BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-09
Company: TOWNEBANK
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, On XX/XX/XXXX, I made my normal monthly mortgage payment to TowneBank, on XX/XX/XXXX, I made a principal payment of {$5300.00}, on XX/XX/XXXX, Townebank transferred my loan to a new servicer without the {$5300.00} and kept it for themselves. After many phone calls, they finally sent the {$5300.00} to the new servicer on XX/XX/XXXX. Townebank refused to make the interest adjustment for the delay in applying the payment. They also refused to give me a written explanation about why they refused to make the interest adjustment.

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 2018-09-12
Company: FC HoldCo LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.

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 2019-01-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account appears to have been opened up fraudulently.

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 2019-01-08
Company: AMERICAN EXPRESS COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am unable to transfer my American Express Membership Rewards points to my XXXX account. After speaking with multiple representatives over the phone and chat, I am still experiencing the same error : " This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program. '' There have been multiple theories proposed by the representatives that include name mismatches and frozen accounts. Regardless, I need my points transferred as soon as possible ; however, AMEX 's exhibited incompetence leads me to believe that transferring my points will not be an easy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
company will not let me pay the {$500.00} which should be the amount of this debt. 
I tried multiple times to pay the debt but LVNN is charging XXXX which is more than owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The company is publicly reporting account information that contain several errors and information that is excluded under the Fair Credit Reporting Act. The company is also publicly reporting credit inquiries which do not belong on a consumer report. All of this information is being reporting without my expressed written consent. And the company has no authority over me to report anything with out my expressed consent. The information is defamatory and is intended to abuse me as a consumer.

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 2021-02-27
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/21 I sent a letter regarding inaccurate and misleading items on my credit report. As of today, over thirty days later, I have not gotten a response regarding the items I have disputed. In accordance with the Fair Credit Reporting Act Section 611 A ( 15 U.S.C. 1681I ) it clearly states a failure to investigate these items within thirty days gives a reason to immediately remove these items from my credit report. I demand these items be removed promptly in accordance with the law. My information was also impacted by the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a dispute with Chime Bank on Monday XX/XX/2020 regarding a credit not posted from a merchant that promised me a refund and even provided me with a refund confirmation number, which I forwarded to the bank. I was asked to submit a written statement about the dispute, which I provided to the bank on XX/XX/2020. At that time, I was advised my claim was eligible for a provisional credit under Regulation E and that it would be posted to my account by Wednesday XX/XX/2020. On Monday XX/XX/2020, my dispute was erroneously changed to " service not received '' and I was then advised my claim was no longer eligible for provisional credit. I immediately contacted Chime Bank to discuss this issue. I was told that it was escalated and they acknowledged the dispute type was changed back to credit not posted. I did not see the provisional credit applied to my account today so I contacted the bank. They advised me that " the time resets '' when a dispute type is changed, and that my claim is now again eligible for a provisional credit which I can expect to be posted by XX/XX/2020. I then asked to speak to a supervisor. After spending an hour and a half on hold, XXXX, the " supervisor in charge '' of the dispute department was extremely rude to me. He told me that I was not going to be receiving a provisional credit at all, and then hung up on me. I contacted the bank again and at this point no representative is helping me. I have sent numerous emails to XXXX and XXXX which have also gone unanswered. I have great concerns with the conduct of Chime Bank, as well as their mishandling of disputes. The dispute process is critical and consumers are typically reporting a dispute on their worst day. To have my dispute totally mishandled and be forced to wait an additional 2 weeks, making it almost 30 days before I am receiving a provisional credit is disgusting. Please help me fix this. It is crystal clear they are refusing to abide by Regulation E and are making their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive asked on several times for validation of this debt. And never received anything from this company that validate this debt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
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:
Hello, I had two collection accounts with a collection agency ( XXXX XXXX XXXX ), I contacted the collection agency and negotiated a " Pay for Delete '' agreement with them. I paid both accounts in full with XXXX XXXX XXXX ( Collection Agency ). After payment was posted on both accounts, they provided documentation that the account was now satisfied and Paid in Full, they also provided a statement in the same letter stating that the accounts in question would be removed from my credit profile. I submitted a dispute with Experian, XXXX, and XXXX to speed up the process of getting the accounts removed from my credit profile. Experian received and acknowledged the dispute and promptly removed one of the collection accounts from my credit profile, but did not remove the second account that was placed by the same company ( XXXX XXXX XXXX ) and provided the same documentation but did not remove the account from my credit profile. I have disputed the account twice online and once via phone, I have submitted the documentation several times stating that this account should be removed from my credit profile but Experian just updates the information after they have already removed XXXX account with the exact same documentation that was provided, and will not remove the second account. This needs to be rectified.

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 2018-09-12
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I Sent a certified letter to Transunion asking them to remove the inaccurate inquires showing on my credit report due to the fact it is hurting my credit score now that I'm in the home buying process and that I never authorize the company the following company 's pull my credit : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/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 ; But however i never received any update on my inquiry removal status or reasons they could not be remove. On XX/XX/XXXX I contact Transunion via Telephone hoping to  reach someone to help me with my current situation and also due to the fact inquires that fell off was placed back onto my report, but however again the customer service representatives where very rude and would not help take care of the negative inquiries reporting on my credit report. I have listed all inquires that is showing on 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 2018-02-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX  and the owner XXXX XXXX is a XXXX  XXXX XXXX criminal, they are using deformatory information on me when there is no tangible evidence to the claim, i dont give a XXXX who they are and what they do, i dont have any contract with these criminals showing any obligation to perform, furthermore thier criminal co-contractor friends are liars, I never received any ''bill '' from anybody and never received any ''varified complaint '' sworn to and notarized, which would substantiate a wrong-doing, so who the XXXX is XXXX, ,,,,,,, its a criminal extortion racket, there is no tangible evidence of any debt without a ''bill '' a statement is a whole different meaning, thats why i have a ''billing address '' and not a ''statement address ''

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 2017-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home in XX/XX/XXXXthrough Capital One. At that time, their appraisal value came in at {$360000.00} done by a XXXX XXXX. We knew it was low, ( we had it appraised earlier that year ), but accepted the terms which included private mortgage insurance, because we are nearing retirement and wanted a lower payment. In late XX/XX/XXXX, we requested to have the PMI removed. InXX/XX/XXXX we received a letter denying our request because the value of our home was now {$430000.00} and it needed to be {$440000.00}. We had gained value but not quite enough. This appraisal was done by a different person. We were given the option to pay the difference. Which brings us to XX/XX/XXXX. We requested to have PMI removed once again because we had increased our payments to pay off the difference needed and we were confident that we would have the value in our home because our area is very popular for families because of the school system. Again, XXXX XXXX came to appraise our home and even commented on the improvements that had been made ( outdoor kitchen, new roof, and granite countertops ). This time his appraisal was {$410000.00}, which is {$22000.00} less than it was 6 months prior by a different company. It needed to be {$420000.00}. I contacted Capital One and after their so-called investigation, they said that nothing could be done. I am not sure of my next course of action, so I am contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent multiple letters to Portfolio Recovery Associates,  collection agency, disputing accounts they have listed on my credit report. I have requested that they validate the debt by providing a copy of the signed contract from the original creditor with my signature on it. They keep sending me a computer generated form letter that states the debt has been validated and ignore my requests to prove their claims by providing my signature on a contract. They tell me that they are NOT required to do that. I sent them a copy the Fair Credit Report Act, Section 609, which states that if I request that documentation to validate a debt, federal law requires them to provide it. They are ignoring all my letters. I spoke to Ms. XXXX in the dispute department today who stated she will " order a copy of the contract ''. She stated to me that they are not required to provide a copy of the contract. Please explain why laws are written to protect consumers if collection agencies think they don't have to follow them. They are reporting multiple accounts to all 3 credit bureaus that have NOT been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
on XX/XX/2020 contacted XXXX at the Executive office to find out that my credit card is still not active. The account states it has a " fraud alert '' placed on the account. On XX/XX/2020 I contacted the early warning fraud department at Citi Bank as directed in the instructions via email. This was then removed upon my bank account information being verified. On XX/XX/2020 I then received a second email from Citi stating the same information, " fraud alert '' was placed back on the account even after previous verification. Upon proceeding to verify my information with customer service again, this time a supervisor, as I escalated the call due to my own suspicions. The account was unlocked and available for one day, I made one transaction for groceries and the account was locked again! I am facing financial hardships due to COVID - 19, not being able to use my account has resulted in a lower credit score for lack of credit usage, and has not allowed me to shop with  convenience. Due to my ethnicity, military veteran status, political campaign contributions, and or credit profile, I suspect this to be discrimination in lending and serious negligence by Citi Bank.

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 2020-10-16
Company: I.C. System, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had an account with ic collections agency for circa {$260.00}. I saw that the original creditor was XXXX and they informed me the amount was {$340.00}. So I paid them on XX/XX/XXXX. I disputed the amount both with the company and the 3 bureaus. Both XXXX and XXXX updated it to XXXX $ while XXXX correctly knocked the debt for inaccuracies off. I have since disputed every month with both bureaus, and the collections agency, and they report this collections is somehow valid and active. 
I've disputed with the company with the receipt only to be ignored. The agency has shown inaccuracies in the dates, failure to communicate, inaccuracies in their reported amounts, and failure to acknowledge my receipt.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have looked over my credit report several times and in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-10-16
Company: Experian Information Solutions Inc.
State: NY
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: Other problem getting your report or credit score

Complaint:
I have a credit card with XXXX XXXX XXXX ( " XXXX XXXX '' ). XXXX XXXX provides cardholders with online account management services ; these online account management services allows cardholders to, among other things, view balances, transactions, make payments and view the cardholder 's credit score. When I log into my account on XXXX XXXX 's website, my credit score is shown on the home page. XXXX XXXX 's website states that the credit score provided is " powered by Experian. '' XXXX XXXX 's website also states : " The score provided is your XXXX XXXX credit score. The XXXX display is intended for educational purposes only. The credit file used to create the XXXX is continously [ sic ] updated and the XXXX may not reflect the most current data on your credit file. To request a copy of your Experian credit report, please visit : XXXX XXXX XXXX. For more information on XXXX, please visit : XXXX XXXX XXXX. '' First, XXXX XXXX lists my credit score ( which XXXX XXXX states it receives from Experian ) as XXXX. Experian on the other hand, reports my credit score as XXXX. In addition, XXXX XXXX states that the credit score it  provides ( which is powered by Experian ) is the " XXXX XXXX XXXX XXXX. '' An Experian representative, however, informed me that Experian 's credit scores are based on the FICO 8 model. 

When I told a XXXX  XXXX representative about these discrepancies ( on XX/XX/2020 XXXX, I was told there was nothing XXXX XXXX could do about the issue, and because XXXX  XXXX provides my credit score at no cost to me, XXXX XXXX did not have to correct any inaccuracies.

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 2023-03-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
the collection agency handling this debt collection from the credit card company XXXX XXXX is reporting to the credit bureaus as unpaid although I have paid directly with XXXXXXXX XXXX the credit company reports as paid in full paid satisfactory the debt collection agency keeps trying to collect the debt that has been paid in full calling to collect debt and mailing the statement to send payment balance {$620.00}

Company response to consumer: Closed with explanation