BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-19
Company: CITIBANK, N.A.
State: MO
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:
There were 9 purchases on my Citi bank credit card made in various XXXX stores in Texas which I did not make. All for the amount of {$300.00} each. XXXX and XX/XX/23. My claim was rejected with Citi bank claiming my credit card was present at the time of purchase. My position is that I was at home in Missouri during this period along with my credit card. 
I had obtained a police report which Citi bank had requested. They asked for proof I was in Missouri and at their suggestion I supplied another credit card statement showing purchases made in Missouri during the same time period.

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 2023-01-05
Company: Experian Information Solutions Inc.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I redeemed some of my Capital One rewards points to book a flight on XXXX XXXX. Unbeknownst to me, my action of using the benefits of the card triggered some sort of fraud warning. 

On XX/XX/2023 I tried to use my Capital One credit card to pay for dinner and it didn't work. I was embarrassed but didn't have another credit card on me. After trying the card several times, the restaurant ended up comping my dinner so I could leave. 

While walking home from dinner, I called Capital One. They let me know that they'd locked my account due to suspected fraud and I needed to upload my driver 's license, a bill with my address, and my social security card to unlock my account. 

When I got home, I couldn't find my social security card. I asked them if there was any other way I could prove my identity- my passport, my birth certificate, etc. They said that no, my social security card specifically was required. Since I don't have my social security card, I asked Capital One to transfer the points I'd earned out of my account and close it. They refused. I said ok, can I abandon all the points I've earned and just close the account. They also refused to honor my request to close my account saying that they couldn't take any action on the account while it was locked for fraud review. 

In XXXX, Capital One charged me the {$390.00} annual fee for the card. This was paid via autopay from my linked bank account. 

In XXXX, Capital One closed my account. 

I'm annoyed that : 1 ) I lost all of the points I had accumulated on the card, because Capital One ( erroneously! ) marked my account for fraud when I was just trying to use the points I had earned. 
2 ) They didn't close my account when I requested, instead waiting until the annual fee was charged ( XXXX XXXX and XXXX XXXX!!!! ) and then closing the account 3 ) I didn't get ANY value from the {$390.00} fee because since XXXX I have been unable to use my card, accumulate points, redeem points, or access any other card rewards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-21
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 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 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 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 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 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I.C system Inc amoumt {$3800.00} date XX/XX/2021 I tried to file a dispute I dont know what this is I have no knowledge of this account and it putting a negative impact on my 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 2023-08-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ONSUMER FINANCE.GOV CONSUMER FINANCE.GOV XXXX  AL XXXX CONSUMER FINANCE .gov XXXX AL XXXX XXXX Dear Sirs : I wish to file a complaint against the company SELECT PORTAFOLIO SERVICING INC for the following reasons Currently the company BUSINESS XXXX XXXX XXXX maintains a mortgage loan with the company SPS which is paid on time every month. 
On XX/XX/2023, SPS sent me a letter stating that due to an analysis of my account, an excess deposit in guarantee of {$4400.00} has been determined and that they will return it by means of a check to the address that they have in their database ; However, the address was wrong and the check never arrived and according to them they canceled it. 
From that date I began to call XXXX XXXX XXXX to coordinate the delivery of the check and correct the address, however it was very difficult to follow up on the check because the company indicates that it only sends checks by public mail and there is no way to follow up or check if they really sent it, they do not show any evidence of the issuance of the check or the shipment, so it has been more than 4 months that I call constantly and communicate with different advisors who lie and give me different versions and the check does not arrive to my power despite the fact that I have changed the address and it is constantly verified, in recent days I have talked with supervisors to see if I can get them to comply with sending the check but it has been useless because there are also several supervisors who do not comply with sending the check with a tracking number for which the check is lost and they cancel it without consulting me and we come back from scratch and I do not receive the check. 
For these reasons, I want to denounce the company SELECT PORTFOLIO SERVICING INC for improperly withholding the guarantee deposit in excess of {$4400.00}, not properly informing the sending of the check showing evidence of the issuance of the check and the sending of the check and, above all, showing a tracking code to be able to track the check and the constant misinformation given by your staff. 
Due to the attitude of the company, I consider that their intention is not to return the amount indicated, for which I appeal to you to contact them and indicate the reasons why they do not comply with sending the check with a shipping code and if necessary I can assume the cost as already indicated Sincerely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I paid the full balance of my account on XX/XX/23 prior to due date of XX/XX/23. I paid via automated kohls phone number and it stated my payment had successfully processed. My kohls account online also reflected paid. Please see attached. I received an email on XX/XX/23 from kohls stating I had a past due amount of {$29.00}. I immediately called and they stated my phone payment submitted XX/XX/23 returned on XX/XX/23 which was also the statement date however I was not notified until after the statement date and when this was reported to credit agencies nor did my kohls account reflect a past due status ( stated {$0.00} owed ). My current balance also reflects {$0.00} owed. Please see attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In XXXX, I opened an account with Fortiva through XXXX to pay for a big ticket appliance. The terms of the account were satisfied in XXXX and I never used the card again. I received in the mail a credit card from Fortiva, with terms and conditions I never requested nor agreed to. I was notified of this through another lender of mine who advised of new accounts on my credit report. My credit score also had decreased.

I contacted Fortiva on Monday 8/21/2023 to advise I never requested nor authorized a credit card to be issued in my name. The agent I spoke with XXXX, offered an apology and advised he would close my account. 

On XX/XX/XXXX I received an email stating that I was notified via email a few months back that I didn't opt out of the offer, and therefore they issued me a card. It appears I closed the account, however I take issue with this as I never gave express permission for an account to be opened. I understood that it was illegal for a company to open a credit card account without permission of an account holder. 

I request that Fortiva do what ever necessary to undo the actions they have taken and report that they opened a credit account in my name without my permission to all three credit reporting agencies. 

A financial institution should not be permitted to reserve the right to open accounts in a consumers name, just because that consumer previously did business with them! 

In my original terms with fortival, it was an installment-type of loan in excess of two thousand dollars, to cover the costs associated with the purchase of a kitchen appliance. The interest on that initial loan was high- XXXX XXXX. The interest on this credit card they opened without my permission is is XXXX XXXX. The credit limit issued was {$1000.00}. Fortiva claims this was an upgrade from my account through XXXX. How is this an upgrade? 

I have faced penalties and consequences from my authorized credit card companies who have since reduced my available credit by thousands of dollars citing that "... too many new credit accounts have been opened in my name. ". 
I am very disappointed in the actions by Fortiva in taking steps I did not authorize that led to a drop in my credit score and my available credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX XXXX ran my credit XX/XX/2023 with 3 creditors. Then the following day they ran 7 more creditors without my consent. 

I found out when I received a credit alert. 10 inquires is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: CITIBANK, N.A.
State: AZ
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 am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes.

Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading.

In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation.

Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery is reporting a fraudulent account on my credit files. I did not open nor consent to this account being open. I will exhaust all legal avenues afforded to me to get this account removed from my credit. I will sue said creditor or collection agency in small claims court within 14 days of receipt of this complaint. 

Enhanced Recovery CO L  XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Bank of the West is transferring to BMO over the first weekend in XXXX. In all the literature that I have received, as a HELOC customer of Bank of the West, there is not a phone number to be found for questions. I have an automatic transfer from an outside account that processes on the XXXX of the month. The transition to BMO is taking place on the XXXX of the month. The automatic transfer every month entitles me to .125 off the rate of my HELOC. Therefore I need to be sure the automatic transfer will process. 
As there were no phone numbers in the literature, I opened up mobile banking app. No phone numbers there of ANY kind. I opened up a statement and found a phone number. I called and was never presented an option to speak with a representative. After a few trips through the phone tree, I was hung up on by the system with a 'we are are sorry you are having trouble, please call back later '. What a disaster! I called back three times and gave up. I finally called my local branch for more information. 
The phone tree BOTW has set up is NOT customer friendly and I am GLAD BOTW is going away.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023, I logged into my Capital One mobile app and noticed 76 charges to XXXX! I do not have a XXXX account! The charges amounted to over {$5000.00}. 
I called Capital One and disputed the charges. How is it possible that all these charges were under the Bank 's radar so to speak?! There were no alerts and nobody called me to let me know someone has fraudulently charged my account and ordered food at a number of restaurants in California! ( I live in Florida and could not possibly make these charges. ) To this date, my claim has not been resolved and my money returned. The above constitutes a classic example of fraud but Capital One has not taken any responsibility. I called them many times and their representatives can not give me any assurance that I will get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Flexible Finance, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello, This company helps to break your rent into two payments by providing a short term loan. 

Timeline : On XX/XX/2023 my apartment complex told me that my rent for XXXX would be prorated at 1125mo ( its normally about I informed Flex that this was occurring. On XX/XX/2023 they informed me that this amount had been adjusted as requested by me. I also sent them a copy of the email that my company sent. 

It was initially adjusted to only draft XXXX dollars ( approximately on the XXXX ), however, the app defaulted to the original rent amount. After telling them this occurred, they assured me my account would reflect the proper amount. Flex STILL charged me the improper amount. After asking for a refund, this company said they could not comply. I feel that this company intentionally overcharged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: I.C. System, Inc.
State: OH
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I C System, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: SANTANDER HOLDINGS USA, INC.
State: IL
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:
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1971 I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit. 
XXXX  XXXX XXXX  XXXX {$1000.00} XXXX  XXXX XXXX  XXXX {$530.00} XXXX XXXX  XXXX XXXX {$0.00} SANTANDER CONSUMER USA XXXX {$12000.00}

Company response to consumer: Closed with non-monetary relief