BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Deferred Interest promotion with XXXX 's was not upfront about the way balance would be paid. Instead of the payments always going toward the first balance, they split the payments making it so the promotion would expire and you would acrue 28 % interest starting at the beginning of the loan. If you wanted to allocate a certain way then you would have to call them but verbiage makes it seem like you would only need to do that if you wanted to change the way it was being charged. We did not use the card for at least the first year so there was no reason the think that our budgeted payments would not be sufficient. Payments should be first in first paid unless requested otherwise, not " reallocate where we want unless you tell us otherwise ''. Statements are not intuitive and not transparent and XXXX 's employees were not clear. This is a shady practice that is meant to catch people off-guard instead of making the process comsumer friendly.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I need incorrect addresses to be removed from my credit report, please.

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 2020-07-05
Company: Navient Solutions, LLC.
State: IN
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 notified in XXXX that I was a co-signer on a student loan and that the loan was not being paid. I advised them that I had never co-signed for a loan and asked them to send me the documents. I made a police report for fraud and with the continued phone calls to get me to pay, I contacted an attorney. After 5 or 6 years of my attorney calling Navient and a lot of money, We were able to get 2 civil judgments in court against Navient advising them that the loan was product of fraud and unenforceable against me. Mt attorney sent Navient a letter informing them of this along with the copy of the 2 court orders/judgements. Navient disregarded the courts judgement and continued to pursue me for collection. I was notified by 6 different collection agencies and each time I advised them to contact my attorney that we had judgements from the court. The calls would stop from one agency and started with another until they finally stopped after a year or so. They still report this on my credit reports. It says I am years and years behind ( Late ) and late to the sum of over {$20000.00}. I filed a dispute with all 3 credit reporting agencies several times, including a copy of the court judgements.. I was told they contacted Navient, they advise its good debt, and it stays on my credit report. Navient has completely ignored the judge and his findings. The credit reporting agencies follow what Navient says and not the court. This has been going on since XXXX. I do not know who else to turn to. I have tried Lawyers and credit repair places trying to get this removed and have spent a great deal of money over the years to no avail. This has prevented me from obtaining credit at most places and purchasing items. I have a clear credit report with the exception of this. I pay my bills and my own student loans. Please find attached the letter from my former attorney that was sent to Navient and the 2 court orders/judgements. ** Please note Step 4 would not let me add XXXX. 
Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
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: Public record information inaccurate

Complaint:
The company never reported the account as being in collections/charge off status even after being awarded a garnishment in a judgement. 

The company never posted the payments from the garnishment and never closed the account. 

The company misreported the status purposefully even after it was brought their attention and the company charged more than what was stated in the judgment. 

This company has held my credit hostage for over a year even after full repayment. 

Never ever get a loan from XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Contacted by TSI ( https : //www.tsico.com/ ) XX/XX/19 @ XXXX ( XXXX XXXX -A female asked to speak with XXXX XXXX. Without confirming my first and last name I asked " who am I speaking with ''. The agent responded with her first and last name. I asked " what company are you with '' and she disclosed her company name as well as the Original Creditor for the debt in question. 
-Mini-Miranda is a legal warning debt collectors are required to use at the beginning of communications with consumers, both written and oral. ... The purpose of the communication is to collect a debt. Any information disclosed by the consumer will be used to collect the debt. < -- This was not said. Please pull the recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Barclay 's, the bank behind my XXXX Mastercard, promises three months of payment waivers due to Covid 19. 
I was enrolled in this in XXXX. However, due to them not responding to my queries regarding, my XX/XX/XXXX payment of {$29.00} went through. I also paid the same amount in XXXX while I still had funds. 
I did not pay my {$29.00} minimum required in XXXX and XXXX. At this time, funds were running out for me. 
As I only got to skip two payments, I contacted them this week for confirmation that despite the norm ( skipping XXXX, XXXX and XXXX payments ) in my case I would be able to skip XXXX, XXXX and XXXX. 
What was very strongly implied when I spoke to a representative from Barclays last night was that, because I was enrolled in XXXX and then paid in XXXX, I would only be able to skip two payments. 
What IS written is that the payments must be consecutive as mine would be. Nowhere does it say that it must be certain months only. 
All I am asking is that I get to waive the promised three payments ( in my case XXXX, XXXX and XXXX ). So I want to skip my third payment in XXXX as offered to me according to their provisions for Covid 19 relief. 
I hope you will see what I do ( and they do not ) that this is unfair and not keeping with supposed help they extend to their impacted customers during this difficult time.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquires, were not submitted by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have a Citibank AAdvantage gold card that the citibank just arbitrarily switched to another account. My present card was declined yesterday and when I called citibank to discuss this entering the last 4 numbers of my card, they could not find my present account. I have many accounts that are payed automatically and this is a real pain to have to switch payment info, one of which is my supplemental policy for medicare. When I ask why the card was switched, I was told that it was done automatically which I did not want done. When I ask for the telephone number of XXXX XXXX, chief risk officer, I was told it was restricted. The new card is being overnighted to me ( have not received as yet ). This is a TERRIBLE practice costing me time and considerable angst. I feel abused as a customer and want Citibank to not do this in the future.

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 2019-05-30
Company: EQUIFAX, INC.
State: AR
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:
This issue is an existing problem which credit bureaus wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had some XXXX XXXX XXXX charges which I did not order on DISCOVER card. XXXX agreed and started giving credits. Although credits were coming, I had paid full payment due as it was set up for autopay. Upon complaining they returned {$350.00} check. Now again they issued credit and sk me back {$350.00} when I have hardly used the card. Their security department just keeps sending me statements- ( see attached ) which do not make sense. 

I think card balance should be XXXX as I have paid for those services which I did not order from XXXX and DISCOVER issued me check. Whether credit comes from XXXX or DIScover later is not my concern. Why make me pay again and nullify credit? Second issue is of Inmotionhosting dispute- which you can find I addresed in attached letter to DISCOVER. Please write to me at XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-05
Company: DISCOVER BANK
State: KS
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 writing to file a formal complaint about Discover 's payment process. I am attaching a screen print of their system for your records. 

As you can see, my payment is due on XXXX. The payment was already made for the month several days ago. I prefer to schedule my payments about 30-45 days ahead of time and prior to the due date. The account has always been paid on time.

Discover 's system will not allow users to schedule payments following the due date on the account regardless if the minimum payment due has already been made for the month. We have numerous credit cards and none of the other lenders handle payment processing this way.

Customers should be able to schedule their payments whenever they want. Discover should not block the customer 's online ability to make payments ahead of time regardless of whether the minimum payment due has already been made, although it is obviously more ridiculous to not allow a customer to schedule a payment in the future for the following billing cycle if the account isn't even past due. Manipulating their payment system to block customers from scheduling payments has all types of implications, including extra daily interest if the customer can't schedule on the day he or she wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TD BANK US HOLDING COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Noticed unusual fraudulent charges on account. reported to bank and cancelled card, filed police report and requested investigation for the dates and amounts as listed below totaling XXXX. 

XXXX/XXXX/19 {$880.00} XXXX/XXXX/19 {$930.00} XXXX/XXXX/19 {$890.00} XXXX/XXXX/19 {$840.00} XXXX/XXXX/19 {$830.00} XXXX/XXXX/19 {$940.00} XXXX/XXXX/19 {$880.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$810.00} XXXX/XXXX/19 {$940.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$900.00} XXXX/XXXX/19 {$870.00} Received notice from bank that due to prior business conducted with vendor ( XXXX XXXX ) the request to dismiss charges was denied. I did not make these purchases and have no knowledge of the locations the purchases were allegedly charged at. I have never been to the locations for the vendor including XXXX XXXX, New Jersey and XXXX NY. I was informed by T.D bank dispute claims department that no fraudulent activity was noted on account due to prior history shopping with vendor. I have never spent over {$50.00} within the past few months and don't understand how this happened. It has caused severe emotional, financial and physical duress/distress and would appreciate a full investigation on this case. 

Police report number XXXX has been filed and I can provide further documentation if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There are several personal information that are very old on all three credit report agencies that I have written letters to to have these information removed and/or updated to which responses have been sent back to me indicating that these information were removed. The following year once I've requested a new report I then see that the same old information reappears on the report. Particularly XXXX  has several times failed to verify my identity while I made attempts to apply for credit due to their systems still containing old information that I could not confirm/verify during phone calls. 

Any help in having this issue rectified would be greatly appreciated. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have asked XXXX XXXX on multiple occasions to stop calling my work cell phone. I get repeated calls from different numbers all over the United States and every time it is XX/XX/XXXX. Instead of stating who they are and they ask is this My name and put me on hold then attempt to coerce me into paying on the spot. I have tons of customers calling me on my cell phone as I am a XXXX XXXX yet half the time I answer it is Midland. This morning XX/XX/XXXX they called at XXXX XXXX as well as yesterday at XXXX XXXX. I have been working nights to help cover for XXXX at work. They woke me up this morning as soon as I went to sleep. This is repetitive and abusive and I believe falls against debtors protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16
Company: Credit Karma, LLC
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023, Credit Karma closed my Money Savings Account due to contact information not being updated ( No communication asking to update my address no emails but I did try to update it multiple times and it was denied ) and claims they tried sending the money to my bank that is connected to the account for transfers that I used previously for adding to the account. On XX/XX/XXXX they sent a check to my old address. There was zero communication regarding my account closer or the supposed issue with the bank " reversing '' the money being sent. I contacted my bank XXXX XXXX and there were no attempted deposits from Credit Karma. I reached out to Credit Karma XX/XX/XXXX and found there was no customer service phone number but chats that were continuing to get disconnected. I reached out with my email on the account and received a response hours later. I provided Credit Karma with my Driver 's license, SSN card and two pieces of mail to verify it was my money. I have been told they sent it to a higher department and there is no timeline on when I will hear back. I asked regarding the check that was sent to my old address multiple times and was given an unclear response not knowing if it was cashed or canceled like I asked. I have not heard from them in 3 days and I have been told to wait. I have almost {$10000.00} in this account and I am afraid they will not release the funds. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2017-12-21
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: Account information incorrect

Complaint:
Equifax has a charge off showing on my credit file on my XXXX XXXX account and there was no charge off Equifax had an outstanding amount showing now its a charge off showing and there was no charge off by XXXX XXXX I have provided a letter from XXXX XXXX once again its like Equifax wants to delete or update things one step by one step. I 'm also filing a FTC complaint to Equifax issues and wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX-VIN # XXXX This vehicle was repossessed by XXXX XXXX and sold on or about XX/XX/XXXX. 
Under the laws of the state of NJ ucc9.506 and state RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure times were adhered to.Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the vehicle. If no proof is provided any continued collection or reporting on my credit reports will be considered a violation of theFDCPA and FCRA.

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 2019-05-30
Company: Experian Information Solutions 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:
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : 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 2020-07-05
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:
I paid off a debt to XXXX XXXX XXXX but still shows on my credit report and XXXX  XXXX CC however my score should be much higher and I have over 66 months on time payment history and my CS should be higher I have different scores with XXXX XXXX and XXXX but with Experian its very low and I want to know WHY!!!! This is my problem and Im not going to play the XXXX XXXX but this looks very fishy to me.

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