BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-05
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Key bank holds all transfers in from other banks and credit unions for XXXX business days before giving you access to the funds. I have a XXXX XXXX Card with Key. We have a XXXX checking at a Credit Union. We also have a checking account at Key, but have not been using it for XXXX banking for a year because the same problem existed there with holds for XXXX days. XXXX. We get checks for XXXX regularly. We have to deposit then disperse some of this money within a day. This was impossible with Key 's rules so we moved to the XXXX for the XXXX checking. Now when we do a bank to bank online transfer from the XXXX to Key to pay down the XXXXcard, Key will not release any funds over {$200.00} for XXXX full business days. I recently paid {$5000.00} to the XXXX on XXXX/XXXX/15. on XXXX XXXX/XXXX/15 I still could not charge anything to the XXXX. I needed to order a new laptop and XXXX could n't get the charge to go through. I finally switched to a personal XXXX CC so I could get the laptop ordered and on it 's way - to run my business. Key insisted this is their policy and they are within their rights and the law to do so. I feel this is a predatory, non-consumer oriented policy that is hurting small businesses like ours. I do n't have lots of cash sitting around to absorb these things. I have to make payroll, pay my agents, and pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
While the FRCA creates the credit repair process, the XXXX XXXX XXXX XXXX regulates the credit repair industry. ... The law recognizes that consumers need to maintain a high score and have a right to seek assistance to correct their XXXX XXXX, XXXX all navient loans office of the atty XXXX XXXX fed XXXX ser navie XXXX XXXX credit collection sevic navient XXXX bank XXXX XXXX CFPB XXXX XXXX XXXX Largest XXXX XXXX XXXX XXXX for XXXX XXXX XXXX Every Stage of Repayment The Fair Debt Collection Practices Act, Pub. L. XXXX ; XXXX Stat. XXXX, codified as XXXX U.S.C. XXXX XXXX, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit XXXX XXXX, as Title XXXX of that Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been a customer since XXXX. In the XX/XX/XXXX I lost my job and a payment that I made in XXXX of XXXX was returned, I obtained a new job and paid the late fees, returned check fees and all other fees to bring my account current. At the time, my account was over the credit limit and a " restricted '' status had appeared on the website. I assumed that the restricted status was due to the over the credit limit and never questioned this. My husband and I are looking to buy a house this summer so we are improving our debt to income ratio and preparing, we suffered a file this past XXXX at my child hood home and my mother will be coming to live with us, so sale is very important to my family. Well last night I went on the website to ensure the payment in full of the account posted. I was surprised to see that the account was still listed as restricted, so I called the number it requested me to call and was transferred multiple times before speaking with the fraud department that told me my account had been closed in XXXX of XXXX due to my returned check. I became angry and asked for a supervisor who when I threatened the XXXX hung up on me. I called back, my first call has been 53:20. I advised of my concerns again and was again transferred to a fraud supervisor who informed me he did not have access to unrestricted my account and that his manager would need to do it but he had left for the evening. Call # 2 lasted 36:53 to be called I 'd get a call back. I decided to file a complaint with XXXX but still wanted this resolved, so I called the number on the bbb website once last night was resulted in my again being transferred this time to collections and now a case being opened with a callback within 7-10 days, this is unacceptable. I called again this morning to be transferred and told there was absolutely nothing anyone could do to unrestricted my account. 5 hours of my life wasted with no resolution and misinformation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid this card off in full early. First red flag was they started charging me interest before ever even sending me a bill to pay on a zero interest for a year account. I paid the account off in full back on XX/XX/XXXX with a memo notification to close my account. They then sent me an interest bill for {$17.00} against a XXXX balance. So I called to confirm my account was closed. Today was my third attempt to confirm closure since they sent me another bill. I spoke with XXXX from Comenity-Iddeal Card on XX/XX/XXXX to confirm closure, she verbally stated yes it is closed and we will credit you the {$17.00} interest charge. HOW are they charging interest on a XXXX balance account? I then received another bill for XXXX with not only the {$17.00} but a late fee of {$19.00}. XXXX stated I would be sent a confirmation letter of closure on XXXX. I called again today since I now have a bill for fees for {$36.00}. Spoke to XXXX this time and she confirmed my account was closed yet I have a bill for a late fee on the XXXX that I didn't pay for XXXX - when I had a XXXX balance which is why XXXX waived that fee. This company is trying to charge interest when there is NO money owed! They are then not following up with written confirmation of the closure and are still trying to charge me interest with a late fee! Again today they confirmed that the account was closed and she was asking her supervisor to waive the fees - how are they billing interest to a XXXX dollar account! They stated again I would receive an e-mail and a letter but it would take 3 to 5 days. Since when does an e-mail take 3 to 5 days! This is beyond an unethical business practice but fraudulent to charge someone interest when nothing is owed and then to try and tack on a late fee to that AFTER the account was CLOSED!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX XXXX I received a that XXXX was being deducted for a XXXX XXXX XXXX.I contacted chime support to let them know it wasn't me.I was told to turn off transactions on my card so no other charges would be charged.I kept my transactions off until XX/XX/22 as I needed to buy things I needed from XXXX which I made a XXXX XXXX pm this day I received a notification my checking account was being charged XXXX for XXXX.I contacted Chime support I was told I couldn't dispute this charge until it settled and to turn off my transactions my card until they send a new one.i received another text message from chime at XXXX pm support saying my card declined for XXXX because my transactions were turned off.i started the dispute XX/XX/22 only for them to close my dispute and tell me the funds that were taken from my checking would not be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  XXXX  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 Account # : XXXX XXXX Account Type - Detail : Credit Card Credit Card Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3000.00} {$3000.00} {$3000.00} High Credit : {$3000.00} {$0.00} {$3000.00} Credit Limit : {$2800.00} {$2800.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/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 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is reporting a collection for a timeshare that has been paid off for years. I never stayed there, paid all my maintenance fees up to the time I told the company they could have it back and sell it to someone else!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I was on a forbearance plan for 18 months period during Covid-19 with Mr. Cooper XXXX XXXX XXXX At the end of the plan, they scheduled me a trial payment which was due before XX/XX/XXXX. I made a payment of XXXX on XX/XX/XXXX. The solution that they offered was to move 18 payments to the end of my loan and pay escrow and taxes for unpaid months as separate installments for 12-24 months. For some unknown to me reason, this solution ( accepted by me ) got rejected by Mr. Cooper. I called them multiple times saying that I am ready to resume payments, but my account is not eligible to make payments. I received text messages, emails, and mails that my payments are overdue and I need to contact Mr. Cooper immediately. They keep apologizing, saying that I need to wait until the system finishes processing the request, but nothing is happening for a month. My online account displays the amount I have to pay for all 18 months of forbearance. It looks like I got caught in a mousetrap by this company. They advertised false programs to help families during Covid 19. I can not pay for 18 months of the mortgage at once. Today someone knocked on my door and handed me a mail, saying that I need to call my mortgage company as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: EQUIFAX, INC.
State: AL
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 recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-29
Company: BARCLAYS BANK DELAWARE
State: MI
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 've had this card for quite some time and until recently hide always received an email notification telling me that my bill was due I could login to my account online and pay my bill and have always paid my bill on time I have perfect credit there is not a late payment anywhere on my credit report abou t two m onths ago for some reason I never received a notification from this Bank I checked my spam folder I thought maybe for some reason they had mailed a bill but they claim they did n't mail anything to me there was no notification at all and they charged me a late fee I told them I received every other email that I 'm supposed to receive this is the o nly one and as k them to check into it now 2 months later this is happened again they 're not sending me notifications and then they 're turning around and charging late fees it 's not my fault they did n't have their it Department fix this 2 months ago whenever I told them about it and now they 're trying to take advantage of their customers

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 2022-03-16
Company: EQUIFAX, INC.
State: AL
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:
Im a victim of identity theft and keep receiving notification about a fraud account that does not belong to me I submitted a report over a month ago please see attachemnts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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 information incorrect

Complaint:
To Whomever This May Concern : I need my balances updated via the credit bureaus please for XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are reporting incorrect balances on the bureaus. I need them to update them.

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 2016-09-08
Company: TCF NATIONAL BANK
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a 5 year balloon payment with TCF National Bank. It expired in XXXX 2016, and my wife and I signed a Maturing Closed-End Loan Modification Agreement on XXXX XXXX, 2016. 
TCF still bills us at the old rate, saying that we are now {$2200.00} overdue in our mortgage payment. We are not overdue. Every payment has been paid on time and for the new amount. I have called TCF and they do nothing to rectify the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: RoundPoint Mortgage Servicing LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For over 20 month I was unemployed and I was behind with my mortgage. Original mortgage servicer was XXXX XXXX XXXX and the mortgage was transferred to Poundpoint Mortgage. 
XX/XX/XXXX I received a trial modification plan. 
I paid the trial plan on time XX/XX/XXXX when mortgage was modified. 
In accordance with Making Home Affordable program if the mortgage is modified the late payments shall be removed from the Credit Reports. 
Roundpoint Mortgage is still reporting my mortgage delinquent impairing my credit score and preventing me from getting credit. 
Roundpoint Mortgage is violating the clients wrights see the link below for victims XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
XXXX/Ohio. Called CheckSmart to arrange payments BEFORE loan in default ( due to legal situation, court with ex, etc ). Advised to default on loan, then I was told they would call me and I could make payments for a duration of 45 days. I did as they instructed me to. I defaulted, and awaited a call. However ; I did not receive a call and they debited my bank account for the full amount due causing me to go negative {$500.00} and we 're looking at {$300.00} in overdraft fees since I already set up my account to automatically send checks on my other bills. Called CheckSmart default loan/department and was basically laughed at by a worker then a " manager '' as it says in my contract they can debit my account. HOWEVER - they instructed me to go to the store and reloan as the best result since THEY did not keep our agreement. Had they told me they would debit my account, I would have tried to find a way around defaulting. I was trying to do the right thing since I am in a legal bind and paying a lot of money to my attorney to fight for me in court. This really set me back by far. Now not only am I out this money, I 'm out a lot more in fees and frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a account on my report that I've never applied for or received service so its fraud. My name is also spelled incorrectly on my XXXX report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have a account on my report that I've never applied for or received service so its fraud. My name is also spelled incorrectly on my XXXX 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 2021-08-25
Company: Experian Information Solutions Inc.
State: NY
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:
Several Unauthorized Inquiries Appeared on my consumer 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 explanation
Consumer complaint received 2019-10-20
Company: EQUIFAX, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On attached XX/XX/2019 Equifax XXXX Credit report XXXX Equifax represents on page 7 that it has in its possession my signature opening these accounts. It is respectfully requested that Equifax and XXXX XXXX/XXXX email a truth verified copy of this signature to XXXX or remove XXXX XXXX/XXXX from my attached page 13 credit report. 

Equifax additionally represents on page 7/8 that it has in its possession my signature opening this account. It is respectfully requested that Equifax and XXXX XXXX/XXXX email a truth verified copy of this signature to XXXX or remove XXXX XXXX from my attached page 13 credit report. 

Equifax please email my security freeze PIN to XXXX. 

On Page 15 on account of Equifax FRAUD the XX/XX/19 inquiry must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: GLA Collection Company, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
GLA Collection Service added debts to my credit report in which I had no clue what they were for until I called them. I also called the original creditor, XXXX XXXX in which they refused to give me printouts of the original debts and when they occurred, what the insurance paid ( or if ), stating it was against the law for them to give me that information and that they forwarded everything to GLA. I know that is an outright farce because they are required to keep billing information for no less than ten years. XXXX XXXX also sent me bills for a XXXX XXXX XXXX and at the time I was XXXX XXXX XXXX. They are refusing to cooperate with me and my insurance. My insurance actually sent GLA a letter stating that XXXX is investigating the debts and that GLA needs to " forebear '' any debts until the investigation is complete. 

The address for GLA is : GLA XXXX XXXX XXXXT XXXX XXXX, XXXX XXXX The address for XXXX is : XXXX XXXX BILLING DEPARTMENT XXXX XXXX XXXX XXXX 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 2022-07-11
Company: Experian Information Solutions Inc.
State: NJ
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 XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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