BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Southwest Credit Systems, L.P.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. In XXXX someone got my name and social security number. They used my identity to get cable service ( this creditor let people apply over the phone for cable, with just a Social security Number, name and good credit. The thief paid the bill until XXXX, then stopped paying, the thief lives in Indiana and I live in Illinois. Someway the creditors put me in collection. I contacted FTC regarding my Identity theft, and my credit score went back up, the collection agency, stopped harassing me. On XX/XX/XXXX, My bank contacted me stating that there is a major derogatory activity on my credit report. I contact the FTC, they was not handling this kind of case they said. They sent letters on line for me use. But I thought this is subsequent to the first Identity case. My bank said, maybe I should contact the credit bureau, I did, but I have been treaty like I am the crook. XXXX did an investigation with input from the creditor/collection agency and no input from me. The results I do not understand. It was sent to me om XX/XX/XXXX, stating that the status is {$1000.00}, is past due as of XX/XX/XXXX, and this account is scheduled to continue on record until XX/XX/XXXX. They also put the thief address and phone ( I believe ) as my address, Again I never live in Indiana or had a phone in Indiana. When I called the agent, she was not helpful to me. She asked me to send a police report and my social security number, I had a hard time finding the police report, so call the police department, XXXX XXXX, They said I need to come in a fill a request sheet and sign, and it would toke two to six weeks. I found the report, I was going to send it in, when I got  the investigation report. If you can help me, please do. Thank-you, for all you do for me and other consumers. 
p.s. I do not understand the finding. I am not the thief, how can major derogatory information be on my credit report until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Chase is foreclosing on a XXXX mortgage with a sale date yet as far as I knew they accepted a payment for a reduced loan balance and it was paid off. I called several times was told they didnt service my loan which they dont but they never mentioned that they were foreclosing on the XXXX mortgage. I never received ANY PAPERWORK TO DO A MODIFICATION OR WORK OUT ANYTHING BESIDES THE PAYMENT REDUCTION WHICH I HAVE COPIES OF

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am been working for almost 2 years with Equifax to ensure no personal information and account information is incorrect, and not a mixed report with another person. 

I have additional issues with the accuracy of the Equifax report, including have an alternate social security number included that is incorrect. Further, Equifax removed some of my correct accounts from the report. 

I have attempted to remedy this multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My personal information was compromised by an employee of the company ; received undesired text messages from customer service representative ; placed a complaint was n't contacted in regards to a resolution or outcome. All my personal information is on file and I feel uncomfortable with this company 's business procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed someone use my information to open credit card on the begining of XXXX, some credit card company call me to verify if I open the card, I start a fraud alert on XX/XX/2019, on XXXX, I thought I put a alert, it should be ok, but yesterday, XX/XX/2019, I saw on my XXXX  account, there are two huge balance I didn't recognize, wells fargo bank ba and XXXX/XXXX  XXXX, these two credit card I didn't open, also XXXX/XXXX  XXXX is not my acount too, I contact XXXX/XXXX  XXXX  and told them it is fraud, but wells fargo bank ba no one answer the phone. please let XXXX  recover my credit score thanks

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 2017-08-11
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
PHH mortgage charged my credit card {$590.00} plus an additional {$1.00} service charge for an appraisal on my home for re-financing a mortgage. They said my credit card would be charged if they were unable to close on the re-fi. I never received a letter or phone call first to inform me, just a charge on my XXXX. The mortgage company solicited me with numerous phone calls to re-fi, and told me I would be saving several hundred dollars monthly. They also said I was pre-approved. The initial loan processor never walked me through the documentation, as promised, and papers had to be re-sent. A new loan processor was assigned. She was equally rude and evasive in our conversations. Finally, they asked for documentation of additional income to be guaranteed that it would continue for 3 years ; however, the income is XXXX XXXX deeded to me 35 years ago. I sent all tax documents for 3 years and told them there 's no guarantee that Royalties continue indefinitely, although I 've continued to receive them 35 years. This company has had many legal problems and is not endorsed by the BBB. XXXX reviews are all consistent with my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: Webcollex, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Previous debt owed to XXXX XXXX  was paid in full on XX/XX/XXXX directly to the original creditor XXXX XXXX. The check in the amount of {$750.00} was cashed & cleared with no issues. In XXXX CKS Prime Investments ( a collection company ) reported a collection account to XXXX, XXXX & XXXX with a balance of {$750.00}. I never received any prior communication from CKS Prime Investments & tried to resolve this issue directly with CKS staff members including managers. CKS Prime Investments refused to remove the collection account & continue to report the inaccurate balance. The credit bureaus investigation was concluded as " verified as accurate '' even though I have submitted bank statements showing that the debt was paid directly to XXXX XXXX prior to any collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2022, XXXX XXXX XXXX I, got an email stating the following Upon careful review, we believe your account has engaged in prohibited use in violation of our Terms of Service and we regret to inform you that we can no longer provide you with access to our service. We respectfully request that you follow the on-screen instructions presented when you sign in to your Coinbase account to send any remaining balance offsite to an external address. 

But I did not do anything that violated the terms of serivce. So I would like my account reinstated as I did not break the terms of service

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: Experian Information Solutions Inc.
State: IL
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:
The credit bureaus have not investigated and removed my fraudulent accounts that is a result of identity theft on 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 2022-07-27
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 submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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: Was not notified of investigation status or results

Complaint:
Why?????? Experian and XXXX XXXX XXXX XXXX ( XXXX ) continually label my request for information as duplicate without ever supplying the request. Why? I have requested for 5 years the a valid signed and dated permissible permission used to access my credit report in XX/XX/2017 but both companies play games and ignore like children. They realize they did not have permission but instead of owning up to it, they will act like childish politicians and attorneys and hope it will go away. Neither are professional companies on XXXX XXXX but lying sneaky little children.

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 2016-05-18
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card
Issue: APR or interest rate

Complaint:
I am under the impression that there is a fairly new law, within 10 years, that states when a consumer makes a credit card payment the amount goes to the higher interest rate first. I have a credit card with Chase Bank that I make more than the minimum payment and a portion of it is going to the XXXX % balance with most going to the XXXX % balance. 
I would like to find out if that is okay for a company to do that, or is Chase applying my payment incorrectly? 
Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Although a complaint has been issued previously, I have NOT received method of verification documents as requested from Transunion. They are reporting that I have late payments on the following account : XXXX XXXX which is inaccurate and they have not provided how they verified this information to be true. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 


Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-07
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My wife and I submitted payment for and were accepted to " Sams Club '' of the Walmart Company. As a part of this membership we were issued membership cards. We also were given a line of credit for Sams Club through Synchrony Bank, XXXX. XXXX XXXX, XXXX FL. 

We have never used this card for any charges anywhere. But soon after getting the card we received a bill with charges on it and several notifications of potential fraud from Synchrony Bank. 

We called Synchrony Bank, the local Sams Club store, and Walmart XXXX, and demanded the closing of the credit account. As directed, we went to the local store and turned in our cards and were issued new cards without the credit charge ability. 

After this we received another fraud notification, and then a third. 
Today I called Synchrony bank and informed them that the latest charges were indeed fraudulent and again demanded closure of the account, they refused to do anything unless I provided them with even more personal data. 

I refused to provide the data since this bank has already proven their inability to secure the information already in their possession, and the fact that they have already promised and failed to close an account that has been compromised and to which I no longer have any access.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Payoff process

Complaint:
On XX/XX/2016, I called synchrony bank responding to a settlement offer. At this time I was advised that I was approved as a settlement of XXXX broken into 3 payments in the amount of {$76.00}, due XX/XX/2016, {$76.00} due XX/XX/2016 and a final payment of {$78.00}, due XX/XX/2016. My first payment cleared without any problems, however my second payment was not deducted out of my account as advised. I called synchrony bank and was advised that my payments were not set up this way. The representative apologized and set the payment up to be deducted and then I requested to speak to a supervisor to ensure that the settlement offer was still going to stand. I was put on the phone with XXXX and advised that a complaint was being entered on my behalf. My complaint number is XXXX. I was advised this complaint will show that I was advised that payments would come out of my account automatically. I was advised to call back two days after the payment posted to ensure that my account was still in the settlement department. The payment was made XX/XX/2016. I was also advised to set up the third payment at which time I asked whether the settlement would still stand. I was given a vague and and informed that I did n't want to make the payment if synchrony was not going to honor the agreement. The third payment was dudcted from my account on XX/XX/2016 automatically. When I called in to inquiry about my settlement letter, I was informed that the account had been charged off and settlement was defaulted on XX/XX/2016, 7 days previous to the last payment. Synchrony voided the arrangements which in turn they should not have been collecting any further monies from me on an agreement they voided and they did on XX/XX/2016. I was advised that there was notification mailed to me. The supervisor XXXX said their was nothing she could do and would update the complaint number listed above. I was told to wait another 45 days for a resolution to be made when one had already been made on XX/XX/2016 when I was considered in default over ther error and reported to the credit bureau as a charge off.

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 2015-10-04
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I recently applied for and received a Barclay credit card. I have been using the card and paying, never late with any issues. This card currently has a XXXX balance. I was shopping for a new computer and happened to be on the XXXX website. I decided to apply for credit to complete my purchase, my application was declined. A few days later, I received a letter in the mail from Barclay card stating they we 're unable to approve my application due to a past charged off account, they also informed me that they did n't run my credit to make this decision. I feel that they extended credit previously with the open credit card I have and that they made an error by denying me credit without reviewing my current credit history, instead they judged me on something from almost 10 years ago. This in an unfair denial of credit from this company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the several times I've complained about being a victim of identity theft. You must remove/block any inaccurate information that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not information relating to any transaction by the consumer. Here are the list of inaccurate information that needs to be remove : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA 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 2020-08-04
Company: EOS Holdings, Inc.
State: RI
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:
Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Trans Union Shows this address and its not my Address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
going into reports for Experian and XXXX I were asked questions that I answered correctly they did not apply to me and I was told that the information was incorrect and I could not receive my reports but the answers did not correspond to anything about me. I would like to dispute credit items online and can not get any human to speak with to correct information or tell me how to respond to the questions.

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 2016-02-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX my husband and I made concurrent purchases on our credit cards XXXX. We made these purchases on a 36 Month promotion plan, as long as these payments are made on time no interest is to be charged to the account. We have made all payments on time. To date my husbands account is charged {$22.00} per month interest. When I contact the bank ( synchrony bank @ XXXX ) they tell us to go to XXXX and talk to them and XXXX has to send them information in order to make this correction. We have been to XXXX 6 different times to no avail ... ... they will tell us the information has been sent to synchrony bank and it will be reflected in our next XXXX3 statements, and it never has been. XXXX however has never discredited the fact that this was purchased on a 36 month promotion and there should be XXXX interest charged to his account. They say they do n't understand why we are still paying interest on a 36 month promotion. When we contact synchrony bank they tell us they have not received this information and again they tell us to go back to XXXX. We as consumers feel it is time for this game to be over. I MADE XXXX LAST ATTEMT TO TRY AND RESOLVE THIS MATTER ON SATURDAY XXXX XXXX, XXXX. I contacted synchrony and spoke with XXXX a supervisor there explained the situation again even going to XXXX 6 times and XXXX said go back to XXXX they are not showing this is account on a promotion. I contacted XXXX by phone @ XXXX and spoke with XXXX ( that is the name I was given ) I explained everything else to her again and I was told someone would call me back ... .well no one ever did.We are tired of playing this game and are certainly not going to loose {$310.00} in bogus interest payments.

Company response to consumer: Closed with explanation