BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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 Found out my mom opened 3 credit cards from capital one under my social security card without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, TransUnion, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX XXXX XXXX XXXX XXXX XXXX show 30 days late payment on XXXX & XXXX payment is inaccurate ) ( date last active ) reporting differently on each bureau ( TransUnion XXXX ), ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX show 30 days late payment on XXXX. Payment inaccurate ), ( date last active ) reporting differently on each bureau ( TransUnion XXXX  ) ( XXXX XXXX XXXX XXXX XXXX ) ( account need to delete the company couldnt verify my information, high balance need updated ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( accounts need to remove deleted & updates the company couldnt verify my information ) reporting differently on each bureau ( TransUnion XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( show 30 days late payment on XXXX Payment is inaccurate ) ( date last active ) ( reporting differently on each bureau ( TransUnion XX/XX/ ) ( XXXX XXXX XXXX XXXX XXXX # XXXX ) Show 90 days late payment on XXXX XXXX XXXX. payment is inaccurate please update ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) Show 60 days late payment on XXXX & XXXX. Payment is inaccurate please update ) reporting differently on each bureau ( TransUnion XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) reporting differently on each bureau ( TransUnion XXXX ) ( TXXXX XXXX XXXX XXXX XXXX XXXX ) reporting differently on each bureau ( TransUnion XXXX ) Regular inquiries ( 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 This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, TransUnion, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and TransUnion has violated my rights. XXXX5 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-28
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
There are several transactions on my PayPal statements which show duplicate transactions, some more than twice coming out of my accounts. While I do understand these statements show duplicate transactions out of default, there are several transactions still showing a minus sign- in front of these transactions more than once. Therefore they have been paid out more than once. I have been unsuccessful in resolving this issue for far too long and would like to see it come to a final end as PayPal customer service is not at all easy to work with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: MD
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 is violating the FCRA and not adhering to the law governing such. The accounts are as follows : XXXXXXXX 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 

15 U.S.C. 1681 ( A ) ( 4 ) " here is a need to ensure that credit reporting agencies exercise their grave responsibilities with fairness and impartiality, and a customers rights to privacy. '' 15 U.S.C. section 604 ( A ) ( 2 ) " a consumer reporting agency can not furnish an account without my written permission.

15 U.S.C 1681 ( b ) ( 2 ) Permissible purpose of consumer reports. " Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 15 U.S. C 1681 ( I ) Procedure in case of accuracy. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 

XXXX has taken 60 days including the investigation. I have all certified mail receipts.

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 2023-04-30
Company: EQUIFAX, INC.
State: NV
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:
Im reporting that I have proof of illegally reporting inaccurate information about me.with the following collection past due dates and balances of the amounts. This is a violation of FCRA and I have a right to a completely accurate credit report and if not true I would appreciate it it if you PLEASE IMMEDIATELY REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX reporting open XXXX closed Equifax closed ( incorrect delete item by law ) XXXX XXXX XXXX XXXX reporting closed XXXX closed Equifax open ( incorrect delete item by law ) XXXX XXXX XXXX date incorrect XXXX  date wrong Equifax I date incorrect These are effecting my life by not being reported correct all I ask for is to be DELETED AND REMOVED FROM MY CREDIT REPORT THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: KEYCORP
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with KeyBank on XX/XX/2022 using the {$200.00} welcome bonus offer. I completed all the requirements and should get my bonus within 90 days. But I haven't gotten the bonus yet. I called customer service and they told me I should get my bonus on XX/XX/2022. I called the customer service again on XX/XX/XXXX and submitted a Ticket. The customer service told me that it would be resolved within 10 days. But it has not been resolved yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i got account an inquiries that are inaccurate and need to be removed from my report asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX  on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.

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 2023-02-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX Ally went to the extreme and took money out of a former customer account with Ally who is a relative of mine that lives in the same residence Relative only has the same address that was on file but every other information is separate to my account They took XXXX and put it towards my account because my payments were past due to a situation with the insurance and dealership claim I had because the hurricane damaged the XXXXXXXX XXXX I have leased with Ally My relative noticed her money was missing because she received a notice Now due to their actions she was able to get the money back and she ended up refinancing with a different bank Now in my situation I haven not had my vehicle since XXXX due to the damages and all I have contacted Ally plenty of times giving them notes on why have not been able to make a payment but yet every single time I speak to someone they say there are no notes I received a letter on XX/XX/XXXX from Ally stating they have my vehicle and to pay the full amount to get it back but also on the letter it also states or get it back for less just to contact them for the payment options as soon as I call they tell me otherwise and I am trying to speak to them on my concerns and they hang up This bank is so quick to ask and take money from others but can not help out like how they supposebly say in writing.

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 2023-04-30
Company: CrossCountry Mortgage LLC
State: IL
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 noticed that my credit report shows an inquiry from a company I have no recollection of ever doing business with. I did not submit my information to have my credit Ran & I am so upset right now. The company name is CROSSCOUNTRY XXXX XXXX XXXX XXXX XXXXCROSSCOUNTRY MORTGA on XXXX. I am very selective of my credit being ran & I have no need for it to be run as I have everything that I need. Hopefully this company doesnt do this to others as its not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased {$30000.00} worth of {$1000.00} gift cards issued by Blackhawk Network Holding. After the purchase, Blackhawk Network Holdings limited how these gift cards can be used. They changed the terms AFTER my purchase. I tried to make a {$600.00} purchase at XXXX  and the gift card declined. I would like a refund for the unused gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, 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:
I never authorized child support to take money or report it on my credit report it is unconstitutional and goes against 18 u.s code 1028A aggravated identity theft and also I received my papers i was not legally served and it's not even stamped at the top and it also is not judicial it's administrative that means it's illegal there was proper procedures followed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: FIRST NATIONAL BANK OF OMAHA
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
1. In XX/XX/2022, I applied for and was issued the the XXXX XXXX XXXX ( XXXX ) by by First National Bank of Omaha ( FNBO ) 2. The XXXXFNBO promo email I received included special promos for the annual fee and premium awards fee. 3. I was charged erroneously for the annual fee, because I signed and obtained the XXXX credit card under the terms of, {$0.00} Intro Annual Fee for the 1st year. See enclosure. However, on XXXX I was charged {$20.00} for the annual fee. 4. Then I was charged erroneously for the premium awards fee, because I signed and obtained the XXXX credit card under the terms of, {$0.00} Premium Rewards fee for the 1st year. See enclosure. However, on XXXX  I was charged {$50.00} for the premium rewards fee. 5. I contacted four ( 4 ) times be postal mail and three ( 3 ) times by email and never received an affirmative response to my concern and complaint. 6. I was completely ignored and I suspect this is a wide and habitual practice of FNBO, to bilk fees out of unsuspecting customers and use promo emails to lure them. 7. I have all of the supporting documents and artifacts to support my claims. 8. First National Bank of Omaha XXXX XXXX XXXX XXXX, Nebraska, 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 monetary relief
Consumer complaint received 2023-04-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan was transferred to Nationstar mortgage llc dba Mr. Cooper, which also assumed the service to pay my home insurance through my escrow, on or around XX/XX/XXXX. With no issue, they paid my home insurance policy XXXX, on or around XXXX XXXX, XXXX. 
However, fast forward to XXXX my policy XXXX was not paid when due, on or around XX/XX/XXXX. Mr. Cooper requested verification of hazard insurance on property or they would buy insurance for my property at a higher cost, so I provided the policy multiple times. So did my home insurance company. 

I got another letter from Mr. Cooper requesting Insurance Info so I sent another copy of the policy to them & then I noticed my name wasn't on the policy ( just my husband 's, which he is on the mortgage & title of property ) so I had my name added, on or around XX/XX/XXXX. 
Not sure why this would stop them from paying my insurance but I did it anyways for peace of mind. 
Insurance company sent copy of this change with payment due to Mr. Cooper, on or around XX/XX/XXXX. I received no calls or letters from Mr. Cooper so I assumed all was well. 

Come XX/XX/XXXX, Mr. Cooper still didn't pay my insurance and my insurance was cancelled. I called Mr. Cooper and spoke to a couple of reps with no success to resolve the issue. They didn't even know how to answer me on why my insurance was not paid. 
My Insurance company would not reinstate nor re-write my policy due to the length of time the policy was not paid. This forced me to get quotes for a whole new policy in which some were hesitant to provide due to this lapse in non-payment of policy. 
I received new policy but they would only start it from the date of write-up XXXX. Now Mr. Cooper has charged me {$2900.00} through escrow ( double the cost of my current policy ) for the lapse in coverage. 
Why would I be liable for this when it was due to their negligence and fault on why I have a lapse in coverage? Wouldn't Mr. Cooper be liable for any gap in my insurance as they did not pay out of what I already had in my escrow account for my home insurance policy ( XXXX thru XXXX ) that I already had in place and they received document from insurance company that it needed to be paid multiple times? 
I've already sent multiple emails and letters to the company with no resolution. Only response is regurgitated docs that we already know but no response to the specific issue. 

I have the formal complaint letter sent to Mr. Cooper and will provide if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My identity has been compromised since the year XXXX. The thieves used my stolen information to open a credit card with Capital One. I found out about this situation in XX/XX/XXXX after receiving several credit application denial letters that I was utterly unaware of and didn't authorize. Afterward, after reviewing my credit report is when I become aware of this credit card account along with others that I didn't authorize. This situation is a major inconvenience and has significantly hindered my ability to obtain credit. I've attempted to dispute this account numerous times with no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CCS Financial Services, Inc.
State: GA
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:
Reported late payments to credit reporting agencies : XXXX, XXXX, and transunion. All of these companies have different information and are not accurate in each report. In accordance with the fair credit Reporting act XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; I would like every discrepancy removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: AMERICAN EXPRESS COMPANY
State: FL
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:
This is in response to claim # XXXX which was not adequately addressed. See attached amended letter from AMEX that I received in XXXX OF XXXX with revised terms. It states that transactions BEFORE XX/XX/XXXX : CURRENT APRs WILL CONTINUE TO APPLY TO THESE TRANSACTIONS and the new XXXX will apply to purchases and balance transfers made ON OR AFTER XX/XX/XXXX. My APR did not change until XX/XX/XXXX and is being applied RETROACTIVELY to XXXX!! Prime rates did not increase until XX/XX/XXXX!! 

PREDATORY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I am a victim of identity theft and was informed that my information was stolen by someone or Company. My XXXX, Social Security XXXX, and Date of Birth was stolen.

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 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made an initial complaint XXXX, and it closed but I am not happy with the results. 

Some charges were reversed but not all. 

If you read my complaint and through my conversations with the bank I stated correct the mistakes, close my card, and stop charging membership fees. I have not used the card in a year because of this problem and they are charging me late fees after telling CFPB to close it he complaint I guess that all was fine. That is surely not the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Accounts not removed and still showing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation