BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-16
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is the 3rd time that XXXX XXXX has reduced my credit limit which has affected my credit score. Each time they reduce my credit limit it is around {$10.00} more than what the balance is that I have on the card at the time. Now before I did n't fuss too much because my balances were high on my other credit cards. But this time I have fixed that problem. Each time XXXX XXXX does this my credit score drops 13-20 points because they make it look like I have maxed my card out. Before this recent drop. My credit limit was {$350.00} and my balance is {$170.00}. Now my credit limit is {$180.00} and my balance is {$170.00} which makes it look like I have maxed my card out. I feel this is unfair and a company whom discriminates against its customers. I have worked hard to repair my credit and decrease my credit balances and XXXX XXXX  creates a bigger mess every time. I am trying to purchase a house and with my credit score being decreased for no apparent reason, I am back at a stand still. I have only  been late on this account once due to the payment date being overlooked by accident. Other than that my account has been paid on time.

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 2018-01-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX is reporting incorrectly on my credit report. They are purposely doing so to keep my score down to force me to be stuck with there ridiculous 18 perfect rate. I have called them over and over to straighten this out. I always paid this loan months ahead they applied money incorrectly to the princable and not the payments if you check the historical information of the loan and simply do the math. I was in fact ahead on my payments what they are reporting is incorrect and there error is affecting my perfect payment history! I have had 4 auto loans never ever late my boat never ever late and this XXXX loan was never ever late. I pride myself on paying things on time this company is reporting incorrect information they refuse to admit it to purposely keep my score down so its harder for me to refinance XXXX XXXX XXXX in XXXX is not a good lender in my opinion. I would never finance with them again!

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 2019-02-13
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I open a checking and saving account due to there is {$400.00} bonus when I deposit XXXX for 3 month on XX/XX//2018 After 3 month I receive a system email confirming I met the requirement and should be able to see the money within One month. However when I check my bank account after 33 days, my checking account has been closed without my permission.Of course there is no bonus.

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 2018-03-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
1. I dispute the fraudulent charges made in the amount of {$10000.00} ( approximate ).

2. Most of the charges were made overseas ; I have been in the United States during those dates. I am requesting that the charges to be removed from my account.

3. I have provided all of the necessary documents you have requested, such as police reports.

4. I have reported fraud and disputed charges inXX/XX/XXXX.

5. After 5 months later, THREE BILLING CYCLES LATER, On XX/XX/XXXX I received a letter that Chase finished its investigation and put all the charges back on my account.

6. Under Federal Trade Commissions FCBA rule, Credit card companies MUST FINISH investigation within 2 billing cycle. Chase took 5 months!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Repeated calls from American Express debt collection and also called relatives. I am not sure how they have all my contacts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I've been a victim of identity theft and I'm suffering from punitive damages. I've mailed letters to all three bureaus and the companies but and still haven't been removed. All the accounts listed are fraudulent and need to be removed! 

XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX {$44000.00} XXXX XXXX XXXX XXXX {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
USAA has prevented myself from accessing the funds in my account, and have failed to notify me of account changes and account actions they have taken without my consent. 

For multiple weeks now, my debit card has not worked. My debit card is set up for auto pay on almost every single bill I pay every month, including car insurance, phone bill, server bills, business fees, etc. 

At no point did USAA notify me of any issue with my account, either through phone call, email, or any form of correspondence or notification through the USAA mobile application. 

This has completely eliminated my access to my funds. I am unable to use any of my funds or pay any of my bills, and have had to directly transfer all of my bills to different routing. This has not only cost me a lot of time and suffering, it has caused a severe financial burden. 

Because nobody from USAA would call me or email me, I decided to email the CEO of USAA directly - XXXX. I received a call from an agent today, who advised that my debit card is not locked out, but has only been suspended because the pin number was input incorrectly too many times. Again, at no point did this entire corporation notify me of this through any form of communication. Not only is this a severe issue because of the lack of access to my funds, this could have been a possible breach of security. 

A pin number being input incorrectly too many times is a clear indicator of fraudulent activity. Had this been the case, USAA wouldve allowed somebody to continuously commit fraud without notifying me of any issues whatsoever - A blatant and direct violation of federal law, and the agreement I signed when I created the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX working with a client trying to avoid foreclosure. He tried contacting his lender numerous times regarding options for modification. They over and over told him to complete loss mitigation package sent to him. Informed him each time he sent all the documents over that he was missing documents, they never received them or that his documents were expired by the time they got the other documents. This has continued for over 2 years now and the ct is now in the OREGON FORECLOSURE AVOIDANCE PROGRAM. We both have experienced trying to contact the account manager in the case and left a number of voicemail and never received a call back. The client and I have yet to get a finalized review for a loss mitigation options for home retention. They continue to not be responsive and prolong the process it feels like till they client has not other option due to all the fees they 've inquired by the lender prolonging the process. When the homeowner has complied and provided all the documents needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: NJ
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 Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-01-23
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I applied for a Gap Credit card while in the store. They opened 2 credit cards in my name ( duplicate ). When I called to get the issue fixed they kept denying that I had 2 accounts open and saying that they did not make a mistake. I used my ID theft service XXXX XXXX and they where able to get them to admit that 2 accounts where opened simply because I had all the proof and paper work and my credit was pulled for 2 different applications. I ended up closing both cards but it still had a negative effect on my credit history. I would like to get those pings off my credit history since Gap was the ones that make the mistake. 

I applied for the credit card in XX/XX/2017.

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 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The multiple choice selections did not allow me to provide the proper response. My issue is that a medical debt has existed for over a year, and I never was asked to pay. I did not receive a bill and was not aware of the debt. The debt originated in XX/XX/XXXX, and I was not made aware until I was denied credit on XX/XX/XXXX. I pulled my credit report on XX/XX/XXXX, then called the original creditor today XX/XX/XXXX. They were close on the weekend XXXX XX/XX/XXXX ), and on XXXX day XXXX XX/XX/XXXX XXXX. The problem is that TransUnion has told me that the item must remain on the report for 7 years because it was a valid, and unpaid debt. If I am not mistaken, the fair credit report requires the company to provide a bill. The item was only {$50.00} and would be paid immediately if I knew it existed. The debt was paid today after I called the company to verify the debt was valid.

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 2021-11-22
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Greetings i am making this complaint on my own accord and will. No third party is involved in the creation of this complaint. 

I XXXX XXXX, consumer, natural person, and original creditor of an open end credit plan, was denied my right of credit by Springleaf XXXX XXXX XXXX d/b/a/ OneMain Financial. I was informed of this trespassing against my rights specifically 15 U.S.C. 1601 - Truth In Lending Act by Springleaf XXXX, XXXX XXXX OneMain Financial on XX/XX/2021. According to 15 U.S.C. 1602 definitions of the Truth In Lending Act, I as a natural person possessing an open end credit plan was harmed by Springleaf XXXX, XXXX XXXX OneMain Financial with the adverse action taken against me denying me my rights of which civil damages pursuit to 15 U.S.C. 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to { {$5000.00} }. 
Springleaf XXXX, XXXX XXXX OneMain Financial is now civilly liable to pay me for the damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
the open.Acct and went car dealership to by a car .I give the Finance Department two Cheak XXXX to hold as a Deposit.they not suppose to deposit them until.I finance to buy a car.they deposit the check in my Acct.I called the bank and spoke to the manager.ask him if he not charge me the overdraft fees.this was a new Acct.they close the acct .and reported to XXXX.I cant open other because. it showing Account Abuse.

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 2021-06-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT XXXXXXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {XXXX} -This is not my account. 


-- COLLECTION ACCOUNT XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {XXXX} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am a victim of Identity Theft deemed so by the FTC, did all that was required as listed on the FTC 's website ini the Recovery Steps - to no avail!? 
Equifax will not allow me access to my account?! 
I requested a copy of my credit report twice and did not get it? This entire ordeal is horrifying! 
Kindly REMOVE THE NEGATIVE on my report as is required by law within days of information received by CRA but it was't removed!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: SYNCHRONY FINANCIAL
State: AZ
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 have use carecredit/synchrony bank at XXXX $ for my dental service. I had paid two time XXXX at each time. Now I still owe XXXX left. now, they want to charge me a penalty fee over XXXX $ dollar because it was over due.I have make too many phone call asking them please send me a bill atleast one week before due date even so I wrote a letter to them at my second payment. they never send a bill at all or email as I request. They lied to me when I talk with the manager. He said he send email in spam, but I check it was nothing in my spam email address at all. They also call and hang up on me. they also put me on hold so long while I m at work and kept ask me the same question name address and email address over and over. I am seeking a solution to resolve this matter or else they can report to collect agency which is decrease my credit score.

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 2021-11-22
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXXBalance Owed : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXXBalance Owed : {$340.00} XXXX XXXXBalance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX FL XXXX XXXXBalance Owed : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: Clark County Collection Service
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
ATTENTION TO CLARK COUNTY COLLECTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company CLARK COUNTY COLLECTIONS in XX/XX/2017 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CORELOGIC INC
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not authorize these creditors to pull my credit report to obtain creditor.

1 ) .XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX ; XXXX XXXX On XX/XX/XXXX. Unknown inquiry, please delete 2 ) .XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX ; XXXX on XX/XX/XXXX. Unknown inquiry, please delete 3 ) .XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX/ ( XXXX ) XXXX XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 4 ) .XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX/ ( XXXX ) XXXX  XXXX XXXX On XX/XX/XXXX Unknown inquiry, please delete 5 ) .XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX| ( XXXX ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry , please delete 6 ) .XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX XXXX XXXX XX/XX/XXXX Unknown inquiry, please delete 7 ) .CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ( Credit Report inquiries ) Identity Theft Department/Dispute Department RE : FTC : IDENTITY THEFT REPORT # :XXXX Credco XX/XX/XXXX Unknown inquiry, please delete

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 2019-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Starting around XX/XX/2018 I was unable to access the money in my account. There was over {$50000.00} in the account. The website indicated I needed to reset my password, which the website would not allow me to do. The website indicated that I needed to call customer service. I spent over 1.5 hours on hold across 3 phone calls to customer service to get my password reset. I tried to transfer money out of the account and again was blocked from movement of money in my own account. After another 4 phone calls and 2 hours of wait time. I was finally helped by someone via " CHAT ''. The {$10000.00} was removed from my account, but, never deposited in the account it was to be put into. I received another email indicating my account transfer ability had been suspended. So, where was my {$10000.00}? They took it out of my account, but did not deposit it in the other account as requested. After several more phone calls, they finally agreed to put my money in the correct account. But only after 7 days, so who got the interest on that money ... .no small sum, {$10000.00}, for 7 days? On XX/XX/XXXX, I sent a letter requesting that my account be closed and to transfer the remaining funds into the external account that was attached. This has never happened. I did transfer most of the money myself on XX/XX/2018.

Company response to consumer: Closed with explanation