BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: Synovus Bank
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for a credit card from First XXXX on the XXXX of XX/XX/XXXX but was not forewarned of the fees involved, nor their terms. I did read the fine print but there were no red flags or forewarnings. It was a secured card but I was not told what my credit limit would be until after they charged me. My credit limit was about half ( XXXX dollar limit on a secured card ) of what I would be paying to start the card plus exorbitant monthly fees and penalties. Upon discovering this I decided not to proceed and declined the offer only to discover they had already charged me for the card. When I called to resolve it they kept telling me to call back the next day. When I finally called today ( XX/XX/XXXX ) the representative refused to give me any information on a refund, saying they couldnt do that. I asked to speak to a supervisor hoping they would be more helpful/knowledgeable. I was wrong he was worse saying that it was handled by another department. When I asked for an email or phone number ( everything up to this point had been handled digitally or on the phone ) he said that department didnt have a direct phone number or email. When I asked to be transferred then he said they didnt transfer calls. I could only reach them by fax and I have absolutely no access to a fax. No one I know does. Nor was I informed of what information I needed to send or the fax number ( if it had ever been possible ) before he hung up on me. So now I have a remaining charge on my account for a service never rendered and no way to get my money back. Terrible service and scam company if you read reviews on XXXX They have multiple card companies under different names. Theyve also charged many others without warning or reason and made making payments impossible for them while collecting interest and late fees even when the person never received their card. 

Alternate names involved : XXXX XXXX XXXX XXXX XXXX XXXX. 
First XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX, Operations Manager Contact Information Customer Contact XXXX XXXX XXXX, Operations Manager Headquarters : XXXX XXXX XXXX XXXX, GA XXXX XXXX Other complaints and problems documented by others as their seems to be a pattern XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Envios de Valores La Nacional Corp.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
XXXX XXXX initiated a money order transaction on XX/XX/XXXX, amounting to {$100.00}. However, the money order went uncashed due to the closure of the intended recipient 's office. Despite this, the post office has not returned the money order. As a result, " XXXX XXXX '' is now faced with the task of issuing a refund, necessitating either the presentation of a valid receipt or the cancellation of the money order to reclaim the funds. Unfortunately, efforts to communicate with the agency have been marked by repetitive and unproductive interactions, leading to frustration.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was never mine. It is affecting my credit score.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-23
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received an email from American Express on XX/XX/XXXX that my credit score is down by XXXX points due to a delinquent account. After a careful investigation, I find my American Express credit card ending in XXXX has unrecognized charges posted on it since XX/XX/XXXX ( {$25.00} ), together with interest charges, late fees and another unrecognized charge on XX/XX/XXXX ( {$25.00} ). There are several evidence to show that I experienced identify theft. First, the charges were for XXXX - XXXX XXXX, but I no longer own any car since XXXX of XXXX. Second, the charges took place in New York XXXX XXXX, but I live in XXXX Massachusetts. Third, I never received any email notification from this credit card regarding the credit balance. I found the email contact under this account is not mine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Multiple inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX   XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The Credit Bureaus stated that my XXXX XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also UNLAWFULLY reported COLLECTIONS on my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an 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 2017-05-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Good Morning, I am a borrower fro m Navient,   previously known as  XXXX   XXXX .   They are the worst.   I requested a loan 10 years ago, made payments over the years, and the loan has actually gone up! But that 's a different issue all together.   I requested a copy of my master promissory note to understand why the rate is rising rather than going down. At this rate, I will never pay of my student loan. I will continue to make {$45000.00} a year with {$14000.00} a year in student loan payments, ineligible for any assistance in anyway.   With the promissory note came t he Cover Letter  for the initial request for the promissory note. On the cover letter is my social security number and the social security number for another individual I DO NO know! At this point I can not trust them that my loan payments have even gone towards the loan itself! They could be sharing my social security number with other individuals like they did with me!   Ive asked for answer  from Navient w ithout any response.   My original loan amount was {$20000.00}, and the current balance is {$39000.00}. Ive paid over {$26000.00} into the loan and its still at {$39000.00}!!!   The loans interest rate was also not supposed to exceed 9 % and its been at 10.5 % for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: AZ
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently have an outstanding credit card balance with Bank of America based on one of their special offers where you have a certain amount of time to pay off the balance with out being charged interest, I have until  XXXX   XXXX  to pay the balance in full. I was surprised when I received my  XXXX   XXXX  statement to see I had been charged a minimum interest fee of {$1.00}.     When I contacted BOA the customer service representative stated I was charged interest based on their annual fee of {$75.00} because the annual fee is added to my account as a purchase, he also stated since the annual fee was charged on  XXXX   XXXX   XXXX  and I did n't make a payment until  XXXX   XXXX   XXXX  I was charged the minimum interest and even though I pointed out that I made a payment on  XXXX   XXXX   XXXX  he would not credit my account the {$1.00}. I also argued this is not ethical as they are charging me a fee against a fee.

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 2018-10-26
Company: AVANTE
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:
XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX AVANTE USA REASON IS EXPLAINED BELOW XX/XX/XXXX DXXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX XXXX XXXX REASON IS EXPLAINED BELOW XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Block, Inc.
State: NJ
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:
We are a small business company and we accept credit cards, we sold a merchandise to one customer and he paid us with a credit card, the credit card company processor ( square ) place a hold they are alleguing that the credit card is stolen, which is not true, we asked them for evidence and they refused to provide it, we are dealing with that customer since 2021 and never had any issue. 

We call them and they refused to transfer me with a supervisor or escalate the desition when I asked for the names of the representatives and they refused to give us the name of the supervisor, they were very rude with us especially one of them named XXXX '' they do not want to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: EQUIFAX, INC.
State: CT
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 a complaint. The credit bureau said they verified the information but have yet to provide me with the verification. Once again the information that is showing on my credit report is incorrect. It appears that the company knows the credit bureaus are not verifying the information as they are supposed to so they just change the information around because the credit card do not properly verify. I have asked for whatever they are using to verify but was told they do n't have anything  XXXX   XXXX   has removed this because they were n't able to verify any information. There is a copy of  my 1st co mplaint listed below.               whom i t may con cern, I mailed several letters of dispute las t one b eing certified on  XXXX   XXXX   XXXX  in regards how   XXXX   XXXX   is reported on my credit report. Once again within a few days it comes back as verified.  XXXX  is reportinb me to be anywhere fro m 30 to 90 s ays late and being over  100,000 b ehind. They only purchased my mortgage in  XXXX  from another servicer. In  XXXX  I obtained a government modification which at that time my acct was at a  XXXX  past due and my new payment became  XXXX  a month. It does not add up. I am given the run around when it  comes to verification. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that  any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response a week after the receipt of my certified letter, one can assume that there was no investigation into the matter. I was told they have reinvestigated the account but it seems that all they have done is parroted information given to them by other sources and shifted the burden back to me to to contact the creditor to verify the account which is clearly a violation of  XXXX  ( a ) (  4 ). Under section 611 ( 5 ) ( A   ) of the FCRA states the CBA is required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: EQUIFAX, INC.
State: NC
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:
The Credit Bureaus stated that my XXXX XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also UNLAWFULLY reported COLLECTIONS on my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMCA is attempting to collect on debt that I never established a contract  with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (   XXXX   XXXX   XXXX   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.  AMCA are in violation : Violation of the Fair Credit Reporting Act Viol ation of the Fair Debt Collection Practices Act Defamation of Character an d the HIPPA L AW.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-13
Company: Ditech Financial LLC
State: MO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ditech Financial LLC Was asked to provide the  ORIGINAL  signed Note giving them the right to collect. They continue to send a letter of service agreement. We are receiving notices from several entities on the same debt.

Company response to consumer: Closed with explanation