BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to get this resolved for some time now. I did file a previous compliant and what XXXX sent back contradicts information I have and have attached. 

They indicated the account was sent to an outside collection agency which supposedly was paid and then they received the money. Their correspondence stated the account was charged off XX/XX/XXXX and was sent to an outside collection agency for {$2800.00} which brought the account to XXXX. It indicates the account was paid in full on XX/XX/XXXX after they received the payment from the collection agency for {$2800.00} which brought the account to XXXX. 

1st I paid it directly to XXXX please see the attached email from XXXX XXXX. It was paid to them XX/XX/XXXX 2nd If the had charged off the account in XX/XX/XXXX and sent it to a collection agency then it would have been the collection agency 's account and they would have been reporting the account 3rd I  asked for a payment history not a typed letter from the company that they can put whatever dates they feel are accurate without proof. 

4th They put a link to get a copy of a generic agreement that does n't have my signature on it. There were 2 types of contacts and without providing the copy that I signed this would indicate they do n't have record of it.

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 2016-03-04
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
They are calling my home phone and my cell phone at all hours. I blocked them on my cell phone so they 've switched to Unknown Caller status there. I 'm recovering from XXXX XXXX and I care for my XXXX year old mother. I do n't need this harassment. My account with this bank is up to date yet they continue to call. It is Synchrony Bank..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
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/XXXX I purchased from XXXX a laser with the ability to actually burn items. When I received the item, the item was not capable as advertised on their website. Turns out it was fraud and false advertising with multiple complaints online from people duped into believing the device was capable of actually acting like a torch. I submitted my dispute with USAA along with evidence ; according to their research which they will not share with me, they determined the charge was valid. I see no evidence that any sort of investigation was performed. I was told to submit a letter explaining why as an attachment but I already submitted my dispute within the text field when I originally filed my dispute. 

When I spoke with the MSR on XX/XX/XXXX ; she told me she did not have access to see the original text from my dispute and only the attachments thus creating more work when I already explained why I was disputing it. 

She recommended me sending a letter to dispute it again via mail. Not sure why I would want to do that when I already did it online. Submitting it via mail would only add to further expenses on me for already being defrauded by this company. 

I also submitted a complaint directly to the company Complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: EQUIFAX, INC.
State: LA
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 send a letter to a credit bureaus 3 or 4 times requesting they removed items from my report yet they havent respond to any of my letters

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: SYNCHRONY FINANCIAL
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Credit limit changed

Complaint:
After granting my Lowes consumer credit card a limit of XXXX, I began repairs on a home that im remodeling. My intentions were to pay for labor with cash, and materials and supplies through my Lowes card. After purchasing approximately XXXX in supplies and materials, my credit limit was cut to barely over the balance owed. I have had my card for several years and was never late. <P/>I contacted Synchrony bank and without any reason was told there was nothing I could do, and this immediately caused the work to stop on the home i was remodeling and intending to sell. <P/>A couple weeks later my amazon limit was slashed from XXXX to XXXX, and today my wal mart card cut from XXXX to XXXX. <P/>Synchrony has tanked my credit score by maxing out my utilization so i cant even get a loan to finish the project. Not only is this bad business on the companies part but should be illegal.

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 2022-02-02
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
This is about a previous complaint to the bureau. I was told that I would have to refile, because the AMEX, went back on their resolution promise. That complaint number, is XXXX. This was about a dispute, that was mishandled by AMEX. After telling you, that they had resolved this, they AMEX undid what they did. They took back, Most of the credit given. They gave the merchant, numerous and too many chances, to defend this. As previously stated in the prior complaint, AMEX had to resolve this in 20 days, not 30, because in this case, they are the bank, and the card issuer. After many extensions, disregarding my rights, and not crediting this account, I filed the previous complaint. They credited {$1500.00}. They charged back the {$1500.00}, and issued a credit of {$260.00}. This is a difference, of {$1300.00}. This is not right. They are stating that because the merchant finally responded, with some sort of excuse. The merchant was out of time, and AMEX knew this, but they went ahead and dis-regarded the credit laws, and my rights. Therefore, since AMEX has done this, I want for you to order them to first stand by what they promised you, that they did, meaning credit the full amount, and because they have blatantly disregarded what is right and fair, I want {$10000.00} in monetary compensation paid to me, in addition to the proper crediting of this account. Our ( mine and the primary cardholder ) credit scores, haven been negatively affected by their actions, because the account is over the credit line. I even reached out to the CEO of this company, and he had a corporate associate reach out to me, and all she did was argue the point. She was rude, and argumentative. I have checked and this company has thousands of complaints filed against them, on numerous government websites. It is a disgrace.. Something must be done about them. I am asking for you, the government, to insist on what is right and fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Navient Solutions, LLC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has called my father in NJ, my cell phone number, and now my wife on our home phone looking to collect on some other person 's debt. I have filed XXXX, AG and FTC complaints and a previous one here telling them to stop, yet it continues. I have been told it would stop, yet it continues. When they stopped calling my cell phone, they now called the home phone. This is the end of this. This XXXX XXXX  company needs to be put out of the public 's misery NOW and for good

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: I.C. System, 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 attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.

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 2022-02-15
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Account Statements conflict with my records. My records show details which of a total of XXXX payments made during the XXXX months from XX/XX/XXXX thru XX/XX/XXXX. The XX/XX/XXXX payment also was not credited to the account according to Selene Finance LP records. The following payments have been tendered and are not reflected in the ** Account History**. Payments started in XXXX XXXX XXXX days in advance for the XXXX XXXX. Followed by a second payment in XXXX. This was done to preemptively address the systemic processing delays, account errors, and failure to provide timely account statements by Selene Finance LP and the predecessor XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This account has been long since paid off. I filed a dispute with XXXX XXXX and it cleard off my report but it still shows on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30
Company: Experian Information Solutions 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:
XXXX use my identity and share my information with another person and there is 16 unauthorize hard inquiries on my credit report.My credit scores is around 500. 

Also XXXX and Experian has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XXXX XXXX it was discharged on XXXX XXXX by Federal Judge.

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 2021-06-26
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My XXXX got repod in XX/XX/XXXX and it has been charged off in XX/XX/XXXX. I received a letter from a debt agency asking for the full amount of the loan, even after I paid on the loan for almost 3 years. The car is valued at only {$4000.00} now. {$9000.00} has been written off, but the collection agency wants me to pay {$13000.00}. I was wondering how can I fight this? I received the letter today but the letter itself is dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: SLM CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My credit report indicates a hard inquiry from XXXX XXXX on XX/XX/2017 and XX/XX/2017. At that time I was applying for financial aid via ( XXXX ) not a student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2019-06-12
Company: Contemporary Information Corp
State: AZ
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 requested my free annual credit report from CIC - Contemporary Information Corporation. I received 2 postage due envelopes from this company. 1 ) Why should I be paying for my free report via postage due when they make money off harvesting and selling my data? They should apply proper postage and not use these stall techniques to discourage consumers. 2 ) one envelope contained my report. The second envelope that was addressed to me at my home address contained the reports of another individual who I do not know and lives in another state.And they wanted me to pay postage on his information too? Their quality control and protection of his and my private information was not secure. I called the company to tell them of this problem. They didnt say much. I had to run the phone call. They didnt seem to care or have any interest in the situation of sharing someone else 's information with me or my complaint that they sent postage due. I offered them the report number of the unknown person and my report number. CIC told me to send the report back to them. 3 ) Why would I need to pay to send it back to protect this man 's private data. I have the recording of the call into them to prove they offered no solutions other than me paying to send it back. This is totally unacceptable. I am going to attach the 2 envelopes sent to me, postage due and the 2 cover sheets of the reports. I refuse to upload the other consumers private data beyond the front page for his identification, follow up as wel as verifiable proof of this horrific error that occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
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:
Santander Consumer USA reported a 30-day late payment on my credit report for XX/XX/2020. I signed an Extension Agreement for XX/XX/2020 & XX/XX/2020. This late mark must be removed. 

My dispute with the credit bureaus resulted in Santander successfully deleting the late payment from my report. That's the only late mark. However, Santander took the time to add it back. 

I pay higher than the minimum. My payment history is PERFECT.  Seems as if Santander doesn't care we are in a global pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Synovus Bank
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XXXX I withdraw XXXX from Synovus bank at the drive through. I went a branch to close out my account after i left the drive through. I received my monies that were in my account in cash when I closed on that day XXXX. The teller at the drive through called me surprisingly since it was after XXXX and asked had I closed my account. I told her that as we had discussed that I was closing it out. She signed, and I received an incoming call I put her on hold. She called me several times afterward. I decided since it was after hours, and I was on the phone, and just had picked up my kids, I would just go in first thing on XXXX. 
The next day XXXX I went to close out my savings account that was attached to the the checking account. I received a call from the branch early that morning, when I went in to talk nothing wasn't mentioned about my account being overdrawn. 
The manager called from XXXX XXXX XXXX XXXX and left a me an threatening message stating that she was going to put a warrant out for my arrest for fraudulent. I immediately called her back, since I was threatened and scared, and confused as to why she left such a message. 
When I got on the phone she immediately begin to accuse, and yell, and interrogate me to being a thief, and a fraud. I was so embarrassed and hurt since this never happened. She again stated if I didn't bring the money down she was going to call the police on me. The best thing she said was that the phone call was being recorded, I was relieved. She continued to disrespect, and try to make me say I was a fraud. I told her I no longer wanted to speak with her, and would like to speak to her boss. She pretended to call, but then got back on insisting to talk with me, and make me say I was fraud.WHen I finally spoke to her boss, he apologized and stated that she wasn't suppose to say what she said about jail to me, without his consent. He also promised to get to the bottom of her behavior, and the situation. 
He called later and stated how he got on to her for talking to me like she did, but stated that, " What she should have told you was that your account was overdrawn ''. 
So I begin to tell him how I went to close out my account, and they never stated that I was overdrawn. So now I was being accused of my account being fraudulent, and overdrawn. In that conversation, ( he called me from his personal number ) I asked him why would someone let me overdraw money that I didn't have. He confessed that it was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Equifax Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX To whom it may concern, I wanted to reach out regarding the following violations posted to my credit report 15 USC 1681 a ( 2 ) ( B ) Exclusion from a consumer report 15 USC 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing of medical information 15 U.S. Code 1681b - Permissible purposes of consumer reports I am doing my due diligence to restore my credit after one of the most toughest times in world history. As a consumer these are a violation of my rights. I am demanding that the following account be removed immediately. Account Info Account number XXXX Collection opened XX/XX/2021 XXXX  XXXX XXXX XXXX XXXX Amount {$430.00} XXXX  XXXX XXXX XXXX XXXX Amount {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: MA
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:
Equifax continue to use stall tactic with my dispute. Equifax continue to request for identity information I have provided multiple times. I have provided multiple supporting proof documentations showing payment made and received on time to XXXX XXXX XXXX. 

Attached please find again proof of identity and supporting documentation clearly showing payment made and received on on time. I am also attaching a copy of letter directly from XXXX XXXX XXXX clearly stating that my XXXX XXXX was received on time. Please see highlighted section.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: ZWICKER & ASSOCIATES
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am getting repeated calls on my cell phone from this company, often times multiple times per day. The calls began onXX/XX/XXXX and have not ceased. They leave no voicemail or ever ask me to call back. They have now begun harassing a landline number that where I used to reside but no longer do. They have engaged in notifying the people at this landline the reason for their call and the amount of debt they are attempting to recover. They began calling the landline as of XX/XX/XXXX and even when being told that the person they are looking for does not reside at this location, they continue to call on a daily basis. As of XX/XX/XXXX, they have now proceeded to harass my father on his cell phone and have called him two times. They have proceeded to notify my father of the reason for the call and the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: ALLY FINANCIAL INC.
State: IA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Vehicle was totaled out XX/XX/XXXX. Ally financial received all but about {$3000.00}. We had gap insurance and had followed up with the Ally several times as the credit reporting still reflected a balance owed. After calling the company several times in a 6 month period I was told that we had some payments deferred due to a death in the family so the gap insurance would not pay. I did not get this information from them until the end of XX/XX/XXXX. Ally told me at that time that XXXX, XXXX and XXXX payments were delinquent. Interesting that they didnt charge any payments from XX/XX/XXXX until XX/XX/XXXX. It is extremely hard to get anyone in that organization not help you. I am concerned that there was no disclosure provided that advised that the gap insurance would not cover at the time we had the payments deferred. Now I owe a balance of {$2400.00} to pay off the loan and they hit my credit report with 90 day late payments. Their customer service agents are no help and we are unable to make online payments as the account cant be found. I advised them that we had to replace the vehicle but could not afford to make a {$410.00} payment but they are unwilling to work with me. They just keep dropping my credit score.

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