BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Capital One located in XXXX, VA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Capital One has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citi Bank first notified me that it would close all my bank accounts on XX/XX/2022. I called the number Citi gave me for the reason of account closing, and was told that the decision was made by the branch. I went to the Citi local branch, but the branch has no clue. 

Then Cit closed all my credit accounts on XX/XX/2022 without prior notification. I learned this because I used Citi credit card as my default card to pay online order of medication, and I did not get my medication on time, and then I found out that the card was inactive. 
with prior notification. Citi nullified all my reward cash and points. 

I called Citi multiple times, but they did not explain to me why they closed my accounts. I also asked that Citi reimbues me all my earned reward cash and points, but Citi refused my request. I then wrote to Citi address in their account closing, inquiring the account closing reason. Citi told me that it did not receive my letter. I then contacted Cito executive office. It replied that it had already notified me on XX/XX/2022. I responded by telling it that XX/XX/2022 notice was for banking accounts not for credit accounts. ( Indeed, when I went to Cito branch to close my bank account at the end of XX/XX/2022, the clerk did not mention at all that Citi would close my credit accounts. ) I also attached a copy of letter I sent to the email ( to the Executive office ), asking Cit to send the credit card account closing reason. Citi did not bother to read the attachment, keeping saying that it had already responded to my inquiry. Up to this point, I still don't know the reason that Citi decided to close my credit card accounts.

I ask the following from Citi. ( 1 ) Inform me the reason that it closed my credit card accounts. ( 2 ) Reimburse me the reward cash and points I had earned on my cards.

Citi 's behavior of closing my credit card accounts was unprofessional and even life threatening -- I did not get my medication on time because I did not know in advance that Citi would close my credit card accounts while Citi card was set as a default payment. I wish that CFPB will investigate such behavior.

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act the following accounts have violated my rights per : 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 XX/XX/XXXX XXXX - {$190000.00} - opened XX/XX/XXXX, Last payment - XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX- {$32000.00} - opened XX/XX/XXXX, Last payment- XX/XX/XXXX, Dispute inconsistent dates with other bureaus and length of account. 

XX/XX/XXXX XXXX - Dispute inconsistent dates with other bureaus. 

XX/XX/XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX ) - Dispute inconsistent dates with other bureaus.

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 2022-06-08
Company: EQUIFAX, INC.
State: CA
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 continues to report the attached XXXX XXXX account without a date of last activity. 
Remove account, after verification, the XXXX  is still not reported. That is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Experian keeps sending me emails with no unsubscribe link. I only want their spam to stop filling my mailbox. They always send me things say I qualify for this and that and then if I try to apply I never qualify for them.. even though I was qualified according to experian. Also, they say they will continue using my information after I have nothing to do with them. Experian is bad business. I have some obvious identity theft on my credit report also and nobody will do anything to help with that. Dismantle the entire system of fico which I just found out is the name of a company and also some requirement to do things with the government and even employment? How is this allowed to happen?

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 2022-06-08
Company: EQUIFAX, INC.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: DISCOVER BANK
State: DE
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:
I cancelled my yearly membership with XXXX XXXX before the billing date in XXXX of XXXX. I noticed that despite cancelling that I was still charged. On XX/XX/XXXX I contacted XXXX 's customer service via text and they stated via text that my account was cancelled and that I would receive a credit for {$100.00} on my Discover card within XXXX business days. That did not happen, so I opened up a dispute case with Discover. Discover initially ruled in my favor, but sent me a message a few days ago that they had put the charge back on my card because XXXX disputed. According to Discover, I have no recourse. I have been treated unfairly by both Discover and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022, a final amount of XXXX  was negotiated to pay the account off with Sunrise Credit Service for a collections account owed to XXXX XXXX XXXX XXXX. This amount was negotiated with a credit manager at Sunrise Credit Service through emails which are attached to this complaint. On XX/XX/2022 my husband, XXXX XXXX, spoke to a customer service representative and paid XXXX and arranged for the remaining amount of XXXX to be deducted on XX/XX/2022. The credit XXXX stated in her email that once the final amount was paid the collection would be removed from my credit report. On XX/XX/XXXX, Sunrise Credit didn't deduct the full amount of XXXX, only XXXX. This is their mistake, not ours. 

As required by law, I have tried by good faith to resolve this dispute with the merchant. I have emailed and negotiated a payoff amount, which was paid. I have spoken to customer service representatives at XXXX XXXX XXXX and Sunrise Credit Service to try and resolve 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 explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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 have been disputing several negative elements of my credit for more than 90 days and I have not obtained any result or response from the credit bureaus. I am trying to fix my credit because I want to buy a house, however the bureaus have been very irresponsible with my case.

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been disputing several negative elements of my credit for more than 90 days and I have not obtained any result or response from the credit bureaus. I am trying to fix my credit because I want to buy a house, however the bureaus have been very irresponsible with my case.

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 2022-12-02
Company: AFNI INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AFNI , Inc : trying to collect debts from someone who opened an XXXX XXXX XXXX acct. This account was not opened by me. Reported and disputed as fraud. Unsure the amount charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
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: Problem getting your free annual credit report

Complaint:
I have been unable to obtain my consumer report from Equifax. I called the number as advised and sent the fax with the information requested however as of today I am still unable to obtain my reports. I need my reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Experian Information Solutions Inc.
State: NJ
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 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  year old 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
Consumer complaint received 2022-09-22
Company: Commonwealth Financial Systems, 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:
On XX/XX/XXXX ( per credit monitoring service ), I was notified of a collection account being place on my account in the amount of {$970.00} via Commonwealth Finance. As I researched this collection account that does not belong to me, it was discovered that this was the exact same account that had been removed multiple times previously ( process documented via bureaus in XXXX  CFPB in XXXX  ) due to being fictitious, inaccurate and the inability to verify the identity associated to this account. Not only does the account not belong and the fact that you are reporting inaccurate information on my consumer report, I did not receive ANY notice what so ever prior to reporting this to the consumer credit bureaus, both of which are in direct violation to my consumer rights and FCRA. More importantly, your reckless actions have caused a drop in my XXXX thus causing additional damage. I demand that you remove this account immediately! In the event that you do not remove this fictitious account upon demand, I will take all actions necessary to seek legal action and compensation for said damages which are documented. Your prompt attention to the correction and resolution to this matter is highly recommended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: First Technology Federal Credit Union
State: OR
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:
XXXX XXXX, My wife and I went to First Tech Fed. CU and signed forms to separate our joint accounts. I mentioned that my checking account was setup to pay my wifes credit card if she failed to pay and I wanted that to stop. I was assured by the person helping us that it would stop once the accounts were separate. My wifes credit card was issued by First Tech Fed CU. 
XX/XX/XXXX ( Approximately ), I called First Tech Fed CU to complain about money being drafted from my checking account with no description of who made the draft. I told them that I believed it was going to my estranged wifes credit card with First Tech Fed CU. The person said that it was to pay a credit card but claimed he wasnt able to know what company it was with because the company didnt provide First Tech Fed CU with that information. He assured me it would not happen again. 
XX/XX/XXXX, I called First Tech Fed CU to complain about money being drafted from my checking account with no description of who made the draft. I told them that I believed it was going to my estranged wifes credit card with First Tech Fed CU. I explained everything about what occurred in XX/XX/XXXX, and what occurred in XXXX ( see above ). She assured me that she would get answers and then never got back to me. I noticed several weeks latter that she had sent a message via the First Tech Fed CU message link located on their online banking page. She merely had responded as though it was an inquiry rather than a complaint and only said that it was a draft for a bank card. 
XXXX XXXX Went to First Tech Fed CU and met with XXXX XXXX, a banking associate who took my complaint in person and elevated it to somewhere in the banking system. Then I began to receive emails from XXXX XXXX that included a XXXX XXXX. I looked at the document and in the block that shows the company that made the draft, it only says bank card. Also, it wanted me to agree to pay {$25.00} per transaction other than the latest one. I responded directly to XXXX and made the demand that First Tech Fed CU reveal who took the money and also that I want my money back. I have included a copy of my emails with her. There were nine transactions that I complained about and she sent a XXXX email for each one. Once I responded to her with a demand to know who took the money and that I wanted my money back, she has began to resend the nine Docusign emails on a daily basis as though I had ignored her request and has not responded directly to me or via the online banking message page

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 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This complaint is regarding XXXXXXXX XXXX system outage that has been going on for the last month. I, along with millions of other users, have been trying to make our payments. They claim to have an easy pay system online now, that does not work, and their call centers are also entirely shut down, making pay over phone impossible. No account information is available either, thus unable to see due dates, amount due, interest, etc. One of my accounts with them has already been reported as late- which must be immediately removed, as it is inaccurate reporting as it was by no fault of my own but the companys that I, as so many others, are unable to submit payment. I want action taken and this issue to be resolved promptly. I do not believe my information is safe, nor do I believe they are making any attempt at accurate 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 non-monetary relief
Consumer complaint received 2022-09-22
Company: SN SERVICING CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have the property for sale with an agency, The XXXX XXXX XXXXXXXX in Florida since XXXX. Previously it was with XXXX XXXX XXXX from XX/XX/XXXX to XXXX have had many sale contracts that all get cancelled because the property does not pass inspection. It is now listed cash only, As XXXX, short sale. Up until XX/XX/XXXX, we had someone keeping up with landscape and keeping inside house clean for visits. Then the lender mortgage company, without warning, changed all the locks, broke the side window door and put up some plywood to quick fix. Rain in Florida infiltrated and caused water damage inside house. 
With every sales contract, there is an inspection and appraisal. The lender had these done but won't forward the results to our agent. The last sales contract could not get an appraiser and while revisiting house, noticed all the water damage around the broken window door and cancelled sale. 
Our agent signed another sale contract with closing date set for XXXX XXXX. 
The lender said that if the buyer doesn't have all needed for XXXX AND we have to sign a promissory note of {$17000.00}, the property goes to foreclosure. 
At the moment, it is very difficult to get an XXXX. There is a big difference between their appraisal and ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
TD bank sent me a text message on Tuesday XXXX XXXX alerting Fraud suspicious activity, the text message asked did you attempt {$620.00} at XXXX with card xxx? Reply Yes or No. I replied NO and I got a reply the card was locked and to call the number and open a case, case # XXXX The bank debit/credit card was stolen from my wallet on Tuesday XX/XX/2022 and XXXX transactions were made on Tuesday XX/XX/2022 at XXXX XXXX XXXX XXXX PA one transaction for {$790.00} and the same store again for {$800.00}. I do not live in PA I live in NJ. I never make purchases this large. 
I filed a dispute with my bank that my card was stolen and these were fraudulent charges. The bank investigated and said they believe its not Fraud and will not return my {$1500.00}. 
I have filed a police report with the state of NJ about the stolen credit cards and my bank will still not give me my money back.

Company response to consumer: Closed with explanation