BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: Synovus Bank
State: SC
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 mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2019 and again XX/XX/2019, I tried to dispute with Experian and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal identification documents and yet no response or movement towards resolving the matter.

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 2021-09-15
Company: TRUIST FINANCIAL CORPORATION
State: FL
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:
suntrus XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application

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 2021-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, I entered my bank 's application and I realized that there was less money than I should have, so I began to review all the charges, because it is a business account ; and I realized that there were many charges which I did not recognize in total there were 11 charges which are the following : {$12.00} XXXX XXXX {$150.00} XXXX XXXX  {$170.00} XXXX XXXX XXXX {$270.00} XXXX XXXX {$110.00} XXXX XXXX {$250.00} XXXX XXXX {$170.00} XXXX XXXX {$560.00} XXXX XXXX {$160.00} XXXX XXXX {$1700.00} XXXX XXXX {$300.00} XXXX XXXX TOTAL : {$3900.00} On the same XX/XX/2021, I called the BANK OF AMERICA call center to report the charges that I did not recognize and they told me that they would give me a provisional credit in the next 48 hours, while the investigation concluded. 

On XX/XX/, I received a letter from BANK OF AMERICA saying that they could not return the money to me because I had authorized all the charges and that the documents that proved it were attached to the letter, in which there was no attached document ; The amount of the letter was the amount of {$3000.00} and not the actual amount, which I said previously. That same day, I called back to the BANK OF AMERICA customer service center and they told me that in order for the investigation to be reopened, I had to send a fax explaining everything, which I did immediately. 
On XX/XX/ I again spoke to the BANK OF AMERICA call center to find out the resolution of the problem and they told me that it had again refused because I had made those charges and that in the message box of the BANK OF AMERICA application it would find all the evidence that proved the resolution of the investigation and that all I could do was go to the police. It is worth mentioning that I entered the mailbox and it was empty On XX/XX/ I went to the BANK OF AMERICA branch, I told the executive the whole situation and again called the BANK OF AMERICA call center and on the call they told her that in each purchase I sent a copy of my passport to confirm each purchase, which is not true. I have already requested several times that they send me the evidence where I send my passport and they have not sent me anything. 
I have been with the BANK OF AMERICA business account for about two years and nothing has ever happened. I have moved a lot of money in that account and it is not possible that when I need support they turn their back on me.

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 2018-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
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:
On the morning of MondayXX/XX/XXXX we were contacted by Capital One regarding potential fraudulent charges that someone was attempting on our account. We confirmed that indeed the charges in XXXX  for 3 airline tickets were fraud and to please decline the charges of {$1200.00} x 2 and {$1400.00} totaling {$3900.00}.

On Tuesday, XX/XX/XXXX we followed up with Capital One, rather than declining the purchase they posted it to our account. We were told that we are not responsible for the charges and they would be removed.

On Wednesday, XX/XX/XXXX we were told that it could take up to 72 hours for the charges to be removed, however, they would still be held against the credit on our account for 30-90 days while they were investigated.

Fast forward, XX/XX/XXXX, the charges are still posted to the account and have not been removed from the account. In fact, I was advised that the charges were not marked as fraudulent and they are still posted to my account as accepted charges.

Finally I was transferred to a person is the fraud department who has advised that they are now marking the transactions as fraudulent and it will take another 72 hours. Until my account is credited back funds for these charges ; however available credit will still reflect these charges. This affects my credit score.

This is the 2nd time airplane tickets were purchased against this account ( different card number ) by persons in another country. Capital One 's treatment of fraudulent charges is unacceptable. I am fortunate in that I do not need to use this credit now, but other persons going through this same process may not be as lucky.

What protocol does Capital One have in place to protect identities of its customers? We had our account compromised a few months ago ( twice ) and our cards replaced ( twice ) and this third time in less than 6 months really raises the question what the heck is going on with them. I feel, that by withholding the credit on my account till they can investigate, even though there is {$0.00} liability ( per them ) is tantamount to holding me hostage ; you know, in case they can not work out the charges with the vendor, they have a place holder so that they can try to squeeze the funds out of me ( what they told me last time ). If there is {$0.00} responsibility, they why are they holding up my credit, showing that I have charges of this amount against my account when I do not.

I hope that you will investigate. I can not be the only person this is happening to.

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-27
Company: Midwest Recovery Systems
State: DE
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:
MIDWST RCVRY {$500.00} XXXX XXXX XXXX XXXX XXXX They claim from about 7 years ago and just appeared on my credit report XX/XX/2017 I disputed and added a fraud alert to my XXXX  and XXXX XXXX reports and also disputed with MidWst RCVRY  who claims I need to file a police report after all these years ... this is not mine. I had roommates years ago who could have accessed my info and accounts. I want this removed ASAP as it is affecting my credit & I just had begun building it, as a single mom putting my XXXX of XXXX through college. I could lose my ability to help her. I have other debt that I have no problem paying for, but this is unfair to add an account that no police could investigate this many years later and why are they just now doing this? Fraudulent. Unfair. I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Citibank manages the sears credit card services. I have had a sears card for 35 years. I received a notice from citi threatening cancellation if i didn't use the card. Sears have closed stores, no catalog sales, and less than stellar home service. When i received the actual cancellation it was for reasons other than non use. The reasons used were extremely derogatory. The cancellation was negative to my credit. I have never had historical issues with sears. The account balance was XXXX. Citi was contacted. Someone from the executive office called with corporate boilerplate. The citi response is totally irresponsible and therefore unacceptable.

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 2019-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Every month I send Capital One a check for the regular monthly payment, and I include a separate check for XXXX $ clearly labelled PRINCIPLE ONLY. They then take a portion of that XXXX $ PO payment and apply it to an additional monthly payment. I have contacted them 3 times and they will not stop doing this. I don't see how this is not theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: EQUIFAX, INC.
State: TN
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 contacted the company and credit bureau regarding this account reporting incorrectly. They have ignored the fact that the information is inconsistent amongst the bureaus of XXXX and Equifax. XXXX removed it. I would like for this account to be remove because the INFORMATION IS INCORRECT AND THE ACCOUNT IS OVER 7 YEARS OLD. 

XXXX XXXX AUTO FIN - {$0.00} Closed Overview You've paid off 100 % of the original amount. 

Balance {$0.00} Highest Balance {$17000.00} Monthly payment {$72.00} Opened XX/XX/XXXX ( 7 yrs, 1 mo ) Term months Payment History Last payment -- Current Payment Status Charge-off Worst Payment Status No Info Account Details Account status Closed Type -- Responsibility Individual Remarks Paid charge off Fixed rate Times XX/XX/XXXX days late XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX Rent Recovery {$3400.00} I notified leasing office of mold infestation was on a month to month lease, got charged for the filing of the eviction even though its marked as a broken lease and got charge two months in advance on a month to month lease. Informed the complex prior to moving that if problem were n't changed I would be moving due to health reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from grant & weber on XX/XX/2018. The company sent me an itemized bill from XXXX XXXX XXXX saying that i owe XXXX and the interest is XXXX. This is a hippa violation and i plan to sue grant & weber if they do not delete this information off of my credit report. I also do not have a contract with grant & weber.

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 2019-05-04
Company: STATE FARM BANK, FSB
State: PA
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:
State Farm Bank has had incorrect contact information for me for years, making it so that I have NEVER ONCE been contacted about any past due payments, collections, etc. The company has also been giving my financial information to another person without my knowledge or consent. I contacted them to update my contact info over a year ago and nothing was changed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I XXXX XXXX have been violated pursuant to Exclusions statue 15 U.S.C 1681a ( 2 ) ( A ) ( iii ), and Notice Of Requirements statue, 15 U.S.C 6802 ( a ), ( b ) Opt-Out ( 1 ) ( A ), ( B ), and ( C ) ; As a federally protected Consumer, I have a right to privacy, pursuant to abusive practices statue, 15 U.S.C 1692a and anything I deem private is in fact private. According to U.S.C 1681a ( 2 ) under Exclusions " consumer report '' does not include ( i ) ... information solely as to transactions or experiences between the consumer and the person making the report ; Transunion, XXXX, XXXXXXXX XXXX XXXX and XXXX have all violated my consumer rights to privacy, pursuant to the above statues. Additionally, I was not disclosed of my right to Opt-Out pursuant to 15 U.S.C 6802 ( b ) ( B ) as a federally protected consumer, I never gave written instructions or authorization to ANY information furnisher or reporting agencies to publish any misleading or inaccurate medical data on my consumer profile. This is a HIPPA violation and they are all civically liabile pursuant to 15 U.S.C 1692k.

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 2021-10-04
Company: Experian Information Solutions 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:
I have noticed multiple accounts on my report I do not recognize two time each XXXX Mortgage XX/XX/2021, XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, 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 non-monetary relief
Consumer complaint received 2018-03-19
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon reviewing my credit report with all three XXXXcredit bureaus I was informed that I have late or missing payments which I do not owe, and have been reported for more than a year as deliquent. Attempts to get written verification proved unsuccessful as the complaintant stated, " they did not have to prove anything to me. '' I am trying to purchase a home and this situation is preventing that from happening due to FALSE information being listed on my credit reports.In other words, this debt is NOT mine! 

Please assist so that I will not have to pay for legal help in this matter.

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 2021-09-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid XXXX XXXX XXXX in full yet they are still reporting to XXXX and Experian as collections.

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 2018-12-18
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Ditech. Although our taxes did not go up and according to our tax collector we are paid up, the escrow was raised by nearly XXXX  a month more making our escrow amount XXXX per month. There is no reason as to why it went up by that much. I called Ditech and spoke to the escrow dept. and they had no explanation except she said oh well that is what it is. Please help us because this amount is unaffordable to us making us behind. XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted XXXX XXXX XXXX who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my 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 2017-11-21
Company: SUNTRUST BANKS, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Due to 10 months of trying to repair erroneous credit reporting and a hack of XXXX and Dodd / Frank our credit destroyed. Consequently this is the result. Instead of having excellent credit we are no Low Life 's. In our opinion by experience false advertising, misinformation, misrepresentation has created this fiasco and you, yes you do nothing. You did nothing about the Reverse XXXX lender who created this mess. You did nothing about the Credit Bureaus. You did little to nothing about the creditors who reported wrong and added to this mess. Yes we got ourselves in deeper BUT if you would have been the agency you profess to be none of this would be on our backs today! The facts are many of these companies not signed up with you why????? I guess above the law?

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 2022-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The pandemic had just begun and I missed a single credit card payment Ive had this card for almost 3 years now and its the only missed payment Ive had. I called Chase to ask for them to remove it and they said no. So I was hoping you could do something about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
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: Account information incorrect

Complaint:
XXXX XXXX XXXX, on XX/XX/XXXX a representative named XXXX contacted me via phone and left me a voicemail to cantact them at XXXX. I contacted XXXX on the same day and spoke to a representative XXXX how stated that my account was past due in the amount of {$42000.00}. I informed XXXX that I have made all my payments and have been paying an extra XXXX above my monthy amout of {$1600.00} for a total of {$1700.00}. I informed her that I had done a loan modification on XX/XX/XXXX, with the previous mortgage company XXXX XXXX who sold my note to XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX by a representative named XXXX, stating that they had resolved my mortgage and my account was being updated to current but that it would need to be manualy imputed into the system as the computer would not reconize it. I specificaly asked if this would be reported to the credit agencies as Deliguent Account. On XX/XX/XXXX I recieved an alert from XXXX showing that XXXX XXXX had reported my account as Deliquent 30, 60, or 90 ... 
Now my Credit Score went from XXXX to 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