BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I am a XXXX XXXX XXXX holder, however Synchrony has stated that I am NOT an XXXX holder, but XXXX says I am a XXXX XXXX holder, and that I have not points to redeem. 

I ask for technical support and have been told XXXX does not have technical support. I told the XXXX rep that not having technical support is alarming. 

Synchrony bank is not being transparent. Synchrony bank is not sending me notices and I am enrolled in XXXX statements. Synchrony bank can not help me, and sends me to XXXX. XXXX says that can help me. 

When I'm on the XXXX website, it shows I have XXXX points. It shows I have no account because there's no information on that site. I have to switch over to the Synchrony site. The synchrony site has no information, so I have to log onto each individual statement to see what my rewards balance is and those reward balances are fluctuating and I'm NOT able to access rewards points on either site from my phone or my laptop. 

The XXXX states Synchrony is responsible for handle the rewards points and responsible for the technical issues on the website. 

The Synchrony bank is billing for digital services, however there is no discloser on the statement identifying the service I am being charged for.

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 2023-04-04
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTOR IS CLAIMING I OWE THIS DEBT I HAVE NEVER HAD ANY ACCOUNTS WITH THIS DEBT COLLECTOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of 2023 I opened a Chime account. Then on XX/XX/2023 I received an email stating that my account had been closed. The reason was my account failed to comply with the terms of the Deposit Account Agreement. 
I had initiated two transfers from my XXXX XXXX checking account to my Chime checking account. One transfer for {$200.00} and one for {$5000.00}. I have been trying since that time to get Chime to refund my money. 
I have called their support number and have emailed them multiple times. I have sent verification with a copy of my drivers license, a copy of my passport, copies of the emails from Chime stating the transfers had been initiated. I also sent an email explaining the situation and a copy of my XXXX XXXX stating that show the two transfers being made. 
They have sent me emails stating that they are waiting for their processor to provide a tracking number. This was on XX/XX/XXXX and I still haven't received a check or a tracking number. I also received a ticket number XXXX. Now on XX/XX/XXXX I received another email stating that I needed to provide valid documents verifying that the deposits had been made. I have already done that with my bank statement several times. They also state that for security reasons, Chime is unable to share mor information about the account closure. Basically it is the same runaround that they have given me for over two months. I would like to know what I can do to get them to refund my money. I have attached the documents I have provided Chime. I really don't know what other documents I can provide to Chime.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09
Company: NATIONSTAR MORTGAGE LLC
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Nationstar Mortgage purchased my loan from XXXX XXXX and ever since the loan was taken over by them I have received numerous statements showing different amounts owed. My husband passed away XX/XX/XXXX and my XXXX was reduced by more than XXXX. I am on a fixed income and this has made it difficult to maintain all of my expenses because of the funeral expenses and I am now running XXXX payment behind on my mortgage with Nationstar. I applied for a loan modification to help bring my loan current in XX/XX/XXXX. I was denied in XXXX on the basis of not showing enough income to support a modification. When we contacted Nationstar to review the reason for denial and they stated that the underwriter based the decision on my net Social Security ( after medicare is deducted ) instead of on my gross income. When asked why I was reviewed based on net instead of gross, they stated that they review each loan differently and I could not be reviewed based on my gross income. We requested other workout options and they stated that I would have to wait XXXX months to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-01
Company: Experian Information Solutions Inc.
State: IL
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:
There is incorrect information on my credit report and I sent letters to the reporting agencies. I did everything I was supposed to and the FCRA consumer law said they are required to respond in 30 days in which they have not.

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 2020-01-21
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a phone call from a XXXX, Fl number this morning ; XXXX. The individual identified himself as " XXXX '' but I had trouble understanding what company he was calling for and what about. He said he was calling regarding a debt on my son, XXXX, from an urgent care visit back in XXXX ( believe he said XX/XX/2019 ). He said my street name and asked me, I guess for identification purposes, my street address. When he mentioned " the bill, '' I said that we'd already paid it. He said that is what he was calling about, that we could go ahead and take care of it over the phone today. Combined with me not understanding him ( phone connection did not sound clear ) and what he was saying or asking, I started to think this was a scam and told " XXXX '' that I would need to call back. He said " ok '' and they would be open until XXXX  tonight. I did a search online for the phone number and did not come up with anything other than one or 2 negative notes that it might be a scam. He also specifically mentioned that I have XXXX XXXX/XXXX  XXXX insurance.

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 2022-11-18
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: Information belongs to someone else

Complaint:
This is the 3rd request as Transunion is blatantly ignoring to remove these accounts directly related to Identity Theft after I repeatedly provide official FTC Identity Theft affadavits for all listed accounts. 

On XXXX I contacted Transunion and mailed numerous documents regarding me being a victim of Identity Theft and certain info that needs to be blocked and removed as a direct result of Identity Theft as shown in my credit report file XXXX XXXXXXXX. XXXX and XXXX complied, yet Transunion declined my request to block inaccurate info due to Identity Theft. With my request, I included the multiple FTC Reports that listed the specific accounts compromised, a detailed list of inaccurate info that should be blocked and removed immediately, a copy of FCRA 605 ( b ), and proof of identity documents such as my drivers license and SS card. Transunion sent me a letter dated XXXX refusing to honor such a request. Transunion never opened any investigation into these items whatsoever to even determine the validity. If they had, then they would have quickly seen I was a victim of Identity Theft and determined such accounts listed to be blocked and removed from reporting as they are the direct result of Identity Theft. 

I have always had so much trouble with Transunion as they pick and choose what laws to follow and when to open/close investigations if even done properly or at all.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently ordered a credit monitoring package that helps take unauthorized inquiries off my credit report, In addition to that, the report on this site, is inaccurate. 

First off there are excessive inquires that I did not authorize but are on my recent credit report. 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX  Commercial Banks XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXXXXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Personal Loan Companies XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion I do not recognize any of these shops except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The rest of this companies I do not recognize and did not give written, or oral consent to inquire and share it with reporting agencies.

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 2023-04-04
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2023, I took a deposit totaling {$2400.00} to US Bank. 
The teller incorrectly entered this deposit as {$3400.00}. 
My bank account was credited an extra {$1000.00} when it should not have been. 
Someone who wrote me a check has their bank account overdrawn because US Bank withdrew an extra {$1000.00} from their account. 
US Bank was notified by me of this error on XX/XX/XXXX ( the following day ). 
XXXX promised it would be corrected " as soon as they figured out how to fix it. '' Three business days later, nothing had changed. 
On XX/XX/XXXX, I spoke with XXXX at US Bank. He promised that it would be corrected by XX/XX/XXXX. It is now XX/XX/XXXX and it still has not been corrected. It is over a week that US Bank withdrew an extra {$1000.00} from someone's account illegally.

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 2015-06-15
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are trying to payoff the reverse mortgage on my deceased mother 's home. Champion reverse mortgage refuses to provide the payoff amount even though requested verbally on the phone and in writing by fax XXXX. They continually state they have not received a request although they have acknowledged other information in the same fax. 
We have verbally requested how to make the payment and wiring instructions for the payment and they outright refuse to provide the information. 
Champion is proceeding with foreclosure while refusing to allow us to pay the mortgage balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: EQUIFAX, INC.
State: GA
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have been in active bankruptcy since XXXX of 2021 XXXX XXXX Bank of America executed a bank levy on my accounts from a creditor attempting to circumvent the Bankruptcy Protections in place. 

Bank of America should be able to verify BK filings ( as they are readily available public records ) but they did not, they simply executed the request without doing due diligence. 

I have spent several hours now sending documents to B of A regarding this. 

From what I understand - B of A simply disregarded simple Bankruptcy provisions of protection. 

Beyond that - B of A has charged legal fees to my account which shouldn't have been charged given the above mentioned facts. 

I am glad to provide any documentation needed confirming my XXXX XXXXXXXX status.

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 2019-01-09
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX and XX/XX/XXXX money was taken out of my account without authorization. I called and was told that there was no way to revert the funds. This money was owed to me by an old employer and was going to be used to pay bills my husband had to pay while waiting on these funds. I had set up arrangements with Navy Fed who advised that I could call them back if I was unable to find employment. I am still unemployed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
OnXX/XX/2020 I contacted BBVA Compass for my mortgage payoff. 
I am in the process of refinancing and I was told that my payoff was XXXX. Loan documents we drawn and when the title company went to pay off the loan on XXXX they were told that the amount due was XXXX. In between the 2 dates I made my monthly payment of XXXX and a XXXX curtailment. Loan is 4 % and daily interest is just over XXXX dollars. 
We called BBVA and I have since contacted them over 15 times and spent close to 15 hours on the phone trying to get resolution. On XXXX my principal owed was XXXX. After a payment they are now saying my principal owed is XXXX. 
No one there can explain it and When I ask to speak to management or anyone capable of making a decision they tell me to be patient and that they are working on it. At this point I need resolution immediately or I will have to pay teh refi bank to redraw documents and pay title to sign again. BBVA has been evasive and aweful. They have told me that tehy would have an answer on 6 different occasions and no one from BBVA has ever reached out to me as they say they will. 
Please help becuase I'm getting no help at all from them

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
According to CFPB Ref No : XXXX, AMEX sent a request to delete the hard inquiries, dated XX/XX/2020, XX/XX/2020, and XX/XX/2020 in which CRAs must take less than 90 days since XX/XX/2020 to update my records. At the moment of filling the claim, XX/XX/2020, XXXX   still reports falsify information about these hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TCF NATIONAL BANK
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
So i was trying to open an account with another bank and it wouldn't let me so I requested my XXXX report and it said my account was closed for cause so I called TCF and they said I had no remaining balance that needed to be paid or anything so I was confused why it said closed for cause when I was the one who called and closed my account myself and they couldn't tell me why it says closed for cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a repo appearing on my credit report.The company had 15 days to resond to my letter and to provide the documentation I asked for. 

After 16 days I sent another letter to this time Experian informing them that XXXX XXXX had failed to provide me proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL And that they were required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Experian provided me with results of my dispute to show the trade line has only been updated and not removed. Experian did not provide me any supporting documents that were requested.

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 2023-06-26
Company: Affirm Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
XXXX XXXX I took a loan from Affirm to buy office equipment from XXXX . After paying off the loan Affirm continuously generates loans of XXXX cents sometimes XXXX cents. The problem is these loans show delinquent sometime 60 days past due. I usually call and they will remove it just to return in a day or two. I have asked them 9 times and now I am tired. This has led to multiple loan denials from Affirm the latest being XX/XX/XXXX XXXX XXXX ticket I purchased from XXXX, it was approved, and was told due to a delinquent account they can not fulfill the order, so I had to pay full cash for the ticket. 
I also receive constant threats of going to destroy my credit if I do not pay up, considering my history with the credit bureau it brings me great XXXX  and sleepless night, and trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: RateGenius Loan Services 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 see a hard inquiry from XXXX XXXX And from rate genius on credit report I don't apply for nothing

Company response to consumer: Closed with explanation