BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During the months, XX/XX/XXXX and XX/XX/2016, I attempted to make the payments on my secured credit card and was unable to due to the processing system being able to use my cards account number which was the only way I was allowed to pay at the time. The debit card I used to pay my bill with was a prepaid debit card and was not accepted. I didn't have problems with paying my bill before this time of incident. 

I had contacted capital one customer service multiple times to try to resolve the issue and was spoke to rudely by the customer service representative. As I was speaking, I was cut off multiple times while trying to explain the problem I was having with my debit card at the time of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have repeatedly called me trying to get me to pay even though I have explained to them on 3 occasion in the last 24 hours that I am unemployed due to the pandemic and that I am waiting on my unemployment to pay, yet they still call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The accounts provided I requested several times for the credit bureaus to verify the information with these accounts for I did not recognize them. I only received letters simply stating account verified. However, I requested details of how they verified them and to whom they spoke with to verify. They have yet to provide this information that is required by law. Also, when I update my credit reports I can see that nothing has changed since my request. All the data is still the same and not even the same per bureau. My attorney suggested I file this complaint. 

Accounts : XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: SYNCHRONY FINANCIAL
State: KY
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:
Sams Club Credit/Synchrony Bank fraudulently reported I was 30, 60 and 90 days late on my credit report when I was paying. After I went with XXXX ( a debt management company ) to have interest rates reduced Synchrony Bank ( Sams Club Credit ) started reporting me late. XXXX reached out to them at the time and they idicated they had been sending payments to the wrong account number and said they would fix it and didn't. I reported it to my credit bureaus and they said Synchrony Bank did not change it. 

The dates in question are from XXXX to XXXX on my credit report. I have attached my contract with XXXX and all the wire payments made to Synchrony Bank/Sams Club Credit during this 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 2017-02-16
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
at approximately XXXX today XX/XX/XXXX17, I called Navient to discuss my private loan I took out when I was in my XXXX year at XXXX University . My bill is {$87.00} a month. I am still enrolled in my XXXX and there telling me my in-school deferment is up on my private loan. I was able to go into a forebearance for two more months before I have to start paying that loan back. I had informed Navient that I am unemployed and still in school and when I had asked about any lower payments the only option is paying the {$67.00} interest payment for 24 months. My issue is not so much a complaint but an inquiry as the rules regarding in-school deferments for private loans. Also am I entitled to have my payments lowered further if I am still in school and have no away of avoiding a payment until I graduate?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have received a letter from Portfolio recovery stating about a refund on an old debt on XX/XX/2021 that was cancelled out by creditor XXXX  XXXX and already have paid taxes on the 1099-c a few years ago. The next day i was alerted to the debt on my credit report on XX/XX/2021 which was completely out of nowhere stating I owed the full amount again as if they reaged it. I tried contacting them but no avail and I cant find anything for an account number on my old debt account of this false derogatory debt owed. the only thing that portfolio have provided was a refund check i never received and it was not an attempt to collect a debt but its on my credit reports? the only thing I can find on it was a charge off that was just recently been placed on my report instead of it being on there when the charge off first happened? why wait almost 4 years to magically place this back on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Southwest Credit Systems, L.P.
State: SC
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:
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an  updated copy of my credit report. 
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX SOUTHWEST CREDIT SYSTEMS {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX   Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX  I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I never signed nor endorsed any contract or applications that gave authorization to this company that created multiple inquiries into my credit profile. Someone has unlawfully used my name, unambiguous information and endorsements. Additionally the company did not have a permissible purpose to inquire into my credit. These inquiries were done without my knowledge, authorization, consent and or signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My name is XXXX XXXX XXXX I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2021-01-12
Company: CITIBANK, N.A.
State: PA
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:
After recently reviewing my credit report, I took notice that the above-mentioned account is currently in Charge Off status. I sincerely would like to take care of this account as soon as possible. 
Due to illness, Iunfortunately got behind on my payments and was unable to meet my obligations. However, since then my situation has greatly improved and I am in the position to recompense this debt. 

I am willing to pay BLOOMINGDALES ( {$2100.00} ) provided that the above account is updated on all credit reporting agencies to state : PAID AS AGREED, or completely removed from all credit reporting agencies upon my final payment. 

I am not agreeing to an updated credit report that states this account as : PAID CHARGE OFF or the like, as this will not significantly increase my credit score, nor will it reflect my sincere willingness to restore my good name and hopefully, someday, again do business with your company. 

Your written response will serve as an agreement to my proposal and I will pay. Thank you very much for your valued 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 2021-01-12
Company: Experian Information Solutions Inc.
State: FL
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:
After noticing that Experian has been reporting an inaccurate, Incomplete account on my credit report. Experian refuses to adhere to federal laws. 

Account under the name : XXXX XXXX XXXX XXXX Account must be deleted for reporting inaccurate payment history, inaccurate name and address on file. incomplete balance owed. Experian currently reports a payment history on a closed charged -off account a clear violation of FCRA rules Account must be deleted for continuously reporting incomplete information on my credit report. 

Last date of payment incomplete or inaccurate ; a violation of FCRA rules Inaccurate name and address on account. a violation of FCRA rules. 

Inaccurate date of last activity, a violation of Federal law

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 2022-10-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
A J.P. Morgan Chase bank employee took my check in the amount of {$3900.00} that was a return of a good faith rental security check thar had been returned to me by an unethical con person. As a XXXX XXXX XXXX XXXX American, the Chase Bank employee wrongly assumed that I did not know how how to use an ATM machine and she processed the check after taking the check and my ATM card out of my possession. I her prevented from seeing my confidential PIN number deposited to my check but later that day I received a " secure Message '' on my computer stating that due to an ATM error, {$3500.00} was debited from my savings account and I only received $ XXXXThis teller violated bank policy by intervening processing my check even though I was headed to to the teller window. I returned home and saw thar {$3900.00} had been processed and later thar day, Chase Bank took {$3500.00} from my savings account. It was explained to me that the Chase would only credit me withm {$390.00} because the number of the check was {$3900.00} but the handwritten check portion was written out as {$390.00}. After many conversations with several Chase Bank employees in which I explained that the con artist would not return the balance owned and their policy was illogical, faulty and an exception should be made in this case ( as Chase was facilitating a bank fraud/scam ), the bank manager, XXXX XXXX XXXX XXXX XXXX ) of XXXX XXXX XXXX, XXXX, XXXX XXXX told me that Chase would pay me the {$3500.00} and I would receive a check in that amount from Chase Bank XXXX On XXXX, He said the Chase Bank said no and would not repay me, a XXXX retired XXXX American female on a restricted budget. who needs that money to live! That is detrimental reliance and Chase Bank has to make good their promise to pay me ASAP, Help me solve this tragedy! I am the victim of this scam, con and unkept promises by Chase Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Tel : XXXX XXXX XXXX Account XXXX XXXX Bank of America Account XXXX XXXX Bank of America They close my account with out tell me and I have done nothing wrong with it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: STATE FARM BANK, FSB
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, STATE FARM BANK, F.S.B add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authoriza tion Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, 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:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXXollection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
First of all, there was a valid collections account that I settled with XXXX/collections in XXXX of XXXX. It has been on my credit report as settled ever since then, with commensurate effect on credit status all of this time. In my attempt to rebuild my credit profile since that event, I have checked on my credit report religiously every month, sometimes as many times as twice a month. I recently checked my XXXX credit report via XXXX in XXXX of XXXX and all was ok. 
This morning, XXXX XXXX, XXXX, I checked my XXXX account and find that this same collection agency I settled the owed amount with back in XXXX of XXXX, is reporting me as having an OPEN collections account with them. They do not however, provide an account number. Suffice it to say that I have not, out of principle, started any cellphone business with XXXX since that phone issue was resolved in XXXX XXXX ( settled debt ), so there would be no reason for another account number. I also have not co-signed for anyone on anything - ever. So, I am at a loss. 
Understandably, I have just submitted a dispute with XXXX to that effect. 
My desire to file a complaint with the CFPB stems from the wanton abuse of Receivables Performance Management 's apparent ability to place a blemish on one 's credit report, creating an unnecessary snowball of a process I must now take to clear my name, all the while driving down my FICO credit score in the interim. It bears worth mentioning that I am in the middle of a refinance transaction and the effect of this irresponsible opening of an erroneous collections account report by this company could complicate the 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 2021-01-12
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: Information belongs to someone else

Complaint:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents DEPT OF EDUCATION/XXXX Account Number XXXX. DEPARTMENT OF EDUCATION Account Number XXXX XXXX DEPARTMENT OF EDUCATION Account Number XXXX Addresses XXXX XXXX, XXXX, LAXXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX Inaccurate Employers Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXXL * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late payment DEPTEDNELNET - FCRA violation Never late {$8500.00} Balance updated XX/XX/2020 3 late payments Account Info Hover over labels for more details Account number XXXX US DEPT ED - FCRA Violation Unknown Payment History - 2 {$38000.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed XXXXXXXX XXXX XXXXXXXX Closed account- FCRa Violation - Never late {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status ClosedXXXX XXXX XXXX - never late- FCRA Violation {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed

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 2020-03-26
Company: CITIBANK, N.A.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Around XX/XX/2020, I noticed 2 charges on my credit card that I did not authorized. 
I contacted Citibank, they issued a new card with new card number, put the transactions into dispute, and then issued temporary credit. The charges were dated XX/XX/2020 I got a response on one of the items yesterday, XX/XX/2020 and Citibank was going to reverse the temporary credit as if I lost the dispute. 

I believe the merchant was involved in the scam. The merchant have a website that is no longer active. The domain was created on XX/XX/2020. 

On first pass, Citibank took the merchants word. I am still placing the complaint back into dispute. 

In short the credit card company is offering me little protection from a fraudulent charge that may involve a form of identity theft.

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