BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, Today, while I was in classroom during my Math class my phone was ringing but I couldnt answer because I didnt want to miss what the Professor was explaining. After my class at exactly XXXXXXXX XXXX Eastern time, I called the phone number back and it was PayPal Synchrony bank. They told me I have a miss payment for the month of XX/XX/2022 which is weird because I have an autopay set up. I told them I have an autopay set up but they told me the autopay was cancel which is weird because for the XXXX years and a few months Ive been with them, Ive always have an autopay. Now theyre trying to send a late payment report to all the credit bureaus which not only would ruin my good credit score but will hurt me. Im a XXXX year old college student, and Ive never missed any payment on any of my credit card. This is unfair. On XX/XX/XXXX, when the payment didnt go through, they didnt even bother to reach out to me. They waited for nearly XXXX weeks to reach out to me today.

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 2023-06-28
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:
My name is XXXX XXXX, I AM VERY FRUSTRATED. MY RIGHTS ARE BEING VIOLATED AS A CONSUMER. It has been brought to my Attention that the Credit reporting agencies are Willfully Neglecting my rights as a consumer. I have reached out to the Both THE bankruptcy Court of my county as well as XXXX XXXX which they have stated are the verifying of this data .I have correspondence from THE BANKRUPTCY COURT that they in fact do not report anything to credit reports. SO WHY IS IT REPORTING THAT ON MY CONSUMER REPORT! THAT IS NOT 100 % ACCURATE ACCORDING TO 15 USC 1681e ( b ). I also have no contract with this company allowing them to REPORT to my consumer reports. THIS IS INDEED FRAUDULENT AND I AM DEMANDING THESE ACCOUNTS BE DELETED.

YOU ARE IN VIOLATION OF 15 USC 1681e ( b ) - MAXIMUM POSSIBLE ACCURACY 15 USC 1681a ( 4 ) - ACCURACY AND FAIRNESS 15 U.S. Code 1681c2 - Block of info 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2022-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 I was informed that Select Portfolio Servicing published false information on my credit report, causing my credit to drop XXXX pts. I contacted the FTC and was told I could sue under the FCPA for any false reporting. I have had numerous issues dealing with this company, and after I informed the appropriate agency they retaliated by reporting false information on my credit report. In the month of XXXX after requesting an escrow closing, I received 11 letters from SPS, nothing having to do with my escrow account, except 1 letter. The other letters had nothing to do with what I was addressing. SPS did finally close my escrow account however, after checking online, I noticed the amount on my statement is wrong, my principal and interest adds up to {$530.00}. SPS has not modified my XXXX statement and they have not omitted the escrow account, which is closed. Moreover, as of XX/XX/2022, I have not received my mortgage statement. But they have sent 10 letters, not addressing my issue. They also sent me a letter with the following address : Select Portfolio Servicing, Inc XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX  XXXX Ironically, I did not see a copy of the letter with the XXXXXXXX XXXX address online XXXX but I do have a hard copy. The letter stated to send my mortgage payments to this address. This is not the address on my mortgage statement. I have never seen this address. I have requested numerous request to receive my monthly statements on time, yet again, they are always late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: LAKEVIEW LOAN SERVICING, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have been trying to make my monthly mortgage payment since XX/XX/XXXX that is due on XX/XX/XXXX. I have called Lakeview Loan Services every day multiple times a day and unable to get through by phone. There is an automated recording saying that the network is down. Ive logged into the Homeowners portal and unsuccessful with logging in.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
The Following inquiries were due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-06
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2022, XXXX XXXX agreed to waive the late payments and remove the 2 recent, late payments for four different accounts I have with them. The delinquencies are still on my credit file and need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have a Wells Fargo Debit Card. I took out {$60.00} from an ATM. There was a {$3.00} fee for taking money from a non-Wells Fargo ATM. However, Wells Fargo has also hit me with a {$2.00} Non-Wells Fargo ATM Transaction Fee and another {$2.00} NON-WF ATM BALANCE INQUIRY FEE. That totals {$8.00} in fees for taking cash from a non-Wells Fargo ATM.

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 2023-01-14
Company: Telsa Motors Inc
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
On XX/XX/XXXX and XX/XX/XXXX with XXXX seperate purchases at Tesla, I was told and lied to by associates over the phone by Tesla both in XXXX and in XXXX, They told me Tesla will not drop prices over the next 30 days and that I should feel assured I was buying the car and the price was the lowest of which Tesla would allow and to please sign as fast as possible as I had to take delivery that specific day. The pressure to sign that day and the sales tatics portrayed were predatory and illegal including admitting to recording phone calls in the state of Florida that per Florida Statue 934.03 ( 2 ) ( d ) is illegal without notification or consent from both parties. They then on XX/XX/XXXX less than two weeks after the original purchase dropped the prices 20 % on one vehicle and 13 % on the other vehicle I purchase causing financial harm to myself as well as emotional and mental harm for being dupped and lied to by persuasion. This is one illegal in multiple manners but two completely irresponsible for such a large company to mislead and misrepresent facts and not make the clients whole or take back the UNUSED merchandise which has not even been titled to the purchaser within that given timeframe. Please help in this instance, I feel helpless as a consumer whom was soo clearly lied to, took advantage of and misrepresented to. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: EQUIFAX, INC.
State: DE
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 and XXXX Account, has violated my rights. 

15 USC 1681 SECTION 602. A. states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code ( A ) subject to section 1681s3 of this title, any 15 U.SXXXX Code 1681b - Permissible Purposes Of Consumer Reports 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6802 - Obligations With Respect To Disclosures Of Personal Information 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681 - Congressional Findings And Statement Of Purpose 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies 15 U.S. Code 1681n - Civil Liability For XXXX XXXX 15 USC 1692j. Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
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 was a victim of identity theft and I'm sending this request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) credit bureau are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NY
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 says I am an authorized user and i never applied for that card.

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 2022-10-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Regarding Synchrony for Amazon XXXX I obtained a Synchrony card and there are {$310.00} worth of fraudulent charges on the card. All of the charges are Amazon XXXX charges, including XXXX, XXXX, etc. I provided the company with a detailed list of each charge in writing. I also paid the legitimate balance and closed the account. The company is unreachable, online chat resolution is ineffective. Calls go to an outside call service and are dropped after 15-2- minutes of holding, or transferred until finally dropped. The email section of the website is out of order. I would like the company to research and omit the fraudulent charges and stop sending me bills.

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 2023-01-14
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Hi I am XXXX XXXX. 
So pretty much 5 months ago I lost my wallet and I lost green card and social security card and Apple Card by Goldman Sachs and somebody misused it and put the account on charges of {$3000.00} now I want to close that account and there are some few addresses also Ive never put on my account so pretty much somebody misused totally and put all my accounts down and my credit score, I would appreciate if yall can help me out. 
My reach out cell phone number is ( XXXX ) XXXX XXXX. 
Email contact- XXXX Thank you and welcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
n accordance with the Fair Credit Reporting act XXXX XXXX {$830.00} 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 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 2021-09-28
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX made me purchase my own insurance separately. XXXX XXXX XXXX willfully and knowingly failed to disclose vital information pertaining to the finance charge and also my right to rescind/request validation of the debt. 

Ally Financial XXXX has unlawfully collected 52 completed payments from me on behalf of this alleged debt. Ally Financial has harassed me regarding this debt. Ally financial has abused my rights so be it pursuant to 15 U.S. Code 1692d. I have given Ally Financial an opportunity of notice to settle these violations civilly and in accordance with federal law. Ally Financial XXXX response was completely deceptive and misleading, following the willful neglect to validate the debt in a manner which is admissible pursuant to law as I requested validation of debt 15 U.S. Code 1692g. As the original creditor I DO NOT validate this debt therefore Ally Financial must remove the debt and provide remedy for the damages sustained by their willful an knowing violation of my rights. 15 U.S. Code 1692k.

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 2023-11-29
Company: Keynote Consulting, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Keynote Consulting calls me repeatedly, multiple times a day. Im working to try to figure out my debts and challenge those I didnt have information about. Im currently unemployed with XXXX XXXX children. I agreed to a settlement and a payment plan once I knew the debt was legitimate. The agent who called demanded XXXX a month. When I said we might be able to do XXXX he got aggressive and rude and cancelled my settlement and began harassing me. I tried to ease the conversation and tried to tell him when I would be able to make a payment and for how much. He immediately lost his mind and began cursing and yelling and threatening me. Saying he was going to take further action against my family. He was horrible and derogatory. He kept threatening to make my credit worse and made me upset and scared. He screamed he was done talking to me and yelled over me and then hung up after finishing threatening me. 
I am also struggling with XXXX, physically and mentally. Ive been in and out of treatment for a while and can not handle this kind of treatment as it takes me back to really bad times of my life. The stress landed me in the XXXX  for a XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
In response to the letter date XX/XX/XXXX 1. Loan Validation Direct loan servicing center ( XXXX ) has never sent an itemized balance sheet showing how much was paid and how much is left. 
If I have no loans serviced by Nelnet then why is Nelnet using XXXX XXXX and other agencies. Denying my status with social security. 
have never received a statement from XXXX to show my loan balances and occurring payments done from XXXX. XXXX XXXX  never sent a validation by fair debt standard. 
2. SSA Benefit offset I was legally XXXX XXXX in XXXX of XXXX. My last payment to XXXX was XXXX of XXXX. 
Attached is a test done in XX/XX/XXXX and was ordered by new york state office of temporary & XXXX   assistance. 
An independent specialist and my physicain  came up with two test that concluded I was XXXX  XXXX. 
My XXXX date was officially XX/XX/XXXX My review was scheduled for XX/XX/XXXX. 

that qualifies me for 5 to 7 year XXXX. 

So how can Mr XXXX of Federal student loan aid disqualify me when two independent specialist did the test. 




If we have received information from the Social Security Administration ( SSA ) indicating that you are receiving Social Security Disability   Insurance ( SSDI ) or Supplemental Security Income ( SSI ) benefits  and that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination. 
If you are receiving SSDI or SSI benefits and your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX determination, but we did not contact you about a XXXX discharge, you can apply and provide documentation of your SSA notice of award for SSDI or SSI benefits or a Benefits Planning Query ( BPQY form 2459 ) stating that your next scheduled XXXX review will be within 5 to 7 years from the date of your most recent SSA XXXX   determination. 



3. XXXX Applicaton Status My XXXX has certified and sent the necessary paperwork

Company response to consumer: Closed with explanation