BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-25
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am writing to address a matter of utmost concern regarding the recent handling of my credit card account Account Number ending in XXXX. 

On XX/XX/XXXX, I contacted Sychrony 's customer service representative to inquire about the ongoing promotion associated with my credit card. The rep clearly explained to me that for balances exceeding {$3000.00}, a XXXX period with no interest rate would apply at any stores as well as XXXX. As per the representative 's guidance, I utilized my card, ensuring my balance exceeded the stated threshold, which was {$4200.00}. 

To ensure a clear understanding of my payment schedule, I called again on XX/XX/XXXX. However, during this conversation, I was shocked to be informed that I did not qualify for the promotion and that I would be subjected to an interest rate. This directly contradicted the information I had been given previously. I escalated the matter and was eventually connected with a XXXX who acknowledged the error on behalf of the representative 's part and expressed apologies. 

The XXXX issued a {$50.00} credit and assured me that no interest rate would be charged for at least XXXX months while the situation was rectified. He advised me to divide the balance of {$4200.00} into 24 months, as per the promotion terms. Additionally, I was directed to contact corporate to address the matter further. 

I promptly sent two faxes to the corporate office on XX/XX/XXXX and XX/XX/XXXX, detailing the circumstances and seeking clarification on the promotion 's application. Regrettably, I have yet to receive any response or acknowledgment from your corporate team. Meanwhile, an interest charge of {$120.00} has been applied to my account, exacerbating the situation. 

Despite speaking with the XXXX and following the suggested payment approach, I have been met with no communication and no resolution from the corporate office. It has been immensely frustrating and disheartening to be caught in this predicament due to no fault of my own.

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 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
First I must begin with my information was part of the massive XXXX XXXX leak back in XXXX. I had a pretty rough time with credit years ago, but never really cared enough to check my credit at all until recently. 
My credit report has been mixed up and merged with another persons and instead of immediately deleting the fraudulent and incorrect information, XXXX keeps opening new disputes for me when I call and then updating the personal information to match mine instead! I didnt want a dispute! I wanted the information deleted. 

Starting towards the beginning of XX/XX/XXXX I began calling and discussing with XXXX a couple of accounts/inquiries I didnt recognize as mine and wanted deleted. They instead opened a dispute for me, updated those accounts to link them to me and kept them on my profile when the dispute was completed. 

Then I had an entire bulk of additional accounts that were also in someone elses name added to my credit on top of that. Once again, I called and spoke with an associate at XXXX and they insisted they could erase information immediately even after I explained what happened before. They insisted that they would code everything right for deletion. So they opened another dispute for me and then the information was, once again, just updated and remained on my report. 

These accounts were completely in someone elses name, address and SS # however XXXX not only left them on my account. They updated the names, addresses and SS # during their disputes to match my information! 

Thats completely unethical and illegal in my personal opinion. All the bureaus pool information together from these consumer reporting agencies, thatre just random third parties that have no real way of validation. Whos going to hold the 3 bureaus or all the consumer reporting agencies accountable for these mistakes or fine them for their wrongdoings? Absolutely no one. They have no fear in putting anything they want on anyones credit report, regardless of the outcome for their financial situation. 

I request IMMEDIATE removal or verification of all accounts in question and have lost faith completely all the credit reporting and consumer reporting bureaus for reporting false or incorrect information so freely.

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 2022-09-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Macys gift card for XXXX. They said I could apply to get the card re-issued. I did and they denied the reissue of the card, meaning I cant use it. They sent me the denial today XX/XX/2022.

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 2018-05-25
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient Loans. 
I am outraged. My sons student loans are due. He spent 2 years at XXXX  at a very high rate which you know has went bankrupt and ( we singed for a parent loans ) it appears we can't get forgiveness for, since he left when he had received an XXXX XXXX then left. Then when things piled to Navient I spoke with them multiple times. They suggested to consolidate our parent loans, which we did. I also applied for debt driven repayment since they suggested it may lower my payments to near {$100.00} per month since I work & my wife is XXXXon SSI, total income around {$50000.00}. Taking their suggestion I applied for the income driven option. They let it sit for a near 2 months. I finally had to call, once I got through They found they had theapplication and nothing had been done with it for quite some time.

In the interum we were informed that his student private loans would be absorbed by Navient I was informed it would be reviewed and I would here back within 48 hours. I did here back within the time limit. When my son logged into make a payment. He found our payment had went from near {$340.00} to a full {$500.00} a month and his secondary student private loan from {$140.00} to {$200.00}. A large difference between what I was led to believe. I further looked and the first {$500.00} payment in total was applied towards the interest, not a dime to the principal. Even though Navient assumed my Son 's private student loan wihtin my account they could answer no questions as to why this payment went up even though I could completely see the charges and payments within Navient 's site.

Concerning my sons private school loans magically after being forced into Navient his payments went form app {$140.00} a month with {$76.00} dollars going to the principal, to the second month {$46.00} going to the principal to his latest payment {$26.00} going to the principal. 
Navient has no idea why, even though they took over the loan. As far as XXXX everyone hwo attended it appears was taken advantage of and thus everyone involved should be able to get some kind of relief. Any help you can provide is appriceated and our Senators should be taking the lead in helping our kids and our budgets. Ths loan system should " NOT BE '' a for profit system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
XXXX XXXX paid from escrow for county tax XXXX, XXXX   : I received a notice from county that my taxes have not been paid XXXX, XXXX   : I contacted my mortgage company who said " not to worry, it would be taken care of '' I asked for something in writing, but they said that could not do that. 
XX/XX/XXXX  : XXXX paid from escrow for county tax XX/XX/XXXX  : XXXX paid from escrow for county tax XX/XX/XXXX  : XXXX paid form escrow for county tax ( AGAIN ) XXXX  XXXX  XXXX  paid from escrow for county tax XX/XX/XXXX  : XXXX paid from escrow for county tax ( AGAIN ) Through these months, regularly contacted to company, who assured me that it would be straightened out, even though they kept sending me notices of a shortage and that my mortgage payment would be going up. They are STILL sending me notices. The county tells me that they sent a check on XX/XX/XXXX  forXXXX ( check # XXXX ) to the mortgage company, actually their agent XXXX XXXX. I do not owe them any extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my two year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is my official Notice of Dispute. I am a federally protected consumer and I am concerned that this account may be a direct violation of my rights to privacy by violating the fair credit reporting act, Gramm Leach Bliley Act. According to 15 usc 1681a ( d ) ( 2 ) ( A ) ( i ) information relating to transactions and experiences are excluded from consumer reports, according to 15 usc 1681s-3 ( a ) ( 1 ) ( B ) consumers should be allowed to prohibit solicitation in regards to marketing and the sharing of such information. I, the consumer have never received an option to prohibit Portfolio Recov Associates and its affiliates solicitations and never gave any direct consent to solicit any consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Banking with XXXX, I have had to close my acct three times in past 2 Months. 

Fraudulent activity such as people paying bills with my accounts to companies of whom I do not know. 

Fraudulent attempts on my account from phone number XXXX Trying to get personal Info in order to take money from my account.

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 2019-12-03
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:
Since XX/XX/2019, I try to eliminate errors in my credit report from TransUnion, XXXX, XXXX. They present certain debts which I do not recognize and according to the law I decided to dispute those accounts. I have sent a number of letters asking to verify why these accounts are being reported under my name since I don't know any of these companies. I even went directly to these companies and I ignored my letters, I never received a response from them. I let TransUnion, XXXX  and XXXX  know and they only replied that they had been verified. I ask for evidence of that and I don't answer either. I'm already tired of these companies doing what they want with humble people and damaging their credit report with false information. TransUnion, XXXX  and XXXX  show accounts that I never had with companies I don't recognize : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX. I hope you can stop this injustice.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX ran a hard inquiry on my Transunion report on XX/XX/2023 without my consent. I submitted a request for documentation that shows that authorized the inquiry and have not received a response

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 2022-09-14
Company: Southwest Credit Systems, L.P.
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:
I XXXX XXXX, previously had XXXX XXXX XXXX. As a result of their deceptive trade and sales tactics, erroneously wrongly raising my insurance rates, never defining what constitutes a 'Hard Brake ', and rude and abusive representatives, I canceled both my XXXX  XXXX XXXX as well as my XXXX XXXX XXXX XXXX, and, actually have a refund coming that I never received. I recently received yet another Collection Letter from XXXX ( XXXX XXXX ) purporting to be on behalf of XXXX trying to collect a debt I do not owe, and this is the second time I've received a letter from XXXX. I had my attorney contact them this morning ( Wednesday XX/XX/2022 ), and he spoke with a XXXX XXXX, who said she was : " ... transferring the call to executive relations ... '', she returned after in inordinate amount of time, and, told my attorney to : " ... leave a detailed message ... '', and my attorney told her ... '' I've already explained in detail to you... thank you for not helping me ... ''. *NOTE : It's important to note that this is not the first time both XXXX as well as this company have harassed me and made attempts to collect a non-existant debt, including but not limited to 'Hangup Telephone Calls ' with no message. Please help me end this overt and intentional harassment. Thank You. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: TN
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account # unknown has violated my rights XXXX XXXX XXXXXXXX, Account # unknown has violated my rights US Department of Edu, Account # unknown has violated my rights Inquiries : XXXX XXXX Bank has violated my rights XXXX XXXX Bank XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-09-13
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: Account status incorrect

Complaint:
A Payment was made to bring the account current prior to XXXX/XXXX  reporting to the Credit Bureaus , however XXXX/XXXX deliberately reported that the payment was past 30 days and I believe it is in response to them being spiteful and them retaliating against me for reporting them to multiple Regulators. I can tell you right now that these complaints will continue, because future borrowers should be extremely aware of how XXXX/XXXX  operates XXXX They appear to create their own rules while ignoring Consumer Protection laws. It is no surprise that they were unable to prove beyond the shadow of a doubt that they weren't incompetent and/or creating situations for borrowers that were questionable, such as converting promised Grants into loans for educators. Ms. XXXX knew what was going on, and so do various other State Legislators. When payments are late but paid before you submit to the Credit Bureas, XXXX/XXXX had advised me that they will not report that it was 30 days past due in the past. It is clear that people lie within this company. I've already seen multiple employee comments complaining about this company also saying that morale is bad and management treats people badly. There's a shocker. 

People are doing just this : https : 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
Consumer complaint received 2018-02-07
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently sent a letter to XXXX and Experian asking them to verify the bankruptcy on my report from XX/XX/XXXX. I feel they are reporting this bankruptcy illegally and in violation of the FCRA because they did not verify the information directly with the court. The court does not verify this information directly and I have included a letter to that effect. No bankruptcy court will verify a bankruptcy case to any credit reporting agency. I was then told me they used a third party vendor in XXXX to verify, which is also untrue because I have documentation of a security freeze I put on my XXXX report earlier last summer. Since they have no way to verify and are only assuming that since the bankruptcy was valid in XX/XX/XXXX that they have the right to report this illegal information for 10 full years. I willl be filing a case in small claims court here in Massachusetts seeking {$5000.00} in damages and a court order to compel XXXX and Experian to remove thIs illegally reported information. Also, any account included in this bankruptcy should also be removed from my credit file. Thank you for your help.

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 2023-08-25
Company: JPMORGAN CHASE & CO.
State: AR
Product: Credit reporting 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:
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 any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan through LOANCARE. I refinanced my loan to get a better rate with XXXX. My loan financed on XX/XX/2021. XXXX asked for two payoffs on XXXX and XXXX of XXXX. They never received a response. LOANCARE says it was paid off on XX/XX/2021. Now they have put a 30 day delinquency on my credit report. I am now trying to get a XXXX loan and can't because of this. If I would not have tried to get this loan I would have never known and my credit would have kept going down. No one ever called me and told me that I was 30 days late. This mistake is killing my credit. LOANCARE has bad customer service and they don't care if your credit is ruined. XXXX is the worst escalation agent ever no help at all. STAY AWAY FROM LOANCARE!!!!!!

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