BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted a lump sum payment of XXXX on XX/XX/XXXX, for my PayPal Rewards credit card ( XXXX XXXX ). I am not a consumer who will allow large balance to remain on my card. After several days, I continued to notice with each check of my account, that my payment had not been applied to my credit card balance. I was told by the accounting manager today, XX/XX/XXXX, that due to me being a " new cardholder, with no ; credit card payment tenure established ' '' that " large payments are suspect in nature because 'other users have exhibited similar large payment behavior when participating in an illegal activity known as 'kiting ' ''. She also informed me that it is within their rights, per banking laws, to hold a payment that I submit on my account for up to 21 days!! She then added, " but we are only holding this one for eight days ''. Really? 
I am unaware as to what " kiting '' is, but it is n't something I would do, if illegal. I am simply a person who has utilized my card during a family emergency, only to pay it to a balance that would be less than 1/2 of my credit line ( XXXX ). 
This practice is my policy and I 've had no issues with other companies when paying a substantial amount " down '' off my balance in order to keep usage percent as low as possible. 
For eight days, now, my credit card account balance utilization has remained over 90 %, despite the fact that my payment of XXXX dated XX/XX/XXXX cleared my bank. I see absolutely no clear nor concise justification for the failure to apply my payment to my PayPal Rewards Mastercard account. Please contact me with information regarding applicable laws that would substantiate their justification for " placing a hold upon '' a large payment on my credit card. Thank you. 
Kind regards. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
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:
This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX XXXXXXXX Balance : {$15000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2017-12-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX/XXXX/2017 my chase account was overdrawn because the funds for a purchase were not withdrawn in a time effective manner and I incurred massive overdraft fees without being contacted about the overdraft as the interests racked up on my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The credit bureau is refusing to delete a collection account from my credit report that can not be validated. The debt is with a company called XXXX XXXX for {$8700.00} and the account number is # XXXX. For the past couple of months, I have been trying to get this company to explain and validate the amount of money they say I owe them. The last time I sent them a written request, it took them over 45 days to respond back to me and even then, they were not able to verify the amount of money they are reporting to my credit. I am filing this complaint because this account is inaccurately being reported to my credit and the credit bureau is not processing my dispute properly.

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 2018-01-24
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collections first appeared on my account in XX/XX/XXXX in the amount of {$460.00} for XXXX XXXX. I contacted the collection agency directly to obtain information regarding this account. The collections agency suggested that I speak directly to XXXX XXXX. 

XXXX XXXX provided me with forms to complete to dispute the account. I completed these forms and returned them to XXXX. After numerous letters mailed to the credit bureau, all three collections removed the collections from my report. 

A few months later I received a letter from XXXX stating that the account would be removed from collections. 

In XX/XX/XXXX the account showed up on my credit report again for XXXX XXXX in the amount of {$460.00}. Because XXXX had confirmed with me in XX/XX/XXXX via letter that this account was indeed fraud and they would report to the credit bureaus. I disputed the account with the credit bureaus. 

Again this account was removed from my credit report. 

Here we are in XX/XX/XXXX and the same fraudulent account is reported to my credit report again for XXXX XXXX in the amount of {$460.00} this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX****Balance : $ XXXX XXXXBalance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXBalance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX ( XXXX : XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2018-02-22
Company: Experian Information Solutions Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX  refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX XXXX part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! 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
Consumer complaint received 2018-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
We applied for a modification which took over 2 years to accomplish, meanwhile we continued to make payments and NEVER missed, I have written goodwill letters, as well as attempted to dispute with credit bureaus, to no avail, we still have these on our reports causing us to not be able to get the credit we need for other things ... XXXX XXXX refuses to remove these..Obviously, if we had missed 29 payments, we would have been foreclosed on, we are still in our home, and have never been served any foreclosure notice while in the mod process, and yes, still paying on time. Our experience was we would send in documents and be told " they lost them '' we would call and always have a new " mortgage help rep '', these things caused our modification process to last too long. These " missed payments '' are not accurate.They are a huge mistake on XXXX 's part. False credit reporting as well. 
The dates they show we never payed were : XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX, Not sure how far back i can go, but, I can load payments off of my bank account if necessary to prove that all payments were made ... This is all a lie!! 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
Consumer complaint received 2019-10-11
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:
I have sent Equifax everything they ask me to send them to show that I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
TODAYS DATE : XXXX/XXXX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT CAPITAL ONE AUTO FINANCE To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
My car was totaled in an accident on XX/XX/XXXX. The car was deemed a total loss on XX/XX/XXXX by XXXX XXXX. At this point we were informed Chase Auto Finance did not have the title which was in my possession. I overnighted the title to XXXX. After weeks of calls, I was informed I need to complete and overnight a NJDMV form which I did. Two more weeks passed and I was told I need to submit that form again. I have been given a completion date as to when this title was going to be perfected by Chase Auto Finance and is has never happen. I always get voicemail and then a return call at weird times of the evening. In the meantime, I am told I have to continue to pay the loan on the car for that is a total loss, plus the loan on my new car and I have not been paid from XXXX the money owed to me for the loss as they are not being provided a pay out. This has been going on for over nine weeks and still no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank has been running a promotion for the past year, where if you keep certain amounts in your Priority savings and checking accounts, they will pay you {$600.00} within 90 days. One condition was that the money must be new to Citibank. 

I attempted to take advantage of this offer twice - both times unsuccessfully. Initially, in XX/XX/XXXX I applied online and was approved for the accounts instantly. However, few days later I received a call saying they are missing documentation, namely proof of id. I provided my US passport. That was rejected. Eventually, they told me US passport is not acceptable for account opened online, and I would have to go to a branch to complete the process. To which I said I did not wish to proceed, since in my mind, US passport qualifies as an ID, and told them to close the accounts. Those accounts were never funded, and in my mind, since they refused to honor my documents, were never opened. 
Then in XX/XX/XXXX, I attempted to apply again - again, online, and again, using my US passport. That time around - they had no issue whatsoever! and accounts were opened and funded with {$50000.00} as the offer required. Starting in XX/XX/XXXX, I kept inquiring about my bonus {$600.00}, each time getting told it would be credited in XXXX. 
Eventually, when I contacted them in XXXX they told me I would not be eligible for the bonus, since I had an account with them previously, and referenced the accounts that they refused to acknowledge due to 'lack of documentation ', and which were never funded. I explained the situation to a customer service rep, and he escalated the case to a research department. The response from them was brief - 'you had a previous checking account opened on XX/XX/XXXX '. 

Epic failure both times - first refusing to accept US passport as an id ( yet accepting it with no issue the second time around ), and then refusing to honor their offer due to the fact they did not allow me to use it back in XX/XX/XXXX. 

It was pretty dismal how they handled my initial account 'opening ' back in XXXX, but to build future failures upon that - is just beyond me. 

By the way, I am a former employee, and should they think US passport is not good enough, they have all the information on me there is. 

Regards, 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 monetary relief
Consumer complaint received 2019-10-11
Company: CITIBANK, N.A.
State: NY
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:
A two page cover letter to the CFPB explaining what happened along with the 20 page letter to the credit card issuer 's credit bureau disputes department and two credit bureau reports faxed on Monday, XX/XX/XXXX will be uploaded to this account. The credit card company has not acknowledged receipt yet. Four follow-up phone calls to the company failed to reach the credit bureau disputes department.

At the risk of being redundant, an item costing {$1300.00} ( with expedited delivery ) purchased from a merchant was never delivered to me. After several attempts at resolving the matter with the merchant in good faith, the merchant failed to track down the location of the missing delivery. I reported the missing delivery to the credit card company and their disputes department met great resistance from the merchant. I believe that the credit card company worked hard on my behalf.

During this seven month struggle, a conditional credit was granted me in the first two billing cycles but the charge reappeared in the third billing cycle. I protested, the Disputes Department reissued the conditional credit before the cycle completed, but the billing department kept the charge on my account. In the interim, it was my understanding that I was absolved from having to pay for something I did not receive. 

To make a long story short, the disputes department settled the matter in my favor but the billing department reported me to the three credit bureaus for being 30 days delinquent. This inflicted great harm to my credit. I was downgraded two levels from having an excellent credit rating -- the credit card company decreased my credit card limit from {$16000.00} to {$1000.00} and removed the {$5000.00} advance cash credit limit. The severity of these penalties prohibits me from purchasing a replacement for the item that wasn't delivered to me. 

Furthermore, with the lower credit level, I can not take out a personal loan until this matter is cleared up because the interest on the loan is predicated on my credit score. And, the time it is taking me to get all these issues cleared up is a secondary harm because I am now incurring late fees for not having the loan ( not to mention the time I should be devoting to other pressing issues ).

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 2018-02-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT NAMES : 1. XXXX XXXX FRAUDULENT PHONE NUMBER : 1. XXXX 2. XXXX 3. 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 non-monetary relief
Consumer complaint received 2019-07-15
Company: EQUIFAX, INC.
State: NJ
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:
Equifax wont remove XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  card they are using XXXX XXXX and not doing a proper method of verifying that these accounts are fraudulent as they are ruining a for profit business

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I went to the dealership with an promise of just being an guarantor on an car on XX/XX/XXXX. Unnoticed to my knowledge i signed for an XXXX XXXX XXXX XXXX XXXX worth XXXX and an car loan for XXXX plus interest as well as insurance with XXXX with promises to pay {$860.00} at an later date. I didnt know that everything was going to be in my name and that i would be fully responsible for these payments and further more i didnt have an liscense to operate an vehicle or get insurance.

Company response to consumer: Closed with explanation