BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
The Card Security Program at Synchrony bank card services is credit card issuer for PayPal Mastercard and also servicer to the account. I have paid for card security insurance protection for more than 10 years on this credit card account and filed a claim for XXXX that started in XX/XX/XXXX due to XXXX XXXX   and related impacts it had in my well being. I became unable to do anything except go to walk-in emergency urgent care and hospital emergency room care to try to find diagnosis and treatment for the XXXX of which I was suffering extremely difficult life threatening symptoms. 
I filed my claim for XXXX multiple times between XXXX and XX/XX/XXXX after the forms were filled out by the XXXX XXXX original treating physicians. After seeing 5 different specialists doctors for a number of XXXX related ailments and complications my medical file is ripe with substance and proof of my condition. Therefore I followed all directions to file the XXXX claim which I was also unable to work at all but I only focused on the XXXX claim. I could have also claimed unemployment benefits related claims with Card Security however I was completely unable to work and conduct normal daily routines from XX/XX/XXXX until approximately XX/XX/XXXX. 
Card security had me send them the claims forms about a half dozen times over the course of the first 6 months of XXXX wherein their online system was offline and was not accepting nor processed any payments or claims for my valid XXXX and all I received from Card Security personnel was excuses and zero substantiated support for my claim. 
I have called and written Card Security many many times documented all interactions with them. Their response to me after taking nearly a year to tell me they have struggled to get the XXXX XXXX doctor or his office to respond to their inquiries is that my claim is invalid because the doctor office XXXX XXXX XXXX in XXXX XXXX FL where my treating XXXX XXXX XXXX XXXX worked as staff doctor and my date of XXXX is not valid. I have 5 treating doctors I have seen that all have reached the same conclusions and this is what I am left with. Being told by Card security personnel that my file is wrong and someone has not been contacted to prove that otherwise and that is nothing I can do about it.

I filed a legitimate claim for legitimate reasons after paying for this service of card security for more than 10 years without a prior claim and I am told Im not entitled or eligible? 
This is fraud by card security and bias plus discrimination against my medical conditions and age. Plain and simple and all I want is what I have paid a lot of hard earned money for coverage of my health care claims.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX is hiding under shadow companies threatening language through written communication. I have on several attempts wrote this company and requested who is the master servicer or default servicer they wrote and stated it was XXXX who has reported to XXXX XXXX and public entities of a charged off account and foreclosure when they are not the real party of interest and disputed amounts remain not validated. Because shadow companies XXXX XXXX, aka XXXX XXXX servicing akXXXX XXXX XXXX  is withholding of QWR ( qualified written request ) for contracts and the withholding of financial accuracies as well as filing fraudulent securities instruments. XXXX XXXX and XXXX XXXX XXXX is the operators for california corporation XXXX XXXX. they refuse to its documents, XXXX documents, Insurance claims and payout, note and mortgage, Controversy is present and no resolution in sight.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I am closed with a negative balance on my account. How can i fix it if my account is closed .... I also want to know what happened to the money I been claiming and has been pending.? Cuz it's been over 12 weeks now and not one week of pay. I can easily pay the {$410.00} with my benefits I have pending. So yeah what's going on? Thank you.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX Inquired on XX/XX/2022.

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 2023-08-03
Company: Experian Information Solutions Inc.
State: FL
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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-06-18
Company: Mercedes Benz Financial Services
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Regarding old complaint XXXX, to XXXX XXXX, which XXXX replied to CFPB WITH A LETTER saying they will remove reporting from the 3 credit bureau, that was on their letter on XX/XX/XXXX. 
Starting XXXX  ON XX/XX/XXXX, found out that they didnt do anything They don't respect their promise, they don't care about customers like me although i am a customer since 8 years with 3 cars now, ALSO THEY DONT RESPECT CFPB.

I DID SEND 2 LETTERS, CALLED NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: GA
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. The List of accounts on the FTC Report, has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I traded in a XXXX I had on lease early. During the process I contacted XXXX XXXX several times to make sure of exact amounts and how to pay. The dealer did not pay the termination fee as agreed. When I saw the error I immediately called XXXX and was told not to worry they do not report termination fees as late till 120 days. After contacting the dealer I logged onto my XXXX account online and paid the termination fee. My account screen reflected a XXXX balance. Now months after the lease was paid off early I receive a notice from equifax XXXX reported me 30 days late in XX/XX/2016, 90 days late in XX/XX/2016 and 180days late from XX/XX/2016 through XX/XX/2016 when I made my final two payments early. 

This gross error has cost my credit score to plummet! At no time during several conversations with XXXX was I told my account was delinquent. XXXX never called me once over a 18 month period to tell me my account was delinquent. At no time during that period when I logged online did my account show delinquent. 

I feel XXXX XXXX has violated the FCRA and should be held accountable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
Company: Rent Recovery Solutions
State: OK
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 am trying to buy a house as a mother I was denied and then realized negative accounts causing damage on my credit report. I recently filed a police report regarding the issue and I have submit an affidavit listing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX 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 2023-01-09
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-02
Company: General Motors Financial Company, Inc.
State: IN
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 traded in my car on XX/XX/XXXX. The dealer got a 10-day payoff. GM Financial also pulled another auto payment on XX/XX/XXXX, three days after the car was traded. This resulted in a {$1300.00} overpayment. 

GM Financial received the payment from the dealer and the car was paid off a few days after my payment was pulled. On XX/XX/XXXX, I called and requested that a refund be issued or that the overpayment be applied to my new loan. 

How long can they hold my money before issuing the refund or applying the funds? 

I was told they hold it 30 days unless I go to the dealer and have them send a copy of the front and back of the cancelled check and send them my bank statement showing the funds have cleared. My payment was an ACH payment initiated by them 10 days ago. They should have a way to verify it has cleared with having access to my personal banking information. I also am frustrated they have to mail a paper check when I have never paid them in that manner. 

Overall, I feel like this is a stalling technique even though my payments to them have always been on time. Even if they didn't want to refund it right away, why couldn't they simply apply it to my new loan? They would still have the money. Now I'm paying interest on {$1300.00} more than I should have to on that loan because they are holding my money hostage. I feel like this is an unfair trade practice because they are refusing to refund my money or apply that money to the loan for which they are collecting interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update the following accounts from my file. 

XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9600.00}.

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 2015-04-30
Company: TRANSWORLD SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My son took out a student loan and I cosigned the loan with XXXX company. He has been paying the loan for years. I received a collection notice from a TransworldAgency a debt collection agency stating that the loan was in default with XXXX XXXX. I never received any notification from the original debtor nor from XXXX XXXX stating that they had the loan now. I requested a copy of the promissory note which I received along with a statement showing all my son 's payments ( which is current through XXXX 2015 ). I do not wish to answer this debt collection company. I should not have received any notification since I was not the primary debtor and the loan is current. I have had issues with XXXX XXXX in the past with XXXX loans I cosigned for my daughter where they illegally sued me for payment without any prior notification that the loan was defaulting, etc. I in turn answered the complaints and had the default judgments removed ; however, I am paying the loans now. I did not go after them for unfair collection practices, but this time I wish to. I had signed an agreement with the attorneys that I would drop my lawsuit so they would remove the default judgments against me. It all was totally illegal and being that I had numerous medical issues to address and a full time job, I did not have the funds or the time to pursue suing XXXX XXXX and their collection attorneys. However, this time I wish to do everything in my power to stop XXXX XXXX from harassing those who have loans taken over by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: NJ
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 noticed unauthorized inquiries on my credit that i have never applied for. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXL XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : 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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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 2018-09-02
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow account has risen twice in the past year. When I looked through the escrow, Freedom mortgage is charging me for two insurance plans. In XXXX of last year they paid {$690.00} for XXXX XXXXXXXX XXXX for my up to date insurance that is from XX/XX/XXXX-XX/XX/XXXX. In XXXX they again charged me for {$1400.00} for XXXXXXXX XXXX which I had cancelled in XXXX of last year. I have sent the appropriate emails for an escrow analysis four times with no response and have called the company three times. I was told the escrow analysis and change would happen no later than the XX/XX/18 and I still have not gotten any response. This has been ongoing for 2 months and I have never been late on my payment, but I should not have to pay the substantial increase on my mortgage payment d/t a mistake on their part. 
Thank you, XXXX XXXX loan number 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 2023-12-16
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I submitted a complaint via cfpb to Macy 's on XX/XX/XXXX - complaint number XXXX, requesting that my credit card account with associated online account be closed. Macy 's responded that I still had an outstanding balance ; however, failed to outline in their writing that I was not able to pay my bill without me receiving a replacement card, which I never received. A new account number was assigned without me ever seeing the full account number. To this date, I do not know the full account number. It was truly a credit debacle for which after months and with cfpb 's assistance, I was finally provided a way to pay my bill and the matter was deemed closed by Macy 's and cfpb. However, on XX/XX/XXXX, I received a letter from Macy 's XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, titled, " An Important Notice Regarding Your Account '' stating they are writing me " in reference to [ my ] Macy 's account, please refer to the enclosed privacy notice. '' There was no enclosed privacy notice. The letter further directed that I keep the letter for future reference. I am once again concerned that my record with Macy 's has not been properly closed. I should not be receiving any further correspondence or advertisement from Macy 's.

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 2023-08-02
Company: Experian Information Solutions Inc.
State: TX
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 inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report 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