BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I applied for my fist credit card between XXXX XXXX with Capital One. The card that I applied for was the SavorOne Rewards for Students with a promotional rate of 0 % APR for the first 15 months and a {$200.00} bonus statement credit on purchases made in 6 months. When I applied for the exact card, it started that more information was needed to complete my application. I uploaded proof of my ID as request. A few days later I received an email stating that my card has been shipped. Now that I've been using my card, I noticed that I've been charged a APR of 26 % or higher for purchases. I've spoke to a few reps. who escalated my call to the highest department stated who was very unhelpful in resolving my matter. I informed her that I never received anything in the mail, email or during my application stating that I wasn't approved for the promotional offer of 0 % APR for 15 months and a {$200.00} statement credit. She informed me that there's nothing she could do and that she couldn't send me anything stating a wasn't approved for what I applied for. They approved me for a credit limit of {$3000.00} but not the promotions. This isn't fair and I need proof. This is false advertisement and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-16
Company: Commonwealth Financial Systems, 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: Information belongs to someone else

Complaint:
I received notification from a few of my Credit morning service that Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX had added something negative to my report for {$67.00}, with a open date of XX/XX/2019, I have never received anything from this company, they are fraudulently reporting accounts that does not belong to people to collect money. The account does not belong to me. I have never received anything from anyone saying I owed {$67.00} for anything. I called commonwealth and they advised me of the alleged company that reported this, I called that company and they informed me that they do not have any accounts past due or current, also even if an account was sent to collections it would still show in their system. This should not be on my report, and should be removed! Commonwealth Financial does not licensed in the state of Florida and have no right to even collect on any debt in Florida! Please look into this company their reviews by thousands of people they are committing fraud against. Please help me becaus this is not right!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2022-06-21
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage got bought out by Freedom Mortgage Company in XX/XX/XXXX. I called in to make the first payment. Set up the online payment option. Tried to make the payment for XX/XX/XXXX on time and the system didn't take the payment. I had to call in to make the payment in XXXX. I was laid off the first week of XXXX XXXX.I also got XXXX XXXX the first week of XX/XX/XXXX. I tried to make the payment in XXXX and they didn't process the payment. Seeing how I was dealing with XXXX and behind on money I applied for Covid forbearance. I tried to make my payment in XXXX and they didn't process my payment. My brother in law tried to help us get caught up and went to make a {$1000.00} payment on our behalf on XX/XX/XXXX with the mortgage statement I gave him to call up with. They didn't apply the payment. I have been unemployed since XXXX. I tried to call in the beginning of XXXX to make the XXXX payment and see what I can do with the past payments and they told me the whole past due must be paid or I must refinance. I told them it wasn't fault, that I tried to make the payments in XXXX and XXXX and they wouldn't take my payment. They told me it was me or my bank, that it wasn't their fault. I went to my bank and they showed there was never a returned payment or insufficient funds in XXXX or XXXX. There was no proof that Freedom Morgage tried to attain the funds. I never missed a payment in over 7 years living in our home until they bought the mortgage.

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 2022-06-21
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: Information belongs to someone else

Complaint:
XXXX XXXX {$6000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: MORGAN STANLEY & CO. LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Below is the letter I sent to my bank, ETrade. I have received no response. 


E*Trade Customer Service , I was a victim of a condo rental scam in XXXX. After making a {$600.00} deposit to secure the rental for a business trip, I was pressured to deviate from the agreement and pay the entire balance ( {$1200.00} ) before checking-in. The landlord aggressively attempted to collect an additional {$400.00} ( see text messages PDF ), but I refused because it was not a part of the agreement ( see email PDF ). The text messages from the landlord were suspicious and confusing. I chose to cancel the reservation. 

I made several attempts to get a refund by calling him, but he did not answer nor return my calls. I spoke to the front desk staff where the condo unit was located but they had no record of my reservation. I made the deposit via XXXX XXXX  but unfortunately after a formal inquiry, the XXXX support team could not reverse or refund the payment that I made ( see inquiry PDF ). I notified the law enforcement authorities in XXXX ( where the condo was located ) but beyond that, there was nothing more they could do. 

Im writing because Ive had several conversations with customer services representatives at E*Trade. I was promised that I would receive an e-mail or form in the mail that I would fill-out and forward back to start the investigation. Ive waited for months and still have not received anything. 

This is my final attempt at resolving this issue before I file a complaint with the FDIC. I also have been waiting months for a replacement debit card ( account ending in XXXX ). Every time I speak to a representative, I receive the same response were very sorry and/or well send it in the mail right away. Each time I would get a different timeframe on when I should expect a letter from them ( i.e. 7-10 days, or 10-20 days, or 3-5 days ). I have been an account holder for many years and this awful display of customer service and lack of integrity/responsiveness is deeply disappointing, unprofessional, and simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Dovenmuehle Mortgage, Inc.
State: CO
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 DovenMuehXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 in the amount of {$1300.00}, has violated my rights. 

15USC 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 may not treat a payment under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: NY
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 XXXX XXXX, has violated my rights. 15 USC 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 permission

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: DE
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:
EQUIFAX IS REPORTING A LATE PAYMENT FOR MY CREDIT CARD WITH XXXX XXXX XXXX  FOR XX/XX/2022. I HAVE NOT MISSED A PAYMENT AND NO OTHER CREDIT BUREUA IS REPORTING THIS LATE PAYMENT BUT EQUIFAX. 

AFTER SEEING THIS LATE PAYMENT I CONTACTED XXXX XXXX. THEY EXPLAINED THAT THIS WAS A BILLING ERROR ON THEIR END AND THEY CORRECTED THIS ISSUE AND ISSES A REFUND FOR THE FEE. I HAVE ATTACHED PROOF THIS LATE PAYMENT IS AN ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XXXX of 2021 i received four check from the social security office an m & t decieced two help them self with so much of my money like XXXX of its an i want its back. this is the second time they stole my money. 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 2022-06-21
Company: Global Lending Services LLC
State: PA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Good Morning! 
The reason why I'm sending this complaint is that my bank has just closed my bank account and I will not have access to it. The reason for this was a few weeks ago I was a Victim of a scam, a person told me he was gon na pay me {$2500.00} if he could use one of my posts on XXXX to make a painting/Mural, I said that to was fine because the account looked very legit, he sent me two checks one for {$500.00} and another one for {$1000.00} I deposited to my account and the next day the money was on my account, he then started threatening me telling me to send money to this person or else my account was gon na be on negative, because I was extremely scared I sent the money to two people he told me to send it to, after that he sent me another check fro XXXX dollars and told me to deposit it, once he told me that I didn't want to deposti it so I said no because I realize he was a scammer, so then he deleted the check from my bank account and then my account turn to negative and he told me if I want to get my money back I needed to deposit that check, so I did deposit it than the bank emailed me saying that those checks were false, so I block the person number and I tried to make some claims to the bank but since the transitions were complete they couldn't give my money back, after that a week later they sent me a letter saying they are closing my account because of the false checks, and I am really worry because 1- i lost all my money, 2- i have a lot of bills i have to pay and i tried to deposit money to my account so it wont be on negative but i couldn't because i do not have access to my account and all i want is to recover my account so i could be able to pay for my bills and i do not have any financial problems in the future. i ended up losing {$1900.00} dollars which were what i was gon na use to pay for my college books and tuition, but I was the victim of scammed and i lost everything.

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 2022-06-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I submitted a credit card payment to XXXX XXXX XXXX 

XXXX days later, I payment wasn't processed so I sent an additional payment on XX/XX/XXXX. That payment was processed and debited out of my account. A few weeks later in XXXX, I found out both payments made in XXXX were refunded to my checking account due to a system processing issue within the company. 

I went to the bank branch and spent numerous hours trying to figure out why, and no employee of the bank could identify the system issue. The bank then continued to contact me saying that my payment was late, yet I have never missed a payment on this XXXX year account, and it was my oldest account which I kept in good standing since XXXX. 

I made anothey payment on XX/XX/XXXX and the representative said they'd be able to re-open the account since I have been a good customer for XXXX  years, and I have a business and personal account as well as a travel card with XXXX XXXX XXXX 

The account was never re-opened and now it not only reflects as a late payment account, but it was unprofessionally closed with no explanation, clarity, or investigation, and now impacting my credit history an credit score. 

in accordance with the Fair Credit Reporting act XXXX 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

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 2022-08-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
on XX/XX/2022 I deposited a payroll check via mobile check deposit with huntington bank to checking account ending in XXXX for the amount of {$1300.00}. this account already had a XXXX  XXXX dollars deposited and spent. huntington bank deposited and released {$880.00} but kept a blanket hold on my account refusing me online access thereby skirting the law regarding payroll deposits and holds upon contacting them they informed me there was nothing they could do and a XXXX XXXX XXXX  attitude. This is unfair practice in bad faith and they are certainly doing it en masse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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