BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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:
SOMEONE HACKED INTO MY AMAZON CREDIT CARD AND THIS COMPLAINT CONCERNS SYNCHRONY BANK, THE HOLDER OF THE CREDIT CARD. THIS CARD WAS HACKED FOR 4 MONTHS WITH A TOTAL OF {$16.00} PER MONTH. I HAD TO CALL THE BANK 5 TIMES TO GET SOMEONE WHO KNEW HOW TO DISPUTE THE PROBLEM AND WOULD FIX THE PROBLEM THE PEOPLE I TALKED TO ARE AS FOLLOWS AT SYNCHRONY BANK. XXXX, XXXX, XXXX AND XXXX. THREE OF THESE WERE IN A FOREIGN COMPANY AND HAD NOT IDEA HOW TO FIX THE PROBLEM AND MOST COULD NOT UNDERSTAND WHAT IS WAS TRYING TO GET DONE. XXXX SAID HE WOULD DISPUTE THE CHARGES AND I CANCELED THE CARD. AMAZON SUSPENDED THE CARD AS WELL. THIS BANK HAS HAD YEARS OF ABUSE TO CUSTOMERS AND PLAYING DUMB, OR THEY SIMPLY ARE AND EVERY CORPORATION THAT USES THIS BANK KNOWS THAT THEY ARE MOSTLY IN THE XXXX WHERE THIS KIND OF FRAUD AND HACKING IS RAMPANT YET THEY REFUSE TO DO ANYTHING ABOUT HIRING THESE CORRUPT BANKING INSTITUTIONS. I WOULD LIKE THESE PEOPLE INVESTIGATED AND AMAZON IS ALSO VERY VERY CORRUPT AND ONE OF THEIR PEOPLE COULD HAVE USED THE CARD AS WELL. I DO NOT KNOW IF THE CHARGES HAVE COME OFF, BUT IS SUSPECT THEY WILL FIND A WAY TO NOT REFUND THE FRAUD CHARGES AND THIS IS NOT THE FIRST TIME THAT IT HAS HAPPENED

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 2019-05-01
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My hardship began on XX/XX/2008, due to a very violent robbery on my business, I was shot and badly injured. I could not manage my business and I had a business failure. I had no income and our interest on our mortgage changed and the monthly payments increased. 

We were left in a very bad financial situation. Our household expenses also began to be too high, It was hard to keep up with all our financial obligations. 

Today I live off my social security benefits and my daughter is working and helping with our expenses. 

I have made several attemps asking the several servicing companies and investors to which my loan has been transferred, to review our situation and approve us for the best loan modification program that we are eligible. I would like to maintain my loan at 2 percent interest rate, reduce the amount of money owe, and have an affordable monthly payment. 


I would to request that Shellpoint mortgage to provide me with this information : 1. Proof of Chain of custody of title.

2. Proof of The amount of monies exchange for all of this transferring of ownership transaction. 
3. Proof the account has never been charged off ; where by an internal book entry credit has been applied, bringing the balance to zero ; and then without my consent a creation of a new account, was formulated, where the previous unapplied credit remained outstanding balance after the internal credit application. 
4. Proof that the a claim for mortgage default insurance was submitted as it is customary after the 3 months of mortgage default, and it was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: ZIONS BANCORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been banking with National Bank of Airzona for a few years now, however only this year have I had trouble checking my account balance, balance on credit cards and making payments. When I call in, I am told that they can not vverify who I am and that I can not get any information about my accounts including balances or making payments to loans or credit cards. 

I tried to explain that i am XXXX and that I can not read the security code on the back of my card and they are unwilling to accept the pin code that rhey send over my land line phone even if I get it correct. 

Simply going to the local branch each time to complete a simple balance check on my account or making a payment on a loan is unacceptable. There are no other procedures in place to verify who I am. This is a blatant violation of the Americans With Disabilities Act.

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 2021-09-14
Company: Experian Information Solutions Inc.
State: NM
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: Personal information incorrect

Complaint:
Wrong address and wrong names listed on background check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01
Company: Ditech Financial LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Are holding my funds unlawfully The house sustained pier damage from a boat. Homeowners insurance sent a check for {$25000.00} made out to me & Ditech. 

Related : Ditech - stealing Mailed endorsed check & required documentation on XX/XX/19, have since found that it is noted as being received on XX/XX/19. Was supposed to receive a check made out to me & contractor in within 3 - 4 days. It is now XX/XX/19 ( over 90 days since they received package ) and the claim is still being " processed ''. Meanwhile the contractor, has finished the work 2months ago. acting in good faith. 

Lots of inaccurate information & stonewalling from coming from Di Tech, they will not take my calls now. I wait on hold for over 2 hours to only go on hold again. I have talked to the Insurance Dept. and for the last 2 months they say the check is in the " mail ''. They lie about the date they received the checks ( 12 days after they received my package ) stating they hadn't received anything from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Began disputing these accounts as in violation of the provisions of the FCRA and the FDCPA in XX/XX/2017. 

XXXX XXXX XXXX XXXX ( Settled Account ( s ) ) Bank of America ( Settled Account ( 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 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. By law per the FCRA you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my Transunion credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. The following inquiries are as follows : XXXX XXXX XXXX, XXXX F 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. If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.

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 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
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 requested a credit line increase online, and never once did it say that they would be doing a soft inquiry on my credit report, yet alone a hard inquiry that would stay on my credit report for two years. I requested the increase on SundayXX/XX/XXXX through their website. I tried to call the company on Monday XX/XX/XXXX and they were very dismissive and just said that it was in the credit card disclosures that they would have a hard inquiry pulled, which I am only assuming is buried on their website somewhere, not on the actual page that you request the credit line increase on.

the company is as follows : XXXX XXXX, DE XXXX  ( XXXX ) XXXX I work for XXXX XXXX and it was very clear in our training on credit cards and loans that to adhere do the FCRA, that this needed to be information that was passed along to the customer : that there would be a hard inquiry on their credit report so that their credit information could be obtained to be reviewed. I never saw anything even suggesting that my credit report would be pulled, I thought I was just going to be approved for the credit line increase based on having a good history with the company.

It seems like they were hiding this information on their website and not making it very clear as to how the credit report would have a hard inquiry on it. I would like for the hard inquiry to be removed from my credit report as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/19, I received a call from XXXX which showed as " XXXX XXXX '' on my caller ID. I answered the phone after confirming the number was from Synchrony Bank. The collector asked for me, and I said he was speaking to me, but my attorney needed to be contacted, as I signed Chapter XXXX Bankruptcy papers on XX/XX/19. The collector did not recite the mini Miranda ( which, XXXX XXXX did, even after I let them know to contact my attorney, their collector identified herself, the company, and recited the mini Miranda, as per FDCPA regulations ), did not identify himself, or the company ( so I do not even know which Synchrony Bank card he was calling about ), or ask me any information that would indicate I am who I said I was, other than my name ( most collection companies will ask some sort of identifying question ). I worked for a collection agency and I am very well-versed in FDCPA laws and guidelines. Regardless of quickly the conversation was, the collector is required to identify themselves & recite the mini Miranda.

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 2021-03-06
Company: Colony Brands, Inc.
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: Credit Technology, Inc.
State: CA
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:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT TECHNOLOGY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent in my police report to TransUnion multiple times and informed them that the XXXX account was opened fraudulently. It was previously removed but is jow reporting again. I did not open this account abd it is harming my personal credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
XX/XX/2019 I contacted J P Morgan Chase Credit Card Services Requesting Chase Letters confirming my two credit cards ( Amazon and XXXX accounts ) were closed and charged off. The two Chase credit card Representatives refused my Request of Chase Bank written confirmation letters of Card Closures and charge offs and written balance of each of the two accounts. 

I need these letters for a US Federal court action to prove ill reparable financial harm against me committed by another party. This case is in the XXXX XXXX Circuit Court of Appeals awaiting Appointment of an Attorney for myself. 

I find my legal request of accommodation most disturbing while at the same Chase demands full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
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:
Noticed an account from XXXX that is incorrectly being reported. I contacted the debt collections agency and they stated they do not have an account under my information, as it was returned to the original creditor, XXXX. However this is still reporting incorrectly on my credit report for both XXXX   and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CO
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:
Equifax was hacked and lost personal data, including the names, addresses, and Social Security numbers of about 143 million U.S. customers. Using their provided service at http : //www.equifaxsecurity2017.com/, I checked if I was affected and was informed that I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was closed on XXXX XXXX, 2017. Ive never had a NSF withdrawal and have always had funds direct deposited into my account for years. There is no logical reason other then a computer glitch to have my account closed, but no one at Chase was willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: JPMORGAN CHASE & CO.
State: OK
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:
Booked travel tickets on a Monday thought they were booked. The following Sunday I tried to login thru the airlines no record of them. Called chase they said must have been a computer glitch. Talk to supervisor XXXX was going to added the extra points on since flights have went up.XXXX  asked me to send a pics of what the originally price was. So I went to my browsing history where I thought they were purchased and sent the email to her. XXXX hung up on me after getting all the booking info. Called back to be on hold for a good hour thank XXXX the lady was patience because we got another supervisor name XXXX on the line that hung up before being fully transferred. Waited another 20 mins to get transferred to XXXX who couldn't do anything and told me it was my fault. I ended up talking to a agent in customer service and said they couldn't do anything either even tho is was a computer glitch on there end and that a supervisor gave out bad information. So I ended up canceling both of my credit cards with them. Good luck. If you look at all there reviews not the best credit card to go with anyway. 

The tickets were originally XXXX for two tickets. I had XXXX points was going to use them all and paid the difference of XXXX. 
Now they are XXXX. So I ended up using all my points and then paying the difference of {$370.00} and XXXX Pt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Harris & Harris, Ltd.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never received a letter stating I owed XXXX $ to XXXX XXXX. The total in collections is {$940.00}. I tried calling Harris & Harris and they state they mailed out the medical bills I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief