BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony Bank, has unfair and abusive terms to it credit ( a ) They took over several of my account over and double charged for interest. 
several of my cards went from 10 and 15 % to now 26 and 29 % They abuse the practice by charging very high interest rates to high-risk borrowers like me so that I wold likely to default on the loan.

( b ) they change the terms and condition of the loan ( XXXX  ), we had been sending money to an inmate, now they want to charge fees, Date of Transaction XX/XX/2020 XXXX XXXX Sent Amount {$30.00} they stated they charged {$5.00} but we have used the same care just several months ago - and was not charged, they change their terms when every they fill like it -hides or misrepresents the true costs, risks and/or appropriateness of a credit card terms, or changes the credit terms after the initial offer. I used pay pal and made and made and ordered. This company refuses to release the order or payment. XX/XX/XXXX, I ordered items and it was cancel by Paypal. But the amount is still be held up - THEY refused to release the funds after the order was cancel and it still a pending charge on the account.Thanks for your order at XXXX XXXX. Money won't leave your account until XXXX 's processes your order. 
( B ) Thanks for using PayPal. To see the full transaction details, log in to your PayPal account. Keep in mind, it may take a few moments for this transaction to appear.ORDER WAS CANCEL - as of today, it is still pending on the Master Card account. 
( C ) The Bank encourages me to borrower and to refinance an existing loan into a larger one with a higher interest rate and additional fees. 
( D ) XXXX stated that he and Everyone in the neighborhood is charged higher rates to borrow money, regardless of credit history, income or ability to repay ( tape recorded ) This Bank has adds language to my credit card contract making it illegal for a credit card holder to take future legal action for fraud or misrepresentation. The only option, t is arbitration, which generally puts the borrower at a disadvantage or for them to close your account as XXXX stated in a loud voice on XX/XX/2020Call Notify from.. 

This Bank is a Predatory credit card holder that imposes unfair or abusive loan terms on the credit card holder. It is also any practice that convinces a XXXX XXXX holder to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for encouraging me to transfer other account to the card for pay off. Then up the rates.

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 2022-03-14
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage holder is Truist and my bank is XXXX XXXX. I make payments to my mortgage via XXXX XXXX, and I make them monthly and on time. 

My payment for our XXXX mortgage was made by XXXX XXXX at XXXX XXXX on XX/XX/21. This is fully documented in my account records and statements. 

My mortgage holder, Truist, states that they did not receive the payment. They, however, received the prior payment and the following payment, no problem. These payments were sent to them the identical way. 

This means that whatever problem occurred happened between when XXXX XXXX made the payment to Truist on XX/XX/21, and XXXX Truist received the payment and/or misapplied it. 

This means that there was no error on my end in the transaction ; however, since this occurred, both XXXX XXXX and Truist are trying to avoid taking responsibility for the error in payment application. 

I have made six calls to date, to both XXXX XXXX and Truist, in an attempt to rectify the matter. I have sent a letter to Truist letting them know that there was an open investigation with XXXX XXXX, and that if XXXX XXXX contacted them, I would appreciate their cooperation. I have had both XXXX XXXX and Truist on the line on a conference call, and the call ended with both parties accusing the other of the missed payment. It was incredible. I have the dates and names of the parties on that call. 

I will attempt to resolve the matter with one additional conference call. After that, and the filing of this formal complaint, I feel I'll have no further recourse to protect my interests than to retain legal counsel and sue Truist for negligence. 


Because of this, my credit score has been inoridinately affected and I've been sent a notice of default on my mortgage.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2022-02-09
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX is a debt collector pursuant to 15 usc 1692a ( 6 ) and has violated my right to privacy by committing identity theft. Term identity theft means a fraud committee used the identifying information of another person, subject to search for the definition as the bureau may prescribe, by regulationXXXX XXXX XXXX has never received written instructions for me authorizing the furnishing of any information to third parties in violation of 15 USC 1681B, permissible purposes of consumer reports in general subject to subsection see any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the written instructions of the consumer to whom it relates.This company has violated many of my rights and I will be pursing further into this and will be hiring and FDCPA advocate to move on and start a claim in court. this company has violated many rights which is {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan of {$1100.00} from XXXX XXXX also known as XXXX  XXXX in XX/XX/2018. I made a payment in XX/XX/2018. Once that payment was made I realized the portion of it that went towards the principal was barely non existent and most of the payments would be towards the interest. After further reviewing the contract I realized this loan was unlawful due to the interest rate being charged. They are violating usury laws in the state of SC as far as the interest rate being charged to customers. The legal rate of interest max is 8.75 %. There are usury penalty laws that apply to XXXX XXXX in regards to this loan and I'm sure many others. I am not trying to get out of paying back the amount borrowed but will not and am not going to be liable for paying the unlawful amount of interest they charge.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with the defamation of my consumer credit report and the cruel abuse of my reputation. Credit Control Corporation has violated my privacy and has continuously done so sense XXXX/2018. This has taken a major effect on me and my family because I could not extend myself credit pursuant to my open ended consumer credit plan. This alleged debt is not owed by me and is in fact medical information that should be excluded from a consumer credit report 15 USC 1681a ( 3 ) ( A ). This advertisement of a sale of debt is fact coercing payment of debt 15 USC 1692d ( 4 ). Which leads into the violation of 15 USC 1692e ( 10 ) - Deceptive means to collect or attempt to collect a debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is my second complaint about this matter ; NOT A DUPLICATE! I was denied my own credit from JP MORGAN CHASE BANK for the CHASE FREEDOM card on XX/XX/XXXX. This is a violation of 15 USC 1691 ( a ) ( 3 ) of the Equal Credit Opportunity Act under 15 USC Chapter 41. The Equal Credit Opportunity Act was put in place by the federal government to stop creditors from discrimination in a determination of credit-worthiness. Denying me my OWN credit is discrimination and unlawful. I filed my first CFPB complaint on XX/XX/XXXX ( case # XXXX ). I was contacted by XXXX XXXX ( ext. XXXX XXXX XXXX ), of the executive office, the very next day kindly saying he was going to look into the matter and get back to me. I never heard back from him. I received a response to the first CFPB complaint on XX/XX/XXXX informing me that JP MORGAN CHASE BANK denied me AGAIN. I tried calling XXXX XXXX back since he kindly left me his direct line. I have called multiple times, leaving multiple messages and he has not returned any of my calls. ( I am still open to have a conversation with him. ) In all, there is NO reason pursuant to federal law that gives them permissible purpose to deny me my OWN credit. These denials have caused my life mental and emotional stress. JP MORGAN CHASE BANK has violated my federally protected rights under 15 USC Chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and Capital One and XXXX XXXX. The Account Opened is Capital One Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I did a totally legal sale of a home in XXXX XXXX, Virginia. I took a cashiers check to pay off my mortgage with XXXX XXXX XXXX XXXX in XXXX, VA for XXXX dollars. They in turn gave me a check for XXXX in return for the overpayment. This was a Certified Cashiers Check. I deposited the check at an ATM for Truist bank in XXXX XXXX, NC. Then some overzealous Fraud Investigator at Truist Bank locked up my ac count for 7 days pending investigation. I have banked with Truist ( BB & T ) for 28 years. I am a XXXX XXXX XXXX XXXX and a former XXXX XXXX XXXXXXXX XXXX. I have spoken numerous times to the fraud department and then went to the Local Truist bank Manager and She has been trying to help. In the mean time my account has been locked for 3 days and I have automatic debits bouncing and am worried that my excellant credit rating will be ruined. I need help.

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 2022-03-14
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:
I have reviewed my credit and noticed that there are account ( XXXX ) on my credit report that was not me. These seem to be fraudulent and will need to be removed from my credit. The following accounts are : XXXX XXXX XXXX {$2300.00}, XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX XXXX {$540.00}, and XXXX XXXX XXXX {$9000.00}. 

Please see attached FTC Report and Clear Identification as what I was instructed to do from FTC in reference to these fraudulent account and I do not assume responsibility for any accounts listed

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number:XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-03-08
Company: DISCOVER BANK
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Discover Financial services calls me twice a day EVERY SINGLE DAY for months and months. They overflow my voice-mail they change their number so I will answer a non blocked number. The debt they are calling for is not even mine! They harass me daily asking for my son. Who is a grown man and lives elsewhere. I'm beyond exhausted from repeating that to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: Block, Inc.
State: SC
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I noticed several unauthorized transactions made on my cashapp account on XX/XX/XXXX XX/XX/XXXX. I contacted cashapp about this situation on XX/XX/XXXX as soon as I noticed unauthorized transactions were made on my account. Cashapp responded to me today stating that no error occurred with the transactions that were made. I never used my card with the merchants where the unauthorized transactions were made. I reported the unauthorized transactions as soon as I noticed them. XXXX {$160.00} XX/XX/XXXX at XXXX XXXX- {$290.00} XX/XX/XXXX at XXXX XXXX- {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$170.00} XX/XX/XXXX at XXXX XXXX XXXX {$110.00} XX/XX/XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay.

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 2018-12-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello, I have 2 Complaints regarding the problems that i'm recently facing with the 2 reputed credit bureau 's XXXX and Experian but this specific complaint is directed towards Experian.

I was planning to buy a car recently and finance it through a bank/ credit union so i reached out to the respective financial institutions to apply for a auto loan and they did a hard inquiry on my credit report through Experian but they were not able to see anything ( this happened twice with 2 different credit unions ) but when i tried to check my Experian credit score on XXXX and XXXX i was able to see the credit scores from 2 bureaus ( Experian and XXXX ) perfectly fine so i tried to reach out to Experian customer support almost 30 times from the past 10 days so check why i was able to see my credit report while others were not able to, and there was no clear response from their side and all the representatives who spoke to me said that they were able to access my credit report but when i asked them why other people were not able to access anything when they ran a hard inquiry on me they were not able to answer anything So i humbly request you to help me with this situation because i won't have a good future in this country if no one gives me a loan just because of this reporting problem with a credit bureau so i request you to assist me in solving this problem as soon as possible.

I have one more doubt apart from this, the name on my Social Security Card ( XXXX XXXX XXXX XXXX ) is different from the name on my Credit Card ( XXXX XXXX ) which i generally use so i'm suspecting if the difference in name would cause some problem, please give me further insights in this issue as well.

Will be waiting for your Response.

Thank you, 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 2023-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have paid for a one year of XXXX tv service with XXXX on XX/XX/2022 and I paid XXXX dollars but since XXXX and I do NOT HAVE THE SERVICE FROM XXXX BECAUSE THEY HAVE INTERNAL ISSUES. I paid for a tv service that I did NOT receive and I am not getting the service since last XXXX and I can not reach XXXX  customer service because again they state that they are having issues and they refuse to refund me my money when I chat with them and I did all the troubleshooting they have on their website. But again I paid for a service that I am NOT getting at all. Its XXXX and the charge is XXXX on XX/XX/2022 on my capital one visa card. I called capital one Visa card to dispute the charge but they refused to help me because its from last XXXX but I paid for a service that I am NOT getting so I want a full refund of my money. I want my money back. Capital one needs to submit the dispute for me and refund me XXXX dollars and charge back XXXX XXXX I am attaching pictures of the charges and a picture of the service not working. Capital one Visa card needs to resolve this issue to my favor and refund me my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
State: NC
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:
Last year i was noticed a company call XXXX XXXX XXXX XXXX was on my credit report. I wrote a letter of validation of debt and was sent Certified mail on XX/XX/XXXX and was delivered at XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX Delivered, Front Desk. I will attach letter below. 30 days later the information was taking off on credit report then put back on my credit report on Equifax. I sent proof to Equifax via mail and fax but still has not been taking of my credit report it is now XX/XX/XXXX. XXXX XXXX XXXX XXXX has not provided me with original contract and security agreement and according to Fair Debt Collection Practices Act. Equifax have not done anything to resolve this simple task because i have done all the work for them. They have cause emotional stress and time lost when i have been trying to send them the documents for them to take the items off my credit report. I again faxed information to Equifax XX/XX/XXXX we will see if they do not receive the documents again!

Company response to consumer: Closed with explanation