BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: SYNCHRONY FINANCIAL
State: OH
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 filed a complaint against Synchrony Bank about two weeks ago in reference to them closing my QVC credit card and they RETALIATED by lowering the credit limit to my JC Penney credit limit amount. It went from XXXX to XXXX using the excuse that my income was too low and I had too many credit cards on file. 

I pay my bills every month on time so that never should have been a problem.

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 2017-12-06
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
For many years my husband and I have struggled with our credit - we lost our house in XXXX due to an outrageous ARM loan, moved a couple of times before getting settled, lost a job, etc. -- all while raising XXXX children. When the oldest wanted a vehicle of her own to drivXXXX, which would help me out with the other XXXX kids, we went to a small lot and purchased a two year old vehicle with some cosmetic damage, but it was perfect for her first car. Credit Acceptance Corp was the only company who would finance me, alone, for that car. After paying {$1500.00} down and agreeing to {$400.00} a month car payments, we took possession. Ten months later, the dang thing has been repossessed three times. They were taking the payments every two weeks after the first repossession, and then I lost my job and the payment was returned one time. They kept trying every day to take that from my checking account, and it caused a " decline '' fee each time. Once I realized it, I contacted them to tell them to please stop trying and I 'd pay a different way. I made a payment, but apparently, that did n't catch me up because although biweekly payments were resumed for several months, at an amount they indicated was to cover the repo fees, they came and snatched the car again from my driveway. Once I realized it, I called them and they said it would be {$850.00} to recover it ( AGAIN ). They said I could pay {$250.00} by XXXX XXXX and the balance by XXXX XXXX, but would also owe the payments that would have come due over the time period they had it. Then I had to go through a nightmare with the repo company ( which are not regulated in NC ) just to get personal belongings back. They informed me the car has already gone " to auction '' so what is the point of me trying to get it back? After reading hundreds of complaints on the internet, I realize I am not alone. Although there have been numerous class action lawsuits filed against these folks, I would n't be able to afford to pursue such action. So now I am without that car and from what I read, I 'll have to file for bankruptcy just to get rid of these people because consumers are reporting that they are vicious in every aspect of the car loan industry. Someone needs to investigate and help the consumers who are only trying to get out of their situation. It is bad enough to have to pay almost 30 % interest on a XXXX used car, but their collection practices are out of control. I feel completely frustrated and violated.

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 2018-03-26
Company: AMERICAN EXPRESS COMPANY
State: MA
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:
On aboutXX/XX/2018, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 -  Reference Trace Number : XXXX {$10000.00} on XX/XX/2018 - Reference Trace Number : XXXX AMEX has verbally acknowledged receipt of these funds and has been agreeing to credit any interest that may be accruing for the amount of the funds returned i.e. they don't want me to be responsible for paying interest on funds that have been returned and received by them. While this is being done, they still have not applied the returned monies to my outstanding loan balance. This is placing a burden upon me as I still do not have use of the funds as originally intended ; t=I can not apply for a new loan until this loan has been paid off AND it is restricting my access to money from others as this is showing as an outstanding loan of {$15000.00} +/- on my credit report, adversely affecting my credit score. I have spoken to a XXXX ( Employee Badge # XXXX, a " supervisor '' in their personal loan department several times to no avail. While he has been polite he has acknowledged the frustration surrounding this matter, both on his part and mine. He is struggling to get answers on his end! 

I would like the returned funds totaling {$11000.00} to be applied to my account ASAP! 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Alliance One, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
In XXXX, govern XXXX entered a proclamation suspending garnishments and the fees that follow due to COVID 19, but today I received certified mail from Alliance One providing a copy of the writ of garnishment to garnish my wages. The garnishment was filed on Not only is this unjust it is bad business. We are in the middle of a pandemic, a state of emergency. Id like to issue this complaint in regards to the proclamation from our governor. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: National Credit Systems,Inc.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been contacting the following companies for 5 years and they have refused to remove the debt. They insist that the debt was verified but has not shown proof. I have provided a police report and disclosed my full identity. My home was broken into year XXXX, where all of my personal information was stolen, and a police report was filed. My car was broken into XXXX where my purse was stolen. A police report was filed. I filed another police report in South Carolina when I discovered my personal information on the deep dark web. I have filed a police report in both the state of Georgia and South Carolina. No one has assisted me. I was advised to file a police report in every single state that I found fraud activity which I believe is unnecessary. I have been dealing with identity theft for 5 years now with no solution. I demand all information to be removed immediately. This is affecting my life, personal and business development. 

I do not know anything about the people or person who stole my identity. I also found my personal information such as address, credit score, D.O.B, and full name on a website called " XXXX XXXX' I have emails and screenshots of this information that I will also provide if requested. 

Company : XXXX XXXX : {$15000.00} XXXX XXXX  {$11000.00} TXXXX XXXX XXXXXXXX XXXX : {$2200.00} Collection Agency : XXXX XXXX XXXX XXXX : bought debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : bought debt from XXXX XXXX Georgia Police # XXXX ( XX/XX/XXXX ) Geogia Police # XXXX ( XX/XX/XXXX ) South Carolina Police # XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I Have Filed A Dispute In Regards To The Incorrect Item On My Credit Report, It Has Been Over 30 Days And I Haven't Received Any Investigation Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I talked to someone on XXXX who was selling explicit photoshoots. They told me to send payment through XXXX, and to make it worse, the account of a friend. I paid the $ and then I never received what I paid for. I was actually blocked. 

I talked to Chase and they said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: OH
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:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Experian Information Solutions 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:
I have disputed XXXX Collection debt {$540.00} listed as a collection on my credit reports- I have not been able to contact the company listed as the collector by the address and phone number listed on the credit letters- I also was not able to locate that company as a collection source with the Consumer Financial Protection Bureau . How can it be verified by XXXX- XXXX- Experian if I can not locate them through these resources I dispute this account and it's details are not verifiable and should be removed and deleted 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 2018-03-27
Company: JPMORGAN CHASE & CO.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried to access my account online tonight after returning from work. I received a notification that account was suspended due to activity on my account. I have a fraud protection on my accounts which requires my bank to contact me both via email and cellphone upon any notice of suspicious activity. This was not done, either by email or phone. When i contacted them today they said the suspicious activity which had triggered this was a wire transfer request made on XX/XX/25 to a person already listed under my wire transfer contacts, to whom i had made transfers in the past for the amount of XXXX XXXX They would not give me more information and they refused to activate my online account. I have been a chase customer for over 20 years, i have account balances which are high and substantial. I would like you to take immediate action and follow up this matter on my behalf. Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon checking my credit score I saw that an account had been opened with XXXX XXXX in XXXX XXXX XXXX XX/XX/XXXX XXXX and was sent to collections. 


I disputed the accounts with both XXXX  and Experian and both agencies verified the information with the creditor as being correct, but I did not open this account. 

I have always lived in the state of Virginia but last year ( XXXX ), my mother went on vacation to XXXX XXXX and while she was there her phone, wallet, and other personal items were stolen ultimately leading her identity to be compromised. Again, I have never been to XXXX XXXX and I have never opened an account with XXXX XXXX in any state. However, I do believe that my identity has been compromised likely be the same person ( s ) that attempted to do the same as they did with my mother.

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 2021-03-01
Company: Experian Information Solutions 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:
I have been writing the credit bureaus for over a year, they have numerous addresses on my report, i did not live at, XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, Ca. XXXX, XXXX XXXX XXXX XXXX Ca. XXXX. I have never worked at XXXX XXXX, and I've never filed, not one, but they are reporting errantly, 2 bankruptcies. Those bankruptcies are not related to me. All these things are EXTREMELY important, i have a XXXX  job, and when i don't list theses things, especially, addresses, in my file, and the Government does there security checks, they think i'm lieing or hiding something, and i have been passed over for promotions twice, recently. I am just a simple man, but can not understand, how this these organizations, have such awesome over power, over our personal, private financial affairs. I have written them repeatedly for over a year, and i'm still writing as of today. Experian and XXXX, have inaccurate information, only XXXX is reporting me without any bankruptcies. Between this and this pandemic, the pressure is unbelieavble, can anyone please help 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 non-monetary relief
Consumer complaint received 2020-11-01
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've been contacted multiple times by email in connection with a debt that I don't owe from a company I don't recognize. The debt is also listed on my XXXX credit report. The companies name is XXXX XXXX XXXX. They have sent me emails asking for payment in the amount {$1000.00} on XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020.I 've never heard of the company before and the same debt is listed on my XXXX credit report as being owed to LVNV Funding, LLC. I've never done business with either company and believe this is fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: PNC Bank N.A.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My wife and I filed for Chapter XXXX Bankruptcy protection on XXXX XXXX of XXXX. At that time we had a first mortgage and a HELOC, the later with PNC Bank. At the time of filing PNC Bank revoked my access to online statements. Since filing we have not received any ( regulatory required ) periodic statements from PNC Bank. We have completed Chapter XXXX payments on XXXX XXXX XXXX and received a discharge on XXXX XXXX XXXX Since that time we have not received periodic statements from PNC nor has PNC reinstated access to online statements. 
I have contacted PNC to address this issue and during that call was informed that we had missed multiple payments while we were under Chapter XXXX. We have no way to confirm or locate missing payments as we do not have any correspondence indicating when those payments were missed. I believe that interest continues to accrue on the missed payment amounts to this day, therefore PNC 's failure to provide required periodic statements has resulted in financial loss to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
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: Information belongs to someone else

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX CR 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  # XXXX, XXXX XXXX CR 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

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 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Unauthorized purchases totaling { {$30000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XX/XX/XXXX of XXXX. On XX/XX/XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XX/XX/XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within 10 days of me filing a dispute.There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their XXXX benefits. They tried to tell me I have to confirm my identity after I just got the new card because I wrote the company my phone died talking to escalations they made it very hard to place the claim a XXXX XXXX finally came in the mail today and I dont want to activate it online due to not getting it last time and last time somehow it was activated and used its been mail theft and internet theft in my area and Im pretty sure this is what happened, I have the new card and still cant get help, this is due to me telling them I contacted the Cfpb about true matter l they asked me to verify myself due to not having a card this is pretty crazy I got the card now still attached in the envelope. I been going through XXXX for the last 3 years trying to figure out why I cant get help please help

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