BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-17
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XX/XX/XXXX, I received an email from Comenity Capital Bank, that states that on XX/XX/XXXX ; XXXX my payment of {$2400.00} was returned due to insufficient funds, as the payment was returned my account was charged a fee of {$29.00}. 
I made the payment of {$2400.00} on XX/XX/XXXX to close this account, which I had called to verify the payoff amount before the due date of the loan. 
I did contact my Bank, XXXX XXXX XXXX XXXX who states that Comenity Bank did attempt to deposit the {$2400.00}, again on XX/XX/XXXX and was returned to them. That amount was presented to and paid on XX/XX/XXXX. My bank stated that there was no mistake on there part, and that Comenity Bank attempted to deposit the same payment amount on XX/XX/XXXX. making them at fault. 
I sent an email stating what I had discovered and that I did not owe Comenity Bank a NSF fee of {$29.00}. 
As of today I have a balance of {$60.00}. in late fees for a check that they tried to deposit twice!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I did not authorize to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. I am a victim of fraud and theft. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 but Ive had no responses. Ive sent out requests to the credit bureaus. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
XXXX reported on my Transunion Credit Report on the following dates : XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. I did not inquire any information regarding this company. These are XXXX hard inquiries.

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 2021-03-17
Company: EQUIFAX, INC.
State: SC
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 Equifax inquiry dispute and they didnt come back within the XXXX to 45 day According to the fair credit reporting it if they dont respond within XXXX to 45 day mark weather inquiries or factual or unauthorized It doesnt matter because if they dont respond within a XXXX to 45 day mark inquiries must be deleted by law And they have not been deleted yet its been longer than 45 days they keep coming back after 45 days saying incorrect information my next step is to go to the federal trade commission if these inquiries are not delete it because Equifax is not following the law that gives them 35 to 45 days to respond And they are not following that law I sent my dispute in XX/XX/2021 and they came back With False information on XX/XX/2021 they keep giving me the runaround behind the inquiries and theyre not following the law they must delete it because its the law according to section 609 of the fair credit reporting act they have not provide any proof of my inquiries nothing bearing my signature Also Anything unverifiable or in accurate must be deleted the inquiries are inaccurate and unverified because they sent me nothing bring my signature according to 609 Section 609 of the fair credit reporting act so because of this this also must be deleted And if the inquiries are factual send me Proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
n accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, 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

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 2017-08-15
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: Store credit 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:
We signed up for a 12-month, interest-free line of credit to purchase new furniture at Ashley Home Furniture stores, financed through XXXX XXXX. We setup automatic payments in the amount necessary to pay-off said credit card in 11 months, and DID NOT agree to, sign-up for, or " add '' any additional card " benefits. '' After several months of automatic payments, we logged-into XXXX XXXX " mysynchrony.com '' site to check our balance, we noticed monthly, odd-amounted charges on our credit card 's activity ( between $ 5- {$20.00} ), labeled " XXXX XXXX XXXX ''. We call this number and gave them all of our personal account information, in the belief that we had contacted XXXX XXXX. It turns out, instead, we had contacted some shady, fraudulent " company '' simply called " XXXX XXXX. '' The representative, " XXXX, '' refused to give us any information, even what the company 's purpose was, or what a generic " XXXX XXXX XXXX '' charge was for. I XXXX XXXX this exact charge and discovered it is a " dept cancellation protection '' charge, fraudulently added to unsuspecting credit applicants. I contacted XXXX XXXX directly and they were very defensive, and refused to help, saying we could only contact " XXXX XXXX '' and that they would not refund these fraudulent charges. XXXX XXXX MUST discontinue this practice and their business with " XXXX XXXX, '' and this fraudulent, malicious " company '' needs to be shut down immediately! Thank you.

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 2023-01-04
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I opened Capital One XXXX XXXX account ( # XXXX ) on XX/XX/2022. I fulfilled my required spending with legitimate purchases and received XXXX points as a bonus for opening the account. I also paid {$390.00} for an annual membership fee. In late XXXX, Capital One " conveniently '' closed the account without any explanation, no call, no letter. 

Further, Capital One partially confiscated the points and provided an " automatic '' credit at {$0.00} per point, which is only 25 % of the true value of the points, without giving me a chance to use the points the way I would prefer within a pre-specified period. 

I fully paid off the balance on the closed account, fully fulfilling my obligations to Capital One, but expected a prorated refund of the annual fee of {$390.00}. 

The pro-rated refund never came. 

In a few months, I never got said prorated refund and called to complain to no avail. The representative explained that I am not entitled to a refund of the annual fee, even though Capital One themselves closed the account, just 2 months after opening it. 

I fully understand that any credit card account may be closed with or without reason, however, the confiscation of the {$390.00} annual fee is a form of theft from my point of view. To my knowledge no other financial institution has the audacity to confiscate annual fees upon involuntary and self-serving account closure. 

Further, the above consideration also applies to the partial confiscation of the legally earned points, without giving a reasonable opportunity to a customer to use the points the way he/she finds suitable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: AMERICAN EXPRESS COMPANY
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:
HI, Attached is a file I sent to the better business bureau. All information is included in download. IF YOU NEED MORE SEND ME AN EMAIL. 
Also Filed with Attorney General office, they advise to notify you as well. 
My Name : XXXX XXXX. 
XXXX XXXX Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Acra Intermediate Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to Covid 19 was laid off job and did not receive unemployment. Mortgage Co gave me 3 months defferal and told me it would be placed on the back of the loan. I was to pay only the payments due after the 3 maths. Now they are demanding all payments. I sent them 3 months payments and they returned it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion has fail to provided me with dispute results on time

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 2017-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
regular credit inquiries can not be disputed or investigated

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 2021-03-17
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
. My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX shellpoint mortgage ( lender ) begins to collect escrow funds. Throughout the next year and half as borrower makes payments, lender fails to credit account and instead places funds in unapplied account. Borrower becomes up to six months behind on mortgage payments as per Shellpoints records. 
In XXXX of XXXX we were granted a loan modification by shellpoint mortgage ( lender ). The accounting that the lender used to figure that loan mod was inaccurate. As part of the loan mod the lender was supposed to bring payments in arrears, add these funds to the principal balance so that there are no monies to be in arrears on the Modification effective date ( XXXX/XXXX/XXXX ). But Shellpoint added {$17000.00} to loan balance but failed to bring loan current. Borrower contends he is only XXXX payment behind on modification effective date where as lender has borrower XXXX payments in arrears. Lender never brings loan current as required by loan mod. As borrower continues to make monthly payments lender fails to properly credit account. As an example, borrower paid three times for the XXXX/XXXX/XXXX payment. On XXXX/XXXX/XXXX borrower paid {$7100.00} for due date of XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX borrower paid {$6000.00} for due date of XXXX/XXXX/XXXX, and on XXXX/XXXX/XXXX borrower paid {$6200.00} for same due date of XXXX/XXXX/XXXX as per Shellpoints own records. 
On XXXX XXXX, XXXX lender offers to amend loan mod but still has incorrect figures. In XXXX/XXXX/XXXX borrower signs notarized copy of new amended loan modification. Currently, Shellpoint is returning all payments made by borrower and does not return phione calls and has locked borrower out of online account activity. But borrower continues to make each monthly payment as per loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
Company: Shellpoint Partners, LLC
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a notice of XXXX XXXX XXXX dated XXXX/XXXX/16 from Shellpoint Mortgage Servicing. It is impossible for my policy to lapse because the my lender pays the insurance out of escrow and I never called to the cancel the insurance nor did I receive a notice of non-renewal from the insurance Company. On XXXX/XXXX/16 I called my Insurance agent to verify that our coverage had been maintained without gaps. My Insurance agent was not surprised that I was experiencing this sort of problem with Shellpoint, my agent has heard similar complaints from other customers about Shellpoint. I called Shellpoints insurance Department on XXXX/XXXX/16 and spoke to XXXX. XXXX looked at the information they had on file and could not find a lapse in coverage. She could not provide an explanation for why I ever received this letter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: EQUIFAX, INC.
State: NJ
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 was ran by someone, I did not authorize and don't no the company this is a fraud and i need them removed from my credit report. 
XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a XXXX 2 years ago. The loan needs to be looked. The lender is Capital One and the dealer is XXXX XXXX XXXX XXXX. The deductions for m, y trade in and the thousands of dollars in case I pt down were not applied correctly. I paid over XXXX for this vehicle, and have a XXXX dollar payment every month. The SUV has a loan balance of XXXX or so as of now. I was charged extra in fees and also given a higher interest rate, when it should have been lower. I lost my job and juts started working in XX/XX/XXXX. They say they have extended my loan but now Capital One is charging me excessive payments of XXXX and above. The interest on these payments seems higher as well. If I do n't pay I get threatened with repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint Mortgage Servicing Corporation services my home mortgage. When their client purchased my Mortgage, they did so without the obligation to pay the property taxes. I am responsible for property taxes. I paid the property taxes as per my duty in 2016. I then began to receive notices that they wanted to me additionally pay into escrow with them. When I inquired about this, they stated that they had also paid the property taxes on my behalf. I asked them to correct this issue and not to bill me for unpaid escrow money. They stated that they could not correct the bill until they had received the overpaid taxes from the municipality. Given that the error was administrative on their part, I asked them again not bill this directly to me. They claimed that they would work this out on their end. Despite several conversations with customer service I have received bills including late fees and collections notices which I feel are harassment, given that the original issue was an administrative error on their part. I continue to receive these notices and would like them to correct the error.

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 2016-09-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: NV
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I had an outstanding loan of {$200.00} with this company. I was trying to get them on my debt counseling program XX/XX/XXXX. My debt counseling program contacted Cash Central with a proposal and I followed up a few days later with Cash Central. They claimed they never received the fax and took out {$120.00} as repayment for my loan. I kept at my debt counseling company and they told me that Cash Central was on board and I would be paying them {$25.00} a month. I set up the repayment date to be XX/XX/XXXX and shortly afterward, I received an e-mail from Cash Central stating that they would take out {$27.00} on this date. 


I asked my credit counselor if they were actually on board with the program because they were doing an automatic withdrawal on XX/XX/XXXX. She told me that it was up to them to void the ACH. I asked Cash Central to do that and they said that was not neccessary. In lieu of this, I told my credit counseling company not to take out the {$25.00} for XX/XX/XXXX since they were going to do it. 





On XX/XX/XXXX, I received an e-mail that my Cash Central Agreements were now void. Now to my understanding, my credit counseling program was going to make a payment to Cash Central out of this month 's payment. However when I checked my bank account yesterday, XX/XX/XXXX, I found out that I was overdrawn by {$65.00}. Cash Central tried taking out {$110.00} from my account without telling me. I am now in worse of a mess than I was before and I have two payments that are now rejected because of this and my credit rating will suffer. My bank is XXXX and the local office is in XXXX XXXX, NV.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I had two accounts with XXXX XXXX XXXX. One for a home and the other for an RV. Both were destroyed in a fire on XX/XX/2020. 
I sent the mortgage company the exact amount of the pay off for both accounts. 
They only used the money to pay off the home. The kept the money intended for the RV in an escrow account and did not apply it to the payoff. 
They then placed a derogatory report on my credit bureau record. This caused my credit score to drop by nearly 100 points. 
This caused my to not be able to rebuild or by a home. 
I have requested the company to remove this derogatory report from my credit bureau record. 

I have submitted a complaint to you before about this. What was the result?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had made payments to XXXX XXXX XXXX  and after my last payment in XX/XX/2022 they sent my account to a collection agency for a balance of {$100.00}. I was not notified of this and every time I attempted to contact XXXX, I either received a message that their office was closed, they were at lunch and was unable to pay via phone because their system is faulted. When I finally did reach them, I was told that my account was sent to Transworld Systems Inc. collection agency. I have never received any communication from them. When I contacted the collection agency to pay the final {$100.00} of my balance, I sat on the phone for an hour waiting for them to find someone to take my payment. Transworld Systems Inc. would send me over to XXXX and XXXX refused to accept my payment. Both Transworld Systems and XXXX XXXX XXXX refused me the opportunity to submit a final payment of {$100.00} and neglected to accept my payment.

Company response to consumer: Closed with explanation