BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-08
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony has been calling me a minimum of 4 times a day 7 days a week. Including the XX/XX/XXXX and every Sunday

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 2018-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Portfolio Recovery Associates have not properly verified my account after several attempts to dispute their right to legally collect this debt. Portfolio Recovery Associates provided a copy of a monthly statement. That information does not prove they have the right to collect this debt. I would like them to provide me with the following : -What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor : Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I notified AmeriHome that I was impacted by COVID-19 and had a reduction in income. AmeriHome informed me that I would have no payments due until XX/XX/XXXX however I got a statement on XX/XX/XXXX informing me that I was past due on my account. Not only did they tell me that I needed to make a double payment, they also charged me a {$160.00} late fee. 

I called the company and they told me they waived the late fee, but that is not satisfactory for a number of reason : ( 1 ) this is going to happen again next month and I was told that I'll have to call back in ( 2 ) this could impact my credit score if I'm reported as past due and ( 3 ) this could cause other customers in a similar situation to become  confused and feel like they have to make a payment when it is not required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to XXXX several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX acct XXXX, XXXX XXXX and the listing for Bankruptcy chapter XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX  & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an account at Simple because I had learned about a promotion they were offering. If you opened your account before XX/XX/XXXX XXXX XXXX PT, deposit {$20000.00} within 15 days of opening, and maintain a balance of at least {$20000.00} until XX/XX/XXXX XXXX XXXX PT you would receive a promotion of {$400.00}. 

I met all of the conditions of the requirements and have yet to receive a promotion. Several days before the deadline I had attempted to submit my application and was running into technical issues. Every time I would hit my submit application button I would get a spinning wheel letting me know the submission was completely but it would never take me to a completion page. 

I received marketing on the XXXX, XXXX, and XXXX of XXXX to complete my application and every time I tried to, I couldn't get it to complete. 

As a last resort I contact Simple via XXXX and let them know that I was having them problem. I contacted Simple via XXXX  at XXXX CST on XX/XX/XXXX and they were aware of the issue because they had a concise answer and recommended I remove or disable any browser extensions, which they responded an hour later ( XXXX CST ). Once I turned off my popup blocker, my application was submitted and approved instantly. 

The problem I realized today was due to this technical difficulty that Simple was aware of I had not met the time deadline for the promotion although I had met all of the other requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: Thaxton Investment Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have explained that I have not worked due to having XXXX and I constantly keep getting calls. XXXX has been told numerous times by my employer not to call me at work and she still calls there everyday which is about to cost me my job. She has also called and harassed and threatened me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Capital One reduced my credit limit from {$10000.00} to {$5000.00} even though I have 3 years of perfect credit history with them and wont listen to me when I call and ask about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: EQUIFAX, INC.
State: AL
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Experian Information Solutions Inc.
State: NV
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 sent in a letter from the united states bankruptcy court stating the bankruptcy court does not perform any activites with the credit bureaus .i would like it remove off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account is from 2005 and should be removed from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have repeatedly contacted capital one to have a new debit card mailed to me and It wont allow me to transfer funds that of been sitting in my account for over a month every time I call they send me to an answering machine Ive left at least 25 messages no one has called me back I cant access my Social Security XXXX and I now can not pay my landlord rent. I can not withdraw funds purchase funds view my statements and I try to pay my bill online using this app XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
fraudulent accounts still appear on my report after submitting ftc report. XXXX XXXX for all three and XXXX XXXXXXXX XXXX on XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
A CREDIT INQUIRY FOR XXXX XXXX XXXX WAS PLACED ON MY TRANSUNION REPORT ON XX/XX/2018. I IDID N'T AUTHORIZE THIS INQUIRY FOR A CAR. 

FRAUDULENT INQUIRY WAS MADE TO XXXX XXXX XXXX BY AUTO DEALER. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
THD / CBNA has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Despite previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

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. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX/XXXX

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 2020-01-27
Company: Rozlin Financial Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ROZLIN FINANCIAL GROUP HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$1900.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: CAVALRY INVESTMENTS, LLC
State: OH
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 am assisting XXXX XXXX XXXX with some credit issues. I am a XXXX and XXXX  XXXX with XXXX XXXX XXXX XXXX. We have tried twice to get XXXX XXXX to discuss the account that they have on XXXX XXXX 's XXXX  credit report. They will not speak with us. XXXX XXXX was in the office with me when we called them. They knew that she was in the office and they would not speak with us. She tried speaking with them on her own and they would not speak with her. 

XXXX has this joint account as an individual account. I am enclosing the XXXX credit report showing the original XXXX account that is joint with her then husband, XXXX XXXX. Then you can see where XXXX XXXX has it listed as an individual account with only XXXX XXXX. 

I am enclosing the decree of divorce between XXXX and XXXX XXXX from XXXX stating the XXXX account as joint and XXXX XXXX 's liability not XXXX XXXX 's responsibility. 

I am attaching documents from XXXX County Municipal Court. I pulled up documents under XXXX XXXX 's name as there are no documents under XXXX XXXX 's name. But you can see in the original documentation that XXXX XXXX listed both XXXX XXXX XXXX AND XXXX XXXX XXXX and listed them at their address where they lived together. Somehow in following documents, XXXX XXXX XXXX 's name is taken off the documentation. XXXX XXXX approached her attorney to assist her in this court matter. Her attorney did file some documents on her behalf. XXXX stopped trying to get in touch with XXXX XXXX XXXX. 

When they went to get personal earnings at XXXX XXXX XXXX, XXXX responded " never employed ''. Of course, XXXX XXXX had never worked at XXXX. XXXX XXXX XXXX still works at XXXX. Both XXXX and XXXX XXXX signed for this XXXX loan. XXXX has dropped XXXX XXXX 's name and apparently responsibility for paying the loan back. We have tried to dispute this through XXXX and XXXX XXXX never received documentation back. XXXX still has the loan reported as individual and not joint. 

We have had no success in getting XXXX to speak with XXXX XXXX about this loan. We have had no success in getting XXXX to report the loan as a joint liability. We would, of course, like XXXX to try to garnish XXXX XXXX 's wages at XXXX since he is liable for the debt and he is employed. XXXX XXXX is on XXXX XXXX XXXX and has been since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( CCS ), as reported to the credit reporting agency that I have a debt with XXXX XXXX. CCS has not provided any documentation to support their credit action. I have had no written communication from CCS that verify a debt owed, and in fact we have written evidence that no debt is owed. CCS has reported to XXXX without cause. I have no evidence of any debt with my current personal insurance company. 

I am a current insured of XXXX. I have contacted XXXX 's agent XXXX XXXX of XXXX XXXX XXXX in XXXX CA ( see attached ) to research any outstanding debt that I may have. She returned that based on her research of all policies I have had with XXXX that I have no debt. 

I provided the email to XXXX. XXXX returns with a simple reply that the debt has been verified. However, no one have provided any proof that I owe anything. And, I have a written statement from a XXXX Agent that I don't owe them anything. 

The lack of evidence by CCS and the unwillingness of XXXX  to insist that CCS provide documents to prove a debt infers fraud. We would like this absence of transparency to be handled by your firm.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
JP Morgan Chase Bank negotiated a fraudulent check in the amount of {$25.00} against my personal checking account at XXXX XXXX XXXX XXXX on XX/XX//2020. The check had neither of the two Account Signer 's signature, nor did either Account Signer authorize said check. The payee on the check, XXXX XXXX XXXX XXXX XXXX, is a business which is unknown to both Account Signers, was not engaged for any transaction. After performing a XXXX search, there are several other individuals affected by this same type of fraudulent check transaction and all for similar small dollar transaction amounts. I have contacted my credit union on XX/XX/2020 to alert of the fraud and the credit union has closed my checking account to avoid further fraud. Note, this is a checking account I have maintained for 27 years without any incident. The result of this fraudulent activity resulted in numerous hours to reset all auto debit of payments to a new checking account and more importantly reset my payroll direct deposit to a new checking account. Due to the pandemic, I could not walk into my local branch to open a new checking account, it had to be completed online and will took 2 business days to complete. 
JP Morgan Chase Bank clearly is not conducting proper KYC/CIP   protocols and should be held accountable, as well as, XXXX XXXX   XXXX, XXXX. 
JP Morgan Chase Bank has not responded to XXXX XXXX XXXX XXXX to refund the fraudulently debited funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: COOLEY ENTERPRISES INC
State: TX
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:
In XX/XX/2018 I paid {$2400.00} on my existing car loan, with the intent to pay them 6 months in advance. For the last 3 months they have been increasing the balance on my credit report instead of decreasing it. It went from being XXXX to now being increased to almost XXXX. How can that be? I have never missed not one payment. At this time I believe I owe less than what they are reporting and they are attempting to get over on me.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On my XXXX XXXX on all three credit reports are reporting different last activity dates I disputed all reports and XXXX TransUnion and XXXX told me it was verified how can it be verified if the same account has different reports they did not verify reports TransUnion Last activity date XXXX XXXX XXXX. 
Last activity date XXXX XXXX XXXX  Last activity date XX/XX/2019 2019

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