BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
A couple days ago I received a hard inquiry on my credit report, one that I didn't authorize from capital one one XX/XX/2019. I didn't have the time until now to be able to send this, I believe the company just applied for a credit card and decided to send me one. For months I have been receiving advertising and papers from their company and all I have thrown away. Now I have a credit card from them, that I did not activate and I have a hard inquiry that I never authorized on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: AMERICAN HONDA FINANCE CORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My XXXX  XXXX XXXX was repossessed, I lost my job during the pandemic I couldn't make the payments they came and took the vehicle while I was sleeping. I am now in the collection for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: SYNCHRONY FINANCIAL
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:
I received a letter that synchrony bank reduced my credit limits because I charged more than my limits its incorrect

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 2018-01-31
Company: SYNCHRONY FINANCIAL
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:
I contacted the Original debtor and I spoke to th original debt company and offered a payment they agreed to remove it, However I still see them reporting it to th Bureau. XXXX removed it however thy did not for XXXX and XXXX. The debt is over 5 1/2 years old. I spoke to Walmart they said it stays on for two years for a total of seven however the debt is down with and the creditor is suppose to contact all Bureaus the remove the collection off of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
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: Information belongs to someone else

Complaint:
In XXXX, XXXX and XX/XX/2020. I have disputed bad inaccurate on my report. I was a victim of identity theft. I even sent my identity theft affidavit information to Experian. After the results finally come back, the accounts still appear. This is hurting my score and my credit. Please do a thorough investigation and please remove these items from my report. The XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  AND XXXX XXXX ACCOUNTS.

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 2019-01-12
Company: EQUIFAX, INC.
State: GA
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:
There were several car companies that inquired about my credit when I didn't give them permission to. I reported it to Equifax, XXXX, and XXXX and they haven't removed them from my credit report. The following creditors inquired without my permission : -XXXX  -XXXX XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX XXXX -XXXX XXXX XXXX   -XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX  -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX -XXXX  -XXXX  -XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31
Company: CITIBANK, N.A.
State: NJ
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:
We purchased international travel tickets for travel on XX/XX/XXXX ( XXXX flight ) on XXXX XXXX. The flight was purchased on Citicard ending in XXXX. We live in XXXX NJ area and our flight was from XXXX. While traveling to XXXX, we encountered an accident on XXXX XXXX that unfortunately took 3.5 hours travel time from home to XXXX  instead of the usual 2 hours. We reached 1 hour before departure time by which time check-in was closed by XXXX causing us to miss the flight. We asked XXXX to accommodate us on next flight at XXXX that same day. XXXX stated that we should call customer service using XXXX, which we did. They stated will do so with a change fee of {$700.00} ( vs. a base fare of approx {$2100.00} ), which is a substantial change fee for same day flight accommodation. We paid the fee using XXXX on their website ( receipt sent to Citicards ).  Yet, no ticket was issued until XXXX that day. We called XXXX about 10 times ( 10-40 minutes call each ) but ticket was never issued. We came back home and tried to pursue  the matter next day but to no avail. We then had no choice but to buy new tickets for same travel itinerary on XX/XX/XXXX. We disputed the transaction with Citicards but they stated that XXXX considered this as a loss of revenue for them justified not issuing the ticket. We sent documents to Citicards showing that our class of fare allowed for a change and that we had paid {$700.00} change fee. AT that point Citicards stated that time or a resolution had passed. We had filed a dispute within a few days of travel date. We have called Citicards at least a dozen times since XX/XX/XXXX when they sent us last communication. They keep saying they will look into it in next 4-5 days but never do. The airline has violated the terms of its contract clearly : first the original contract allowing us to travel with change fee, then contract governing the change fee when that change fee was paid. Both value of original ticket and change fee was made 0 by airline in violation of its own contracts. Since this case is a glaring example of lack of consumer protection and customer advocacy as well as a clear malpractice by not just the airline, but more importantly the credit card which is expected to protected the consumer in such cases as advertised the credit card company, we want to escalate the matter through BBB. Case details in Citicard system are as follows : Card # XXXX ; Case ID Numbers : 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 2021-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
This Account for XXXX XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

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 2021-05-31
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
This Account for XXXXl XXXX XXXX and several other account are wrong sent a response two months ago and have to get a response. the card has inaccurate information reporting across 2 different bureaus which is a violation of FDCPA. I sent a dispute 2 months ago and received no response this is hurting my ability to obtain credit.

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 2018-01-31
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Check Systems is reporting false and misleading information about me.  I want it removed from their system .cease and desist immediately.  I will contact my attorney , I will also charge XXXX that inaccurate info stays on my file starting today . Check systerm dispute XXXX. Remove asap or pay me XXXX daily .Ftc and BBB complaints.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Earlier this year I decided to join some friends for a trip to a concert, it was a last minute decision spurred by optimism and wanting to be around people again as quarantine loosened and businesses reopening. I was joining a group who I honestly didnt know much of aside from passing mention by my connection to the group who is the close friend that had invited me to tag along. Unfortunately I extended my trust in my friend to the rest of the group and the girl I was told to send money to for my ticket and lodging contribution. I sent her {$180.00} in total in two payments through XXXX XXXX, the first payment was {$80.00} for my ticket on XX/XX/2020. The second payment was {$100.00} for my lodging/ hotel contribution on XX/XX/XXXX. However this event/ small concert for I believe sometime mid XXXX ended up being cancelled due to covid concerns or restrictions, I heard about it and so I reached out to the girl to naturally ask her to send me my {$180.00} back. Another unfortunate result of my over trust was that I never got a phone number as we were in contact through XXXX where she had now blocked me, I had an email address for her XXXX XXXX but she was unresponsive. I tried futilely to ask for XXXX XXXX to help, I then called my card account bank, BECU, but I ended up losing my dispute/ claim. However I am rather unsatisfied because I was not updated or informed of any reasoning or evidence for the case decision, for a month and a half I received no news after my submission aside from the lone update that my dispute was lost and I could simply do nothing. I understand the route I had taken to end up here isnt ideal but since this is my situation, I am at the least exhausting my options due to how this year turned out and a need to scrape by until the new year where an employment opportunity awaits for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
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: Account information incorrect

Complaint:
I received a letter that XXXX XXXX reduced my credit limits because I charged more than my limits its incorrect

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 2018-01-31
Company: Lending Club Corp
State: SC
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 did not give permissible authorization for this company to check my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: MoneyLion Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
This was a credit building loan that I paid off on XX/XX/XXXX. I was told by the company that as soon as the payment was posted, I would receive the funds from my credit reserve account with in 5 business days. They later changed this to 14 business days once my 5 business days were met. I reached out jut too see what the hold up was and was told it is just pending and it should be good the next business day. A week went by and was told it was a glitch in the system and they will adjust it. I should receive it in 3-5 business days. Then almost 3 week later, on XX/XX/XXXX twice in one day, I reached out again. The first time I was told because my membership with them expired on XX/XX/XXXX and I will have to wait up to another 14 business days. He did not even give me time to respond before he disconnected the chat. So I called them. The woman on the phone told me it was something with another company and I would have to take a 1-5 business day wait to receive my funds that were in my credit reserve. This is unacceptable. I have not received any information that is consistent. I understand COVID is going on. I work for a bank also so I understand delays with working from home and such, but this is not right to not give me any constant information. It is making me worried that I will never get the money in my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The XXXX school I went to chose Navient as the holder of my loans, both Federal and Private. The problem I had is that the people who set up the loans for me at XXXX XXXX (in the beginning) didn't know what they were doing and did not get me the best payment plans. I didn't know that until years later when an employee (during a much later call) told me that the loans I was given was not a good loan for me.I could have had lower payments, or a better, more efficient plan than what I was currently on. That made me really angry. Because the payments were so high, I had to use deferments for a few years because I didn't make enough money in a low paying restaurant/catering job to pay my rent and other expenses AND $400+ in student loans. Once the deferments ended I had to figure out ways to pay, switching jobs until I finally made enough money to pay the loans. As it is, after all these years of paying I still owe $XXXX  more than the initial loan of $XXXX. Now I can no longer work at my job and I'm way past retirement age, deciding whether to give my social security and IRA retirement money to Navient, when I already don't have nearly enough money to last me the rest of my life, however long that may be. I would never encourage anyone to take on this kind of debt. The recruiter at the culinary school lied to me about what I would make once I graduated. It was a big mistake!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31
Company: CAVALRY INVESTMENTS, LLC
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: Information belongs to someone else

Complaint:
I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-14
Company: EQUIFAX, INC.
State: ID
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: Problem with personal statement of dispute

Complaint:
I'm trying to get my credit report for the last 3 years from Equifax and XXXX since I'm being sued by a company I've never heard of and neither company wants to give me more than 1 year reports. The suit alleges the debt occurred at least 2 years ago and I believe it is because of leaked info by one or both companies. I have 20 days left to file an answer with the courts since they gave me 21 days and I was served yesterday, this should be an easy download for them since they are so quick to report bad things but take years to resolve them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: SYNCHRONY FINANCIAL
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 got a credit inquiry from XXXX XXXX XXXX and I dont even fly. This is a synchrony account it looks like. Can you help?

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 2021-05-31
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Today is XX/XX/2121 and my 5th closing date for a VA Streamline refinance, IRRRL, is finally XX/XX/XXXX. with Freedom Mortgage. We had to hire our own attorney to do title work because Freedom Mortgage decided that they wanted to put both the tracts of land under the current mortgage, including a tract of land that was fully paid as security for the mortgage. Because we did not want a fully paid tract of land to be included in the mortgage for the refinance, we had to hire an attorney to do the title work ( keeping in mind that the this property never changed hands and everything should be the same as the current mortgage and title. The 4th closing was cancelled because Freedom Mortgage had the fully paid tract of land, tract XXXX, included in the mortgage and the land where the house sits, tract XXXX was not in the documents! The title work was completed by our attorney and sent to Freedom Mortgage a month ago. Again the delays by Freedom Mortgage are beyond comprehension. This is supposed to be a simple refinance, with no changes other than the interest rate. I continue to pay 4 % on the current loan when we could have completed a refinance with any mortgage company and been paying 2.25 %. I have not applied to another company because rates have gone up and my rate was locked at 2.25 %. I feel like a prisoner in this process that will never end ( and for no good reason ). What is supposed to be a simple refinance, has been in process since the end of 2020, XX/XX/2020. Freedom Mortgages careless regard for their customer is defeating. I am trapped into waiting for refinance because of a rate lock and I continue to wonder if the loan will ever truly close. In the meantime, I continue to pay 1.75 % higher interest every day. Freedom Mortgage should be compensating us the difference for every day that the closing is delayed and there should be additional restitution for all of the stress they continue to cause due to their excessive delays. I want this loan to be closed. Freedom Mortgage should be refinancing the previous loan which included the house and land it sits on and no other land. As a mortgage company, they should know that they can not ask for our other fully paid land to be added to the mortgage.

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 2018-01-31
Company: Concentric Receivables Management, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

i have a toal of 13 collections showing. This company took advantage of me and I want these collections removed from my credit report

Company response to consumer: Closed with explanation