BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have been paying on my account XXXX under Walmart/Capital One to get my balance down. I wanted to pay it off but decided to pay a large portion towards the balance and then request to lower my limit. However I am not seeing my funds appropriated on my limit, the credit amount is tipping the scale by keeping my balance, not increasing my credit score for on time payments, raising my interest rates, and just being predatory in their consumer services with my account by greedily holding my funds. I am appalled by this behavior from my creditor but not very surprised it feels like financial discrimination during an economic inflation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This company is reporting inaccurate information to my credit report about a public record that is a bankruptcy. I have spoken to US Bankruptcy Court, The Western District of Louisiana and they stated that they did not give any permission to report this information.

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 2016-10-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Late fee

Complaint:
My husband lost his job in XX/XX/XXXX leaving my income as the only source for paying bills. It has become hard juggling rent, food, creditors and other debts. We contacted Barclay with our situation. With each month we are charged a late fee and over the limit fee. Each time we are told we must pay the minimum passed due amount, which has been difficult on our limited income. With fees mounting our monthly due is skyrocketing and growing out of control. We feel like even when he finds employment we will never be able to catch up and our credit will be ruined.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-17
Company: AFNI INC.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
A account was opened in another state when I was XXXX XX/XX/XXXX, When I called Dish network and told them about it. it was removed. Now here XX/XX/XXXX they come back saying it was for my address which I never had account with them in amount XXXX and change. I sent a police report and stuff to everyone XX/XX/XXXX that several accounts where open when I was deployment. No one was living at my house at the time. So no XX/XX/XXXX they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all XXXX XXXX is say that they are informing of a debt and do I still the equipment. I did n't sign for or authorize this account and after checking with my ex wife to see if she did where she was living she said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had pull my wife off of my bank account, and during that process the bank went in to her account and pulled {$130.00} out to put in my account because it was overdrawn for 15days and cause her account to go overdrawn due this process. At this point now both accounts are overdrawn and the back is saying ohhhhh well it is in the agreement.

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 2016-10-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Other

Complaint:
I opened a Walmart credit card account with GE Capital Retail bank ( now Synchrony Bank ) in XXXX, of XXXX. I lost my job in XXXX and fell behind and was unable to make payments. I worked it out with Synchrony by going on a payment plan to get the account paid and closed. The representative said that as soon as the payment plan was completed that the account would report as " paid in full '' and they would remove the late payments from my credit report. 

XXXX shows " pays as agreed ''. XXXX shows both " Payment after charge off/collection '', and " Settled-less than full balance '', and XXXX shows " Account Paid In Full For Less Than The Full Balance '', and they are also still reporting all of my late payments after the representative specifically said that they would remove. I do n't understand how they removed them from XXXX and XXXX but not from XXXX. 

I have attached a copy of XXXX XXXX credit report pulled on XXXX/XXXX/XXXX for your records, so you can see the erroneous and inaccurate reporting. 

Due to the erroneous and inconsistent reporting across the XXXX credit bureaus, I am requesting that this trade line is removed from my credit reports, or is updated to " paid in full '' and all late charges are removed.

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 2017-03-13
Company: Early Warning Services, LLC
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Early Warning has adverse information from XXXX in regards to a fraudulent and unauthorized checking account. I have never opened a checking account with XXXX. Someone stole and used my personal information to impersonate me and open up a fraudulent and unauthorized checking account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: SYNCHRONY FINANCIAL
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Synchrony Bank closed XXXX of my accounts without my knowledge and authorization. No accounting information was provided.

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 2016-09-21
Company: AFNI INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: PA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: PA
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-04-13
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Binance.us is forcing users to consent to to their updated terms of use to extract funds from their account. After being caught illegally selling personal biometric data to 3rd party companies, they are trying to force us to waive our rights by holding our funds hostage. This is EXTREMELY illegal and requires immediate action against this them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
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 information incorrect

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 have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX. Ive been in the process of trying to start a new business and haven't been able to due to this un accurate information on my credit. I am writing to delete this information in my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Comission 's Identity Theft Affidavit. Please delete the items as soon as possible so that I am able to move on with my life, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: STERLING JEWELERS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Store cards were opened in my name and birth date with an unknown social security number. Creditor sent cards to an address I never resided in a state I never resided.  Two  accounts appear on my credit file and thus far harming my credit.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.

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 non-monetary relief
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TN
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 XXXX XXXX xxxxxxxxxxxxx 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 REPORTING INACCURATE INFORMATION NOTHING MATCHES 100 %

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Good evening. 
On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck. 
Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me. 
I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet. 
My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not. 
B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice. 
C ) I should not be held liable for debts my ex has incurred since our separation. 
D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship. 
E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues.

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 2020-06-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Opened a Chase Checking account just about a week ago. The next week it closed and they have not even sent my debit card yet. I had a total of $ XXXX deposited in the account and it was just closed without prior notice. I need to pay my bills and need to buy food. I don't have access to MY money. This act of Chase should be illegal. I never write complaints to companies or any reviews but this is actually my first because this is outrageous. DO NOT bank with chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Possible Financial Inc
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Self Financial Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have called ally bank everyday for two weeks and they tell me there is a twenty five minute wait time nobody will answer, I need to withdraw some money and I ca n't.

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 2022-04-13
Company: GOLDMAN SACHS BANK USA
State: NY
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:
The merchant never provided any valid information regarding the dispute, and the credit card company, Apple, continues to rule in their favor. 

Dispute case number : XXXX Transaction date : XX/XX/2020 Merchant name : XXXX XXXX Disputed amount : {$3300.00} Temporary credit : {$3300.00} I lost the dispute, but Apple reps keep calling me to reopen the dispute. I gave them all the information needed to rule in my favor, letting them know the merchant never provided me with any contract or terms and conditions stating that the service was nonrefundable.

The service I was provided was not as described and the merchant was unprofessional, which is why I opened a dispute.

Apple keeps harassing me every so often with different reps calling me to reopen the dispute. 

Most recently, the dispute was opened again and now they have completely blocked my credit limit and won't even let me pay. 

This is extremely disgusting service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of refinancing a property I have inherited. I am trying to save the property from going into foreclosure. My Lender has reached out several times to request the Payoff Demand from PHH Mortgage and is getting the run around. My XXXX XXXX : XXXX. I also find it strange that I have not been receiving monthly statements. Please look into these matters. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
This is against Penfed Credit Union. On my XXXX statement I noticed that I have been getting a {$3.00} charge for a cash advance. I contacted them to ask about this cash advance as to when it was made and how much. I have not gotten a response as to date. I called and could not get an answer. Penfed # XXXX Thank you for contacting PenFed. 

Weve received your support case ( XXXX ) and have forwarded it on for reviewa representative will be in touch with you as soon as possible. 


Sincerely, PenFed XXXX XXXX Take PenFed with 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 2020-04-20
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
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:
Credit acceptance corp 1 : As of XXXX, the balance to the car loan was up to date and the total balance of the car loan was around the XXXX mark ( the creditor can confirm this ) 2 : As of late early XXXX the car a surrendered to the bank and weeks later they tried to file a claim with my insurance company for damages that I was not at fault for. The charges were around XXXX 3 : As of around late XXXX they tacked on that balance to the remainder of the loan and the balance was showing at around the XXXX. 
4 : Early XXXX they adjusted it to around XXXX on the website but they are reporting on my credit report that I have a balance of XXXX and I am still being reported as late even though the loan is closed

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