BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I need to report a serious violation of Care Credit that needs investigated. I have had a care credit card for XXXX  years and over the past XXXX  years my card number has changed for various reasons, either i lost the card, or it expired, or the card number just changed. I believe my card number was changed 5 times in the past XXXX  years. 
Now here is what is going wrong and needs fully investigated. as it just happened to me again with care credit. I made a payment of {$400.00} that posted to my old account number ending in XXXX and in a normal banking situation the credit of {$400.00} should AUTOMATICALLY MOVE OVER TO THE NEW ACCOUNT NUMBER. My new account number is XXXX ..however care credits system does NOT automatically moved credits over. so that means I have money sitting on OLD account numbers that care credit never moved over to my new account number. that is illegal. that means they are keeping money or mine and not crediting my accounts that are due credits. that is illegal. I am demanding my payment of {$400.00} that is on account XXXX be transsfered over to my new account number ending in XXXX. 
and I am also requesting care credit to go back XXXX  years and LOOK AT ALL MY OLD ACCOUNT NUMBERS AND SEE IF THERE ARE ANY REFUNDS OR CREDITS ON ALL THESE OLD ACCOUNT NUMBERS DATING BACK XXXX  YEARS TO SEE IF THERE ARE CREDITS AND REFUNDS DUE TO ME. IF SO THEY NEED TO SEND ME A CHECK IN THE MAIL ASAP

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 2023-05-01
Company: ID Analytics, 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:
I received a letter from XXXX XXXX XXXX on XX/XX/XXXX that referenced my credit score obtained for a new service through SageStreamLLC. https : //www.sagestreamllc.com/ I called XXXX XXXX XXXX and SafeStreamLLC based on the letter I received in the mall on XX/XX/XXXX. XXXX XXXX XXXX could not find the order number referenced after several calls. Unfortunately, though, one of the early calls said the letter must be correct since I recently opened an internet account. I therefore, unfortunately, called them and left my personal info ( DOB, SS, address, number, DL ) through their " automated phone system '' since there is no way to speak to a person. 

SageStream ( now XXXX XXXX XXXX ) company is listed on the .gov site as an actual reporting agency and is the only reason I gave them my information - https : //www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/sage-stream/ After several phone calls with XXXX XXXX XXXX , it was determined that they have no documentation proving the letter was sent from them. 

Upon review online, it appears this SageStream LLC is a scam even though it listed actual XXXX XXXX XXXX numbers, and I found references this scam has been ongoing for almost XXXX years. I rushed to lock all of my credit accounts and banking accounts immediately. 

The next day, on XX/XX/XXXX, I received a text from number XXXX saying, " I'm XXXX. are you the XXXX XXXX instructor that XXXX referred me to? '' I believe this to be the scammers trying to validate my personal information further. 

There are many complaints online about this type of letter and the SageStreamLLC company, and they believe that it is a scam to steal your identity. The government is supporting this scam by saying they are a legit business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Mazda Financial has repossessed my vehicle with no court orders. This vehicle is covered under SCRA and my XXXX XXXX  bankruptcy. My first set of XXXX XXXX orders were from XX/XX/XXXX and it stated for 6 months only. I received new orders from XX/XX/XXXX to XX/XX/XXXX and still wasnt granted a lower interest rate. I have looked into the SCRA protections and it states Protection # 1 Servicemembers can reduce the interest rate on any pre-service loans to a maximum of 6 percent If you took out an automobile, home, or student loan or incurred credit card debt prior to becoming a servicemember ( also known as a pre-service obligation ), or if you took out such a loan jointly with your spouse, then you are entitled to have your interest rate reduced to a maximum of 6 percent per year. To receive this benefit you must notify your lender in writing and include a copy of your orders to XXXX XXXX XXXX  or a letter from your commanding officer that shows the date you began XXXX XXXX XXXX 
The rate reduction for pre-service obligations applies during the period of XXXX XXXX XXXX for most loans and, for mortgages, for an additional year after the end of XXXX XXXXXXXX XXXX When you make a proper request for an interest rate reduction under the SCRA, your lender must reduce your interest rate on pre-service obligations to 6 percent for the entire time you are serving on XXXX XXXX. Your lender cant add the amount of interest above XXXX percent back into the loan later on after you leave XXXX XXXX. You can request an interest rate reduction from your lender at any time while you are serving on XXXX XXXX and up to 180 days after release from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian Credit Bureau is still reporting an inaccurate account from the company : XXXX XXXX XXXX XXXX account # : XXXX and account # : XXXX. This account was disputed multiple times for the first fraud and continuously reported on my credit report without proper investigation. I have never received any written correspondence from either company, Experian or XXXX, about my credit report or an update to my credit report. 
I would like this account removed immediately from my credit report. The account is also charged-off and a charged-off account by a creditor or financial institution is considered income. And income can not be reported on a 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 explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
We have three Cd 's. all were selected with the option to have the interest credited monthly to my XXXX year old mothers checking account. It happened for a few months then stopped. 

I called and was told there was a problem with their program and the interest would have to be credited manually each month. They didit in XX/XX/XXXX but now nothing has happened in XX/XX/XXXX. I called this morning and was told someone would call me back. No one has called. My mother needs the money to live on. This isvery upsetting to her, at her age of XXXX. 

Citibank does not care

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 2023-10-12
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Action Financial Services, LLC
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have 3 problems. A lot of my debt for my student loan has gone into collections. My most recent problems first. I recently had a lot of debt taking off my credit report. Then I received a letter from a debt collector Ive been dealing with for over 10 years. The recently sent me a letter to resolve all issue with a one time payment of XXXX dollars for student loan debt. When I called them back I tried to enter my account number and it didnt work. Then I noticed they changed the date to make it look like I just started dealing with them so this debt will remain on my credit report for the next 10 years. I also noticed the account number they gave me didnt work when I called them XXXX {$58000.00} is the loan. Thats the first problem. I recall dealing with this financial institution since XXXX. Action financial services. I feel like some is committing fraud to try to keep my loan status on my credit report. Also my next problem is I went to XXXX XXXX XXXX and em a XXXX graduate. The company got sewed for a million reason and there was I believe a class action law suit filled that gave people who went to the school student loan forgiveness. Ive asked this institution for as long as I can remember to help me out with this and they always said they could as soon as I put my loans into Forbearance. Last I remembered have full custody of XXXX XXXX XXXX   children and having to sacrifice my whole career for them. Needing XXXX  and constantly having to go to doctor appointments. I was told that this should eraced my loans or at least made a difference. Needing help and dont know where to turn.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I have attached FTC report with fraudulent inquiries

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 2017-05-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
1 ) In  XXXX     2017 re ceive d 3 n otices from  Wells Fargo Stating that payment was late fo r the month and that a late charge was being levied. I was also sent notices threatening foreclosure and credit degradation.       2 ) I was further instructed that payment was due on th e   XXXX   of  each month and only as a courtesy they were tolerating a 15 day late period which is directly contrary to My VA loan closing statement clearly states that I have up to the  XXXX  of every month to make payment without penalty. That is a part of my contract with the  Veterans Administration and n ot a " courtesy ''. It is contract.        3  ) I received a  XXXX     2017 not i ce from Wells   Fargo Stating t hat a shortage was detected in the Escrow Account, for the amount of  XXXX  and that if I paid the amount by  XXXX  's payment my new payment would be  XXXX  I s ent Wells Fargo , Checks for  XXXX  ( ck  XXXX  ),  XXXX  ( ck  XXXX   )  and  XXXX  ( ck  XXXX  ) which total in excess of the  XXXX  Escrow account Mortgage account combination by  XXXX  Less the  XXXX  " shortage amount '' leaving a refund due of  XXXX .      Wells Fargo is  refusing to refund the  XXXX  overage.        4 ) Wells Fargo  consistently misled and falsified records saying that I made monthly check payments of  XXXX . I have never written the monthly checks for that amount.       5 ) I have written repeatedly about the " unapplied '' funds account that appears to be used as a paper front. I write checks that say either principal &  Interest  only or escrow only an  d Wells does not deposit them in either but liquidates them into an " unapplied '' funds account, which has no legally binding balance sheet. ( A balance sheet is not a work sheet ) Then Wells deducts the amount they choose, leaving an balance that does not show how much was deducted from the " unapplied '' funds account and how much remains in respect to that
deduction.. 6 ) I have never been late on this VA Loan in the near 10years of its     execution. I have never fail in taxes nor insurance The balance in the unapplied account is never fully applied to either account Mortgage PI nor Escrow, yet there is a paper front that the account exists. It would not surprise me to find out that this money is being used to support other accounts not related to mine. There is no legitimate reason that this account should exist.

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 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
On XX/XX/2023 I contacted capital one in regards to a settlement I was not aware of. When I asked when was the email sent, the associate provided date of delivery of XXXX XXXX. Upon shuffling through my emails, I explained I did not receive an email. The associate then stated to check my spam account, I checked there as well and no emails from capital one were found regarding the data breach class action lawsuit. I then asked how can I continue or go about submitting a claim since I was not properly notified by capital one and was told this was closed as of last year and was nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've called the company since XXXX of XXXX asking them to verify the debt. They answered me in XXXX of XXXX and did not verify the debt. Furthermore there are discrepancies with the balance amount and it has affected my access to credit drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion I requested my hard copy.It looks the same as the one I can check online through XXXX no score only personal information, general inquiries, on the back of the one page report it says I am to purchase my score their services are {$30.00} approximately a month.According to XXXX and past hard copy my score has not changed in over a year.I have exhausted calling, filing complaints, filed recently with the XXXX XXXX XXXX.I have been denied repeatedly and not given any information as to why my score has not changed.I recently opened an account that reports to the credit agencies.It shows up the account is reporting.my XXXX score has went up alot in the last 6 months.Transunion no change.i was a victim of the XXXX XXXX hack over 3 years ago and it froze my credit.every since then I have been repairing that damage.I have been hung up on, denied any information and told they do have to supply me that information unless I pay for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TAG Intermediate Holding Company, LLC
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:
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b. Also Company has NO permission to report ANYTHING using my info pursuant to 15 USC 1681a ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had an excellent payment history with Santander before the engine locked. All maintenance was up to date but the engine locked anyway. I called Santander to find out what they could do to assist me because I could not continue to make the payments and purchase an engine as well. Because Santander would not work with me, I ask them to come and pick up the truck. They did pick up the truck at my request and sold it at auction however the show the full amount of the balance owed.      Santander could have worked with me. I was never late and all I asked was that I have some relief until I got an engine in and they would not work with me. They do n't even show it as a voluntary repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. XXXX, TransUnion, & XXXX assumed this role without permission not only that they did not have my consent. They did not respect my right to privacy which is under 15 USC 1681 a number 4. They did not exercise their grave responsibility, & is unfair, & partial. XXXX never had a permissible purpose Under 1681 b number 2. I never instructed XXXX to furnish this report and I never consented to this report in the first place.

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 2019-04-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Synchronydoesnotsendanynotificationsaboutpaymentduedates.Alsowhenloggingin,yourpaymentduedatewillnothaveanyalertwhatsoeverthatitislate.Iwaschargedalatepaymentthatwasdueintheamountof&{$22.00}.

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 2019-08-09
Company: American Credit Acceptance, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I had four car dealers run my credit and now I've 39 hard inquiry on my report, some dealerships ran my credit 2 and 3 times which makes up a total of 39, this is pure nonsense that all of those car dealerships ran my credit like that, furthermore it has lowered my FICO score and it just is unbelievable at this point!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$610.00}.

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