BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CA
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:
I received a credit card from Bank of the West on XX/XX/XXXX for an account that was opened on XX/XX/28. I attempted to close the account with the bank but I am suspicious of the number that was provided. I received the card at my home. When speaking to the Customer Service Representative they were obstructive and continued to ask for further information. I was told that I would receive a letter to document the closure of the account.

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 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. 
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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information or 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 accurate.

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 2023-04-30
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage lender who covered us for all of 2022, Rushmore Loan Management, failed to pay our XX/XX/2022 school tax ( {$3100.00} ) with our escrow funds. The money was in our escrow account. A month later they sent us an escrow refund for more than that amount ( {$3500.00} ) saying we had an overage and this was not meant to be used for taxes ( have this in writing ). So we used it to cover the costs for the birth of our child. Lo and behold months later we find out the taxes weren't paid and before we could resolve anything with them they sold our mortgage to XXXX XXXX. 

We contacted the PA Attorney General who tried to resolve this with them, but Rushmore ignored their requests. Our current lender ending up paying the taxes from our escrow so we didn't have a lien put against our house, but since Rushmore misappropriated our escrow funds and failed to pay a tax they should have paid, we need resolution and for them to reimburse our escrow account. This is a case of detrimental reliance. All documents are in the XXXX XXXX folder below. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Dear Consumer Financial Protection Bureau, my is XXXX XXXX and Im contacting you guys about a complaint I would like to make against Capital One Credit Card. On XX/XX/2022 I paid {$5000.00} to XXXX XXXX XXXX XXXX XXXX to train me on how to drive commercial vehicles and was supposed to be complete when I received my CDL. Before I could complete the program the school had closed down. I made many attempts to contact the school via emails, voicemails, phone calls and even went to the yard where we trained but no one was there and I was unsuccessful because no one was responding to my messages. So after I saw I was being ripped off I contacted Capital One and informed them on what was going on. Capital One made attempts to reach the merchants and was also unsuccessful. Then Capital One gave me the run around by removing the charges from my account and then putting the charges back on my account stating that I should contact the merchant myself knowing that the merchant is longer in business. Capital One also lied to me by saying they contacted the merchant and when I asked how they told me They have their own way of contacting merchants, but in reality they didnt talk to anyone. What Capital One did was call a third party called XXXX XXXX which is an automated number responsible for giving receipts on transactions made but are not the merchants that charged me. Capital One sent me a letter saying that they will not remove the charge and for me to contact the merchant and my response to them was How can I contact the merchant if they went out of business and no one is available to talk to and Capital One couldn't answer that question. Will you please help me resolve this issue. My email is XXXX. Also the I showed Capital One that the school XXXX XXXX XXXX XXXX was being investigated by the Bureau for XXXX XXXX XXXX, but Capital One didn't care. Thank you and enjoy your day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-30
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
Spoke to customer service three or four times since XXXX charge. Last communication was a few weeks ago. Customer service informed me that in a week to 10 days a credit for the charge would be applied as per her manager. Since then no credit had been received. These bills were from XXXX XXXX XXXX as follows XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX In XXXX when TD credit card bill arrived they were contacted about the error. I then called XXXX & XXXX they weren't aware of any charges. When TB Bank was informed was told belling would be corrected. After numerous attemps credit not applied. TD Bank account ending in XXXX. 
Thank you XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
this is damaging my credit report. i have no idea of the and need it removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2023 I sent a letter to Transunion, XXXX, and XXXX to investigate my inaccurate accounts on my credit report. It has been over 30 days, and I feel like I'm being taken advantage of, these consumer reporting agencies are in violation section 15 US code 1681i it states that failure to investigate within 30 days gives a reason to remove those items from my credit report, it has been over 30 days so they should be deleted ASAP I demand these accounts be deleted ASAP or I will be filing for litigation due to the stress this has caused me, from getting a promotion with my company. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong persons. The evidence will be attached below.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: NY
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 never paid this account late and this account was paid in full. It is still showing as late on my credit card. I would like it removed from my credit reports as negative

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: Atlanticus Services Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I called in XXXX to close my account due to not using it and getting and email someone was trying to log into my account. In XXXX I realized they never closed the account because I got a bill I called to have it straightened out and the guy said he removed the charge and the account was closed. I just got another bill for this account and I called to ask about it and Im being told its a late charge for not paying the last bill when I payed off my card in XXXX and it should have been closed in XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I purchased an item on XXXX for {$1100.00}. I opened my Bank of America app and initiated a XXXX transfer in that amount to the seller. I later learned that the sellers account had been compromised and that this was a fraudulent transaction. I contacted Bank of America and while they did file a " billing '' complaint they offer no other protections to their customers. I believe that if Bank of America is going to have XXXX within their own app then they should stand behind the product and offer protection to their customers. Bank of America basically told me that there wasn't much they could do and that I needed to talk to XXXX. I filed a fraud complaint with XXXX and I received an email stating that they will look into the matter to prevent this from happening to anyone else. I believe that Bank of America and XXXX both have an obligation to their customers to provide purchase protection when utilizing their 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 monetary relief
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I did not authorize nor consent to the following inquires being furnished on my consumer reports, see attached

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 2023-04-30
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that Ive made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Genesis FS Card Services, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am having a problem with a financial company ( not a bank ), that offers Credit cards to the public. My initial card was a MILESTONE card. I had been making my payments on time, every month. All of a sudden, in XX/XX/XXXX, they started allowing LIMITED ACCESS, to the card. When I asked why, they told me my access, had been restricted, except for making payments. When I went to the website, and checked my statements, I found, that someone in their organization had listed/changed my account address to TWO different addresses in XXXX XXXX  XXXX I live in XXXX XXXX! And, I contacted them, in XXXX & XX/XX/XXXX, to complain about this.They first told me : that they reactivated the account. But, I was ONLY allowed to MAKE PAYMENTS, to the account! Then, in XXXX or XX/XX/XXXX, they told me : that I could only continue to make payments. So, I applied for a different card, not knowing that they were associated with the that new card, as well. So, after submitting my application for the new card, it was DENIED, because it was affiliated with this same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Check was sent to cover entire bill was cashed and yet still reporting on my credit report. They received more than the entire bill. Nothing but problems trying to get more money from my checking account when its more than enough to clear a. XXXX XXXX or ding to their document. I had to get my bank to not allow them to continue taking money when they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
In XXXX of XXXX, I was hornswoggled into a dubious and predatory loan by a XXXX dealership in XXXX XXXX, NJ ; in conjunction with Credit Acceptance Corp. Unbeknownst to me, they surreptitiously added several thousands of dollars to the loan that was granted to me, under the guise of an " extended warranty '' for a base model XXXX XXXX XXXX XXXX with close to XXXX miles. 

The initial purchase price of the vehicle was {$8800.00}, with monthly payments of {$370.00}. For more than 2 years, I steadfastly made timely payments, but the balance almost remained the same. From what I gathered, my interest rate was over 24 %, which explained why I could not pay down the principal, even though I tried. This duplicitous contract took it's toll on me financially and left me almost impecunious. Out of exasperation, I was forced to have a voluntary repossession. It would have taken me about 15 years to pay-off the car, and perhaps, paid XXXX times the price of the car! 

Ultimately, after repossession, the vehicle was sold at an auction, without any prior notice to me. The date, time or location was never communicated to me. This totally negates New Jersey statute that stipulates that a lender must give at least 15 days prior notice to the Lendee, in the event of an auction. 

Credit Acceptance Corp. sent me a current balance of {$13000.00} and has also reported to the major credit bureaus as purportedly owed by me, after the car was sold. This subterfuge needs to end! 

I would like to partake in the class action lawsuit to, first and foremost, have my default status expunged from the credit bereaus ; and be recompensed for this finagling and underhanded contract.

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: NC
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:
The Credit Bureaus stated that my XXXX account was properly investigated, but how is that possible if the Account number is inaccurate, the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also unlawfully reported my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX each of these dates is a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Prizm Financial Company, LLC
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My financing company has broken a number of federal laws from the tila laws ranging from unfair practices, fcra violations, repo violations, producing the accountant ledger which shows the transaction made between them and whom they purchased my alleged debt from.Also my account validation and not verification.

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: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My old employer deposit my work check in my account they said it was altered which was not they released the funds to me then they turn around and release the fun back to them I don't know how that works and then they close my account without my paycheck being dispersed to me I need this resolved ASAP 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 explanation
Consumer complaint received 2023-04-30
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Check was sent to cover entire bill was cashed and yet still reporting on my credit report. They received more than the entire bill. Nothing but problems trying to get more money from my checking account when its more than enough to clear a. Punt ac or ding to their document. I had to get my bank to not allow them to continue taking money when they have been paid.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
On XX/XX/23 capital one closed my venture x card without explanation except for violating terms and conditions. I have no violated any terms and conditions, the employees that I have talked to at capital one are unable to see why I would have my card closed. I always pay my card in full on time. I just paid the {$390.00} annual fee without any benefit uses since paying the annual fee. They also deleted all of my reward points. They attempted to escalate this and said they were not able to see the exact reason this was closed. I feel like this is a scam to keep rewards and annual fees from clients as this is a known issue with Capital One ( closing cards without being able to give a specific reason ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 : 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 

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 non-monetary relief