BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Billing disputes

Complaint:
I applied for a XXXX card. It had an introductory offer of XXXX miles if XXXX dollars was purchased on the card within the first three months. I did this and redeemed my miles. This card also had an annual fee. I paid all outstanding debts and I cancelled my card prior to the annual fee taking effect via a phone call to the credit card company. I was assured by the operator that I would not be charged because I cancelled within the time frame prior to the fee taking effect. The credit card company has since changed owners and is now a Master Card and is operated by XXXX. For the last 2 years or so I have been receiving bills for the annual fee. I have made several phone calls to customer service explaining that I am being mistakenly charged and am always assured that the mistake will be corrected but I continue to receive bills. I was recently inquiring about taking a second mortgage on my apartment when it was brought to my attention that my credit score had lost about XXXX points since the last inquiry and that it was due to this issue with the outstanding credit cared payment. I have always had excellent credit and always pay my bills so this is very bothersome to me. I believe that the credit card company intentionally refused to fix their mistake hoping I would pay a fee that was incorrectly placed on my account. I would appreciate any help available to fix this issue. 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 monetary relief
Consumer complaint received 2016-12-26
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX XXXX, 2016 Synchrony Bank sent me a letter stating that my application for a credit card from XXXX XXXX had been denied ( see attachment ). Since I never applied for a credit card from XXXX I responded to them stating the I had not applied and to notify the consumer reporting agency they used so as not to negatively affect my credit rating ( see attachment ). On XXXX XXXX, 2016 they sent me a letter explaining why my " application '' had been denied ( see attachment ). 
They never acknowledged that I did not apply for a credit card, nor notify the consumer reporting agency. 
I believe they have attempted to fraudulently seek to provide me with a credit card that I do n't want and never applied for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
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: Personal information incorrect

Complaint:
I tried to contact Experian several times for them to remove all these names and addresses that are inaccurate and they are not removing anything. 

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 non-monetary relief
Consumer complaint received 2022-07-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account number # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: MoneyLion Inc.
State: PA
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:
Numerous account inquiries and account review inquiries that I dont recognize and didnt authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX  XXXX  LN XXXX  CHASE BANK XXXX XXXX XXXX XXXX  XXXX, CO XXXX  MY LOAN OPENED ONXX/XX/XXXX WASHINGTOM MUTUAL BANK I HAD PLACED 10 PERCENT DOWN TO QUALIFY WITH P.M.I. TOTAL $XXXX AFTER 2 YEARS BY XXXX MY HOME VALUE HAD EXCEEDED 20 PERCENT EQUITY WHICH QUALIFIED BY FEDERAL LAW THE REMOVAL OF THE P.M.I. XXXX X 12 MONTHS= XXXX X 13 MONTHS FROM XXXX TO XXXX XXXX XXXX IS OWED TO ME. CHASE BANK IN OVER 13 YEARS REFUSED TO DELETE MY P.M.I. I NEED HELP TO RECIEVE A FULL CREDIT REFUND OF WHAT IS OWED TO ME. 
RESPECTFULLY, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Ridge & Valley Realty, Inc.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Credit Systems Inc petitioned and was granted a Default Writ of Garnishment in XXXX 2016 without proper service. The process server appeared at my residence on a Sunday afternoon and I was not home at the time. I do not know who answered the door because there were guests at the home watching football. No documents were left so I had no knowledge of the upcoming court date. Additionally, I notified the collection agency, in writing, that the debt was being disputed. Ultimately, with the assistance of the Department of Regulatory Agencies, the insurance company reversed the denial of the claim and it was paid in full. A check was issued on XXXX XXXX, 2016. To date, Credit Systems Inc has not refunded the money garnished from my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: NE
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 XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions

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 2015-05-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a TOYSRUS credit card ending in XXXX. Without notification, my credit line was erroneously reduced, in XXXX 2015, from {$5500.00} to {$1200.00} without any notification. Despite my scores being excellent, this adversely affected my credit and FICO scores, which is completely unacceptable. I am requesting my credit line be reinstated to its previous amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened high interest online savings account in XX/XX/2020 in mid XXXX they closed it without reason or given explanation. I'm told that they will mail me a check after 60 days which means XX/XX/XXXX-XX/XX/2020 which is ridicules. This is my hard earned saving XXXX and now I don't even have access to it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Rewards

Complaint:
Barclay Card Arrival was XXXX of cards that our family use regularly to accumulate points for travelling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for a cruise with our XXXX young daughters in 2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Siggi LLC
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was trying to purchase a vehicle from XXXX XXXX. I was told that I need another XXXX because of the negative equity in my trade-in. the salesman told me to go to Omni financial so I did I did n't purchased anything for this loan it was just a consumer loan so the guy from Omni financial sat me at a computer told me to put in my XXXX card and went through the paper work for the loan and he did n't explain it basically he just said parts and said if you want to read it you can but I already summarized it for you so he had me set up a allotment for XXXX every month so after everything was done he gave me a envelope with all my papers work in it and gave me a card to use to get the money off of it he told me I only was approved for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: HYUNDAI CAPITAL AMERICA
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Continuing saga of the harassment and incompetence of Kia Motors Finance. Having paid of the full payoff amount the Kia Motors Finance in XXXX ( XXXX ) and provided them ( and CFPB ) copies of the proof of that transaction and copies of the check made payable to them and cashed in XXXX ( XXXX ), the issues with Kia Motors Finance continue to grow. A supplemental check was sent to them, even though their online statement for my account showed full payoff. This online account has been doctored and manipulated in it's current form to remove the evidence of that payoff. They received a check for the same amount as originally paid by XXXX XXXX XXXX XXXX of {$14000.00}. Kia Motors Financed cashed this check again on XX/XX/XXXX. They took this amount and show this in their current online records as being {$13000.00} rather than the correct amount they cashed. They then had the nerve to take {$330.00}, {$420.00}, and {$6.00} from that amount arbitrarily nd apply it to my account as " payments '' even though the full payoff amount was paid in XXXX ( XXXX ). SO, regardless of their unfair and possibly illegal transactions they initiated in house, where in the missing money from the cashed check of {$14.00}, XXXX and {$13000.00} they show in their records? 
They also show in their records that they sent me a " refund check '' in the amount of {$310.00} on this same date of XX/XX/XXXX. I have not received any check from them as they claim. I requested a copy of that check and proof of cashing, but they have yet to respond and provide this since it obviously doesn't exist. 
They have also refused requests by me and from XXXX XXXX XXXX XXXX to provide the Release of Lien or the Title as required by LAW. 
Online records now show " missing '' XXXX ( XXXX ) and XXXX ( XXXX ) entries showing full payoff made and arbitrary and additional payments taken by Kia Motors Finance for payments NOT DUE. 
I know CFPB will not take any action except put these continuing complaints and problems with Kia Motors Finance is some obscure database, but hopefully there is an agency somewhere out there that will step in and enforce the law, protect the consumer, or get companies without morals or ethics like Kia Motors Finance to at least be held accountable to for their action against customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I asked my bank BBVA COMPASS BANK for a loan modification several ti times and they just say no without allowing me to do an application or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: LD Holdings Group, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX we switched bank accounts and had to contact our mortgage company to inform them. We are enrolled in the budget program, in which they split our monthly mortgage and we pay twice a month. We have called the mortgage company EVERY WEEK since XXXX ( it is XX/XX/XXXX ) about our complaint. The main issue, at first, was that they, for some reason, could not switch our payment to come from our new bank account. They kept saying it was on the bank 's end and that our bank account was closed, which it was not. We followed up with the bank and, of course, our bank account was open. The problem seemed to be that no matter how many times we gave them the new bank information, EVERY single time they entered our old bank info ; therefore, our payments were not coming out as directed and were late. After hours upon hours on the phone with the mortgage company and MANY " supervisors '' later, they FINALLY " fixed '' the problem. Or so we thought. On a random day, WITHOUT OUR APPROVAL, the company deducted the full amount of our mortgage from our bank. We had absolutely no idea this was going to take place ; therefore, sending us into overdraft. Which in turn produced hundreds of dollars worth of overdraft fees. It seems that no matter what we do, we can't catch up. We are constantly having issues with this company and constantly getting fees with our bank because of their careless mistake. The mortgage company said that because we faxed the " wrong '' paperwork ( which isn't true, because they gave us the papers to fax MULTIPLE times -- I faxed probably around 5-6 times ), they decided to take out our full payment and remove us from the budget payment plan. We are BEYOND infuriated, mentally/physically/financially exhausted. I would never, ever recommend servicing your mortgage through this loan company. The amount of stress this company has put on our family is unbelievable. We have lost countless dollars and countless hours with our children sitting on the phone with a different person that knows absolutely nothing about anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I bought a bed in XXXX 2015 and used Synchronicity Bank to finance it. 
In XXXX I had not received anything in the way of a statement from thebank, so I called the mattress store nd they gave me my accountnumber at Synchronicity. I called Synchronicity and gave them mynew address. They told me they would mail the statement to me. 
Weeks passed, and still nothing.I call the mattress store and the manthere said not to worry, that there is a grace period. 
As of yesterday, I still receive nothing. I made a not to callSychronicity. Today, coincidently, they call me and inform me I have alate payment. I told the man I have asked already fo the bill and wasgetting ready to call them again. I paid the open amount XXXX {$440.00} XXXX viadebt card. I also gave my address AGAIN and requested that theysend me statements so I can pay this in a normal fashion. I asked thatthey remov the late charge because I had made a request for bill thatthey never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Conn's, Inc.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
The billing practices of XXXX XXXX in behalf of Conn 's unjustly adds late fees and increases the balance of my account in spite of extra payments and greater than the required payments I send in prior to the actual due date. The Bank recognizes this fact and when I complained previously in XXXX earlier letters it acted to remove the unjust charges. However, the Bank is still insisting that I should submit payments after the XXXX of each month ( actual due date is the XXXX of each month ). I am paid at the first of each month and it is more practical and appropriate for me to pay the bank earlier than the XXXX or the XXXX. It 's billing system failed to credit me for overpayments submitted between the XXXX and before the XXXX, and treated me as if I was paying behind or late. Although the Bank corrected this error to my satisfaction in XXXX and XXXX of XXXX, it is back to its old tricks again as I was charged for allegedly paying late on XXXX/XXXX/XXXX and XXXX in spite of online evidence to the contrary ( see attached letter to the bank ). I have written the Bank again to request the removal of the late fees and correcting of my account balance for a third time. I feel their billing practices are injurious and unfair to consumers and they should be held accountable and required to change the billing practices to reflect the consumer 's good faith payment practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They have doubled the amount by filing it twice for one second this was to be filed on my insurance and was given instructions as to how to file being it was state medically needy insurance they refused to do so saying I had to pay it and get reimbursed from my insurance and that is n't how that insurance works so they need to file it with the insurance and remove this from my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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: Was not notified of investigation status or results

Complaint:
I have noticed many unauthorized INQUIRIES appeared that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. Please see attached documents for these Items I am complaining.

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 2022-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-23
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I bought a car on XX/XX/2022 at XXXX. I had to return and re buy it again XX/XX/2022 due to the salesman did not include the extended warranty. The lienholder Exeter Finance only shows one loan. However, all three credit bureaus show two loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Payoff process

Complaint:
Every time I make a payment over {$240.00} on my XXXX XXXX Barclay 's business card it is credited to my account by not available for up to 2 week. It looks like Barclay 's is punishing customers who pay down their cards for doing so. 
They are able to release the payment every-time after a phone call that consists of having to type in my card number my zip code then listen to 2 minuets of recorded balance information util I can then push XXXX more codes and finally get to a representative to have to give them my date of birth and last XXXX of my SS #.

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