BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-31
Company: Synerprise Consulting Services, Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a collection report on my credit for XXXX XXXX   in the amount of {$290.00} I do not remember this doctor but would have used my insurance to have labs done. Please send a copy of the labs I am being charged for so this can be cleared off my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, XXXX only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at XXXX and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
On XX/XX/2022 I made a small purchase from a local merchant in the XXXX. The clerk mis-rang the purchase, immediately noted it, and reversed the charge, minus the delta that I owed, right away, while I was still in the store. Upon returning to the US, and receiving my credit card statement from Bank of America XXXX Bank of America applied to wildly different foreign exchange rates to the purchase, and then the immediate refund, causing a charge to me of {$500.00}. After mulitple hours on the phone with Bank of America customer service, they claim they can do nothing about the exchange rate, and that I have to pay the {$500.00}, or that it is the merchant 's fault. As evidenced from the bill that they sent me, the merchant did everything correctly.

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 2022-01-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I Have been trying to get All three Credit reports for 3 years now and Excuses have been made and access denied. 
Now my identity has been Stolen. I reported identity theft for Myself and my dead granparents. I have the report numbers. I reported it to. FTC and to the Fbi. I was part of an equifax data breach of my grandmothers in 2017. Now i got part access to one report. A Manager from equifax used my informatiom and allowed someone to open accounts in my name and Withdraw and transfer money. XXXX XXXX XXXX at Equifax. The Managers should be monitored and checked. Now that they are done collecting and transferring money and spending accounts in my name i Can access part of one report. Nebraska XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and a few other. I couldnt have access but someone else could?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions 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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. I do not understand why they are abusing consumers XXXXThis 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 XXXX more than 21 times. XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2015-07-24
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX contacted me via email. I contacted the number on the email. I asked the representative what were the minimum criteria to qualify for the offer. She explained she did n't know and forwarded me to a credit analyst at Citibank. She also gave me the direct line in case the call were dropped. I asked the credit analyst representative what were the minimum requirements to qualify for the credit card. I also gave him my XXXX credit scores. He stated there were various factors and that there were no minimum requirements to qualify. 

I decided to apply for the credit card based on the information the credit analyst provided. Specifically, that there were no minimum requirements. I applied for the card using the link provided in the email. I was declined immediately. Upon calling XXXX XXXX back and being connected to Citibanks information line. I learned that I was declined based on a bankruptcy I had XXXX years ago. I would not have applied had the credit analyst given me this information before I applied. I requested " minimum requirements " Now, I have a " hard pull '' on my credit report reflecting the denial. This damages my credit! 

Deceptive practices. 


I have worked very hard to get my credit rating back to good standing. Only to be deceived by companies such as Citibank and XXXX. I am requesting to be made whole.with further facts to be presented.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I am writing this letter about my synchrony bank amazon credit card, This is my third letter on amazon credit card in regards to dispute charges and balances not corresponding with available credit on my statements also charges not recognized. 
I called several time to amazon and synchrony bank but no one can not give me a positive answer on what is going, although the balances on the account is not matching the available credit. Checking the previous months to now the balances and credit available is not right on the account including purchases and payments made. I have tried in many ways to resolved this matter with them but everyone I spoke to give me a different answer. I would like to have an investigation done and also matter need to be justified accordingly. Thank you .XXXX  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 2022-07-26
Company: Experian Information Solutions Inc.
State: PA
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:
On XX/XX/2022, I sent an investigation letter to Experian to check on every piece of information on the accounts I have listed below. I have attached the letter I sent out and here is the tracking number : XXXX. I told them to check everything on my report to ensure everything is 100 % accurate. 

According to 15 USC 1681 section 603 ( 3 ) ( E ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

Experian responded on XX/XX/2022 stating they conducted an investigation and everything is accurate per report # XXXX. On XX/XX/2022, I asked them how did they investigate if everything wasn't 100 % accurate and items on my credit report are still not accurate. I attached this letter and the tracking number for that letter is : XXXX. Per report # XXXX that was received on XX/XX/2022, Experian stated that my accounts were properly investigated. How is that possible if they did not do a proper investigation according to the law. Also, the following information on these accounts are still not reporting 100 % accurate ; number of months ( terms ), the payment status, and the date last active, and payment history are all inaccurate. I also attached the credit reports that are showing the inaccuracies. 

Account name : XXXX XXXX XXXX ( XXXX ) Account # : XXXX Account name : XXXX XXXX XXXX Account # : XXXX That is grounds for removal and they also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681 : According to : 15 USC 1681 Section 602 A. States I have the right to privacy According to : 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to : 15 USC 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 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 2023-02-24
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XXXX XXXX XXXX I made took advantage of a 0 % apr on balance transfers. I transfered {$3000.00} with a {$150.00} transfer fee. the promotion negated any other " grace periods '' on purchases. 
this was reflected on the subsequent statement : {$3000.00} Balance transfere {$150.00} transfer fee {$1100.00} in purchases {$2300.00} in payments leaving XXXX as the balance ( {$3000.00} transfer, {$150.00} fee, {$250.00} purchases ) two payments were made towards this statement- {$540.00} and {$95.00} ( total XXXX  ) the next statement showed a reduction in the 0 % interest balance to {$2800.00} and interest charges on {$280.00} of purchases.the balance due for this statement including new purchases was {$3400.00}. 
on XXXX I called and inquired as to why there was interest being charged on the purchases and why the balance for teh 0 % interest was lower. I was informed that interest will be accued from the date of purchase unless paid off prior to the statement date. as a courtesy they removed the interest charge of {$4.00} bringing the statement balance to {$3400.00} with this knowlege I made payments of {$550.00}, to reduce balance due to {$2800.00} ( slightly above teh amoutn shown for the 0 % interest ) and then payments of {$260.00}, {$240.00} and, {$78.00}, to cover new purchases after they have been made. Which should have left the next statement balance at {$2800.00} - {$2800.00} at 0 % and {$31.00} of new purchases at the variable interest rate. 

the next and most recent statement showed a balance due of {$2800.00}, {$2500.00} at 0 %, interest charges of {$8.00} and {$550.00} subject to the variable interest rate! 
on XXXX I called to ask why this was going on and I was told that any payments in excess of the minimum payment would be directed towards the balance bearing the highest interest rate ( so far so good ) but that they would only apply payments to the 0 % balance and not the balance of purchases becausse they were incapable of doing so even though the new purchase balance bears the highest interest rate. if they are capable of tracking new purchases to charge interest they should be capable of applying payments to that balance. 

I asked for a supervisor multiple times, and was finally transfered to a supervisor, who said that it was too bad that was how it works, and also refused to confirm that they would not apply payments to the new purchase balance even though that was the balance that bears the highest interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I filed FTC Report because there are inaccurate accounts on my credit report and nobody will help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
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: Their investigation did not fix an error on your report

Complaint:
I have included a letter to each of the 3 major bureaus involved in this complaint. They have all been complicit with the companies reporting in my credit files in violating law by not providing me with verified PROOF of the accounts validity. I have been monitoring my credit for months now and XXXX, TransUnion, and XXXX have simply taken companies words that the accounts are supposedly mine, verified, and valid instead of providing signed proof that they are. This opens the floodgates to false accounts just sitting on peoples credit reports! Reps from these bureaus will even tell you that they arent required to give proof, as if that makes sense. Seriously? That is completely absurd. Essentially, XXXX, XXXX, and TransUnion are all claiming that truly unverified, invalidated accounts are " valid '', " reporting correctly '', " mine '', and " verified ''. Under the FCRA, they are supposed to validate these accounts with original consumer contracts bearing my actual signature. They have not done that -- and remember, it has been MONTHS of them refusing to do their due diligence. By the way, there is an account that I have made note of in the attached letters that is reporting twice under two different namesXXXX XXXX ( who illegally put a false judgment on my public record ) and XXXX XXXX XXXX. Complaints will also be filed against these two as well.

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 2020-11-23
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Received a loan you didn't apply for

Complaint:
I have dispute this creditor and they say I owe it which I never sign for any car loan. I demand it off my credit report its not mine. Someone else used my credit and received a car not me. If its not off I will sue the company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: EQUIFAX, INC.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
EQUIFAX HAS LISTED THIS FRUADULENT ACCOUNT ON MY CREDIT REPORT WHICH IS NOT MINE THIS IS IDENITY THEIF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fedloan servicing has reopened my student loans after 10years under their proposed repayment plan which I completed in full with the rest of my debt forgiven. They put me in default and forced me into another payment arrangement plan in XXXX. As of XX/XX/XXXX I had my student loan interest put into forbearance under the CARES Act. Fedloan then inaccurately reported my student loan debt as deferred rather than lawfully paused, causing an 87 point decline in my credit score. I have contacted them multiple times regarding the inaccurate information and they refused to correct the remarks repeatedly. I have submitted disputes with all three credit reporting bureaus and each time Fedloan flat out refused to correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 accounts do not belong to me : XXXX XXXX XXXX   XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX # XXXX account number unlisted Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified 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 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

I spoke with XXXX XXXX and they stated the dispute comments would be removed. I am not disputing this account. They sent an electronic request to you all to have the dispute comments removed. The confirmation # for this request is # 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 2022-07-26
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX Payoff payment in amount of XXXX sent to AidVantage, XXXX, Oregon by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. This payment was sent to wrong address, This was a XXXX Account. XXXX XXXX XXXX XXXX XXXX said Aidvantage processed the check on XXXX Contacting Aidvantage they have no info or account info. Referred me back to XXXX. XXXX XXXX from XXXX states payment sent to wrong address, payment can not be returned or refunded to me. Refund has to come from XXXX Treasury. 2-4 weeks. XXXX No refund has of today. Unable to make contact with US Treasury, live person not available. Recontacted Aidvantage, no account info. Recontacted XXXX, gave me a consumer advocate number, XXXX, waiting for return call. Aidvantage, XXXX XXXX XXXX, XXXX, Oregon, XXXX Navient, XXXX XXXX XXXX, XXXX, PA XXXX XXXX Complaint was filed against XXXX, there response was basically call AidVantage, of which they have no account info. Copy of complaint has been sent to XXXX XXXX XXXX XXXX for payment tracing ie who cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was contacted about a payday loan i was harrassed on my telephone ... i felt i was treated unfairly i atated to man i was  XXXX  he stated unless u got ssi  XXXX  u are not  XXXX  i stated that was on   XXXX   XXXX   XXXX   ... ..He ask how was making ends me i stated i stayed low income housing ... .He said so u living off the system..He kept harrassing so i clicked the telephone on him. He called i explained he has no right to talk to me like that ... So finally i blocked the calls. I understand i have to pay the loan i said i could borrow some money to make a payment he said no he waa going with a civil suit so his client get there money ... I was harrassed terribly im human he didnt talk to me like that ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I've tried to have this settled but they are persistent on charging me for the full total balance. this was the a lease that I had for a few months I fell behind on payments but the car was repossessed and they got the car back. now they're charging me for the full balance of what the car is worth XXXX but it was at lease. I should not have to pay for what the car is worth when I only agreed to lease.

Company response to consumer: Closed with explanation