BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
my bank has sold my commercial loan denial to numerous secondary, tertiary, and worse lenders. I do not know if this is legal. can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
I received a text from my bank at XXXX am on XXXX XXXX asking about some fraudulent charges. I immediately confirm the chargers were fraudulent. The bank closed the cards. My credit card # was stolen at dinner on XXXX XXXX at XXXX XXXX in XXXX XXXX. I was on in Florida for 24 hrs from XXXX on the XXXX to XXXX XXXX  on XXXX XXXX. On XXXX and XXXX XXXX, while I was in Washington state, purchases were made. 
Charges. XXXX  XXXX XX/XX/2021. {$16.00} : XXXX & XXXX XXXX XX/XX/2021 {$67.00} : XXXX XXXX XXXX XX/XX/2021. {$330.00} : Parking XXXX XX/XX/2021. {$6.00} Bank of America claims to have investigated and holds me responsible for the full amount, despite they caught it first, I immediately reported it as stolen. I believe all charges should be removed from my account. Bank of America refuses to even abide by the consumer protection laws and hold me to the {$50.00} as the law states. 

The attached photos have dates and locations to show where I was on the dates, also a copy of a different credit card statement showing my charge for the Washington state ferries on XXXX XXXX along with a XXXX charge in XXXX XXXX Washington and XXXX XXXX XXXX XXXX for dinner. Also attached is my work flight schedule showing my flight inbound on the XXXX and outbound on the XXXX. I had house guests on the XXXX and XXXX if necessary I can have them attest to my presence at home.

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 2015-08-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: Self Financial Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( Sf/XXXX XXXX ) AT ( XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX  ) The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: Continental Finance Company, LLC
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
This company misrepresented their terms and charged fees that were not agreed to. I sent a request to close the account with a check for the balance owed last fall. Instead of closing or cashing the check they charged additional huge fees to renew the card. I have sent several follow up requests for them to close the account and asked for follow up on why the check has not been cashed. I have sent these return receipt and have not gotten any response. They have continued to add fees and now have reported it as late/bad account on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
LVNV Funding had me summoned XX/XX/XXXX, and after XXXX court dates and no validation of the debt during all XXXX dates the attorney representing them dismissed the case on XXXX XXXX, XXXX in court and, in XXXX county TN. They were suing me for XXXX. I recently looked at my credit report and they are still reporting, and now the balance has risen to XXXX. They could never provide validation of the debt, and it was in a name which I have n't used since XX/XX/XXXX, due to a divorce. I want this removed from my report immediately. I can provide documentation, but do not have it at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted multiple disputes and an FTC report for the following fraudulent accounts. None were deleted : XXXX  : XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00} Equifax : XXXX XXXX XXXX {$250.00} XXXX  {$380.00} XXXX XXXX XXXX {$570.00} XXXX : XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$1100.00} XXXX {$380.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting my account inaccurately. I have submitted documentation through the three major credit bureaus to have this information updated and nothing has been fixed. They are reporting my account as an individual account, however it was a joint account where I was the co-leasee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Concord Resolution Inc (Closed)
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving calls from several different numbers stating that I am " a person of interest '' and must file a statement within 48 hours or the case will be forwarded for further legal action. 
The first time I actual spoke with a person, I was asked to verify my SS and I refused. I told them to stop calling me and that if this involved a debt they needed to contact my attorney who works with XXXX XXXX XXXX. ( I work in the XXXX ), I gave them all the contact information to reach XXXX XXXX XXXX, XXXX, which they have not done. 
They continued to call me and leave automated messages on my phone. 
When I call them back after a few weeks, I had to verify the last XXXX of my SS. Then the man ( XXXX XXXX ) said I took out a payday loan in XXXX 2013 from XXXX XXXX, and still owe {$480.00} on it, how do I plan to take care of this debt. I said I never had this loan and have never heard of XXXX XXXX. I told him he would have to talk to my attorney, and that once I got validation of the original loan I would have my attorney call him. He claims to be with Concord Resolution and his numbers are XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked Bank of America and XXXX to remove this credit pull but they are unresponsive. XXXX also refuses to provide me a copy of their detailed investigation which is illegal. 

BK OF AMER XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 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 2021-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is about a Capital One 360 Checking Account, This bank will not release Cleared Fund Deposited, and Has Not Allowed my Stimulus Money to be Received in addition to not releasing funds already in the account. I have called over the last two months, and have literally been lied to about the status of my account, and their promise to remedy the matter. The phone records, and recorded calls will bear out my allegations. The Bank is holding money that I need to pay my bills, and additionally causing my 2021 Stimulus money to not be deposited into the account, as other deposits have been accepted. I need immediate action, as this bank has put me in financial peril, and has been fraudulent in their activities ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06
Company: Concord Resolution Inc (Closed)
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Repeated phone calls from at least two different phone numbers to my work phone. Calls are made by an automated system and instruct me to call back a certain number. I began rejecting these directly to voicemail ( XXXX ; XXXX ). I am having my work number changed in the hopes that this they have a wrong number. 

Here is the text of all messages : Female Voice : " Today an order of validation : notice of demand was issued on & lt ; apparent account number & gt ; ( computer voice ) to be sent to & lt ; name similar to my name & gt ; ( computer voice ) in the next 24-48 hours. The opportunity to resolve on your own terms will expire upon receipt. Please call immediately at XXXX. Male Voice : '' Action message documented ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CITIBANK, N.A.
State: PR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I currently verify the XXXX XXXX app to monitor changes in my score. Last week, I noticed there was a new account which I did not sign up for ( Sears/CBNA ). Since the amount charged was not major ( {$330.00} ), I waited to take action because I was working and also, my Uncle has been hospitalized since XXXX/XXXX/2017 ( today is XXXX/XXXX/2017 ) so I did n't have the time to investigate what to do in order to report this. Today, I finally had the time to report the situation so I logged in to XXXX XXXX to look up the lender that opened the fraudulent account but noticed that, once again, there was another fraudulent account ( Best Buy/CBNA ) but this time the amount is substantial and largely material ( {$2900.00} ). I will go to the authorities today to file a police complaint, but decided to report the identity theft online as soon as possible.

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 2015-12-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
This company, XXXX XXXX XXXX XXXX, is charging me an exorbitant amount of interest on my latest bill. They claim I sent my payment of {$25.00} late in XXXX on the XXXX. However I have the bank statement that shows I sent it on the XXXX, which was before the due date. In XXXX, they did not send me a bill in the mail for some reason. So, I did n't send in a payment since I thought I was caught up. Now, in XXXX, they send me this bill that shows all these late fees and that I now owe {$120.00} by XXXX/XXXX/15. This company attempted something similar in the past against me, and I believe they purposely did not send me a bill in XXXX, then they blame me for not sending a payment, in order to extort more fees out of me. I have to assume I do n't owe anything at a given time if no bill comes in the mail. Had they sent me a bill in XXXX, then this situation could have easily been avoided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I purchased a home from CitiMortgage through XXXX XXXX XX/XX/XXXX. Unbenowst to me, the person that rysar had me working with to get a loan from citimortgage had been recently released from federal prison XX/XX/XXXX. I worked with him, one on one in XX/XX/XXXX. CitiMortgage is forcing me into foreclosure so that I can go away and not file a lawsuit against them. I have found out that the deed had not been in my name for over 8 years, there was a {$60000.00}, XX/XX/XXXX lien on the home that was just recently cleared up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE 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 information incorrect

Complaint:
I have disputed and contacted this company numerous times and they continue to duplicate report which is a violation of the Fair Debt Collection Practices Act or the Fair Credit Reporting Act. 


Account # XXXX Account # XXXX I have requested numerous times for them to remove the duplicate and update with accurate information. They are very unprofessional and rude every time I call. They are abusing subprime consumers.

One of their representatives advised me to go back to XXXX. Seriously? 

I am fed up with XXXX XXXX and them trying to continue to overcharge me.

Please review my account I have two XXXX XXXX reported on all of my credit reports but only ever had 1 single account with them. The numbers and amount both dont match. They are ruining my credit by violating the CRA as a form of retaliation!

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 2015-11-11
Company: CITIBANK, N.A.
State: WV
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was offered a {$100.00} statement credit on a plane ticket from XXXX XXXX if I applied for, obtained, and used their frequent flyer card from Citi Cards. I applied for the card and was approved, but was not provided with the opportunity to pay for the ticket with the card. I called Citi Cards for help, but was informed that I could not use the card to purchase the ticket until I received the card in the mail. This was not the offer that was displayed on the XXXX XXXX payment page -- it clearly showed a {$100.00} statement credit on the fare that I was purchasing. Waiting for the arrival of the card in the mail would result in me losing the selected fare. Citi customer service blamed it on the encryption ability of my browser, but I learned after the call that the browser I use -- XXXX -- matches the encryption security of the server to which it connects, meaning that the security issue is on Citi 's side, not mine. The Citi representative reported that she gets XXXX calls like this a day, suggesting that the problem again is on Citi 's side, not the consumers. 
In short, Citi and XXXX made an offer, which I accepted by applying for the credit card and taking a " hard pull '' on my credit report. Citi and XXXX then refused to honor their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I initiated a claim for {$16000.00} dollars on my business account on XX/XX/XXXX, a few days later I cancelled the claim as we realized that the charges were valid. TD bank said they could not cancel the claim and to deal with the merchant. The funds were taken out of the merchant 's account and I then paid the merchant {$16000.00} dollars in the form of a wire transfer. TD Bank was supposed to credit my account back by XX/XX/XXXX as they have the funds from the merchant. We cant get an answer from the claims department and customer service or the branch are unable to help. We need our money credited to our account ASAP as we have now essentially paid the merchant twice. 

I have provided TD bank with proof of payment to the Merchant and proof that the merchant also has the funds taken from there account and that TD has the funds. I was told that if the merchant didnt challenge the claim by XX/XX/XXXX the funds would be credited To my account this has not happened yet and no one has answers. 


The lack of communication is unacceptable and needs to be fixed. 
They are holding {$16000.00} of my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-25
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This bill is 9 years old and was written off. Midland picked up an old bill and is listing it as new. There has to be a law to stop something like this. Is n't it illegal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have specifically requested Asset Acceptance LLC to provide proof of debt owed, they have not provided any type of proof regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: AMERICAN EXPRESS COMPANY
State: CA
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 contacted XXXX  regarding an unauthorized hard inquiry on my consumer file. XXXX  did not properly investigate the dispute. The telephone number listed on the inquiry is a non-working number. Additionally, the company claimed they did not request my credit profile although it shows up on my XXXX consumer file. 

Furthermore, I called XXXX again to inquire about receiving {$1000.00} compensation for the false reporting. I received a callback from XXXX on XX/XX/2021 before XXXX PT. XXXX removed the inquiry but stated I could not be compensated just because I asked. XXXX violated the FCRA and I am entitled to compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: SYNCHRONY FINANCIAL
State: FL
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:
Purchase an item on XXXX  XX/XX/XXXX for {$240.00}. XX/XX/XXXX i disuputed the charge becuase XXXX shows the item delievered not to my address. 

XX/XX/XXXX i recieved a charback of {$240.00} for the same item. 

XX/XX/XXXX i recieved another {$240.00} chargeback XX/XX/XXXX i called to tell them about the chargebacks and was given a credit of {$240.00} I also intructed that that i never received correspondance about my dispute. They were suppose to follow up with the dispute and haven heard anything in months. I called today XX/XX/21 and i was instructed they will be doijg another dispute. 

Under federal law i the consumer should be protected and corresponse on outcome or progress. 

I am not the only victim here and i hope everyone else use a different payment method than paypal credit/synchrony 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 2021-08-31
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: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize this company to pull my credit. I have asked XXXX XXXX and Equifax to remove this credit pull but they are unresponsive. Equifax also refuses to provide me a copy of their detailed investigation which is illegal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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: Public record information inaccurate

Complaint:
I have proved over and over again that this public report is indeed unverified account that needs to be removed Experian continued to Mark this as verified even after I showed them proof that nor XXXX XXXX  or the Bankruptcy Court has this information I have sent them the proof of my other scores with XXXX and XXXX  which are not showing no public records or student loan I am a victim of identity theft.

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