BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My Citi credit card account has not been updating monthly on my XXXX credit report. Citi has told me that in order for the account to properly report, I must " change my name '' with them. My name concludes with the suffix " XXXX '' and Citi is telling me that I must change the " XXXX  '' to " XXXX '' in order for the account to report correctly. They have been incorrectly reporting my name with " XXXX '' at the end of it, so now my name is incorrect on my XXXX credit report. They need to fix my suffix to " XXXX '' as that's my correct name AND figure out how to correctly have the account update monthly with XXXX. 

Citi has been trying to pass the buck with this issue, washing their hands of it and stating that it's a problem with XXXX. This is absolutely false, as all of my other lenders including but not limited to XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX Bank all report my name correctly with the suffix " XXXX '' to XXXX and all of those accounts update routinely like clockwork every single month without a problem. If this were a suffix issue, none of my other accounts would be updating monthly with XXXX. This therefore is clearly a CITI issue, which they need to address and resolve. I've been dealing with their Executive Office for months now, shortly after they sent me a new credit card in XX/XX/XXXX. Each time I contact them I have to wait up to 15 days for a response. When I receive a response it's always of the same tune ... " not our problem, it's XXXX ... talk to XXXX, not us. '' Absolutely unacceptable treatment of a very good customer of theirs.

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 2020-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capitol One bank has reported incorrect account on my credit report. Account was removed but XXXX  unblocked my credit file and allowed Capitol One to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from Capitol One. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX  refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I  am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX My wallet was stolen from a locker at my gym. Before I discovered the theft the thief ( s ) had taken my ATM card to a Chase branch and had my PIN number overridden and/or reset and withdrew {$3000.00} out of my checking account. My wife contacted the Chase fraud department and reported the theft and a case was opened yet we were not notified of any additional documents or steps to take to send the case forward for investigation. On XX/XX/XXXX we contacted the fraud department again to see where our claim stood. We then were informed of additional documentation that was needed and this was faxed from our branch the same day. To date it does not seem any investigation by Chase has been undertaken into how my card was used without my personal PIN to obtain the funds. We didn't know of and were not informed by Chase that the PIN had been overridden/changed until a replacement card was received and we were not able to activate. The Police case opened with the XXXX XXXX XXXX, TX Police Department is XXXX and the detective XXXX XXXX had to obtain a warrant to even view the video from the transaction. Chase would not even inform the police which branch was involved in the fraudulent transaction. Additionally the police informed us that an almost identical fraud had also taken place and the thief also obtained funds fraudulently at a Chase branch. After the police reviewed the video it was learned that the money was taken using a drive through window and positive ID could not have been determined in this manner. Chase has also not even contacted the police for any information as to what took place. Today, XX/XX/XXXX we informed by letter that our claim into the fraud has been denied by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have tried over and over again to work the the debt collections companies to get these debt remove. The debt they claim I owe does not belong to me. I have sent both companies documents to prove so and I never heard a response from neither of them. I do n't know what to do because I 'm so fed up. These bad debt is causing havoc on my life and I need this negative information taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: VYSTAR CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I recently had a car stolen from me via Theft-By-Deception. I was selling a XXXX XXXXXXXXXXXX XXXX and was contacted by someone saying they would send me the money for it. Knowing I wouldn't proceed without proof of money, we proceeded on a call with my bank ( VyStar Credit Union ) and I was told he was transferring money, and it would be in my account in the morning. The next morning the full {$49000.00} was in my account as AVAILABLE BALANCE. I was still weary, so I went to the bank branch and was told the money was " As good as cash '' and " No chance it could fall back on me ''. I was then informed that the bank automatically put the money toward the loan, and that it was paid off and the account closed so they could start the title process. I later received a letter from the bank stating that the loan was paid in FULL and they released their lien on the title. A few days later, the funds reversed, and i was negative the full amount in my account. After contacting VyStar i was told that the External Transfer that was stated on my account was actually a Check-By-Phone, that had NO hold on it, and immediately went into my account without being described as " Bank Funds '', and paid towards my loan by the bank. VyStar then re-instated the loan after a week and was immediately sent to collections as i was late because there was no loan account at that time. I am now out a XXXX XXXXXXXX XXXX and {$49000.00}. I have filed police reports, reported it stolen, attempted to file a claim through insurance, and pleaded with all involved parties to help me in some way. All parties involved don't care about the situation, place me at fault, and refuse to cover any amount of funds I've lost. 
Even though VyStar admitted they can't see if funds are checks or not, and admitted it is IMPOSSIBLE to verify checks with them, and insurance is claiming the vehicle is " Legally Sold '', therefore it can not be covered even though police confirmed all information from the buyer is false, and the vehicle is still registered in GA in my name. I am looking to go after the bank for denying the claim, and refusing to follow their policy. 

In the Attached police report there are some errors.

1. The title was never signed, for the bank still had it at the time of the theft.

2. I did NOT transfer the money received toward the loan account, VyStar credit union did the transfer of the money.

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 2022-06-04
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I attended XXXX university online They encourage you take out loans that you could get jobs once completing your degree. I have private loans and education loans for a XXXX  year degree I was told that i didnt qualify for student loan cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted Synchrony Bank, which provides services for Paypal. I needed to make a payout of existing purchases and balances and only leave my recent purchase, which was on a monthly repayment schedule. I spoke to an agent and we figured out what was owed. I submitted a payment of {$1300.00}. The payout was never applied correctly and almost {$600.00} has mysteriously disappeared. I have called them several times and they repeatedly say that they will fix it. They have not. I am missing money and I refuse to make additional payments until this is resolved.

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 2023-06-05
Company: DISCOVER BANK
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Demanded the account be closed in XXXX of XXXX. Still hasn't been done. Got dunned XX/XX/XXXX for {$15.00}. YEAH RIGHT! Closed accounts can't generate fees. WILL NEVER PAY. I marvel at Discover Banks inability to perform the simplest functions in the year XXXX. I am certain we will be soon bailing them out. What a bunch of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: SYNCHRONY FINANCIAL
State: NJ
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 am writing to bring a serious matter to the attention of the Consumer Finance. My complaint pertains to unauthorized interest charges that I have been facing from Synchrony Bank in connection with my credit card account with XXXX XXXX XXXX. 

On XX/XX/XXXX, I availed of a credit card through XXXX XXXX XXXX 's website, with the understanding that I would be eligible for a XXXX interest-free financing offer. Based on this assurance, I proceeded to make purchases using the credit card. However, since the initial purchase, I have been consistently charged interest, despite fulfilling all the criteria for the free financing option. 

I have attempted to resolve this issue by reaching out to Synchrony Bank 's customer service on multiple occasions. Unfortunately, my attempts have been in vain as they have been unable to rectify the problem or provide any reasonable explanation for the erroneous charges. I have attached relevant copy of purchase records and chat transcripts with XXXX XXXX XXXX for your reference. 

My total purchase amount from XXXX XXXX XXXX stands at {$2600.00}, which I have diligently paid in monthly installments, with the final payment made on XX/XX/XXXX. However, to my dismay, Synchrony Bank claims that I still owe them {$1800.00} due to alleged interest charges. I vehemently dispute this claim as I have made every effort to comply with the terms of the free financing agreement. 

I am a middle-class individual with a strong track record of responsible bill payment and a XXXX XXXX of XXXX, which reflects my financial credibility. Therefore, I find it inconceivable that I would willingly incur interest charges and late fees. My intention is to promptly resolve this matter and seek justice for the undue financial burden caused by Synchrony Bank 's negligence. 

I kindly request the Consumer Finance 's intervention in this matter to thoroughly investigate the issue and ensure a fair resolution. I believe that I have fulfilled all the obligations as a customer and should not be held accountable for erroneous charges that are beyond my control.

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 2023-10-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FTC REPORT NUMBER XXXX These are not mines I was a Victim of Identity Thief. This is wrong on my credit report, I want these removed in XXXX days. 

I DEMAND PROOF OF VERIFICATION WITHIN XXXX DAYS, IF NOT? YOU WILL BE VIOLATING MY CONSUMER RIGHTS!! 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 




( These is the follow law that been broken during this span ) 15 U.S. Code 1681a-Definitions ; rules of construction | U.S. Code | US Law | Lil/Legal Information Institute 15 U.S. Code 1681s-2-Responsibilities of furnishers of Information to consumer reporting agencies ( a ) Duty of furnishers of Information to provide accurate Information 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( 1 ) - EXCLUSIONS-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any-report containing information solely as to transactions or experiences between the consumer and the person making the report,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX  tax collector sent a letter informing my fiance and I that we had an outstanding balance owed on our XXXX real estate taxes. We had refinanced our previous mortgage XX/XX/XXXX and verified with the closing agent that they had appropriately applied escrow funds for taxes owed. At the time of receiving the letter, I attempted multiple times to resolve the escrow shortage with the Lakeview loan servicer, XXXX. In addition, the insurance broker I have used for years attempted to call them for the hazard insurance. When the broker called, XXXX stated they had no record of my loan. During my attempts to resolve, they would claim to research and call me back but never did and now 7 months later I can not resolve this issue. By reviewing the payments on the Lakeview loan servicing website, I can see funds posting as XXXX XXXX and XXXX XXXX XXXX XXXX. However, the amount listed {$2600.00} is not our quarterly escrow amount. It should be {$2200.00}. I have asked for copies of checks and evidence of where the funds were sent to. If we can obtain this, we can see where these funds were applied to. We were informed by the XXXX XXXX XXXX XXXX XXXX XXXXXXXX collector that the amount {$2600.00} does appear to be the amount owed for our condo association builder ( XXXX XXXX XXXXXXXX XXXX ). But we can't get XXXX to work with us or provide the documentation needed to resolve this. My fiance had posted a poor review on the XXXX XXXX XXXX  and Lakeview reached out to state they are opening a case but passed it back to loan servicer XXXX. We do not want this issue to continue being unresolved. Our escrow balance went into a shortage, our taxes are not paid, and our mortgage payment increased to account for a shortage created by XXXX in the first place.

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 2022-06-05
Company: EQUIFAX, INC.
State: MI
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 have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-04
Company: Experian Information Solutions Inc.
State: AL
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  Account # XXXX, XXXX XXXX XXXX # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act : XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-03-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I would like to send a complaint about these three companies, EQUIFAX, XXXX  and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: EQUIFAX, INC.
State: AZ
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:
filled a previous complaint that I could not get my credit score. They have the wrong name with my ss number. I have faxed them my driver licensee, social security card and passport a total of three different times to fix this problem. Equifax is the only company Iam having this issue with. their response to my complaint was still the same problem. Then they send me a letter with someone else name on it PLEASE Help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Avant Holding Company, Inc.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Applied for an online loan through the website of the business, on or about XX/XX/2021. Immediately, provided the company with two years of tax returns as requested. On or about XX/XX/2021, was asked to provide a front/back picture of my drivers license along with a selfie, this was immediately provided. On or about XX/XX/2021, I received a couple of daily phone call messages from the business with a heavy accent that was hard to understand, advising me to call in. The business was already provided with everything requested. In fact, I applied at a competitor at the same time, and the loan was fully funded within 2 days of applying. 
On XX/XX/2021, the business sent via email an notice claiming your recent application through Avant has expired.

Upon receipt of this complaint, send me a statement of specific reasons why you were not able to offer a loan to me.

Company response to consumer: Closed with explanation