BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
This is a new and second complaint with a bank that has reduced my credit card limit to punish me for having a dormant account. I received an alert from my XXXX account that Synchrony Bank has reduced my credit limit for my JCPenney credit card. My JCP card is dormant. I have never been late or delinquent with any of my credit cards. I had a Credit Score of XXXX but it was reduced because of having my limit reduced by XXXX XXXX On XX/XX/2023, I filed complaint # XXXX because XXXX XXXX reduced my credit limit on my XXXX XXXX credit card even though it was dormant. When I used my XXXX XXXX card, I was never late or delinquent. When XXXX XXXX reduced my XXXX XXXX credit card limit for no reason other than the credit card was dormant, my Credit Score was reduced to XXXX. Now, Synchrony Bank has reduced my credit limit on my JCP credit card only to punish me for not using their card. The same thing is happening. I do not deserve to have my Credit Score of XXXX reduced because of the card being dormant. No warning from Synchrony Bank was given. Neither XXXXXXXX XXXX nor Synchrony Bank should be allowed such discriminatory practices.

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 2023-09-30
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
They told me my forbearance was good from XX/XX/XXXX till XX/XX/XXXX and to start paying the loan back on XX/XX/XXXX so I did, they then threw it into late pays and instead of deferring the total amount of missed payments to the back end they are calling it all due and payable. I had a request in to pay my own taxes and insurance way before the forbearance and they did nothing with that request. I have a XXXX per cent XXXX and had already paid the taxes and insurance myself so now their payoff figures are wrong. They told me they would call me when to send them my financials and they never did. We then sent them the paperwork they requested in mid XXXX and I made the payment on XX/XX/XXXX but began reporting us as late. We also had been approved for a XXXX under the XXXX XXXX XXXX and that was not explained to us that the program would take a long time and therefore nothing was settled on time however I did start making the payment when they told me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: EQUIFAX, 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:
XX/XX/21 I mailed in an FTC report to all 3 bureaus. There were accounts listed on there as a result of identity theft. Pursuant to 15 USC 1681c-2 this information should have been blocked by XX/XX/21. I also see that my information was disclosed to a 3rd party. Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from a consumer report pursuant 15 USC 1681a ( 2 ) ( B ). The bureaus are in violation of the FCRA. I am being contacted by collectors and the debts have nothing to do with me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: ALLY FINANCIAL INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is still showing Alloy financial on my credit report its been on my report for XXXX plus years my balance was paid in full but they will not remove it also called alloy to have this acct deleted also

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had entered into a non- binding mediation proposal with XXXX XXXX because of the use of my credit score to profit by the bank and the opening of an unauthorized checking and savings account on my behalf by the bank. On XX/XX/2022 and on XX/XX/2022 l had sign an agreement with the bank because of the terms listed on the mediation proposal by the XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX had paid to me the sum of {$970.00} for the agreement made because of the mediation proposal. The agreement was for XXXX XXXX to pay to me the sum of {$700.00} grossed. The sum of {$970.00} paid to me by XXXX XXXX is a very little sum of money compared to what the mediation proposal had ask to be paid. The proposal had ask for a two year identity theft protection along with the {$700.00} grossed to be paid to me by the bank, XXXX XXXX XXXX. XXXX XXXX had ask me to enroll in Experian XXXX, a {$60.00} XXXX in value base upon my opinion. I had told the bank that l had enroll in Experian identityworks because of the lawsuit file by Experian because. of the data breach that had occurred and the settlement of the lawsuit that was file because of the Experian data breach. I was told by the XXXX XXXX mediation program office and by the claim representative of XXXX XXXX, XXXX XXXX, that the most XXXX XXXX  could offer me for my failure to procure the identity protection service offered by the bank because of my prior enrollment in experian identity works offered also by XXXX XXXX is the sum of {$200.00}. I would like for the consumer financial protection bureau to inform XXXX XXXX of any exact amount of money owed to me by the bank, XXXX XXXX because of the agreement made between myself, XXXX XXXX XXXX  and the XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: NJ
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative 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 or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions. 

I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

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 2021-02-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing ( SLS ) reported my wife and I to the triple credit bureau in error and they refuse to retract the 60 days past due delinquent. This hurted us severely, particularly, it is coinciding with a refinance in progress. SLS, in compliance with the CAREs Act, granted us for forbearance in XXXX, XXXX and XXXX of 2020. They guaranteed no negative reporting or foreclosure. In XXXX of 2020, payment was resumed plus an additional ~ {$900.00} to offset the missing interest during the forbearance period. this additional {$900.00} was applied from XXXX until XXXX of 2020. All payment were made as suggested by an SLS agent. However, SLS, the 1st time, reported us to the credit bureau as a 60 days past due delinquent. We called SLS at least 15 times, we filed a complaint with XXXX, and disputed this with the triple credit bureau. On or about XXXX of 2020, the negative reporting was cleared. This week, we noticed that SLS repeated the same negative reporting with same issue : a 60 days past due delinquent. We have already disputed this with the credit bureau the ( 2nd time ). SLS refused to retract the negative reporting and the customer service agent had apathy to our situation and was very rude and emotionless.

I have all the emails confirmation of all the payments made sent from SLS since XX/XX/ 2020, until the present time. Please help us with this ordeal and if you need any proof of payments, we will be more than happy to send them to you. Thank you kindly

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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX was paid the balance they said I owe back in XX/XX/XXXX. I send proof ( bank account statements ) that the amount was taken out from my account on XX/XX/XXXX {$430.00} which {$300.00} was for an early cancellation fee and the rest was what I owe for that month. I've spoke with someone from XXXX XXXX and they no longer have any records of my account. I confirmed with my personal bank that the transaction of {$430.00} went through to XXXX XXXX on XX/XX/XXXX. 
Transworld System Inc is saying that their client XXXX XXXX XXXX says I still owe {$300.00} but when I ask for proof they refuse to send it to me saying " Proof was already mailed to you or we are waiting for our client XXXX to submit more proof of that debt still owe ''. Till this day I have not received any proof that in fact is my debt to begin with. 
This problem has been going on for months now since XXXX and is now impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions Inc.
State: MI
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXHave 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 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 2020-09-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My problem is with Wells Fargo Bank and started in XXXX of 2020. As I am a nurse with the XXXX XXXX, I have been busy lately. To begin, this was my fault. I missed a payment of {$40.00}. I wrote to Wells Fargo asking them to forgo the late fee. I received a letter from XXXX XXXX in the Executive office stating that if I paid the remaining amount they would forgo the late fees. I sent in a check for the amount stated the next day. I also had sent a letter to the XXXX. I have no control over the mail, where the check went or who saw the check. I received a letter stating I sent it to the wrong department but the check was deposited the same day. I have now received 7 letters and payment letters with late fees included. A letter from someone else in the executive office, a letter from the banking team. All the letters ignore or have no knowledge that I paid the loan. I seam to get a letter or payment letter every day. This has affected my credit score. I dont know how to end this. Please help me.

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 2022-08-18
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
Discovercard continues to report the initial delinquent date incorrectly with the credit bureaus With regards to the Discovercard account on my credit file. 

This is their data here attached that clearly shows the initial delinquency is XX/XX/2017 per their own records. 

If not fixed immediately I am hiring attorneys to Sue all involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
About 2 months ago, I received a letter from Chase credit card stating they received an application for a Chase Freedom XXXX XXXX credit card using my personal information. The letter stated they needed to verify this is really me. I received the same letter today. I call, give the reference number and am told they will destroy this application. This is twice now! I dont want my credit score ruined, nor do I want anyone using my information to obtain a way to purchase items that I may be responsible for paying for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: Netspend Corporation
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
We acquired a Netspend prepaid credit card from XXXX  on XX/XX/2022 at the XXXX XXXX XXXX located in XXXX Georgia in order to be able to make payments to certain suppliers. We tried in vain to activate this card but we ran into a vicious circle with the XXXX 's help system : you have to contact a phone number, two options, one of which is to receive an SMS with a link for activation however impossible on a XXXX cell phone and the other an email link to submit a series of information to identify us. After sending several emails with personal and other information, we are asked to provide a XXXX identity document, which we are not able to do as a XXXX citizen without residence in the United States. We put XXXX {$100.00} on this card and nothing suggests a solution to settle the whole thing since everything suggests that we are dealing with a robot and not an attendant.

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 2022-07-12
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates 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 2023-11-23
Company: Experian Information Solutions 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On XX/XX/2020 a car rental agreement was put in place between myself and XXXX rental car in XXXX, pa. I was quoted {$85.00} from XX/XX/2020 until XX/XX/2020. Upon traveling to my destination which was XXXX miles from my home, I noticed the gas mileage per gallon seemed to be using more gas than usual. Fast forward to my return home on XXXX day around XXXX..once I was about 30 minutes from home, the vehicle was almost empty. I contacted the XXXX  representative via XXXX XXXX as she sent me a friend request in the app back in XXXX after meeting her securing a rental at some other point. On my way home I did reach out to her and explained all the safety issues concerning this car that she rented me and I traveled with my children!! When I went to secure the rental my capital one card was charged {$85.00}. When I dropped the vehicle back off, within 5 minutes while on my way home, I saw that she was trying to charge my card an additional {$220.00} for a full tank of gas plus the cost of the rental again. 
Because their charge was already pending, even though I canceled my capital one card, they somehow forced a payment of XXXX throwing my capital one card more than {$100.00} over the limit! Why did they charge me when the vehicle was picked up? Why did she charge me again..for gas at a rate of almost {$10.00} per gallon! During a nationwide pandemic?? This is price gouging at its finest! When I contacted capital one on Saturday, they advised the best way to deal with this would be to cancel that card so they could not continue to charge it. On Saturday and Sunday it was pending, by Monday it was pushed through ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
Company: LD Holdings Group, LLC
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 sent XXXX  a dispute letter on XXXX for the negative marks on my account for the amount of {$280000.00} from Loan depot. They came back and said that didn't have sufficient information to dispute.

Company response to consumer: Closed with explanation