BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have submitted complaints regarding CapitalOne and Master Card. My credit score was up until today XXXX now without notice or fault of my own my credit score decreased XXXX points as of today XX/XX/2018. XXXX  and XXXX   report this decrease I feel this is in retaliation for filing a complaint. I can find no reason for the significant decrease in credit score which is in my opinion highly unusual and irregular decrease.I have reviewed the credit reports and note no significant changes with the exception of one account not considered new and a small increase in amount of credit available. XXXX and XXXXare responsible for collecting and maintaining consumer credit reports in the U.S. These reports are then provided to subscribers, such as landlords, mortgage lenders and credit card companies. Lenders use these reports and credit scores to decide whether or not to extend me credit, it leaves a lot of room for interpretation. This recent credit score decrease, negatively impacts my  opportunities viewed by lenders who are deciding whether or not to extend me credit. The instant decrease would be a RED FLAG, even though I pay on time and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: SYNCHRONY FINANCIAL
State: TX
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:
on XX/XX/18 XXXX XXXX placed a collection account on my credit profile for the amount of {$2000.00} which I do not owe. I did not open this account, I did not authorize this account to be opened in my name, I had no knowledge of this account. The original creditor is listed as SYNCHRONY BANK ( Banking ). Which I do have accounts with and all are in good standing. I tried contacting Syncrony 's fraud  department and they claimed to have no record of an outstanding unpaid balance under my name. The only accounts they have record of are the accounts I currently have which again, are in good standing. 
I have tried disputing this with both XXXX XXXX over the phone which they claimed an investigation would take place and I would be mailed the results, that never happened. 
I filed a dispute with all 3 major credit bureaus and they came back as " VERIFIED AS ACCURATE '' but could provide no information how it was verified as accurate and told me to take it up with XXXX XXXX. I have tried in good faith to resolve this issue and I find myself constantly being shifted around from one company to another trying to have this 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 2020-09-25
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: Investigation took more than 30 days

Complaint:
I have been sending dispute letters asking for this egregious charge-off to be removed from my report as they have not provide the original credit agreement or original contract I signed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied right away and I dont know why?

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 2020-04-28
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:
On XX/XX/2019 I a letter from XXXX XXXX Card indicating there were unauthorized transactions to my new card in the amount of XXXX. A card that I did not receive! Apparently someone used this card fraudulently. 
I contacted XXXX and they told me that they are in a process to close the account but they never did. Not only that, they keep sending letters requesting a payment and warning for penalties. I requested that these transactions do not appear on my credit report and to issue me a new card. Although the bank rep promised that they won't report this to the credit bureaus I recently found out that they actually did and that effected my score dramatically. Up until this incident has occurred, my score was around 750  and afterwards it went down to around 570.

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 2020-04-28
Company: SYNCHRONY FINANCIAL
State: NV
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:
I have been in the middle of a refinance for about 6 months. So I would not have opened any new credit. I received an email stating that there is a late payment on my credit for a PPC account. I never opened up this account and now there is no one to speak to at paypal regarding this!!! Again, I am in the middle of a refinance on my house and my credit score just dropped only who knows how much because of a missed payment on an account that I didn't open up and there is not one single person to speak with about it. Oh goodness I am over the moon with frustration right now. The reporting agency can report a derogatory status on my account but not answer phone calls! Is that even legal? Shame on you Paypal! I sincerely hope there is something you will do to fix this. I have not been late on a payment in years ... ugh It is item number 17 on my credit report at the top of page 10/33.

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 2021-10-20
Company: Medical Society Business Services, Inc.
State: AZ
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:
The collection was paid with the understanding it was going to be deleted with payment but has only been updated to paid status. I have reached out several times. I was told a deletion letter was also mailed out to me only to find out after the 4th time I reached out the printer isn't working, fax is broken and they are unable to email me a letter. Each call is a different excuse. I would like this account deleted ASAP due to erroneous collection tactics. Account was paid and cleared by bank XX/XX/2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: JPMORGAN CHASE & CO.
State: NJ
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
back in XX/XX/XXXX i looked at my credit report and saw a account that did not belong to me i sent the credit bureaus the information the the account was not mine the did not reply the account was from XXXX XXXX, XXXX XXXX in the amount of XXXX on XX/XX/XXXX i was in XXXX at the time the account was open

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, american express closed all my credit cards without fair reason. Before closing, i have XXXX membership reward points and XXXX pending points, plus {$100.00} + cashback on my account. 

After closing, they just drained all these points and my cashback. I have already paid about 4x $ 550+ $ 295+ {$95.00} annual fee ( total $ 2600+ ).  After renewing these credit cards and paid all annual fee within less than several month, they cancelled my accounts and my cashback and points. 

This is unfair and really disappointing. I demand the annual fee refunded and give back all my rewards points ( XXXX ) and cashback. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Consumer Portfolio Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a letter from the attorney of Consumer Portfolio Services stating Consumer Portfolio Services would discontinue pursuit of the debt. The company stated they stopped reporting years ago. However, on XX/XX/2020 it shows still being reported as owed debt. This is stopping me from purchasing a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am filing this complaint due to no course of action being taken by the following XXXX, XXXX, and TransUnion. These accounts do not belong to me. These accounts are fraudulent. I have filed a complaint multiple times and have not been formally notified to a resolution to the accounts listed below. I am requesting that these accounts be removed from all three reports immediately. If these accounts are n't removed in a timely manor I will take further action against the credit reporting agencies. 

XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$1200.00} Terms : High Balance : Limit : Past Due : Payment Status : Unpaid XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : {$340.00} Date Opened : XXXX/XXXX/XXXX Balance : {$8400.00} Terms : 64 Months High Balance : {$6900.00} Limit : Past Due : {$8000.00} {$8000.00} Payment Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : {$63.00} Date Opened : XXXX/XXXX/XXXX Balance : {$560.00} Terms : 9 Months High Balance : {$560.00} Limit : Past Due : {$700.00} Payment Status : Charge-off I also, noticed that the last payments have not been deleted on my student loans. I am also, going to file a formal complaint if this is not handled appropriately. 
XXXX XXXX XXXX OF XXXX, XXXX XXXX XXXX OF XXXX, and 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 2021-05-06
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:
ive noticed a few new inquiries on my credit reports this is a violation 15 usc 1602 ( p ) UNAUTHROIZED USE and 15 usc 1681b ( a ) ( 2 ). Ive attached an FTC report. 
XXXX XXXX XXXX XX/XX/21 XXXX- XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Experian Information Solutions Inc.
State: FL
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:
Your company is XXXX me the XXXX off!! What the XXXX are your doing. Why did you take off XXXX Bank for? No XXXX reason!!! Never told you to do this!!! Read my information. Now I am getting a lawyer and suing!!! Big time I have snap shots proving XXXX Bank was on my XXXX XXXX credit report. I asked XXXX and Experian to add it to my reports its still not on here after 5 years. This matter had nothing do to this your company XXXX XXXX. Wow!! You people are insane. It was in good standing. XXXX XXXX now have XXXX me off for the last time. No reason for this XXXX!! Read what I tell you. Read my complaint. Put back my XXXX bank line of credit now!! I calling police making another police report and calling. Y lawyer see your XXXX in court!!!

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 2019-01-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
HSBC promised a new checking account bonus of {$200.00}, all the required tasks I completed to receive the bonus but they are denying it because I was a HSBC credit card holder. The terms on the bonus when I opened the account said that customers who held an HSBC consumer deposit or investment account previously were not eligible but a credit card is neither of those.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient has been terrible about providing accurate and timely information. Neither myself or the cosigners are ever notified of status changes of the loans or payment changes, therefore late fees incur alongside other unnecessary fees. Customer service is often not helpful and provides varying information between the cosigners and myself when contacted. I honestly feel that I know nothing about my loan because of the lack of information provided. I don't get mail from Navient and seldom receive emails. I do not even receive confirmation when I call to address errors or issues. I feel that I am being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a charge for {$140.00} to XXXX XXXX XXXX that was charged of and is still reporting a balance, also capitol one report a debts of {$700.00} but the charge shows as charged off as in they received payment from IRS in 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion has took more than 30 days to complete their investigation and still has not removed the items disputed from my report! None of the agents act like they know what Im talking about when then call! Transunion has also reinserted a XXXX XXXX account that was removed from my consumer reports! This is a violation of federal law pursuant to 15 usc 1681i. 

Transunion has also failed to remove accounts XXXX XXXX Card Service and XXXX XXXX XXXXrom my consumer reports and it has been well over the investigation time. 

Transunion has also failed to remove two inquiries from my consumer report after I submitted a FTC report weeks ago! 
XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021

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 2018-11-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Last XXXX XXXX was hit by a hurricane and Capital one said they would waive any late fee 's or any late payments. I was just notified two weeks ago that they have reported to all three credit agencies that I was late over a 150 days,. This has ruined my credit and I want them to change this to not being late Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-20
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
following up this complaint # XXXX I also believe that the lady in the apartment above me might be ordering things and i'm being charged for them my account balance is always low or has the wrong amount in it. My apartment has be broken in multiple times i believe this the reason she always ordering from XXXX all my packages i accept no neighbor ever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or about XX/XX/2020, a representative from XXXX XXXX contacted me by phone and said they were following up with me on a request I made to my mortgage company to lower my monthly payments and assist with the loan modification I had requested with my mortgage company First Continental Mortgage on or about XXXX or XX/XX/2020. They said they could help me lower my interest payments and monthly mortgage payments. 

I sent them all the financial items listed in their email and formally requested assistance with loan modification or refinancing. They stated that I had to pay 3 consecutive payments of {$22000.00} per month using 3 separated post dated checks. I wrote them 3 checks for XXXX, XXXX, and XX/XX/2020. In XXXX I was contacted by First Continental Mortgage stating I had not made any payments and my escrow was now behind. I sent them proof of the 3 payments and my bank statements to show what and when I had made the 3 payments. First Continental stated they never received them and I now owe {$1700.00} in escrow due immediately. I paid the {$1700.00} the next day to cover my escrow. First Continental confirmed they received that payment. 

I told them about XXXX XXXX and they suspected fraud. I began making payments to First Continental again in the amount of {$2800.00} payable by cashiers check, I made 5 payments totaling {$14000.00} to First Continental. I also requested a forbearance or loan modification with First Continental on our about XX/XX/2020. I submitted all the financial documents and now they wanted payments of {$2900.00} mo. I said wait, I can't afford the payments I have now and I've asked for a loan modification to lower my payments, why are the payments increasing? 

Then I received a letter returning XXXX of my cashier 's checks that I sent to First Contenintal Mortgage. They are no longer accepting any payments from me and I can't get anyone to respond to emails or phone messages. When you call each call lasts a minimum of 45 minutes and then it disconnects. No response. 

I am the sole XXXX  of my XXXX year old elderly mother and I help my son take care of my XXXX year old grand daughter. This is our only home and I'm scared we are going to be foreclosed on due to fraud or foul play. 

All we are asking is for assistance to refinance the mortgage to lower the payments to a total {$2000.00} including escrow.

Company response to consumer: Closed with explanation