BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: CAINE & WEINER COMPANY, INC.
State: SC
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:
XXXX is inaccurately reporting that I owe {$110.00} for a auto insurance after being a loyal paying customer for over XXXX  years. In XX/XX/2022, I switched insurance from XXXX to XXXX XXXX because XXXX has very poor customer service. XXXX violated by consumer protection rights by continuing to bill me even though I provided proof of insurance showing I was insured by XXXX XXXX as of XX/XX/2022. XXXX owes me a credit in the access of {$40.00} and never paid me. 

In XX/XX/2022, I received a letter from Caine & Weiner indicating I owed a debt. The debt collection company did not adhere to FCRA regulations and violated my consumer rights by failing to send me a 30 notice letter. In XX/XX/2022, received adverse credit reporting which dropped my score. I am in the process of buying house and my credit has been impacted even though I provided XXXX with my insurance Declaration Page three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: IN
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 found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Huntington bank closed my account because in the past I've had issues with an account t there, which is fine and I understand that. I was told they were going to send me a check in the mail months ago or i could go into the bank and get it. Sometime around XXXX I believe. I've been waiting for the check. The money is still in the account though so I went to the bank today to just get the money pit and NOW they tell me I owe them XXXX XXXX on an old account and would not let me take any of the cash out that's in there. I have over XXXX in there and on an XXXX XXXX balance and they would not let me take out ANY of my money saying I have to wait for them to take out the XXXXXXXX XXXX and send me the rest of what's in there. I understand why they felt I was risk and needed to close the account but not giving me ANY of my money over XXXX XXXX is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have already reached out to Bank of America National Association I was told by XXXX a supervisor in funding they have completed the performance on XXXX. 
Performance transferring the principal to the principal account for the principal. Federal Reserve Act Section 16. Note Issues The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank. 
Misleading representation and hiding that disclosure.

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 2023-08-01
Company: TRUIST FINANCIAL CORPORATION
State: WA
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:
My credit report shows an inquiry on XX/XX/2023 from Regional Acceptance. I have disputed the inquiry twice prior to this and the company claims there is no inquiry on my report. They have requested my credit report to further investigate although I provided a screen shot from XXXX of the inquiry. The inquiry remains on my report. I never requested credit from this company, nor did I allow permission to this company or any other to obtain information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-13
Company: Affirm Holdings, Inc
State: MI
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, I made a purchase of an item on XXXX, using the credit service Affirm.com. My total was {$1900.00} after credit fees, and that was that. Nearly a month goes by, and I have the XXXX tracking information, and I do notice it is coming from XXXX, and that it also is set to not require signature on delivery. The so called " delivery date '' comes and goes, the item is not present, and my security cameras at my home do not catch it being delivered. I file a complaint/lost package report with XXXX  and they actually call me the next day to let me know that their driver admitted fault, and delivered it to the wrong address, ( and I have the voicemail from their office regarding this claim ) and that they would attempt to retrieve the item from the wrong address and attempt to redeliver It to the correct address, asking for a bit of time to get this resolved. I waited and waited, called a few more times, filed a lost package report with both XXXX and XXXX this time, and simply received the run around from them both for about a month, so I reached out to Affirm, filing a fraud claim on this charge. I gave them all of the relevant info, including the info from XXXX, and they also gave me the runaround, to the tune of about 8 months, to which in XXXX I reached out again, as my account was several months past due, but they had not charged it off yet. When I reached out in XXXX, they told me they would no longer assist me, and informed me it would be getting charged off, and to contact the debt collector in regards to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX XXXX Orginal Creditor : XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount Paid : {$610.00} Payment Date : XX/XX/XXXX I called into XXXX XXXX on XX/XX/XXXX to agree to pay to delete off my credit report. I spoke with XXXX XXXX XXXX he advised me that if I can off my account this will be removed from my credit report. I filed a dispute with XXXX and the dispute came back as updated as information is correct. I called XXXX XX/XX/XXXX to get an update and what is going on with account being deleted off my credit report. Rep advised me that they do not honor the pay to delete off account. I advised that previous rep stated it will be. He transferred me over to supervisor XXXX XXXX and he advised me there is no record of previous rep adving me of that. I asked for the call to be pulled he advised that I needed to call XXXX. I advised that y'all bought the account from XXXX  why would I need to talk to dish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Chime Financial Inc
State: OR
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 XXXX, I disputed a charge of {$44.00} to Chime. I had ordered from XXXX, and was informed by Chime that my card was declined. I then placed another order with a different card, as I assumed the order placed on my Chime card did not go through, but when I went back to the app, I now had two active orders. XXXX refused to cancel either. 
I filed a dispute with Chime on XXXX by phone, followed up by emailed documentation. I consistently followed up for several weeks, but eventually closed my Chime account- my bank informed me that Chime was actually lowering my credit because they won't look at credit built on a prepaid card, nor will most banking institutions. 
On XXXX I followed up, as it had been 270 days since I submitted the dispute. I was told that the dispute had been denied, but was not provided with the documentation for another 5 days. The documentation is undated, and relies entirely upon the response from XXXX. This is a problem because I never claimed the delivery did not show up, what I said is that my card was declined and so the order never should have gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in a forbearance process with my lender and I was making arrangements to do payment options on XX/XX/2023. The lender refused to accept payments saying that they can not release any information to me. They has been no document to support anything they are saying about the account. I have spoken to supervisor of lender and he stated that they will not be able to send anything in writing. I need assistance what I can do to resolve this issue.

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 2023-03-13
Company: GOLDMAN SACHS BANK USA
State: MI
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/22 I received my order from The XXXX XXXX which costed {$210.00}. The order was for 2 live saltwater fish, which were deceased on arrival. I proceeded to file a claim with the merchant and asked them to just resend the order. They did not respond and instead sent a store credit which can only be used at their website. The two fish that I had originally purchased were no longer in stock and I was stuck with the {$210.00} charge. This is when I proceeded with a billing dispute with my Apple Card ( Goldman Sachs ). I sent them all my email transcripts, pictures of the fish, and email with the store credit. They ruled in favor of the merchant the first time and still did after two appeals and talking to a supervisor. I explained to them that the original product I purchased cant be purchased because its out of stock, it still is today, but they rule in favor of the merchant because they refunded me in the form of a gift card that can only be used at their website. There is nothing stopping this merchant from sending damaged goods and then only offering a refund in the form of store credit to be used with them. I told Goldman Sachs this in the latest appeal and today they ruled in favor of the merchant again. I have looked at XXXX website over and over trying to see if the fish were in stock so I could get this dispute over with but they are never in stock.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: SF VAGO, LLC
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: Investigation took more than 30 days

Complaint:
I am writing to dispute a declined bank error late payment on my car loan account with EMVLP , LLC. I have never made a late payment on this loan or any other loan in my credit history. The late payment was caused by a bank error, and I have proof that the payment was made on time. On XX/XX/XXXX of XXXX, I made a payment of {$320.00} to my car loan account. I have attached a copy of my bank statement showing this payment was processed and deducted from my bank account on that date. However, for some reason, EMVLP , LLC did not receive the payment, and as a result, it was marked as late on my account. I immediately contacted EMVLP , LLC to resolve the issue and sent a letter disputing the late payment. However, my dispute was declined, and my credit score has been negatively impacted by their mistake. I have always been a responsible borrower and have maintained a perfect credit score until this incident. I am requesting that EMVLP , LLC remove the late payment from my account and correct my credit report. I have provided proof that the payment was made on time, and I believe that their mistake should not be allowed to damage my credit history. Thank you for your time and assistance in this matter. I look forward to a swift resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear Sir or Madam, This is in regards to the up to {$300.00} travel credit offer when I make purchases with my Venture XXXX  card through Capital One Travel. On XX/XX/XXXX, I purchased the {$170.00} airline tickets via Capital One Travel. The card benefit says that I should see the credit in my account within 7 business days. It's been a month and I haven't received the credit yet. 

I called the bank today and the customer service said that I should see the credit in my account within 7 business days, but it XXXX take up to 2 billing cycles after I make a purchase. I did ask some friends who own the same Capital One Venture XXXX  Cards and they told me that it only took them 2-3 business days to receive the travel credit. It seems there is no consistency in giving the credits to the customers from Capital One. 

I'd like Capital One Venture XXXX  Cards to speed up the process of the travel credit of {$170.00} to my account as they did to other card members. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Spring Oaks Capital, LLC
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, has violated my rights. 

15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Somehow money was sent from my account another account I do not know or havent ever sent anything to. Around 5 charges were sent from XXXX to XXXX to a random person I do not know totaling {$320.00}. I let the bank know but they did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: WELLS FARGO & COMPANY
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, I filed a claim with wells fargo ( XXXX ) against XXXX XXXX for ~ {$170.00} because they charged my card for a subscription AFTER I cancelled my free trial. Wells fargo completed their investigation and credited my account. Months later, they reversed the credit and I called again to confirm the information I had provided about my claim the first time and spoke with a lady who said it would all be taken care of and it was their mistake. They never rectified the charge, so my account was closed.

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 2023-03-13
Company: EQUIFAX, INC.
State: IN
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: DigniFi
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 an account was opened fraudulently with my information with Dignifi web bank. For the past 3 months I have disputed this with credit bureaus as well as made statements with law enforcement. In spite of this, Dignifi has still not removed this fraudulent accout and continues with collection calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I wrote letters to multiply debt collectors XXXX XXXX XXXX, Portfolio Recovery Services, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Citi Bank advertises on their website bonuses they will pay if a " new customer who has never had a Citi account '' There are at least 5 bonuses that pay a bonus when you select which bonus and account a person wants. I choose Citi Priority Checking Account that required me to open and fund the account with $ XXXX. I did that. Over the course of about 90 days give or take a few the balance could never drop below $ XXXX and mine never did. The checking account paid ZERO interest just a bonus. The bonus I am due is {$500.00}. I have called Citi at least 7 times because they have not paid me. After the 100 days past I was free to take my cash and I did.I left {$50.00} in the account because they required the checking to be opened to deposit the bonus. I have spoken with 2 supervisors who walked therough all of the guidelines and both said I should get the bonus. They informed me they could not do anything because bonuses were handled by " Citi back office '' and they don't take calls. Today I asked for someone higher with authority to handle my problem, was told there is no one. Today was told if I did not get the bonus I'm out of luck. I have 2 other friends that the same thing has happened to them. We opened the accounts on the same day. I hope you can help me get my bonus please.

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 2023-08-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
You are in direct violation of the Fair Credit Reporting Act ( XXXX, XXXX XXXX XXXX ) 15 USC 1681 ( a ) Clearly states that I have the right to privacy.

15 USC 1681 ( a ) section 602 Clearly states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B section a creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose Remove these late payments and update this account immediately as you are in direct violation of several laws under the fair credit reporting 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 2023-03-13
Company: Possible Financial Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Possibleff this account in XXXX. They have now illegally reopened the account with current dates which falsely manipulates the statute of limitations. Charge offs are not allowed to have active payment history and can not be opened and closed at the creditors decision. I have also requested verification of debt over 90 days ago to verify orginial signatures and they refuse to process the request. This is illegal and the creditor has no choice but to provide validation of this debt and remove past history as this is a CHARGE off and you can not manipulate the dates.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'm sick of this bank I have proof of these transactions which I would upload I believe they are stealing taken my money you are charged for overdraft fee plus the money XXXX XXXX doy and XXXX was taken out my account where is the overdraft fee XXXX dollars where's the overdraft fee XXXX dollars where's the overdraft fee these are uneven amount I want my money I've complained and complained there should be recording of me calling and complaining and that money they responded with is just a throw off to suppose to satisfy me nope I want my money I opened the the first account in XXXX when it was first Tennessee they told me I didn't I got my first check in XXXX they told me I opened the account in XXXX this bank is full of liars and thieves my current balance never match my available balance I'm fed up where's my CD account

Company response to consumer: Closed with explanation