BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Out of no where JCPenney has lowered my credit this is the second time happened and I been with JCP for over 3 years. At first I started with XXXX dollar credit then it it increased up to XXXX and then up to XXXX and few months ago up to now supposed to be XXXX. I Called and asked and was told it was a random audit then spooked to the Supervisor who said it was something on my credit that is why Synchrony Bank determined this. Next I spoke with the MOD who said sorry there is nothing can do for you I am the highest person you can talk to and I am going to know disconnect the call. 
I have always made my payments on time and gone above and beyond monthly payment amounts and keeping account in good status. As with my credit since I was approved for the last XXXX have not made any changes to my credit report and feel they should not base out credit history with out side sources when I been clearly a good, faithful and loyal member to jcp and to now treat me this way am no longer happy with the company.

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 2022-07-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
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:
Account : XXXX These purchases were not made by me. My account was restricted and I received poor customer service when my account was abruptly closed. I tried to explain that my credit card had not been used by me for the purchases listed below : XXXX XXXX {$570.00} XX/XX/2022 XXXX : {$100.00} XX/XX/2022 Not only did this go unnoticed but I also tried to pay this and yet capital one still closed my account. I have

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX  Date of Inquiry : XX/XX/2021 XXXX XXXX  XXXX Date of Inquiry : XX/XX/2021 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have disputed the information about the bad marks on my XXXX XXXX credit card several times. I spoke with XXXX XXXX several times on the issue. They told me that the credit bureaus come to them and they have no control over the bad marks being removed. I have requested several times that they be removed from my Equifax credit report trying to give Equifax the chance to do the right thing. So I would file a dispute. Several times I would get an email saying there would be a dispute and I never filed one. Then I would come to find out they had canceled my original dispute. I have attached the following documents saying that they deleted the XXXX marks but it still remains on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 
XX/XX/XXXX - XX/XX/XXXX XXXX ACCOUNT # XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY. 


SYNCB/AMAZON ACCOUNT XXXX XXXX LATE PAYMENTS WERE DUE TO LOSS OF INCOME FROM COVID 19. I MADE AN AGREEMENT WITH CREDITOR TO PAUSE MY PAYMENTS BUT THEY REPORTED THEM LATE ANYWAY.

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 2020-01-02
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have requested on numerous occasions to reinvestigate and verify the alleged account with XXXX XXXX XXXX XXXX my last attempt was on XX/XX/19. 

I requested to provide me the following : the name, address and telephone number of each person contacted regarding this alleged account. I also requested any formal documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Lastly, I requested their method of verification as any automated response or e-Oscar verification is unacceptable. Experian and XXXX failed to provide the requested information and refused to reinvestigate the dispute.

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 2020-08-04
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I entered Mariner finance on XXXX XXXX on XX/XX/2020 to get approved for a loan. I was told by XXXX XXXX that I was approved for XXXX $ only and after showing good credit I could then be eligible for an increase of credit. I was given a XXXX Dollar check that was written off of XXXX   XXXX XXXX at the time which is now XXXX XXXX I took the check and cashed it I still have the check stubb from that transaction. I have continued to make payments without really looking over the contract. Recently my credit was ran and I see that my original payoff balance for mariner finance is XXXX which had me raise an eyebrow bc i only borrowed XXXX $ so how am i paying back XXXX on a XXXX $ loan. At this point things were not making much since I then pulled my contracts to carefully read over them. At which point I seen That i was financed for XXXX and i should have recieved 3 checks total, one in the amount of XXXX one in the amount of XXXX and one for XXXX. I was never given the other 2 checks. With that being said I would like the checks traced and find out who signed my name on the checks because I did not. When I was aware of what happened I tried to reach out to their corporate office about the issue they told me there was nothing they could do I could reach out to the store manager about the issue. I do not feel comfortable resolving the issue with the store manager for the shear fact its a conflict of interest and i do not want anyone trying to cover up what has been done! I myself work in the lending industry and am aware that this behavior is unlawful and is considered fraud. I have copies of my contract, check stubb, and pay history available if needed.

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 2022-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
The Bank of America is the intermediary bank for my XXXX transfer. They have held on to my funds and not released it without any justification. Here are my details : Transfer Amount {$7000.00} USD Transfer Date : XX/XX/XXXX Days Passed since Transfer initiated : 30 Calendar Days My Bank that sent the funds has reached out several times but the Bank of America has been extremely slow and vague with their responses. 

The amount is still being held by Bank of America and without proper justification. 

They should release the funds ASAP to the beneficiary bank.

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 2016-06-15
Company: ALLY FINANCIAL INC.
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XX/XX/XXXX- XXXX car loan for my spouse ( XXXX ) age XXXX since many yrs of hardship. Good income, job stability of 2yrs & cleaned up credit since XX/XX/XXXX bankruptcy filing which was paid off early. Dealer ran so many credit apps ( ding ) & ended with Ally car loan@11.95 % rate. Letter from Ally 3wks after having car that loan denied. Called Ally with being assured loan is ok. Payment of XXXX/mo & most is going to finance charges. Really??? 11.95 % interest. Scammers on minority people!

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 2022-07-27
Company: Experian Information Solutions Inc.
State: MI
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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4100.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$770.00} ; XXXX XXXX  XXXX ; XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

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 2022-08-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 two transaction were made thru my XXXX account with the stolen amounts as follows to someone by the name of XXXX, it was from the same bank. 

1. {$490.00} 2. {$1000.00} I contacted my bank on the same date XX/XX/2022 to find out what happened and who authorized this transaction and to file a fraud claim. 

On XX/XX/2022 we received an update on the claim, we were informed that their research was completed with the response. 
We found that the transaction was processed according to the information you provided or was authorized. No adjustment will be made to your account at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: NAVY FEDERAL CREDIT UNION
State: MD
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 DO NOT OWE THEM ANYTHING. I WILL NEVER PAY YOU ANYTHING. OVER MY DEAD BODY. I DO NOT WISH YOU WELL. THIS BANK IS EVIL.. IM SICK AND TIRED OF THIS HARASSMENT. THEY WILL NOT HAVE A GOOD END. THIS IS WHY PEOPLE DO DESPERATE THINGS. THIS WAS A SECURED CREDIT CARD. WHAT IS THE {$890.00}? THEY HAVE NOT TOLD ME IN ANY TERMS WHAT IS THE {$890.00}. I WANT THEM TO TELL ME IN NO UNCERTAIN TERMS WHAT IS THE {$890.00} PERIOD. IS IT INTEREST CHARGES, SERVICES, FEES, OR PENALTIES? THIS IS NOT A HARD QUESTION TO ANSWER. CONTACT ME THROUGH THIS SYSTEM DO NOT CALL OR SEND ME ANY CORRESPONDENCE THROUGH THE MAIL. I DETEST THIS BANK THEY ARE ALL RACISTS. THEY CALLED ME A XXXX NUMEROUS TIMES. I WILL CALL THE POLICE FILE CHARGES AND FILE A CIVIL PROTECTION ORDER. I WILL CONTINUE TO COMPLAIN UNTIL THEY TELL ME WHAT IS THE {$890.00}. YOU WILL EXPLAIN TO ME IN WRITING IN NO UNCERTAIN TERMS. ALL I WANT TO KNOW IS WHAT ARE THE CHARGES COMPOSED OFF. THATS IT. YOU DONT WANT TO SAY BECAUSE YOU ARE A FRAUD. THEY CALL MY SUPERVISOR AT WORK AND MY NCO AT XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have  a Compass Bank Checking accou nt.     From  XXXX   XXXX  to  XXXX   XXXX  I was charged ATM fees totaling {$2200.00}.     The practice of charging excessive fees is unfair.     I continue to use this checking account and would  like Compass Bank  to adjust the balance based on waived fees.     I have paper copies of all monthly checking account statements, including all pages, reflecting the fees that were charged.     I have more than  XXXX  account w ith Compass B ank.

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 2022-11-15
Company: EQUIFAX, INC.
State: PA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-06
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Despite FOUR written requests, Experian has NOT corrected the INACCURATE REPORTING and the UNVERIFIED ACCOUNT on my credit report. They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that the information belongs to me and is correct. 
I requested that the following accounts below be verified or deleted immediately if it can not be verified. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. 
Account Number : XXXX : Account Number XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts listed above. In the results of Experian investigations, they stated in writing that they verified that these items are being reported correctly? They HAVE not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

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 2020-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I would like to file a complaint regarding two accounts Experian is reporting. I have sent disputes to Experian multiple times reporting the errors in their reporting but somehow Experian continues to respond the accounts are verified as accurate. This is very confusing because the two accounts are reporting the same collection, yet they are reporting completely different information? Account XXXX is reported by XXXX with the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX and the amount owed as {$3500.00} and XXXX is reporting the DATE OF FIRST DELINQUENCY AS XX/XX/XXXX with the amount owed as {$2400.00}. This is the exact same account as reported by the account number. That can not be possible, this is one account with one original Date Of Delinquency and one balance amount. I have also reported to Experian that I did not believe this account was mine due to another family member having the exact same first, middle and last name. Yet again, Experian does not even acknowledge my disputes. I have requested validation from XXXX and XXXX and NEITHER have provided ANY information showing this account belongs to me or proof that what is being reported is correct. XXXX and XXXX have both deleted these accounts from my report because they were unable to substantiate the account. What information does Experian have to report these accounts? And if Experian has correct information, then why are these accounts reporting with completely different Dates Of First Delinquency and different amounts reported? Arent all three of these issues violations? Why is Experian continuing to report these accounts if they have not and can not be verified? And why has Experian completely ignored my requests for an investigation, yet continued to report the accounts? Can you please direct me to the proper channels so that I may hold Experian accountable for the blatant negligence, failure to investigate and continued reporting of these accounts with obvious errors even after I have repeatedly provided Experian the information to make an educated decision. I am also including XXXX in the complaint due to re-aging of the account. These accounts are definitive, they are supposed to have only one open date, one close date, one date of first delinquency and one date of last payment and those dates are required to report the same. XXXX has re-aged this account to make it appear newer in attempt to further damage my credit ; in which both Experians and XXXX false reporting have hurt my credit substantially.

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 2020-01-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
PHH Mortgage has refused to provide me with a payoff of my existing mortgage that I request on XX/XX/XXXX by phone. On XX/XX/XXXX the representative XXXX that I spoke with said I would have my payoff by fax on XX/XX/XXXX due to the holiday. I did not receive the payoff on XX/XX/XXXX, so I called PHH again on XXXX   XX/XX/19 and I was told that it was sent to their lawyers for calculation and he faxed it out to me on XXXX XX/XX/19 based on the notes in the system. Again, that was a lie, I am in escrow and the escrow company has requested a second attempt to obtain the payoff as well and they are refusing them. By law it states the mortgage company has 7 business to issue my request as the borrower. By XX/XX/XXXX it will reach the 7th day mark and I have yet to receive my request. 

PHH is also falsifying charges on my loan from XX/XX/XXXX to present that are incorrect and they refuse to remove them in the amount exceeding {$39000.00}. I have asked and written letters of errors on my account and wanted a detailed descriptions of the charges along with proof of receipts from their vendors. They also have denied me proof and the opportunity to speak with the supervisor in charge of the charges.

Company response to consumer: Closed with explanation