BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: SYNCHRONY FINANCIAL
State: HI
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:
I received a telemarketing call for walmart Mastercard at XXXX XXXX XXXX XXXX. I believe telemarketers have times in which they can call. It was very annoying and the caller hung up when I answered in a very sleepy voice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
On XXXX XXXX, 2017 I called my credit card to ask them of they can settle my account at a lower amount that is owed because of some financial hardship. I spoke with the initial lady and she just kept telling me because I was being by one payment they were not able to help me at this time. So I asked to speak with a supervisor and the gentleman that answered said the same thing. He did not want to help me at all with my financial situation when XXXX told him I can settle now at at lower amount due but he did not want to help the situation. I also cancel this card already, I just want to be done with it and the way it 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 2023-05-23
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2018-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
We brought a XXXX XXXX from XXXX XXXX XXXX we did not know so many hard copies to different credit companies would be counted against us. Each one of the inquires since to be counting against me and helping to lower my credit score. 
1.XXXX XXXX Inquiry : XX/XX/XXXX 2. XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 3.XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX 4. XXXX XXXX XXXX Inquiry : XX/XX/XXXX 5. XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing ( XXXX ) XXXX These were send in by one company. 
XXXX gives you a 30-day grace period before certain loan inquiries are reflected in your XXXX credit scores. And XXXX may record multiple inquires for the same type of loan as a single inquiry as long as theyre made within a certain window. For XXXX scores calculated from older versions of the scoring formula, this window is 14 days ; for XXXX scores calculated from the newest versions of the scoring formula, its 45 days. 
These two are the same company that finance my car why would they be counted as two : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing Contact the inquirer : MAIL ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: DISCOVER BANK
State: TX
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:
I took my car to XXXX for repairs. The original estimate was $ 400+ when it was time to pick up my car it had changed to {$1400.00}. XXXX claims they made those repairs without my permission and expected payment. Well things escalated, police were involved and I was told we had to resolve on our own or the DA ( district attorney ) would have to decide if charges would be filed against me. Not wanting to face the possibility of jail, I used my discover card and signed under duress which I noted on every page my signature was required including my receipt. I disputed it with Discover but was told that because the company submitted reasons for the charges they sided with the company. My issue is that XXXX didnt do the repairs as indicated and fraudulently charged us without making the repairs on the invoice. I dont believe Discover reviewed my case correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company have three times I paid on time my bill and they state the information that was entered was incorrect days later. The company had refused to provide proof to show that the information incorrect. Have charged me fee told me multiple times that they have removed them now they are harassing me at work even though I had always paid my bill on time. The company push to have you set up automatic payment and it seem to be the only way to prevent this from happening. The company would pull the money three to five days before the due date which had caused problems.

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 2018-04-03
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a new checking account at Flagstar Bank in XXXX XXXX, MI, then a week later, a XXXX XXXX there called me and demanded that I go down to the Social Security Admin and get a letter from them stating that my SSA Card that I had given them was indeed mine. She stated that Date-of-Births are printed on cards now and that my replacement card with a recent date can not be correct. But DOB 's are not on cards, however since 2007, the date of issue is printed on the card. She changed her story again and again, then said XXXX XXXX   had flagged me and that they wanted more proof of who I am. So, in 35 degree weather, this XXXX & XXXX Veteran went out to catch the bus to go down there and then get a number and wait in line for an hour. I explained the story to the clerk and in a surprise, he did furnish me a letter, but said that management would call XXXX XXXX XXXX  as the SSA is not to be used this way. I got wet & was exhausted and then emailed it to XXXX, but she did not reply even after 4 hours. What's this all about - some kind of joke? I signed up for the {$250.00} bonus for opening a new account. Banks advertise these things. Are banks now trying to entrap folks for answering the ad? Have I signed up for too many? Each institution limits the bonuses to 1 per year. This seems abusive and further explanation should be forthcoming.

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 2019-08-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax has placed my account with their Consumer Affairs Dept. which have declined me the ability to view their credit file on me in real-time via any and all credit monitoring service, including their own website.This has proven detrimental to my ability to damper or eliminate any fraudulent use or activity with my credit file.I am only able to view a copy of my file with them when I'm able to phone the Consumer Affairs Dept directly and this usually requires being directed to several depts. going thru a redundant amount of security questions again and again which averages 20mins or more each call. Once I can speak to someone they are very restricted to what they can tell me and always say that I will have to wait until they mail me out a copy of my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the SBA they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to XXXX XXXX and Experian and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the SBA inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.

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 2019-08-14
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original debt was {$2900.00} no interest charged have bills from XXXX XXXX dated XXXX/XXXX/2018 Collection company bill dated XX/XX//2018 showing principal {$4900.00} interest {$150.00} total due {$5100.00} reported to my credit report I disputed it but nothing was changed I don't know how the principal amount due went from {$2900.00} to {$4900.00} in one day of it arriving in collections. I have attached the bills so it is clear that something is not right I am not understanding how now it is {$2000.00} above what was originally owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the SBA they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to XXXX, Equifax and XXXX and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the SBA inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: Santander Consumer USA Holdings Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
when i first started financing the vehicle on XX/XX/2017 it was financed through santander consumer USA which my interest rat was 22 percent but i got a call from young blood XXXX where i bought the car they said the loan was sold to XXXX XXXX with a lower interest rate but when i looked at the paperwork it was 4 percent higher making it 26 percent making my payment almost nearly impossible to make on a loan that was XXXX XXXX dollars changing the total repayment after 72 months to XXXX XXXX instead of the XXXX XXXX i had initially signed for and I know they are the same business so i call and ask why they would not give me a straight answer then the car broke down and i had extended warranties and gap insurance also mechanical breakdown purchased from the loan company they denied to fix the car. i told them i would continue making payments it would just be about a month before i can get it fixed because it was almost XXXX bucks to fix a week went by and the dealership called XXXX XXXX  and told them to come reposes the car because i had abandoned it witch i had not i was in there every other day to check on it. all in all i believe this is violation of the truth in lending act and very wrong of them to trick me like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent multiple letters in which most was notarize. I was ignored and bluntly disrespected as a consumer. I have been inquiring about this information over and over for months and months this is hindering me from buying a property. The credit bureaus don't care. I made multiple phone calls trying to get someone to give me a clear understanding but I eventually will get hung up on. It's very disturbing trying to get things done when these companies are acting like this. This is a on going process and I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/2021, I noticed my credit score decreased by XXXX  points, due to inaccruate reporting by Synchrony Bank. During the pandemic I have been trying to make payment arrangements with credit card companies to preserve my credit as we all try to come out of this worldwide life changing event. Synchrony Bank mislead me when offering a solution to assist with my financial hardship during the pandemic. Under the offered arrangement my credit card account would be closed, the account would show as current and I would have a reduce monthly payment. I was also told I would not have any derogartory reporting to the credit bureaus. Synchrony Bank reported to the credit bureaus I missed a payment within a time frame of 30/60/90 days. I called Synchrony on XX/XX/XXXX for clarity as I have been working to keep current on all my financial obligations as best I can, however aware of the arrangement I entered into with Synchrony I was under the impression I had some time to catch up as the arrangement was presented by Synchrony Bank ; to be designed to help cardholders keep their credit intact, during this difficult financial time we all are experiencing. The supervisor I spoke with at Synchrony stated my account was 3 payments delinquent, then stated my account was 42 days delinquent, & another time during the conversation stated the account was 72 days delinquent. It is evident Synchrony Bank is mismanaging my account and incorrectly reporting damaging information to the credit bureaus, which has/can/will have a lasting effect on my life long after the pandemic is over. This is completely unfair for Synchrony to be inaccurately report to the bureaus during the pandemic or at any time and furthermore to completely disregard the arrangement Synchrony Bank offered its cardholders to assist during the pandemic.

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 2023-02-13
Company: HUNTINGTON NATIONAL BANK, THE
State: WV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I closed on a Home Equity Line of Credit ( HELOC ) with a {$70000.00} limit with Huntington Bank on XX/XX/XXXX. I have never had a balance against this HELOC. The balance has always been {$0.00} ( zero dollars ). 
The next month I received a payment statement with a {$40000.00} balance. A payment of over {$300.00} was due. 
Immediately realizing this was a mistake, I called the toll free number on my monthly statement. The person I spoke with told me I had to go to a local Huntington Bank Branch to take care of the problem. I told them I applied for this HELOC online through Lending Tree and that there is not a Huntington Bank branch anywhere near the town I live in. 
I had to look up a Huntington Bank branch number in XXXX, WV. I called them and after XXXX or XXXX days the branch in XXXX told me everything was taken care of and there was never should have been a balance and never a payment due. 
The next month I get another statement charging me interest. Again. I called and this time the person on the phone from the toll free number on monthly statement read my notes. Put me on hold and came back to tell me everything was once again taken care of. 
Today, XX/XX/XXXX I received another letter from Huntington Bank. Charging interest when there never was a balance. 
I spent an hour on the phone with Huntington Bank today. Total time dealing with their error is going on four hours. 
My credit is getting ruined due to Huntington Bank 's error. 
Please help XXXX XXXX cell XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-26
Company: Tri-State Adjustments, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a bill for Oxygen which the hospital ordered from a company who does not accept XXXX. I called XXXX, did an Appeal. XXXX worked with the Company, XXXX XXXX XXXX XXXX, which refused the XXXX amount,. XXXX sent me the check, I endorsed the back and put Pay to the Order of XXXX XXXX XXXX XXXX, per XXXX, and they cashed it. That claim is dated XX/XX/XXXX. Then XXXX reevaluated the claim and sent me a Summary on XX/XX/XXXX stating they denied all claims, paid nothing and I can't be billed anything. I have all these documents. Then XXXX again reevaluated because they accepted the XXXX check and said they should now bill my XXXX. But they can not bill me because of my Insurance. I have XXXX XXXX & XXXX XXXX due to XXXX  XXXX for XXXX XXXX. I have no deductibles, no out of pocket, co copays. Been that way since XXXX and the hospital knows that and I did not order the Oxygen or sign except for delivery. I have written to XXXX XXXX XXXX and to the Collection Agency who has threatened to put a Court Order on my Social Security which is my only income. I am XXXX XXXX XXXX. This I have done 3 times, this last time asking them to bill XXXX and sending the information to do that. I also asked for a Hardship Form which I was denied. XXXX gave me this site to report to you.. I am now getting phone calls from Tri State Adjustment , Inc. I got the first bill from the Equipment Company 2 days after I was released from the hospital and I had them come pick up the equipment the next day because I did not order it. I was told I could not go home without it, but the hospital should have ordered from a Company that takes XXXX XXXX XXXX. It took me longer to get over XXXX without the Oxygen, but I could not pay for it. Nor should I have to since XXXX and XXXX has always covered me. I have checked with my bank and they assure me that no creditor can attach my Social Security. I have no bills at all, I budget closely and I have no debt. Please help get them off my back. Stress with my health is not a good thing for me. And Thank 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 explanation
Consumer complaint received 2019-08-14
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When contacted by phone, explained to the debt collector we do not own the company that they have listed as the debt being owed. The company listed was sold by my in laws eighteen years ago to a man named XXXX. That is all I know. I asked them to please remove me from their phone calls and letters as this debt is not my husbands or mine. This debt is from XXXX to the company XXXX XXXX XXXX XXXX XXXX. My husband and father in law have the same first and last name, different middle name, different social, different address, My father in law passed away three years ago after selling this company eighteen years ago to a man whom I only know as XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation