BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-05
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Synchrony Bank sent a letter stating they are closing my account. Their decision is based on " activity on accounts with Synchrony Bank indicated of high risk of failure to pay. When I spoke to 2 associate and a supervisor they kept going around how they took my financial debt history and creditors and based on my history they feel that I won't be able to pay the Bank. I even told them, I understand that when I signed up the bank has the right to close my account if I am the consumer who is not paying the debt on time or abusing it. But I do pay my bills on time and more than what I owe. So I asked them to help me understand why they are labeling me as a high risk of failure to pay. I want the report a copy of the report they used on me. 

I told them that their study on me are wrong based on these factors and that they insulted me : 1. I am paying my bills on time and more than what the minimum fee requires. 
2. The Bank gave me 60 months to pay the debt with 0 % APR.

3. My account history has been good and no negative note or any late fee has been charged on me. 

When I asked for the report that they told me, they can not provide the report that I need to connect with CFPB. I asked for the information and they said that the letter gave detailed information. I said that is another lie as it only has the mailing address of CFPB. I knew the associate would say " XXXX '' the information. So I said : if this is a very detailed information then where is the website or phone numbers on this letter. This letter is not detailed at all. So I have to do my own research just to connect with CFPB. I asked them to send me a letter as they will report this information to the credit with a negative effect on me when it is not. Their " study '' data on me are false. My credit history are good and it's just this Synchrony Bank that is giving me the negative report when it is untrue

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 2022-01-19
Company: TRUIST FINANCIAL CORPORATION
State: TX
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:
On or about XX/XX/XXXX I called Truist to change my payment date to the XXXX of each month. On or about XX/XX/XXXX one of my cards credit limit was reduced to 10 % of the previous amount. 

I have not missed any payments, however on XX/XX/XXXX both of my credit card accounts were closed. I would like my accounts reopened and my credit limits re-established.

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 2018-04-24
Company: EQUIFAX, INC.
State: MO
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:
After reviewing my credit report there's misleading information that appears on there, more specifically an account that does not belong to me, it looks like this account was opened fraudulently on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have a bankruptcy that does not belong to me. I have tried to dispute and remove the bankruptcy with all three of the credit bureaus. They have told me the information has been verified. I have PROOF that the Bankruptcy Courts have not verified anything, and that this lawfully should be removed.

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 2023-06-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay. I kindly request that you thoroughly investigate this matter, acknowledge the error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Currently on my 4th servicer ( Shellpoint ) after defaulting on our Mortagage due to unexpected loss in income. Chapter XXXX Bankruptcy filed and discharge occurred in XX/XX/2017. Serviciing of the loan transferred to XXXX in XX/XX/2017 and the only 2 modification offers were not sustainable and would have resulted in another default. Very little contact lately with Shellpoint, but have made several calls to a XXXX XXXX to inquire about a Shellpoint IN-House-Modification program or a Principal Reduction Alternative. I was informed via a loss mitigation affiidavit from a XXXX XXXX that I was eligible for an In-house-modification. To date, I have not received a call back from XXXX XXXX regarding my inquiry and how to possibly apply. There is a new owner of the loan and I am hoping they would be receptive to a creative solution to our problem to avoid a foreclosure.Our financial situation is improving since the Bankruptcy which I feel should be taken into consideration in order to come up with an acceptable remedy besides a foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: EQUIFAX, INC.
State: FL
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 have attached an FTC report with a fraudulent account and fraudulent inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello, I have made a purchase from XXXX using my american express card. The item never arrived. There is a bogus signature from XXXX as proof that it arrived but it's not my signature, my name is spelled incorrectly. XXXX claimed there is a scan of my ID, but that's impossible because I did not receive the order and therefor never saw the driver and never gave my ID. I did not receive this item and American Express did not follow up with me as to why my claim was denied. I would like a re-investigation into this matter. If there is a scan of my ID, please show it to me because as of now the only thing shown to me was a XXXX XXXX with my name misspelled. I have also submitted to AMEX my response to XXXX claims and described how I did not receive the order. This is completely unfair and it puts me in a very awkward situation because now I don't trust my card moving forward. Please resolve this issue. I did not sign for this package, I did not receive it, and my ID could not have been scanned. The charge Date is XXXX XXXX, amound is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
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:
This is regarding my HSBC credit card account. When I checked my account on HSBCs website, I found online that several charges were on the account. I have not used the new card at all due to the previous issues. Further, per the balance transfer agreement and previous correspondence, attached, there should be no finance charges for the first 15 months. Also, there is a cash advance fee but no cash advance showing. 

On XX/XX/XXXX I contacted HSBC via chat and also on XX/XX/XXXX but so far, there has been no resolution. Please reverse the charges for XX/XX/XXXX forward. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In the beginning XX/XX/2020 I received a notification on my credit report of a collections debt from IC System. I didn't know what the debt was about because I did not receive any mail pertaining to this. I called and was told it was from XXXX  bill owed. I have never had a XXXX  account and know nothing of this debt. I proceeded to write a letter on XX/XX/XXXX and sent via certified mail to ask them to verify the debt and explained to them I do not have an account number because I was never given a letter. They wrote me back saying they needed an account number to verify the debt and that the account number can be found on their website. I was able to obtain the account number and sent another letter on XX/XX/XXXX with their letter and my original letter as requested by them via certified mail and again asked them to verify the debt within 30 days and if not to delete this off my credit. They received the letter on XX/XX/XXXX and to date I have not received a verification of the debt and it has not been removed from 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 explanation
Consumer complaint received 2018-04-05
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am an authorized party on the mortgage for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Their mortgage loan was with Wells Fargo until XX/XX/2018. Prior to that date, Wells Fargo approved a loan modification for XXXX and XXXX after they had made 3 required mortgage payments. Wells Fargo sent the Loan Modification papers which are dated XX/XX/XXXX and then sold the servicing of the loan to XXXX XXXX XXXX ( XXXX  ). I have called XXXX on five separate occasions to talk to them about the incorrect information they have in their system for XXXX and XXXX 's loan. The claim they have no record of me being authorized on the loan even though I faxed them the authorization along with power of attorney for both XXXX and XXXX, and the modification documents. After they stated they never received the fax, I emailed the documents. They claim they still don't have them and will not contact Wells Fargo to obtain the authorization. I have confirmation of receipt for both the fax and the email. Today when I called again to speak with someone and was told for the fifth time that I was not authorized I asked to speak with a supervisor. XXXX, the woman I spoke with said a supervisor would not be able to help me either. I told her I wanted to speak with a supervisor anyway. She transferred me to someone's voicemail. XXXX is violating the terms of the modification that was approved by Wells Fargo and also violating XXXX and XXXX 's authorization to allow me to handle their financial obligations. They are sending statements which have incorrect payment amounts and are also sending statements that XXXX and XXXX are past due, which is incorrect according to documentation received from Wells Fargo prior to the transfer of the loan. The XXXX loan number is XXXX The Wells Fargo loan number is 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 2018-04-05
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late? 
Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX XXXX # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from 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 2021-11-28
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a Citi credit card holder ( XXXX cards ) and have had numerous issues with the mobile app providing me with inaccurate information. In a nutshell, I make numerous payments an the app, which provides a Before Payment amount and After Payment amount. The following day, the actual amount is always different ( higher ) from the After Payment amount noted in the app. I have screen shots to support this. Citi insists that the app is working as designed and that pending payments may impact the actual balance. It is important to note that at NO TIME does the app display a message that the actual balance could be different. I started my complaint in XX/XX/XXXX via email to XXXX XXXX, XXXX XXXX. XXXX XXXX from the XXXX XXXX XXXX left me a voicemail on XX/XX/XXXX stating that he and a colleague did find the problem and that " indeed something odd going on within the actual algorithm or the coding behind that. '' I reached out many more times and no one would acknowledge the message about a coding error in the app. I requested a corrective payment again and rec 'd a response on XX/XX/XXXX that the app is working as designed and no corrective payment can be issued. Their response includes " we certainly regret any confusion regarding the voice message left by our representative on XX/XX/XXXX. We have forwarded the details of your request to our appropriate departments for potential future enhancement of this process which may include pending transactions in the future balance figure displayed as part of the payment flow. '' It is unconscionable that a a multinational investment bank and financial services corporation would feel that providing the consumer with an accurate balance after payment on the App is a " future enhancement. '' What?? I am a single mother of XXXX teenage daughters and I am trying to make ends meet. I made a large number of payments while prioritizing debt reduction only to find out that the data given by the bank through their own mobile app was inaccurate. Additionally, once the CEO 's colleague, XXXX XXXX, told me that they identified a problem with the algorithm/coding on the application, I felt relieved that they would finally make me whole. They have swept aside the comment about the coding error and the inaccurate information on the App displayed after payment. There could be thousands of other consumers who have been impacted by these XXXX issues.

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 2023-09-06
Company: Credit Karma, LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
CREDIT KARMA FROZE MY ACCOUNT ON XX/XX/2023 FOR MY SUPPOSED PROTECTION.

I GOT A EARLY DIRECT DEPOSIT ON XX/XX/23 IN THE AMOUNT OF XXXX {$56.00} I CALLED CREDIT KARMA ON THE XXXXTH BECAUSE MY CARD WASNT WORKING ONLY TO FIND OUT MY ACCOUT WAS FROZE. 

CREDIT KARMA TOLD ME I HAD TO WAIT FOR THEM TO CALL ME ABOUT THE FROZEN ACCOUNT. 

THEY REFUSE TO HELP ME WITH THIS AND ALSO REFUSE TO CONTACT ME INREGARD TO MY ACCOUNT. MY MONEY IS STILL TRAPPED IN THERE BANK AND THEY REFUSE TO RELEASE MY MONEY SO I CAN CUT OFF ANY BUSINESS I HAD WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have inquiries on my Transunion report that I did not make. I have tried several times to have them removed. I did not make these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: LDF Holdings, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a payday loan with XXXX XXXX XXXX. Interest rates are triple digit and usually at least, blatantly illegal in Maryland which is my state of domicile. The original loan amount taken was XXXX. I have repaid this amount through withdrawals from my checking account. Total payments to the company were for XXXX which is more than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: CORELOGIC 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:
I took at look at my credit report and someone ran my credit trying to get a home in my name. I never authorized this and had no purpose to get my credit for a home. I tried calling customer service department and disputing these inquiries and I wasnt able to get helped.

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 2023-09-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting 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, this company 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 an 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 2023-06-12
Company: ADP Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX ADP Compliance Solutions C/O Wisely stayed they have completed our investigation of my dispute Received on XX/XX/XXXX for the funds taking out my account for {$130.00} on XX/XX/XXXX and the other transaction of {$130.00} was added back on my wisely card the same day and for the second transaction they were stating there was no fraud or error and responded to quick and didn't do a proper investigation on my own my funds being taking out my account, I also filed with the federal trading commission and have a report number and haven't heard anything from them since about my case. The video of paperwork was a letter from the money that was put back on my wisely card that I no longer use, no paperwork on the other transaction but it's on my wisely card login statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17
Company: Experian Information Solutions Inc.
State: WA
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:
This is a copy of the letter sent to Experian less my very personal information they required for verification. 

XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Customer Complaint I have been billed to my Debit Account several times in the last 3 months following attempts to open my credit report for a bank inquiry. In no way was I trying to set up special pay for services. All I wanted was to release the lock on my account. 

Debit Transactions XXXX/XXXX/XXXX {$4.00} XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Charges {$55.00} I find this to be deceitful and unprofessional and do not accept these charges. Please credit my account the {$55.00}. I believe I have changed the account to a no fee based system. I was totally unaware of the " Pay For '' service, especially since I was attempting to unlock my credit report. I am copying the Better Business Bureau, My Congressman, and the Consumer Protection Agency. 

Sincerely, XXXX XXXX XXXX Cc : Better Business Bureau XXXX XXXX XXXX, XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX has been removed for this copy

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