BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: SYNCHRONY FINANCIAL
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I'm not too sure what will come of this but a friend recommended I give it a shot. I don't have exact dates at this point in time but I'd be happy to provide those in a follow-up, or just resubmit the entire thing if I need to. 

My relationship with Synchrony bank started back in 2019, I had applied for a line of credit for XXXX store financing and was approved. 

They did not, however, actually create a log in for me to make my payments, they told me that I'd receive login credentials in the postal mail. As a result of this, I didn't actually receive any credentials in the mail for over 90 days. During that time synchrony was charging me late fees unknown to me at the time because I did not have access to see or pay my bill. 

It was eventually discovered that they didn't even send the credentials in the first place and a customer service representative had to generate them for me. They were kind enough to remove the late fees due to the failure on their part, they did not fix the impact this had on my credit score.

Now they have damaged my credit score once again. Apparently it is their policy to terminate my account after 2 failed payments. The first of which was over a year ago, the second was just a few days ago. Both of these were rectified the second I was notified of a failed payment, and records show payments for them posted the following days. 

I understand policy, I understand that I may have signed something that notified me of this policy, and I understand that they must follow said policy if it does exist. 

What I do not understand is how a financial institution as big as synchrony is allowed to play these games with people 's credit score and do nothing to correct their mistakes.

There are countless other issues I've had with them in regards to Paypal credit as well, they closed that account in a similar fashion, tanking my credit score, and many instances of unjustified late fees that they admitted were mistakes. 

Maybe the most recent incident is on me, but considering what they did when I first opened the account, and all the issues I've had with them on my old PayPal account, I am very frustrated that I now have to recover from yet another negative mark against me from this 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 2022-03-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Subject : Request for Comprehensive Re-Investigation and Clarification - Complaint ID XXXX Dear XXXX Dispute Resolution Department , Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and subsequent amendments under the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting a comprehensive re-investigation concerning the previously filed complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal. 
* Adverse Accounts Verification : * The purported verification of the XXXX XXXX XXXX account is lacking in substantive evidence. I hereby request a detailed disclosure of the verification process, including the name and contact information of the furnisher pursuant to Section 611 ( a ) ( 7 ) of the FCRA.

* Trade Modifications Clarity : * The modifications on the XXXX XXXXXXXX XXXX trade are ambiguous. I demand a complete breakdown of all modifications, including payment history, account status, and balance, in accordance with the Truth in Lending Act ( TILA ).

* Non-Reporting Disputes Confirmation : * I seek a formal written confirmation regarding the removal or non-reporting status of the disputed trades with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 
I expect a human-reviewed, detailed response that addresses each concern explicitly. Failure to provide a satisfactory response within the stipulated 15-day period as outlined in the FCRA may compel me to seek legal recourse to ensure the accuracy and fairness of my credit report. 
Yours sincerely, 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 2019-02-01
Company: CITIBANK, N.A.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
The original call on Citibank on XX/XX/2018 when XXXX did not show up to install the A/c unit. A credit card dispute was then opened with Citicard ( XXXX ). I provided Citibank with the following 4 documentations : 1. XXXX XXXX police report dated XX/XX/2018 XXXX # XXXX by Officer XXXX XXXX Badge # XXXX, 2. original XXXX XXXX XXXX invoice,3. repair invoice from second company ( they stated that a complete replacement was not needed. ) 4.Receipt of {$2000.00} charged by XXXX wife XXXX XXXX XXXX XXXX charged using mobile credit card terminal from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ca. 
The Citibank sent a letter on XX/XX/2018 saying that they could not honor the dispute. 


the following is My neighbor 's XXXX posting of the incident : XXXX XXXX of XXXX XXXX XXXX XXXX is a CROOK!! He was called to service my AC by the elderly landlords and XXXX came and said the unit 's compressor was bad. He convinced the landlord to put in a new unit and told him it would be {$2500.00}. XXXX told landlord {$2000.00} was to be paid on the spot and {$500.00} when job was completed. He wanted only cash!! He ended up charging landlord 's credit card using his ex-wife 's name and never came back nor did he answer landlords or my calls to find out what happened. Now the elderly couple are struggling to get their money back. He uses false license number too! Police report has been made. WARNING : STAY AWAY FROM THIS SCAM!! I selected one star to be able to post this warning! 

P.S. Other people have been scammed and made Ripp Off Reports online on yelp.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear Transunion Credit Services, This letter is a formal request to remove ( 15 ) unauthorized inquiries from my credit report. I did not authorized. These inquiries are fraud. 

XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX XXXX Inquiry from XX/XX/2020 Automotive XXXX Inquiry from XX/XX/2020 Bank In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 

Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 

Sincerely, 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 explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX and also any other XXXX XXXX XXXXXXXX accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12
Company: MoneyLion Inc.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that MONEYLION INC is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX or XXXX XXXX XXXXXXXX , I'm submitting this complaint along with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was late on my Bank of America Visa credit card payment by 1 week. This was a rare occurrence, as I almost always make by payments by the due date. We had taken a vacation and the payment slipped my mind. I made the payment online as soon as I realized that it was late. Normally, I send a check, but because it was late I wanted to expedite the payment by paying it online. Unfortunately, Bank of America put a hold on my credit card and would not let any charges go through until the payment was posted, which can take 1 - 3 days. I starting receiving notices that charges on the card were being rejected and I could not make any purchases on the card. I can not remember the last time that I was late on a payment, but I do remember that the last time I just received a late fee and needed to pay the interest on the unpaid balance the next month, which would be expected. I never expected that Bank of America would stop all charges from going through. This was a great inconvenience for us. This is not a customer friendly way to handle this. I could maybe understand if I had a record of making late payments, or if it was over a month late, but not a week. I not only normally pay onetime, but I usually pay off my balances each month. I spoke with a customer service rep on the phone on XX/XX/23 and online and no one was able to take the hold off the card eventhough the payment was in 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 monetary relief
Consumer complaint received 2023-10-26
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I called numerous times and was on hold for over XXXX hours and then disconnected. Nelnet is completely overwhelmed and unable to service the student loan repayment process. 
I have parent plus loans for XXXX of my children after starting the process 3 months ago I finally the last group of loans paid off. Unfortunately, XXXX sent the payment to them USPS and its apparently lost. I'm responsible for a payment and interest due today, my son who refinanced it via XXXX has a payment due on XXXX. 
As the agency assigned to many student loans, Nelnet is a complete failure. Everyone was aware this was coming and the fact that they are completely overwhelmed and unable to function is a huge failure that thousands of students are suffering with now. 
I don't feel I and my son should pay interest on money that apparently both agencies are unable to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
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 are illegally reporting inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My infomation was stolen and used in attempt to open fraudulent accounts. my information was also exposed in 2 recent data breaches XXXX AND XXXX XXXX BREACH.

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 2023-07-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
A late fee was charged on XX/XX/XXXX which i dont't have a problem with. What i do have a problem with is the fact that the policy of " one late fee waiver for the life of the loan '' has never been disclosed to myself in the 3.5 years that I have had this loan. When trying to talk with customer service, the reps are rude and the supervisors aren't much better in terms of being rude condescending and putting the blame back on the consumer. 

Also, I do believe contrary to the sarcastic rude supervisor i spoke with in the XXXX o'clock eastern hour on XX/XX/XXXX that banks are actually required to disclose all policies and procedures. I say this as the supervisor had the audacity to state " Citizens isn't required to disclose any of their policies to acct holders '' That phrase to me seems like a class action lawsuit just waiting to happen ( not stating anything other than what is stated, so don't read into it )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 several attempts to get this matter resolved. I've submitted my previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The 3 credit bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The inaccurate information are reporting to my credit file held with 3 credit bureaus. These items were appear in my account fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items to be removed from my report ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX Balance Owed : {$560.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX  XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-18
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: Account information incorrect

Complaint:
the fcra requires all beureas to report factual and accurate information at all times and these invalid accounts on my credit report are in violation of fcra sec 609 and 623 - b as well as fdcpa 807-8 i request with legal rights that these incorrect accounts be removed immediately or i will procede with civil litigation for violations of the statutes

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 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have an RV loan with Bank of America that should be pending a payoff as of last week. I attempt to verify this information via my web account, the IVR and a customer service team member and cant get the information from any source. 

The web account no longer allows me access The IVR will take my account and last 4 of SSN and then directly transfers me to an agent that cant help. All the agent can see is a last payment date nothing more. Its alarming that a consumer cant confirm recipient of payment on their loan. As of now I dont know and wont know if the amount sent satisfies my loan or if I having a pending balance. 

I dont want this loan to roll another 30 days on my credit report and I dont want fees charged to my account. 

At the time of payoff should a bank/servicer be allowed to remove all access to a consumers account so they have no way of getting any information? Im needing to show the loan paid in full to receive refunds on gap insurance policy and if not received I could stand to lose more money due to Bank of Americas negligence. 

I will never do business again with Bank of America. 

Account # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: ALLY FINANCIAL INC.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
ALLY Mastercard is sending me offers to sign up for a credit card about every XXXX weeks for about XXXXyear. Why are they hounding/harassing me with these offers every XXXX weeks for about a year. WHO is giving ALLY my address? With identity theft, I do not want or ask ALLY for a sending me these constant offers every XXXX weeks. I want it STOPPED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 at XXXX XXXX  ( ETZ XXXX I received another debt collection call from a collection agency representing Kohl 's for XXXX XXXX. I have a letter from Kohl 's to the CFPB about this very same debt incurred by XXXX XXXX XXXX not me ) dated XX/XX/2020 with XXXX XXXX represents Kohl 's and states that they will not contact me again, but because the debt is not mine and I do not have the account number or other information about XXXX XXXX XXXX XXXX XXXX like where he is that they can not assign my issue to any account. 

The XXXX  in that response from Kohl 's is that when they first started calling me about this debt it was Kohl 's collection team and I spoke with a nice collection manager. I explained that I have seen/heard from XXXX in over 20 years and because he terrorized me my entire childhood and XXXX  me for one year at XXXX years old ; I won't ever see/hear from him again. I did not know where he was nor did I care to. That Kohl 's Manager was mortified at what she heard and said she was adding notes on the account and I would never be contacted again. 

The collections was handed to a debt collection company and I was contacted. After much ordeal I finally got to a member of the senior management team and told them the same thing. They again promised I would never be contacted. Kolh 's sent the debt to a different collection company and again I was called. Each time I've called Kohl 's leadership team and yelled and explained the same and I've been verbally promised I would not hear from any collectors again. I filed with the CFPB against the collection company. One to two months and yet another different collection company and this time when I filed with the CFPB I added Kohl 's to the filing and I received the letter dates XX/XX/2020. My response to the poorly caring response from Kohl 's and XXXX was that if they contact me again I will SUE the XXXX XXXX XXXX  * out of Kohl 's. 

Today I received another collection call from Kohl 's. I don't know how much XXXX XXXX owes and I don't care ; but I warned Kohl 's and the CFPB that if I continue to get harassed over a debt that isn't mine I will take action. 

CFPB - this is directly breaking several regulations that you have against collection companies and the fact that you refused to push/fine Kohl 's for breaking regulations show you to be complicit in their illegal and fraudulent behaviors. You need to take action and fine companies when they continue to break regulations and if you won't ; then why are you in place. Times are changing - change or get out of the way!

Company response to consumer: Closed with explanation