BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: Selene Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was sold to Selene Finance in XXXX. We had a payment returned and since then they will not accept any payments that are not verified while continuing to charge late fees. I do not have access to my online account due to the returned payment. I have requested several times to have the verified funds requirement lifted and I keep getting " its getting reviewed ''. I asked how they can change aspects of my original loan ( payments, late fees, and required payment types ) and the response is its our company policy. I have stated that this is the first time that anything like this has changed with a new servicer their response is " Its our company policy ''. Last Friday I was yelled at and hung up on twice by the same customer service rep. Can they change items in my original loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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:
I have been a victim of identity theft and someone stole my information to get credit. My credit is taking huge hit because of this I need professional help to get it back to what it was. I am asking for your help so you can investigate and see it was not me and get the credit bureaus to help as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: Siggi LLC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I just received a text message from my mother about Omni Financial contacting her about my debt. She wrote in a text messgae with their phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I got a call regarding {$150.00} debt from XXXX for terminating the contract. They have incorrect address and incorrect contract dates. I had completed 2 years of the initial contract, after which it goes in to month-by-month contract. I terminated after nearly 2 years and 4 months. However Debt Collection Company claims there is a termination fee because it automatically renews the contract. I do not believe that is correct as per initial contract, I asked them to send me a copy of Contract that I signed so that I can verify. Neither Debt Collector or XXXX has this. I explained this once but I got another call to collect full amount ignoring previous discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was appointed the executor of my mother 's estate. I received a new JCPenney credit card in her name. On XX/XX/2017, I called the credit card phone # and was forwarded to Synchrony Bank 's probate department at XXXX. I informed them that my Mom is deceased and requested a letter confirming that the account was closed and no purchases will be accepted. I was told I would have to call back in 30 to 90 days to request such a letter. I asked to talk to a supervisor, but XXXX returned and said the supervisor said I would have to call again in 30 to 90 days to request a confirmation letter. 
I checked the XXXX on and internet search and found it associated with this company : XXXX . 
XXXX XXXX XXXX XXXX, PA XXXX On the phone call they called themselves Synchrony Bank. I provided the last 4 digits of my Mom 's social security number thinking I was talking to a bank.

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 2022-04-11
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2020 I called AT & T to get service for my new apartment on a recorded line and was informed that I already had an account with them. I inquired as to when, where, what and how. The representative informed me that the address was an apartment on XXXX XXXX XXXX ( that I was not associated with ). I informed them that I never resided there and wanted the service terminated. I requested to speak with a manager to ask how they allowed someone to open an account and get service installed without my knowledge or consent. I was told that there was nothing that could be done. 

Now today I received a notification that I owe {$2500.00} for that fraudulent account. I would like this debt cancelled and not reported to my credit report as this was identity theft and can be confirmed by listening to the recorded call with AT & T.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have 3 accounts with American Express that were included in a debt consolidation agreement with my now ex-husband in XX/XX/2019. ( See attached debt consolidation agreement ). Amex marks these 3 accounts as late in XXXX of 2019 despite being part of the debt consolidation agreement ( once the agreement is signed, which is was on XX/XX/XXXX, it's out of our hands and the debt consolidation company takes over ). The payments were not late as they were all done through the debt consolidation agreement, and the payment plan has now been completed TWO YEARS AHEAD OF SCHEDULE, so it's very obvious that we weren't shirking our responsibilities, we paid everything on time and even several years early, yet it's still showing late payments in 2019 when they were under the debt consolidation agreement. I disputed it with XXXX and XXXX, and Amex replied to XXXX that they had updated the account, but it hasn't happened, the payments are still showing as late, and with XXXX Amex said the accounts were correct as reported so no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND
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:
MADE ORDER ON XX/XX/2020 - 2 CHARGES, ONE FOR {$6.00} AND ONE FOR {$6.00}. ON XX/XX/2020, I EMAILED THE MERCHANT AND CANCELLED THE PURCHASE, CANCELLATION # XXXX RESPONDED BY TELLING ME MY ACCOUNT WAS CLOSED AND I WOULD NO LONGER RECEIVED ANYTHING NOR WOULD I BE BILLED ANY FURTHER, THEN ON XXXX XXXX NOTICED AN UNAUTHORIZED CHARGE IN THE AMOUNT OF {$91.00} CALLED CAPITAL ONE IMMEDIATELY TO DISPUTE. XX/XX/2020 - NOTCIED ANOTHER CHARGE FROM SAME MERCHANT IN THE AMOUNT OF {$91.00}, CALLED CAPITAL ONE AND DISPUTED CHARGES. XX/XX/2020, AFTER HEARING VIA EMAIL FROM CAPITAL ONE THAT MY DISPUTES WERE BOTH DENIED I CALLED ON XX/XX/2020 AND THE REP I TALKED TO SAID THAT SHE WAS GOING TO MOVE MY CASE TO ESCULATION, I WAITED AND NEVER HEARD BACK FROM ANYONE WITH CAPITAL ONE, SO I CALLED AGAIN ON XX/XX/2020 AND TALKED TO XXXX WHO PUT ME ON HOLD TO TALK WITH HER SUPERVISOR AND CAME BACK TO TELL ME THAT MY CASE WAS NEVER ORGINALLY PUT INTO ESCULATION AND THAT SHE WOULD BE DOING THIS THAT DAY. THE SUPERVISER SHE TALKED TO HOWEVER TOLD HER THAT THE PAPERWORK THE MERCHANT SENT THEM SHOWED THAT I NEVER CANCELLED THE ORDER UNTIL XX/XX/2020 WHICH IS NOT TRUE. THE PAPERWORK I HAVE SHOWS THAT I CANCELLED ON XX/XX/2020. THE PAPERWORK WAS DATED XX/XX/2020 AND I THINK THIS IS WHY THEY ARE TRYING TO SAY THAT I NEVER CANCELLED UNTIL XX/XX/2020 WHICH IS AN UNTRUE STATEMNT. 
CAPITAL ONE HAS DENIED MY DISPUTE AGAIN ON XX/XX/2020 THEY STATED THAT THEY DID NOT FIND ANY ERRORS. I FIND THAT HARD TO BELIEVE BECAUSE IN THE PAPERWORK I HAVE ON PAGE 3 IT SHOWS THAT I CANCELLED ON XX/XX/2020 AND THE MERCHANT STATED I WOULD NOT BE BILLED ANYTHING FURTHER. IT CLEARLY SHOWS THAT I WAS BILLED AGAIN TWICE AFTER THEY ALREADY AGREED NOT TO BILL ME FURTHER. CAPITAL ONE IS STILL DENYING MY DISPUTE. 
THE CLAIM NUMBER FOR EACH IS AS FOLLOWS : XXXX {$85.00} AND THE OTHER ONE IS CLAIM # XXXX {$91.00}. THE ONLY CHARGE I SHOULD HAVE BEEN CHARGED BY THIS COMPANY ARE THE 2 I AGREED TO 1 FOR XXXX AND THE OTHER WAS FOR XXXX ON XX/XX/2020 ALL OTHER CHARGES WERE NOT AUTHORIZED BY ME AND I HAVE TOLD THIS TO CAPITAL ONE. 
IM VERY FRUSTRATED AT THIS POINT BECAUSE THIS IS XXXX TAKEN FROM ME AND DURING THIS PANDEMIC THIS IS MONEY THAT I NEED TO LIVE OFF OF AND CAPITAL ONE WILL NOT CARE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Unverified and unauthorized accounts and inquiries appear on 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 explanation
Consumer complaint received 2022-04-11
Company: Bread Financial Holdings, Inc.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, I submit an application to open a savings account through Comenity direct. I was intrigued by the rates and I was in the market for low risk investments. I went through the application and made an ach transfer from my primary XXXX XXXX The next day, I received an email giving instructions on how to log in to my account-I was not provided an account number. 
After some research, I discovered that many people had issues with customer service being unavailable and issues with transfers. I decided to open a savings account with a more well known bank and close my account with Comenity direct. I called them on Sunday, XX/XX/XXXX and the representative confirmed that she put in a request to close my account and have my deposit transferred back to my original account. I checked my primary XXXX account the next day and my funds had been successfully transferred to Comenity direct. I decided to call again XX/XX/XXXX, to check on the status of my account and transfer. I was hung up on a couple times while being on hold and I finally was able to get a hold of someone, only to have her confirm that the account was closed and that the transfer had been initiated and would take XXXX business days. She also confirmed that I would receive an email confirming my account would be closed. I waited until XXXX XX/XX/XXXX, and I still had no email and my money was still not back in my account. I decided to see if I could access my account and transfer the funds on my own so I called again on XXXX  and the representative, XXXX informed me my account was open and active. I accessed my account for the first time after receiving an account number from her and saw that my {$1500.00} that I had transferred was still in the account. Nothing had been done by any of the representatives I spoke with. I decided to transfer the money by myself and attempted to add my XXXX account. Per usual processes, I was told I had to confirm my account by reporting the small deposits Comenity made to my XXXX account. No deposits were made and today ( XX/XX/XXXX ) after checking, I am now unable to add any external bank to my account. I have no means to get my money back as the only account I can add is another comenity account and customer service has been very unhelpful as they have not done what I requested. I was told by 2 representatives that my account would be closed and my money retransferred and the third representative tells me my account is open and active. I have utilized their chat system and their automated response informs me that someone will reach out within 1-3 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I made two payments to Capital One and those payments were debited from someone else 's checking account. I called to ask when this account was added to my account. They could not tell me. This checking account did not belong to me. There has never been a record of my account being paid from this account. Yet they could not provide me with an answer of why my payment had been taken from this account. This in my opinion is some type of fraudulent transactions on my account, yet they could tell me nothing. Their only solution was to credit the account the money had been taken from by " mistake '' and then debit from my original checking account that has always been used to make payments from. They suggested that I change my login information. I only hope the person whose account was mistakenly withdrawn from did not suffer any hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have paid XXXX ins. 1 month in advance since XXXX. STARTING in minnesota. I never heard of these clowns trying to collect/steal money NEVER owed. Outrageous stupidity, petty greed here. I told them to cancel my policy XXXX XXXX. My car was repossed XXXX XXXX XXXX. These clowns at this collection agency do n't know what there doing or what there trying to collect!!!! I do n't owe XXXX a XXXX dime. They owe me my 1 month in advance and/or any arbitrary fees for cancellation refund goes to me. Instead these XXXX insult my intelligence send this to a collection agency for {$88.00} ( {$10.00} ) of that is a fraudulent fee charged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is tied into complaint XXXX that was already filed. 

On XX/XX/XXXX I reported I received a credit card that I did not request. I reported the card to XXXX XXXX as fraud and identity theft. They stated the account was cancelled. 

Today XX/XX/XXXX I received XXXX different letters from XXXX XXXX that they closed XXXX other accounts that were opened in my name. I did call and the fraud department confirmed XXXX other accounts were flagged and closed. 

I have fraud/identity theft alerts with all agencies. I also have this with XXXX XXXX How were they able to open this many accounts and not be flagged? I received no contact from any of the agencies to authorize these account nor did I receive notice that these accounts were opened until I received the fraudulent card.

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 2022-09-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is tied into complaint XXXX that was already filed. 

On XX/XX/XXXX I reported I received a credit card that I did not request. I reported the card to XXXX XXXX as fraud and identity theft. They stated the account was cancelled. 

Today XX/XX/XXXX I received XXXX different letters from XXXX XXXX that they closed XXXX other accounts that were opened in my name. I did call and the fraud department confirmed XXXX other accounts were flagged and closed. 

I have fraud/identity theft alerts with all agencies. I also have this with XXXX XXXX How were they able to open this many accounts and not be flagged? I received no contact from any of the agencies to authorize these account nor did I receive notice that these accounts were opened until I received the fraudulent card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
The company has reported a late pay on my credit report which inaccurate. I have never paid late mainly because I pay off entire balance on or before due date. I have asked for proof of a late payment and the company 's representatives have failed to show any proof. This is a clear violation of the 15 USC 1692 and 15 USC 1681. This inaccurate reporting is injuring me financially and has caused me to get outside counseling.

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 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 is reporting a late payment ony credit file on an open account and they can not do so. TRANSUNION should not be allowed to report it. 15 U.S.C 1666 B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Also XXXX account is reporting errors on my Transunion credit file as well such as past due, last reported, date last active, and date of last payment. 
15 U.S.C SECTION 602 A states that I have the right to privacy. Also 15 U.S.C SECTION 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction

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 2019-11-30
Company: Santander Consumer USA Holdings Inc.
State: WA
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:
On XX/XX/XXXX I called Santander Consumer USA regarding my auto loan. There was incorrect information being reported to the credit bureaus. It showed that I was 30 days delinquent on my auto loan when I was not. I spoke to a representative and she acknowledged the incorrect reporting and stated she would be submitting a ticket to fix the reporting error. She indicated it would be resolved in three business days. 

It is now XX/XX/XXXX and the reporting has not changed. I called in again and the representative said that all they did was waive my late fee but no ticket was submitted to fix the incorrect negative reporting. They stated there was nothing they could do on their end to fix the issue and that the original representative had given me incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a summons to go to court. 
I had never received a letter for this until after i was served with the lawsuit. I couldnt even dispute this. 
I have lived in my home for almost 10 years. 
I went to court and told them that i was the only person working in my family and it was a part time that i had started a couple of days ago. I have XXXX minor children and my husband is a military veteran in the process of applying for XXXX. I told them i could pay {$10.00} until i get back on my feet and they said no that they would not accept that. 
I dont understand XXXX well and my husband was not with me in court. They tricked me and said the only thing i could do is agree to a consent to a judgment which i didnt even understand what that was until i searched it in the internet. 
They tricked me just because i was scared. Now my home will have a lien on it because they didnt tell me what a judgment was, they just made me sign my name and told me that was the only thing i could do. I do not agree with this judgment.

Company response to consumer: Closed with explanation