BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$5700.00}

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 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One Bank USA NA, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting  agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
After spending hours and hours with Discover Credit Card Services they Advertise Double Match however, does not allow Customer ( s )  to fulfill to its fullest usage by suspending card and abusing their power by stating that there are security concerns. All security questions on XX/XX/XXXX & XX/XX/XXXX have been verified. I also have been transferred from department to department and falsely accused by Supervisor XXXX ( XXXX ) that I was typing information into my phone. XXXX when you become XXXX  years of age you are not the fastest therefore, you appear to not be the brightest either. By XXXX 's actions and some of the other representatives that I have encountered, apparently Discover must very untrustworthy and poor management skills. This credit card has been paid onetime and in full in the past. For me to recommend so many friends and family members, never again. In fact, I will share how Discover is poorly treating me and not allowing me to receive the advertised points to its fullest. I am also requesting the last three months including, the current statement to be mailed at no additional cost since Discover has locked me out of my account. Discover has also been reported to the XXXX XXXX XXXX and has not received a response as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: JPMORGAN CHASE & CO.
State: IN
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:
Chase has informed me that they plan to close one of my credit card accounts. This account has been inactive for quite sometime with a XXXX balance. They informed me when this card expires they will in fact close this account. The problem with this is when they do close this account this will cause a reduction in my FICO score, I 'm currently saving and planning to make a purchase of a new home. This FICO score drives the interest rate and my new payment amount. If chase should choose to close this account and my score decreases due to this it will cause a financial hardship to me and my family, costing me tens of thousands of dollars in a course of a 30 year note. This is assuming I can even get approved at that time due to this. I 'm bringing this up as many years back when the economy tanked I never missed any of my payments they decided to reduce my line of credits setting off a chain reaction of many of my accounts pulling back on my there line of credits too. This at time could have cost me my business however I was able to weather the storm and endure the added costs inflicted upon me and my family. I 'm attempting to be proactive this time with no plans to simply roll over on allowing the big banks to again damage me. It would be different if I was bad paying consumer however I have literally 20 plus years of perfect credit When I say perfect credit what I mean is never miss a payment never not fulfill a commitment. This is what used to count not inquires, closed or open accounts or age of those accounts.This FICO score is driven off many factors and when a bank decides to hurt me for doing nothing wrong it is not fair to the consumer. If I were to harm them by not paying them I would end up in court. The same should apply to them as they should be held to a higher standard. This information is in regards to account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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:
XXXX, 2021 On two occasions I have cancelled a credit card because I haven't used it for a long time, many years, and don't need it. In both instances, I received an email a couple days later telling me my credit score had dropped. I am in my XXXX 's and do not need all these cards. 

In both cases, I had never missed a payment, had not used the cards in years and the cancellation was at my request. Why should that impact my credit score? 

The most recent cancellation was with XXXX XXXX XXXX. 

Last year, I cancelled XXXX XXXX which had a high credit limit on it and I had had the card for decades and that was a big hit to my credit score. Again, no late payments, no recent usage and cancelled at my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: PNC Bank N.A.
State: IN
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:
On  XX/XX/XXXX  I reported fraudulent activity on my credit card in the amount of {$9800.00}. The dates of this activity were from  XX/XX/XXXX  to  XX/XX/XXXX . I also submitted a police report on this same date. The probable point of theft was from   XXXX   on  XXXX ,  XXXX , Illinois. Since my credit card was deemed " a bad read, '' I was directed to the ATM next to the service desk.  <P/> On  XX/XX/XXXX , I received two denied claims. I am very concerned that this is a beginning of continued denied claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I purchased a car from XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. The loan for the car says 60 months. My credit report shows that the account with XXXX was closed and paid in full inXX/XX/XXXX. This is incorrect information because I have still been paying a car note every month to this date. I contacted MCMC and they stated that they have transferred my account to another lender named XXXX. I asked who reports to the credit bureau and I was initially told by the general manager that XXXX does, but XXXX is not allowed to give me the phone number or any information about the company because they are just a lender and do not deal with consumers. I explained that it has not been reported that I am paying monthly and my credit report shows that the account is closed. The GM stated that he would handle it. This was in XX/XX/XXXX. The issue has not been corrected. I have asked again who reports to the credit bureaus and have now been told that XXXX does because they service my account and XXXX is just a lender. I have asked XXXX for their corporate office number and they told me again that they could not give that information because corporate does not deal with consumers. I asked who do I make a complaint to and they said a customer service rep like the one I was speaking to. I again asked for information on XXXX so that I can determine why they have not been reporting to the credit bureaus as they stated in my contract, and I was again told that they could not give me any information on the company. I have been told that someone would contact me to handle the situation and I have yet had anyone contact me. The customer service reps will not give me any information except the name of the company is XXXX. XXXX has not reported to credit bureaus about my account since XX/XX/XXXX. My credit report shows that the car loan account has been paid in full and closed. This is incorrect because I am still paying a car note every month. I need to know where my money is going since it is not being reported to the credit bureaus. This company is supposed to help build and establish credit. However, that can not happen if they are taking payments and not reporting to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from  Central Finan  cial reg arding a debt owed to  XXXX   XXXX   XXXX  on  X/X/2017   . I dispute the validity of this debt as I have met my annual deductible and should n't have any out of pocket expenses. I need further documentation verifying that this debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have received numerous mailing advertisements from TD Bank. At least one of those advertisements was a direct mailer which made an offer of {$XXXX} upon opening a new account and meeting specific criteria. I followed the link on the advertising mailer to open an account and opened the account through the link. I met all promotion criteria during the time frame, which involved creating a recurring direct deposit from my XXXX XXXX, meeting and keeping an account balance, and keeping my money invested in TD Bank. I made two inquires about the promotion after the requirements had been satisfied and was directed to " just give it time '' before the {$XXXX} promotional value would appear in my account. Apparently the promotion had expired ; however, I did not know it had expired at the time I opened the account and the website link advertised on the direct mailer made no indication that the promotion had expired. I opened the account under the impression that, and for no other reason than, I would be receiving the {$300.00} promotional credit. Now, nine months later, TD Bank refuses to honor the promotion even though there were numerous instances in which they could have told me that the promotion was no longer valid. My money has been tied up in the TD Bank account for nine months, accruing almost zero percent interest, when it could have been earning interest in any other account. So, by TD Bank 's not honoring their advertising promotion, I have lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I sent a certified letter to Equifax about inquiries that I did n't authorize or recognized and I asked them to remove the inquires. In 2016 it was some accounts deleted off of my report because they did n't belong to me. The accounts had the same name as me but different addresses. after looking at my credit report I seen all these inquiries and some of them were reporting more than once.They sent me a letter informing me that, they are not required to remove these inquiries, I needed to contact the companies. I contacted the companies and they said I need to contact the credit bureaus. These inquiries have stopped me from getting the credit I believe I deserve. The reason for denial is too many inquiries. I 've asked this company by phone and in writing but nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I initially had a mortgage open with AmeriHome Mrtg. At the beginning of my home purchase in XXXX. As of XXXX XXXX my account was transferred to XXXX / XXXX servicer and AmeriHome mortgage was dropped off my credit report. As of a couple months ago AmeriHome mortgage has reappeared on my credit report now making it seem as if I have two mortgages open although I have not been with them nor made a payment to them since XXXX of XXXX. I only have one single family Home and one mortgage. AmeriHome mortgage should not be reporting on my credit. I have been dealing with them all morning today XXXX XXXX and it seems theyre giving me the run around on getting in contact with their claims/ dispute department. Ive tried faxing the claim over and it was unsuccessful, I tried opening the claim online as directed yet Im unable to login although I reset my password and login credentials. Ive called all morning and am being told different directions each time. I tried emailing them directly and as they were going to give me the email The phone call got disconnected. Im just looking to get them to stop reporting to my credit report since Im no longer with them and its inaccurate and effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
During the month of XXXX, I mailed a payment postmarked XXXX XXXX. The bill was due on XXXX XXXX. This is an automatic payment. I reviewed my account online, and I am being billed for a late fee. Looking into the check that was sent with my bank, my bank shows that it was cashed in time to meet the due date. I contacted Goodyear, and they are refusing to adjust their record to remove the late fee, or change the status of their credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act there a accounts attached that have 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 consent.

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 2021-06-12
Company: CCS Financial Services, 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: Investigation took more than 30 days

Complaint:
i Filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: GA
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00}, XXXX XXXX Balance {$790.00}, XXXX XXXX XXXX Balance {$650.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: HI
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 disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used XXXX, which is built in to the Capital One app to send {$XXXX} for a deposit on a puppy on XX/XX/2019. 

The breeder then went dark and after some internet sleuthing I realized the litter was never born and I would not be getting a puppy as promised. Based on the breeders on contract if no dogs were born my deposit was supposed to be refunded. I sent multiple calls, texts and emails to the breeder to try and recoup my payment but she has never responded. 

I then filed a dispute with Capital One on XX/XX/2019 who clearly states in their app that XXXX is a " Safe and Secure '' way to send money. However, my dispute was denied simply because the transfer went to who it was supposed to go to. Even though I was scammed and never received the discussed goods. I tried to reopen my dispute with more information and documentation to support my claim but Capital One said it could not be looked into or escalated any further and there decision was final. 

I also tried to contact XXXX for a resolution but they only have an automated system which directed me back to Capital One. This service is atrocious, and that fact that it is BUILT-INTO the capital one app should certainly afford me at least the same consumer protections that are accompanied with XXXX or other money transfer services. 

This app knowingly and willingly supports scam artists and Capital One seems to not care and continues to use it within their platform. This is very bad for consumers and and very bad for both XXXX and Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
CITI-M/C Double Rewards Account opened : XX/XX/XXXX . We never had a purchase of {$3.00}, & they never showed it as an unpaid balance forward. Since we pay off all purchases listed each month, this had to be their math error or ours. SEE ATTACHED : Our  XX/XX/XXXX summary history review letter. & Their  XX/XX/XXXX  response letter plus copies past 3 moths of statements.
We have spent countless hours & effort through their secure message site & on the phone trying to clarify when, where & how this amount appeared without an honest direct concise response to our question from them. Citi 's customer service representatives rarely include a name on their correspondence, making it difficult for follow-up to whomever responded to our inquiries. { Note : Also missing on their  XX/XX/XXXX  response letter. } We felt the only way to get issue cleared up was to stop using their card for purchases, which we did before  XX/XX/XXXX  cut-off plus being unaware they would be charging interest on same. Interest on interest in   XXXX    was the last straw, prompting closing our account on  XX/XX/XXXX . Their  XX/XX/XXXX  billing just received, failed to mention our {$8.00} balance due us in our Reward Account or even the fact it is a Closing Bill.

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 2017-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX     2013  to  XXXX     2013  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 2019-12-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
There is a dispute with a deposit at a hotel and the money refunded was refunded late and then they close my account I want to pay the debt and reopen the account

Company response to consumer: Closed with non-monetary relief