BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-02
Company: SYNCHRONY FINANCIAL
State: MI
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:
Called on XX/XX/XXXX # 1 ) XXXX XXXX Customer Service XXXX to Dispute a charge of $ XXXXas Merchant XXXX XXXX went Out of Business. The same Day filed a Dispute with # 2 )  XXXX XXXX XXXX about Two Charges {$250.00} & {$79.00} & both has been Resolved & Credited to my Accounts as of today XX/XX/XXXX by XXXX. 
# 2 ) Synchrony Bank of XXXX XXXX has not Acknowledged or Recognized My Dispute of {$270.00} & this Bill has already been Paid on or before XX/XX/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 2019-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
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:
In XX/XX/2018, my Capital One account was charged off due to having some personal issues. While the account status on my Experian shows " charge-off '', and " closed '', it is still reflecting a balance and continues to show my payment history as current and " CO ''. The balance should be at a {$0.00}, and they should have stopped reporting " CO '' on my credit report as of XX/XX/2018 when they charged it off. The account has already been given to an outside collection agency, and I have disputed this more than once for Capital One to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-27
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: Information belongs to someone else

Complaint:
Equifax has violated my federally protected consumer rights. I have never given the any written instruction to furnish any credit report on my behalf. Also, they are reporting nonpublic information on my XXXX report which is a violation of my privacy. VIOLATIONS pursuant to 15 usc 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: EQUIFAX, 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:
XXXX XXXX is reporting unverified/unvalidated and/or unverified and libelous information on my credit report. Multiple requests were sent to have all information verified by reporting companies with no lawful return or compliance to Fair Credit Reporting Act rules/regulations. These false unverified and unlawful reports are damaging, obstructive, and libelous. Multiple attempts to have them verify or remove reports have been unanswered. ( See dispute/complaint record. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Twice in 2018 Lowes charged me a late fee on payments electronically delivered to them a week prior to the due date ( they are on auto-pay ). They also billed me interest on in-store purchases that were paid off 5 minutes later with a cash transaction. I called in XXXX of 2018 and they said my account wasn't properly coded, but they fixed it so I was all set. The issue remained so I called back in XXXX of 2018 and again it " wasn't properly coded ''. Both times I was told I'd be credited back for interest improperly billed / the late fees I was billed. No credits were applied to my account for either of these issues. 

Another complaint, this is a Lowes Project Loan and Lowes abandoned the job. I am being charged interest on a job they abandoned.

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 2018-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried to access my capital one account with a number of different online services such as XXXX savings, coinbase and others. All say that CapitalONe is blocking these services from withdrawing funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I opened an account with Wells Fargo Dealer Services. In XX/XX/XXXX a late payment was placed on my account. I still have the account open and up to date with the payments. The purpose of my correspondence is to see if you would be willing to make a goodwill adjustment on the reporting to the three credit agencies. I am very happy with the service but however I am not the ideal customer and made mistakes with my handling of the account. As of right now my account is paid up to date and I haven't had any more late payments. I know that payment was my responsibility and I am not attempting to justify this breach of my user agreement, I was however hoping you might review the circumstances under which the non-payment and consider removing the negative trade line associated with this account from my three credit reports.

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 2020-12-13
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account appeared on my credit report and I dont now how it got there or where it came from. I did not sign a contract with this company.

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 2022-08-08
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three of the credit reporting bureaus XXXX XXXX, TransUnion, & XXXX  ) do not provide the proper information, web forms, or customer service center access for US military personnel and their families serving overseas to properly access their credit report, file a fraud alert, or place a security freeze on their credit file. At least two of the credit bureaus do not provide the APO/FPO/DPO state designators in their dropdown menus for entering a current or past address ( AA, AE, or AP ). When attempting to call the customer service centers, the automated menus do not allow the caller to request a representative and the automated service menu will close out the call if the caller answers the " security '' questions but the information can not be verified. XXXX, TransUnion, and XXXX  currently demonstrate they do not care about their customers, particularly those who have chosen to volunteer to protect the United States, our freedoms, and the human rights of people all over the world. XXXX, TransUnion, and XXXX  should be extremely ashamed of the way they treat all their customers and especially their lack of effort in serving the US military community all around the world.

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 2021-09-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello, my name is XXXX. Lately Ive been having trouble opening and account with certain banks due to my chase account being closed down. My account was closed down due to fraudulent activity that I wasnt aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This letter is in regards to some misinformation reported currently on my credit reports. I would like these items deleted immediately. I have a fraud alert on all my accounts so i dont understand why or how this is still happening. i am a victim of identity theft and i have asked these credit agencies to delete these items and they are still there. i have enclosed a copy of my identity theft affidavit. please delete these as soon as possible.

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 2018-07-07
Company: Experian Information Solutions Inc.
State: CA
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:
This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.

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 2018-07-07
Company: EQUIFAX, INC.
State: CA
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:
This ONLINE PAYDAY COMPANY XXXX XXXX pulled my credit report without my permission. They also hit my credit with hard inquiry. I did not give any permission to them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I had opened a card up with XXXX i didnt recieve anything i wasnt even able to put my card inforamtion into the computer all i was asked for was my my address i gave them my address which is the same as where my items had shipped ok a week goes by still didnt get my card or a statement ok calls in its XXXX at this point i ask the lady when will i recive the card she says in 7 to 10 days another 2 weeks go by i call them again and explain how i havent recieved a statement or a card yet from the company the lady says she willl put in for a new card and that the cards due date will change from that month to the next month of XXXX XXXX comes i called the second week explaining that i still havent recived a card or a statement what is going on same thing happens she says that the statement date will change because i cant even acces my account online without getting my card shipped to me XXXX the XXXX I called them and the guy said the same thing wheni called this time the automated voicemail said i now owe a late fee the guy said not to worry he will wave the late fee from the card for me because i havent had access to my account in the 1 st place and havent recieved a card or a statement today i called because this is all becoming too much and they said its now sent to the collection agency which i dont understend why she said i was 60 days overdue which doent make sence any and the tab is XXXX dollars im like for what reason when you guys said 2 times not to worry and now its in collection i asked how was i supposed to know and how was i suppsoed to know with no access to my account no email notification or anything not even a call from them no statement the woman told me i and continued to tell me that i put the wrong address in and that its my fault and to pay the money and get over it im like i want to talk to the company they refused to let me talk to anyone that wasnt in collections what doent make any sence what can i do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized XXXX transactions were sent using my Bank of America account, and mobile device. Bank of America denied my claim, even though Ive never ever sent money to the party that received the XXXX  transfers. They denied one of the transfers, and allowed the rest to be processed.

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 2021-04-09
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I've filed a dispute with the credit bureaus in regards to inaccurate items on my credit report. it has been over 30 days and i have not received any investigation results

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 2021-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state XXXX party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.

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 2021-04-09
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXXXXXX XXXX DE XXXX phone : XXXX. This company is charging XXXX dollars a month in interest fees. The charges amount to at least XXXX percent of the original balance. An original bill of XXXX is now XXXX. This is simply not right. The company refuses even to settle. I did sign up fo a revolving account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
This is to notify the Bureau of a letter I, XXXX XXXX, received from XXXX XXXX XXXX dated XXXX. XXXX, 2019 advising that a request for an increase in credit limit based on credit reporting info. from Trans Union had been denied. My problem is two fold : 1. I, XXXX XXXX did not ask for an increase in credit limit. I have since contacted XXXX XXXX XXXX who advised me that someone had fraudulently made that request online. Every time someone makes an inquiry about an individual credit, it lowers their score. Problem 2.  Trans Union and other credit reporting agencies are assigning credit scores based on fraudulent information. They and other agencies need to make sure the information they're basing an individual credit score is based on information that came directly from the customer and not someone who is evidently trying to commit credit card fraud. My credit score has plummeted from XXXX to XXXX in the last few months and it has to be because of activities by people other than myself. Why would my score go down so dramatically in just a few months when I have all the same accounts, they're all current, paid ahead of the due date, and I usually pay more than just the minimum payment that is required. I guess my biggest question is why is Trans Union and others allowed to report adverse information on people based on fraudulent 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 2020-07-24
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I currently hold a credit account with Capital One and the reporting account is XXXX. I have had the credit rebuilding card with Capital One for just over a year and have been making all my payments on time. I have an extensive history of making timely payments regardless of the agency backing my financing. 

However, my credit score is going down and not up. I was well above a 600 within a year maybe even at near half way to 700. When I log into the Capital One phone app I see the score, reported by XXXX, bobble up and down. I check the score monthly. For a year the score went up and bobbled a little but now it is just going down after every payment. These are not large payments right now. I'm not working a lot. The card is to help me with a small business. I have reported Identity theft of my IRS statement this year already. They tried to get me to pay for the stolen money. I could not believe that. I need someone to look into why my credit score is not being reported fairly. I have no open accounts with any other business other than maybe a few banks and one other credit line with XXXX  but, I don't use that card at all. Someone used my information to purchase XXXX with XXXX 's website so I stopped using it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: ALPHA MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
to the best of my knowledge XXXX. 
I have sign my contract and agreement to purchase my new home. 
I submitted a FHA mortgage application to purchase my new home. I looked online for some of the FHA mortgages to apply for a home loan and this bank was one of the banks I applied to. the amount for the loan was XXXX. after submitting my application for the loan the mortgage banker contact me and ask questions about my credit score. did not discuss the action I needed to take to improve my score. I was told the bank could not help me and my credit score was not higher enough to get a mortgage loan. and I was turn down. I have been working on my credit score and made some improvements.to able to purchase my new home. I am a US citizen and pay my taxes and a veteran widow. why do i have such a hard time getting a loan for a home?

Company response to consumer: Closed with explanation