BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-01
Company: SYNCHRONY FINANCIAL
State: TX
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:
I contacted Synchrony in XXXX of 2021 because my Chevron online account had changed and I could not login.

The Synchrony Customer Agent informed me that they had converted to a new billing system and all customers needed to renew their account login 's.

Shortly afterwards, I received a new bill on my Chevron Gas Card for more than {$850.00}. 
I contacted them and told them that this was a mistake, because I had my monthly payments setup with autopay to pay each month 's balance in full. 
When I asked that they send me the transaction statement for these {$850.00} charges, I was told that they didn't have them, because of the new system they had converted to. 
They have not to this date produced any proof of these charges and I have escalated this with their management and fraud department. 
They continue to bill me for these charges with interest, but are not able to show any transactions to back them up. 
I have called them numerous times about this, but to no avail. 
I continue to pay the minimal amount due each month ; only because I have excellent credit and I don't want this to impact it. 
I am at my wits end on what to do regarding this matter!

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 2017-03-20
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I hired XXXX ( XXXX ) to handle short sale negotiations with Atlantic Bay Mortgage ( XXXX is their Credit Dept. ) on a drowning investment property I own. I also hired XXXX, Realtor of XXXX as the listing agent. A fair offer was received in XX/XX/2016. To date, XXXXAtlantic Bay Mortgage has FAILED to order an appraisal of the property though asked repeatedly by both Realtor & XXXX causing the prospective buyer 's offer to expire on 3 different occasions. The buyer is no longer willing to negotiate! Atlantic Bay and XXXX has failed to do their due diligence and follow through with the required appraisal! They are forcing this property into a foreclosure status and further damaging my credit due to their failure to do their jobs! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19
Company: Netspend Corporation
State: AZ
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/2017 I was admitted to the hospital with a XXXX. for the next 2 days I was very much out of it not even knowing what day it was or what was going on around me from all the XXXX I was given. was released on XXXX/2017 around XXXX. When I got home and realized I could n't find my debit card I right away called customer service reported it stolen and told them ( I have a Netspend prepaid card ). I had the card cancelled and a filed a dispute over the transactions that had occurred during my hospital stay. I was told 7-10 business days. So I waited. This past Tues XXXX I called Netspend to check the status and was only then told that a letter stating the claim # and Ref # and all charges being disputed had to be submitted. I sent the letter as requested. On the 10th business day which was Friday XXXX/2017 I again spoke to customer service they were not very helpful so I asked for manager. I explained the situation again and he looked over my file. He said that no provisional credit would be loaded to my account because their dispute dept. had decided that I had benefited from these transactions. I am out XXXX and have had to make multiple calls and been put on hold for long periods of time. I was never asked for any other documentation except the dispute for letter with the dates and claim #. On Friday XXXX/XXXX/2017 in late evening I received a response stating no provisional credit would be applied to my account. I again called and s poke to manager who sent an e-mail to that departed requesting the reason and what documents did they base this denial on. I ask how could they deny something like that when I was admitted thru the ER not even knowing what day it was. I have been a netspend customer for several years. I have never filed a dispute before. This has been such a hardship on me that when I was released on XXXX/2017 and learned of my card which only made things worse as I was released in the am of the XXXX and ended up being readmitted. I asked how I could have benefited from these unauthorized transactions seeing as I did n't even know what day it was nor could I have been at any of the locations where my card was used. The manager did not have an answer for me. I have never been treated in a way that has made me feel insignificant. The cameras at the ATM s will clearly show that I was not the one removing money from my acct. I am beginning for some help with this issue. The are FDIC insured which is set up that way specifically to help customer If these things happen to their money to protect their money I would like some help resolving this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
National Credit Systems , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX ) ( NCS ) is causing us intentional harassment, and financial harm due to invalid debt collection/ reporting to credit agencies. 

NCS is intentionally concealing the accurate description of this invalid debt, as they know it is not subject to collections in AL. I have reached out to NCS to dispute the validity of this debt, from our previous Landlord ( XXXX XXXX  XXXX XXXX XXXX/ XXXX XXXX ), in XXXX AL. 

NCS is attempting to collect {$490.00} from us for 'carpet damage ', however, 'carpet stains ' are not considered 'damage '. In Alabama Landlord / Tenant Law : 'stains on carpet ' are considered 'normal wear and tear ' in the legal sense, and not subject to collections. NCS must know this. 
( There are additional details omitted from this complaint specific to the carpet / Landlord deficiencies not relevant to the collections company ( NCS ) ) NCS sent photos of the carpet stains, but did not call them stains, NCS listed the 'stains ' as 'damage '. I have included this NCS XX/XX/XXXX letter for reference. Also, in this letter specifically, the XX/XX/XXXX Security Deposit Statement letter included from XXXX, and the XXXX  XXXX  XXXX  were never sent to us by US mail. 

Furthermore, I do not know the stains are even from our carpet. From the beginning, I have requested debt validation documents- like an actual bill, ( none was ever sent to us by XXXX ), and each letter I write to dispute the debt, NCS and XXXX collude to fabricate fake documents I have never received by US mail from XXXX. NCS will send these fake documents, and avoid to accurately describe the actual details of the charge as carpet stains, and instead mislabeling it as carpet 'damage'- which is subject to collections. 

National Credit Systems sent collection letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now NCR has reported this invalid debt to the credit reporting agencies, and our credit scores have fallen. This is intentional harassment, and NCSXXXX XXXX XXXX is causing us financial harm due to this invalid debt, that I have requested re-evaluation, and additional documentation on. NCS knows this is not a valid debt, and is trying to conceal that fact, in order to harass and harm us for the predatory LandLord - XXXX XXXX is the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX, NY ), XXXX XXXX is the XXXX  XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX AL ). 

NCS needs to restore our credit rating, and retract this harmful, false, and derogatory information from the record. I hope you can help, and we look forward to a resolution soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX   XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ARE FRAUDULENT INQUIRIES. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

Per Section 604 of the Fair Credit Reporting Act ( FCRA ), all users of my credit report must have a permissible purpose. Specifically per Section 604 ( a ) ( 3 ) ( F ), a consumer reporting agency may only furnish a report if the recipient : otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer

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 2021-10-01
Company: Experian Information Solutions Inc.
State: PA
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:
I currently have a credit card with XXXX, & was trying to get another one as every time I go to check my credit score itll say I only have 1 open account which is too low. So I decided to apply for another one & was denied a few months ago but I just thought I mightve typed in some wrong info or something or my credit score was too low but since then my score has increased tremendously so on XX/XX/2021 I tried again and this time is placed a hard inquiry on my credit file dropping my score a total of 14 points! According to Experian So I then decided to call XXXX to see why I wasnt getting approved as my credit score was Very Good '' just to get to the bottom of it. The representative then told me it was because the time of my open account isnt long enough which was not at all communicated to me! That little piece of info was not advertised on any of their websites or explained to me, The representative then proceeded to say a letter should have been sent out explaining why but I did not in fact receive any letter detailing any of my denials so the representative tried to get me in touch with another representative so they could send those letters out but I kindly decline as it would do me no good since the harm has already been done and her kindly already explaining to me my denial. I would have clearly stopped and waited the one year mark and not intentionally harm my credit file knowing I wouldnt get approved, If I had known of this info prior to my application for new credit I simply wouldnt of done it. I simply applied for a XXXX student cash back card as I am currently a student seeking to build my credit and the promotional offers says you dont need credit to be approved and that it doesnt harm your credit when in fact it did! Im really hoping to remove this hard inquiry from credit file and bring my score back up the 14 points that was deducted according to Experian which I can not get a hold of. Ive called Experian trying to get hold of a live representative to help dispute this lack of communication from XXXX but has had absolutely no luck. Ive reached out to Discover who then also told me I would have to dispute it with my Credit Reporting Bureau which is Experian for me and I simply can not get a hold of a real life person to help assist with my issue.

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 2021-10-01
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX are charging me a FOREVER fee of {$8.00} and {$50.00} for a phone I already cancelled and paid for it. Because there is a forever fee I can not cancel my account. XXXX employees send me to XXXX and XXXX send me to XXXX. I think this forever fee is illegal.

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 2016-07-06
Company: Pacific Credit Exchange Corporation
State: CA
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have me on collection twice. Once for {$8000.00} + and the other is for {$5000.00} +, i have asked for this to be removed since they sold the vehicle at an auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: American Credit Acceptance, LLC
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, 2015 I made a call to my lien holder, the goal was to obtain the information to the person that has the authority to make settlements as well as close my file out completely. I was told there is no one I could speak to that could help me. Attached is a letter with further detail

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I only have one Employer. I work full time for XXXX XXXX XXXX since XX/XX/2014. All other employers listed on my Report should be removed. 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 non-monetary relief
Consumer complaint received 2015-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Transunion credit bureaus as a paid charge off. I paid this account in full. There was no profit loss. They said they would remove it after 60/days and they have n't done that. No offer was made. I agreed to pay full amount upon the removal in all three credit resort which hant been done. I payed this item in full on XX/XX/2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Debt collector, XXXX XXXX XXXX XXXX is reporting the incorrect date of first delinquency and re-aging the account adding an additional year. Transunion refuses to correct the date as they state they are not responsible for what is reported and they are not authorized to correct errors.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Bought a Bowflex from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all three credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from XXXX to an XXXX. When applying for a loan it was one of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale 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 2020-04-08
Company: M.A.R.S., Inc.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX refused to fix water damage from the above apartment. It was leaking into our bathroom and the maintenance refused to come back out to fix the issue and then hung up on me and my boyfriend. The property manger then called my phone and said that we either had to move out of the apartment or they would evict us. This all occurred during the very short period of time that we lived there which was from XX/XX/2018 until around XX/XX/XXXX or XXXX, 2018. They were slumlords and we basically complained too much. We have attempted to reach out to them to send us documentation of these charges for the debt which is inaccurate. They illegally put us out of the apartment knowing that I had to small children and just relocated from XXXX, XXXX to move to XXXX, XXXX where I have no family. XXXX XXXX is no longer owned by XXXX XXXX but whenever you call XXXX XXXX  leading office, you get the run around as far as who the new owner is. I have attempted to contact a lawyer but they stated they could not help me unless emery gardens takes us to court, which they never will because we would most likely win with all of the photos and videos of the property from day one. I never received documentation from XXXX XXXX regarding this debt. You can not put false charges on peoples credit report and get away with it because we were vulnerable at that time and I had to find another place for me and my children to live, otherwise, we wouldve been homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: LDF Holdings, LLC
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was told when i took this loan that every payment would post a small amount to the principle of the loan that was originally XXXX dollars. I have since paid XXXX dollars and am being told that i still owe them XXXX after less than a years time. The information given to my by radient cash was very misleading and not correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Transunion has refused to send verification of debt, that is n't mine, and they have n't responded to any of my disputes. I have already filed a lawsuit. They have gone against the law by refusing to delete items off of the report that do not belong to me. They had addresses that I had to call and ask them to remove that did n't belong to me. They have literally refused to remove the items off of my report that do not belong to me. I am tired of disputing and have been since XXXX of 2016. I am done trying. I have officially filed suit. The only way that I will withdraw it, is if they remove the items specified in the intent to sue letter. They also refused to remove inquiries off of my report that was removed in the breach earlier this year that they put back on there. Lastly, the only name that should be listed on the report is XXXX XXXX XXXX. That is it.

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 2021-10-01
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In late XX/XX/2020 I became ill. It worsened in XXXX and we soon realized it was XXXX. ( I had been on an airplane from XXXX. ) It was so early in the pandemic, my doctor was unable to test me for the virus. 

When I got healthy in XX/XX/2020 I found that I lost my job, also because of XXXX. 

During this time, I did not make payments on my Chase credit card. I honestly thought the card was on automatic payments and wasn't paying close attention, since I was ill. 

Because I was sick, I didn't know about the various programs helping people out who were in financial distress during the pandemic. 

When I realized the error, I immediately paid what I needed to pay to get current. Shortly thereafter I paid off the card. 

I reached out to the executive offices at Chase, asking for the late payments to be removed, given the circumstances. They denied the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been trying to get help with both my Citi Card accounts. Our income has been affected by the COVID-19 virus, all I am getting is the run around. Hours spent trying to get help. I have 2 Citi cards accounts ending in XXXX and 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 2021-10-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This correspondence shall confirm the termination of your ownership due to a cancellation in XX/XX/XXXX for XXXX XXXX XXXX  XXXX ( XXXX ). Account was cancelled due to loan default. While I no longer have an obligation to this company... XXXX XXXX XXXX XXXX is continually reporting month after month that this debt is still unpaid and my credit rating is below negative. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX Fax XXXX. 

I need to put a STOP to this negative reporting as I can not get any credit approved from other financial organizations.

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