BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-08
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
SYNCB/XXXX  # XXXX has me as an authorized user. I was removed as an auth user and it should no longer be reporting on my credit. I would like for this account to be removed, it is not mine and I should no longer be on it or connected to it in any way.

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 2017-06-20
Company: Total Card, Inc.
State: MD
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 XXXX XXXX I submitted documents stating that 3 accounts had fraudulently been opened in my name. I submitted rental lease agreements showing I did not live in the address. Tax documents. Identification documents. and a FTC affidavit for the identity theft. I contacted the company 2 weeks later and they showed no record. Resent documents on X/22. called 2 weeks later. Was told by a representative that they would get a supervisor to pull my documents as the dispute had not been recorded or processed even though it had received documents. Called today X/XX/17 and was told that someone had attempted to keep the account open therefore I was being held liable for the account. This is an outrage. I did not open the account. I did not authorize the account. I did not use the account. I had never attempted to open the account and the first time I contacted someone was on X/X/17. I am being held liable for an account that the identification documents do not even match!! My FTC affidavit and police report and address verification documents should be proof enough that this account IS NOT MINE. Next step is hiring an attorney. I have requested they cease collection activity. they did not. I requested in writing documentation pertaining to the person who opened the account and application details. They did not provide it to me. I has now been over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited a check on XXXX/XXXX/XXXX for XXXX check was cleared and available in account XXXX/XXXX/XXXX. HSBC closed my account XXXX/XXXX/XXXX and left my money awaiting claim for XXXX on said date. I has a balance of XXXX dollars before check deposited. When I reached out to the bank my account was set up at the bank was closed and all information was carried over to designated branch. I called customer service and they advised me that the money was in unclaimed funds. When I reached out to unclaimed funds they stated since the account had activity in it the same year it was closed the processed of abandon properties did not go into affect. Advised HSBC of the information they do n't seem to know where the money in my account is at or how to find out where they put the funds in my account before and after the deposit. I asked for the paper trail of where my money is at for banks suppose to keep records for 7years and no one can provide me any information on where is the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I closed my Citi XXXX XXXX account due to the neverending incompetence by this bank, yet I am, somehow, receiving emails from the crooks telling me there's service charges and a negative 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 2021-09-24
Company: TMX Finance LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TitleMax, with whom I have never done business, won't stop calling me about some stranger 's debts. They have the wrong number. Telling them doesn't stop the calls nor does filing federal complaint -- last complaint number I noted XXXX like all the other calls and complaints assure me they will stop but they are at it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
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: Account information incorrect

Complaint:
DESPITE DISPUTING WITH ALL 3 BUREAUS FOR THE PAST YEAR ONLY CERTAIN ACCOUNTS HAVE BEEN REMOVED FROM MY CREDIT REPORT. ALL CORRESPONDENCE HAVE BEEN VIA CERTIFIED MAIL, I'VE EVEN WENT TO THE LENGTHS OF HAVING THESE LETTERS PROVING FCRA VIOLATIONS NOTARIZED. PLEASE REVIEW ATTACHED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of AmericaXXXX XXXX ( XXXX # XXXX, XXXX, XXXX ) did not disclose that HELOC payments would be interest + PRINCIPLE during the draw period which led me to reject offers from other banks. I thought I was getting an interest-only HELOC. HELOC application # 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 2022-03-12
Company: EQUIFAX, INC.
State: NE
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 previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
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: Public record information inaccurate

Complaint:
I started to dispute a bankruptcy back XX/XX/XXXX with all three Credit Bureau 's i provided them with the court doc 's showing the bankruptcy was dismissed and no account where filed under the bankruptcy. After a second letter on XX/XX/XXXX XXXX XXXX removed the bankruptcy with the provided documents from the courts showing that is was dismissed with no filing. The same letter and information was sent to Equifax  & XXXX  and they didn't removed it but states they where able to verify it. On XX/XX/XXXX i sent another letter to Equifax & XXXX  showing them that XXXX XXXX removed the bankruptcy back in XXXX. A month or so later they responded again with a letter stating it was verified. After even calling them i still got no where. This is really hendering me and my life. I know by law all three bureau 's must report the same information. I need something to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: MN
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 previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter about refinancing my home, I called in around the first of XX/XX/2021 to see what rates they had, the rate I have is better so we decided not to. When the Pennymac agent asked me why I wanted to refinance I advised it was to get the mortgage insurance off the account. He sed that due to the Loan to Value ( LTV ) of my home and the market I would be able to get that removed after my next payment. 

I called in again on XX/XX/2021 to start this process and was told no. 

After escalating to a supervisor ( XXXX XXXX EXT - XXXX ) I asked to submit a Unfair, Deceptive, Acts, and Practices ( UDAP ) case she sed she would review the call and give me a call back with her findings. 

I called again on XX/XX/2021 to talk to XXXX and was unable to get though so I escalated again to ( XXXX ) and was again told I would get a call back and never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 previously disputed with transunion, XXXX and XXXX on XX/XX//2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2021-09-25
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
Unauthorized transactions XX/XX/2021 {$1000.00} Merchant XXXX XXXX XXXX XX/XX/2021 {$580.00} Merchant XXXX XXXX XXXX Tried to dispute on credit card website and electronically completed dispute form will not submit. XXXX XXXX XXXX  Tried to call credit card company. Message for dispute department says is closed. 
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 monetary relief
Consumer complaint received 2022-09-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on or about XX/XX/XXXX, my credit card company, USAA withdrew XXXX dollars from my personal checking account with me calling and requesting and XXXX. They stole XXXX dollars with out my permission and did not place it on my credit card as a deposit..I have no idea where it is! 
Previously, on or about XXXX, I called and talked to a customer service rep. I asked why my USAA credit card balance had stayed at XXXX for al least XXXX XXXXays. She told that large XXXX deposits ( XXXX ) were red flagged and held or frozen or put on a hold for an unknown amount of time ( 10 days ) until " someone " could investigate this red flag. No on from USAA contacted me at any time in the XXXX years I have a customer of USAA. 
Not knowing this, I continued making deposits from my personal checking account to get my balance up.I needed to order important things. This is how I order my XXXX medications that I must take regularly for my serious health conditions.This is how I order items that I can not buy in my small town of XXXX, Oklahoma. I can not drive to XXXX or XXXX to by these things I need. I need to buy them online. These are things that are very important to my daily quality of life. USAA 's abandoned their Fiduciary responsibility to me and I suffered emotional pain, physical pain, and anger as to how they stole XXXX from me and would not put my XXXX deposits on my USAA credit card. I see this as a severe violation of my rights and I consider the a clear case of XXXX XXXX. I am XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: First Associates Loan Servicing LLC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have a loan currently through XXXXXXXX XXXX XXXX that I got during my schooling through XXXX XXXX. I was never aware that I even signed up for this loan until my loans started to come in. From my understanding I only had Federal loans, so I have no idea when this loan even came into being. My current interest rate is far to high and the payments are unreasonable. When the payments started coming in it was a repayment of about {$430.00} at a 16.5 % interest rate. I was unable to afford this, so I tried to defer which was only allowed for 3 months. This did not help me at all, because my income at that time was not enough to juggle that, food, and other necessity for my kids and myself. This means my only option was to allow it to hit my credit because they would not work with me. The payments still remain at {$430.00} even after paying and trying to reduce my payments, my interest rate has now risen to 17 % even with paying my bills on time for the last 6+ months, and my credit is poor due to them hitting it because I was unable to afford the payments before so I am unable to refinance the loan to get lower payments and interest rates through another company. They have made it near impossible for me to be able to actually ever pay back my loan or even stay on top of it so that I can rebuild my credit. I am looking for any sort of help or suggestions I can get on how to move forward so that this is not a constant burden to my financial well being.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
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: Account status incorrect

Complaint:
I have disputed the late payment on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2019-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Capital One credit card with a {$300.00} dollar credit limit. I recently went through a very hard financial struggle and lost my job. In result I was unable to make consistent payments to my bill. The credit company would not work with me on lower my interest fees or postpone payment due dates and continued to charge me. When before I went through financial troubles I was making all my payments 100 % ahead of the due date. My last payment was on XX/XX/2018. I lost my job XX/XX/2018 and the company continued to charge me high interest rate which resulted in the credit grantor closing my account and leaving a negative remark on my credit of {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: TX
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 XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXXt # 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 also states a consumer reporting agency can not furnish a 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 2022-03-12
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: Account status incorrect

Complaint:
I have never been late on my bills. paid on time. I have excellent credit in XXXX. where I have a company. my name there is extremely correct. and here I don't know what's going on, one or two companies made a mistake and denied my name and XXXX  accepted it without verifying the veracity. I'm about to hire a lawyer here and sort this out. I need to understand why they accept negative without being sure. My XXXX is not perfect so i try undrstand credit report here. Icall i try looking what happend. but really i dont have any problem. I have never been late on any payments in my entire life. And what could have happened is that I didn't make a purchase or two through XXXX. and I explained that someone tried to use my card. and it could be that the company turned me down but I don't owe anyone anything and I always pay my bills on time. another mistake and that XXXX goods outsources the receipts. and the company made a mistake and turned me down. I don't owe them anything. and I paid off my car so I wouldn't have any more problems with two installments due on the same date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: WELLS FARGO & COMPANY
State: PA
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:
I called Wells Fargo last night around XXXX Monday XX/XX/XXXX. This was in reference to the Wells Fargo XXXX XXXX and its {$45.00} annual fee and also misrepresentation on the phone about currency conversion and foreign transaction fees. Wells Fargo has 2 XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) the woman ( XXXX ) I spoke to told me that as of recent the XXXX and XXXX cards terms have been made the same but, I think inquired why does the {$45.00} annual fee remain. She had no answer to me in regards to that and then offered me to switch my card to the original XXXX. I told her would n't that affect my credit, she said she did n't know and could not make a representation, I was then forward to the credit department in Wells Fargo, who still could n't give me an answer. I spoke the credit bureau this morning in regards to my credit score implications and she indicated if I had to close down one account and switch it over it would affect my credit score. Without informing older customers of the XXXX, all these customers are being required to pay {$45.00} a year for something that is free on the XXXX. And to correct it this would cost us a ding on our credit, which is absurd. Additionally, several Wells Fargo employees indicated to me that foreign transaction fees and currency conversion fees were the same thing. But after reading up on this, that is not true and the company was making false statements.

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