BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : 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 2023-05-13
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I received an offer to apply for a Chase Sapphire Visa card. I have been a longtime customer of Chase and decided to apply for it to replace my XXXX card. The application was immediately declined so I called to see what the issue was. The gentleman said you already had a Sapphire card, and you can not have 2. I told him I did not have a Sapphire card, I had a JP Morgan Reserve card years ago, the product was canceled, and Chase opted me in for a Saphire card. I have possibly used that card 1x in the last 3 years as I primarly use XXXX. The rep said he could change my card product to a Chase Flex card. I told him that would be fine. After I went through all of the disclosures, he transferred me to another department to discuss the application. The gentlemen I spoke with there said my application was dead and was never processed due to having the Saphire card, now that I no longer had the card, i would need to reapply for the one I wanted. I did that online and it was declined again. I called back for a third time and was told I never should have applied a 2nd time and that the prior agent was wrong. I was then transferred to XXXX in the reconsideration department who told me that I would have to wait 2-3 billing cycles before I could reapply. I told him I would keep my business with XXXX. He did nothing to remedy the situation or attempt to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My private student loan through Citizen 's bank has been deferred since I have been in school full-time prior to all of this ( XXXX ), but I wanted to make a payment to keep down the interest. In XX/XX/XXXX, I used my stimulus check to pay on my student loan ( {$1400.00} ) with XXXX 's, while still in deferment. Then on XXXX of XXXX, I was notified by XXXX XXXX that both my student loans had been sent to collections as a charge off for bad debt because I did not pay for 6 months. They were still in deferment at this point and I didn't think that was possible, so I called Citizen 's and they informed me that regardless of the status I needed to pay $ XXXX now or they couldn't help me. When I asked, " This would have never happened had I not made that payment in XXXX. '' He replied, " I can not answer that. '' I reached out to a non-profit who helps individuals deal with loan companies, but they were only able to advise me to contact the collections through mail only & keep records of all external contact with them in case they try to break the law. 
On my 3 credit reports, each total for these loan balances are different and some even note a {$0.00} balance. I have 4 accounts total on my credit report for XXXX student loans. 
Having 2 accounts open on each loan has created an even greater derogatory mark on my XXXX XXXX ( 1 showing a balance & XXXX {$0.00} ), which has left me questioning what is really my total balance given the different info at every turn. The collections has also given my XXXX XXXX a hit and I am now dealing with both XXXX 's & a collection 's agency for the same problem all while not making an income. 
This morning ( XX/XX/XXXX ), I received an email from XXXX stating that SOMEHOW my loan is back with Citizen 's & now I need to start paying them $ XXXX starting XX/XX/XXXX, when I'm still a full-time student & should have never been taken out of deferment to begin with & no reparations for the irreparable damages done to my XXXX XXXX or the collections agency who is still trying to collect on the $ XXXX themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Synchrony Bank does financing for XXXX XXXX and other retailers. 
I applied for a 90 day XXXX XXXX  XXXX card for {$420.00} purchase XX/XX/XXXX. 

First Billing in XX/XX/XXXX showed a fee for {$7.00} I called the company on XX/XX/XXXX at XXXX XXXX to inquire. 

I was told the fee was for a credit card protection program I advised I did not enroll in any credit protection program I was told " You were approved at time of credit application and you had to opt out or physically decline the coverage in order to not be billed for it '' I believe that automatically enrolling consumers in any type of purchase program be it insurance or rewards or anything that incurs a fee is a violation of one or more types of consumer protection laws. 

E.G. Along the lines of XXXX XXXX issuing cards without consumer request I believe this company includes a fee based credit security program on all online credit applications and the onus is on the consumer to find it and deselect. The fees are small and the company hopes people are not paying attention and assume the fees are interest or other fees. 

The billing statement identifies the fees on page one as Credits, Fees, Adjustments ( net ) and this is not an obvious identifier to the average consumer. 

I am willing to bet that an inquiry into this companies most often complaints are the prepackaging of fee based products without explicit consumer approval. 


My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX The Bank is Synchrony Bank XXXX XXXX XXXX XXXX, Fl XXXX XXXX Note : My fees have been refunded but my inclination is to believe this company puts this product on every single credit application received in advance and hopes consumers wont notice. There is a clear pattern here from Consumer Finance companies in the XX/XX/XXXX and on. Please take a look.

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 2019-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: KY
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 recently reviewed a copy of my credit report and realized some alarming information. I found there were fraudulent accounts that i have no knowledge of I am disputing these inaccuracies and fraudulent accounts because none of these items on my report represent any transaction I made I believe I am a victim of Identity Theft. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all bureaus show that these accounts. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in clear violation of The Fair Credit Reporting Act section 15 U.S Code 1681i- Procedure in case of disputed accuracy. I ask that the accounts be removed from my credit report. 
XXXXXXXX XXXX XXXX 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 2022-03-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment, including escrow account, total changed from {$1900.00} to {$1900.00}. I made the payment of {$1900.00} on XXXX for my XXXX payment, which was {$5.00} short of total due. I always made my payments using Auto-pay and the total was not updated to account for the change in my escrow account contribution. I was contacted by Fifth Third bank by mail regarding the shortage and so I wrote a check for {$5.00} on XX/XX/2021. Fifth Third Bank contacted me by phone and I informed them of the check that was mailed out and they noted the payment was coming. I discussed the situation with the customer service representative. I requested the balance of {$1900.00} be refunded so I could make a new payment in full, {$1900.00}, but that was not an option. I corrected my auto payment to {$1900.00} and made a payment on XX/XX/2021 which cleared on XX/XX/2021. Check of {$5.00} was received and applied to my account on XXXX, bringing my payments to full. Fifth Third Bank reported me to credit bureau in XXXX for delinquent account total of {$350000.00}, not {$5.00}. My credit score dropped XXXX points because I payment was received but not applied to my account. 
The {$1900.00} was not applied to my mortgage account by Fifth Third Bank but was deducted from my checking. When Fifth Third Bank was questioned about why that payment was not applied they stated " they did not know what to do with the payment, and I never called to tell them what to do with it ''. 
I made all payments to Fifth Third Bank before and after the escrow total change. I have never defaulted on a mortgage payment with Fifth Third bank, nor any other mortgage company in the history of me owning my property. All communication with Fifth Third Bank was open and there was no avoidance on my part to correct the issue. The change in payment total did not impact the amount paid to my load, only to my escrow account. When I reached out to Fifth Third Bank there was no negotiation or talk of them helping me to rectify the situation. I requested to speak to complaints department and they stated a paper letter would need to be mailed into Complaints because they do not take phone calls. 
I did not request to do business with Fifth Third Bank, nor was it an option to not do business with them. The fact that I am in a contract with Fifth Third Bank without any control over the situation is absurd. I was planning to make additional mortgage payments to my account to pay down my house faster. This was an option with XXXX XXXX XXXX whom I refinanced with, but is not an option with Fifth Third Bank. I am bound to the contract of a company that does not align with my financial goals and most definitely does not have customer financial well being as a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: SYNCHRONY FINANCIAL
State: CA
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:
I have been a customer with this company for over 10 years and during that time, have enjoyed our experience with the company they partnered with Chevron with XXXX visa credit card greatly. Due to your terms and conditions that are not correctly stated, I have had a few returned payments in XXXX of this year.. Since that time I have been an exceptional customer paying every month on time and never 30 days late and never had a returned check/payment. 
I would like them to consider reopening the credit card. At the time of the reversed payments, I used the " one time '' payment method online rather than adding the account number under " bank information '' - The one time payment did not always recognize the account number and only did if I added the XXXX XXXX XXXX  in front of the account number, for example, my account number on my checks is " XXXX ''. All those payments I would pay this way would be returned. After realizing this I added the bank account under " banking information '' no problem and those payments did not get reversed. This is the only card my family uses to get gas. - I was told I could re apply, but sadly it was an instant denial. 
I say this not to justify why the payments were reversed, but rather to show that the reversed payments are not a good indicator of my actual credit worthiness. I hope that Synchrony bank is willing to work with us on re-opening this account also due to the fact nothing about if there are 2 more more returned payments the account will be closed in Synchrony terms in conditions. 
I have been a very happy customer in the past. I hope to continue a long relationship with Synchrony with today 's credit industry so competitive, I know how important it is to maintain good relationships with customers.I hope that they will deeply consider this request and prove once again why Synchrony is above the rest.

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 2023-01-12
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have asked numerous times for a different repayment option, or an extension for temporary deferment due to a strenuous repayment plan of {$770.00} a month. Regarless of paystubs, W-2, monthly expenses lists, and other financial assistance I have showing I am unable to keep this repayment option I am being told I have no choice but to pay the loan amount due. No-one at XXXX XXXX University XXXX XXXX XXXX XXXX is willing to help me so that my life is not severely affected by this. I am a single mother trying to pay this every month and experiencing extreme mental health issues over this with no care in regards from the lender or finance company they sold me original loan company over to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is a follow-up from complaint # XXXX I updated and submitted information to Transunion and XXXX XXXX days ago to reinvestigate the inaccuracy of the account on my report. When checking my report tonight, they sent an email saying that the accounts were updated. I am aware that under FCRA Section 611, you are required to conduct a reasonable investigation within 30 days of receiving a dispute. During this time, I request that you contact the furnisher of the disputed information to verify the accuracy of the data. In three days, they came back, saying they had updated. See the attachment showing what they just sent.

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 2023-11-13
Company: Experian Information Solutions Inc.
State: TX
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX  XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX : {$530.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$730.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$530.00}

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 explanation
Consumer complaint received 2021-04-15
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems , Inc contacted me by mail on XX/XX/21 about a supposed debt. I asked them to verify the debt through mail and sent them my debt validation letter through XXXX certified mail with a return receipt. The return receipt was signed and my letter was delivered on XX/XX/21. On XX/XX/21 they sent me another letter threatening to report this debt to the credit bureaus if I don't pay it, seemingly ignoring my letter that they received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted an complaint through the CFPB on XXXX, Equifax, and XXXX the complaint number is as followed : ( XXXX XXXX ), ( EQ XXXX ), ( XXXX XXXX  ). My concerns was that their was Incorrect Information on my credit report from my Personal Name, Address I never lived at, Account on the credit report, jobs, phone numbers. Also, accordingly to the Fair Credit Reporting Act on the Furnisher of Information can report anything to the credit bureau on my credit report. Section 623 Responsibility of Furnishers of Information to consumer reporting agencies. All three depositories XXXX, Equifax, amd XXXX is allowing XXXX XXXX XXXX  to report information to them concerning my history. I have never open anything up with XXXX XXXX XXXX. I open an account with another company XXXX XXXX XXXX XXXX XXXX  and their is nothing in the Fair Credit Reporting Act laws that says because XXXX XXXX XXXX brought out XXXX XXXX XXXX   they ave the right to report anything concerning my payment history. I am going to provide everything from XXXX that was on my credit report. That was sent to me in the mail along with a complete credit report from XXXX XXXX. I have been dealing with this since XX/XX/2018 the information I am providing should not be on my credit report. I am not XXXX XXXX XXXX XXXX. I don't have a son. XXXX, Equifax, and XXXX is defaming my character with XXXX XXXX XXXX by allowing false information to remain on my credit report. And allowing someone whom I never open an account with XXXX XXXX   XXXX to report information on me on a close account with whom I had done business with.Just because they brought out the company but their is no law says they have the rights to report anything on me. They are all allowing pass address that I never lived at to remain on my credit report. XXXX   has allowed 13 Inquires that I have never done business with to stay on my credit report, XXXX XXXX XXXX XXXX  needs to confirm with the Credit Bureau XXXX XXXX XXXX XXXX needs to confirm with the Credit Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I contacted Paypal Credit onXX/XX/XXXX via email to stop contacting me via telephone and to only contact me via USPS mail or email. I also sent a letter via USPS onXX/XX/XXXX requesting the same information. Paypal Credit responded to me onXX/XX/XXXX so I know they received my email however, they continue to contact me via their auto-dialer/telephone calls. Multiple calls occurring per day since XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to dispute the inaccurate information present on my consumer report, which all three major Consumer Reporting Agencies have refused to update. Despite providing my name and current address, they persist in displaying incorrect aliases and addresses on my credit report.

The existence of this inaccurate information on my credit report constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 and its subsections. These inaccuracies have inflicted severe financial harm upon me and have adversely affected my ability to secure loans and credit on equitable terms, as creditors are questioning my identity.

The conundrum I face is how to establish my identity when they are presenting multiple names and addresses associated with me. This situation is manifestly unjust. I have engaged in extensive correspondence with them, providing legal documents such as my driver 's license and proof of address, yet they persist in refusing to update my information.

Company response to consumer: Closed with non-monetary relief