BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-08
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a J C Penney account. My last XXXX orders have been cancelled without any explanation. I have called to speak to them and now I have been given or transferred to XXXX different XXXX numbers all with XXXX speaking people who have not answered my questions. I was told with each I would be able to do a survey on the call and was never given a chance to do the surveys. I would like an answer. I tried to call another number which was given to me by the .com number to my credit card company, this number was actually the first number I had called. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days I haven't received any investigation results, I was victim of identity theft and I filed a compliant with the FTC File # XXXX, I did not give authorization to following companies to review my report : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The above inquiries are unauthorized by me and are 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 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I notice when I was checking my credit today inquiries that was removed in XXXX has been replaced back in my report with consent.

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 2021-03-18
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX I spoke to Flagstar Bank about my acct # XXXX XXXX XXXX XXXX XXXX, tx XXXX XXXX XXXX XXXX. Due to COVD I could not make my payment, they placed me in forbearance. Since XX/XX/XXXX I receive a call from XXXX XXXX XXXX every month, to the present XX/XX/XXXX was the recent call. Stating this is an attempt to collect a debt, I ask why are you asking me to make a payment in my forbearance? They say they can call to ask for my status, can I pay. I have emailed HUD to get help with a standalone partial. However they tell me Flagstar would be the one to start my application. I want the harrassing calls from the debt collector to stop. They do not offer any help with anything, except asking for payment.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2016-07-18
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Never even applied for anything at Conn Credit Corp.If this is Conn 's store.I have never purchased anything there.Never even been to XXXX, Tx in the years of 2011 until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with XXXX XXXX. I used Zelle to purchase a puppy on XX/XX/2022 .These people had a website online and it looked legit. They began texting me and seemed very professional and asked me to send them money for the puppy I wanted. I was hesitant but was told after they received payment I would receive a sales contract and details about when I would receive the puppy. As soon as I sent money they began acting shady. They stopped replying to my messages then replied a couple hours later stating they became busy and that I would receive my sales contract shortly. I then just asked them to cancel my purchase and that I wanted my money back. I called my bank that same day... only hours after the transaction through Zelle to report it. They entered a dispute to Zelle and was denied my money back. Much later that evening they sent a bunk sales contract. It had wrong dates on it and even since haven't received my money back or a puppy.I since have been contacting the person that stole my money which was in the amount of {$710.00} dollars and they have made threats to me. I will be going to the police about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
In XXXX of last year I opened a new account with a requisite {$50000.00} to take advantage of the promotion that the customer service person mentioned to me ( while I was in the bank on another matter ). I did open a new account and brought {$50000.00} 'new ' money into it ( broke it out of another very good paying interest account with a credit union ) .The promotion indicated that I would receive a bonus {$400.00} after three months of 'new ' money in a new account. 
In XXXX of this year I called customer service asking when that bonus would be available, having left the deposit untouched since XXXX. I was told ( by a very pleasant gentleman, XXXX ) that it appeared that my account had been deposited into another promotion that was running simultaneously and that would yield additional interest, but no {$400.00} bonus. I told him that I had even confirmed this bonus program with the ad in the local newspaper and XXXX said that of course Citi would make good on its commitment and I would receive the bonus. He said that he had spoken with his supervisor and that person would call me within the hour. No one called. 
In the morning, I received a SECURE message. XXXX that needed a special password to open - no password was sent to me. So I called again and spoke with another very pleasant gentleman, XXXX. XXXX researched my situation and again confirmed that Citi would make good on the commitment. The secure message indicated that I would receive {$23.00} as additional interest, but no bonus. XXXX actually deposited the remaining {$370.00} to my account to make the {$400.00} bonus. I was very pleased. 
The next morning I received yet another SECURE message, this XXXX indicated that the original {$23.00} was correct and then the {$370.00} was whisked out of my account. I called back very disappointed, spoke to several people in the XXXX XXXX call center until I finally got back to XXXX. He said that he had exhausted all of his avenues and I would need to go to the branch where I originally made the transaction and speak with them. 
I did that - the manager is no longer there, the customer service representative is no longer there. The representative that tried to help me was told that there were XXXX promotions going on at the same time and I was enrolled in the extra interest XXXX, not the bonus XXXX ( heard that from both XXXX and XXXX ). Note that I was unaware of the extra interest promotion at the time I was told to bring in new money for the bonus promotion. All of the people I spoke with told me that Citi would correct the error and make good on the commitment - although not XXXX has been able to do so.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
The following XXXX department store credit issue by Walmart and JC Penny do not apply monthly payments to the highest interest bearing transactions. 
I have promotional rate transactions for both cards that are differed interest and each month they try and pay down my differed interest. 
I have to call them every month and request my payment only be applied to my interest bearing transactions.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong 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
Consumer complaint received 2017-04-29
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:
On  X/XX/17   , I went to  XXXX   XXXX , unfortunately, during a service on my car, and spoke to  XXXX   XXXX , a manager in the sales department. I told him that I was not going to buy a car on that day, but he said that he would have to run an " inquiry '' into my credit, but to be rest-assured, it would not affect my credit. My  credit score  was  XXXX  before  XXXX   XXXX  lied to me and then went down after the inquiry to  XXXX . I never authorized  XXXX   XXXX , or  XXXX   XXXX  to " run my credit! ' I would like to have my credit inquiry taken off of my credit history from  XXXX   XXXX  forthwith.     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 2017-03-01
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card for Walmart through Synchrony Bank XXXX XXXX XXXX XXXX GA. XXXX. The credit limit is only XXXX and is at the limit because I lost my job XX/XX/2017 and am twice widowed, have no help and have not been able to find a job yet. I still have never been late on a payment until now! Pay due XX/XX/2017. They have been calling and emailing, which I want stopped is using all minutes on my prepaid phone I need for job search. I only want contact by mail. 
I talked to a rep today at XXXX ID XXXX I could not understand as from another country and asked if they would reverse just XXXX late fee so I could pay my payment out of my last unemployment check as my payment is normally XXXX but now XXXX, but he said I had to pay the full amount anyway which I can not do, have XXXX in bills coming in and u/e only XXXX wk and last check. I also let him know I have XXXX inter- views this week. I have sent out over XXXX resumes, all I can do!! I asked to talk to a manager, he put me on hold for several minutes and I had to hang up phone running out of minutes.

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 2022-11-03
Company: Avant Holding Company, Inc.
State: NV
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:
In XX/XX/2022 AVANT pre-approved me for a {$2000.00} credit limit, with no affect to my credit score. Once I accepted a hard inquiry was pulled ( a hard inquiry, which hurts your credit ) I accepted because it was a good starting limit ( I had plenty of established credit in good standing ) I used the card once and then paid it off that month. Now I've had the card for 4 months, and without reason or warning I get a letter on XX/XX/XXXX stating they reduced my credit to {$300.00}, they site several excuses, all of which were exactly the same as when I accepted the offer in XXXX. The only difference was that my score had increased. I would NEVER have allowed someone to pull my credit for a credit card with a {$300.00} limit. Now I see all of the other reviews stating the exact same thing. This seems to be standard practice for this company. It is deceptive and ends up hurting your credit instead of helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX NA 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/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

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 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Debt Buyer XXXX XXXX reported on my credit as a new open account opened XX/XX/XXXX and negative reported XX/XX/XXXX. Called and they stated it was for XXXX XXXX, an account I never had, refused to provide contract - stated opened XX/XX/XXXX not XX/XX/XXXX - faxed letter of dispute refused to open, they are a debt buyer not the original creditor illegally reporting on my CBR for an account beyond the Statute of Limitations that does n't even belong 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
Consumer complaint received 2016-12-02
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Late fee

Complaint:
I set up recurring payments so that I would not forget to make my credit card payments. I had successfully made adjustments to this scheduled payment in the past and was NEVER informed it would take a month in order for it go through. I was subsequently charged a late fee and I was given a hard time when I called to explain the situation and have it removed. The rep told me that there was nothing he could do until I got very angry. He then said his supervisor could reverse it, which they did. He explained that this error was not my fault but I still had to pay the {$27.00} late fee as part of my monthly payment. I do not understand why this is legal? This left me with a total of {$120.00} to pay for XXXX and XXXX. ( even though it was their fault the automatic payment was not received ) instead of the regular {$45.00} per month payment. I can not avoid paying this because Synchrony Bank will charge me another fee for not paying the monthly minimum, which they have changed to $ XXXX.I had recently received a letter stating that although I have a great payment history with them, they would be lowering my balance from {$1600.00} to {$1400.00} due to my credit with other companies. When they lowered my balance to {$1400.00}, I was at the maximum amount of the card. Immediate after this, my scheduled payment conveniently was not taken from my account. I am not happy with this company 's policy I feel it takes advantage of the consumer and does not allow for the late fee to actually affect the monthly payment. I am seeking {$27.00} + interest from this company

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-11-03
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sent Validation letter ( XXXX XXXX ( XXXX KB ) they sent back a response ( XXXX XXXX ) but failed to show what was requested, sent paper with no signatures & what looks like a template ( not real paper work ) showing amount I supposedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the public record and it was deleted due to being wrong and Equifax listed it again with less information before after it was removed. I also have several other account that i disputed errors and they removed them only to add them back without no response in the mail. I called them to get more information on why they did so and they rep told me that they were correct and verified. I asked why didnt i get a letter to let me know the results when they were re added to my report and he stated they dont have to notify anyone once items are reinserted back on your report. Also i inquired about an auto loan that i am not reliable for and i asked if they could send me the contract to verify that i was on the account and he told me to get it from the actual company. I got the contact information from him to contact he company and when i called they informed me that since the account isnt in my name i am only associated with the account holder by residency i could not get paper work on the account sent to me. 
Judgement # XXXX no date, court name or status reported. 
XXXX XXXX # XXXX No response from company reinserted XXXX XXXX # XXXX no response back from credit bureau reinserted XXXX # XXXX the account that i cant get paperwork on because i am not on the account. 
XXXX # XXXX No contact information listed after reinsertion

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conn 's XXXX XXXX calls my cell phone no less than 4 times a day. They called me at work last week and I told them I was not allowed calls like this at my place of employment. I was assured my work number would be removed. Today, I receive yet another call at my place of employment, along with XXXX calls to my cell phone. I 've had enough of their harassment!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Greetings, today I received my statement from Barclsycard and noticed how high my interest rate is. I 've been paying on this credit card fir a white, without any other purchases. 
Yet the amount owning is not going down, so I spoke to a manager named XXXX who could n't answer my question as to why they could n't lower my interest rate. XXXX then transferred me to XXXX supervisor who basically gave he the same bull. They gave my interest rate at 22.4 %. Which I find outrageous. They make it impossible for consumers to pay off the debt by keeping the interest rate high. When asked why they could n't lower my interest rate? I was told they could explain why. I 'm requesting that Barclaycard lower my interest rate immediately. I have been a great customer to barclaycard, I have never been Late on my payment. I was told by the sales agent when I applied for the credit card that my interest rate would be 10 % because of my great credit score. I found out later that was a Lie. I 'm requesting that Barclaycard lower my interest rate, so I can get this credit card paid off. The account number ending in 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 2022-10-26
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-11-03
Company: LEXISNEXIS
State: AZ
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:
After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.

Company response to consumer: Closed with explanation