BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-30
Company: SYNCHRONY FINANCIAL
State: NC
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:
I applied for a credit card and made a purchase at XXXX  in XXXX, NC in XXXX or XXXX of XXXXThe card nor bill never came to my address. Around XXXX of 2020 I received an email stating I was being sent to collections. The bill was paid immediately. I applied for a XXXX XXXX XXXX  card in XXXX of XXXXwith XXXX XXXX XXXX XXXX and was informed my credit score was XXXX and would probably remain so for 7 years. My score had been XXXX for years. I got no help from XXXX or Synchrony Bank in person, phone or letter. Please assist me. I should not be punished because the card and bill were sent to the wrong address. My email : XXXX. My mailing is XXXX XXXX XXXX XXXX, NC 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 2017-10-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We completed numerous applications several times but the mortgage company continue to deny our request using incorrect documentation. My monthly XXXX income of {$3200.00} was terminated by the XXXX insurance company in XXXX XXXX. We both struggle with significant health problems that are extremely costly, have negatively impacted our credit profiles and we have been in the home for almost 25 years. It as if they are determined to make us homeless. Can you please assist us in getting a modified loan. 

In their most recent denial letter they notified us for the first time that many of the programs offered by the US government no longer exist and that they are not allowed to offer us assistance because of a formula dictated by the US government, they have to comply with. The information contained in their formula which they continue to use to deny us assistance continue to be incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
As a XXXX person, I use XXXX XXXX as my phone number as it does not make sense for me to pay extra for a cell phone that includes voice ( a service I would not use ). Some financial providers both require a phone number that is linked to a cell provider ( e.g., XXXX, XXXX, XXXX. ) and will not accept a XXXX XXXX number. Recently, Paypal decided to stop accepting XXXX XXXX as a valid number and will no longer let me make purchases. They are requiring that I use a " valid '' phone number ( e.g., XXXX linked to XXXX, XXXX, XXXX. ). This discriminates against XXXX people who use a XXXX XXXX number as they do not have a need for a regular cell phone subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
From XX/XX/XXXX - XX/XX/XXXX I had trouble making payments due to struggles while schooling and and injury preventing me from work. From XX/XX/XXXX - XXXX  XXXX, I had late payments due to the coronavirus causing me to be laid off from my job and not qualifying for unemployment. I reached out to Capital One and they wouldn't take off the reports of late payments but only temporarily reduced my APR which doesn't help me in the long run. I have started my job as an XXXX XXXX but it will be very hard for me to qualify for a mortgage because of delinquent payment history being reported on my account. Also, my payments are due the second of every month. I've noticed that if I schedule my account to be paid for the second of that month, sometimes funds will post either before the exact second of that month, or directly after, causing my payment to not count and it getting marked as late or unpaid. They never notified me of this and how it is affecting my credit long-term. This is unfair and I need help getting my credit better so I can qualify for business credit very soon and grow our economy by investing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive reached out seven times to contact his employer in regards to this fraudulent account that was open and the federal law I have reported this to the XXXX Police Department to the Federal trade commission and the consumer financial protection Bureau under federal law they must remove this account and stop putting this negative account to my credit agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: Bread Financial Holdings, Inc.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
HI i tried contatcing the credit union that had this issue on my report on them. I written in complants and I disputed it numerous amounts of times. I never was addressed the issue and they never did try to update or fix the problem that I was having .I got a paper sent to my address saying that it has been sent to an attoney and they sent papers the documents on this. It comes from comentity bank and it is XXXX XXXX XXXX XXXX is the number account that is all I can view based on the issue that is presented to me at the time prior to me having XXXX  this issue needs to be resolved I can not XXXX and uses XXXX and can not be bothered in this way and their has not been anything done about this at all just got worse and sent lertters to me. They also never helped me address the situation and get it fixed and removing this off my credit causing it to fall lower and lower durning the breech i was afffectted and my data was hacked I never checked it around the time but these days when I do i can see that it has some shocking items under it that is now mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, 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 status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. The inquiries are constantly reporting on my Credit Report.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Experian Information Solutions Inc.
State: NY
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:
The payment history on the credit bureau report shows 30, 60, 90, 120, 150 days past due for XX/XX/XXXX through XX/XX/XXXX for my HELOC account. During that time, the account was on a CARES act COVID-19 Forbearance. In XX/XX/XXXX, the account was brought current by paying the entire forbearance. Under the rules of the COVID-19 forbearance, when the forbearance was repaid in XX/XX/XXXX, all of the previous months should reflect as paid on time. 

Under the CARES act, COVID-19 Forbearances must not be reported as past due as long as the account was current prior to the forbearance, which it was. A properly reported COVID-19 Forbearance must not have any negative impact to credit score. 

I have filed a dispute with Experian, who in turn contacted my creditor. The dispute was closed with no change to the payment history on the account. The five months noted above remain showing past due on the credit report, which is incorrect. With the account brought current, they should reflect as paid on time. 

As a result of this reporting error, my credit score has dropped 100 points.

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 2022-04-05
Company: EQUIFAX, INC.
State: AR
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:
This company is in violation!! I asked for information and was supposed to receive the information in 15 days and didn't receive it. 
Notice, it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
called now several people starting with American Express credit card ... its an XXXX XXXX XXXX XXXX for {$25.00} and not being recognized... issued for points earned from. XXXX American Express credit card purchases... Last people talked to where connected with a " XXXX '' supposedly administering the card for XXXX American Express

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: JPMORGAN CHASE & CO.
State: AZ
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 used my credit to make a one time purchase with XXXX XXXX XXXX, this amount was authorized and subsequently paid. Three more unauthorized charges was made on the account and two were taken off of the invoice, the third charge was not removed from my account balance. After the first charge of {$120.00}. was initiated I called Chase bank on XX/XX/XXXX to have the charge removed advised them to stop ALL payments the XXXX XXXX XXXX since they were not authorized charges, those three charges were disputed. On checking my account balance and noticed that the charge was still on the statement I called Chase on XX/XX/XXXX @ XXXX and again on XX/XX/XXXX. I spoke with XXXX  who told me that the charge is in dispute and that I should pay the balance of {$69.00}. The original balance was {$180.00} less that disputed amount of {$120.00}. I paid the {$36.00} and the next month the said charge of {$120.00}. still reflected on my statement plus interest charges. I made several calls to Chase customer service and was transferred to the dispute dept. On XX/XX/XXXX I spoke with XXXX who transferred me to XXXX who hung up om me, then XXXX and the XXXX. I could not get any help from anyone and so I asked for a supervisor and that is when XXXX told me that there is nothing he can do for me. I told him that the amount of {$120.00} appeared on my XX/XX/XXXX and I disputed it then and now. I was given no help with this by Chase. I would like this amount returned to me with the interest I paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-17
Company: Paramount GR Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I was sold a solar system that has never worked as advertised and the tactics used by the sales team were probably illegal. everything they told me was a lie. The solar company has never tried in XXXX to fix replace or work out a solution and loanpal is the same. I'm a XXXX person and desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During my last weeks with XXXX, I made several attempts to make payment arrangements for the balance owed on my cellular phone bill. After having continuous phone service with them for 10 years, I was forced to port my phone number and take my business elsewhere due to their inability to work with my financial situation. I was unemployed but was starting a job in the next week ( XXXX XXXX, XXXX ) On the last day of my services I ported my number and transferred my business to XXXX XXXX. 
At the time of the change, I was leasing a phone ( XXXX XXXX ). So I expected there to be some additional fees but not the fees that they tacked on and keep adding to. My final bill was {$260.00} for usage, taxes and fees. There is also a Purchase Option Price for the phone of {$110.00} XXXX totally expected ). Then they added an additional fee of Lease Cancellation of {$590.00}, for a grand total of {$1000.00}. When I called after receiving this astronomical bill, the representative stated I 'd have to pay that fee whether I left or they disconnected my line. So I would not have had a choice. I am so furious with the way I was treated for years before finally getting mad enough to leave. And when I do I have to pay them for the privilege. 
This is wrong on so many levels. And to add insult to injury, They sent my account to collections before I even received a final bill. My last 2 payments with them were XXXX XXXX, XXXX for {$100.00} and XXXX XXXX, XXXX for {$45.00}. But they rushed and sent my account to collections without allowing me a chance to deal with the frivolous charges they added to the account. Also for a period of time after me leaving, they had reps calling me asking me to come back offering me all these discounts. But the fact that they have no one available in customer service to discuss your issues when you 're having the issues and their lack of care for my situation although I had been a loyal customer, no amount of money could get me to go back for more bad treatment. I did, however, ask about the final charges and was told it would be the payoff for the phone and my final bill. The lease cancellation was never mentioned. I also brought to their attention that upon getting the phone I was told I 'd be charged $ XXXX and they were charging me $ XXXX. That was one of the reasons I kept trying to call them. 
Please help me resolve this bill fairly. Thanks in advance.

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 2017-10-06
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: Personal information incorrect

Complaint:
1. Everything I apply for personal loans and credit cards TransUnion is saying my credit score is XXXX when it is a XXXX and Im being denied credit for that reason is there anyway that can be fixed other credit report consumer are saying different. 
2. I never leaved at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 2017-10-06
Company: Experian Information Solutions 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:
I sent a certified letter to Experian, regarding the inquiries on my credit report, asking them to investigate the inquiries that were not authorized. The XXXX tracking number is XXXX XXXX XXXX XXXX XXXX. I received an updated credit report back from Experian stating they were only able to remove a few of the inquiries and that I was responsible for disputing the rest of the inquiries with the creditor who pulled my report. I then called Experian and advised them that based on the FCRA, they are suppose to investigate any inaccuracies on my credit report. The representative then advised me that they can not dispute inquiries because inquiries are factual and that the consumers responsible for disputing the inaccuracies and providing them with the outcome. I then asked the representative if she could tell me where I could go to read about the information she was giving me. The representative stated she did not know where I could go to read about the information she was giving to me. I told her that she should know and educate herself on what she 's telling the consumer because she could be incorrect. The representative advised me that I would have to send every creditor a certified letter disputing the inquiry. I asked her if she was aware of how much it cost to send over XXXX certified letters. I also tried contacting the creditors who pulled my credit report and everyone of them told me I have to go through my credit bureau to dispute the inaccuracies. I am so confused and frustrated with theses credit bureaus not wanting to help the consumers.

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 2021-05-17
Company: Santander Consumer USA Holdings 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:
Chrysler Capital financed my car a XXXX XXXX XXXX it was totaled in an accident by another insured driver in XXXX of XXXX. My insurance Company Paid a settlement of over {$15000.00} and They were ready in 6 days to finalize the settlement from the date of loss. Chrysler Capital kept MY insurance company XXXX XXXX XXXX XXXX waiting til the first offer expired in 45 days. not only that they did not send my XXXX XXXX company XXXX XXXX XXXX XXXX XXXX a copy of the police report and this delayed the process further. I called Chrysler Capital repeatedly on behalf of my insurance company XXXX XXXX XXXX XXXX XXXX they ask me to call XXXX so the check for pay on the settlement would not cancel by issued date.And XXXX wanted to pickup the total loss car that they settled for. Furthermore, it was not Until XXXX, XXXX that I was told to contact my Gap insurance company. XXXX XXXX informed me that Chysler Capital did not send them the police report and this report was in the file from XXXX that had to be sent over with both company communicating specifications of the accident. Why I was appalled and after I gave my copy of the police report XXXX XXXX XXXX issued the balance on the car ( see uploaded documents ) .XXXX  XXXX, XXXX the check was sent for XXXX from XXXX XXXXXXXX XXXX XXXX XXXX settle the account in full.Chrysler Capital wrongfully charged my credit account of as bad debt on my credit report and still arre trying to blame me for there teams errors and i want help. I am still being XXXX by them with a letter to date of XX/XX/XXXX. I've submitted this documentation to prove my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-06
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was requesting a pre-approval letter from XXXX XXXX, Branch Manager of XXXX XXXX XXXX of Fairway Independent Mortgage corporation, and, on XXXX/XXXX/XXXX, I texted to him that I did Not want my credit report pulled for it. He agreed, and sent me a pre-approval form to complete. A couple days later, I received a call from an assistant or staff member of his indicating that my credit report was pulled, as well as my wife 's! I immediately notified her and XXXX XXXX to retract the credit pulls and he notified me that they may not be able to because they go through a separate company to pull the records. I last texted him regading this on XXXX/XXXX/XXXX and he said that he was still waiting on if the inquiry could be removed. Since then, I have not heard back from him.

Company response to consumer: Closed with explanation