BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see the attached FTC report and remove the unauthorized inquiries. I have already attempted to contact the credit reporting agencies regarding the inquiries. Please keep in mind that I have included all of the unauthorized inquiries reporting to all XXXX credit bureaus, so if there is an inquiry that is on the report that you do not see, then please remove the inquiries that you do see. This is to avoid the stall letters that you always send back stating that the inquiry is not on my report. This means that is on another report so disregard and remove the others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: PA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: SYNCHRONY FINANCIAL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Ive bought 3 painting from park west gallery XX/XX/XXXX XXXX.they finance it on MySynchrony park west card. At the moment the garantee that no interest or fee will be charge. Back to XXXX, i tried to make the XXXX $ tranfert to clear the card. The wont recognise my bank info so i cant transert the money, ive try 4 time ( with the XXXX banking code given by my bank ) between the XXXX and XXXX of XXXX. In XXXX i send a check of XXXX $ can by mail they refuse it ( banking info error ) i send one printed by the bank in XX/XX/XXXX same amout, they refuse it for the same reason. I offer them to pay with a credit card master or visa, they refuse. Now they are chargin me over XXXX $ and counting in late fees ... 

I dont know howto resolve this cul de sac but i need help Thank you

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 2021-10-06
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING COPIES OF ALL XX/XX/XXXXDEEDS GENERATED BY XXXX XXXX XXXX XXXX  XXXX OPTION ONE XXXX OCWEN DBA PHH MORTGAGE FOR PROPERTY LOCATED AT XXXX XXXX XXXX XXXX, XXXX GA XXXX. IN ADDITION, I AM ATTACHING COMMUNICATION FROM OCWEN 'S CONSUMER ACCOUNT ANALYST WHO APPEARED TO HAVE IN DUAL ROLES XXXX XXXX  WHO'S SUBSIDIARY IS OCWEN. HE STATED THERE WERE BASICALLY NO DEEDS FOR XX/XX/XXXX. APPARENTLY, DOCUMENTS WERE DELETED FROM THE SYSTEM. 
ALSO, WE RECEIVED NO LOAN AND THE ACCOUNT NUMBER NOTED WAS SELECTED FROM A BATCH OF FRAUDULENT ACCOUNT NUMBERS PREVIOUSLY AND CURRENTLY BEING SUBMITTED TO US. THIS IS WHY THERE WAS A NEED FOR AN INVESTIGATION. NO INVESTIGATION COVERS UNCLEAN HANDS!

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 2021-04-03
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX around XXXX, the pandemic began economic hardship so I checked on my loan to confirm it was done. XXXX confirmed no loan due and in good standing. Few months later XXXX contacted me about an outstanding balance and said if I only paid {$100.00} via phone they would waive balance. I asked if they were sure because account was cleared. I paid over phone. On XX/XX/XXXX I began receiving calls from a company named NCB and XXXX XXXX informed me that it had purchased debt from XXXX. I briefed him but had to let him go due to family deaths. A second call came but voice mail from NCB. Then XX/XX/XXXX XXXX XXXX of NCB Management Service called me about an alleged balance due of {$1700.00}. Informed her of facts and said I would complain to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Information belongs to someone else

Complaint:
Hello my name is XXXX XXXX XXXX, I am writing in regards to the information incorrectly listed on my file. I am requesting that these inaccurate items be deleted. The items I am requesting attention on are listed in the report. I am a victim of identity theft and did not make these changes. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 disputed a card with false charges and they did not remove it. I contacted the credit lendor and they apologized and send a letter to the credit bureau to remove it from my credit history. I disputed it again with the help of the credit lendor. I just got notice that the credit bureau is not removing it from my report. Why when the actual credit lendor says to remove it? You can contact them as you wish, they have already sent the letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: CITIBANK, N.A.
State: NC
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX I purchased a travel reservation through Citi 's travel portal ( this is listed as a benefit of the card ). This particular credit card offers fourth night free at any hotel stay booked via this travel portal. I was charged {$2500.00} total with fourth night free. I contacted Citi on XX/XX/XXXX ( they have a 180 day review policy ) requesting a price adjustment to {$1900.00} ( the cost of three nights given 4th night is free ). I was transferred to 5 different people 2 of which stated I should receive the adjustment, they simply were unaware of how to adjust the price, and 3 of which simply were unaware. One particular CS rep, XXXX, continued to state my price rewind would be denied. I continually tried to explain to him that this was an issue with the travel portal and he simply said he did not know how to further help me. It was not only a frustrating experience, XXXX ( CS rep ) stated that the credit card company did not have to provide me with accurate terms and conditions, which I know to be incorrect. He also stated the price is non-refundable- which I agree with ; I am not requesting a refund simply a credit for the price difference through Citi 's own travel portal for 4th night free. I currently should see a price credit of {$640.00} and Citi has provided no answers or solutions.

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 2023-02-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
In a letter dated XX/XX/2023, Synchrony Bank arbitrarily lowered my credit limit for my Amazon store card to {$220.00} ( please see attached letter ). This, despite my credit card account being in good standing now and ever since I opened the account. As you will note, the reasons for this decision that are stated in the letter have nothing to do with my account status. As you know, a consumer 's credit score is drastically impacted anytime an action like this occurs. In my case, this happened as a direct result of the action taken by Synchrony Bank. I should add that I have had four credit accounts administered by Synchrony Bank : CareCredit ; Amazon ; XXXX XXXX and Dick 's Sporting Goods XXXX All of these accounts were, or are now, in good standing. In fact, my previous accounts with CareCredit and XXXX were paid ahead of time with no interest penalty. Several months ago, Synchrony Bank arbitrarily closed my XXXX  account despite my excellent payment history with that credit card. Finally, the credit score of XXXX indicated in the letter, as reported by XXXX, is incorrect based upon my score of XXXX by XXXX today. I am sure you are aware that XXXX is the least reliable of the three major XXXX 's, as the XXXX  scores reported by XXXX are always lower than they actually are. Banks and other credit issuers must be made aware of the negative impact that are caused to consumers when rogue actions such as the one I have described here are taken.

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 2023-04-11
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased an online airline ticket from XXXX on XX/XX/2023 by using my Comerica Bank credit card. I purchased the ticket : a ) in USD currency b ) in the USA c ) from a USA-based website Unexpectedly, when I logged into my online account on XXXX XXXX XXXXXXXX I noticed that the bank had charged me Foreign Transaction Fees in the amount of {$220.00} on the USD amount of the airline ticket. I called customer service and even though I escalated it to a supervisor, they were oblivious as to the reason for the charge and refused to reverse the fees. 

I'd like to point out that I buy tickets from THE SAME airline company IN THE SAME way, FROM THE SAME website and FROM THE SAME US location at least twice a year. I use various other credit cards, which ALSO do have Foreign Transaction Fees BUT I've never been charged ones. It was the FIRST time I decided to use this Comerica credit card. Of course, the DEFINITION of a foreign transaction fee is when one uses the card internationally in a currency that is DIFFERENT from USD. Neither of these applied in this case! Moreover, that's in violation of the terms and conditions of the card and the definition of a foreign transaction fee. 

I have receipts and confirmations, and obviously everything is in a USD dollars. It's like if you go to buy a XXXX car from a US dealership and have price listed in the USD and pay in USD via a credit card and then discover that the credit card company charged you Foreign Transaction Fees because, you see, the company producing the car is XXXX. That's would be nothing but fraud! 

Comerica Bank has illegally and against it's own terms and conditions charged me imaginary foreign transaction fees. 

Attaching confirmation printout and one of the passengers ticket receipts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX, XXXX XXXX, I received three ( 3 ) phone calls during the day/night. 
It was the same voice saying he was from Amazon with a charge for {$720.00} charged to my Amazon account. He asked me to get on my computer, which I did not do. I hung up on his call. 
From my phone, I have these details : Name of caller [ 'pfisher ' ] : XXXX XXXX His phone # showed XXXX. 

After this third call, I got on my desktop and called Amazon Customer Service/Security and talked to XXXX XXXX . 

Short recep : as of XXXX XXXX, my Amazon account is closed/locked/suspended. Today/XXXX XXXX, I received a new credit card from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX 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 2021-11-02
Company: Experian Information Solutions Inc.
State: WA
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:
I want to point out every complaint I have done with Experian they have need followed the law. It states that Provide its reinvestigation findings to the consumer. After completing or terminating a reinvestigation, the CRA must notify the consumer of the results within five business days ( 15 U.S.C. 1681i ( a ) ( 3 ) ( B ), ( a ) ( 6 ) ). The CRA should provide, among other things, a revised consumer report and, on the consumers request, a statement describing the procedures it used to reinvestigate the allegedly inaccurate information ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ).

I am never told the procedures used in the investigation only that it came back verified or accurate. I dont believe an investigation ever happen and Experian can not prove that it did.

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 2021-10-06
Company: Comerica
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I found unauthorized purchase to my Direct Express Social Security card and contacted them about them. 
They sent me a letter saying that the charges I disputed were not found to be unauthorized. Therefore the unauthorized charges would be charged back to my account after they had added a provisional amount of {$720.00} to my account until their investigation was completed. 
The unauthorized charges were mad to XXXX which I have never made a purchase from. I am including a document from XXXX stating that there had been no purchase history from me on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Ive recently tried several times to receive my credit report. 
Every time i'm asked question about accounts and car purchases .I have never applied for a car loan or home loan. 
My credit isn't bad and for the last three years it hasn't increased. 
I would like to get the information of the person or persons involved in this. The credit reporting agency is not giving the information or a view of my credit report or assistance. The information on my credit report i haven't viewed due these verification and questions i know nothing about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
Fraudulent charges appeared on my account and XXXX from capital one told me that since this has happened before and because the chip was used, I will be charged for purchases that I did not make nor did I authorize. Capital one notified me of the fraud in the beginning which I didnt even know about and now they say I am responsible. They have no accountability and no desire to help their customers. She indirectly called me a liar. The insinuation that fraudulent activity does not happen to someone more than once in a one year was a foolish and disrespectful thing to say. After this, Im done with capital one. I will be filing complaints with every government agency you are regulated by.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
Company: Advantage Credit, Inc.
State: OH
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 looked on credit report again and see another company I have no clue about and why it's on my report. XX/XX/2017 ADV CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The backstory : In XX/XX/XXXX, my friend a realtor calls me to ask is everything okay with house. My response everything is great. He explains that the house was reported to the county for foreclosure. This was a shock to my wife and me. My wife calls the mortgage company Loan Care to find out the issue XX/XX/XXXX. Loan Care company said to contact the XXXX XXXX they will not talk to us. My wife contact the XXXX XXXX, the trustee states that we are behind in our mortgage payment of 6 months- {$14000.00}, my wife said how can this be we have proof of electronic payments to the Loan Care as well as the insurance being paid to XXXX out of the escrow company. The XXXX XXXX states we will not speak to you until payments are caught up, plus fines and legal fee ( {$24000.00} estimated ). My wife and me, tried to gather any money we could to pay this back by emptying are 401K ( {$20000.00} ), which we did not have enough. During this ordeal, we found out Loan Care in XXXX of XXXX to XXXX XXXX put the house in to foreclosure than removed without us every knowing, damage our credit even more. 

In XXXX, my wife and I contacted XXXX XXXX XXXX, with the understanding the law firm could stop the sale date, this did not happen. My wife and I were forced to sale the house XX/XX/XXXX the house for what was owned not what it was worth, to prevent foreclosure or bankruptcy. In XXXX, the law firm that was supposed to represent us, states that can not represent us, only after receiving payment of {$4000.00}. 

In the end, we lost our house, lost our mortgage payments, our credit-making it difficult to find a place to rent, lost our dignity, stressed out-family of 5 trying to hold it together. We did everything right, yet we are being punished with losing our home and our character.

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 2021-10-06
Company: Santander Consumer USA Holdings Inc.
State: MI
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:
Santander consumer has once again proven to be extremely unprofessional. Stating that they cant corroborate a claim made by me when in any other situation they would simply pull the phone call to verify that the information the agent or the customer is stating is in fact the truth. This company reported my car late for 120 even after it was stated and charged off as a stolen vehicle. Never recovered by me and literally being found years later. I plan to contact the police department and see if this company recovered the car because once again that would be unethical as most of Santander doings are and also illegal as it is double dipping. This company has stated for years that they never said that once I pay the charged off amount for a vehicle that was stolen that they would remove the negative remark off of my credit. Instead of just pulling the phone call they have continuously claimed that I am lying. Just pull the phone call as the date of the last payment is marked. Instead of actually investigating we simply have individuals sit in their office and say they cant corroborate. No research actually even done. For years this has been one of the most unprofessional companies. I have no negative remarks on my credit except this one. Im at the point where I am going to seek legal action due to this company continuously reporting a negative remark on my credit without doing the needed research to verify that their agent stated the entry would be listed as in good standings. I do not recommend this company and I will regularly report on this unfair dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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