BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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/2020, I was in XXXX XXXX. I XX/XX/XXXXfor a living and I'm based in XXXX. I was in XXXX XXXX on a layover. I was pickpocketed ( robbed ). My wallet was taken that included a XXXX XXXX credit card/XXXX Debit card/XXXX credit card and a Capital One credit card. All of the above companies except for Capital One immediately reversed the charge on the accounts. Capital One placed the amount {$2000.00} on a hold and then placed a " provisional credit ''. I recorded the conversation as per XX/XX/XXXXstate law. They advised that this would not be reported to the credit bureau. I had an XXXX credit score. 
Well, they advised all 3 credit bureaus that I owed them {$2000.00}. This has lowered my credit score by 7 points while they do their investigation. As they stated it will take 90 days for the investigation to be completed to see if they believe this was fraud or not. Strange, none of the other companies stated this. And, Mastercard, Capital One has a zero liability advertising for fraud/stolen credit cards. I know that eventually, they will find this to be fraud or I will sue them in small claims court. However, sending this amount to the credit bureaus is unacceptable. And, hurting my credit is unacceptable. Victimizing the victim is unacceptable. Poor customer service. As I stated, all other credit card companies stated that this was obviously fraud and immediately sent out new cards in overnight mail. I still have not received a new card from Capital One even though I will cancel the card once this investigation is completed. They need to contact the credit bureaus immediately to " make right '' what they have done wrong. Having an effect on my credit score is illegal. I've talked to Representatives at Capital One on about 20 occasions. I have had representatives tell me that it doesn't make sense that Capital One would have sent this information to the credit bureaus because they do so only on the XXXX of each month. Well, the robbery happened on XXXX and they advised the credit bureaus on XXXX. Their next reporting date would normally be XXXX. I think the agents that didn't care for me at Capital One felt this would be a good way to get back at me. So, by hurting my credit, I'm being penalized. I have a perfect 7 year history with Capital One and this credit card but they state that history of the account doesn't matter and only this one charge. They state that " they and they only make the decision as to whether this is fraud or not ''. I've never made a charge of this amount in my 100 visits to XXXX XXXX for work over the past 7 years. In fact, I've rarely made purchases over $ 100,00usd. I just feel victimized and helpless. This company has no customer service skills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage refinance with 5/3 Bank, with XXXX XXXX XXXX NMLS ID # XXXX ) XX/XX/XXXX. As of writing, XX/XX/XXXX, my loan is still not processed. While undergoing this process, I applied for a loan refinance with another bank on XX/XX/XXXX, which closed on XX/XX/XXXX. 

Initially process went smoothly, spoke with XXXX XXXX on the phone, submitted application online, and shortly after was asked to submit additional documentation. Nothing surprising or out of the ordinary yet. In XXXX, I started being asked for the same documentation I had supplied in literally the email that was being replied to by XXXX XXXX, the mortgage processor. The process was taking so long they had to pull my credit report again. This is when I applied with another bank. Email responses started taking weeks in XXXX and XXXX. XXXX XXXX would not answer phone calls during normal business hours, and would not call me back in response to direct email asking for a call. 

To highlight the gross ineptitude shown, employment verification was needed from my previous employer. I spoke to the employer 's office manager, so this was something they were waiting to do. An email sent to the employer on XX/XX/XXXX could not be opened by the office manager. They replied on XX/XX/XXXX with this information. On XX/XX/XXXX XXXX XXXX asked XXXX if a form could be sent. On XX/XX/XXXX, I sent a follow up email. On XXXX, XXXX replied that she asked if could be faxed. I'm not sure who she asked, because it was not to me or the office manager. Only on XX/XX/XXXX did she mentioned she needed a fax number, which she stated was requested ( but I have no emails from her requesting that ). So it took almost 1 month for someone from 53 to verify my employment, which required me to send multiple emails, phone calls and personally provide information that should have been requested/coordinated by the bank. 

I don't know if 53 bank does not wish to lend to me because of my race, religion, name, sex, whatever ; maybe they are so busy that refinances take more than 6 months for everyone ; this is just a case of gross incompetence ; or if this is a combination of all of the above. But at this point, another bank took <30 days to do what 53 could not complete in >6 months. I consider them to have abandoned my application and am requesting a refund of my {$450.00} loan application fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Chime Financial Inc
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
During the months of XXXX and XXXX of XXXX  several XXXX payments was made unauthorized to a XXXX XXXXXXXX on my chime account I disputed the charges and complaints because someone had hacked my XXXX account and they denied my dispute and this person got to keep my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: DISCOVER BANK
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:
15 U.S. Code 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose The creditor has reported that from XX/XX/XXXX through XX/XX/XXXX, my account payments were late or not made, which is false. The payments were all made and were on time each month. I have tried contacting the creditor and all three credit bureaus about the issue. Each time, they just report back that they can not change what my credit report says because the original report was accurate when in fact, it was inaccurate and is causing me not to be able to build my credit as quickly and efficiently now and is also causing me not to be able to get new credit with other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I paid my Sam 's Club Synchrony XXXX bill in XXXX, XXXX, and additionally canceled the card in writing, sending that with the bill. 
That bill was late, due to address changes & mail issues, and so I paid the late fees, canceled the card again in writing, and again, gave my updated address. 
I received a letter from Synchrony in XXXX, XXXX, stating they received the address change and updated my information. 
XXXX, XXXX, I was billed the annual fee for the card, so I did not pay the bill and, wrote that this was the third time I've told them to cancel the card. 
I have not used the card since XXXX, XXXX, and have " chased '' their fees ever since. 
They obviously changed my address, and when they said they updated my account in their letter noting such, I took that to mean that they canceled the card. 
Now they continue to bill the $ 100 yearly card fee, along with late charges from my refusing to pay the annual fee.

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 2018-07-26
Company: AMA Advisors, LLC.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home at the end of last year with Home Bridge Finical. I am not happy with the company and pray every day that they sell my mortgage to another servicer. I have never been late on my Mortgage still they somehow charged me a late fee which was damaging to my family to have to pay. They were not able to prove that I was late ( because I was not ). When I call into talk to a representative about this no one can help they state that I have to email them directly. Which also provides no support to my problem. CONSUMERS beware to never use this company!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
lenders have checked my report with out my permission

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 2023-06-03
Company: Synovus Bank
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: Information belongs to someone else

Complaint:
The attached unauthorized and unverified accounts were opened in my name fraudulently. I never gave my information to these creditors to open accounts with them. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: I.C. System, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX ) XXXXXXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

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 2023-01-07
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 had accepted a Settlement offer on a XXXX XXXX XXXX Personal Loan offered at {$1700.00} of a said balance of {$3400.00}. I paid {$1700.00} on XX/XX/XXXX and they still have failed to update the bureaus with the paid amount. The Credit Reports still indicate a balance of {$1700.00}. 
It should show as : CHARGED OFF ACCOUNT ; ACCOUNT PAID FOR LESS THAN FULL BALANCE ; PAID CHARGE OFF This is what is reported : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Reported balance Highest balance {$3500.00} OVERVIEW Highest balance {$3500.00} Monthly payment {$0.00} Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 0 month PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Unsecured loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX ( XXXX ) 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX : # 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 an 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 or 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 2022-03-04
Company: Professional Debt Mediation, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was reached By PDM INC XX/XX/2022 by representative XXXX XXXX who is unprofessional he called about a debt which is incorrect information. I asked for the validating documents about this debt which was sent next day and the document that have the client information on it is incorrect which i called and told them i want to speak with the client and they are and was never the management of this property. I carefully viewed the documents, The documents have incorrect client details in which I reached out to speak with client to solve this matter. I call PDM INC back and asked who did they contact to confirm this is correct the Supervisor XXXX XXXX stated he talked with the client and validated it was correct I called the client and the client on the paper work stated this is incorrect information. The client stated they never been over the apartment on the paper work. The client googled the correct Management over the property which was reached and they stated are not over the apartments. I also mailed a letter out to PDM to dispute and send more validating documents to support this debt the company did not answer my request they also over the phone asked me to get my card to pay a debt that has no supporting information to prove this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
Hello, I am here to complain about Chime Stride National Bank customer service. I wanted to talk about my dispute case. I lost a lot of money due to fraudulent transaction I opened up a case in XX/XX/XXXX and then it got closed out within 3 hours and I called them again to request for the documents of my closed case and why was it closed. They said I had to wait 10 business days meanwhile I reopened up the case again and they said the investigation will be solved on or before XX/XX/XXXX and they will provide me provisional credit on XX/XX/XXXX. However, they closed out my case again on XX/XX/XXXX saying no error occured and then I called and sent a email to them requesting for the documents they used to close out my case. Now I reopened my case again on XX/XX/XXXX requesting documents for my bank statement history, specific reason why they closed out my account, and documents of why they closed out my previous case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: AmeriHome Mortgage Company, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, my partner and I contacted AmeriHome to request an extension on our pandemic-related forbearance. According to the CARES Act law, it was within our rights to receive a forbearance for up to another 6 months. 
AmeriHome replied and asked that we contact them via Secure Messaging. So I had to resend the request immediately through secure messaging. 
On XXXX, we recieved a message saying that we had to call to review options. We tried calling, and were told to reapply online. When we reapplied online, we recieved a message to call. 
Over that next 3-4 weeks, I continued to email Amerihome asking if this meant that our extension was denied. Their response was that they " already responded to our inquiry ''. Their additional response said that we were now due for monthly mortgage payments as of XX/XX/XXXX and that the forbearance has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXXXXXX XXXX account # XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
On XX/XX/2022 XXXX PM Equifax issued a national announcement stating that Equifax issued wrong credit scores for millions of consumers. Due to this I am not disputing but demanding that Equifax remove any and all erroneous accounts on my consumer report for the failure of consent and privacy per 15 U.S. Code Subchapter II - FRAUDULENT ACCESS TO FINANCIAL INFORMATION. Additionally, Equifax failed to exercise their grave responsibilities, they were unfair, impartial, and did not respect my right to privacy per 15 U.S. Code 1681a - Definitions ; rules of construction & 15 U.S. Code 1681b - Permissible purposes of consumer reports Lastly, never instructed them to furnish this report or to create this report and never consented to this report in the first place per 15 U.S. Code 1681b ( 2 ) - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Profolio Recovery Assc has been threatened to sue and has reported on my 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  is incorrectly reporting account XXXX  XXXX XXXX XXXX XXXX number XXXX as 30 days. Delinquent. This is inaccurate and false report causing my score to drop significantly. This account was never late and has been paid every month promptly via ACH payroll deposits. Also Ive been impacted by the Covid-19 pandemic and qualify for relief under the CARES act. 

XXXX  needs to promptly return reporting and status to CURRENT/ Never Late. 

I am attaching all email correspondence from XXXX XXXX XXXX Bank from the last 90 dats showing account was current and they received monthly payments. XXXX XXXX never once sent any correspondence to me indicating account was past due. Only current and payment received.

Company response to consumer: Closed with explanation