BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-03
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On Wednesday, XX/XX/2019, at approximately XXXX XXXX EST, my brother XXXX XXXX called customer service to make a payment toward my XXXX Mastercard credit card account, I requested he only make the minimum payment of {$27.00}. XXXX spoke with a customer service representative by the name of XXXX, unfortunately XXXX not only confirmed the minimum payment due amount of {$2.00}, she also chose to provide my brother whom IS NOT an authorized user on my card with ; my total account balance and confirmed that my account is an interest baring account. None of this information should have been given to my brother, ONLY a proactive payment should have been accepted by this representative.

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 2021-02-14
Company: SYNCHRONY FINANCIAL
State: UT
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:
Account is showing charge off/settled for less. Account was paid in full and the company agreed to change that status through their law firm. 

This is for both the JC Penny account and Value City.

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 2019-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've tried 12 times to get my credit report from the XXXX website, or directly from Equifax and it has never worked. I was easily able to get my report from the other two companies. I've called Equifax multiple times and no one was able to get my report. For all intents and purposes, Equifax is not complying with the law.

Company response to consumer: Closed with non-monetary relief
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: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
CFPB Complaint Experian Report # XXXX for XX/XX/2018 Dear Sirs, Greeting. 

We sent a letter with Disputed Inaccurate Information listed on our Credit Report to Experian, XXXX XXXX XXXX, XXXX, TX XXXX to the attention of : Dispute Department Manager, on XX/XX/2018. 

We provided detailed descriptions of the disputed items and attached a Copy of Government Issued ID and a copy of Social Security number as a verification of identity, and allowed 30 days for them to investigate and correct the erroneous information appeared on our report. 

Experian responded on XX/XX/2018 ; with a fraudulent request ; for us to ( AGAIN ) provide Copy of Government Issued ID and a copy of Social Security number as a verification of identity!!!! 

We believe that Experian and its Managers are acting in bad faith and in a violation of Fair Credit Reporting Act, by STALLING the investigation process ; hence the gap of time listed above. 

We believe by stalling and demanding verifications of identity MULTIPLE times, they will brush the matter away and avoid the costs associated with the investigation process, in their fraudulent attempt to escape their fiduciary responsibilities and in total disregard to the laws and regulations ; with no intention of correcting nor verifying our identity, evidenced by the attachments that sent to them that was referenced in our dispute letter.

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 2021-09-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I received an email from XXXX XXXX stating a new inquiry was on my credit. I checked and Capital One Bank inquired on my credit on XX/XX/XXXX, yesterday, and I did not inquire at any moment with capital one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX are reporting incorrectly that I am 30 to 60 days past due on the XXXX XXXX  XXXX partial account number XXXX. ( Please see page 6 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: GU
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:
Every time I apply for A United Airlines sky miles credit card, chase declines my application claiming I was bankrupt and a plethora of other false adverse accusations of more than 7 years ago. I have not filed bankruptcy and my credit payment history is near perfect. I was also a victim of an identity theft where the culprits were prosecuted and incarcerated. The damage from that identity theft appears on my XXXX   credit report. Chase was given copies of the court documents and continues to discriminate against me by declining my credit card application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CITIBANK, N.A.
State: NY
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 a fraudulent check of {$2900.00} was deposited on my checking account. As per the mail that i received from Citibank on XX/XX/XXXX. As a result ; the bank locked all my accounts that week. I called the bank that same XX/XX/XXXX to inquire about the situation ; i was told that a deposit was made in my account and a {$1000.00} was taken out from the ATM. I informed the bank that i wasn't me. Then i called the bank on XX/XX/XXXX and spoke with the Citibank fraud department. I wasn't directed to the claim department that day. On XX/XX/XXXX after several attempt to get feedback from the bank ; i was directed to the claim department. A claim for {$1000.00} was submitted on my behalf. Then on XX/XX/XXXX i got paid from work ; i called the bank in regards to, y funds ; there was no fund. I explained to the bank that during this process i got paid from work twice : XXXX payment from my employer was on XX/XX/XXXX for {$670.00} then on XX/XX/XXXX for {$920.00}. A total of {$1600.00} was confiscated by the bank and i haven't heard anything about those funds yet. No one from the bank was able to give me any explanation into that. Furthermore ; then i was informed that on XX/XX/XXXX that the investigation will be completed by the bank and my funds will go back to my account. When i called Citibank at XXXX on XX/XX/XXXX ; i was told that my claim was denied with no further explanation as to why. I can't access my account online. I inquire about me employment funds. I was told that there are no funds available in my checking account.

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 2020-01-31
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I mail a check to my mortgage company which is PHHMortgage I sent out a check in the amount of {$1600.00} and I decided to check in on it which I do every month around the XXXX the company had not received my check so I told him I will few more days around the XXXX a call back they still said he hadnt received it so I waited till the XXXX I called back again and he said he still hadnt received it so I was told to withdraw the money out of my checking and word to them which I did they received it on XXXX PHh And then I asked them to stop payment on their end on the check number XXXX and then I will go to my bank XXXX  and stop payment which I did and charge me {$30.00} for stopping a payment on a check then on the XXXX I get a low balance text from my bank stating I am overdraft {$1600.00} the bank notified me that PHH sent the check to they were holding it in the checking department all this time and told me that it was lost somewhere and then he reported me to the credit bureau 30 days late which they have possession of the check the whole time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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: Account status incorrect

Complaint:
When I tried to get a new mortgage, I was informed that my credit score was  adversely low because Nissan Motor Acceptance Corporation reported a late payment of >30 days on our 0 % interest loan. 

There are 2 issues : 1 ) Since NMAC 's autopay function ( how the loan was being paid ) had an internal limitation of 5 years, but the loan term was 6 years, payments we authorized were not automatically pulled. The contact by NMC through spam-like email and calls did not register as necessary actions since we knew the account was on autopay ( in fairness - we did overlook some of the attempted communications ). By the time we figured out the problem, we quickly paid the balance, and the penalties to bring the account current - as it now shows. We contacted NMC to have them update the 3 credit bureaus with Paid as Agreed. They refused to do this, despite 5 years of perfect  payment, and resolution of the outstanding balance. They were not at all understanding of people ignoring emails and voicemails from a company that also happens to send relentless sales communications. We would like our credit scores updates with Paid as Agreed since everything is now current and fixed, due a misunderstanding stemming from their internal system limitations. 

2 ) How can a credit score for someone with significant net worth be so severely impacted by a {$160.00} payment being late for just over a month ON A ZERO %  INTEREST LOAN!!!! Seriously ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX - I called Capital Accounts regarding item on my credit report that reflects derogatory from XXXX XXXX. This company began calling me on XX/XX/XXXX regarding this debt and I advised them I do not owe the debt. I requested they provide me proof. They refused to acknowledge the dispute verbally and advised me to send the request in writing. This company has called me repeatedly using an automated dialing system and at which time I advised them I did not provide them permission to call my cellphone for any reason, I am billed for these calls. Each time they call I demand they cease contact attempts by phone. Even during the COVID-19 pandemic they continue to call regarding this debt and I have advised I refuse to make payment. I have been hung up on, yelled at, talked over, belittled and harassed by at least 20 employees at this company. Most recently on XXXX I advised I want proof of the debt and the agent told me already provided it and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Starting from XX/XX/2019 I have received repeated phone calls from Citi Bank they will call 7 days a week and leave voicemail after voicemail repeating the same information. It comes off as a courtesy call to check my citi account which means to make a payment towards my account. There has been several occasions where I have made a payment and the very next day the phone call start up again. I have blocked 4 numbers so far but the calls have yet to cease.

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 2020-01-20
Company: LEXISNEXIS
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I AM STARTING A NEW JOB HOWEVER I HAVE SOME ISSUES WITH MISS SPELLING OF MY NAME. MY NAME IS XXXX XXXX XXXX PLEASE DELETE ANY OTHER SPELLING OF MY NAME THEY ARE NOT ACCURATE. I HAVE SOME ADDRESSES ON MY CREDIT FILE THAT ARE NOT MINE. PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX/XXXX/XXXX Bank of America illegally charge me {$35.00} fee for Overdraft beside {$35.00} charge on XXXX/XXXX/XXXX which is correct but in total they charge me {$70.00} stay {$35.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 disputed three ( 3 ) accounts from XXXX XXXX more than three ( 3 ) times with XXXX, XXXX  and Transunion. These accounts are listed as : XXXX XXXX : {$580.00} XXXX XXXX : {$610.00} XXXX XXXX : {$400.00} XXXX XXXX is reporting this inaccurate information to all three credit bureaus. I have the right to a fair and accurate 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 2019-04-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
The credit card capital one bank USA n account XXXXxxxxxx amount {$1500.00} opened XX/XX/2011 isnt mine please remove this from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Nelnet, Inc.
State: WA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Nelnet changed the monthly repayment amount on the standard repayment schedule for my federal student loans without notifying me of the change. The amount increased from {$330.00} to {$530.00} and first occurred when Nelnet auto-debited my account on XXXX XXXX, XXXX. Aside from the monthly payment reminder that I received via email on XXXX XXXX, I received no other notification that my standard amount had changed. I called on XXXX XXXX asking for clarification and was told that they had sent an email and a letter to me in XXXX. Having experienced other communication issues with Nelnet in the past, I keep organized records of all correspondence I receive from them and have no emails or letters matching what they described. They responded that the letter had been sent and that I must have lost it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: NV
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 contacted CREDIT BUREAUS on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My father and i have the same name, he is XXXX and i am the XXXX. His credit card is showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Transunion XXXX XXXX XXXX is showing a balance it's a charge off charge offs are not allowed to show a balance I have disputed this 3 times with them and I sent XXXX XXXX XXXX a VOD they never responded I sent them this proof they deleted it and then 2 months later they put it back on my report I did not get a re insertion letter I laws say they suppose to tell me before they put it back on. 
3. This first time I disputed it XX/XX/2018 I waited 45 days with no response they suppose to have deleted everything then they did not

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 2019-04-05
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Belkclosed my account after I paid my credit card off. Companies should not be able to close a card/decrease credit they have issued to you unless you make late payments to them. They should not be allowed to change or modify your account with them because of other things that occurred with a different company after you were showed to be worthy of credit with them unless they clearly submit it in writing to you or ask you over the phone. I had fraud and that affected my credit, but that never affected this account. I paid my Belk card off on XX/XX/2019 and then they closed my amount. That is very deceptive.

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 2019-04-03
Company: Mullooly Jeffrey Rooney & Flynn
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the XXXX time ( 2016 ) I was contacted through mail from XXXX XXXX XXXX that I owe money to their firm. I have enclosed my judgement  proof of XXXX ( Supplemental Security Income ) as well as XXXX XXXX XXXX check stubs to provide proof of my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XXXX  business card continues to show up on my credit. This is a business credit card that is associated with a business I had a 25 % stake in. I sold my portion of the business in XX/XX/2018. This credit card should not be on my personal credit report. Also, the current owners have agreed to a settlement in this account. It is reflected that the account is a charge off and still owes around $ XXXX. The owners agreed to the settlement of {$13000.00} and have made {$250.00} a month payments for 3 consecutive months. It is showing on my credit report as no payments made. I want the credit card removed from my personal credit. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
1 ) I called XXXX and told customer service to help me purchase 3 XXXX XXXX tickets. Instead, the agent misunderstood and sent me to a link and directed me to purchase 3 XXXX XXXX California tickets. Upon arriving at the gate of XXXX XXXX, the ticketing staff noticed the mistake and told me to call XXXX to correct the error. XXXX refused to take responsibility by saying they cant verify their agent made the mistake, a complete lie that they know they will be able to get away with because they can technically just WITHHOLD any recordings. I was forced to buy 3 tickets at the door from XXXX XXXX on my other non TD credit card, which I can prove if necessary. 

2 ) I called TD Credit card disputes to report the issue, and they somehow decided the case against me, failing to protect me from unauthorized transaction. I give XXXX authorization to charge me for what I requested, not for what I never requested. Therefore, the charge should be void. Instead, TD refuses to even let me appeal. I canceled my credit card because its clear they dont want to protect their customer, me in this case, so there is no point in continuing to use the card. 

3 ) TD bank didnt even bother to ask me for additional information to help with the case. XXXX sent them a bunch of screenshots that show me purchasing the tickets online, but that was at the direction of their sales agent. They said these were the right tickets!!!! I took their word and got screwed. Criminal on part of XXXX to deny their mistake.

Company response to consumer: Closed with explanation