acct already. This is what happened in the first place saying they were closing the acct and did not, so I had them close the acct AGAIN so fees would not be taken out AGAIN. In all these years not one statement was sent to me letting me know I have an open acct with them. No letters at all. I feel I should be reimbursed for all the fees taken out since XX/XX/XXXX. I will write the letter to XXXX office but feel I am a small fish and nothing will happen in my favor. Can you help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
US Bank Corporation is charging me overdraft fees on debits that have not yet been posted and when I still had a positive balance in my account. When I questioned them as to why they were doing this, they seem to think its OK to look at debits not cleared or posted yet, ascertain I may become overdrawn and quickly hit me with an overdraft fee of {$36.00}. before the debit has ever been posted. There is something wrong with what they are doing. They has done this to me before, and seem to start hitting your account when you have XXXX or less in acts. In XXXX. I had {$330.00}. in my account. I had a debit of XXXX. My balance was {$280.00} but they listed it at XXXX. Then I spent {$68.00} and had a balance of XXXX. They said my balance was XXXX. I then had a debit of {$56.00}, which should leave me with {$150.00}, but instead the bank said I had a balance of $ XXXX. Unavailable funds of {$230.00} and started charging me overdraft fees of {$70.00}. How can they be allowed to do this? Hold money that has been in my account for weeks, and charge overdraft fees on purchases that have not even cleared yet?? Overdraft me because they are holding up.my money as unavailable? I understand you overdraft your account with a purchase, and you pay an overdraft fee. But I do NOT understand what US Bank is up to, holding your funds as unavailable even when they have been in your account for weeks, and then charging an overdraft fee because they are holding your funds? Something is wrong. They have No Right to charge an overdraft fee and overdraft me UNTIL the debit has cleared and I am overdrawn. I am withdrawing my finds and going to a new bank that is more transparent. Please look into these practices of holding funds and charging fees before anything has been posted.

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 2019-12-28
Company: Experian Information Solutions 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 never went to this school or any school. I never obtained Federal Student Loans of any kind. The information on my credit report is fraudulent. I have made an identity theft report to the police several years ago, yet XXXX is still posting negative marks on my credit report. Please make this stop so I can go about my life with decent credit. Thank you.

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 2019-10-21
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
First, we were XXXX customers that happened to be swallowed up by the bailout and ended up a victim with XXXX. With that being said, we've been battling with its numbers subsidiaries since XXXX - XXXX, XXXX and XXXX XXXX, now XXXX and XXXX ( XXXX 's vendor attorney ) and subsequently XXXX XXXX and Loan Care. 

In XXXX XXXX took over our loan in XXXX and " lost '' our first payment and the problem began. We did not have these issues with XXXX. But, the constant reallocation and the massive fees that did not comply with the terms of our note, the HOA fees, ( we do not live in a HOA ) the establishment of escrow when we have a waiver, adding insurance when we have insurance, yet no insurance was ever paid on our account, the countless infractions, misallocations, misappropriations, constant reallocations just to make sure money would not be allocated to our monthly payment to ensure more fees was exhausting. We always paid more than what we owed. We made significant payments of {$90000.00} principal payments that were never applied properly that took months to correct that cost us thousands in interests and yet none of the servicer 's are actually capable of auditing our account to rectify where our money was actually applied. 

Now, XXXX sold it servicing rights in XX/XX/XXXX to XXXX XXXX XXXX. And, XXXX sold its servicing rights again to XXXX XXXX XXXX  in XX/XX/XXXX. When I brought this to the attention of XXXX XXXX  XXXX when they tried to fast track a foreclosure on our properties for XXXX in order to secure assets for XXXX 's bankruptcy proceedings. XXXX XXXX XXXX still has not responded to any of our correspondence. Neither has XXXX, XXXX XXXX, or Loan Care. Truth be told it seems none of these companies seem to actually service our loan. They seem to just take our money and not apply it to our account.

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 2019-12-28
Company: Bread Financial Holdings, Inc.
State: IL
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:
Zales credit card just hit me with {$260.00} interest charge on my XX/XX/XXXX statement. 

I got a total of 3 different rings for them. The 1st time my husband order online in XX/XX/XXXXand when the ring came in it looked a lot smaller than it was online. So we returned it to our local Zales Outlet Store in XXXX, IL on XX/XX/XXXX. 

We then purchased the 2nd ring on XX/XX/XXXX and when I was offered the promotion I declined it because I use to work for XXXX XXXX and they use to finance for XXXX XXXX once the 18-24 month of promotion would end they would get hit with anywhere from $ XXXX {$3000.00} worth of interest on their appliance so I rather pay the interest. 

On XX/XX/XXXX we purchased the 3rd and final ring we bought. The young lady was suppose to do an exchange, however she stated that she had to do a return then buy the new ring. After she returned she was having some issues with getting me the new ring because Zales kept declining my card. Finally they stated they needed to speak with me when the young lady called the credit department. After doing some verification they finally let the sale go through. 

So if I went from paying interest to a promotion I was unaware of it until yesterday. Well I get a notice from one of my credit monitoring on yesterday that stated that one of my cards are over the limits. It stated Zales. Please find the statements attached. It shows that I was paying interest on the 2nd purchase but changed on the 3rd purchase  unbeknownst to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
TDBank 's online experience is useless. There's no information whatsoever on the escrow. When I call, it's 2 hour wait times and getting disconnected, or the person can't help. They were supposed to mail an escrow statement and never did. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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 am sending to you the request to remove the accounts which are not mine. I do not know these accounts and I do not recognize them at all. I have no idea how they appeared in my profile. So Delete them please

Company response to consumer: Closed with explanation