BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony ( Care Credit ) Every month for 6 months. I've paid they charge Me every month a interest fee then a card fee. 
{$2.00} intrest card fee {$14.00}. 
XX/XX/XXXX. 6 months later I get charged with a intrest charge fee of XXXX and card fee of XXXX. Literally everything I have paid. Now we're in XXXX and my intrest fee is XXXX and card fee is XXXX. When I called them they said because they weren't charging all in the intrest fee and because I didn't pay it off in 6 months. I never saw anything stating that we owe extra for 6 months.

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 2021-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
It was a recorded call from XXXX XXXX XXXX XXXX at XXXX saying I could get 18 months interest free. I pushed one to speak with a representative. I ask who was calling, he responded Capital One Credit Card. I told him I had no busy with them and asked to be removed from their calling list. He asked if I had no business with Capital One? I said no and again asked to be removed from their calling list. He told me NO. I said ok and asked to speak with his supervisor. Again he told me NO. I reinterated. He said NO and I hung up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-30
Company: GOLDMAN SACHS BANK USA
State: PA
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:
Applied for Apple Credit Card ( Goldman Sachs ) ... was told 2 days later my identity couldn't be verified. Customer support instructed me to re-submit application and make sure info was correct. I did so and the application was under review for over 2 weeks. I reached out to card support once again and was told application was being reviewed. 
That same day ( XX/XX/2019 ) I was approved for account with {$6000.00} limit at 23.79 % interest. 

Today ( XX/XX/2019 ) my account was closed by Goldman Sachs. 
I reached out to card support and they could not give me reason why account was closed. They stated that in my card agreement they reserve the right to close my account at any time. 

Accepting the offer caused a hard inquiry on my credit report. Closing the account has affected my average age of accounts, both negatively affecting my credit score.

I have worked very hard to build my credit score up to XXXX. This is unacceptable to me. 
I have limited credit account history so age of accounts is an important factor. I also have a perfect payment history on all credit accounts and often pay balance in full monthly, and always pay more than minimum payment. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2019 I requested by mail a report and score by enclosing a check for {$9.00}. This check was cashed by Trans Union. On XX/XX/2019 I was sent my report with NO SCORE. I called Trans Union on XX/XX/2019 at XXXX and was hung up on three separate times by different representatives while on hold. Each time I called back a different representative took the information over again but could not get me a score I paid for. I felt that I was deliberately getting the run around. 
After all the frustration, I am sending in this complaint. This problem should not happen. Agencies that compiled my data should be accountable for answering my requests for information without me having to contact you.

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 2019-10-30
Company: U.S. BANCORP
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:
I opened a U.S. Bank Business Checking account on XX/XX/19. U.S. Bank was running a promotion from XX/XX/19 - XX/XX/19, during which if I opened an account and deposited {$5000.00}, I would receive a {$400.00} bonus within 45 days. I deposited {$5000.00} by XX/XX/19, and as of writing this complaint on XX/XX/19, I have not received the bonus. The banker that opened this account and U.S. Bank have both been unhelpful and misleading. In fact, I was told that I had already met the bonus requirements, only for a banker to tell me that I needed to upgrade my existing checking account, to see if that would " fix '' the bonus. Unbelievable.

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 2019-02-11
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PLease help I am trying to save my home My husband very sick i been spending most of my time taking him in and out of the hospital this making my work and income slow. 
I want and need to catch up on my family home we have lived and made payments on this home since 2005. 

Please help me work with Mr Cooper and XXXX XXXX to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a credit freeze with squid ax 18 months ago. I tried to do a temporary lift this summer and was locked out of the report. I faxed info requested info - DOB, last five years residence, SSN, pic of drivers license ( have transmittal sheet proof it was received ). Called Equifax a couple weeks later sand agent said nothing in system that they received it. So two weeks later ( a month total since my fax was sent ) I sent a letter with copy of fax, proof of transmittal and all info from the fax snd mailed certified to equifax. Its been three weeks since I mailed that. 

They received it a week after I sent it. The letter included request to allow me access to my credit file to to freeze/unfreezes or explain why the are refusing. 

I tried getting into my equifax today XXXX Sunday XX/XX/2020 ). I am still getting the screen that says there is an issue and to call them M-Fri.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I never owed this debt. It was done in retaliation to a bad review due to not having AC for over a month starting the first day we moved in. Manager said she was a lawyer and could do what she wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX  days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2021-03-12
Company: EQUIFAX, INC.
State: NV
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 have disputed the items that are not mine and there some items that is still remaining that needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
After we bought homeowners insurance from XXXX XXXX XXXX. On XX/XX/XXXX we had our agent Notice our mortgage co of same. XXXX refused or neglected to accept our regular mailed notices from our agent and from ourselves to three different XXXX offices in MN., IN. and Texas so we finally sent notice by registered mail which they accepted in XX/XX/XXXX but not before they bought a property loss policy with coverage to under {$400000.00} while our mortgage was over {$850000.00}. We could not understand why they would buy such low coverage. 
Now we think we know. 
By XX/XX/XXXX we increased our coverage to over XXXX XXXX including our personal property and told XXXX to obtain a refund from their insurance co. and credit our escrow tax & insurance set aside for {$2400.00}. They admit in letter attached on XX/XX/XXXX they had made a mistake and should have credited our escrow account since XX/XX/XXXX but as of XX/XX/XXXX see attached letter from XXXX they had refused to do so even though we had sent 8 letters and email since XX/XX/XXXX - XX/XX/XXXX. giving notice and requesting credit back into our escrow account. 

The XX/XX/XXXX letter gives us NOTICE OF FORECLOSURE if we do not pay an additional {$2700.00}. into our escrow account to pay our property taxes. We will pay this demand for {$2700.00} under duress even though according to our accounts have {$1900.00} plus the " lost '' {$2400.00} or only short {$100.00}. to pay out tax bill first installment. 

We believe elderly property owners such as us who have a huge equity position in our property are targets for a foreclosure proceeding and that is why XXXX bought such low coverage. On XX/XX/XXXX our home and personal property was completely lost in the XXXX XXXX XXXX in XXXX Ca. Had we not asked XXXX to cancel it 's {$400000.00} policy we would now be forced into foreclosure and possibly bankruptcy. 

We believe XXXX 's policy of buying under coverage policies for high equity properties and rushing to pay for insurance and taxes months before the bills are due is a policy with criminal intent and by delaying or neglecting to restore escrow accounts appears to be fraudulent at best. 

The actions of XXXX has caused my wife and me many sleepless nights and hours of phone calls & letters without end. We as older folks are sometimes subject to these kinds of threats which cause great pain and suffering. We hope you can bring the law to bear on this firm.. 
XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Strategic Alliances, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting unwanted phone calls from a company that is using a " XXXX XXXX '' tactic. I block one, they call again from another number. I called them back today and they tried to get me to give them all my personal information stating they were trying to collect a debt from a company called XXXX. It looks like The original company has sold a debt that was either old, charged off or mistaken which means the original debt is no longer valid, has been written off on taxes or collected reimbursement through their insurance carrier. I can not locate any information in the form of a " Signed Contract '' wet ink signature stating that I owe any debt to this company or any subsidiary. The collection company has been advised to stop contacting me as they have never sent anything in writing stating my rights to challenge the debt within a 30 day period so therefore they are operating by illegal standards of trying to force me to acknowledge a debt that I do not have. If this debt collection company has purchased this debt from the original creditor, and the original debt was written off then the debt is no longer valid when it comes to anyone. This collection company was asked today via the phone, do you have the original contract, the agent said No we do not have that on file, then how can you prove that I or anyone else owes anything to you. Simply sending a statement is not an obligation to say a debt is valid. This collection company FIRST FINANCIAL ASSET MANAGEMENT with a phone number of XXXX has called me from a XXXX several times and I have asked them to cease and desist with all calls bu they keep calling me and harassing me. I do not have a contract with them, I do not owe this company anything as I never entered into any agreement with this company but yet they keep trying to get me to divulge my personal information to them by simply hiding behind " This is an attempt to collect a debt and information can be used to do so '' tactic. Any further attempt to call me or write me will be considered harassment and will be turned over to the State Attorney Generals office. Any attempt to harm my credit by placing a fraudulent collection on my credit will be met with swift legal action. Any attempt to force me to pay a debt, or settle a debt that is not owed to you by a legal, contractual obligation will be met with complaint after compliant being filed with the CFPB for every attempt that you use to call me from a fake phone number or to send me any illegal letter stating that I owe you something when I do not. A contractual agreement is between two people that acknowledge a financial obligation to pay a debt that is legally owed. I do not KNOW THIS FFAM company and have never dealt with them in any capacity and I want them to stop contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have written the loan servicer numerous times to provide verifiable validation of debt and to prove they are the rightful note holder. I have agreed to pay once this information is accurately provided. They have not responded properly with verifiable information which has led me to believe there is no note and they have committed mortgage fraud. 


Regards, Without Prejudice/ Without Recourse

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On Sunday XX/XX/ 2019, I was a victim of a scam through XXXX transaction. I corresponded with an individual with the intent to purchase basketball tickets posted on XXXX. The individual and I exchanged texts during which he asked for XXXX transaction to pay for the tickets. The scammer provided me with his email address after which I proceeded to transfer the funds ( {$250.00} USD ) over via online banking XXXX transaction. After the funds were received, he had completely stopped messaging and turned off his phone and the tickets were never emailed as promised. I'm a Bank of America Customer.

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 2018-10-08
Company: Access Financial LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A person by the name of XXXX keeps calling me at work every single day numerous times. 

Being very rude even when I told him to stop calling me at work and that I Can not get personal calls during business hours. 

He is very rude to my coworkers when they answer, and he said he did not care I am not allowed to get personal calls at work that he will keep calling. 

This debt is under a Debt Settlement Program and we are already working on this, but he keeps calling non stop.

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 2023-06-14
Company: EQUIFAX, INC.
State: TX
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 my complaint about being a victim of identity theft. You must remove any items that are opened without my knowledge, consent, or authority. Based on FCRA Section 605b, it is the responsibility of the XXXX credit bureaus to remove the fraudulent items on my credit file but they were unable to do it. Kindly comply with a written removal of these fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX ; XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-01
Company: EQUIFAX, INC.
State: OR
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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Early Warning Services, LLC
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hello I am a victim of identity theft. Someone opened an account with my name without permission. XXXX XXXX is reporting incorrect information on my file. I included this information as a debt on my bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: EQUIFAX, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with non-monetary relief