BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am reporting a highly predatory practice from Synchrony bank and hope you can assist to get the issue resolve to eliminate or moderate the high interest rate. Synchrony provided a credit account with low interest grace period. I have been paying more than adequate amount monthly on time during that period. When the end of grace period was approaching, Synchrony XXXX sent any notification letter as reminder. Now, XXXX weeks after that period, it charges me XXXX XXXX XXXX interest of the entire balance starting from XXXX months ago. Ive called the support service multiple times and its customer account service individuals were not helpful and demonstrated no interest in getting the issue resolved in terms of lowering the rate and alternative way as I am willing to pay what is appropriate. Then I immediately paid off the remaining principal to show my good faith. However, when I asked the support individuals if there is any person/department who can help this again several times, the answer is big cold NO. All of those show the company has no interest to taking into account consumers interest. I can understand company would like to grow business by making more money, but I also believe in todays environment the company should also behave ethically to take some social responsibilities to build mutual beneficial relationship with customers instead of grabbing the money in ways it sees convenient, especially I am willing to work with them to get it resolved in this case. I really appreciate your time reading this message and hope you can help me to resolve this matter by lowering or eliminating high interest rate to protect consumers interests as I am paying more than {$11000.00} interest for a {$35000.00} loan ( currently all principals paid off )

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 monetary relief
Consumer complaint received 2020-07-14
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient. When they became Sallie mae, I had many issues as far as interest rate. I would woukd get charged interest on loans that had 0 balance and to consolidate my loas put me so behind that I got charge more interest than the loan. Also I had issues with devry adding loans without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
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: Information belongs to someone else

Complaint:
When checking Experian, I saw my credit score dropped due to an unpaid balance of {$3000.00} on a XXXX account. I have one chase account that is paid off. Once I made a dispute claiming this was fraud and not my account, then removed it from records. I, then, received an email updating my credit score dropping an additional 18 points. This account has drastically reduced my credit score and I promise myself in having a very good score. Please advice as XXXX nor Experian will assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-16
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
On XX/XX/2018 I was supposed to receive my payroll direct deposit. My funds were sent by my payroll department on XX/XX/2018. I have contacted Bluebird by American Express and they are claiming technical issues. When I called XX/XX/2018 I was told it would be fixed and my funds would be received by midnight. Midnight came and no funds, now they are saying they have no ETA on when we will receive our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
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:
Im asking for the company to remove the late payments. No one contacted me letting me know that I had to put the loans in deferment had I known I would have kept up with it now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The Citi Offer Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit : Open your account by XX/XX/XXXX Deposit {$15000.00} in new funds ( not currently with Citi ) into your checking account within 30 days. 
Maintain the {$15000.00} balance for 30 consecutive days following the deposit XX/XX/XXXX I initiated the account opening process. I chose the on-line funding option. 
I provided my account information in XXXX XXXXXXXX XXXX and my authorization to withdraw {$15000.00} from it to Citi to meet the required deposit. The fund was available in XXXX XXXX XXXX. There was no account number provided to me during the account opening process. 

XX/XX/XXXX Citi Email indicated that I was not an account holder and could not use the account. I responded the email accordingly. There was no account number provided. Attachment XXXX. 

XX/XX/XXXX The fund of {$15000.00} was taken out from my XXXX XXXX  XXXX account by a draft issued by Citi according to the XXXX XXXX  XXXX account record. 
Attachment XXXX, XX/XX/XXXX Citi Email indicated that Account application was approved. Attachment XXXX. 

The checking account was kept in good standing from XX/XX/XXXX to XX/XX/XXXX without getting any bonus or interest.

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: Credit Karma, LLC
State: NJ
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:
Credit Karma sent an email notification that I had a " derogatory mark '' on my credit when I did not. This is a type of click-bait and is inaccurate about my account. The rep from the company claims that the email is a " recommendation '', even though the email clearly states " View Derogatory Mark. '' This type of language would lead a reasonable person that there is, in fact, an actual mark to be viewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As of XX/XX/2023 XXXX has my birthdate listed incorrectly. 
As of XX/XX/2023 XXXX, Equifax, and XXXX are all showing different total accounts open, different status of certian accounts and misleading numbers on the total balances across the board. 
As of XX/XX/2023 XXXX, Equifax, and XXXX all are displaying discrepancies in payment dates, status of accounts, and opening dates, As of XX/XX/2023 XXXX, Equifax, and XXXX all are showing my Student loans from XXXX on my credit report which is against the privacy act, all the loans are up to date and I have the right to privacy of the status, due to the deferrment act passed by the president,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/2021 I sent in a letter regarding inaccurate and unverified items on XXXX credit report and to this day I have yet to receive a response. It feels as if my disputes are being ignored and I feel taken advantage of behind this. Section XXXX ( a ), it plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove the items from XXXX credit report. There has been more than enough time to fix these issues so they should be deleted promptly. I demand these accounts be deleted immediately and expeditiously or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX data breach and may have got into the wrong hands.

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 2021-06-30
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have a current bank account with Navy Federal Credit Union. I had a charged-off loan from XXXX. On Tuesday, XX/XX/XXXX, {$350.00} were deducted from my primary checking account. When I called to inquire, I was told it was taken for the charged-off loan and because they saw a large deposit made in my account they decided to deduct funds. I wasn't given prior notification. I do not have a payment arrangement for a charged-off loan. The debt collection statute of limitations has passed. I want my {$350.00} back. 

When I asked for it to be returned, I was told they didn't have to return it and could take monies at any time even though it's charged off and I don't have to be notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT XXXX XXXX ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2019-09-10
Company: STATE EMPLOYEES CREDIT UNION
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: Account status incorrect

Complaint:
I have reached out to both State Employees Credit Union and XXXX to correct the status and reporting history of a previous Visa account. SECU is reporting the account as charged off as of XX/XX/16, but is still showing that the money is owed and continuing to report the account as late. I have received documentation from SECU that the account was indeed charged off on XX/XX/16 and provided this to XXXX. XXXX is stating that when presenting this documentation to SECU, they are stating that they are allowed to report the status of this account is this manner. The account is causing me to not be able to secure a location for my family to live.

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 2020-11-27
Company: SYNCHRONY FINANCIAL
State: IN
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:
I have been a Sam 's Club Credit/Synchrony Bank holder since XXXX. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding damaging information being reported to my credit report and a reduction of my credit line. 
Admittedly I was late once this year according to XXXX on XX/XX/XXXX in XXXX. 
This year I have lost my sister-in-law to a XXXX XXXX, my mom to XXXX XXXX on XX/XX/XXXX, and XXXX members of my family have had XXXX. I currently am in XXXX XXXX for XXXX myself. In all of that I have paid my bills to the best of my ability, more than the minimum amount. The reasons she read over the phone for the reduction were lame and couldn't be explained to my satisfaction. 
She said the amount I was paying was low, but it was always more than the minimum. 
She said the ration of my payments were low compared my credit limit. 
She also said my credit score effected their decision. Never mind I have maintained worthy credit with them and everyone else. It was just the inquiries. 

I explained I felt that what they have done is unjust and unethical. I have had this card since XXXX, with a credit limit of {$5000.00}. I have never owed them more than say {$2000.00}. 

I understand credit worthiness so I always tried to not maximize more than 1/3 of this limit. Recently they say they sent me a letter explaining this on XX/XX/XXXX, although on today, XX/XX/XXXX, XXXX read the letter because I explained on XX/XX/XXXX I hadn't received it. I was told on XX/XX/XXXX, and XX/XX/XXXX, the letter would be resent to me explaining why my credit limit and went from {$5000.00} to {$1200.00}. They ask now for a minimum payment of {$34.00}. 

They are damaging my credit score severely. My score was originally damaged because a mortgage servicing broker took from XXXX of this year to XXXX and checked my credit several times to tell me they couldn't do a " streamline '' refinance. Also unjust but I am dealing with this as well. 

I have asked to have my credit line restored and XXXX told me wait 6 months. A tremendous amount of damage can be done by then I told her. 
Needless to say, it's not restored nor fixed. Whatever you can do to meditate this would be greatly appreciated. 

Sincerely, 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 2018-07-23
Company: M&T BANK CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mom died XX/XX/2017. She willed the house to my niece and nephew. We had filed a complaint prior to this one. The mortgage company ( M & T Bank ) was suppose to help my niece and nephew assume the loan. We tried making payments but they sent them back. First they said they had to be from my mom and dad who were already dead. Then as they were sending the payments back they were saying we were in default. Now supposily they are saying my niece and nephew have the loan in thier names they are still following through with foreclosure. How can they foreclose if someone has already assumed the loan. And try to foreclose while at the same time they are suppose to be helping. It's a fraud ... ... ... And all this because my mom died. This is not right and for them to foreclose on a home that they were supposily helping us modify the loan on is very illegal. We need to stop the foreclosure. We are low income and my niece and nephew are on SSI. We can't afford a attorney. Please help us. This is our second complaint.

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 2023-05-17
Company: PLANET HOME LENDING, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I begging to help me with this issue as i am afraid to loose my house. I've submitted numerous applications to Planet Home Lending. This line of credit was taken out without my consent i was not aware of them. They actually did not appeared until recently and now they are trying to foreclosed. This is a second loan line of credit I owe XXXX on my first loan and just recently solved me past due with them as well. Planet Home Lending has never tried to assist me in anyway. I feel discriminated by them many times I told them that i was not aware of this loan they refuse to show me proof and even thou I am trying to solve this matter now they are trying to take my only home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: EQUIFAX, INC.
State: NY
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:
I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX  University of XXXX XXXX   under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Investigation took more than 30 days

Complaint:
TOYOTA MOTOR CREDIT PUT LATE PAYMENTS ON MY CREDIT REPORT WHEN IT WAS THEIR FAULT BECAUSE THE PORTAL WASN'T WORKING CORRECTLY AND I HAD IT ON AUTOPAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, 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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: EQUIFAX, INC.
State: VA
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:
Please block these accounts due to the fact that they are not mines and I have expressed this on multiple occasions however, the credit reporting agencies especially Equifax has ignored the rules governing consumer investigations. I requested a Method of Verification atleast 3xs, but did not receive not 1. I would like to know every detail of your companies investigation into the following accounts or these accounts shall be removed immediately. And as a general rule it is not ethical for the reporting credit agencies to accept electronic Verification as proof of a valid account. I'm hereby demanding that these accounts be blocked. 

1 ) XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX {$XXXX} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX 8 ) XXXXr XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: General Motors Financial Company, Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Acct # starting in XXXX I am writing to dispute a charge off on my credit report that is past the statute of limitations. 

According to my records, the statute of limitations for this debt has expired, and as such, it should no longer be reported on my credit report. This account was settled in XX/XX/2016. 

I request that this charge off be removed from my credit report as as soon as possible.

Company response to consumer: Closed with explanation