BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
after being XXXX injured almost 5 yrs ago my husband is completely XXXX, he spent 67 days XXXX. and 32 days XXXX, 2 yrs ago XXXX sued him [ g e money bank original credit card ] we explained how we now live off of XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in Pa. is there anything I can do. thankyou,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Bank changed closing date to XX/XX/XXXX instead of XX/XX/XXXX with no notification citing the reason of XX/XX/XXXX only having 28 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I had a Barclays credit card for which I filed XXXX disputes under the Fair Credit Billing Act. Those disputes were ( date of charge, company, and amount ) : XXXX/XXXX/14 XXXX XXXX {$100.00} XXXX/XXXX/14 XXXX XXXX XXXX {$810.00} XXXX/XXXX/14 XXXX {$6500.00} I sent these disputes to Barclays by certified mail to the proper address and within the time limit required by the FCBA. Barclays failed to investigate these disputes and failed to reverse the charges. Because I refused to pay for these illegitimate charges, my account was charged off and reported to the credit agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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, this creditor has violated my rights. 
Under 15USC1681 section 602 states I have the right to privacy.

15usc1681604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions.

Under 15usc1666B a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I spoke to XXXX in the re-entry team on XXXX XXXX and he advised Wells Fargo will not open a modification review because it is 3 years past due with a previous modification review decision. The home owner has had a change in circumstances. The previous review was denied with a monthly gross income of {$2600.00}. The income has increased to a gross amount of {$3300.00}. This makes the homeowners debt to income ratio 34 % and a monthly surplus of {$350.00}. This homeowner has never been modified and can now afford her monthly payment. There is a foreclosure sale date of XXXX/XXXX/16 and needs a proper modification review.

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 2021-09-01
Company: EQUIFAX, 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:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015, I have noticed that I was being alerted by XXXX that GE capital has pulled my credit report without my consent. Someone has used my social security number in order to used my credit. I asked the bank for a copy of the application, but someone reason a rep was able to give me that information before, but know as I had called back on XXXX, the rep refused to give me that information, as I was able to get the information before, but i have misplaced it, i did not authorize this company to pull my credit report without my consent, i am trying to file a police report about the person who tried to obtain goods in my name,, but I would need the application or some sort to let the police know that someone had used my information without my consent, the bank has engaged in fraud and identity theft. And also the company needs to send me a copy for a letter stating to remove the inquiry. So since the company will not cooperate, i decide to file a compliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-30
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I had a couple late payments, but then would pay a large amount to knock down the balance and reduce the credit/balance percentage, but EVERY time I do that, they drop my limit down to a couple dollars over what I just lowered my balance to ... literally a few dollars! 

I 've been trying to get approved on an apartment, paid off most of my credit cards and paid down a couple, including my Lowe 's card after receiving a large paycheck for a project that was paid to me late. XXXX 2015 the balance was {$710.00} XXXX with a {$790.00} limit ) or so and so I paid {$220.00}, then another payment of {$240.00} in XXXX 2015, dropping the balance down to {$240.00} XXXX with a {$790.00} limit ) so that it would be a low percentage of my credit limit and help my credit score ... so days later they dropped my limit to {$250.00}! 

They have done this EVERY time I make any payment larger than the minimum ... it 's not once a year or any regularly set time. So after making this recent large payment, I 'm now " maxed out '' AGAIN and my credit score just dropped significantly more. 

I called them and they just gave me the address to write to the FCRA. 

This can not be legal. None of my other cards have ever done that ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2021 I sent a letter to the credit bureau 's to notify them that there are some inaccurate addresses on the credit bureau 's credit reports. This is well over 30 days ago and I am unsure why this fraudulent inaccurate information has not been removed from my credit report yet. This is also causing an issue because there are two companies stating that I owe money on accounts I have not opened. I sent the bureaus an identity theft affidavit, identification, and proof of address yet these inaccuracies continue to report. 

Please see the attached affidavit and letters sent to each of the credit bureau 's

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 2016-11-23
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Delinquent account

Complaint:
I called Synchrony Bank regarding my XXXX account that is pasted due XXXX past due representative who never gave me his ID told me my account has been charged off when I requested to speak with a manager the call was transferred a co worker named XXXX who pretended to be a manager and refused to give the name of the first Rep and when I asked for his manager h ended the call In addition I have lost of income protection insurance which was not applied to the past due 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 monetary relief
Consumer complaint received 2017-10-11
Company: Pinnacle Credit Services, LLC
State: CA
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:
This complaint is for XXXX written dispute sent XXXX/XXXX/XXXX requesting removal of XXXX credit services based on this company knowingly submits false and inaccurate information to keep my credit in a negative rating which allows lenders to then charge higher APR as well. Proof was submitted to show that XXXX XXXX was the first to open account for collection of {$1500.00} with first date of delinquency as XXXX. The results from XXXX  stated account belongs to me but the my dispute asked for removal of this company based on dates and inaccurate information on my credit. Verbiage also on results state " Once an account has been opened, the account may appear on the credit file for 7 years or 10 years from the date reported. '' Based on this and proof XXXX should have removed XXXX from report but instead they allowed them to update status on my file and report as an open account with First date of delinquency as XXXX. XXXX is allowing XXXX to violate XXXX laws put in place to protect consumers from misinformation on reports being used against us in a false or negative way in order to collect a debt. This debt is no longer owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
I have excellent credit with a credit score over XXXX, no delinquencies, no current balances, as I pay off my balances each month, and yet every time I apply for an XXXX XXXX card -- which is through Barclay 's Bank -- I am denied. I have a XXXX Barclay 's card with an excellent history, so I sent an online secure message to Barclay 's, which they not only refuse to address, but also refuse to escalate the matter to the corporate office. I am sick and tired of being treated like garbage by these banks. They lie, cheat, and steal from loyal customers, which is completely inappropriate, especially with customers with as excellent payment records as I have. I deserve an explanation in writing as to why this keeps happening, and CFPB has a responsibility to see that these issues are addressed in writing, not just blow off complaints by merely sending a copy of the bank 's lame response to the complainant.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/XXXX i did a home modification agreement with Wells Fargo Bank so i can afford to pay my mortgage and keep my house. The Modification agreement stated that I would start paying 2.15 % up to XX/XX/XXXX then 3.125 % to XX/XX/XXXX then 4.15 % to XX/XX/XXXX and finally 5.125 % after XX/XX/XXXX. " The modification agreement '' further stated that if i do not accept it without alteration I would loose my house to foreclosure. I therefore signed the agreement. In XX/XX/XXXX my XXXX 10year XXXX mortgage eclipsed and it went from 4.32 % interest rate to 6.2 % because as the bank said i had a bad credit and there was no negotiation whatsoever. The result of these interest increases went from $ XXXX/per month to {$1000.00} for my XXXX mortgage and from $ 320/per month to {$520.00} on the XXXX mortgage, a $ XXXX monthly increase in interest and cash flow. I have contacted the bank and asked to refinance both XXXX and XXXX mortgages at a lower interest rate so I can keep my house but i was rejected. My income remains the same as XX/XX/XXXX. I am current with my mortgage now but in 2 months my savings will be depleted and i would probably loose my home. I would like to keep my home and refinance/modify the XXXX and XXXX mortgage back to XX/XX/XXXX levels.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Being the beginning of the year, I decided to update my passwords and security questions on all my cc accounts. I started with my XXXX card serviced through Barclays. I was surprised that the website did n't ask for my password, instead it asked me questions that I had never submitted as security questions. Not feeling very comfortable I called the phone number and spent several minutes trying to confirm the correct website address - the rep advised that I had to provide my TIN and DOB to be able to provide me with the website address. I refused and finally got the address from her, but when I tried it, again, I had no luck. I tried to answer the questions, however, it did n't work. It asked several questions about people and places I was unfamiliar with - so I answered those and it tells me this failed and the site was blocked. So, I tried sending an e-mail, but that info is not provided unless you can access your account. I tried calling customer service again to ask for an e-mail address ; and again refused to provide personal info as I do n't believe this should be required for non-confidential info. After 10 minutes and getting transferred to a supervisor/manager, I 'm told they do not have e-mail addresses. I 'm also told that I must provide personal & confidential info so they can decide if they will assist me to close the account. I asked for another method besides phone to close the account, as I also could n't access the website. She advised I could only close by phone. I was told I could n't close it from the website, this institution does n't have physical sites, and I ca n't go through XXXX, as Barclays is the servicer of the credit card accounts. 
What can be done to cancel an account if the consumer does n't feel confident with the person on the phone or the security of the corporation? This company has a horrible website security profile and the phone is n't any better.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been paying my student loan pretty regularly until recently when I had gotten behind one month but have since caught up. However, Navient calls both my dad ( co-signer ) and me SEVERAL TIMES A DAY BEGINNING AT OR CLOSE TO XXXX AND ENDING SOMETIMES AFTER XXXX I have communicated this to them but they refuse to quit calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: WELLS FARGO & COMPANY
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I had been involved with a Wells Fargo Bogus Loan.The only way I knew about this was when it popped up on my credit report.I had banked @ Wells Fargo For years { off and on } Around XX/XX/XXXX-XX/XX/XXXX-Or so, { cant pinpoint the date, due to all information was on an old computer } Any way, The Bank had an outstanding loan out on me that i was not aware of, I had a loan a few years before, However it was paid and satisfied.I spoke with the company { wells } XXXX branch, About the loan that was not mine.They would not budge on assisting me in resolving the issue.My credit is what suffered! I had finally contacted the Federal Trade Commission about the bogus loan or mistaken identity loan out in my name.As far as i know, this was never resolved? Now fast forwarding to the issues with said bank practices ... I have to wonder if i was a victim of this fraudulent practice as well.And i have no idea on how to move forward with resolving this issue on my credit report.During this fiasco..I had several XXXX in my account.More than 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 2017-01-13
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Delinquent account

Complaint:
I settled a debt with BARCLAYS CREDIT CARD thru their XXXX XXXX XXXX XXXX XXXX XXXX. My original debt was around {$1800.00} and we agreed to settle for the amount of {$900.00} four monthly payments were deducted from my bank account ending in XXXX. This account was paid per settlement agreement on XXXX 2016. I was aware and accepted that I will receive a XXXX at the end of the year to report on my Federal Income Tax. The issue is that I have, is that BARCLAYS CREDIT CARD refuses to update this account as settled and paid with the XXXX major credit bureaus. I have sent them letters and called but they still have not complied with my request. I had my Credit report pulled by XXXX on XXXX/XXXX/2016 and this is the information that still shows on the account attached to this particular account : " ACCT SUBMITTED TO COLLECTION ; DISPUTE RESOLVED - CONSUMER DISAGREES ; CLOSED BY CREDITOR ; PAID ; CUSTOMER UNABLE TO LOCATE SUBJECT ''

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 2016-08-21
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have an unverified account from SYNCB/SAMS CLUB. I had previously disputed this account. I have never done business with SYNCB/SAMS CLUB pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SYNCB/SAMS CLUB Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SYNCB/SAMS CLUB Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a Walmart Credit Card. My balance was near the limit and I have been making the payments consisting for the past two years. Just now I have been attempting to improve my credit score and I made a large payment and now after Walmart Credit has decided to review my account and reduced my credit limit which is now going to hurt my credit score instead of improving. Never mind the fact that I have made every payment on time and now that they see I am attempting to reduce the balance which help my credit rating they decide to take action after I made a substantial monthly payment. I seriously questioned the timing and they can use whatever excuse they want but they are wrong. Now my credit score is going to go down. Consumers need to know how Walmart Credit operates. They do n't base on you being a loyal customer who pays their monthly payments on time they decided to do a credit check after they received my payment on XXXX XXXX. I do n't buy it because they know I am attempting to reduced my balance and I will keep doing it until this account is closed. Done with XXXX company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be authenticated ( A ). I will take legal action against you if you do not validate these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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