BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I went to    XXXX   XXXX   XXXX   XXXX   (    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ,     CA - Ph. no  XXXX  ) for minor filing services  o  n   XXXX   XXXX    2017.  I provided my insurance information and paid the patient share via debit card on same. They still   submitted an application for 'Care Credit ' without my authorization. I disputed the claim through '  XXXX   ' and also contacted the Care Credit 's finance department to have this inquiry removed. I have not received any response from Care Credit department regarding removing the inquiry. As the   XXXX   XXXX   office also over billed me for {$900.00}, I went to their office again  on   XXXX   XXXX    2017 t     o ha ve  the am ounts removed. They acknowledged the error and told me the charges would be removed. To my surprise, they ran another credit check and I received a second alert from  XXXX  that another credit application was applied under my name. I have contact both Care Credit department and   XXXX   XXXX   office multiple times. They always acknowledge the error, since they have absolutely no proof of my authorization, yet they never send me any documents that would help me remove these in quires from 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 non-monetary relief
Consumer complaint received 2015-11-25
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A past due balance with my vacation company was submitted to Pinnacle Recovery after 30+ days of non-payment. I never received any written notice of what was owed and I was never given the opportunity to dispute their claim. The individual assigned to my " case '' was not helpful. I tried to work with a supervisor and was rebuffed. They will not verify the actual amount owed and will only take care of business over the phone. I am attempting to pay the debt in installments, but they will not allow that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I noticed that there were transactions done with my debit card not done nor authorized by me, the same day I notified the bank that such transactions were unauthorized/fraudulent. They open a case and today XX/XX/2022 I received a notice that the bank had closed the claim and had determined the transactions were infact mine and I was not to receive any credit for it.

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 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-03-21
Company: Genesis FS Card Services, Inc.
State: OH
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:
CB INDIGO/GFXXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( 7 ) Any other error described in regulations of the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I took out a personal loan of XXXX with OneMain Financial in XXXX of XXXX. I have paid on time every month since up until XX/XX/XXXX. However, the balance has not changed much since the beginning of the loan. I do not feel as if the payments are being applied correctly. I have spoke to several employees at the XXXX OneMain office who is not able to help me understand why the balance is not decreasing. One stated that the interest is gained daily whether you have paid or not. I do not remember reading this in the contract or being told of this. Please help me in this situation. I have attached my first billing statement and my current billing statement for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: National Creditors Connection, Inc
State: MS
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I called   XXXX   XXXX   on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me mor e than 2 weeks prior. Then I receive a letter from NCCI a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sending door knockers for no apparent reason after they have already received calls in order to bill a mortgage holder fo r services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2022-03-21
Company: Ocwen Financial Corporation
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage was purchased. PHH Mortgage Services is the service company for my Loan. When I purchased the home through the original mortgage company ( Bank ), I was not required to have flood insurance. The documentation in the closing documents demonstrated the fact that the existing structure, is not affected and is not in the flood plain. 

PHH Mortgage is now stating that I have to have flood insurance. They are threating to force-place flood insurance even though I have supplied the supporting documentation. They will not respond to emails and are heavy handed. 

I do not see how PHH Mortgage can now change requirements or what was agreed upon previously. In making the legal transfer of a right, I do not see how they can now require the flood insurance. If they would have carefully looked at the closing documentation they should have seen that flood insurance was not required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint:
Midland filed a civil complaint in court. Per arbitration agreement in the credit card agreement, I am entitled to private contractual arbitration. I elected arbitration timely : I sent a letter electing arbitration to the attorney ; I also filed a motion to stay pending arbitration. XXXX XXXX XXXX ( XXXX ) is the former specified in the arbitration agreement. I then filed with XXXX a demand for arbitration. However, Midland refuse to arbitrate by no complying with XXXX 's request to adhere to the policy regarding consumer claims. In all, my complaint is that Midland is suing me ( consumer ) for contracts with arbitration terms but refuse to arbitrate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2021-08-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
When I open the Roth IRA account XXXX with ally. 
Ally officially told me they would not charge any fee if I moved my money to other bank after 6 months. 
I opened XXXX and moved out XXXX, that is much more than 6 months. 
They charged me {$25.00} without letting me know. 
I contacted them twice for refund. No answers.

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 2018-02-26
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a previous complaint with Diversified Consultants Inc ( XXXX ) which the findings from that complaint explained that they sent me an initial balance letter on XX/XX/2017. I did not request a balance letter, I requested a validation letter bearing my signature which they never provided. In that same complaint, they stated that they requested validation from XXXX and that XXXX would mail me a validation letter. I never received a debt validation letter from XXXX with something bearing my signature that said I am responsible for a debt. Furthermore, DCI is the company who is listed on my credit reports so they are solely responsible for sending me a validation with a contract I signed bearing my signature, not XXXX. 

Furthermore, after doing some additional research, I found out that DCI ( Diversified Consultants ) is not even licensed to collect in my state ( IL ) according to our Illinois state records so they should not be reporting anything to the credit bureaus in regard to me anyway! I would like all collection efforts to cease and as my initial validation request stated, I'd like them completely removed from all credit reporting agencies ASAP!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My complaint is against Transunion credit bureau. Back in XX/XX/XXXX I sent them a letter regarding the following account : XXXX XXXX Bank Account # XXXX, open : XX/XX/2012, status closed with {$0.00} balance. The letter was to indicate the credit bureau that the mentioned account was fraud related. I also sent them a Federal Trade Commission Report indicating what had happened. So the removed the mentioned account and suddenly when I checked my reports I saw that they re-inserted the fraudulent account. I want Transunion Credit Bureau to remove the mentioned account as soon as possible like they had done, due to fraudulent activity. Im attaching the 2 reports, one without account and the other with the account back. Im also attaching letter I sent them back on XXXX with FTC report. PLEASE REMOVE ACCOUNT, IM A VICTIM OF FRAUD.

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 2022-03-21
Company: OneMain Finance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/2022, I called the XXXX OneMain office to advise our automatic payment would need to be moved from XX/XX/XXXX to XX/XX/XXXX, due to complications with finances after my husband changed jobs. XXXX, the store manager, offered a deferment of principal if we paid the interest portion on XX/XX/XXXX. I accepted the loss mitigation offer and advised that the email on the loan needed to updated to my email and my husband 's email removed. I was advised this happened and then set up the post-dated payment for XX/XX/XXXX. In the past, during calls soliciting new loans, my husband has asked for his cell phone not to be called. On XX/XX/XXXX ( may not be the right date, it was before the XXXX and after the XXXX ), XXXX from the same OneMain office called my husband 's cell phone and asked when we would be making the remainder of the XXXX payment after I had already made the arrangements for the deferment and had the payment for the interest portion post-dated. I advised him then that the phone call was not warranted as I had already called and made arrangements. Then, on XX/XX/XXXX, our interest portion was debited from our account but the confirmation email was sent to the wrong email. This is 3 violations of contact rules in less than 30 days. 

In addition to this, I was lied to in the beginning when we signed the loan and had to correct the person closing the loan. I asked if there were any prepayment penalties for paying off the loan early and was advised there would be none. I clarified by asking if I paid a lump sum, it would be applied to the principal and accrued interest for that month and any fees and the loan would be paid out, right? She advised, no, the lump sum would be applied to payments and extended out. I told her then that is considered a prepayment penalty and then I would not actually be able to pay out the loan whenever I chose. This is a deliberate lie being told to these customers. I don't know if they have since changed their policy, but as far as I know, I was lied to and am trapped in this loan until the term is completed. At the time, I had no choice because I needed the money but I find it unacceptable that they would advise this, especially to people who do not have the knowledge about lending that I do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

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 2016-12-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I filed a claim on XX/XX/XXXX ( Card Benefit Services Claim XXXX ) for travel interruption/cancelation because I had to cancel the return flight booked with Chase Sapphire Reserve because my mother got sick on same day and admitted to emergency. I had to postpone my return and later rebook a week later. I filed claim with chase and sent in everything they asked including the claim form, the original round trip, the canceled one and the final flight and a letter from doctor. After 2 weeks, they replied back saying I should send this and that and they are all same thing I sent/emailed them 2 weeks ago. So I called on XX/XX/XXXX. and they said I should speak to a claim examiner and they are not available to talk and I should just wait for some calls or replies, On XX/XX/XXXX, Someone who introduced herself as XXXX , called me and told me they received everything BUT that XXXX XXXX paid for my return flight on XXXX XXXX . She says XXXX gave me XXXX XXXX points and {$88.00} first and I used those to book the return flight. I was like what? What 's this nonsense about XXXX booked my return flight on XXXX and XXXX gave me XXXX points and {$88.00} to book my return flight on XXXX? I have my own XXXX XXXX frequent flyer account and used my own XXXX XXXX points plus tax for XXXX people to book return flight from XXXX. You can see that in the email too.She Just made up a lie as an excuse to deny the claim. The original round trip was booked with my Chase credit card points on XXXX XXXX. I could n't return on return date due to emergency issue with my mother and XXXX XXXX would n't re-book my return flight. So I had purchase a new flight tickets on XXXX XXXX using my XXXX XXXX XXXX avios points & {$88.00} plus in taxes. I have sent you guys EVERYTHING, all the original flights, canceled flight and my return flight and how they are paid. The rep XXXX just lied by saying XXXX told her I was re-booked by XXXX on XXXX flight and that XXXX paid the return flight for me. I told her stop talking nonsense and read all the docs I emailed them including how I paid for the XXXX flight with my own XXXX airways points and {$88.00} tax. I told her bring on the XXXX rep on phone that told you they re-booked the return and paid for my return flight. She put me on hold for 30 mins or longer and did n't bring XXXX rep and disconnected the phone line. When I called back, it was another rep who told me " I can appeal my claim ''. The benefit dept is playing game, being dishonest and engaging in dishonest and deceptive practice and even lying to ignore or deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have attempted many times to resolve this matter, this is an unauthorized account, I did not authorize this account, this is not my debt. The stress this has caused is overwhelming.

Company response to consumer: Closed with explanation