BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I reported fraud on my Capital One Quiksikver card on XX/XX/XXXX from a retailer called SSense for {$2000.00}. I immediate notified my card company once I saw these charges posted and shut down the cars and ordered a new one. I received a letter in the mail about 2 weeks later stating that this case was revised and found to be fraud and closed and I wouldnt be responsible for the charges. Today, XX/XX/XXXX, I saw the charges repost for the full amount even though I did not make them!! I am livid that Capital One would try to get me to pay {$2000.00} worth of fraud for something I never bought! I have been keeping up with my payments during the pandemic and never carried a balance or had a late payment and I am frustrated they would do this to me. I did not make the payment so I shouldnt be stuck paying for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received an e-mail from my credit card carrier ( Capital One ) on XX/XX/XXXX, stating that they were reducing my credit limit from {$7300.00} to {$1500.00} ( a 79 % decrease ). The letter stated that it was due to low activity on the card. When I called Capital One to rectify the problem I was told by a supervisor ( XXXX ) that they save available credit for new customers. I have had this particular account for 19 years with no late or missed payments, I have excellent credit and have had no charges in my income. My wife and I have also financed and paid off cars through this company with no delinquency. They really could give me no answer when I requested the limit be restored but to say they have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Experian Information Solutions 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:
I would like to make report that someone has opened Credit cards and utilities bills in my name without my permission. I was in the process of buying a home when my credit report came back there was accounts that I didn't recognize a XXXX XXXX #  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX . 
I never had any documentations of contracts for services with these companies.

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 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX I received a hard pull on my credit report on Trans union from XXXX. Requested this be removed.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: AL
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:
These accounts were opened as a result of identity theft. I am requesting that these accounts be deleted and blocked from my credit because they do not belong to me. I have not received any merchandise from these companies or give them permission to open any accounts. 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 2020-12-04
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I was unable to attain my annual free credit report

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 2019-08-23
Company: Alliance Recovery Group
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
i have received numerous calls even after I have asked Alliance Recovery at XXXX to stop calling. They robo call me on my cell phone as well as my office. The people that I speak to are belligerent and threaten to have me served at work and continue to hang up on when I ask for proof of this debt. This debt has been paid since 2011.

Company response to consumer: Untimely response
Consumer complaint received 2019-05-30
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Account Resolution Services XXXX XXXX XXXX, FL XXXX XXXX ARS Collections Inc reported an unpaid medical cost to XXXX  in the amount of {$1100.00}. This was a portion of a medical cost associated with a VA benefits issue which ultimately the VA would not cover. I was only made aware of this in XX/XX/XXXX by US mail from ARS advising me of it and that unless it was settled it would be eligible for credit reporting. Yet it appears that ARS reported the unpaid medical cost to XXXX  in XXXX before making me aware of the problem according to both my XXXX XXXX credit score account and my XXXX XXXX account. 

Regardless, I owed this amount since the VA would not cover that portion of the medical bill. Upon becoming aware of it through XXXX XXXX on XX/XX/XXXX when my hard earned credit score was dinged by 73 points, I immediately contacted XXXX with ARS Collections and paid the full amount on XX/XX/XXXX. In addition, I was told by XXXX at ARS on XX/XX/XXXX that ARS would report the payment and debt satisfaction to all ( 3 )  major credit reporting agencies within 24-48 hours and that I would receive notification of same from ARS in writing within 7-10 days. Neither of those events has happened which I have confirmed with the 3 major reporting agencies and having spoken a 2nd time on XX/XX/XXXX to XXXX at ARS Collections who confirmed that no letter of satisfaction had been sent and that they only reported debt satisfactions at the end of of each month. 

For over 30 years I was a " cash only ' consumer, no credit cards and I had no debts. I owned my home, my vehicles, have always paid all my service providers on or before their due dates. In late 2017 at the encouragement of a financial advisor, I applied for and received an equity loan against my home to establish a credit score which previously was '0 ' with no negative or positive history XXXX a ghost they told me. Since being given the equity loan and having paid that mortgage prior to each months due date, my credit score had risen to just short of 650. Not great but certainly a start in the right direction and credit card companies were just starting to solicit me with offers of guaranteed lines of credit at various interest rates. 

This is the way it is in America today. Middle class Americans working hard, trying to improve themselves while the financial and credit systems continue to beat them down. As as veteran I have always supported my country and believed it to be # 1 in the world. That opinion is changing as I continue to nurture my wisdom in my later years of life with " wide open eyes '' from many years of life experiences and seeing the changing realities of America today.

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 2017-08-01
Company: TRANSWORLD SYSTEMS INC
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I was in a Chapter XXXX bankruptcy that was XXXX in XXXX of XXXX. A few months later I started receiving collection letters about student loans. I spent hours on the phone trying to sort it out since I had n't received any other notification from any of them. XXXX XXXX XXXX did not want to give me the information regarding the lender and said I had to work with them. I tried contacting chase to get it squared away and thought I had it set up on deferment. In XXXX I got a letter from XXXX and XXXX XXXX offices stating I was being sent to collections. The man on the phone was very rude and I asked multiple times for the information for the company that had the loan and what exactly it was for. I said that I had already worked with the lender and he said that I had to set up payments. He had me concerned that I would have my wages garnished so I started trying to negotiate with him and when I told him there was no way I could afford those payments he got even more pushy. I told him I was at work and could n't do this at the time. I have since received a couple other calls and a letter from an attorney stating a suit has been filed against me and they would like to represent me. I have yet to receive anything about this suit and ca n't seem to get in touch with anyone that will help me. 

The amount on the letter is {$10000.00} and the letter from the law firm is dated XXXX/XXXX/XXXX. 

Letter came in my former name of XXXX. 

I do not find it fair that I did n't get any notification until an attorney is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Ladies and Gentlemen, I have applied for the following credit cards at JPMorgan Chase Bank : Chase Freedom Visa XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not received approval for any of these cards for various reasons. 
I would like to emphasize that my credit score is very good. 
Other banks have never refused to give me credit cards, e.g. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. 
I have been legally staying in the USA since XX/XX/2019 ( XXXX XXXX ), I have XXXX  citizenship. 
The lack of acceptance for any card by this bank, even when I opened an account with a deposit of USD XXXX, is for me an obvious discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Dear reader, About a month ago or so I wanted to check my free 'once a year credit score ' using one of the three credit bureaus and when I did that the page wouldn't load so I would press the back button and click it again. Rather than understanding I only wanted to see it once I believe the companies thought I was checking my score multiple time and thus negatively affecting my overall score. I just want to make sure that I'm not unfairly taking a hit to my credit score when life is hard enough as it is. I'm also extremely sad because I was unaware that when my credit card changed I was missing debt payments. This negatively effected my score as well. I intend to always make payments on time but I was struggling at the time, now, and did not know I was missing anything when it happened. Please help me. 

Thank you, 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 2018-03-10
Company: Freedom Mortgage Company
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was approved for an FHA loan - 30 year, fixed, 3.5 % interest rate - originally through XXXX XXXX XXXX. Very soon afterwards, my mortgage was sold to Freedom Mortgage. Due to having some health issues, I had to take off some time from work and became late in my payments. During that time, I was generally about a month behind. The company would discuss loan modification with me, but then would generally comment that they would not recommend I do the loan modification and instead I should just try my best to catch up on payments. In the process of trying to get all that settled, I had several things happen which made me about two months behind. Just when I was getting caught up, I was notified that my mortgage was increasing from {$1000.00} to {$1600.00}. When I called about this significant increase, I was told that the company had completed an Escrow Analysis and determined that they were not having me pay enough to meet my property tax  requirements. Initially my payment was broke down as follows : principal {$880.00}, escrow {$150.00}. They said that they had increased my escrow payments to {$510.00}. Additionally, they said that I had a deficit in my escrow and therefore, I would have to pay an additional {$290.00} per month towards that. When I asked why they had not recognized this issue from the get go, they told me that my house was a new development and therefore they did not have the tax information. However, my parents have had a house built in the same area that I live in and their escrow payment for taxes and insurance was assessed properly. I was a first time home buyer, no one explained caught this oversight during closing or any time before I closed. Although I was able to borrow the money to pay the deficit in the escrow, my payment has still increased significantly. I am afraid that I will lose my home. Are there any suggestions on how to address this? I have continued the loan modification process, although, every time I turn around there is something they need that they never said anything about before. I just would like help with guiding me through this process.

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 2020-06-25
Company: CITIBANK, N.A.
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 HAVE TRIED NUMEROUS TIMES IN THE PAST TO CLOSE DOWN A FRADULENT CARD THAT WAS OPEN IN MY NAME BACK IN XX/XX/2010 WHEN I BECAME XXXX YEARS OLD. MY MOTHER OPENED THIS ACCOUNT FRAUDULENTLY AND LIED ABOUT ME BEING JUST A 2ND AUTHORIZED USER TO THE CARD. SHE USED MY SOCIAL AS A PRIMARY USER OF THE CARD. I HAVE TRIED NUMEROUS TIMES IN THE PAST TO GET MACYS TO REMOVED THIS. THEY HAVE FAILED TO DO SO. XXXX  WAS THE ONLY CREDIT BUREAU THAT DID THE RIGHT THING AND REMOVE THE INQUIRY. I EVEN EXPLAINED TO THEM THAT ALL THE WIRE TRANSFER PAYMENTS WERE COMING FROM MY MOTHERS BANK ACCOUNT AND 99 % PERCENT OF THE PURCHASES. THE ONE TIME I USED THE CARD I RETURNED THE MERCHANDISE BECAUSE SHE TOLD ME THAT IT WAS HER CREDIT CARD AND I THAT I WAS ONLY A 2ND AUTHORIZED USER TO THE ACCOUNT. SO IN CONCLUSION, SHE OPENED A MACYS ACCOUNT IN MY NAME WITHOUT MY CONSENT, KNOWLEDGE, OR AUTHORIZATION TO DO SO. PERIOD

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 2020-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 credit limit on my Capital One card was cut from {$9000.00} to {$2000.00} overnight with no warning. I called the company today and they claim I wasn't using enough of my credit. I have a {$400.00} balance on this card which means that my credit usage went from .04 % to 20 %! This will impact my credit score significantly ... because of the usage and even when I pay that off, I will still have a drastic decrease in my overall available credit and I have higher balances on my other cards. With this cut, i estimate that my revolving credit usage will jump from a healthy range to 74 %! This will have a devastating effect on my credit score.  They gave no warning at all and will not give any solutions either. This puts me in serious financial jeopardy and came with no warning at all! They have done this to thousands of people. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
To whom this may concern : I am filing this complaint against Synchrony Bank. A few months ago, two months and ten days to be exact, I sent Synchrony Bank a letter regarding a situation I have been suffering this year. It was a situation with a loan I obtained through Synchrony via XXXX in XXXX located at XXXX XXXX XXXX. 

Near the end of XXXX I went to XXXX to purchase some home furniture. My representative was actually the store manager who goes by the name of XXXX. There will be a letter uploaded with this complaint which explains the specific details of my complaint. So as not to copy and paste everything which is on the letter, I will provide you the main points of this complaint. 

When I was debating on whether to purchase the furniture or not at XXXX XXXX, XXXX convinced me to purchase it by promising me 18 months no payments and no interest. That was what pushed me over the edge to go ahead and get financed through them or rather XXXX XXXX XXXX financing company. Everything seemed Ok until I received a call in mid XXXX telling me I am severely past due by Synchrony Bank. 
I ended up paying them their past due amount, but I have suffered considerable damage to my credit. That is not necessarily why am filing this complaint to Synchrony Bank. I am filing this complaint because I sent Synchrony Bank a letter asking them to consider my situation and asking them to forgive the late payments due to XXXX and XXXX XXXX XXXX willful attempt to deceive me for financial gain. I sent the request on XX/XX/XXXX. To this day I have not received a response from Synchrony Bank. 
Not only did I not receive a response from Synchrony bank in writing, I didn't receive one by phone either. 

Synchrony Bank has my phone number. They were able to call me when they were looking for money, but not to address my correspondence to them. They didn't even have the decency to send a generic or even a pre-generated letter after nearly two and a half months. I am very strongly considering a lawsuit against XXXX XXXX and XXXX at this point but I decided to notify you first just to give Synchrony Bank every opportunity to address this before I decide to go after them too.

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 2018-03-11
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was checking my credit report and saw that there was a collection account for over {$7800.00} that it states it was open XX/XX/2014. This debt is with a hospital. I was not in this state at that time plus I had insurance at that time. I have not ever received any written communication from the collection agency to verify this account. I also went to the hospital and they had no record of this debt. I wrote them a letter and informed them that this is not my debt and asked that it be removed from my XXXX  credit report and all others. This company refuses to remove this erroneous information from my credit file.

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 2021-03-30
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Asking for documentation at separate times taking a long time to process real problems with the underwriter not requesting documents in a timely fashion then once present documents then asking for more documents was taking more time in order to get processed I really believe this is really unnecessary and like to have some answers while all the paperwork was not asked for at one time in order to make this a smooth transition

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: DISCOVER BANK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

Company response to consumer: Closed with explanation