BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-23
Company: SYNCHRONY FINANCIAL
State: CT
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:
Hello, On XX/XX/2019 while checking out at a XXXX XXXX  store located in XXXX, CT, I was asked if I would be interested in the store rewards card. Assuming this was just a card that accumulated points for purchases in store, I agreed. 

However, when the cashier began to ask me for my social security number, drivers license, etc. I asked why she needed that information. She replied it was necessary for the store rewards card. As I believed this to only be a store card I provided the requested information. 

At no point in this process did the cashier indicate in any way that this was a credit card application. If she had I would have immediately declined as I had no desire for another credit card. When she informed me that I had been approved I was flabbergasted and asked why she had not told me this was a credit card. Her response was that she had told me it was a store rewards card. 

As this was a Saturday ; I contacted the creditor, Synchrony Bank, on Monday, XX/XX/2019 to have them cancel this card and asked them to remove this inquiry from my credit report. The representative was helpful and cancelled the card and told me he would forward my request to have the inquiry removed. I emphatically told him that I was intentionally misled and not informed that this was a credit card application. He indicated he would provide that information. 

On XX/XX/2019 I received a response from Synchrony Bank, copy attached, in which they informed me that as I had provided the necessary information for their paperless credit card application they were not able to remove this credit inquiry. They went on to inform me that compliance is very important to them and they follow all applicable laws as outlined in the Fair Credit Reporting Act ( FCRA ). If that is so, then their employees should disclose to customers that they are applying for a CREDIT CARD and not a STORE REWARDS CARD. 

Additionally, they state in their letter to me that it was fully disclosed to me on the application that Synchrony Bank would access my credit file when processing my application. However, as this was a paperless application as they stated, how would I have known that? They clearly have contradicted themselves in this instance. 

As I was misled ; whether intentional or not ; this practice clearly is in violation of the FCRA in which a consumer needs to be fully informed of what they are applying for. Im sure I am not the only consumer that may have been impacted by this practice ; not only at this store. This may be their store practice to encourage their employees with incentives on accounts opened. 

I respectfully ask that this inquiry be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: A & S Collection Associates, Inc.
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a phone call on Tues XXXX XXXX XXXX at XXXX from a unknown number by guy named XXXX XXXX saying he has legal documentation that I have to sign for at my place of residence and/or employment under my name and social security number. The paperwork is pertaining to a claimant office is filling against me. He says he is advising me to call XXXX and here is your attactch case number. This same guy has also called My Dad at his residence on Tues XXXX XXXX, Weds XXXX XXXX and also called my brother at his place of residence XXXX XXXX and XXXX XXXX. He has call both of them numerious times and was very rude. He has also called me again on XXXX XXXX XXXX at XXXX for another message like the first one. He called again XXXX XXXX saying the same message.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-23
Company: United Acceptance Inc.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted today from an agency that threatened to press criminal charges against me for an auto loan that was included in a bankruptcy that I filed in XX/XX/XXXX. The call came from XXXX, and when I called them back, the automatic answering system announced the company as XXXX XXXX XXXX. 

I purchased a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX. They found me financing through United Acceptance. In XX/XX/XXXX, I allowed the car to get repossessed because it had too many problems for my to fix. XXXX XXXX had my current address at the time, and one of the neighbors told me that they saw a tow truck marked " not for hire '' tow it from my driveway. In XX/XX/XXXX, I filed a chapter XXXX bankruptcy, with XXXX. XXXX as the law firm. This debt was included in the bankruptcy and, while speaking with this law firm today, they assured me that this loan is included in that chapter XXXX. They recommended that I file a complaint with the appropriate government agency, which is this one. 

However, the company that called me today was insistent that this debt had dropped off the bankruptcy, and was now eligible for criminal proceedings. The man I talked to said that they were going to charge me with " intent to defraud a financial institution '' and one other charge that I couldn't quite get the gist of. He also mentioned felony theft. I called back a second time, after speaking with the chapter XXXX attorney, to speak with them again, and asked what specifically the charges were going to be, and they said that I would set that in the summons. This also sounded odd because, as I understand it, a summons won't be issued for a " felony theft '' crime. A warrant will be issued, and an officer will come to my house or work to take me to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Navient Solutions, LLC.
State: CA
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 have 12 student loans that are over 7 -10 years old with Navient. While starting my XXXX  career, It was recomended everytime I called about default concerns that I put them in forbearnce, which I complied with. About 3 years ago, I decided to accept an offer by XXXX to consolidate the loans, and I entered the income driven repayment plan and applied for the PSFL program, because I XXXX in a XXXX XXXX XXXX XXXX XXXX that qualifies for the 120 payment loan forgiveness program. I have made over 30 payments by autopay, and on my credit reports it indicates an excellent payment history for the past 3 years. When I consolidated and entered the program, I was told this would help my credit rating and it has not. The problem is that Navient still has the twelve loans that are 7-10 years old on my credit reports and they show paid with a XXXX   balance. Last year, I contacted Navient and requested that they remove the loans from my report since I consolidated, they are paid in full, and I have a good payment history with the income driven repayments for the past 3 years. They denied my request, and now all twelve loans indicate 1 payment 90 days late in 2016 and it is hurting my score. The late payments didn't show up until I requested that they remove the loans from my report. I couldn't have made a late payment, because I never made a sigle payment during all the years of forbearance and everytime I called, they thanked me and said " I showed a current forbearance status. '' Is Navient exempt from reporting loans that are over 7 years old?  My complaint is that I am working hard to pay on time for three years now, and Navient does not seem willing to help with my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Since 2016 I have been requesting Transunion to provide me with copies of all the documentation associated with XXXX XXXX # XXXX reported on my credit report including a copy of any viable evidence, bearing my signature showing me that account is bearing reported accurately. Despite the multiple letters asking him for those evidence, they only said that the investigations results was verified as accurate by the creditor. Tired by those answers I decided to send a letter directly to XXXX XXXX CL XXXX and for my surprise my mail being returned from the post office due to an invalid address .Same address that Transunion has in my credit report. So I sent a CL XXXX to Transunion, mention that my mail being returned from the post office due an invalid address. Given that the furnisher ( XXXX XXXX  ) has provided false information to Transunion about me, and provided Transunion with a false address demand that the item they are reporting be removed immediately. But Transunion went back to say that the information was accurate despite the evidence sent.

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 2020-01-16
Company: AMERICAN HONDA FINANCE CORP
State: CA
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:
HONDA FINANCIAL SERVICES REPORTED LATE PAYMENTS TO MY ACCOUNTS FOR THE MONTHS OF XX/XX/2019 AND XX/XX/2019 BUT THE ACCOUNT WAS NOT LATE. THERE WAS AN ERROR WITH THE PROCESSING OF THE PAYMENT THAT WAS NOT MY FAULT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: MD
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:
Bureau 's informed me of a mortgage that I'm unaware of. They refuse to remove that, the addresses, phone numbers and other inaccuracies on my file. 
XXXX  is the only bureau that granted me a freeze and fraud alert. 
Equifax and XXXX refuse to grant me a copy of my credit report. 
XXXX  and Equifax refuse to comply with granting a freeze of any sort. Its clearly fraud happening and I am trying to take control of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Due to been impacted by the Equifax Breach and The XXXX XXXX Breach I have and am currently requesting a removal of all 70 Inquires on my Credit Report stored by Equifax and If Equifax does not find these Inquires Unauthorized please provide proof of Investigation course that was taken to obtain this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: ENCORE CAPITAL GROUP 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 Midland Credit Management Account # XXXX, 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 
The company Stated " Please note that based on the information provided by the seller, WE have determined that our credit file, and the information being furnished for the above-referenced account, is accurate. WE will be closing our investigation of your dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act. 
I requested a proper investigation not internally by the company they will always find in favor of them selves. The investigation found to be flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: All State Credit Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX belongs to me somebody must have stole my identity it is damaging my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXXXXXX XXXX is reporting {$250.00} from XXXX XXXX XXXX on my Transunion report. I called them to find out more information about the debt and they told me the debt was no longer with their office. I asked them why they were still reporting it and immediately disputed with Transunion. I provided Transunion the phone number I called and the rep I spoke with. XXXX verified the debt AGAIN even tho they do not own it. I can not find out any info about this debt and want it removed from my report. This is so unfair. I called XXXX XXXX XXXX and they didnt show any debts for That amount either.

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 2021-05-07
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: Information belongs to someone else

Complaint:
This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by XXXX law to verify, through the physical verification of the original signed consumer contract, any and all accounts that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
My daughter ate my money order for my rent ... {$970.00}. I didnt give it to her directly ... she managed to open my wallet ... which is pretty skilled for a then XXXX  month old. Anyway, the place I purchased my money order from said they couldnt refund it. I did purchase another one because I had to pay my rent. Then I called Western Union. They said I had to fill out a form and pay them {$15.00} per money order to receive a refund- and the processing takes 30-60 days. Well that was 30 days ago and they are saying they didnt receive my paperwork- which included the damaged money order, the fee, and the refund request form. Ive asked to speak to several managers each time it ends up going to a dial tone. Ive talked to like 8 different people. I dont know what to do. Theyre not XXXX  accredited.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2019 Paid monthly payment of {$410.00} to One Main Financial. Charged {$400.00} Interest and Fees and {$7.00} principal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-23
Company: U.S. BANCORP
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX. XXXX XXXX had leased a car from U.S. Bank. The dealer XXXX XXXX XXXX XXXX Wi. He had the beginning stages of XXXX. This was done in XX/XX/XXXX. I went to the dealer and told them About XXXX and his beginning stages of XXXX. My daughter XXXX XXXX talked to the loan officer prior to the signing of the lease. When I went to the dealer they told me there was nothing they could do because it belong to the bank now. Because of his XXXX he was told by his neurologist not to drive. Basically he was paying the loan payment until XX/XX/XXXX that is when I decided to go to U.S. Bank with XXXX XXXX to have the vehicle changed into a loan. US Bank put the loan in my name. I continuously called the lease Company because the lease was never changed to my name when I signed the loan XX/XX/XXXX The leasing company out of U.S. Bank kept on telling me XXXX had to take out the loan. The loan could not be in my name. I was reassured that it could be changed to my name. In XX/XX/XXXX XXXX XXXX was charged a lease payment and I was charged a loan payment. After many calls they corrected this issue. The loan I signed for Had the wrong amount on it they had charge me double for taxes on the loan again I was calling about this issue US Bank told me they corrected the loan and XXXX XXXX was reimbursed for the lease payment. The title came as paid off in XXXX XXXX name I was told to take the title to the bank and there It sat for a month. I kept on checking DMV website to see if the title had been put in my name. It had not again I was making many calls. At the beginning of XX/XX/XXXX I was told it was taken care of and it would take 23 days still not in my name. I called again then they said it was sent in and it would take 13 days. Still the DMV had not received it. I have been calling and emailing the CEO and it was turned over to somebody else. Finally XX/XX/XXXX I was told it definitely had been sent to the DMV. The title is still not in my name with the DMV although I have been told it has been perfected. The problem is that I have been paying on the loan I have been paying the car insurance and the car has not been driven. I wanted to sell the car and now theyre at XXXX XXXX months have passed the value of the car has gone down significantly. I now owe more than what the car is worth. U.S. Bank just tells me that they corrected mistakes. I have told them How stressful this has been but they dont seem to care. The vehicle is a XXXX XXXX XXXX XXXX with XXXX miles. Again my name is XXXX XXXX from XXXX Wi I would like to be reimbursed for all the money I have been losing due to their incompetent. If US bank made a mistake on the loan which I did sign can they just called and change the loan amount.

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 2020-05-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On Thursday XX/XX/XXXX, I had contacted Macy 's credit card company to try and take care of a charged off account that I had with them. The rep stated that the account has past statutes of limitations, and that I could attempt to mail a payment in full ; however they couldn't confirm that it would do anything to the balance. I'd like to preface this complaint that I had no intentions of having this account ever go delinquent. We were faced with a really difficult family issue which consumed a good portion of our savings which was tragically followed by a loss of family income. We are trying everything we can to get back on our feet, and I was taken back that the rep had informed me that nothing can be done due to the account being past these statutes. I am concerned that I can not even try to work directly with Macy 's to satisfy the account.

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 2018-12-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Company Name : IQ Data Manager name as she stated. XXXX XXXX I had been working with an agent here in regards to the debt. Over time, she would call monthly to schedule a payment. There was a month, I was unable to make a payment, but I still was able to pay it when the company withdrew the funds out of my account unknowingly after I had communicated with them. I contacted the company about it and I was rudely disrespected by an agent who hung up the phone on me the first time. I was so shocked because I wasnt treated that way by the first agent. If this is all recorded, they should have proof. On XX/XX/XXXX, I I contacted the depth collector myself as I usually do discuss arrangements about paying my debt. I spoke with a young lady who later transferred me to a manager because I had a question. The initial first time in XX/XX/2018, I was rudely talked to buy one of the agents there. I was transferred to a manager and she apologize for the agent that was talking to me very rudely. The manager name XXXX XXXX came on the phone and again talked to me abruptly as well as cut me off. She rudely kept reminding me of what my debt was. She was being very overly excessively rude and it stressed me out to the point to where I do not want to deal with this debt collector or make a payment to Them because this is the second time I have experience this and he has cause me a lot of anxiety. If I didnt want to handle the debt. I wouldnt call them. If this is the way these debt treat human beings, I never want to deal with them period. Its quite disrespectful and degrading to speak to anyone in this manner.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation