BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-13
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Discount Tire displays promotional financing on their direct web page through Synchrony Bank. The ad promotes 6,9,12 months interest free. The interest free feature is what compelled me to apply for the account. Being a XXXX XXXX I naturally track my credit which is in excellent condition with top tier XXXX  scores.When the card came in the mail with the legal terms & conditions I was confused that the offer provided to me was just 6 months with an APR of 29.99 %. It took some time to find the contact number for them which I never located on the paperwork they mailed with the card. After locating it on the home page I spoke to a rep. I explained that I had {$2500.00} in merchandise currently on order with my local Discount Tire store. I let them know I had applied for & wanted the 12, not the 6 month no interest offer shown. I also expressed my concern for the high APR & asked if that could be re-negotiated based on my credit profile. Without any clear answers, direction or resolution provided from the call attempt ; I had them cancel the account under concerns that it has questionable predatory pricing with no transparency to it's terms & conditions. The best they could offer was once I start spending on the card they can provide the no intrest term lenght & no comments on the APR it is based off 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 2021-12-01
Company: Nelnet, Inc.
State: GA
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I disputed XXXX XXXX multiple times with XXXX and Experian I do NOT have a written contract with them for any debt collection. I asked multiple times I needed validation of debt with my WRITTEN SIGNATURE of the contract with XXXX they have failed to provide that information. Per LAW I am required to have that type of validation and that has NOT been sent to me. Bills and statement do not constitute a debt validation. XXXX has already removed the information and the other 2 major bureaus have not. They are hindering me from purchasing a home.

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 2019-12-16
Company: GOLDMAN SACHS BANK USA
State: CA
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:
On XX/XX/19, I upgraded my working XXXX XXXX to an XXXX XXXX. I had an existing Apple Card, issued via XXXX, and used that as the form of payment. The card can only be accessed through the 'XXXX ' app on the phone and there is no other website to do so. Since this date, I have spent hours upon hours in attempts to get Apple to respond and correct an issue in which I have no access to this account. I can not verify the purchase made, I have no access to the daily cash back, I can not review and receive credit card statements, and I can not make a payment. In fact, the 'XXXX  ' app indicates Account Services Are Unavailable, Please Try Again Later when I try to do so. I have allowed Apple to install keystroke app on this phone, they have accessed and shared the screen, and they acknowledge there is nothing that I have done to cause this and their solution is to call XXXX and payoff the phone. While it is really not the phone that is an issue but rather the inability to access my account, verify the charges, and make payments but Apple - in their partnership with XXXX - has advertised this Apple Card product as being entirely managed within the XXXX app though a technical issue prevents me from being able to even verify the account. From missed return calls to no response from their Engineering department to XXXX simply transferring me repeatedly back to Apple, I am stuck in the loop of an endless technical difficulty that will soon ruin my credit. They are unable to even provide me with a statement and neither can I even access my credit card number to provide you for this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX XXXX XXXX and I submitted this claim myself and no third party involved. I XXXX XXXX XXXX XXXX, XXXX Person and creditor. I submitted A FTC identity theft report to remove this fraudulent account XXXX They received the FTC and told me it will be off on XXXX. But I checked my credit report. Seven 30 days later and it is still on my report. According the Fair Credit Reporting Act 15 U.S.C 1681 Section 602. A block was suppose to happen within 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 I received a letter from XXXX XXXX dated XX/XX/2018 that they were the new owner of my Mortgage loan as of XX/XX/2018. 

This was news to me considering the fact that I had no contact from Chase bank, so needless to say I thought it might be some type of scam. So I contacted customer service and told them my situation and they confirmed that my mortgage was sold to XXXX. The customer service representative advised that I shouldve received a goodbye letter. She checked the records and advised that I was correct that XXXXhase never sent that letter or any other communication regarding the sale or transfer of my mortgage. I then asked the customer service representative if I could have the documents related to the sale or transfer of my mortgage loan. She put me on hold for two minutes and then advised that I was not allowed to have that information. 

According to the letter XXXX sent to my residence it states that the transfer of ownership has been publicly recorded and that it will be located at the recorders office that maintains the public land records. 

Why would this information be held from me and why would I not be notified of this transfer from the financial institution that I have been with for the last ten years? 

I find it hard to believe that Chase, XXXX XXXX and the Recorders office all knew about the transfer, but the person that pays the loan had no idea until XXXX XXXX  sent them a letter. This maybe a minor problem to a huge financial institution, however my mortgage loan is the biggest part of my financial institution. I feel that this is in very poor taste and if I didnt catch it in time it couldve cost a lot of money in attorney fees. You know if I was late on a payment they wouldve used every means possible to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/XXXX, I received a letter that CFPB that there was a settlement with GreenSky LLC. The letter guidelines said to go to a secured website www.greenskyprogramsettlement.com in order to apply to see if I was eligible for compensation. On XX/XX/XXXX, I received a check of {$24000.00} that was erroneously addressed, my name was incorrect. Since my name was addressed wrong, my bank would not accept the check. The check only had two last names, in wrong order and did not include my first name. I have never paid my account and my account was never set-up with the two last names in the wrong order and I always paid with my first name and last name, not the two last names in wrong order. 

I called on XX/XX/XXXX and I was told to submit an inquiry at XXXX. I also called and spoke with XXXX and she told me to send documents with my correct name and to void the check in order to process a new check. I sent via mail per their request on XX/XX/XXXX and on XX/XX/XXXX I also sent via email. I never received any responses via mail or email. I sent via email multiple times documents that showed my name on payments and their letters that showed my correct name. I continued to call the XXXX to get updates and all the people I spoke with said to wait 3-4 weeks. 

XXXX ( account rep ) told me on XX/XX/XXXX said that Greensky is not authorized so they can't change the name and to call Greensky directly, so I called GreenSky and they also told me that they can't help me. Finally on XX/XX/XXXX per another conversation with XXXX ( another rep ) requested that I write another letter to explain my situation again. My last call was on XX/XX/XXXX and XXXX said that she would investigate on Friday or the following Monday but I never received a call back. I proceeded to send another email on XX/XX/XXXX. Please help me, I have not had a response, my account was never set-up with these two last names in wrong order and without my first name. I still have not received a new check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-13
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has reported a collection amount of {$460.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have carefully reviewed my credit report in Experian. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. 


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 2023-07-08
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had my identity stolen as number, driver'licence, credit cards, I've had accountsbooened in my name. My address has bern ch as the on XXXX server times. XXXX my XXXX children s ss cards been stolen and used. I'm getting notice them being used I DDT idnt use there identity or my own like this I've had 2 checks stolen and cashed from irs taxes s also.Im currently waiting on desicion on my social security afraid there stealing this too. Pleaseeh.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14
Company: Experian Information Solutions Inc.
State: IL
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. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX  XXXX XXXX XXXX and 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 2020-02-11
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I've written several letters to EOS CCA LLC and requested documentation and asking why they are reporting on my credit. they have sent me nothing in the mail but continue to harass me at work and on my cell phone! Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
On XX/XX/2023 I was checking my credit and was making sure I everything was paid on time and was still on the right track. I actually noticed that its some unauthorized hard inquiries that I didnt apply for that are there. Ive sent a letter to all XXXX bureaus and told them that these inquiries are unauthorized, they still havent removed them. I dont know what going on or if the bureaus are working or its technical difficulties. But I would like to get a fair resolution to this issue by deleting these hard inquiries.

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 2023-04-25
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On Saturday XX/XX/XXXX Enhanced Recovery Collections put a collection account on my credit stating that I owe XXXX XXXX {$51.00} from when I lived in XXXX, Fl in XXXX. I called them on yesterday several times and infromed them that I dont have a balance with XXXX and that this is a fraudlent charge they are trying to collect. They informed me that they have bill that states that i owe money, and that is a lie because that is not a real bill from XXXX. and I can prove it. I called XXXX and spoke with their collection dept on yesteday for an hour, they looked in their entire datebase and could not find one account that I had with a charge off balance. the account number the collection agency gave me was my old account number with XXXX. I gave XXXX the account number and there is no balance owed under that account number. I was told to go into a XXXX office which I did and for them to provide me a statement showing that I dont owe anything. They could not print out a statment given that the account was to old. However the manager took a screen shot of my account to show that I dont owe anything to XXXX under that account number. I will attach that print out he gave to me to this complaint. This collection company is knowingly trying to take my money on a fake balance and saying that they are working for XXXX to collect a balance. XXXX has not retained their services because there is nothing due to them from me. I spoke with 5 suprvisors with XXXX on yesterday in Billing, collection and customer service and not one of them shows a charged off account nor the account in question that this collection company is trying to say I owe on. Account # XXXX is the account number they say XXXX shows a balance for. Tell me this, how is it that this collection company can cliam XXXX shows a balance but when I spoke with XXXX they show no balance.This is blatant fraud on thier part. There is no balance due to XXXX for me. They wanted me to call, XXXX 's XXXX dept and sign and affidavit or something. I dont even think XXXX has a fraud dept for this and when I spoke with the real XXXX they said why would you do an affidavit and we are not collecting anything for this account. This collection company is breaking the law and trying to collect on debt that is not REAL!! I want this removed from me credit report and I have filed a dispute as well with the credit bureaus. When I called the collections company back and asked them how could I send them the copy of what XXXX gave me that shows that I dont owe them anything, the gentleman that was on the phone told me to hold on and then he hung up in my face. I called him back and he did the same thing. He did this because he knows that I have figured out what they are up to and trying to pull on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions Inc.
State: VA
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:
Experian has been charging my credit card for years now for XXXX/mo. I discovered this charge occurring 2 months ago. Every time I try to call to cancel this charge ( which is the only way to cancel ), there is a 2-hour wait time. Today I called at XXXX XXXX  and the prompt message said that I would be waiting over 15 minutes which I thought was reasonable, however I am still on hold and it has been over an hour. I am a XXXX   woman who is no longer employed and I am steadfast at getting this charge removed. This is the biggest scam, rip-off I have ever encountered, by a company that appears to be trustworthy. How many MILLIONS of dollars have they robbed from Americans? It is sickening ... all I know is several years back I wanted to get a credit report, to rebuild my credit and paid XXXX for a report. Years later, they have taken hundreds of dollars from me unknowingly and under the guise of being an honest business. I have never received a phone call or email from the company or standard mail for the XXXX/mo charge and what those services are that are provided to me for XXXX/mo ... .another reason it's a scam. I hope a class action law suit is eventually made on this company and I hope one day that I am reimbursed for being robbed by Experian. I'm filing this complaint while still on hold, so far its been an hour and 12 minutes and no response on the other line. Luckily I'm unemployed currently and don't have other obligations other than filing a consumer report while waiting to speak with scam artists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: CITIBANK, N.A.
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:
On XX/XX/21 made online purchase {$41.00}. When products not received disputed charge. Shortly afterwards product received and cancelled the dispute. Citi card adjusted accordingly, however my account was charged twice for {$41.00} as per XXXX statement for {$83.00}. Through numerous telephone calls and written communication I am unable to get anyone to understand this problem. The telephone conversation are dropped or very difficult to understand as the dispute personal are in a remote location based on a island in the XXXX. Inaddition to this problem the credit card company makes payments from my auto pay which are not constant with my original plan. For example my account autopay XX/XX/21 was {$35.00} but my original plan was to pay entire balance. In short I am overcharged {$41.00} by the processing of my statement by Citi Bank and not by the merchant. This is the problem I am having partly due to a foreign language barrier.

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 2023-08-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.

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