BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-04
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
When you first login to your Care Credit account with Synchrony Bank, a window appears requiring that you update your personal information with this message : " Our records indicate that you may have incorrect or incomplete data on file. Please take a moment to verify your personal information to ensure delivery of important notifications. '' You can only select the button " Update Required '' because the " Continue '' button does not work. 

The second pop-up window indicates 3 missing items on my account per Synchrony Bank is my work and home phone numbers and my monthly net income. Now, since Synchrony already has my mailing address and mobile phone number, I dont feel I need to also give my home and work phone numbers. Further, in providing additional phone numbers, you are agreeing to Synchonys contacting you at those numbers to which I do not agree. Finally, since I already have an established line of credit and an account in good standing, there is no need for Synchrony to know my current monthly net income. I will disclose my income when I need a higher line of credit. Synchronys message on that pop-up window is " Our records show that we do not have your updated income. Please review and save. '' I left my income at {$0.00}. Selecting the cancel button took me right back to the original pop-up screen soliciting for my personal information. Selecting the continue button exited me from that solicitation loop. I think most people would have responded to the invasive request and inputted their personal information because you can not easily exit out of the loop and the language " update required '' is a mandate. 

I complained to Synchrony that asking for income information as if it were a required update is misleading and an invasion of privacy. That complaint has been erased from my Messages history on their website. Synchrony is wrong to solicit customers ' most current personal income information as if it were a required disclosure when those customers have already been approved by Synchrony for a line of credit. If Synchrony would like to have that information to consider increasing a customers line of credit, then it needs to state it as such. Otherwise, it should NOT be privy to that information.

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 2022-02-09
Company: National Credit Systems,Inc.
State: TX
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:
Hello, I have made several attempts to verify debt on my current XXXX credit report by National Credit systems and they have continually been non responsive and have failed to provide verification of debt they are stating I owe. I have sent several letters to the creditor since XXXX and I have not received any response from none of the letters. I have also sent multiple communication to XXXX disputing the debt and it came back " verified '' according to XXXX but the creditor is refusing to send me written notification of the debt, verification that the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The attached letters, which are debt validation forms, were sent and received via certified mail to National Credit Systems. The company after 30 days has still not responded and failed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.Late OpeXXXX XXXX XXXX XXXX XXXX  Date Opened XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XXXX Balance Owed : {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I received XXXX XXXX response. However the company misrepresents multiple facts 1. The claim decision was closed as the transactions were verified as authorized electronic payments. Communication regarding the claim findings was sent via mail on XX/XX/2022. 

Can you please specify which address you've sent you? I've called XXXX on XX/XX/XXXX to ask where I can send the police report. At that point, I was not informed a decision letter has been sent. 

2. I've requested a copy of the investigation results. However, I still haven't received anything as of today. 

3. I've asked XXXX to explain the details and the reasons for the decision. No detailed explanations were given as of today. Can you please provide your compelling evidence and provide detailed explanation of the decision? 

4. An formal arbitration has been filed with XXXX based on the user agreement. However I truly believe XXXX failed in its reasonable investigation. This issue is noting related to XXXX. The funds was withdraw with XXXX directly and XXXX is not the only bank linked to 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 2019-05-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
my complaint is that I am buying shares from a company in XXXX ( XXXX ) and I live in XXXX. the bank is in XXXX. 

I have called many times to complain that they are stopping the payment through my XXXX account to buy the stock. it is anywhere from 10 to sometimes as much as 300. 

I have called them over 20 times since starting to buy the shares ( almost XXXX ). and many times they stopped the payment to the XXXX account. or even sent emails notices that there is a security problem in my account ( XXXX-XXXX-XXXX ) and now today I get still another email that there is a security concern with my credit card. I called them still again and I told her I did not want to speak to people just going over a scrip but to a manager. She put me on hold and no one ever came back on line and it 'timed out '. 

This is unusual for this but I know they have clients all over the world. so, why is this such a Hugh problem for them to correct?!?!?!? 

I have called every time and still the problem exists. the USAA bank in XXXX XXXX is not really doing anything for my problem. with more than 15 times calling over a few months is just to much to take now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
For one year I literally jumped through hoops for my homeowners support home modification application. Bank statements, certified letters, pay stubs resubmitted several times. After following all their guidelines I was approved. I had a 3 month trial period XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  I met all the requirements. Paid through the trail as contracted. Citi mortgage then sent a mobile notary for me to sign the final mortgage. I am still intrail at these crazy amounts. Theyre charging me {$140000.00} for a {$70000.00} loan. I felt as if they were taking advantage of me for I never heard anything again but was instructed to continue the trail payments. I have since stopped I fear that I am being scammed. The entire process has been one difficult thing after another with Citi never holding up their end. Why wasnt I given my mortgage upon completion of my trail payments. Please help 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 2023-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
First of all XXXX XXXX is NOT even licensed in Florida as a collection agency. They are illegally attempting to collect an alleged debt, which is a major violation of my consumer rights. I have attached the list of XXXX XXXX  where FLORIDA is NOT listed. 

XXXX XXXX also lost a class action settlement by using unlawful collection lawsuits in Illinois. They manage purchased accounts and collect alleged debts. They continue to violate debt collection laws XXXX XXXX has failed to comply with the Gramm Leech Biley Act 15 USC 6802. They never gave me the ability to opt out and used my information without my permission, which is identity theft. 

There was also no Permissible purpose for this Account XXXX XXXX to be listed on my credit report. Both permissible purpose law ( 15usc1681b ( A ) ( 2 ) and the GLBA have been violated and it is identity theft. 

According to 18 USC 1028 ( a ) ( 7 ), it defines identity theft which is just someone possessing, transferring or using a means of identification of another person unlawfully. This is what took place. 

XXXX, Equifax, XXXX and XXXX XXXX " regularly engage in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 

These companies have all violated either of the two which both constitute identify theft. 

I have contacted the Attorney General 's Office, XXXX and the CFPB numerous times and nothing has been done about the violation of my consumer rights. 

I demand Account XXXX  XXXX to be removed from my credit report and file or I will be seeking statutory damages since you willfully violated the obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: World Acceptance Corporation
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On the date of XX/XX/2022 i was looking into a personal loan came across world acceptant finance i put in a allocation online was called at XXXX XXXX by XXXX i was asked if i was looking into a loan of XXXX i said yes and she asked if i wanted to proceed with application i asked is there a hard credit pull cause if there is don't do it i won't be approved if it's a soft credit pull then yes i wan na proceed she said no it's only if we run your credit two time i asked if she was sure i was in the process of repairing my credit don't want hard inquiry she assured me there wasn't as soon as we got off the phone i got a email of a hard credit check tried calling back no answer went to the office asked them to remove i did not authorize if it was gon na be a hard credit inquiry i spoke with the manager her name was XXXX XXXX she stated there branch manager would call me never got them to removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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: Old information reappears or never goes away

Complaint:
My account is in good standing, and yet it has been over 7 years since the account was paid in full and I have frequently asked the creditor to reflect that and remove the collection status and yet they refuse. Since 2014 my dispute remains open with then with regard to this account and they refuse to close, resolve, and remove or amend the collection status. It is hurting my credit score, and affecting my ability to purchase a home and build my credit worthiness.

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 2018-12-27
Company: Experian Information Solutions Inc.
State: MD
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:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report 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 2023-06-07
Company: GOLDMAN SACHS BANK USA
State: MD
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: Card was charged for something you did not purchase with the card

Complaint:
From approximately XX/XX/XXXX until the beginning months of XXXX, I was the victim of severe identity theft and fraud on all of my financial accounts and personal technology. Additionally, in XXXX of XXXX I got sick and required hospitalization. I was not well again until the beginning of XXXX. As a result, I did not add any charges to the card during that time frame. Additionally, there was additional coverage on the car insuring the resolution of any outstanding balance if, in fact, I did become ill and could not otherwise resolve the dame. I therefore dispute the balance in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Problem : {$1300.00} worthy of Uber Visa Card points are forced to depreciated into {$250.00} uber cash Late XX/XX/XXXX, Barclays relaunches the Uber Credit Card. In the informing email sent out to its existing card-holders, it only emphasized the change of new rewards earning structure, including earn 5 % back in Uber Cash, mentioned all rewards points would be converted into Uber Cash if not asked to be redeemed by card-holders before XX/XX/XXXX. 

Mid-XX/XX/XXXX : I redeemed {$250.00} Uber Cash, which is marketed as " earned this billing cycle. '' I couldn't help notice that there was {$1000.00} marked as " earned last statement '' but I was unable to redeem them because {$250.00} was all that the Uber app showed as " available to redeem. '' ( Please see attached Exhibit A and B for reference ) I called up Barclay and they asked me to seek help from Uber, so I did. Then Uber asked me to address the issue Barclay, so I called Barclay again. This time they agreed to open an investigation for me. 

XX/XX/XXXX, I received a letter from Barclay asking me to call them for more information about my case. I was informed by the representative that the {$250.00} I redeemed are of the same value the {$1300.00} rewards points in the past and therefore she could not help me match the discrepancy. In other words, my {$1300.00} worth of rewards is depreciated into 20 % of its original value because Barclays and Uber decided this is how they want to do their business.

My complaints : 1. This is an atrocious breach of trust and contract, not only because this is not the term I agreed when I signed up for Uber Cash, but also a fraud of allowing card-holders to assume that they reward points are of the same value in U.S dollars only to be redeemed in a limited manner.

2. The email that was supposed to serve the purpose of informing card-holders change of contract terms was opaqued by the highlights of new benefits and encouragement of usage of Uber Card, which in its very nature is advertisement and a distraction of important notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Fraudulent Inquiries and inaccurate account information

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 2023-06-07
Company: DISCOVER BANK
State: PA
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 Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Monterey Financial Services LLC
State: NY
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 have sent in disputes and also a debt validation letter. Included will be the mail tracking number and documents that were received from them in correspondence to the debt validation. The information they sent does not suffice a validation of a consumer or credit debt that I owe. The company Monterey Financial Services LLC, account # : XXXX is reporting on multiple credit bureaus inaccurate information. 
Certified mail receipt tracking # XXXX Date : XX/XX/2022 No documents that were included were the required documentation to validate a debt. 
Included will be all documentation received from Monterey Financial Services LLC. I would like to also be compensated for the multiple violations committed by company Monterey Financial Services LLC and or XXXX. 
{$1000.00} per violation under 15 USC 1681 ( a ) ( 1 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Fraudulent account XXXX XXXX openXX/XX/XXXX Amount 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 2023-01-11
Company: Bread Financial Holdings, Inc.
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I currently owe XXXX XXXX  around {$600.00} for a Victorias Secret Card and {$400.00} for a XXXX XXXX. The debt was created in XXXX of XXXX. I lost my job in XXXX of XXXX. I found a job shortly after, and worked to pay at least the minimum on my accounts. The moment I didnt make a payment for a month ( date unknown ) I would start to get at least 6 to 15 phone calls per day. This would happen if a single payment was missed. I have reached up to 3 or 4 missed payments at a time- as the months increase, so do the amount of calls. 

I did call the bank in late summer of XXXX, after a phone call was made to my mom demanding for a payment to be made. I never gave my moms phone number as a contact, and had no idea how they got it. While on this phone call, I mentioned how the many phone calls a day were harassment, asked how it was legal to contact my mom, and proceeded to ask about options available to me. The person on the other line said the calls were normal and they contacted my mom because they couldnt get ahold of me. I asked my mom never be contacted because its not her account. However, I had been in contact with them - just not in constant contact. The man on the line only gave me options where a payment could be made, though I said multiple times I couldnt make a payment till I found another job. 

The phone calls increased after this phone call, despite me making payments when I could. After getting around 15 phone calls at XXXX, I took to XXXX to look up borrower rights. In this search I found out the amount of calls I have received and the call to my mom were very illegal. I then called the bank and demanded the harassment end. They did not talk about it offer me any options to help with my situation or offer any relief, but the phone calls did stop after this conversation. I did receive occasional emails but had no problem with this as I know they need to have some form of contact. At this time, I was paying when I could. 

On XXXX XXXX, XXXX another phone call was made to my mom. I have the voicemail from this phone call. I immediately called as soon as my mom sent me the information. This time I asked more questions about how they got my mothers contact. The lady on the other end said they had to search for another way to contact me- which means they illegally looked for family members to contact. I never gave permission, at any point, for my mom to be contacted. Again, a conversation about programs or options wasnt made. 

I havent known how to report this, but an article I read mentioned filing a complaint with Consumer Financial Protection Bureau.

Company response to consumer: Closed with non-monetary relief