BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am writing to formally lodge a complaint concerning the handling of my recent account restriction issue. Despite multiple attempts to address the matter, I find the resolution process both inefficient and frustrating. 

The problem lies in a notification stating that a letter was sent to my previous address and returned undeliverable, subsequently leading to the restriction of my account. I acknowledge my oversight in updating my address promptly after moving, but the challenges faced in resolving this issue have been needlessly cumbersome. 

Numerous calls to the customer service have yielded sympathetic yet unhelpful responses. I was instructed to submit specific documents for account review, but my attempts to clarify which documents are required have been met with ambiguous responses. Moreover, the promised 24-hour response time for messages on the website has not been adhered to, leaving me in a state of uncertainty for two days. 

This situation is particularly distressing as it is the second time I am encountering such account-related complications. I expect a more efficient and customer-focused resolution process from a reputable institution such as Synchrony Bank . 

I appreciate your immediate attention to this formal complaint and trust that it will be addressed with the seriousness it deserves.

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 2019-07-05
Company: TRANSWORLD SYSTEMS INC
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have had numerous issues with University Accounting Service ( UAS ) related to them losing my checks or allocating the checks to the wrong months and thus leading to late fees and delinquencies on my credit report. Below are the specific details : - In XXXX and XX/XX/XXXX, two checks that I sent via my bank were lost by UAS or allocated to the wrong account by UAS resulting in late fees and a drop in my credit score. I repeatedly email and called UAS in XX/XX/XXXX and again in XX/XX/XXXX to resolve this issue. I even sent them copies of the cleared checks. 

- In XXXX or XX/XX/XXXX ( it is unclear from their website and with repeated discussions via phone ), another check was lost or allocated to the wrong account. They acknowledged that it was an error from the accounting department. 

- I send an electronic check via my bank account monthly 4-6 days before the due date on the first of every month. Despite, not making any changes in their recurrent payments, the check that was sent on XX/XX/XXXX to pay for the XX/XX/XXXX due date was instead allocated to XXXX. This caused a late payment for XX/XX/XXXX and no deduction of the amount that I already paid for XX/XX/XXXX. 

These are recurring issues with UAS. I have spent over 3 hours total with customer service. They are inept with understanding the issue, demand that I pay on the 1st of  the month rather than 5 days earlier. The amount that I owe nor that amounts that I have already paid are not clear on their website. This makes tracking my payments difficult and I do not trust that their calculation of how much I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am in the process of disputing a entry on my Experian XXXX report for my vehicle VIN # XXXX. 

The report ( attached ) indicates that my car has a odometer problem due to the following entry : " XX/XX/XXXX XXXX XXXX XXXX  XXXX miles Auto Auction REPORTED AT AUTO AUCTION '' This entry is clearly incorrect as the prior entry made on XX/XX/XXXX shows XXXX miles and the next entry made on XX/XX/XXXX shows XXXX miles. 

Moreover, I have run a XXXX report ( attached ) on this vehicle which has no record of this incorrect odometer entry. 

I would like XXXX to resolve this issue by removing this incorrect mileage entry. The incorrect odometer entry in the XXXX report for my car has significantly reduced the resale value of the car and financial damage to me each day I can not sell my vehicle while waiting for XXXX to complete their verification. I would like for XXXX to address this issue as soon as possible. 

On XX/XX/XXXX I contacted XXXX via their customer support email and received an automated reply that XXXX # XXXX has been created. 

On XX/XX/XXXX I received a followup from XXXX customer support that " In answer to your inquiry, the event has been submitted for verification to our data source... please consider our time frame is 1-3 business days to deliver a response. '' As of XX/XX/XXXX after not receiving any further communication from XXXX I called their customer service number asking for an update on my case. The customer support representative informed me that they are still verifying the information from their data source and did not know when this could be completed. They stated that I could speed up the process by contacting the data source myself but after asking to provide the contact info for this data source they stated that this information could not be provided and all I can do is wait for them to complete their verification, which as I state again, has no confirmed XXXX or timeline. 

I find this response to be unacceptable given the negative repercussions consumers experience due to XXXX 's incorrect reporting.

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 2018-10-20
Company: EQUIFAX, INC.
State: VA
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 did a hard pull on my credit file without my Authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: MIDFIRST BANK
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2019 I discovered online that VIO Bank ( based in Oklahoma ) was offering 2.52 % APY for its high yield online savings account. I did some research and even called its customer service ( XXXX ) to ask a few questions. After my questions were answered, I decided to open a joint savings account, but was instructed by the operator to complete the application online. On the same day, I completed the application for a joint account using personal information. The application also contained some questions for identification after the personal information was entered. I completed all the questions and submitted the application. As a result, I received a message indicating Unfortunately, we can not process your application. I tried reapplying for the account for three times afterwards, but received the same results. My application was rejected. I called the customer service number ( XXXX ) on XX/XX/2019 to inquire about the rejection. The lady operator asked for my SSN. After looking at the application, she mentioned she could not reveal the reason why my application was rejected and instructed me to reapply online at a later time. I asked to speak to a manager but was informed no additional information would be provided by the manager also. I  expressed my concern that VIO bank collected my personal information, failed to explain the reason for rejecting my application, and may possibly divulge it. It wasn't fair for them to hold my personal information without providing any service. I have an excellent credit score, and there wasn't any reason for a rejection. But the operator couldn't provide any further assistance. I reapplied later on XX/XX/2019 for one last time, but was rejected again. I am not satisfied with Vio Bank. They're hoarding my personal information and not providing any resolutions. On their website, I discovered other people also had the same ordeal and voiced their experiences. Neither its website nor its live customer service were useful. VIO Bank needs to be held accountable for their shady business practices. I'm demanding some action be filed against them. Thanks

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 2020-07-16
Company: CNG FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this company {$290.00} for a {$200.00} loan already back in XXXX of 2013, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in 2013 and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Experian Information Solutions Inc.
State: AL
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 have tried to get three credit bureas to send validation on accounts on my credit reports only to get reports back saying that the accounts have been verified. This is not validation. Asking for signed documents of my signature on accounts that have been disputed by me. Accounts were disputed three times since XX/XX/2018 thru XX/XX/2018 and credit bureaus say they are verified. Need validation on accounts or remove from credit report. XXXX : XXXX XXXX judgement for possession of apartment only, no money judgement by court, this account is reporting as deceptive and unfair practices. 
XXXX XXXX no validation, statement is account has been transfer/sold. XXXX  XXXX no validation on account creditor sent out deferred payment agreement on account that has not been validated.XXXX has same accounts XXXX XXXX, XXXX XXXX, XXXX   XXXX, and also Bankruptcy chapter XXXX that I have letter from Bankruptcy court that they do not verify information with credit bureaus.I also have placed a freeze on XXXX.Experian has XXXX XXXX, XXXX XXXX, XXXX XXXX, and Bankruptcy chapter XXXX. Documents attached. 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 2018-08-12
Company: SUNTRUST BANKS, 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: Account status incorrect

Complaint:
Every few months SunTrust bank, for some reason, reports that my home equity line of credit is closed. Every time this happens, my credit score with XXXX and XXXX XXXX plummet. Then it will be fixed, then it will be OK for a few months, and then SunTrust will spitefully report again that the account is closed. I believe they are doing this because they know I am shopping around for another lender to take over this loan because I am not happy with their customer service. I can not get it through their thick skulls that the account has been reaffirmed after my bankruptcy in XX/XX/2014. Since the account was open in XX/XX/2004. I have never missed a payment. 

Every time SunTrust reports the account is closed hurts my credit score and I wanted to stop once and for all.

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 2023-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I had my credit union send a payment of {$25.00} on both dates. The payments were sent and cashed by Bank of America. The payments were applied to a closed account which showed I had a credit of {$50.00}. I seen the mistake and asked them to transfer the {$50.00} credit to my open account. They said they couldn't do that and they would send me a check in the mail. That conversation took place on XX/XX/XXXX. I spoke with them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told they need to investigate, the check was in the mail and I would receive a letter regarding the investigation. I received the letter today XX/XX/XXXX. The letter was dated XX/XX/XXXX and they said they were investigating my open account with a different account number. After the numerous calls they are investigating the wrong account. I spent about XXXX minutes between two phone calls on hold at XXXX this morning and was kept on hold. I have given them the dates sent from my credit union with the confirmation numbers that they received the money and that was taken from my account. The closed account and the open account I was able to review on their website. On XX/XX/XXXX, the closed account was taken off the website. I was able to talk once with a manager but with no help. Bank of America employees have been rude to me and have given me the run around. Bank of America knows that I have a {$50.00} credit on my closed account which was even showing on the website. Also, they know when the payments were received.

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 2023-03-10
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:
I have ask the company to do a full review of all information on the account they verified the account information as correct but I have found many different reporting dates in all reports account name XXXX account # XXXX In accordance with the fair credit reporting act XXXXXXXX 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 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 2018-10-21
Company: EQUIFAX, 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:
Haveing serval inquiries that are not mine .possible due to data breach Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Experian Information Solutions Inc.
State: WA
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:
According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained Through personal interviews with neighbors friends or associates of the consumer reported on are with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation? According to the law every piece of information reported on all accounts is supposed to be investigated, verified and 100 % accurate, after sending certified request to conduct proper investigation and remove inaccurate accounts they are still reporting these accounts as 100 % accurate, and according to the FRCA 15 USC 1681 everything has to be a 100 % accurate I have the credit report Showing the inaccuracies still reported.

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 2018-08-12
Company: Bridgecrest Acceptance Corporation
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made my final scheduled payment on an auto loan with Bridgecrest ( formerly XXXX ) on XX/XX/2018, a few days before the scheduled maturity date of XX/XX/2018. When I made the final payment the agent that I spoke with informed me that I had 90 days from the maturity date to pay the remaining balance on the loan. I paid the remaining balance 84 days later on XX/XX/2018. Roughly a week later on XX/XX/2018 I pulled a new credit report and was surprised to find that they had reported 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. 

At no point during the initial conversation did the agent mention that it would be reported negatively during the 90 days. I also spoke with an agent a few times during that 90 days and was never told that it was reporting negatively or that it would report negatively. After pulling the credit report, I contacted the loan company and spoke with a manager who assured me that it would be fixed. A few days later I received a credit reporting letter with an account status of " Paid / 81 days past due '' and 1x30 for XX/XX/2018. Again I contacted the loan company and spoke with a different manager that is now stating that there is nothing that they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX called on XX/XX/XXXX at XXXX XXXX  regarding a debt owed to Sunrise Credit for XXXX University. I asked the representative to provide verification of debt and all communication in writing. The individual became aggressive, rude, and began overtalking me. She demanded I tell her if I was going to pay the debt. I asked when was the debt established and she stated XXXX. She then stated several letters had been sent. I asked when and she stated a couple of months ago with no valid date. I then asked for a new letter. Again, aggressively she stated that she needs an answer right now on whether or not I would be paying the balance owed so that she could close out the records. When I began to speak she spoke. I had to ask several times for her to allow me to speak. Finally she said she was going to close out the account although I asked for written correspondence and did not state if valid that I would pay. Due to the aggressive and verbal abusive tactics I chose to end the call.

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 2022-10-31
Company: Bread Financial Holdings, Inc.
State: OH
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:
I purchased a couch through XXXX XXXX on XX/XX/2022. I applied for a credit card to purchase the couch. The credit card company is called Comenity. We were approved for {$1000.00} which covered the entire cost of the couch. Since XX/XX/XXXX, we have made ALL payments on time however, nothing has been reported to the credit bureau. When I look up my credit report, it shows that the line of credit is still being used at 100 %. That is not true because we have made payments on time every month. We called the company and the representative stated that As you know, the system had been down for 3 months. And that It is not their fault, its the credit bureaus fault. We paid another payment and nothing still has not been reported to the credit bureau, which is affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-10
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Money was sent to this company/individual who scammed me saying never received money after I sent him wire transfer date XX/XX/2021, amount {$400.00}. I messaged him via text and pls find enclosed attachment of the conversation, his reply ( never received money ). I tried contacting my bank SANTANDER and they have denied my claim 3 times without even contacting the XXXX XXXX for dispute and claiming my hard earned money back.

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