BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a credit card on my credit report from Capital One. I have never opened a credit card before- I have only used a debit card from XXXX and one in the past from XXXX XXXX . The card was supposedly opened on XX/XX/2018 and closed on XX/XX/2018. It supposedly had a limit of {$300.00} and has an unpaid balance of {$450.00}. Apparently a payment was made on it on XX/XX/2018. This credit card is not mine and has negatively affected my credit report and has also made it difficult for me to join the military. I have disputed the card on my credit report several times and it still has not been removed. I had no idea the card existed until a year or so ago I noticed an email from XXXX XXXX about the card. I have no past emails or contact from Capital One about the card so the information is under somebody else most likely.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filed a complaint with CFPB back in XX/XX/XXXX Against my current mortgage lender. The company in question New Rez LLC. has rejected my application for a refinance once again. My original complaint # is XXXX. Please help me get out of my adjustable Rate mortgage and into a fixed rate mortgage with this company so I don't lose my home. They are my current mortgager and are not working with me to keep my home. I've been trying to get a fixed rate mortgage with them since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: CITIBANK, N.A.
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:
Hi there. I have an account with citi bank it is overdrawn and past due. I've reached out to Citi to come to a settlement agreement or have a minimum payment. They have told me that I have to pay the full balance. I haven't received a statement in 3 months. Now unfortunately I checked my credit and noticed that citi has reported that I MISSED a payment of {$48.00}. Had they told me or issue my statement showing that my minimum the minimum is {$48.00} I would've been able to cover this cost. Which is what I've been asking for. I even tried finding out my minimum on the app and it displays the same information they've given over the phone. 
They have reported information to my credit that was not reported to me. How can I make a minimum if I'm unaware of what it is. At all time they were trying to get the full balance all at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am on XXXX XXXX, my mother 's Santander Checking account to help her manage her finances. I opened my mail Thursday and read a letter dated XXXX from XXXX , her utility company, that said her bank account was frozen and payment had been returned. 

I went online and saw beginning XXXX XXXX that checks I've arranged to have automatic payment had a note " Forced check payment ''. 

I called the bank and was told that a man had called in XX/XX/XXXX asking questions about my mother 's account, so they froze the account. I appreciate the fraud department taking action to protect my mother 's finances. 

My concern is we were not notified that the account was frozen. No one called my mother or sent a letter explaining this. The person I spoke with in the fraud department said the bank does not inform the customer. It is the customer 's responsibility to call the bank. 

I asked her to check this policy since it does not make sense to me that someone would call their bank if they do not even know their account has been frozen or there was a fraud alert. I pointed out that credit card companies always inform you - why wouldn't the bank? 

Now I'm told I need to bring my XXXX year-old mother to the bank to open a new account and I need to contact at least 10 different providers that I have arranged to be on automatic payment to transfer to this new account. 

My frustration is that we were not notified of the fraud alert and that the account was frozen. 

I hope you can encourage the bank to contact customers whose accounts have been jeopardized by mail. 

Thank you for your support, XXXX XXXX on behalf of 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 2020-04-21
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I got a letter from the president of the bank vice president and then things were rectified and I no longer hold the money that they said I over then when I used my refunded money back they didn't clear out all the overdraft fees and left like a {$34.00} or some small fee on my checking account it began to grow and swell to {$57.00} or more I don't like tactics like this and I want to close my account and I feel like I'm being charged with an undisclosed hidden fee for closing my account I got a letter from XXXX XXXX Senior vice president XX/XX/XXXX XX/XX/XXXX I'm sorry 2020 I was giving a credit of XXXX on account ending XXXX yet the resolution transaction dispute good newsletter case was approved became an additional hidden about that led to an overdraft fee right now which is the subject of this complaining the reason why I'm closing my my checking account asking to waving the {$54.00} that you're charging my account under the rest you're running my business away and that is why I've contacted you to end our relationship it's unfortunate but you know I can't keep looking over my shoulders for hidden fees and cost address of communication with some XXXX XXXX lady that I do not know

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Experian Information Solutions Inc.
State: TN
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 pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: TN
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 pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completedXX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: EQUIFAX, INC.
State: TN
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:
Please confirm with IRS this is my last XXXX for employment. I was laid off on X/XX/2009. The Social Security Administration have this information on file with my social security number. My employer was XXXX XXXX XXXX XXXX XXXX. Their ein number is on the 2009 XXXX I sent in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Please investigate my late father social security number. It have been used since XX/XX/XXXX, even though he have been XXXX since 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 2022-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 was a victim of Identity Theft. On XX/XX/2021 I have submitted my Federal Trade Commission Report to all three major bureaus ( XXXX, Transunion, XXXX ) to further confirm my status as a Victim of Identity Theft that was caused due to the XXXX DATA BREACH. 
This has caused a lot of headaches to my livelihood and not being able to properly use my credit when needed. I have been denied access to loans, credit, mortgages as a result of this.

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 2020-01-02
Company: EQUIFAX, INC.
State: NY
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:
Equifax has sent me more than 3 times in writing that a item cis information was deleted. I have attempted more than 20 times to have it removed with a incorrect address. The address updated recently after a threat to the XXXX. The inquiry still remains even tho they claim its been deleted. They apologise over the phone every sentence but the information remains in there data bass and on there web site page showing the information remains

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i recently learned that my identity had been stolen, and someone, had been using my personal information, without my consent. Ive never lived at such addresses on my report, XXXX XXXX XXXX XXXX, XXXX, md XXXX XXXX XXXX, XXXX texas, XXXX cromwell, XXXX texas, XXXX XXXX XXXX XXXX XXXX texas, XXXX XXXX ct, XXXX texas, and XXXX XXXX XXXX XXXX XXXX texas. ive detailed to the credit bureaus, about this information, creditors likke, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, these companies, i have no relations with, and have never beneffitted from their services. i have written the credit bureaus, asking them to remove this erroneous information, and to date have recieved nothing back from them. i have never given the credit bureaus my cosent, to place any of these, creditors information on my personal credit file. i need my good credit, badly as i am a full time caregiver for my mom, can anyone please help me.

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 2021-10-04
Company: AMERICAN HONDA FINANCE CORP
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
They took my car after 2 months behind after understanding my bank closed and I had no idea that the payments was coming from a closed account even after I updated it. They are telling me they will not refinance me all I can do is buy the car out I just had a baby I was also just in a car accident do to a drunk driver that speed away. I explained all this and they still told me no.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$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 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
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:
I have 2 credit cards that are inaccurately not reporting positive history on my credit report. This is negatively impacting my score as I currently do not have positive payment history and new accounts to create a credit score. I am requesting the following accounts to be updated and reflected on to my credit report : 1. XXXX XXXX XXXX card opened XX/XX/22 for {$200.00} with Exceptional payment history that is not reporting. 
2.XXXX XXXX XXXX  card opened XX/XX/22 for {$200.00} with exceptional payment history that is not reporting.

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 2021-03-24
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.

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 2020-06-21
Company: CREDIT ACCEPTANCE CORPORATION
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased a XXXX used vehicle from XXXX XXXX of XXXX XXXX XXXX, in Arkansas. On XX/XX/XXXX. I was really desperate to purchase another vehicle because my current one ( XXXX XXXX XXXX ) at the time was breaking down. I was only receiving an XXXX XXXX check monthly and didnt know alot about financing, interest rate, APR and got fast talked into buying a used car with XXXX miles bad tires and axles for {$27000.00} dollars. I am involved in what I believe is called 'The Rule of XXXX ' a Debt Trap. The Rule of XXXX which is a financing method that allocates pre-calculated interest charges that favor the lender over the borrower. This financing practice is highly controversial and in XXXX, was outlawed in the United States for loans longer than 61 months. Well I was financed for 63 months using this same pre calculated method.

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 2021-07-22
Company: SYNCHRONY FINANCIAL
State: TX
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:
Synchrony Card was charged for Ashley furniture that I never received. Ashley stated that they sent the cancellation to Synchrony, but Synchrony is still billing me for it. It was for a Love seat and Sofa totaling {$1700.00}. I have reached out to Synchrony several times including disputes. I have also reached out to Ashley furniture. At Ashley, my contact was XXXX. I have been trying to get this resolved for over a year.

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 2022-05-04
Company: The Bureaus, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
THE BUREAUS INC. has been furnishing reports and making claims furnishing and sharing information about me without my written consent, permission or authority. These acts are depriving me of my God given right to life, privacy, right to be left alone and my right to the pursuit of happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My complaint is with Fifth Third Bank. On XX/XX/XXXX I talked with my personal banker XXXX XXXX about the interest being earned on our money market account and was told the rate would increase to 1.1 %. By XX/XX/XXXX, the rate still had not been increased, so talked to another personal banks, XXXX XXXX. Well, in XXXX the rate was increased, but I was not credited with the back interest we should have earned from XXXX XXXX My complaint is that we want Fifth Third Bank to honor their word and credit us with the interest we should have earned. XXXX XXXX phone number is XXXX and XXXX XXXX number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to get a credit increase with Apple Card/Goldman Sachs , until about two weeks ago I had a fraud alert on my credit report/ which has been since removed for about two weeks now on all three credit Buearu sites. When applied to get the card i had a fraud alert, my 1 st increase fraud alert. Since removing the fraud alert, I have applied about 4 times and I always get a response that they couldnt approve me due to the fraud alert, and that they have tried to reach me, which is untrue, I have called reps talked to supervisor s, open up complaint case and have been given my contact number and times available to talk do to the time difference. 
When I received a call out side of the time I am available, the close the case and I have to request another complaint. 

I have asked when they pull the credit is it current and a update, no one can answer the questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: EQUIFAX, INC.
State: GA
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:
I have been trying to get my score and report from Equifax I have mailed and faxed everything they have asked for and they are continuing to ask me to send the same information to them I didn't have this issue a week ago I have attached my driver license to this complaint

Company response to consumer: Closed with explanation