BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-23
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
This credit card changed hands and interest rates hit to 29.99 %. They are calling themselves a bank now as well. There seems to be another question and I do not know where that questions full problem is. But, can they call my cell phone? Can they call outside business hours? 

I am paying on this bill besides. It looks as though I am not late either. 

Again I see it if tax % are 3-4 % where to bank cards come out being this excessive? It seems to be a practice here in Wisconsin to change hands in business leaves no binding and or reasonable interest charges to it 's customers? Pass the buck around is for profit. What groups find this bad medicine OK to do? This group needs to recognize thier bad business practicing and take heavy fines for causing citizens to be failures. 

You can also see I have not used this card either since the date indicated too. So why make up figures to lighten the charges?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-20
Company: Riverwalk Financial Corporation
State: MA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Hello I have had this Lady named XXXX call me repeated amount of times and also contacting my job looking for me on multiple times throughout XXXX and XXXX of 2017 trying to collect for a student loan, Harassment is what its turning out to be collecting Debt. She works for XXXX XXXX XXXX calling from phone number XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
On XXXX XXXX,2017, I mailed out a letter stating that I did not authorize credit from your company. I would like for you to prove to me that I was the person requesting credit from your 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 2015-07-14
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
In XXXX my mother in law died she had no living relatives to bury her. She had XXXX insurance policies signed over to the Funeral home XXXX/ XXXX XXXX . They took every penny. The funeral was priced at around XXXX. Being a widow I did n't not receive one dime of the proceeds. I took the budget funeral pkg. I do n't know what happened to the money, but I went to XXXX for the arrangements because they had received XXXX in a pre burial arrangement prior to XXXX XXXX demise. The next thing I found out was XXXX XXXX has transferred the arrangements to XXXX. There was always something shady about XXXX. I tried numerous times to contact him to no avail. Whatever transpired between the XXXX funeral homes is not my responsibility. The problem lies in the accounting and bookkeeping with them. I owed nothing before or after she was buried, well over {$20000.00} dollars went somewhere. The burial plot, cemetery fees etc were all paid for. I guess XXXX XXXX is the collection agency. This is true information no scam. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient took over a false parent plus loan from XXXX, which XXXX applied for in my name after I was denied without my permission and/or authority. In speaking with XXXX from the Department of Education she got her supervisor on the phone who explained that after my denial of a parent plus loan, XXXX applied for a parent plus loan in my name without my permission and/or authority and that loan was approved. I have made several attempts to dispute this loan and provided my proof of documentation of my denial, which Navient and Dept. of Ed. continues to place blame on one another and pass the buck on whose responsibility it is to correct this problem and they continue to place it on my credit report, which is driving down my scores and costing in buying a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a XXXX XXXX prepaid account and was mailed a XXXX card. The XXXX card did not work and XXXX tech department was unable to assist and I experienced terrible customer service. I never used the service and do not owe XXXX a dime. They referred the account to Convergent who continue to harass me by email and postage mail. I explained this situation twice to Convergent and they continued to contact me. I sent a cease and desist and they continue to contact me for a bill I do not owe.

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 2022-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion, XXXX, XXXX You are reporting a collection from XXXX XXXX for XXXX XXXX XXXX XXXX bill that I know nothing about I never lived at the billing address don't know anything about it as you can see they have NO contract with my signature and nothing but a bill they state that it is verification, and validation you know as well as I do that is not the case I have lived in Texas for about 20 years. They state section 809 serves as compliance per my request that is false I never request that no identity theft I requested 15U.S.C.1681a { e } as well as others listed in documents they refused to comply Remove this unverified ; none validated account from my credit report Enclosed are the documents

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 2017-06-07
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Several months ago my mortgage was sold t o Freedom  Mortgage based in Texas. Some time around  XXXX  o f 2017 I stopped receiving mortgage statements so I called to inquire. The mailing address on file matched my mailing address and I were assured I 'd start receiving correspondence. Two more calls because still no mail. The third call revealed they were getting the statements returned " undeliverable ''. Two months ago I went online to print off a mortgage statement and the mailing address was in Maryland. Subsequently my identity had been stolen which is another issue altogether that was revealed because the Maryland address was used to try and change my Social Security direct deposit bank and account number. The last call I made to Freedom the girl put a " change order '' in to correct   the mailing address. 15 minutes ago I went to print another mortgage statement and the address is still in Maryland. My fear is that there might be someone inside Freedom stealing identities or they were hacked. I asked on the last call and the girl said she did n't have any information about a hack.

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 2015-09-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My elderly mother XXXX XXXX was XXXX XXXX 2015 and I her daughter XXXX XXXX went a gathered all her bills to be paid, XXXX account with Synchrony Bank was delinquent and was sent to " XXXX XXXX, XXXX '' in the amount of {$310.00}, I paid the account in full on XX/XX/2015 XX/XX/2015 Synchrony Bank sent a statement with a new balance of {$94.00} with no previous notification or services provided to my mother. I sent Synchrony Bank in writing a letter stating the account was settled, they sent back a letter to her to contact the collection dept. to be better able to assist her. So together we called and they stated they do not deal with XXXX or any third party companies! I read the letter to her and she asked that I hold as she tries to remove the fees ... ... Comes back and states she can not remove the fees. They keep sending statements with more late fees now. Also the account is frozen and she can not use the card for her XXXX needs at this time. So I am now contacting you for assistance. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: TN
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:
Please be advised that I submitted 4 disputes and never got a update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
the bank : Bank of America has paid a check twice for the same amount Check # XXXX one time on XXXX XXXX and for the second time on XXXX XXXX, XXXX, we did present the claim to them and last week after a conversation with the representative asking for the refund since that was a check over 2 year old and posting twice we need to wait for XXXX bank we do not have our account with them we banking with Bank of America

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 2017-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
We have an extensive number of reports all associated with our problem and situation stemming back 10 months or more. It has handicapped our ability to borrow severely creating financial difficulties. There are two very distinct issues in complaining about the credit reporting- A ] All three agencies- although advised were in sync with, our information they re NOT as witnessed by new complaints [ Trans Union . ] B ] There are other unknown credit reporting agencies feeding information to potential creditors that have incorrect data. How are we to repot and correct them? Previously we identified one and reported but our understanding is there are OTHERS! The complaint is the total lack of concern by your agency to PROTECT consumers from this abuse? We have been rejected in the past week from close to 10-12 lenders.

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 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/2022 XXXX XXXX, Senior Energy Consultant ( Tel. XXXX XXXX XXXX email XXXXXXXX XXXX XXXX XXXX ) for XXXX XXXX XXXX convinced me to sign up to have the solar system installed at our house at XXXX XXXX XXXX XXXX, XXXX, California XXXX. We met several times at our house because there was a problem with how much we can save on electric bills. I mentioned to him that I am concerned that the federal tax credit he mentioned will not affect our tax situation because we do not owe that much in income tax. Since I prepare tax returns for individuals as a XXXX  I know that the federal tax credit he was referring to do not apply to us. He tried to prepare different scenarios on how the solar system will benefit us, like rebates at end of the year, lower monthly electric bill, etc. and kept changing the contract. To make a long story short, the SOLAR PANELS HAVE NOT BEEN INSTALLED and I am also sure that the XXXX XXXX XXXX has not approved its installation either. However on XX/XX/2022 Equifax reported that the agreement had been consummated XXXX XXXX Confirmation # XXXX. All i want is to have this matter removed from my credit report. Please help and I would appreciate your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: Conn's, Inc.
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a TV and stand from Conn 's. I had unemployment insurance and thought that would cover my payments until I could secure another position. The insurance division refused to pay the payments stating that since I resigned ( this was a forced resignation ) that I did not qualify. 
They have been calling me at work, at home, on my cell, up to 8 times a day. 
This is harassment and illegal. I also told them to stop calling and they still are calling. 
Please assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2016, I made a payment via IVR phone of {$110.00}. Today, I called CareCredit to see what my account summary/balance was and found out that my payment was not processed since the balance was even higher from last month. I spoke to customer service and they did not help me at all. They stated that my payment was reversed but I did not receive that money back. My bank statement says that they took out {$110.00} and I also called my bank to confirm and my bank stated that the payment was accepted. I also three-way my bank rep and CareCredit rep to speak and again the CareCredit representative was no help! I also called them again to figure out where the money went and the CareCredit rep did not have the answer. He told me to send my bank statement to their complaint dept and I asked him how long is the process of getting this resolve. Again, rep did not know the answer. Now, I do not know if I should pay my bill again. I received a late fee but would like to resolve this issue before I make another 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 monetary relief
Consumer complaint received 2017-11-26
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
AES ( also known as PHEAA ) is consistently endorsing sending repeated documents through the mail related to 1 delinquency, and this happens throughout a period of 30 days. At this point in time, I have no idea how many pieces of hard mail actually were sent, who they were sent to, and if they have proof of sending them and proof of them being delivered. 

I have a huge problem with this because this opens up ANY INFORMATION contained within those mailings to hackers, identity thieves, and any potential individual who wishes to steal information for any type of reason that could be construed as malicious. AES, instead of recognizing that this is a global issue refuses to do anything about it nor will they cooperate with my plea to refrain from this practice. We 've already had one major company who manages the Credit profiles of United States citizens allow and engage in a breach to occur which affected a very large majority of Americans. 

I refuse to be the victim of this type of criminal behavior going forward. Organizations, specifically financial lenders, banks, and Aid organizations need to be maintaining this as all organizations need to have extreme integrity. Conclusively, if AES will admit that they can not do anything about this, then that openly identifies them as an organization who refuses to abide by keeping information confidential. I 'm appalled that we have organizations who are this careless in our society, as our generation of individuals becomes more and more unprotected from those people and parties who wish to do those of us harm. 
Here 's another problem I have with AES responses to this ... they claim that they do n't put any personal information on those mailings. What they need to understand is that ANY INFORMATION on those documents is enough for a cyber-hacker to use to steal information or hack into a system where they can retrieve the identity of an individual/individuals. 

In addition to this, I 'm forwarding all of this to the current President of the United States, because I think he needs to be aware of just how serious organizations are taking security these days. I think it goes without saying that he would agree with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
I ordered XXXX bras and XXXX pair of XXXX boots from XXXX online, using JCPENNEY credit card. This was the end of XXXX 2016. I received the XXXX bras, but the boots were not delivered. Shipping receipt said OUT code XXXX. I drove to local penneys, they had boots in stock similar, so I purchase them. Emailed XXXX via secure email on my XXXX account that I had purchased another pair, please credit me for the online order not received. I have sent XXXX emails, called twice, Faxed twice, Called XXXX reported to them. Still being charged for online order that I did n't received. They all say they can not tell what I order or what I received even with the shipping receipt. They have now place a derogatory remark on my credit for something I 've been billed for but never received. Now, plus the charge, there is interest and late fees.

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 2015-10-18
Company: JPMORGAN CHASE & CO.
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I filled a dispute about charges not authorized by me. They sent me a letter stating after the investigation they determined the charges were valid. 
How?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
the debt collector called my fellow employees at my workplace and shared personal information about me.they told other other employees about a {$12000.00} debt that was supposedly owed from 2001.they were harassing me as well after i told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Application processing delay

Complaint:
I applied for a chase credit card on XX/XX/2016 my XXXX profile and XXXX and XXXX recommends me to apply for a Chase Freedom credit card. I must of forget to follow up on the inquiry on XX/XX/XXXX I receive a letter from Chase to contact them. I was told because I have a fraud alert on my credit file, but with no contact number I would have to contact XXXX. So I called my senator and he gave me the corporate number of XXXX. I talked with XXXX of the Executive office he was surprised that someone was able to bypass the automated system and come in on a straight call. He updated my fraud alert phone number on my credit file, he said that it would take minutes to update. So, I had a previous dispute report number I used it and the proper information he place was in my credit report with my contact number of XXXX. I called back to Chase bank today on the XXXX/XXXX/2016 and after the agent verified the code sent to my cell phone, she said " you called here yesterday '' I said yes I did I told her the story like I explained in the above, she did not do anything. Her voice and tone were very rude. I asked for a supervisor she said why then the phone discoed

Company response to consumer: Closed with explanation