BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Given that Synchrony Bank is a major issuer of store cards and connected to various major shopping outlets like PayPal and Amazon, I found myself with approximatley 12 accounts with Synchrony Bank, which have all been open for as long as six years. 
All of the accounts have been handled exceptionally well and have been on auto payment with very low balances as compared to the established credit guidelines, which are in excess of {$14000.00} on most accounts. To ensure timely payment on the account, all have been set up on auto payment deduction for quite some time. Synchrony Bank makes it easy to request a credit guideline increase, which was done on a regular basis and they've accomodated extremely high increases on my credit accounts on a frequesnt basis. 
My problems started with Syncrhony Bank a few months ago when there was a bank error and the automatic payment processed on my Chevron Card, which caused the payment to be late. It was explained to me that this was a system glitch within Synchrony Banks system and was immediatley recified. The fee was waived, payment was defered and my auto payment began to be processed without fail for the following month or two. 

On XX/XX/2020 I learned that Synchonry Bank decided to close all of my accounts with their organization with an extremly vague response that my accounts had a high risk of non-payment and in this letter there was no reference to my credit file or the the exceptional handing of my other accounts or those with Synchrony Bank. I asked for a more detailed response with their customer service department and wasn't offered any further of a response. I believe that this is related to the most recent bank error on my Chevron account, that was supposedly fixed. 

To make matters worse, I've also recently learned that my Lowes Account, which has been on auto payment for many years was taken off for an unknown reason, which caused the account to fall past due and a late fee was assessed. Because the account is closed, it is difficult to chat with customer service online to get this situation resolved.

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 2020-10-27
Company: Amsher Collection Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive paid my Amsher collection on the understanding that they would completely remove it from my report. It has been more than a month and it still shows and with the wrong amount!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: ALLY FINANCIAL INC.
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My names is XXXX XXXX I had Brought a vehicle from XXXX XXXX in XXXX Florida in the year of XXXX and nobody had told me that the automobile was impounded two days in XXXX before, I even purchased it and it has all kind of issue two days after I brought it and I brought it to their attention they told me that they had no record of the vehicle and they will not fix the issue on the car. they told me " a oil change is the best they can do for me '' keep in mind that they're charge me for a three years warranty on it. so I had to voluntarily serenader the car to the bank which is ( ALLY financial ) .They pick up the vehicle on XX/XX/XXXX and sold it and packet the money and now I'm stock with a {$15000.00} Dollars loan on my names with no vehicle and a child to taken care of.Those people are scammer and someone need to check the out. they need to stop stealing from young people that they're assume are lack of knowledge .I request them to keep my great payment history and report the balance to XXXX please because the AMERICAN people are tired of being scam.I also request all unauthorized inquiries to remove on my credit report as well.Uder THE FAIR CREDIT REPORT ACT I have the right to have outdated information remove any information with out my consent.

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 2018-04-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XX/XX/XXXX I was a victim of a hard pull on my credit by a company called XXXX XXXX which I have no account nor affiliation with. I wasnt aware of the fact that Id have my credit reported to this company. 
Again XX/XX/XXXX I was a victim of a hard pull by the same company with no recollection of consent to run my credit report. 
XX/XX/XXXX I was a victim of another hard pull from Navy Federal. In which case I do not recall giving any permission for them to run my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-19
Company: FORD MOTOR CREDIT CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My lease was current and in good standing through XX/XX/2020. The C19 stoppage occurred, and I tried to postpone my lease payment to conserve cash like everyone else. I attempted to make a modification on the website, but Ford wanted 33 % penalty to postpone the payment. I would not pay this price gouging extortion amount. 

I have been calling the " help '' line in an attempt to communicate the fact that I would be making payments but would be pushing them 90 days. The Ford system would " not accept '' the modified, promise to pay date that I gave. 

Ford has illegally ( under the CARES Act ) reported this as a late payment and is attempting to ruin my credit ( was an XXXX prior to this ). All this while Ford tries to make itself the " good guy '' by offering " new '' customers a 90 deferment of payments, seriously? 

Ford is profiting off of the C19 stoppage by grabbing an extra 33 % from those that are just trying to do the right thing, and trying to hang on and get through this XXXX. If this is happening to me, it must be happening to tens of thousands of people across the State and Nation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27
Company: Miller, Stark, Klein and Associates
State: CA
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:
I first contacted this company as a result of returning a missed phone call. When the person in that company answer they asked me for my name which I gave. From there they began demanding I give them my social security number, address and date of birth. 
I asked two times for very basic information on my end Who are you and what is this about? They refuse to tell me instead they kept demanding for my private information and claim they wouldn't tell me who they were unless I gave such information. When I told them that I would not give them any private information the woman on the other end of the phone got really angry. Began to threaten to sue me and that she would report that I was being uncooperative and refusing to help. I still don't know what this is about but I just go another call from the same phone number. So I did a phone number reversal look up online and it turns out its a company called. Miller Stark and Associates located in North Carolina. I live in California so I have no idea why a company in North Carolina would be trying to contact me. This sounds extremely sketchy, abusive and harrasement. I do believe even if its some sort of old debt which I am unaware of *I have really good credit and don't have any outstanding debt* this is illegal in my State.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian, XXXX and XXXX did n't send me my updated credit report with a courtesy credit score, so I can review and send the errors, unauthorize inquiries on my credit report. My name is XXXX XXXX XXXX, not the other names and information on my personal file.

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 2021-08-11
Company: Social Finance, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was paid off on XX/XX/2021 which resulted in an overpayment with an accrued escrow balance. Lender has failed to process refund of overpayment and has refused to advise when the payment will be processed and issued. 

I have attempted to resolve this issue multiple times and concerned they are withholding funds that should be refunded. They have thousands of dollars in funds that were part of escrow and overpayment that they have not released. The communication with them has resulted in no clear answer or expectations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: SYNCHRONY FINANCIAL
State: VA
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:
Ordered furniture on XX/XX/2020 with Ashley Furniture on XXXX XXXX XXXX VA Still waiting on delivery for a furniture for our bedroom. N

O bed, NO dresser, No Night Stand no railings no nothing has been delivered. we have called and called to wait on hold for 30 minutes each time Spoke with XXXX and manager XXXX at store location who assured us items were in and furniture would be delivered on XX/XX/2020 Truck pulls up with partial items to a bedroom. Mind you they ( Ashley Furniture ) is responsible for set up as well upon delivery

. Wet boxes arrived with missing items needed to conclude a bedroom set-up. Called back to store and manager is out of office and Sales mgr is in meetings. How convenient all the while our bedroom has been in a disarray  since XXXX. What a mighty good mess.

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 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
To Whom It May Concern, When I applied for a Credit Card with Capital One, I was told that I did not qualify for credit despite being a customer and a natural person. My social security number ( credit card ) was used but I received NO benefit is evidence that XXXX XXXX engaged in fraudulent behavior ( unauthorized use of credit card ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX account ( XXXX ) still showing payment history innaccuracies The following inaccuracies are as follows : XXXX  and Equifax are showing different information when it comes to this account >>>>XXXX  Account # XXXX XX/XX/XXXX - 90 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX to XX/XX/XXXX - No Data XX/XX/XXXX - Closed XX/XX/XXXX - Closed XX/XX/XXXX - Closed<<<<<< >>>> >>>Equifax Account # XXXX XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX - On Time XX/XX/XXXX - No Data XX/XX/XXXX to XX/XX/XXXX - On time XX/XX/XXXX - On Time XX/XX/XXXX - On Time XX/XX/XXXX - Closed <<<< I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete this account from my report. I have clear proof of all my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Barclays Bank Delaware says I opened a credit card with them on XX/XX/XXXX which I never opened. Records on my credit report show the card was never used so it was a XXXX balance every month until XX/XX/XXXX when a charged or fee showed up at {$89.00} dollars with a {$27.00} payment which I never paid??? This shows some payments which I never made then in XX/XX/XXXX it shows a XXXX balance. This is FRAUD

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 2020-10-27
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have two outstanding disputes with my reliance prepaid card from two months ago that are not resolved yet by reliacard one is an item that I took back from two Walmarts a computer I printed out a return label and put it into the kiosk as XXXX wanted they had never returned the money to me which is {$520.00} and some change so I called reliacard and filed a dispute gave them all the information that they required of me and still I have that yet to get that money back into my account the other is for {$130.00} for items purchased online that were never shipped out 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 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX XXXX {$24000.00} XXXX XXXX $

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Northland Group Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received several letters from different credit collection agencies regarding an account from XXXX XXXX for the amount of {$460.00} which is being reported to all 3 credit bureaus XXXX XXXX XXXX  I have informed them in writing and verbally that this account is not mine and ask them could you please provide me validation of the original contract payment and interest fees validating that I sign for this account with my signature

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-28
Company: Experian Information Solutions Inc.
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and I noticed a credit inquiry on my credit report by XXXX XXXX bank on XX/XX/2020. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they received what they considered to be a credit application. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.

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 2017-08-11
Company: Account Services Collections, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
After viewing my credit report I found out that a medical bill was sent to a collection company. The medical service was from XXXX and I was insured. They are a third party company and should not have access to my medical information. This is a HIPAA violation.

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 2021-04-29
Company: American Credit Acceptance, LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
American credit acceptance sent a email out stating they will not be charging late charges. Yet they are keeping it on the account as late and its not right because the pandemic stopped everything I let them know we were and are under the disaster. I would like the late statements to be removed because its also stopping a lot of thing for me to get my family back on track.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: EQUIFAX, 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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, 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:
XXXX XXXX, XXXX XXXX. I noticed someone applied for something in my name. XX/XX/2023 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
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:
The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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 explanation