BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Today XXXX/XXXX/XXXX, I went online to make a store credit card payment to Walmart. On my paper bill it said go to Walmart.com/credit. I went to the website and it was very difficult to find the link to make a payment. There was a huge advertisement to get a credit card. The link to make a payment was found located very discretely at the bottom of the page. It was difficult to get to the bottom of the page due to the fact the advertisement to apply for a credit card was so huge, as soon as you click the area in error it brings you to a page to apply for a credit card. After registering, I was able to make a payment. I chose the option to pay with a debit card. After giving my debit card information and clicking submit, it did not confirm my payment was made. It did not give a reference number or any expectations. I go back to research and it does not reflect my payment was made. It will allow you to make another payment despite the fact that you just made a payment. I checked my bank account and the amount was taken from my account. I contacted online customer service and explained what happened. The respond that it will take XXXX hours to reflect a payment was made. My concern is that this website was very misleading and should reflect and confirm when your payment has been made. There was no disclosure of what to expect after making my payment. I want to mention I did contact my bank and customer service first before trying to submit another payment, my concern is for those who would have not thought to do that. The website comes off as secretly taking advantage of consumers.

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 2017-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 been a Bank of America credit card customer since the late XX/XX/XXXX. Until recently their service has been excellent, but this XX/XX/XXXX I had my credit card compromised. I was issued a new card by B of A and I destroyed my old one. But evidently, B of A did not close down the old card number, rather they left it active and fraudulent charges made on it rolled over to my new card. Now, this month, THREE MONTHS after the old card was supposedly deactivated by B of A, I have fourteen fraudulent charges show up on my statement from the old card number. After multiple phone calls to the B of A fraud line, I think I have it resolved but it took me five days, with a phone call and long waits on hold each day. I was given three incorrect numbers for the fraud dept. before finally getting the correct number. Even with that, I usually end up with a customer service person when I call it, rather than the fraud dept. and so get transferred and have to wait again and again. I have talked to no less than a dozen people while trying to remove the fraudulent charges. If this is happening to others, I wonder if B of A is scamming the cash flow by leaving charges on statements, then dragging their feet when resolving them for their customers. Or are they just extremely incompetent now? Either way, I am considering closing my account and getting a card through another bank. Very inconvenient and stressful, a big waste of time for me, the 'valued customer '.

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 2019-05-25
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19 I received a credit alert stating that Diversified Consultants have placed an account for collection on my credit report. According to Diversified Consultants, the assignment date was XX/XX/19 however I have not received any communication/dunning notices in regards to this debt in order to verify the debt is accurate and mine. This account has been paid to the original creditor of XXXX and therefore Diversified Consultants have no authority to collect on this debt. After speaking with agent at Diversified ( who was very rude ) and letting her know that the account was paid she stated Diversified will not remove collection and only update it as paidwhich would be false since I have not paid one cent to Diversified so it would be false and inaccurate reporting on my credit file. XXXX has stated that Diversified has to remove the collection account since they terminated their collection authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX  XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.-Account # 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 non-monetary relief
Consumer complaint received 2022-10-13
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2020-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX ( Mailing Address ) XXXX XX/XX/XXXX Bank of America Re : Reconsideration of Secured Credit Card Good Day, Ive been a customer with Bank of America since XX/XX/XXXX. 

I would like for youll to reconsider my application for a Secured Credit Card I applied for on XX/XX/XXXX and Declined on XX/XX/XXXX. The reason for my decline is not accurate as was noted on the decline letter. 

On XX/XX/XXXX I pulled my credit report from all three credit reporting agencies and it shows I do not have an open Bankruptcy and there are no claims open. Both of the cases listed on public record were dismissed in XXXX and XXXX. 

Also, its not accurate that I was attempting to file for Bankruptcy. Im not sure where this information was obtained but it was not from my credit report. Please provide me with detailed information on where this information was obtained. 

Im attaching a copy of my credit report from XXXX that was pulled from all three CRA Im attaching a copy of BOTH ORDERS from Bankruptcy court that both cases were closed 4-5 years ago Again, please reconsider my request for a Secure Credit Card with Bank of America. 
Thank you, 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 2021-09-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to MBA LAW in regards to a collection account I noticed theyre reporting on my credit report. Validation is now requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have got a horrible run around from PHH mortgage, they have taken XXXX dollars from me in modifications but when it comes to the final modification documents they deny it every time. 

The house is scheduled for foreclosure on XXXX and I have been nothing but scammed by this company. 

I need to do whatever I can or get whatever help I need to stop this. 







PHH Mortgage Services XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX and I would like my situation investigated please. I have disputed a very old account over and over again that is appearing on my XXXX and Experian credit reports. Its been over 7 years that this XXXX account # XXXX ... has been inactive and paid and it is still showing false and incorrect information against me and its been ruining my score for so long now. I have contacted the bureaus individually and was not given any investigative results and also I 've contacted the company directly as well and was not given any forms of papers or validation to show me how and why this account is still appearing on my reports. <P/>I have repeatedly asked this account to be removed as it is defiling my credit report because violating FCRA law section 605. ( 15 U.S.C. SEC 1681c ) part ( a ) number ( 4 ) : it states " accounts placed for collection or charged to profit and loss which antedate the reports by more than seven years ''. <P/>XXXX 's does not even posses any paperwork with properly dated material that shows precisely when the last amount was paid and sent straight to profit and loss. This was in the very beginning of 2010 and both accounts have been re-aged, are inaccurate and make no sense compared to eachother. They both contain dates off by years and XXXX has been completely ignoring any of these discrepancies which I have been stating. There is no proof of dates or reasons and nothing was provided to me initially when I requested a proper investigation from XXXX, Experian and XXXX XXXX. Therefore this is outrageous and illegally reporting against 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 explanation
Consumer complaint received 2019-10-16
Company: ALLY FINANCIAL INC.
State: MI
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:
XXXX XX/XX/XXXX never applied for credit I dont understand why this creditor is on my credit report. 
XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 2018-01-02
Company: General Motors Financial Company, Inc.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I leased a new XXXX XXXX from General Motors Financial Company , Inc. ( " GM Financial '' ), and they are continuing to deduct lease payments from my bank account even though, due to an accident, my car was declared a total loss and the lease was terminated. 

I leased my XXXX XXXX from GM Financial in XXXX. On XXXX XXXX, XXXX, I was in an accident. We notified our auto insurance carrier and our XXXX dealership of the accident that day, and GM Financial early the following week. My insurance company inspected the car on XXXX XXXX, XXXX, and declared it a total loss the same day. That same day, XXXX XXXX, XXXX, my wife again spoke with GM Financial. GM Financial knew about the accident, had spoken with my auto insurance company, and already were in the process of working with their gap insurance company to cover any portion of the resulting loss that would not be covered by my insurance carrier. 

Also on XXXX XXXX, XXXX, during that same phone call, GM Financial told my wife that we were responsible for the lease payment for XXXX XXXX because our auto insurance company declared a total loss after that payment already had been scheduled with my bank ( which we said was fine ). We were told there would be no additional lease payments. 

On XXXX XXXX, XXXX, GM Financial - without authorization - deducted another lease payment from my bank account. I attempted to contact GM Financial by phone on XXXX XXXX, XXXX to resolve this issue. They have a recording saying that due to a system upgrade it is impossible to speak with a customer service representative until XXXX XXXX, XXXX. I was unable to speak with a person or access my account electronically. On XXXX XXXX, XXXX, I also sent GM Financial private XXXX messages - their suggested message for contacting them until XXXX XXXX, XXXX - including a description of the problem, my name, my address, the date of the unauthorized payment, the exact amount of the unauthorized payment, and the last four digits of my social security number. On Monday, XXXX XXXX, XXXX, I received a response telling me that " we are unable to review your account. '' GM Financial has yet to resolve the situation or even contact me to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I sold ( in trading ) my litecoin. XXXX is the transaction number. It shows as " completed '' " done '' and yet the money does not show up for more trading in My USD account or anywhere for that matter. Therefore I have not been able to buy or sell anymore with those funds. It was not a large amount because I was being careful and not to trust right off the bat and I 'm glad so far I have n't. I understand " slow '' but it is stated that these trades are instantaneously done. If they are gon na steal peoples money,, I want to be one to speak out to same others from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
There are 2 CHASE CREDIT CARDS IN MY NAME. Chase fraud department has informed me they believe there is fraud on both accounts. 
As long as Chase believes fraud charges are on each account, I am reminding Chase can not report any balance they have questions about to the credit reporting agencies. I would ask Chase to first identify which charges they believe are fraud or suspicious and deduct those amounts from the balance before reporting to the credit bureaus. Otherwise Chase would be recklessly reporting inaccurate information or Information they have not thoroughly researched and investigated to the credit bureaus and purposely or recklessly harming me. 
Also, as a result of the suspicions of Fraud it is vitally important I have an accurate record of all dialogue, Therefore I am demanding a CEASE and DESIST of all phone calls. Chase Fraud department has been calling me every single day and harassing me. My lawyer stressed to me the importance of having all dialogue in writing, Chase has 3 options to reach me. 1. By email, 2. By USPS 3. By XXXX XXXX I will not accept any phone calls for any reason from any Chase department. Now that we have a recorded my request to Cease all Phone calls I am imploring Chase to behave appropriately.
Due to my age of XXXX, I do have a hearing problem and it is embarrassing for me to continually ask a caller to repeat themselves, This all stresses me. Also, many times I do mis hear what is said and provide the wrong answer. This could have a detrimental affect of the current situation. SO again please NO PHONE CALLS from Chase bank or from Chase Fraud department or any other department. If Chase has nothing to hide then writing it down will only help. If Chase says they can not discuss something in writing they are lying as they have been doing,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: Ark-La-Tex Financial Services, LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/21, I applied on a application for mortgage loan. I did not qualify according to the lenders standards. the lender violated the fair credit report act and other application laws and regulations by giving our real estate agent credit information that they were not required by local and federal law to have. This caused us to lose the home we put an offer on and damaged our relationship with the local real estate agent. 

The loan officer was XXXX XXXX XXXX with Benchmark Mortgage. NMLS # XXXX. 

Numerous phone calls and text message were exchanged back and forth regarding the transaction. 

It is un professional for a lender to share specific information to a real estate agent that can cause harm or change their ( the agents ) mind in providing a service for their client.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called care credit to check amount balance, at this time i was unable to to obtain information due to my date of birth being incorrect in their system as well as my address. I was unable to verify the security that was asked. Fast forward the bill was then forward to a collection agency I contacted the collection and made a payment arrangement as well as provided my correct address and date of birth. Care Credit was previosuly removed from credit report and now care credit has reappeared on my credit report. I have attempted to dispute this with care credit XXXX i spoke to a XXXX who inform me it would take 30 days from payment to remove ( which was in XX/XX/XXXX ) then she told me i need to dispute with the credit Bureau XXXX I have currently trying to get this updated now and it is still not working.

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 2021-03-10
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a fraudulent account on my credit report that I have never heard of.

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 2019-10-16
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Originally this issue was my mistake. I submitted my payment in full to Barclay through a bill pay system. However, I accidentally sent it to an old credit card account instead of the proper XXXX account. I have been calling this bank sine XX/XX/XXXX to get the monies moved to the correct account. Representatives have told me it will be finalized on XX/XX/XXXX and XX/XX/XXXX both of those dates have been missed. I get zero communication from them as to why and have to wait through long phone calls on hold to get anyone that knows even that this problem exists. I would like to just get the money that has been taken from my bank account applied to the correct account and the interest and late fee charges reversed.

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 2017-07-14
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Over the last several years I have received constant phone calls about my student loan payments, when they were due, late, behind, etc, even harassing calls. I have been told different balances owed or different dates which were contradicting. I have also been denied types of deferment and/or postponments. I finally ended up not answering the calls that came in from XXXX XXXX or Navient. That is the only option I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Opportunity Financial, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I emailed company on XX/XX/19 and then I also called and rescinded the wage assignment. I sent an email to the CEO office and also spoke to several representatives to try to reach a settlement for the principle amount of the loan. The amount when I asked for the settlement was XXXX. This would have had the company write off about 200 in interest only. There was a lost of income in my household. So to prevent a long term impact to my credit and finances, I asked to settle the account. I was informed that I had to be at least 61 days behind and that if I made a minimum payment of XXXX that I would stay in a positive balance. This did not make sense as this would also keep the account in a current status. This would also cause more interest to accrue over time. I wanted to settle the account, close the account and avoid negative impact on my credit, and more fees. 

The company refused to work with stating the contract was enforceable. This would benefit the company to continue to accrue more interest and fees over a period of time and impact the consumer in a negative light.

Company response to consumer: Closed with explanation