BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: Commonwealth Financial Systems, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have not checked my credit in over 6 months and when I get back on look at it, I see a {$1500.00} accountant is now in collections. It looks like some type of medical bill but I havent been to any hospitals in the year 2022. This has to be some type of identity theft so I disputed it on XXXX and it came back Verified and Updated nothing really changed except it changed some dates on missed payments. 

This is very heartbreaking because I have a maintained a flawless payment history with anything that I utilized my credit with and now I cant get a loan to buy the house I have always wanted for my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/22 I opened Chase savings and checking accounts. The terms stated that if I opened savings and checking accounts {$300.00} would be deposited in each after meeting certain conditions. I met the conditions for the checking account and {$300.00} was deposited into it. I would have met the conditions for the savings account too but Chase made the deposit to savings difficult every step of the way. 
The conditions for the {$300.00} savings credit were that I had to deposit {$15000.00} within 30 days of the account opening. I had some money coming from my relatives estate and planned to deposit that in the account. However, it took some time for the funds to be available so I was not able to deposit them until a few days before the 30 day deadline. I prepared ahead of time by adding an external account to my profile on the Chase website. This was the account the funds would be transferred from electronically. The account is a checking account with XXXX and I went through the steps of verifying it with Chase. The Chase website confirmed it was verified and I would be able to transfer funds.

When the funds were available, I set up the transfer online. Im sorry I dont have the exact date but it was within the 30 day window. I then received a notification that the funds could not be transferred because additional verification was needed. There had been no indication that additional verification would be needed prior to this. By the time I was notified that additional verification was needed, the steps to provide that verification would take too long and go past the 30 day deadline. 
I then decided to write myself a check from my XXXX account and deposit it through the Chase mobile app. I went to deposit it but found that it exceeded the limit that I could deposit in one check. At this point, there was not enough time to deposit multiple checks of smaller amounts over a number of days. 
My next option was the ATM. I was working but my husband was available, so he went to the ATM for me. However, my husband is not familiar with Chase ATMs and accidentally deposited the {$15000.00} check into my Chase checking account instead of the savings. 
I tried to transfer the funds on the Chase website but was unable to because there was a hold on the funds. 
At this point, I reached out to Chase customer service and explained the situation. I was told there was nothing I could do.

I contacted them again and they basically cut and paste the terms into their answer and didnt engage with me at all.

Im not sure how many times I contacted them but there was never any attempt to provide good customer service and interact with me in a meaningful way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was given a bill that was due by XX/XX/XXXX with an amount. I paid off that amount on XX/XX/XXXX. Now I was charged {$76.00} interest. Im not understanding if I have a payoff amount why that isnt the full amount I understand if I didnt pay off the amount they wouldve been able to charge interest but when they give me an amount due and I pay it off, there should be no interest charged. 

It seems to me. This is false advertising with a payoff amount due the purpose of a credit card they gain interest if you dont pay off the amount but if you do, it should be XXXX void. I am seeking reimbursement for the interest, they charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not liable for this debt with XXXXXXXX XXXXXXXX and I do not have a contract with Columbia Debt Recovery. They did not provide me with the original application like I asked. Theyre reporting on my credit report with XXXX that I owe them {$300.00} and I have no idea who they are. I reached out to Columbia Debt Recovery with a police report, and FTC report. Originally their were two accounts from XXXXXXXX XXXX in which whoever applied, applied twice. Columbia Debt Recovery stated we put two accounts on your credit report because two different door numbers were applied for, so they removed one and kept the other which makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, synchrony bank decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as synchrony bank adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with Rooms to Go and Ashley Furniture.

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 2023-04-30
Company: Experian Information Solutions Inc.
State: AL
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:
I am writing to dispute the late payments that have been reported on my credit report. I recently obtained a copy of my credit report and noticed that there are several late payments that are affecting my credit score. Upon reviewing my records, I have found that these late payments were due to circumstances beyond my control, and I would like to request that they be removed from my credit report. 

The late payments in question were caused by a temporary financial hardship that I experienced last year. During this time, I was a full-time student, and I relied on financial aid to cover my living expenses. Unfortunately, due to a delay in the processing of my financial aid, I was unable to make my payments on time. Although I have since graduated and have been making timely payments on my accounts, these late payments are still showing up on my credit report and negatively impacting my credit score. 

I have attached documentation to support my claim of being a full-time student in XX/XX/2019, which was the time period in question. This documentation should serve as proof that my inability to make payments on time was due to my student status and the delay in my financial aid processing, rather than my negligence or inability to pay.

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 2023-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony ( Lowes card ) consistently takes an extended amount of time to apply payments. So much so that the Lowes automated system gives the option to refund a late fee without speaking to anyone. The result is I have to make a payment a full week before what my bank says will get the payment there by the due date ( a date which works for all my other bills ). It is a scam that gives them extra float. This month for example my payment was deducted from my bank account ( not sent on, cleared on ) on XX/XX/XXXX and is still not posted at synchrony on XX/XX/XXXX. The payment is due XXXX, thats how early I am paying. I have previously complained to synchrony and received a credit but that doesnt change the practice.

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 2023-03-30
Company: BROKER SOLUTIONS, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I went on unpaid XXXX for giving birth to twins. I fell a couple of months behind on my mortgage and applied for temporary mortgage assistance. In XX/XX/XXXX I was placed on a forbearance for 3 months. I started a new job XX/XX/XXXX and in XX/XX/XXXX my forbearance was extended until XX/XX/XXXX and a plan was set up for me to make a payment every two weeks so that I would be current on my loan by the end of the extension. On XX/XX/XXXX I called to schedule the next payment for my mortgage and was told my loan had been sold to another bank. When I reached out to the bank they told me to call back after XX/XX/XXXX when they would be able to access my loan details. I called them on XX/XX/XXXX and was told that I was two months behind on my mortgage. I asked why my forbearance did not transfer with the loan and was told they don't have any record of me ever being on a forbearance and that they would be reporting a late payment on my credit report. This should not happen as I had a plan and a date to be current on my mortgage. They told me I would need to reapply for assistance with them and wait up to 30 days for approval, but even that would not stop the negative remark on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, 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:
Description X In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX XXXX, Account name, XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account Name # XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, XXXX XXXX  decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as synchrony bank adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with XXXX XXXX XXXX and 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 2023-04-30
Company: Exeter Finance Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
This claim is connected to previous claim XXXX The vehicle seller XXXX XXXX XXXX and Exter finance has committed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  under PART 455 - USED MOTOR VEHICLE TRADE REGULATION RULE Authority : 15 U.S.C. 2309 ; 15 U.S.C. 41-58 {$450.00} General duties of a used vehicle dealer ; definitions It is a deceptive act or practice for any used vehicle dealer, when hat dealer sells or offers for sale a used vehicle in or affecting commerce as commerce is defined in the Federal Trade Commission Act : ( 1 ) To misrepresent the mechanical condition of a used vehicle ; ( 2 ) To misrepresent the terms of any warranty offered in connection with the sale of a used vehicle ; and To represent that a used vehicle is sold with a warranty when the vehicle is sold without any warranty It is an unfair act or practice for any used vehicle dealer,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was result of identity theft/ fraud

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 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On or bout XX/XX/23 I sent Transunion, XXXX, and XXXX a dispute of certain information on my credit report. 
On XX/XX/23 XXXX sent me an email telling that they will not investigate because it appears someone else sent the dispute on my behalf. 
On XX/XX/23 Transunion sent me a letter telling me they will not investigate the dispute because it looks like someone else submitted the dispute on my behalf. 
Till Date XXXX has not responded. 
On XX/XX/23 I sent a response to Transunion advising them that I did in fact send the dispute and they were obligated to respond which they received on XX/XX/23 ; See Tracking # XXXX On XX/XX/23 I sent a response to XXXX advising that I did send the dispute which they received on XX/XX/23 ; See Tracking # XXXX Till date XXXX has not responded.

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 2023-04-30
Company: Zions Debt Holdings
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to request validation of the debt that you are attempting to collect from me. I have not received a validation letter from you, as required under the Fair Debt Collection Practices Act ( FDCPA ), and therefore, I am uncertain as to whether or not I owe the debt. 

As a consumer, I have the right to request validation of any debt that is being collected from me. I am requesting that you provide me with proof of the debt, including the amount owed and the name of the original creditor. If you are unable to provide proof of the debt, you are required to cease collection efforts. 

I would also like to remind you that, under the FDCPA, debt collectors are prohibited from engaging in any unfair or deceptive practices when attempting to collect a debt. This includes continuing to collect on a debt that has not been validated or pursuing a debt that is not mine. 

I am hoping that we can resolve this matter quickly and amicably. Please provide me with the necessary validation of the debt as soon as possible so that I can address this issue and move forward.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: AL
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:
I am writing to dispute the late payments that have been reported on my credit report. I recently obtained a copy of my credit report and noticed that there are several late payments that are affecting my credit score. Upon reviewing my records, I have found that these late payments were due to circumstances beyond my control, and I would like to request that they be removed from my credit report. 

The late payments in question were caused by a temporary financial hardship that I experienced last year. During this time, I was a full-time student, and I relied on financial aid to cover my living expenses. Unfortunately, due to a delay in the processing of my financial aid, I was unable to make my payments on time. Although I have since graduated and have been making timely payments on my accounts, these late payments are still showing up on my credit report and negatively impacting my credit score. 

I have attached documentation to support my claim of being a full-time student in XX/XX/2019, which was the time period in question. This documentation should serve as proof that my inability to make payments on time was due to my student status and the delay in my financial aid processing, rather than my negligence or inability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I am writing to dispute the late payments that have been reported on my credit report. I recently obtained a copy of my credit report and noticed that there are several late payments that are affecting my credit score. Upon reviewing my records, I have found that these late payments were due to circumstances beyond my control, and I would like to request that they be removed from my credit report.

The late payments in question were caused by a temporary financial hardship that I experienced last year. During this time, I was a full-time student, and I relied on financial aid to cover my living expenses. Unfortunately, due to a delay in the processing of my financial aid, I was unable to make my payments on time. Although I have since graduated and have been making timely payments on my accounts, these late payments are still showing up on my credit report and negatively impacting my credit score. 

I have attached documentation to support my claim of being a full-time student in XX/XX/2019, which was the time period in question. This documentation should serve as proof that my inability to make payments on time was due to my student status and the delay in my financial aid processing, rather than my negligence or inability to pay.

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