BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: SYNCHRONY FINANCIAL
State: CO
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 called the company they have none of my information in their system and said they have no accounts listed to me thats listed on my report they told me to make a complaint and dispute it So Im doing that please help take this off my credit report. Ive been working to hard I also was notified by police that someone tried to use my and my husbands bank cards and are charging the person who they found with 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 2021-10-13
Company: EQUIFAX, INC.
State: TX
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 report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from XXXX XXXX on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by XXXX XXXX ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from XXXX XXXX ran on XX/XX/2021 be immediately removed for all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: CBC Companies, Inc.
State: TX
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 report is showing inaccurate multiple inquiries no authorized by me. I gave permission for the company to run ( 1 ) hard inquiry from Factual Data on XX/XX/2021 for all the credit bureaus. There were an additional ( 2 ) more inquiries by Factual Data ran the following day XX/XX/2021 without my knowledge or permission. This is affecting my personal life and chances of getting denied by different creditors. I am asking for the ( 2 ) unauthorized inquiries from Factual Data ran on XX/XX/2021 be immediately removed for all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: Early Warning Services, LLC
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have contacted and disputed bank accounts with XXXX XXXX and some other banks that were opened fraudulently in my name and SSN. I was already contacted by a mysterious email from XXXX XXXX stating that I could be in a class action lawsuit regarding people opening up bank accounts fraudulently in others names and SSNs. 

I have never did any business with XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX ( This bank is in Georgia!! ) I have never lived in Georgia. 

XXXX XXXX blocked the XXXX XXXX accounts but then they added them again about 2 weeks later. And they stated these accounts were verified. And I want detailed answers on how thorough this investigation was. I need to see signatures as well. I need names of who is verifying this information I sent them a sworn affidavit XX/XX/2018 and also I sent a filed police report in from the county that this happened in about two years ago apparently because I had seen an address on my credit report in XXXX County, which I have never resided either. 

This is a mess and I am going to have to contact every agency that exists including legal representation until this is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: U.S. BANCORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am suffering from Covid and dealing with numerous deaths in my family. I notified the bank of a hardship and that I was out of town due to family XXXX and XXXX. They decided to request more information then originally after I told them that I was handling funerals. Us bank is intentionally causing infliction of pain and suffering. They stop me from doing the loan forgiveness a year ago while in the middle of applying to change the terms multiple times which had me confused. I told them I would just pay it back due to the hassle and their deceit and they are ignoring it just to cause any suffering to me possible while I deal with death.

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 2018-08-12
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD
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:
They keep reporting me late for XXXX of 2016. Account is paid in full and closed. I was never late. This lowered my score and I'm unable to get employment because I have poor credit. 
They need to provide me with proof for that year and month that was late supposedly and they need to remove lateness so I can get a job.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a deposit for a XXXX XXXX loan the funds are being held until I produce documents for a different type of loan that I do not have I talk to my lender and they stated they should not be holding my funds I provided documents related to the loan I have on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: JPMORGAN CHASE & CO.
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:
I am writing this complaint to report an authorized charge that was re-billed to my account. 

I had two unauthorized charges for the same amount ( {$98.00} for each ) placed on my Chase Freedom Unlimited credit card ( credit card XXXX ) on XXXX XXXX, 2020 ( See Appendix # 1, see also Appendix # 3 ). I noticed these two unauthorized charges on XXXX XXXX, 2020, and I immediately called the Bank to report these two unauthorized charges ( See Appendix # 2 ). The representative who answered the phone told me that the two charges were placed in person in XXXX XXXX, Kansas, where I have never been there. I said to them I've never been there, and these charges were reversed ( See Appendix # 1, see also Appendix # 3 ). The Bank shipped a new card to me in order to avoid further fraudulent activities. I was satisfied with the resolution at that time. 

However, on XXXX XXXX, 2020, I noticed the two unauthorized charges for these two fraudulent activities were re-billed on my statement ( See Appendix # 1, see also Appendix # 4 ). I am confused about why this happened, and I called on next Monday ( XXXX XXXX, 2020 ) ( See Appendix # 2 ). However, the Bank told me that their " fraudulent investigation team '' was not there, and they said they would give me a callback, which I never received. I am unsatisfied with their resolution because I reported the two unauthorized charges, and it should not be re-billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24
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: Information belongs to someone else

Complaint:
All FTC violations XXXX violations attached attorney general violations on the credit report Diversified If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 have contacted the 3 Credit Bureaus ( XXXX, XXXX, and TransUnion ) about a bankruptcy appearing on my credit report from XX/XX/2010. I asked these agencies how they verified this account as accurate, and they stated that they verified this account as accurate through XXXX and XXXX, two affiliate credit reporting agencies. Under the FCRA laws, these agencies MUST receive their information directly from the creditor of the account, or it should be removed from my credit report. As you can plainly see in this letter from the United States Bankruptcy Court, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If the credit reporting agencies are not verifying this account information with the original creditor, they are in violation of FCRA laws, and this bankruptcy should be removed from all 3 credit bureau agency records and all 3 of my credit reports.

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 2018-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern.

Our company credit card Capitol One Spark account was cancelled do to not aligning with their company policy. Capitol One would NOT tell us what we did not align with. We called and our account is in good standing. No late payments at all. Capitol One would not tell us what the real problem was. We believe we were singled out because of these reasons. 
1. We are a pawn shop. ( # 1 reason ) 2. We are selling legal firearms.

3. We are a small business owner.

4. We are Republicans.

Would this be a form of discrimination? 
I'm not sure if there is anything you can do for us? 

Attached is a copy of the letter that was sent to us from Capitol One. 

Thank You, XXXX XXXX Manager/Partner XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRUIST FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
I borrowed money from XXXX [ XXXX ] bank about a year ago. I refinanced my home and secured money to pay off balance of said loan. On XX/XX/2021 I requested a payoff. The amount given was good till XX/XX/2021. The mortgage company I have, sent a check for {$1000.00} over the amount due to payoff the loan before XX/XX/2021. XXXX took the check paid off the loan and took an additional monthly payment and sent back a check for {$400.00}. 
I need help to get my full overpayment returned to me.

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 2018-10-24
Company: JPMORGAN CHASE & CO.
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:
My Daughter purchased a bed from XXXX sleep with her Chase Credit card. Then due to other Chase 's mess ups and lack of response on other issues related to her credit card she closed her Chase credit card which they finally did. 

In AXX/XX/XXXX, she returned the bed t Nectar sleep who have been trying to help her all along and informed her that she would get a full credit but it had to go back on the credit card. She told XXXX that the card was closed but they informed her they had to send it back to the card it came from. they have provided documentation of the refund which is attached. 

She then contacted Chase to get a refund at which time Chase started telling her the account had be closed and then purged and they could do nothing for her or that they never got the money and finally that they said they couldn't help anymore and not to email back because they would not respond to any more emails. 

We contacted XXXX and they confirmed they sent the refund but didn't get it rejected so it was still with Chase. 

We have attached copies of emails between XXXX and us and some of the emails between us and Chase for your review. 

She is out {$710.00} which she can not afford to lose. 

companies : XXXX - retailer who issued refund. 
Chase Credit card - card company who say they can't help us I am helping my daughter so I added my name as additional card holder because you had no other option below

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: EQUIFAX, 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 have disputed this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: DISCOVER BANK
State: CA
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:
Discover Credit card account has remained 'suspended ' after paying the balance early through a payment plan recommended by Discover. 
The XXXX credit limit has not been accessible, even during COVID-19 pandemic when most needed. Discover has continued the suspension of my account. Their excuse for doing this is : my " credit history with other issuers ''. -Disregarding the fact that I do not owe Discover, the account is open and inaccessible. 
This account has been open since XX/XX/XXXX, starting with a XXXX credit limit, Discover reduced the limit to XXXX immediately when the balance owed was XXXX. Said amount was remitted to bring the balance back to XXXX in XXXX of XX/XX/XXXX. The original XXXX credit limit was never restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: CO
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, my husband sent {$1800.00} through XXXX from his XXXX banking app. To my Bank of America account. Which we do transfers through multiple times a month. This time it did not go through immediately, although it left his XXXX account right away. And showed the transfer was complete. When going onto my Bank of America app it showed under the XXXX tab as pending for up to 3 days. I immediately called the bank as Ive never seen this before, and they assured me it would go through within 5 days and to call back if it doesnt. 5 days later I still didnt have the money and Bank of America seemed to be confused and had know idea why it still said pending, but assured us that they didnt receive the money from XXXX, so we needed to contact them. My husband called XXXX and was told the money was sent and completed and gave us the confirmation code they had, and said the only option was to file a claim as fraudulent. Which he then did. I called back Bank of America and was transferred multiple times to different departments and supervisors who all had no idea what to do, other then say they never received the money from XXXX and as I was the receiver they could do nothing and was told to have my husband contact XXXX again. So I then called XXXX directly to try and get an answer. They basically said they would do nothing for me because we transferred using our banking apps, not the XXXX app, so we needed to contact our banks, and transferred me back to Bank of America. Who again seemed very confused about the issue and said they could do nothing for us. We contacted XXXX XXXX again and was told the claim was being looked into and they would give us a credit of the {$1800.00} back into our account while they continued the investigation. Which a few days later we did get the money back into the XXXX account, and thought the issue was resolved. A week after that we received a letter from XXXX saying the claim was closed, and showed no fraudulent acts, so they were going to be removing the {$1800.00} from the account in 5 days. We called XXXX back amd was told the claim was closed, because the money showed sent, and there was nothing they could do. After multiple conversations with different supervisors we again were told it wasnt there issue and there was nothing they could do. Calling Bank of America again they said they didnt receive the money and didnt know why it showed pending and could do nothing for us. After a month of going back and forth between banks and multiple calls, we are still out our money. Bank of America says they dont know why but still seemed to try and look into it. As XXXX washed there hands with us and said theres nothing they could do and that was the end of it.

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 2021-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I was a victim of identity theft when my home was burglarized in XX/XX/2015 ( XXXX XXXX Police report attached ). All my valuables were stolen including a car and a safe box which holds my social security card, passport booklet and passport card. 

I am receiving calls from XXXX XXXX XXXX for a debt that was not mine from Capital One ( identity theft account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bull City Financial Solutions, Inc
State: TN
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:
In XX/XX/2021, I visitied XXXX  and XXXX XXXX XXXX with insurance. Neither health centre filed invoices for my visits against insurance. They reported invoices as unpaid to Bull City Financial. 

Following months of trying to have the invoices correctly filed to insurance, I engaged the help of the Head of the Department of XXXX. His engagement resulted in the invoices filed correctly to insurance and a letter of apology. 

I have tried to have the erroneous credit entry removed with success, except for my engagement with XXXX. 

XXXX refuses to engage with Bull City Financial and present the physician 's letter of apology. Whereas the other two credit reporting agencies correctly engaged with Bull City Financial and removed the erroneous entries, XXXX takes no action, stating that the entry is correctly reported. The reference numbers for my effort to resolve the situation with XXXX are : XXXX, XXXX, XXXX, and XXXX. 

Before contacting the credit reporting agencies, I contacted Bull City directly. Bull City declined to remove the erroneous entries. Bull City may be contacted at : https : //www.bullcityfinancial.com/, ( XXXX ) XXXX. 

The erroneous hospital invoices are : XXXX XX/XX/2021 for {$160.00} XXXX XX/XX/2021 for {$1200.00}, and XXXX XX/XX/2021 for {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation