BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have written to the original credit who is DICK 's Sporting Good The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but Dick 's, Synchrony Bank or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.

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 2015-06-05
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I have had payment arrangements with this debt collector for several years now. Thay have been taking the arranged payment from my bank account on a monthly basis. The terms of my arrangement have expired and they claim that because I have n't contacted to make new arrangements, they have opted to sue me. XXXX days prior to being served, this company did take a payment from my account. I have never received any kind on notice outlining new payment arrangements.. I have never been sued and I find this to be just an excuse to get additional money from me. I am emotionally distraught over this. They have served me and I want to know if I shoulld retain a lawyer to protect me from any further action. I do n't want to tarnish a very good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
They contacted my employer to collect a debt, my employer is a corporate company who does not accept these calls. I can lose my job if they continue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened an American Express Platinum card with a XXXX bonus point offer this past XX/XX/XXXX. During the application, it asked me for my income, and, as I was a XXXX XXXX at the time, put {$0.00}. My card was still approved. For the first payment, I forgot to inform my checking account bank that I had a new credit card, so when they saw the payment, they flagged it as fraudulent. I straightened it out and paid off my debt as soon as I realized.
I met the spending requirement for the bonus points, but never received the bonus points or spent any bonus points at all. The account was fully paid off.
After this, American Express canceled my Platinum card. They say it was due to my {$0.00} income ( which they knew about when I applied ) and due to the fraud alert on the card ( which was not a genuine fraud ). I spoke with them on multiple occasions and was assured once I started my new job this summer after XXXX that they would reinstate the account.
I have now started my new job and called American Express to reinstate my account. They told me I would have to apply for a new Platinum card as they can not reopen the card. They told me that I will not be eligible for the XXXX bonus point offer because I previously held a Platinum card ( despite not receiving or using any bonus points whatsoever ). They refused to compromise on this situation and instead offered me a Platinum card without any bonus points attached at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have written to the original credit who is   XXXX   XXXX   XXXX   XXXX   The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but   XXXX   XXXX  ,   XXXX   XXXX    or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.

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 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
What happened is I wrote several letters to the credit reporting agencies XXXX and XXXX and Trans Union and I sent them a copy of my government identification and I requested a copy of my credit report from each of them. They all never responded and none of them ever sent me a copy of my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
Transunion has fail to provide me with results of my dispute that I have initiated since last year on accounts that collections companies have fail to provide with proper documentation, accounts closed and recent payments have been posted.

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 2016-09-29
Company: DISCOVER BANK
State: OK
Product: Credit card
Issue: Billing disputes

Complaint:
I rented a car from XXXX in XXXX XXXX for XX/XX/XXXX. It was a Hyundai Accent, XXXX I believe. I accepted the paperwork without checking the mileage ( unlimited allowed within XXXX California ) or the license plate ; I only inspected for damage trusting they were issuing me the correct car. All was fine, I drove about XXXX miles in XXXX XXXX, returned the car on time. 3 weeks later I see {$530.00} in additional charges on my Discovercard. XXXX sends me a XXXX violation showing the car violated a toll for XXXX cents in XXXX California at XXXX on XX/XX/XXXX. I assured XXXX they had issued me a different car and asked that they check paperwork on other Accents issued the same time. I also disputed the transaction with XXXX submitting the only evidence I could find, a photo of the car, not tag, that appears blue ; a Discovercard receipt I signed at XXXX in a XXXX XXXX restaurant same Friday, and a screen shot of my tee time that same day at a XXXX XXXX golf course. I offered sworn affidavits from myself, wife, son and daughter in law, and others who would attest we were in XXXX XXXX that Friday. Discovercard would not consider anything other than the rental agreement ; their people are trained apparently to disregard any evidence other than the rental agreement. The result is if a mutual error is made, vehicles are switched between XXXX weekly rentals occurring about the same time, Discovercard leaves no way for that to be proved because they wo n't request records from XXXX. My only option is to go to court XXXX miles away over a {$530.00} dispute. The {$530.00} is {$50.00} for an admin fee and {$480.00} because they say the toll violation proves I was driving outside the restricted area. I do not believe Discovercard has conducted a " reasonable investigation '' when the only evidence they will consider is the document alleged to have been carelessly, or worse, issued. Yes I was careless in not confirming the paperwork matched the car but who would expect that to happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Since 2009, I have received student loans and have them serviced by Navient. Since them I have struggled to pay the payments on time. Calling Navient and requesting help is a waste of time. I have requested forbearance, IBR plans, etc and have only run into one person who actually allowed me to do it with one loan. Otherwise, apparently I am not eligible for no specific reason.
After reading about the recent CFPB complaints, they sound very similar to my experience with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Trans Union has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under sections 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. 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 explanation
Consumer complaint received 2017-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :   XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX  XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX   XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on  XXXX , and transunion and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.

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 2017-01-04
Company: DISCOVER BANK
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
Discover, I am very upset by the way my dispute is being handled. I am seriously considering transferring my balance and filing suit as a result of this dispute for {$470.00}. I initally filed the dispute because it was taking the appraisal company too long to send the documentation, even though as i have stated to you that i never needed the appraisal in the 1st place because i aready had one done myself. There was a mix-up in the communication and my card was never supposed to be ran in the 1st place. Either way XXXX agreed to cover the costs as stated in the email that I sent. I get a notification from discover saying that the case is closed and the merchants favor. I get this and call in on the week of XXXX to reopen the case and it is a hassle to get the case open which I do n't really understand. I am advised by your CSR to submit documentation showing that XXXX agreed to pay which I do. I called in on XXXX to see if the case has been reopened and get a runaround from your dispute team reviewing the documentation and they do not reopen the case based on word jargon. They get fixated on the fact that XXXX states in the email uploaded that I am getting cash back I refuse to reopen the case unless I provide documentation showing it which I have at this point. 
First and foremost I do n't understand why it is such a hassle to put something in dispute in the first place it is nothing like XXXX or other creditcard companies dispute process. I feel like you have to fight to get a dispute opened or reopened discover needed adapt amx 's or other credit card companies dispute process/ methodology. This is because it reopened I am not on close my account I am getting our family attorney involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: DISCOVER BANK
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have a savings account with Discover Bank. On XXXX XXXX, I submitted a request to Discover to verify an external account I have at XXXX XXXX XXXX. They made XXXX small deposits on Monday XX/XX/XXXX, then withdrew them out. On XXXX XXXX I submitted a request to transfer {$1900.00} from my savings to XXXX XXXX account. Discover bank withdrew it from my account on XXXX XXXX, but sent it through the ACH system with an effective date XX/XX/XXXX. It posted to my XXXX XXXX account on XX/XX/XXXX. The Federal Reserve does not debit Discover until the settlement date of the transaction. As a result, Discover held on to my money for 3 extra days and I lost 3 days worth of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Experian Information Solutions Inc.
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:
I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :  XXXX  : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX    : :   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  T  XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on experian, and   XXXX   and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.

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 2020-08-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
In XX/XX/2018 my Lease expired on the XXXX XXXX which was through XXXX. At this time I rolled it over into a purchase also with XXXX. At the same time I had a XXXX XXXX but didn't know. During my lease with XXXX I was on automatic payments through their website and payment were made in a timely fashion. I wanted to continue that payment arrangement. I tried to do that but for the first few months they couldn't get the system to function properly. Every time I would call to seek resolution I would end up repeating the same story and couldn't get to anyone to effect change nor could I get a ticket on the problem to reference or a case manager to handle the complaint. After months of the non resolution I stopped making payments and told XXXX I wanted to make payments the way I had for years but didn't want to pay by phone or by check that wasn't convenient. I did this in hopes that it would escalate the issue to someone that could effect change and fix the issue. After every contact with XXXX I told them ( the conversation was recorded ) that I would pay the amount due in full the minute I could pay electronically as I had in the past. My thought was if I continued to pay by mail or phone they would never fix the issue considering it had been months with no resolution. Perhaps non payment would get someone's attention. There are over ten recordings of me saying I would pay immediately if the web based product would function just as it had in the past. In XXXX they repossessed the car and send me a demand letter. Once again I said I would pay the amount due but only by their product that the other 99 % of their customers have access to and enjoy. At this point I felt discriminated against because I didn't have access to the same functions as other customers. I later got the NC AG involved and they wrote a letter on my behalf and agreed with me and we are now in a stalemate. Also XXXX falsified a insurance claim on this car while in their possession as it must have had some damage to it as the Insurance company called to follow up on the claim. This is now effecting my ability to purchase a home and want to access all free services before paying an attorney. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Today we received a notice from bank of America that they are selling my mortgage to another company called   XXXX   XXXX   XXXX   XXXX  , taking place as of   XXXX   XXXX   2017, which the reviews on his company are terrible, they also say that this company just keep charging you late fees when in fact you are paying your mortgage on time. Can I stop this practice of Bank of America from selling my mortgage to his company? What can we do as consumers? We received this notice 13 days before this change taking place.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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