BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
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 following have violated my rights : XXXX XXXX XXXX section XXXX A. States I have the right to privacy XXXX XXXX. XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions 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 XXXXt XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: OK
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:
Millennium Financial Group XX/XX/2021

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Filed a dispute for charge of XXXX to my account. Company did not send product. 
Was told by USAA customer rep the company had sixty days to dispute my claim. If they received no dispute from the company the charge would be permanently removed. 
After filing the complaint the company sent me the product. 
I contacted USAA and told them it would be fine to keep the charge of XXXX on my accountWas told by USAA customer rep that the company had to dispute the claim. 
So I called the company and told them they had to call USAA and dispute the claim. 
Was told by their customer rep they did not know how to handle it and never received anything from USAA disputing the charge. 
I then called USAA AGAIN and talked to a customer rep who told me he could just removed the transaction and I could then send the company a check for XXXX. 
I agreed. 
I received a letter from USAA stating the transaction was removed. 
I sent the company a check for XXXX by priority mail and tracking number. The company received the check. 
I then received a second letter from USAA stating the charge was removed from my account and no further action was required on my part. 
A few days later I checked my account with USAA on line and discovered the charge of XXXX was again placed on my account. 
I called USAA AGAIN and spoke with another customer rep. He did not have any answer as to why the charge was again put on my account. He gave me a song and dance routine that stunk. I received XXXX letters from USAA stating the XXXX was removed. And sent the company a check for XXXX. Now the company will receive XXXX twice. Once from my check and the other from USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I contacted the customer contact center to discuss alternate payment methods. I went through an interview process discussing monthly expences. At the end, they concluded the amount owed vs what the income was, was higher, but they could not lower my payment. When I asked how that made any sence, if they see obviously the gap in income vs debt, the gentlemen in the collection area became defensive and basically told me its my own fault im in the position I 'm in, and they ca n't help. When I asked to speak with someone else to get another perspective, he refused. So I asked for his name so I can discuss with someone in their executive area, and he stated it was n't necessary and hung up the phone. How am I supposed to work with my creditors to honor my obligations when they act in such a manor?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
This feels completely wrong and I do not consent to USAA sharing any of my information at all. The sharing of any of my accounts as a direct and proximate result of you, USAA, Furthermore, this warning is a rejection of the modification presently and unilaterally proposed by you, and any action by you to close my account due to my rejection of the terms herein proposed will be responded to by me with a class action lawsuit for XXXX XXXX of Contract, violation XXXX, etc. Thanks Please communicate by mail only, do not call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: First Federal Credit Control, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
First Federal Credit called me several times, on the most recent interaction in which I stated that I wasn't able to make payments, the agent called and told me that my credit would be negatively impacted by not paying her. 

This account has been in their charge since XX/XX/22. They've ALREADY reported negatively against my credit report and have now SOLD THE DEBT to another collection agency ( XXXX XXXX XXXX  ) without giving me a fair chance at resolving this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi there, XXXX XXXX XXXX is attempting to collect on credit card debt via MidlandCredit.com. 

Amount : {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I completed medical school in XX/XX/XXXX and consolidated all my outstanding XXXX student loans at that time with an interest rate of XXXX %. Over the last XXXX years, my rate has dropped to XXXX % due to discounts I have received for on-time repayment history ( 1 % discount ) and enrolling in autopay ( 0.25 % discount ). In XX/XX/XXXX my XXXX XXXX was transferred from XXXX to Navient. I received a letter from Navient on XXXX/XXXX/XXXX informing me that my monthly re-payment amount would increase from {$480.00} per month to {$490.00} per month. It was my understanding that loan repayment terms should not change when the loan is transferred to a new XXXX XXXX XXXX XXXX to Navient XXXX. I called Navient to inquire, and they confirmed that my interest rate has not changed. It is still XXXX % however I continue to receive the 1 % on-time payment discount and XXXX % autopay discount, making it effectively XXXX % as before. They explained that they recalculated the loan using the higher interest rate of XXXX % and that if I continued to make the higher payment, the extra {$10.00} per month difference would go towards paying down the principal every month, and that I would actually be paying the loan off faster and enjoy lower interest payments going forward. This has not occurred. On my XX/XX/XXXX Navient statement ( prior to the increase in monthly payments ; total payment was {$480.00} ), I paid {$340.00} in principal and {$140.00} in interest. XXXX months later, on my XX/XX/XXXX Navient statement ( after the increase in monthly payments ; total payment being {$490.00} ) I paid {$350.00} in principal and {$140.00} in interest. Therefore I am paying only ~ {$5.00} more in monthly principal payments, and actually continuing to pay more per month in interest as well. I believe that I have been overcharged on my loan since Navient increased my monthly payments on XX/XX/XXXX. The additional payment has not been going towards principal payments and they are charging me a higher interest rate than when they took over my loan from XXXX who was my previous XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: Advance America, Cash Advance Centers, Inc.
State: MI
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I defaulted on my loan and they tried cashing the check for the full amount after I had already paid part of my balance down and my bank will not cash it if the money is not there. I get hit with non sufficient funds fees every time losing XXXX dollars everytime. Making it harder for me to repay them back. I have XXXX loans out one at XXXX and one at Advance America. I will never be able to pay them back if I continue to lose money for NSF fees on top of the ridiculous fee for taking the loans in the first place to repay back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls XXXX to 15 times a day, to both my husband and myself, and even if you pick up, they do n't say anything, they just hang up. As soon as you block XXXX number, they use another. It starts at the second day were late on a payment, and continues a couple days after we 've paid. If they do say anything when we answer, they threaten legal action of we do n't pay immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: MO
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: Investigation took more than 30 days

Complaint:
Some time in XX/XX/XXXX, XXXX XXXX sold my mortgage to XXXX. I did not authorize this, initiate or suggest this change. My mortgage was with XXXX XXXX since XXXX. When XXXX sold this mortgage, they closed my account. This caused my mortgage history to be eliminated with the credit bureaus, and showed up on XXXX XXXX, and Experian as a closed account. I did not authorize nor request the account be closed. 

This change also resulted in a 69 point drop on all my credit reports. When I called to dispute this, XXXX said there was nothing they could do about this, and to keep paying on time as I have been doing, and the score would rebound. 

This is absolutely absurd. I work hard on paying my bills on time in an effort to keep an outstanding credit report. 

Please address this situation. It's devastating to see your credit score is in the 700 's, but a business takes this action, dropping your score to 600 's, and the consumer has no say in the 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 2020-12-05
Company: Colony Brands, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been purchasing products online with the Swiss Colony for many years. 
However, when I logged into my account last month to purchase a new order, I saw a message below. I have not had a line of credit with this company since XXXX so I called them immediately. They claimed that the balance was still due and that I needed to provide proof of payment before they would update their system. I explained to them that I would not have proof from almost 25 years ago and that they could not legally collect the money after 7 years. I was told rudely, that it was on me to provide proof of payment. I pulled my CBR and did not see the amount on it. But, I am concerned that what they are doing is illegal. 

ALERT : Your account is 480 days past due. In order to make your account current, please make a payment of {$34.00} or call our credit department at XXXX. 
XXXX XXXX Account # XXXX Change Account Plan A Credit Status as of XX/XX/XXXX Available Limit {$0.00} Balance {$35.00} Credit Limit {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My name is XXXX XXXX and my closing was completely botched and both myself and my parents wasted a half day attempting to close on XX/XX/2020 with XXXX XXXX of Wells Fargo Home Mortgage ( XXXX ID XXXX ) and she was completely unavailable/unresponsive during closing. 

Ultimately there were issues with the paperwork that she messed up and as a direct result we were unable to close. My closing was pushed out a week where I needed to take another half day to go back and try to close again which happened on XX/XX/2020. 

Additionally there was additional interest accrued on the old mortgage/new mortgage because it was not paid off on the original date that I am now directly responsible for paying because of this lack of professionalism. We were not reimbursed for this failure and XXXX XXXX refused to acknowledge the issues. The closing lawyers at XXXX XXXX XXXX. filed a formal request for reimbursement due to the incorrect paperwork and it was rejected. 

Wells Fargo sent a letter apologizing for the issues a month later, however no reimbursement for lost money or time was ever given.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a capital one I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with capital one but this situation is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-30
Company: SYNCHRONY FINANCIAL
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank Bought PayPal Credit & Close my account for not using it. This knocked 75 POINTS off my 800+ Credit Score!!! Never once was I notified that if I DIDNT use the card in a certain amount of time that they would CLOSE My Account & RUIN My Credit!!! The company REFUSES to Reopen my ace & says that theres NOTHING that they can do about it. I want this blemish removed from my credit score.

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 2022-09-03
Company: EQUIFAX, INC.
State: MS
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:
An account ony credit file was deleted once and then was added back on my credit file. 
15 U.S.C 604 A SECTION 2 states a consumer reporting agency can not furnish a account without my written instruction 15 U.S C SECTION 602 A states that I have the right to privacy. XXXX is reporting a late payment on an open account. 15 U.S.C 1666 B states a creditor can 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 2017-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX , there are multiple inquiries from  XXXX   XXXX  and  XXXX  on my Equifax Credit file that I did n't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
Initially in XX/XX/XXXX I obtained a credit card from Barclays Bank of Delaware. I also acquired the XXXX credit protection plan that was offered through the credit card company called " Account Protector '' In XXXX XXXX, I got injured and I have not been to work since I got injured. I filed a claim with XXXX XXXX and they began to pay my monthly statement. Sometime in XXXX XXXX, I received a call from XXXX and was asked by an agent if I knew of how long I would be considered XXXX to work. I then advised the agent, that my doctor was not allowing me to return to work and that I would be considered totally XXXX. I was then informed by the agent that my case would be paid in full and there was no need for me to submit any additional forms. However, in XXXX upon reviewing my credit report, I learned that the account that Account Protector was suppose to pay in full with Barclay Credit Card had not be paid at all, in fact the account listed on my credit report that the company could no longer locate me, that {$1900.00} was being written off, and {$550.00} was past due. However, it was again to my understanding that the insurance company was to pay the account in full. My XXXX Account number is : XXXX, XXXX c/o Benefit Activation Department, XXXX XXXX XXXX, XXXX, FL XXXX. I have called customer service on several occasions to speak about correcting the account and so the credit card company can get paid by the insurance company as it was suppose to do, but for some reason we keep getting disconnected every time they ask me for the account information.

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 2016-04-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I disputed a charge on my account in XXXX 2016. As to date I have not heard from the credit card company. I called in with a lost or stolen card report. I was issued a new card and account number. When I received my next statement there was an unauthorized charged on my 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 2016-09-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am currently in a debt consolation program and this company has repeatedly called my home over ten times daily. There should be a limited amount of calls a collector is allowed to call anyone daily.

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 2015-06-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I opened a 24 month CD on-line. On my XXXX statement I noticed a deduction of {$38.00} for " Backup Withholding ''. I called the customer service number and after being on hold for XXXX minutes I was told that " backup withholding '' was deducted from an account when the social security number was n't available. They verified that mine was available, had always been available and that it was an error. They gave me a case # ( XXXX ) and said I would be contacted in XXXX hours. That was 10 days ago. I received an email telling me there was a message for me in the customer message center. The customer message center has n't worked in over a week. No one on the phone cal tell me what the message is or the status of my problem. No email, no live chat, a message center that does n't work and a calling center that just does n't care adds up to horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Credit Karma, LLC
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:
XXXX XXXX say that I was per approved for different credit cards but I was turn down for every application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: CO
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX charged my card {$98.00} on XX/XX/2020. My husband and I don't recognize name at all. Chase Bank says it's a management consulting company in XXXX. There is a phone number, but it's international so we aren't going to call them and pay the long distance call to fix this. We disputed charge with fraud department. This kind of thing happens all the time. Merchants should have some regulation that they provide an address and toll free number so that they can be easily reached and investigated for fraud. Also they should provide the name on credit card that they provide to customers so they can be easily identified. 

Banks need more regulation in general as well as merchants.

Company response to consumer: Closed with explanation