BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-18
Company: SYNCHRONY FINANCIAL
State: VA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with renewal

Complaint:
I have a Synchrony Bank XXXX that matures today, XX/XX/2019, and I notified Synchrony Bank by email on XX/XX/2019 that I wished to transfer {$5000.00} to my external account XXXX XXXX XXXX and the remaining balance to my Synchrony Bank XXXX XXXX XXXX account. I requested an acknowledgement to my email. The acknowledgement I received was not what I requested so I called, XX/XX/2019, and spoke with a banker ( female - did not get her name ) who assured me that the matter would be corrected and apologized for the thoughtless response. Today I checked my on-line account and the XXXX account had been renewed for another year. No transfers. I called Synchrony Bank renewal department, XXXX, and spoke with XXXX who apologized for the error and that it would be corrected with 3 to 5 days. I advised him that was unacceptable and I wanted it corrected within XXXX hours ; also, that I would be filing a complaint with the Consumer Financial Protection Bureau. This is not the first time that Synchrony Bank has tried to renew a XXXX for another year and disregard the customer 's written and verbal instructions as to how the account is to be closed.

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 2018-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On X/XX/18 I called Capital One to remove a $ XXXX monthly fee from my oldest opened account. they declined offering to open a new account with a yearly fee instead of a monthly. I have a credit score over 800. I have an XXXX and XXXX XXXX XXXX I use as my daily cards. Capital is purely nickel and dimming me. I offered to use the card and have the fee removed. I offered to have it converted to a standard card with no fee. Capital One declined each offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
{$1800.00} with LVNV Funding LLC ( current creditor of your original XXXX Bank ( XXXX XXXX XXXX ) account ). 

Basically I was XXXX  and told to pay my debt from a third party company, which I was not notified in any way that my debt went to collections and this all happened during the pandemic, therefore It was more difficult and disappointing. My score went down drastically and it hurt me financially because It was hard for me to qualify for more credit. Lenders see me risky and difficult to apply for anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: AES/PHEAA
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX I received a call from XXXX which is AES ( student loans ). The rep was looking for my spouse and I advised he was not available and that i was his spouse and asked to have my number put on the Do Not Call list. The rep became very irate and mad and said no. I then advised that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I know that she is required to put me on the XXXX list when asked. She continued to harass me and speak over me which made me very frustrated and upset and I cried. She said stated that she was asking me simple questions and I was not understanding her and she was still raising her voice and sounding mad and annoyed. I then asked to speak to her manager/lead/senior and she refused. I asked if she was refusing to put my number on the XXXX list and she hung up on me. I am so frustrated and distraught at how I was treated. I know a large company like AES must have a way to put my number on the XXXX list and not be treated horribly. I then collected myself after being yelled at and crying and called the same number back and spent XXXX mins on the phone with another rep and explained my situation and she took notes and notated my husbands account but also advised that she was unable to put my phone number on a XXXX list because she did not have an account to do so with ( i was and am still confused by this ) and that my husband would need to call back. I am not obligated to his student loan in any way shape or form and he obtained the debt prior to us getting married so i do not know why they are calling me unless they are skip tracing. There is no way that my number could not be added to a XXXX list. I then also asked if I could submit a formal complaint and she said no, because her system does not allow her to do so. We left it as her notating the account, even though she said that she was not able to locate an account, and that she was not able to put my number on the XXXX list or file a formal complaint and that my husband would need to call back by XXXX XXXX  to talk further and take my number off his account. 

XX/XX/XXXX at XXXX XXXX AES XXXX again after speaking with them on XX/XX/XXXX. Asked for a manager and XXXX put me on a hold to get to a manager. I asked if they had read the notes and that this number should be on the Do Not Call list. She said she would put the number on the list today and submit a complaint after the call ended. I want restitution for being harassed by AES and them not following directions. This is absolutely unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
The XXXX price has fallen to a relatively low price this morning ( $ 11-12k down from $ 13-5k last week ) so I wanted to buy in with my Capital One XXXX credit card that I recently got renewed. To my surprise, XXXX rejected my charge because apparently Capital One banned all cryptocurrency purchases on their credit cards. I was completely unaware that their policy changed and missed the price opportunity I wanted to invest at. This wasted a bunch of time looking up all this nonsense, calling customer service, and now reporting this claim. There was no email notice, announcement blog, nor widely publicized tweet, just a few small sites covering a customer service reply to someone else complaining about their credit access being cut. The CFPB website says 45 days notice is required before a major change to a credit card 's terms of service, so XXXX? I had been watching the price charts all night long for the right time to buy-in expecting to be able to use my available credit. Fortunately I have other payment options or this would have cost me some coin, but I bet this failure to notify cost many others lots of money in lost opportunity ... seems like a class action waiting to happen. 

I understand that cryptocurrencies are often purchased with stolen cards, but there are many ways to validate and verify transactions rather than banning them altogether - simply ask cardholders their intentions. 

I was told by the president that you can do anything! Except pay XXXX with Capital One apparently ... 

I 'm actually shocked how much control this company has over my purchasing ability, so lesson learned. I 'm moving my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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:
On XX/XX/2022 I sent letters to XXXX, XXXX and Experian credit bureaus regarding negative accounts reflecting on my credit report that aren't mine. I requested removal of the negative information impacting my credit. I haven't received a response from either three companies. I also demanded they update my only address to reflect the current address and they haven't done that either.

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 2018-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion keeps ignoring me and not fixing anything. I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. Accounts XXXX XXXX XXXX XXXX XXXX XXXX I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. Inquiries 1 )  XXXX ( XX/XX/XXXX ) 2 ) XXXX/XXXX ( XX/XX/XXXX ) 3 ) XXXX/XXXX ( XX/XX/XXXX ) 4 ) XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX/XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/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 2018-01-16
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I close account XXXX. They was over charging for just two lines. Time went by. And beyond my abbilities to pay for bill of balance that I left behind. I received a letter from collection agency for that bill. I started making paymenta n on my second to last payment. They said XXXX gave them another bill that Was generated. My response was. That. Can not be true n how can I get two seperate bills for that one account. All of a sudden it was put on my credit report. So i tried to dispute but they supplied them with a bill with extra charges on supply n adjustment on extra charges 5 here n there n extra stuff I have no clue of.. I paid almos 500. That I was said I owed.

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 2019-04-01
Company: SYNCHRONY FINANCIAL
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:
I have tried to correct the following problem by making over 6 phone calls and writing letters to the bank : For the past month, every time I attempt to use the card, it is declined and then my credit card account is blocked. I contact the bank and they take me through a re-verification process that involves using a land line, a mobile phone and an XXXX. Several times the representative was unable to make the re-verification process work and a manager had to override the process and un-block it by pushing a button. Today I called for the 7th time, was on the phone for over 45 minutes and the manager could not get the re-verification process to work. I then asked him to simply unblock the account since I answered all security questions and identified myself to him. He refused to unblock the account. I have numerous other bank cards, but have never experienced anything like this. Can you get the bank to honor its contract and allow the card to by used? I have had NO fraudulent attempts of anyone ever trying to use my card or my account. This bank has very poor customer support and staff does not even know how to correct the problem.

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 2019-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 and Transunion are incorrectly reporting me as an Authorized User on XXXX - account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX   and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from 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 2019-04-01
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Add hurricane damage claim.. m & t banks requested check to be sent to them. Then sent to me. I took care of all the damages and sent the reports into m & t. They are refusing to send inspector out so I can get insurance.. And I keep getting notices that I am not making any effort and I've made no contact.. I've made every attempt sent them letters 3 times and have fixed everything with permits..

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 2017-11-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have mailed letters, called in multiple times to dispute a collections account that is listing false information in my name. The company is XXXX XXXX XXXX. I have mailed 3 letters to this company since XXXX of 2017 requesting proof this account belongs to me and have yet to hear back from this company. XXXX has not sent me any proof by mail or by phone why this account is still showing on my credit report other than it is validated by my name. That 's it. This account should n't be on my credit simply because I never received anything in the mail stating I owe this money or that I even had a collection account. I need this invalid account taken off of my credit immediately. XXXX is not even contacting my by my address to even show me proof this account is valid with my signature and that it actually belongs to 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 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 contacted the Credit Agencies in an effort to get them to remove fraudulently reporting accounts and inquiries from my credit file. The following fraud accounts are reporting on with the following Credit Agencies : Transunion is Reporting the following fraud accounts : 1. Law Offices - XXXX XXXX XXXX 2. XXXX - XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX - XXXX XXXX 4. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX XXXX is Reporting the following fraud accounts : 1. XXXX XXXX Please assist in helping me to get the following items removed

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 2019-04-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Respected Sir /Madam, I bought a engagement ring from XXXX XXXX an year back, while buying the associate as usual was very keen selling the item. As the ring was expensive we asked for a finance option, and the associate gave us an assurity of 0 % no interest on the loan, and me and my to be other half decided to put some down payment and take the use of 0 % finance scheme. 
We came out happy from the store I went home and set up an auto payment option of XXXX $ per month to the finance scheme from XXXX XXXX ( through comenity bank ). 
Please see the details of the payments I have done till date. 

Down payment at purchase ( XX/XX/XXXX ) XXXX $ Monthly payment ( Every month since XX/XX/XXXX ) XXXX X XXXX month= XXXX Interest charged ( every month ) total XXXX $ Total amount I still owe XXXX XXXX day I just thought of opening my account and checking out how much I still owe and I figured out I am paying 14 % interest every month. 
When I called the customer service of comenity bank, they opened my dispute and sent me an reply that I have to pay. 
I bought this ring taking into consideration the deal of 0 % finance, the person working at XXXX XXXX did not even mention about 14 % interest I will be paying. 
Sir/mam, this is very hard earned money and it is very frustrating to see how these big companies try to do the shady things and extract money from normal people. 
Please help me out. 
I am ready to pay my remaining balance of XXXX and I should get my refund back for XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2021-11-23
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over XXXX days later I have not received a response yet. I feel like I am being wrongly treated, ignored of my disputes, as well as having my Privacy violated under 15 U.S. Code 16 81 ( A ) ( 4 ) due to the items being reported. I believe failure to look into these items within XXXX days gives a reason to quickly remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the stress you caused me. There is a FTC report as well due to My information also being impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, INC.
State: NC
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:
Contacted XXXX XXXX XXXX XXXX on XXXX XXXX2018 @ XXXX. I spoke with XXXX XXXX in the XXXX North Carolina office in regards to a vehicle that does not belong to me appearing on my credit report. She stated that she have no account based on me providing my social security number along with my first and last name and address. She asked for my social security number and I provided my social XXXX she stated she had nothing that matched my social security number. She advised me to contact XXXX XXXX from the Recovery department telephone XXXX, I contacted XXXX XXXX at XXXXXXXX XXXX, per XXXX XXXX there is no information based on the social security Address or name provided.. XXXX XXXX advised me to reach out to the credit bureaus which have been done on several attempts but this still remains on my credit report. This account does not belong to me and I would like for this acct to be Deleted immediately. This has damaged my financial state. Please delete Not my account. Delete from all bureaus.

Company response to consumer: Closed with non-monetary relief