BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. And, still the account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}

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 2016-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This complaint is against Saks First Premier Master Card. The motive of this complaint is because the department of fraud blocked all my accounts that I have with Capital One Bank of Saks Fifth Avenue and Neiman Marcus. Because they say that I made a payment of XXXX dollars and that payment was returned, small story short telling me I 'm a liar because in this complaint I 'm going to attach a copy of status of my accounts of XXXX XXXX how they asked me and also the check by them. Because I know that they have it in their account. Also in many opportunities they have mistreated me, asking me for papers like I was doing fraud in my own account. I have sent through fax in a lot of oppurtunities of all the documents that they ask of me to prove my identity. The Saks Fifth Avenue of XXXX XXXX of XXXX, Florida. This situation has had me exhausted and embarrassment also wasting time and have embarrassment. Today, an ironic investigator presumed that I was lying. And that for him to unblock my accounts he needs copy of my driver 's license front and back, copy of my SS front and back, last statement of my cheekiness account, evidence of my check paying Neiman Marcus for the XXXX dollars. Because in his computer apparently it does n't exist. Here, attached I have all the proof that they are asking for me because through you there will be a stop the embarrassment that this store and company has put me through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
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:
Box 1 : ATTN Fraud Department : Remove fraudulent accounts from 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 2020-04-14
Company: Kashable LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent Certified mail to Kashable requesting that they provide me proof that this account was opened by me and to provide proof. They did not send correct info only a statement with the payment due dates which doesnt show proof of anything. They are in violation of the FCRA and FDCPA. They did not respond in the alotted amount of time to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: PRESTIGE FINANCIAL SERVICES INC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I became aware that Prestige was storing my credit card info in some part in their system and via a 3rd party system I requested on several occasions that the information be removed, that I had n't consented nor was I told that my credit card number will be stored To this request I received push back and was ultimately that Prestige only keeps the last XXXX digits of my card info I was told their 3rd party vendor XXXX XXXX houses the information. Again I asked that the information be removed and that was again met with resistance. I was told to contact XXXX XXXX which on XXXX/XXXX/2016 I did. I subsequently did a 3 way call with XXXX XXXX and XXXX from Prestige. 
During this recorded call XXXX said XXXX XXXX had the stored credit card details and the rep from XXXX XXXX said they did not keep those details. I have n't made any payments directly to XXXX XXXX my payments are made to Prestige and no where on their website nor in any other disclosure is there any information about how my information is stored. Prestige has refused to remove the information from their system or request that the information be removed by their 3rd party ( where applicable by law ) Prestige has continuously refused to aid in removing this information. They also have refused to remove the viewable information from their system. 
Prestige is engaging in deceptive practices and privacy violations as well as compliance violations as it relates to keeping credit card information on file.

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 2016-12-05
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Credit reporting error. I had a balance in XXXX XXXX and paid what I was told the payoff amount was. Then Santandar reported the {$4.00} late at XXXX days! They also sent me a REFUND check # XXXX for {$330.00} in XXXX XXXX for an OVERPAYMENT! I disputed the XXXX late this past summer, and they made it worse by changing the account to " Charge Off '' ( {$4.00}!! ) with an incorrect date of XXXX XXXX. Account was paid and closed in XXXX! They must remove the account not reporting correctly from all XXXX bureaus, of both mine and the joint borrower immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: Genesis FS Card Services, Inc.
State: MA
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 contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had an ongoing problem with Shellpoint mortgage. I have consistently fully paid the mortgage monthly since its inception and have never missed a payment. 

The loan was established without an escrow, and I have paid the insurance and taxes without lapse. On numerous occasions, I have supplied proof of insurance to Shellpoint, but they have not updated their records, and have applied lender placed coverage on the loan and added the cost to an escrow balance on the account. Since I already have insurance on the property, I refused to pay the escrow balance, and have asked Shellpoint to rectify this situation. This has been an ongoing issue with them for the past 2 years, and they have not corrected their records. They are now calling me non-stop trying to collect the balance and show the loan 60 days in arrears which is negatively impacting my credit.

I provided Shellpoint full proof of insurance coverage for the past two years including building liability and flood insurance policies via email to XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 and have requested that they correct their records. Rather than update their information, I have received 2 additional letters from them demanding proof of insurance.

I have tried to resolve this issue through Shellpoint 's customer service, but find them to be useless. Instead of resolving the issue, they tell me they will file a complaint and request that I send the proof of insurance to the email address that I referenced above.

I recently tried to refinance the property to get away from Shellpoint, but the negative impact they are having on my credit is preventing me from refinancing. I need your help to get this resolved and will provide any and all documentation you need to resolve this issue with Shellpoint

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On XXXX XXXX, 2017, I sent a certified letter to GM Financial, for account # XXXX under XXXX and XXXX XXXX, in regards to verifying an additional fee added to our bill in relation to a debt collector by the name of XXXX XXXX XXXX XXXX. The certified letter requested validation under the Fair Debt Collection Practice Act to provide evidence bearing my signature from debt collection, which GM Financial decided to pay without validation and is now charging me for it. GM Financial stating that fee is valid due to an itemized statement from debt collector which is not a legal documentation without a signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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 have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE 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 2020-04-14
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Every single credit card company has either reduced or forgiven interest during this pandemic. NOT Barclays ( XXXX XXXX XXXX ). Even though the fed rate has dropped to 0 %, they are still charging us 20.99 %. We have never paid late and we have excellent credit. I CERTAINLY hope ( and will also go the banking commission ) that they are not going to get any bail out during this crisis. We have transferred our balance to another card but I wanted this to go on record because there are many people out there who do not have this option.

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 2016-04-08
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been ( robo ) called everyday by " Convergent Outsourcing '' who ( once I identify myself ) stated they were representing XXXX and trying to collect on a past due bill. I explained that when I closed my account, I was told everything was in order. They insisted I owed ( roughly ) {$190.00}. I asked that they email me an invoice or provide some sort of verification. They refused. They have called me several times everyday since, and today called my ex-wife and left a message stating they were trying to collect a debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: JPMORGAN CHASE & CO.
State: MD
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:
Hello The problem is that vendor sent me return info, after Visa discussed it with them, and then they sent me two different addresses { copy provided in docs }, i was not able to figure out which address to use, so I sent them an email so that they could tell me which place was the appropriate address. 

I have included all the documents that I thinks reflects that I have earnestly tried to find out what address I should send this product back too, a clarification on their part could have easily resolved this matter, by updating a correct address. It is hard for me to guess where I should send the product too All docs have been provided to Visa, I also sent a letter recently to the Maryland Attorney General Consumer Affairs, and they have advised me to contact you folks. Copy of letter provided below. 

In Conclusion, we believe that Chase did not follow up with us nor take our problem serious, in order to see that we have tried to follow up for months on end, and get nothing about a run around from the Vendor and then even from Chase themselves, it was like our documented case was nothing of value to them, but we work hard to get the money to have purchased this item, which we had properly asked to return. 

thanks from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: Other

Complaint:
Kohl 's credit card call me repeatedly everyday. XXXX times on thus far XXXX seperate occasions : XX/XX/2015 at 8XXXX, XXXX, XXXX, and XXXX ( cst ) XX/XX/2015 at XXXX, XXXX XXXX XXXX, XXXX ( cst ) and then on XX/XX/2015 at XXXX, XXXX, XXXX, XXXX, and XXXX ( cst )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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 have been a victim of identity theft. Somebody has been using my personal information to apply for credit and using it without my knowledge. This has taken a huge toll on my personal finances because now my credit is shot due to this. It is very frustrating as I can not get approved for anything due to this theft. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, INC.
State: PA
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/XXXX, I sent Equifax a letter disputing 9 late payments on my credit file reported by The Department of Education/XXXX. The Department of Education/XXXX is reporting 9 late payments which I believe are incorrect. The dates are 90 Days Late in XX/XX/XXXX, 90 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX, 120 Days Late in XX/XX/XXXX. When I submitted my dispute letter to Equifax I stated that my loans were actually in Forbearance Status, I even submitted documentary proof showing all accounts during those time periods. In XX/XX/XXXX, The Department of Education/XX/XX/XXXX sent me a payment history letter showing all of my accounts and documented that all Loans were in Forbearance during that period. I believe that Equifax is not properly investigating my disputes, or taking it into consideration that it is proof shown in black in white on the payment history letter by The Department of Education/XXXX that the status of my loans says " Forbearance ''. Equifax has not only disregarded my documented proof but they have also violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015 I went to XXXX XXXX in XXXX XXXX to pick up silver jewelry samples that were promised to me to be completed on this date. The company told me I had to pay {$550.00} more in order to receive the silver models. I paid on my Citicard and was told to return the following day to pick everything up. When I went back the company refused to release the silver pieces. 
When I returned to the US, I was sent a contract from the company stating they owned everything. I have not received anything that I paid for. This was fraud by 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 explanation
Consumer complaint received 2020-04-14
Company: WELLS FARGO & COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
on XXXX20 someone pretending to be me called Wells Fargo and asked for a new credit card to be sent to a different address then mine. Wells Fargo granted this request and now a stranger ( I believe named XXXX XXXX ) has my credit card in his possession and used it at least 4 times with total charges of around XXXX dollars. Wells Fargo assisted in this extortion of my good credit and I am left to resolve all forthcoming issues on my own. This is totally outrages, No bank can be this stupid, phone and voice recognition ignored, no phone call or text to me which could easily conformed if it was me or not, this is something I must do constantly, so why was my imposter not put through the same procedures that I must go through? So what is Wells Fargo 's responsibility in this matter? As I am left to scramble to cover all my credit information. Wells Fargo as not called me on this matter, they have not apologized to me, they have not express any concern nor have I received a transcript of the phone call from XXXX20 to see what information was used to obtain a credit card in my name.

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 2022-07-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Company name : PayPal Mastercard account My rewards cash back are missing. The last time I did redeemed was on XX/XX/XXXX with the amount of {$10.00}. Since then I couldnt able to redeem it. The company owes my rewards from XX/XX/XXXX to XX/XX/XXXX. 
Every time I am trying to redeem the cash rewards I got a error message redemption failure and it took away my cash rewards and it never applied to my PayPal wallets.The company owes me more than {$100.00} cash rewards and I want as a check for that rewards. Because I m not able to redeem it.

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 2015-11-29
Company: CITIBANK, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
In 2009 I was offered a program from City Mortgage called HAMP which offered lower monthly rates and 30 years fixed rate.Before getting on the program I was told that I dont have to pay anything until they decide if I qualify or not.I still made payments every month for XXXX instead of XXXX dollars each month.The qualification review took over a year and I got a letter telling me I am not qualified and I owe City Mortgage over $ XXXX.I could n't pay that amount and numerous times contacted City Mortgage to see why I am not qualified.I never got a clear answer why and they did not want to help me.I was told if I could not pay that amount that my house will go to foreclosure.At that time I started to write complaints to corporate and the {$20000.00} got added to my mortgage and I was put on the program which supposedly I did not qualify for.Just now I got a letter stating that my mortgage is now lengthened to 40 years instead of 30 how they stated before.I contacted a loan agent to refinance my mortgage and was told that my rate would not be low due to City Mortgage filing a foreclosure report. 
I was never late on my payments, I was offered HAMP program by City Mortgage and they told me not to pay anything or pay XXXX which I choose to pay.And in the end I am stuck with a false foreclosure made by City Mortgage on my record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
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: Other problem getting your report or credit score

Complaint:
There are continuous fraud activities going on daily and a person should be able to check and validate the credit report. This method is not a problem with XXXX and XXXX. However, Equifax disallows XXXX XXXX, especially when out of the country, to be able to view and dispute the report. Because this has happened many times, Equifax was reported to the Federal Trade Commission for bad business practice and possible fraud activities.

Company response to consumer: Closed with explanation