BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit 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 over paid them XXXX and some change on XX/XX/XXXX with my online banking company. They sent the overpayment to me by mail the XXXX of XXXX I deposited the check. I see that my balance on kohls shows XXXX for XXXX. They claim they sent 2 checks the other one was a XXXX but I never received it kohls said it hasnt been cashed so I said put a stop payment on the check because I dont have it. This issue has dramatically lowered my credit score. Im not one to not pay my bills but this is not a bill I owe. And kohls XXXX # has not been any help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was misinformed of the purpose of this card. I went to purchase a pair of glasses that cost {$1000.00} dollars on XXXX XXXX, 2016 and paid it in full. Then was informed that I could sign up for Citi Health Card Dealer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm trying to start back school and trying to get into buying a house but there are damages on my report. These negatives things shouldn't be on my report according to the 15 U.S.C 1681 law there shouldn't be any damages on my credit report. These reports are a defamation of character of my free will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Rocket Mortgage, LLC
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I reached out to rocket mortgage at the end of XX/XX/XXXX due to a misapplied payment. They did resolve that issue. However, they then transferred me to a mortgage banker by the name of XXXX XXXX. He attempted to sell me on a new loan and I told him I was not interested multiple times. He then asked for my permission to pull credit. I told him that he absolutely did NOT have my permission because I was not interested in obtaining any type of loan. Today, XX/XX/XXXX, I received a denial for a loan due to my credit. He pulled my credit without my permission and attempted to get a loan in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Received attached mailing from Citizens offering a financial bonus for setting up a new checking and savings account. Opened a checking account on XX/XX/XXXX. Made two direct deposits on XX/XX/XXXX in amount of {$500.00} & {$15000.00}. 

Mailer says that accounts opened in XXXX that made the qualifying deposits would have {$300.00} bonus paid by XX/XX/XXXX. As of yet, this bonus has not been paid. 

Below is the record of my conversation with Citizens : Tuesday, XX/XX/XXXX - Called at XXXX ; was offered a call back due to high volume wait times; left number for call back - Received call back at XXXX from XXXX. Explained that I had not received the {$300.00} bonus with the account I had opened in XXXX. I was asked where I got the code I informed them it was a mailer addressed to me with my name on it. Was asked to hold as they looked at account history and contacted promotion department. After a few minutes was informed that a case was going to be opened and sent over to the research department. Case # XXXX and it would take 3-5 business days. 

Thursday XX/XX/XXXX - Received call at XXXX from XXXX that my case was reviewed and it was found that I did not qualify for the bonus since I had a previous account with Citizens back. That was all the information I was given. 
- I reviewed my records to see if I had an account that would disqualify me. I could find no record of having an account.Called back at XXXX ; was offered a call back due to high volume wait times ; left number for call back - Received call back at XXXX ; I stated I was calling to get more information on the previous account that was under my name since I had no records of it. I was told that there were no other accounts under my name and she did not understand what I was referring to. Explained again the information I had just received from XXXX. She put me on hold and looked again. I was told there was a savings account opened XX/XX/XXXX and closed in XXXX. I asked for the account number and was told that information could not be given over the phone. She then asked me who was XXXX? I stated XXXX is my last name. She said the account on file was listed as XXXX XXXX. I said I was not XXXX XXXX. I was put on hold again and informed that the account was either a savings or business account opened XX/XX/XXXX and closed XX/XX/XXXX. I stated again I was XXXX not XXXX. I was told because of this account I was not eligible for the bonus. I stated I would take this another route by reaching out to consumer protection financial bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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 fraudulent accounts reporting on my consumer report. I did not authorize these accounts. On XX/XX/2023, I have sent my FTC report, License to XXXX, XXXX, Equifax. I will take legal action by filing a civil suit for reporting fraudulent information on my consumer report if these accounts are not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is with my previous lender ( Flagstar Bank ). How they were to able to XXXX up my loan before transferring it to the new lender they sold my loan to?? 
On ( XX/XX/XXXX ), my current lender ( XXXX XXXX ) sent me an Escrow Analysis Statement showing my Escrow Account Shortage $ XXXX, and with a payment increase from {$1600.00} to {$2700.00}, that {$1100.00} more!! 
On ( XX/XX/XXXX ), I called to speak to someone at XXXX for an explanation on my Escrow account, on why an extreme negative amount? The representative kept stating my property tax increase and catching up. It wasnt making sense to me? 
Second call to XXXX, the C.S. advice to call Flagstar bank and do a three way so she can assist on the call. The representative with Flagstar said they pay what they get billed and also said they do not pay supplemental property taxes for there customers, that, thats our responsibility. 
I ended up reaching out to my broker Ive used in the past and my realtor for assistance and advice. We figured out, my previous lender ( Flagstar Bank ), one month before transferring my loan off, only paid XXXX property tax bill, but incorrectly, they paid XXXX ( {$1900.00} ) amount and not XXXX ( {$3700.00} ). I also had a supplemental payment in XX/XX/XXXX ( {$3300.00} ) that they didnt pay and right before my XXXX property tax bill was due, they had passed on my loan to another company. In XX/XX/XXXX, Flagstar Bank sent me an Escrow Account Statement showing my escrow balance overage of {$7500.00} in a surplus and my payments to be decreased from {$19000.00} to {$1600.00}. They sent me a check for {$7500.00}. 
The new lender ( XXXX  ) continued to bill me with the new lower payment amount, since XX/XX/XXXX. Im not a first time home owner and have always included my impounds in my payments, but I have never had a mortgage company XXXX up my escrow to where now I owe back almost $ XXXX!! 
I now have a better understanding on when receiving secured property tax bill, what to look for and compare to what my current mortgage company is paying or not? 
XXXX  to catch up, paid my XXXX supplemental bill, XXXX XXXX property tax bill ( correct amt {$3700.00} ) and each month paying short of {$390.00} ( XXXX ) totals {$1900.00} ). Luckily I banked the overage surplus Flagstar claimed I had, and paid XXXX with that, so now only leaves my escrow on a - {$2000.00} and they are working with me to stretch out that in 24months. But not everyone can say they kept overage money. Scary to know if I didnt do what I did, I could eventually lose my home, as I cant afford to pay a monthly increase of {$1200.00} on my mortgage payment.

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 2023-03-12
Company: EQUIFAX, INC.
State: GA
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:
Through XXXX there were several fraudulent Inquiries There was an inquiry for XXXX XXXX on XXXX XXXX There was an inquiry for XXXX XXXX XXXX  on XX/XX/XXXX There was an inquiry for an XXXX XXXX XXXX/ XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX XXXX XXXX on XX/XX/XXXX There was an inquiry for XXXX placed XXXX XX/XX/XXXX Through Equifax there were also Fraudulent Inquiries made There was an inquiry for XXXX  Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX Inquiry : XX/XX/XXXX There was an inquiry for XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX There was an inquiry for XXXX XXXX : XXXX. XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX There was an inquiry for XXXX Inquiry : XXXX XXXX, XXXX I am not one to check my credit often but when I did I noticed a lot of unauthorized inquiries that were not placed by me and this has caused my credit score to drop drastically in a short period of time, I do not want what someone else did affect my credit, Ive worked hard to get my credit score up only for someone to cause it to drop and its not fair to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: OLIPHANT FINANCIAL, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
We were under litigation and agreed to an agreement but they did not disclose that they would report me to consumer credit bureaus if that information was disclosed we would have change our defense strategy and agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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, booked a round-trip flight with XXXX ( Through Capital One rewards ) I used about XXXX miles or around {$950.00} for the flight. 

A week later, I needed the date changed on the flight. I only needed the date moved a few days. Both XXXX and Capital One gave some ridiculous reason as to the " class '' of flight not matching, and that the new flight would cost about {$3000.00} MORE. 

I explained that simply rebooking the flight would only cost me another {$950.00}, and this policy is not only non-sense but clearly fraudulent and specifically destroying any optionality on the side of the consumer. 

Neither XXXX nor Capital One cared, and because they pinned me down for an extra {$3000.00}, I had no choice but to leave it inactive, thereby NOT being able to do anything with the original flight, and losing my original cost. 

Not only is it price-gouging, but it's unethical, immoral, and likely illegal that companies can operate under these shadowy rules they create themselves to gimp money out of unsuspecting consumers. 

I have a XXXX XXXX XXXX  complaint as well, which Capital One refused for reasons they say were " explained '' to me. It's disgusting that I have to go this far to get money which is my own back into my hands. 

Absolutely disgusting. Will not stop until every single enforcement agency knows and does something about these nasty companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
15 U.S.C 1681G law violations. U.S.C 1681.I tried to purchase a home and its reporting things that shouldnt be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a dispute directly to this company and asked for the 1099-c form due to this account being reported as charge off and according to the IRS a charge off account is ordinary income and income is not reported on my credit report. This violates 15 USC 1681c-2 and 15 USC 1681 section a I am requesting a copy of 1099-c to see the correct amount of balance after charge off. This account is reporting wrong balance which makes this inaccurate and incomplete It has been over 40 days since they received my dispute letter and have not heard back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10
Company: Aldous & Associates, PLLC
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a membership with XXXX XXXX, and I went there consistently for a couple months until I got pregnant and had an injury during my pregnancy. I let them know the day I had left the gym as well as called back a month later, after I had received a charge, even though I have not been going. The representatives and let me know on several different calls that I didnt have to worry about anything, and since I had to dispute the charge with my card, theres nothing further I needed to do on my end due to the unique situation. I had been receiving strange calls to update my financial information so I had called back again and they let me know as long as the money wasnt coming out of my account. Theres really not much they could do. About a month or so ago I received a call from the manager at that branch letting me know that they were about to send my debt to a collections company because I owe over {$300.00}. Every single time Ive spoken to a representative. I thought there was no further action was needed but since they have proof of the attempts of calls, they made theyre not willing to work with me on the debt. I was going back-and-forth with the manager in regards to taking care of the account. However, he stopped responding about a month ago and now I received a collections notice from a legal firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: EQUIFAX, 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 am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked 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 2023-10-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting 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 the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to verify my identity. I recently applied for a loan and was denied. I checked my credit report and noticed some accounts that are fraudulently on my credit report without my consent or authorization.

These debt collectors are claiming that I owe them and are reporting negative information which is damaging my credit worthiness. They have not validated the debt to show any contract between them and I, to justify their claims that I owe them, and when I contacted them, they sent me frivolous automated responses that did not address my concern.

Also, the credit bureaus are not conducting a reasonable investigation and are allowing the reporting of this fraudulent information XXXXXXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: IL
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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXXXXXX XXXX- acct XXXX XXXX has violated my rights XXXX XXXXXXXX XXXX- acct # XXXX has violated my rights XXXX XXXX XXXX acct # XXXX has violated my rights XXXX XXXX  acct # XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights US Dept. of education- acct # XXXX has violated my rights US dept of education- acct # XXXX has violated my rights XXXX acct XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX 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 also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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