BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-13
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a CareCredit Card with XXXX XXXX. My issue is that it is that the company is making it too difficult to pay off charges with extra payments in a way that avoids having their excessive interest rates kick in.
I have three different charges, with three different expiration dates (XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). Payments are made the first of each month, with minimums being applied to each of the charges. I can pay off the first one in time with three extra mid-month payments of {$600.00}. But to do that, they inform me I must cancel my autopay setup with them and call them on the exact payment day ( not a day earlier or later ) and make the minimum payments, add the extra payment, and tell them to allocate the extra to the first loan.
I suppose this is in the fine print, although the wording is extremely confusing. Nonetheless, I think this amounts to a kind of scam in that you must be super vigilant on your end just to pay them back. It 's unreasonable. You are trying to pay them early. They should be glad. But of course, then they lose the interest they were hoping to take from you because of their over complicated system.
I suppose an interest free card, even for medical costs, is too much to wish for. But why do doctors subscribe to these cards, if that is the case? Are the doctors paying them, too? Or does the card pay them a percentage of the accounts that end up paying interest because you do n't understand or do n't just through their very narrow hoop in just the right way?
It just smells of a kind of loan sharking scam to me, preying on vulnerable people with medical bills they are already struggling to pay off.
I have a transcript of my chat from today that I will attach.

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 2017-07-08
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am not an active credit user. I am a responsible consumer. I experienced a work injury and I had to file for worker 's compensation.. During the negotiation period, medical bills were piling up. Even though they were informed that it was a worker 's comp. medical case the office submitted my over due medical bills to the credit reporting agencies. I have requested often to have late payments, bills paid in full to each of the agencies, and they each take their time in responding to my request. Are they do not correct my credit report. and increase my score. My attorney XXXX XXXX has sent to each of the credit bureaus copies of the paid in full accounts. at least 3 times. I need my credit score corrected and increased and old medical bills and student loans reported as paid in full and removed off of my credit history. I was sure my score was high since I 'm not an irresponsible spender. Only to learn that I was given a low score because I did not have any debt. So, I made a purchase and started making payments. This purchase will be paid in full in the next few months. The company keeps trying to get me to make another purchase because of my prompt payment history.XXXX XXXX only reports to 1 of the credit bureaus. This is awful. I asked them why not all 3 of the agencies, they do n't want to pay fees. I thought my credit score was 860 or 900 since I am a responsible steward of my money. I am hoping that your office will handle my concern now. I want to Thank Your Office now for being available to handle challenges such as mine. I know it will be resolved with ethics something that is missing in the business world today. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX and in XX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a 1099-C notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
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XXXX XXXX has refused to correct/

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 2022-03-02
Company: EQUIFAX, INC.
State: VA
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 XXXX. Paid on time never late. Monthly payment is {$500.00} XXXX XXXXXXXX Credit card. current account balance is wrong. monthly payment is {$500.00}. never late, no delinquencies. XXXX XXXX XXXX Credit Card. paid on time, never late. Current balance {$21000.00}. MOnthly payment {$1000.00} XXXX XXXX. account closed, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXX XXXX. account close, paid in full, never late. account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXXXXXX XXXX XXXXXXXX. account closed. paid in full, never late. Account closed XX/XX/XXXX. As consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXX. Account paid in full, never late & closed. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. XXXXXXXX XXXX XXXXXXXX. Account close, paid in full, never late. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. US Dept of EDU XXXX. Account closed, sold or transferred. Account closed XX/XX/XXXX. As a consumer i demand this account be deleted from my record. In accordance with FCRA and CFPB rules, account has met 7yr requirement for deletion. Agency needs to explain why its waiting for 10yr timeline since this account is not related to bankruptcy. 
On XXXX XX/XX/XXXX i sent of copies of my W2, utility bill & drivers license with current address. i was asked to provide this information to prove my identity as a consumer. since i've now provided this information. i now demand the errors on my account be immediately investigated, corrected & removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Cooling & Winter LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This debt collection company who say they are lawyers have repeatedly tried to garnish my wages filing in different counties from where I live ... the first judgment was dismissed by XXXX County the county I live in due to fraud ... after that dismissal they then filed garnishment in XXXX county where I did not receive any notification of court proceedings until after it was apparently ruled in their favor my wages were garnished for a few months then I received notification that all garnishments would cease due to fraudulent filings then a year later I received garnishment proceedings from the county of XXXX to seize my property in the amount of {$7200.00} when the debt that was owed to Discover was only {$5000.00} ... this company is going from county to county to sue me and this isnt fair the debt owed is 6 years old and has been sold to 3 different debt collectors this company rudely calls anyone that is associated with me even after filing lawsuits with several county courts

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 2017-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I filed a complint against Bank of America for some late reports on my credit, acct XXXX, they did resolve that with the exception of one from XXXX 2015. I have tried disputing and contacting company but unable to obtain verification as proof the payment during that time was late and the credit bureau almost immediately reports information accurate. My other issue, upon Bank of America correcting the other late charges they provided the credit bureau with addresses that I have never resided without my knowledge, consent or confirmation. I inquired with the credit bureau XXXX XXXX how they allow for someone or any company to report unverified information on a person and they reflect it on the account. The response from the Rep. is they only document what is provided to them and they do not verify or request any verification of information reported. This act from Bank of America and XXXX XXXXCredit Bureaus was fraudulent, inaccurate and deceptive, specifically for others reviewing my report for credit. To report inaccurate, unverified information should not be allowed and there should be compensation. I contacted the XXXX and the information was filed, but it is unacceptable for an Credit Bureau to report any information given to them that has not been verified or even documented by the person being reported on. This is an unfair practice and intentional malice to lower or ruin someones credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Saturday XX/XX/XXXX, my debit card was charged at a Chase ATM 4 times for an amount of {$200.00} each for a total of {$800.00} between XXXX and XXXX. The bank was able to reimburse this money back to my account. Shortly after the atm withdrawals, on the same day in the afternoon, the XXXX down the street fraudulently charged my debit card {$750.00} through XXXX XXXX. Chase hasnt reimbursed the XXXX charge. The XXXX is # XXXX XXXX XXXX in NJ. The phone number is XXXX. The manager was able to confirm the person who came in and made the transaction did not match my description and is caught on camera. I was told the footage is still available. I was at XXXX of XXXX in New York at the time. 

I stopped the debit card on Saturday, XX/XX/XXXX. Chase sent me a new debit card in the mail. On Monday, XX/XX/XXXX, I had not received the card yet. It was compromised and a charge of around {$3000.00} tried to go through. Since I didnt activate the card, it did not go through. Chase canceled that card and then issued me another one. On Wednesday XXXX, Chase claimed the account had been compromised and shut it down. They gave me a new account. 

I have called and had Chase relook into to the XXXX claim several times. After the 3rd time, Chase told me the case is officially closed. After they told me the case is officially closed, Chase suggested I call XXXX. It had been several weeks in at that point. The XXXX was helpful, but they would need Chase to contact their loss prevention office to reimburse me the money. 

I went to my physical Chase branch location since I had not received an explanation as to why my claim was denied. A letter was sent in the mail saying, Here are the notes we have in our system : Transaction conducted within customer geographical location. Lack of Digit wallet security care. 

Shortly after, I filed a report with the police.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-18
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
PLEASE TELL ME AS TO WHY BOTH NEGATIVE ACCOUNTS FOR XXXX XXXX XXXX ARE STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. BOTH ACCOUNTS APPEAR AT A CHARGE OFF STATUS AND WITH NO BALANCES. ONE ACCOUNT LOOKS LIKE IT'S FROM XXXX AND THE OTHER ONE FROM XXXX. I HAVE NOT SEEN ANY DIFFERENCE OR CHANGES ON MY CREDIT REPORT WHEN IT COMES TO THESE ACCOUNTS, I NEED THEM REMOVED AS SOON AS POSSIBLE, I HAVE GOALS I WANT TO ACHIEVE, AND THIS IS STALLING ME FROM GETTING TO THEM.

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 2019-10-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO
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:
My wife and I file for divorce over a year ago I Immediately had her taken off as authorized user then XX/XX/XXXX she was expedited a card by USAA bank received on the XX/XX/2019 Her tracking them before her card XXXX I was told she did it by activated through voice they will not give me nothing in writing She racked up {$3700.00} declined was {$340.00} they sent me out another card I was scared to get it closed The account I was Afraid USAA would no longer talk to me I held on to my card I had the sticker on it and left the sticker on it and did not activate it Somehow my card and it up activated with {$2800.00} put on it then I got a check in the mail from USAA for {$2800.00} then they want me to send the check back they told me it was for damages in what I went through They stated that it got activated and usual but will not tell me who activated it or nothing they will give me nothing in writing they're trying to make me pay for the charges they will not help me in any way and my soon to ex wife is getting away with all of this one time she put charges on my XXXX my sons with my account sit me attacks admitting she had done it they did remove that I don't think it's fair she gets away with it

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 2021-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One has been secretly charging me {$95.00} for XXXX and XXXX annual fees and deducting them from my bank account. 

I have not used the account at all, received zero benefits from them, yet Capital One charged me {$190.00} in annual fees. 

Today I asked Capital One to waive those fees but they refused. 

I closed the account today but I am asking for assistance in refunding the {$190.00} in annual fees they charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08
Company: FIFTH THIRD FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Fifth-Third Securities Brokerage Account XXXX, Ohio XXXX XXXX Investment executive, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. OhioXXXX XXXX XX/XX/XXXX Deposited in CD XXXX. Contained a basket of 10 stocks issued thru XXXX XXXX XXXX. To receive annual payment based on the average performance of 10 stocks. Listed below XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( acquired by XXXX XXXX ). Never received explanation of fees or stock performance. We have received no payout or an explanation of why no payout. A market transaction fee of 4 % 3 % 2 % and 1 % have been applied. This investment has resulted in XXXX return ( not 1 Dollar ) in over 5 years. We have called XXXX XXXX and we have received no satisfaction, except inXX/XX/XXXX we may get our XXXX  dollars returned. There has been a bull stock market for the duration of this CD. A total misrepresentation by 5/3th bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have repeatedly had problems with Mr. Cooper 's servicing of my mortgage. They have inappropriately applied additional principal payments multiple times contrary to the loan covenants. Their statements are not correct and their record keeping is impossible to reconcile. When I point out a problem, they " research '' it and say everything is great when it clearly is not. 

For example, my statements dated XX/XX/2019 says that I was charged {$980.00} in interest and {$5200.00} went toward principal. When I look at the payment history ( and my own records ) between XXXX and XXXX the payments totaled {$1500.00}. Mr Cooper says everything is great- no errors! The normal monthly interest is around {$330.00}, not {$980.00}. This is all attached. 

Mr. Cooper also said my payment was late, charged me a late fee and I had ot contact them 6 times to get the issue resolved when it was obvious I made the payment ( it showed on their website with the right amount and date ). 

When you look at their website payment history or they send you " research '' it is ridiculous. They sent me my history and for XXXX, where I made ONE payment they showed over 20 transactions. It is impossible to see what it is going on and reconcile their records even with their own other records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/XXXX I tried to get my free Equifax annual credit report from the XXXX website. It asked me questions that weren't even close to my credit history, so I answered " None of the above '' to each question. I got a reply that they couldn't confirm my identity and I would have to mail them a hardcopy form, with two pieces of ID. This has actually happened to me every time I've tried to get my free report from Equifax ( I've had no problem getting them from the other two bureaus ). So I filled out the form and included a copy of my Soc Sec card and my drivers license. Then on XX/XX/XXXX, I got a letter from Equifax saying they can't find a credit file in their database with the ID info I gave them, and to further assist me they need additional documents verifying my ID, for example, my Soc Sec card and my drivers license!! I tried calling them at a few different " Customer Service '' numbers. All I got was an automated system that ended up asking me 4 questions that, again, weren't even close to my history. In fact, they might have been the same questions I was asked in my online request. I again answered " None of the above '' to each question. I got a response that, because they can't verify my ID, an agent can't assist me at this time. The end. In XXXX, I had to send a hardcopy request ( as usual ), but I did get my credit report. And it looked OK. That was before their security breach. After the breach, I was able to lock my report without problem. So, they could find me then, apparently, but not now. Because they keep asking me questions not even close to my credit history, it makes me wonder what they've done to/with my credit report information. So, I really would like to get my report from them, to make sure my information is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Trans Union : XXXX XXXX XXXX Acct : XXXX Inquiries XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 All of these accounts and inquiries are fraudulent creditors agreed to remove please remove.

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 2019-06-16
Company: JPMORGAN CHASE & CO.
State: MI
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:
An appliance I bought on my card is poor quality. The legs of the refrigerator can not stand the weight of the refrigerator. 

I filed a billing dispute with my credit card company, JP Morgan Chase. In violation of 15 USC 1666i, Chase  has still have not removed the charge. 


XX/XX/2018 THE XXXX XXXX {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: BBVA FINANCIAL CORPORATION
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, XXXX I received a letter from BBVA Compass informing me that my mortgage had been paid in full, and not to send any more mortgage payments because they would be returned. At this time, I was still in Chapter XXXX Bankruptcy. I called the number on the letter to verify the information. The computer operator confirmed the information in the letter. I have asked BBVA Compass for a mortgage release numerous times ; I have yet to receive my mortgage release.

Company response to consumer: Closed with explanation