BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-04
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a longtime customer of Lowes and happen to open a store credit card several years ago. I began to notice that the Lowes Credit Card which is offered through Synchrony Bank was not honoring any of my large payments made in 2018. In fact Synchrony Bank continued to bill me each month even though I paid large sums of money in excess of over 30-50 % of the actual credit limit. Synchrony Bank also reduced a credit limit that was over {$3000.00} to {$1200.00} to make it look that my credit utilization ratio is high which has had a negative impact on my credit report. No bank has ever reduced my credit limit in fact my current XXXX XXXX Credit Card has a credit limit of over {$10000.00}. The following discriminatory practices are not a common practice of other banks. The following practices are meant to enslave and put Americans into deep financial distress. 

I have also noticed that Synchrony Bank has retaliated against me and closed my account without my authorization because they would not fix the account. The following discriminatory practices by Synchrony Bank will not be tolerated.

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 2023-12-30
Company: CITIBANK, N.A.
State: DE
Product: Credit 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:
My credit card was charged XXXX ( duplicate charge ) by XXXX XXXX hotel XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. I only stayed on XX/XX/XXXX. I first called on XXXX after the hotel did nothing to help. I have been calling Citibank every other week and they have not resolved my issue. I want the XXXX refunded to me. Citibank keeps telling me to wait.

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 2023-03-01
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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: Account information incorrect

Complaint:
During the process of us struggling making payments we had to do a forbearance on our loan due to loss of job during the pandemic. We eventually had to do a modification loan in order to keep our house. The credit bureau is showing late payments were made during the forbearance and modification process. 

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1881. 

This is inaccurate. Please remove these errors from Transunion, XXXX, and XXXX that shows we have been late. 

Account # : XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Account # XXXX  XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Account # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX. 


15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681C ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-11
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: Reporting company used your report improperly

Complaint:
I viewed my credit report from Transunion and I noticed there is a hard inquiry that does not have PERMISSIBLE PURPOSE to be on there. I filed a dispute with Transunion via mail that they recieved on XX/XX/2023, which they refused to help. I did not authorize anyone to pull or review my credit report. I have not given Transunion written permission to furnish this information and this a violation of 15 USC 1681b ( a ) ( 2 ). My consumer rights have been violated and this is hurting my ability to get approved and causing me distress.

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 2021-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
On XX/XX/2021, a purchase was made on our XXXX Account for a XXXX XXXX XXXX unlocked XXXX XXXX XXXX XXXX XXXX, XXXX. Neither I nor my husband made this purchase. We have since made several unsuccessful attempts to have Capital One remove this from our credit card statement, and we have refused to pay as this was a fraudulent purchase. To add insult to injury, we have since received correspondence from Capital One stating that the fraud investigation is resolved. This could not be further from the truth. Also, in the next letter sent to us, they falsely stated that we have agreed that the charge was actually valid. We never agreed to such a thing. 

We have since that time contacted XXXX, and they agreed that this was an unauthorized purchase on our account. Since that time, XXXX has reversed any modifications made by this party and disabled our account, prior to our updating the account with a new password. 

The charge for {$500.00} was not made by us or anyone that we know. We have always paid our bills in full and on time for the duration of our credit history and believe that Capital One is attempting to take advantage of an elderly couple without any recourse to their unwillingless to remove the charge and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: WELLS FARGO & COMPANY
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I applied for an online Wells Fargo Bank OFFER for a new checking account then they sent me an email that they couldn't verify my identity. They refused to open the account and live up to their offer. Which doesn't make sense since I have been in the credit bureaus since XXXX  plus, I have had both satisfactory checking and credit cards accounts with them over the years. I opened all of them on-line before. I used a phone # I had from an old account for XXXX XXXX XXXX XXXX new business explained my situation, but she says she couldn't help. Note their OFFER attachment on each page says open online. This TURN DOWN attachment says I could go into their branch, but their nearest branch is over XXXX miles of my home. Note the bank LOCATION attachment verifying this. They in application are not keeping their offer even though I qualify. They are being extremely disingenuous at the absolute best with their offer.

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 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2023-08-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Ocwen Financial Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They first contacted me by mail. Then the phone calls started coming in. I told them I didnt know what this debt was for & they told me I owed XXXX and had to pay. I told them I didnt have that money & the person I spoke to told me I had to make a payment. I started crying and they told me If I didnt want my credit to be hurt that I had to pay. I kept repeating myself and eventually told them to stop calling me but they kept calling. I blocked the number from my phone and they contacted me again through a different number. 
Ive reached out to Century 21 multiple times through phone and emails and have not received a response either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: U.S. BANCORP
State: IL
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:
US Bank issued Mastercard double charged me for one purchase on XX/XX/2020. They admit this was an error that they caused, but they still have not reimbursed me for the second charge.

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 2020-01-10
Company: Experian Information Solutions Inc.
State: TX
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: Problem getting your free annual credit report

Complaint:
I have tried to get my free annual credit score from Experian for the past two weeks, but I have been unsuccessful. I have tried to request the credit report online, by mail, and by phone, but none of these methods have been successful. Experian can not tell me why I can not access my credit score, nor can they fix it. Also, the customer service seems to have a habit of making promises they have no intention to keep. For example, after several hours on the phone, a service agent " escalated '' my case because she could not fix the problem. When I called the next day, still unable to get my credit score, the new agent told my that my case was marked as " resolved '' and closed. But nothing was fixed. Now I am on the phone with them again and they still do not know why they can not access my account. I haven't had any such problems with the other two credit reporting agencies. Experian is a highly dysfunctional organization that has no right holding so much power over regular citizens.

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 2023-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Problem lowering your monthly payments

Complaint:
I'm currently going through a financial hardship I have covid and my debts have been handed over to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Golden Title Loans LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
This is the 2nd complaint being filed. 745 Cash told my financial institution that they were working on refunding me back what they took out of my account. I have tried to contact 745 Cash several times to resolve and they will no longer return my phone calls. They have violated the Tennessee  Consumer Protection Act, as well as, The Fair Debt Collection Practices Act under Federal Law. 

They took money from an account that they had no authorization to take. I have requested the loan paperwork, signed check and audio recording where they claim I gave them permission to deduct {$480.00} from my checking account. They have not provided the below documentations under my requests, because they do not exist. They had my current debit card on file for future payments that I would authorize. I'm on their recording saying I would call back to make the payment, I did not give them permission to take money from my account at their leisure. They also nullified the original loan agreement by accepting the first {$50.00} payment on what was supposed to be a biweekly payment plan. They had no legal right to access my checking account that the payday loan was not originally affiliated with. 

Emails are attached where my financial institution states that they've spoken with a representative from 745 Cash and that 745 Cash was working on refunding me back. 

Again, I am requesting the following : *paperwork that shows that a payday loan was taken out on my XXXX XXXX XXXX account *the cancelled check from XXXX XXXX XXXX for which they assessed me a bounced check fee *the audio recording where I gave permission to deduct {$480.00} from my account, or the recording where I gave them permission to access my account at their leisure *Refunded back the amount that they were not authorized to take as well as the two overdraft charges ( {$36.00} each ) that they incurred, totaling {$520.00} In accordance with the Fair Debt Collections Practice Act, they are required to provide the above, failure to do so will result in further legal action.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs.

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 2020-01-10
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
.. Loan Care XXXX XXXX paid flood insurance XXXX. On XXXX they paid it again for XXXX. I was in the process of changing insurance. I had called and asked them not to pay it. So they pay it twice. When I received my Statement. for XXXX payment I called and asked why they paid the ins twice, they had no answer. But was told I needed to get the XXXX payments back from the insurance for my escrow account. So I called the insurance several times. They sent Loan care XXXX back on XXXX paid XXXX for XXXX payment. I was told If I paid XXXX it would clear the shortage, if not my payment would XXXX. I sent the check on XX/XX/2019. But had to pay the XXXX for XXXX. I called and talked many supervisors they all said I didn't send a check. Kept telling me I was short XXXX they did several account disclosure statements. And told me I was wrong. On XXXX I paidXXXX. I called a supervisor again, this time she told me to send copy of the check to resolution team. So I did, they told me would be resolved by XXXX. I called they said no nowXXXX. they were supposed to call me both times. I called on the XXXX Now the check is in a suspense account. there till XXXX XXXX payment XXXX. They wrote me XXXX letters told me how seriously they take this, but can not reach them, on XXXX XXXX and XXXXOffice closed never calls back. I want to know why they stressed me out, Where was my money, why mistakes on their responses 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to 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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
United States District Bankruptcy Court XXXX XXXX  Filed Filing Date XX/XX/XXXX XXXX XX/XX/XXXX Reference Number XXXX XX/XX/XXXX this bankruptcy came off my XXXX Credit report but is still on Transunion and XXXX. Please erase off these credit bureaus.

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 2023-03-26
Company: NCB Management Services Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have told company many times to quit calling me and have tried to dispute claim becuz I was not only person on the loan so I feel I should not be held responsible for the whole debt I also tried to negotiate the debt down but they would not work with me

Company response to consumer: Closed with explanation