BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: SYNCHRONY FINANCIAL
State: VA
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:
This complaint is concerning my CareCredit account. When I had my account created in XXXX 2012 to deal with some emergency XXXX  work that needed to be done, I was not told about the specifics concerning the promotional period I was signed up for. When I asked for specifics, the staff, who explained how to use CareCredit to me orally, were quite unclear and could not explain it. 

Thus, I went into using the card without full knowledge of the deferred interest for promotional periods. I am still paying interest on this procedure, and the interest grows every 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 monetary relief
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, in XXXX, Kentucky, XXXX, denied my loan application based on erroneous information on my TransUnion credit report, then failed to respond or address concerns related to the loan resulting in several overdraft fees to my account. I would like to complain both against TransUnion for posting the erroneous information and XXXX for relying on it and not addressing the concern once they were alerted that it was erroneous. 

The information of my TransUnion reported was disputed and removed shortly as erroneous. However, without making any effort to contact me, XXXX denied my my small loan request ( {$500.00} ), and then failed to respond when I reported that the information on which they relied was erroneous and deleted. After I complained about the overdraft fees, however, XXXX called me and said they do not respond to messages sent after a loan is denied and I could simply apply again, which of course would damage my credit history.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: PA
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:
My ex opened accounts with out my knowledge or consent and made herself and authorized user all charges came from her cards stopped paying when things ended statute of limitations past in my state of Pennsylvania I honestly do think I should be held responsible

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is in reference to my Apple credit card. I asked Goldman Sachs to change either the statement closing date or the payment due date and they refused. They said '' that's just the way it is. '' The statements are printed on the first day of the month and the payments are due on the last day of the month. I do not recall being advised of this stringent policy when I applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: Santander Consumer USA 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: Account status incorrect

Complaint:
Santander is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by Santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
I contacted COAF directly to dispute the following unauthorized inquiries : Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX Coaf - XXXX XXXX, XXXX I was advised that since I did n't have an account with them they were unable to dispute the inquiries at hand. I also contacted XXXX who told me that without written information from Capital One Auto Finance that they could n't remove the inquiries either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I got noticed a collection was placed on my account by Enhanced Recovery located @ XXXX XXXX XXXX XXXX Florida XXXX phone number XXXX Now the debt they reported was inaccurate and they reported that I opened a XXXX    account on XX/XX/XXXX, however this debt is 7 years old on XX/XX/XXXX they intentionally reported old past due amount as new, collection accounts is considered a continuation of the orginal debt, I'm fully aware that it is a violation to do this and they sent this into XXXX  credit bureau knowing this is false and misleading information, I contacted the credit bureau and they agreed that this doubt is 7 years old and should not be reported. 
Debt due to fall of XX/XX/XXXX Placed on my credit on XX/XX/XXXX Date orginally opened on XX/XX/XXXX Collection company stated dated open XX/XX/XXXX Violation as this is falsefied information to be able to get it placed on my credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and 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 2020-02-26
Company: DISCOVER BANK
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:
2017 I opened my account with Discover Card service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
In XXXX, I purchased a brand new XXXX. I maintained my payments, although at the time I was a Jr in college struggling to work and complete my degree. I always kept a clear line of communication with things that were going on with my financial situation. for the most part they worked with me. After going through horrible natural disaster in the state of FL, and losing my job to one of the hurricanes I fell so back it was impossible to climb out of the hole. the vehicle was repossed in XXXX of XXXX. I have contacted the employer multiple ( twice a week to be exact ). The vehicle was sent to auction and i was supposed to be contacted by GM financial to know how much the balance was so i can began paying my balance to remove the loan off of my credit report. not i have a $ XXXX account that has an innaccurate balance and everytime I try to dispute that this information is incorect, they update it as if it is. the vehicle has been repossed, 5months later i am still out of the loop and GM fininacial refuses to give me updated information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have a dismissed chapter XXXX bankruptcy on my credit report which Equifax claimed was verified by The Bankruptcy Courts and I contacted the courts and they stated they do not provide infomation to the credit reporting agencies aIso I do not presently have a dismissed chapter XXXX bk in my XXXX XXXX. I forwarded Equifax a letter stating that the courts do not provide information to credit reporting bureaus be it through mail, email, phone or fax. The reporting date filed, reference number, closing date, and the courts name is not present which are alI over the place and it make no sense. I also sent them a letter disputing their verification method and that if it is not accurate the dismissed Chapter XXXX Bankruptcy should be removed. 
Chapter XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/2018 Reference # : XXXX Closing Date : XX/XX/2018 - Asset Amount : {$0.00} Court : Federal Liability : Exempt Amount : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
2017 I opened my account with XXXX XXXX service and my account after six months the paid in full trade line was mysteriously deleted from all credit reporting agencies without just case.

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 2018-01-18
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: Their investigation did not fix an error on your report

Complaint:
I tried to reach out to all three credit bureaus to remove the hard inquiries from my credit report XXXX Experian XXXX and XXXX but they refuse not to

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX of 2020 I called Fedloan servicing because I saw they had increased my principal balance by over {$4000.00} without telling me, warning me, or saying why. They also retroactively applied payments I had made months and years past towards this new amount as interest. I only figured it out on my own when comparing monthly statements they sent me. It WAS NOT interest capitalization they said when I reached out, but I knew that already because I had been making payments for years, and every month I paid extra and hit the interest accrued AND principal balance in my payment, and I was seeing both go down steadily. They, after several hours and several phone calls, could not tell me what it was from. They eventually said it COULD be from a previous loan that had gotten lost when transferred to fedloan from a previous servicer ... but Ive NEVER had a previous servicer besides fedloan for my federal loans. The last phone call I had with them in XXXX or so they said they would contact me when theyve finished their investigation but that still hasnt happened. If I hadnt of caught them doing this, they would have never even told me. This extra balance is still on my student loan, and one lady I spoke with at fedloan said she had seen something like this before on her end, but not only did she not have any answers for me, but she said the student whos account this was DIDNT EVEN KNOW IT WAS THERE. I dont mind paying something I owe, but to just increase my balance because of some error and then make me pay for it is insane. 
In the attachments youll notice that the billing statement total for principal balance, when added together, does NOT match what is listed on the second attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: AMERICAN EXPRESS COMPANY
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:
OnXX/XX/20 American exp has placed a false inquiry on my credit report that I did not initiate nor authorize I have reached out to them to this view on numerous occasions with no response. They are violating my rights and harming me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Pioneer credit was supposed to rehabilitate my loan last year in 2020. They instead tell me by phone to keep making payments. When I request information in writing they don't respond at all. I spoke today to XXXX and she said my file is in review. She said they don TV send letters. How is that legal?

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 2018-01-25
Company: M&T BANK CORPORATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Spoke with a representative on XX/XX/XXXX, was told I could still deposit funds to counteract overdraft. 
My account was negative by XXXX - Now a refund of the fee is being declined. 
I 'm supposed to pay XXXX for a XXXX mistake? 
This is why consumers hate banks.

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 2021-12-03
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I used to have XXXX Internet service about XXXX year ago. I cancelled the bad service for a better one. I called and spoke to a representative in order to cancel, once we were done I asked what I should do with the modem to which the representative told me I could either throw it away or return it but the modem was outdated and they no longer needed it. I just put it aside but did not throw it away. I am now being contacted by a debt collector for {$75.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, both my husband and I received offers on our American Express XXXX card accounts to earn bonus Starpoints by adding authorized users ( AUs ) to our cards. The offer stated that for each AU who spent at least {$1000.00} in 3 months, we would earn XXXX Starpoints, up to a maximum of XXXX points ( 4 AUs ). 

We both took advantage of the offer, added the AUs, and each of them spent at least {$1000.00} in well under 3 months. However, it 's now late XX/XX/XXXX, and we still have not received all of the Starpoints -- we each received only XXXX ( the bonus for one AU ), so we 're missing XXXX points each. As Starpoints are a very valuable points " currency, '' and not easy to earn, XXXX Starpoints is a pretty big deal. 

We 've contacted Amex multiple times about this, and even though Amex has confirmed ( multiple times ) that we did indeed earn the bonus points, they 've been stringing us along for MONTHS without posting the points. One customer service rep even tried to tell me that the offer was for just ONE authorized user and XXXX bonus points, but fortunately I had saved screen shots of the offer, which clearly says " up to XXXX points/4 authorized users. '' I also saved a conversation ( live chat ) that my husband had with Amex, in which they assured him that he HAD earned the points and that they would soon be posted. That was about two months ago : -/ Now we 've been told that Amex will " open an investigation '' -- which could take up to TWELVE WEEKS! -- into why the points have n't posted, which is just ridiculous : Amex OWNS the points, so all they have to do is post them to our accounts. 

We have a vacation planned for late XX/XX/XXXX/early XX/XX/XXXX, and I 'd love to be able to use the points to book our stays at XXXX hotels, but I ca n't commit to the hotel stays without the extra points we earned. I have even requested that XXXX intervene on our behalf to get Amex to release the points, although I 'm not sure that 's something they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card had 2 unauthorized charges and I called it in to wells fargo.  they gave me a claim number.  4 days later, the charges were taken out of my account.  I went to the branch and got a temporary card and was told that wells fargo treats their debit card holders like second class citizens as compared to the credit card holders.  They do not refund the debit card unauthorized charges for up to 10 business days.  Credit card holders are credited immediately.   When I questioned wells fargo about their treatment, they cited that there are 2 procedures for refunds.  This is wrong.Additionally, I was told that when I called and got a claim # that I should have been told to call the fraud people.  I was not told this.  They led me to believe that until I talked to them today, that nothing would happen to the credits til I called.  This is a lot of double-speak.They should treat debit cards and credit cards the same.

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 2021-12-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was reviewing my credit report and this account from XXXX XXXX XXXX, XXXX is unfamiliar to me. I don't know this account and I have filed an FTC report and I will attach it here.

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