BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX I opened the Verizon Credit Card through Synchrony bank. The reason I opened this account was because I was promised I would receive {$200.00} dollars if I spent {$500.00} dollars using this card within one month which I did. I have been waiting to receive the credit and I have not received anything. Today, XX/XX/XXXX I called Synchrony bank twice and the first time the representative transferred my phone call to XXXX saying that they would be able to help me, but she also gave me a phone number that I tried calling and who know what that place is. The phone number she gave me was XXXX I called again after realizing that that was not a working phone number for Verizon credit card and the next agent told me that Synchrony bank does not deal with promotions like that and that I had to call Verizon phone directly. So, I called Verizon and the representative told me that the ones who deal with promotions are Synchrony bank. 
So, I just decided to contact you to receive help because now nobody is willing to help me when its time to pay. 
They record all the phone calls. Pull up the recorded calls.

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 2019-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was out of work in XXXX of XXXX for one month. I missed a credit card payment, and they reported me to al three credit bureaus. I did send them a letter asking for a " goodwill '' adjustment. I have not heard from them. This letter was submitted on XX/XX/XXXX. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company XXXX XXXX XXXX is trying to collect a debt of {$500.00}, I called them and I called my insurance, both sides told me the hospital didnt do their part and didnt sent the right paperwork for my insurance to paid it. And now they are trying to charged me something I did no owed, it was their job to send my insurance the right paper work and they still havent done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Diversified Adjustment Service, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to dispute this company off my credit report for years. Account was opened after my identification was stolen in 2019 this debit came about months after.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I'm still perplexed the way this account of capital one is reporting on my credit report. I've already spoke to the representative at Capital One and I've already went ahead and paid off this account in full and I don't understand why it's still showing charged off with a balance. The money has already been deducted from my bank account of over $ XXXX. 

Therefore, I am writing to dispute the information in my credit report that I received. This item Capital ONE, Account # XXXX is incorrectly reporting a current status of charged off with a balance of $ XXXX+. Again, this is inaccurate as this account was settled directly with them and paid off the entire balance that we agreed. I am requesting that the status be updated to reflect the account is now Paid as Agreed. '' or this tradeline completely deleted/removed. Please investigate this matter and correct the dispute item immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have had the same low credit limit for almost three years now despite a perfect payment record and paying off my balance in full most of the time. One of the reasons for not increasing my limit to a reasonable level is that I use too much of my limit each month. However, with such a low limit, even using it just a little results in what looks like high usage. The fact that I pay off the balance in full virtually each month should indicate I can handle a modest increase in this limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2021-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 would like to inform you that I have strange activity in my credit report. It seems like somebody just filed fraud accounts I can not understand how that possible. But I kindly asking you to delete them all as these account and inquiry are not mine.

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 2017-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
This is a complaint against Bank of America. I recently opened an account with bank of america in branch for a small business account for a bonus of {$500.00}. 

The terms were as follows make deposits of {$5000.00} within the first 60 days and make XXXX in purchases on a new BofA credit card ( thus I should recieve XXXX ). I did both and I waited and waited. I made sure to go back into branch and was assured that I had met the terms of the bonus. I even called the bank directly, again I was told the bonus would post and no action was needed on my part. Multiple reps assured me that I had met the terms of the bonus. No bonus was forthcoming. I called today and was told that now after the fact I did not meet the terms of the bonusno clear explanation as to why the direct deposit I completed didnt count. When confronted on what others had told me the individual on the phone simply stated, I dont know what to tell you. '' An investigation was opened. ( I am not hopeful ). This is an extremely shady way to operate. Bank of America should pay out the bonus offer as specified. 

I will file a complaint with the AG office in my state of MA and send this complaint over to Senator XXXX office. This is outright deceitful to 1. tell me I met the terms ( when I didnt ), and then deny the bonus ex-post facto the bonus date had passed.

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 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To whom it May Concern, I am in need of your assistance. I have been trying to get inaccurate information that is showing on my credit file removed. Here are the items that is inaccurately reporting or is not mine. 

The accounts below are not mine : 1. XXXX XXXX - XXXX XXXX  showing on Transunion and XXXX 2. XXXX XXXX - XXXX that is showing on XXXX and XXXX 3. Bankruptcy XXXX that was filed in XX/XX/XXXX The below accounts is inaccurately reporting late : 1. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; Transunion, XXXX, and XXXX is XXXX inaccurate lates 2. XXXX XXXX - I was never 30 days late in XX/XX/XXXX ; Transunion, XXXX, and XXXX is reporting inaccurate lates 3. XXXX  - I was never 30 days late in XX/XX/XXXX ; XXXX is reporting inaccurate lates 4XXXX XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; Transunion , XXXX XXXX and XXXX is reporting inaccurate lates 5. XXXX XXXX - I was never 30 or 60 days late in XX/XX/XXXX through XX/XX/XXXX ; Transunion, XXXX, and XXXX is reporting inaccurate lates The following address information is not mine : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8900.00}, {$0.00}, {$8000.00}, {$21000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 


-- PERSONAL ACCOUNT 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$21000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Scott Fetzer Financial Group Inc.
State: AZ
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 a loan with UNITED CONSUMER FINL S, XXXX/XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, UNITED CONSUMER FINL S,  XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: EQUIFAX, INC.
State: OH
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 XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Attention : Mail Stop XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX RE : Loan # XXXX To Whom It May Concern : I am disappointed in the unethical practices I have witnessed regarding my loan, # XXXX. I suffered Covid hardship due to the long rent moratorium imposed in New York state. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a modification lowering my interest rate to 2.875 % and the payment, {$730.00}. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a loan modification lowering my interest rate to 2.875 %, and the payment, {$750.00}. 

On XX/XX/XXXX, you wrote me a letter stating I was eligible for a loan modification lowering my interest rate to 3.125 %, and the payment, {$780.00}. 

On XX/XX/XXXX, you sent me a mortgage statement with a payment due on XX/XX/XXXX, with the interest rate jumping to 6.875 % and the payment increasing to {$1000.00}. 

When I called Santander Bank on XX/XX/XXXX to question why the payment increased your representative replied reading a written statement there was a difference in taxes and insurances. When I questioned her that would not increase my payment that much, what increased the payment was you increased the interest rate to 6.875 % which raised the payment, she hung up on me. Is this the policy you advise your representatives when the customer catches you almost tripled the interest rate? 

I have paid every reduced payment you requested in the loan modification and am XXXX month ahead. You intentionally failed to send me a formal contract reflecting the 2.875 % rate and lowered payment even though I met your requirements. Instead, you chose to ignore the proposal you offered and ignore the fact I made the payments timely and increase the interest rate to 6.875 %. 

You leave me no choice to report your unethical, fraudulent practices. 
Sincerely, 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 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Im accordance with the Fair Credit Reporting Act XXXX account # XXXX violated my rights. 

15 U.S.C 1681 Section 602 A, states I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2, also states that consumer reporting agencies can not furnish a account without my written instructions.

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 2022-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have been contacted multiple times by phone and us mail from a company called portfolio recovery. i have no idea what the account is for. i have asked them via us mail and email to please verify the information and they have not. I have been denied credit and a place to live because they reported to all 3 credit bureaus that i owe them {$410.00} and I do not. They refuse to verify this information. I have no idea what this account is for so I asked them to please verify with the below : 1. a signed application by me agreeing to any contract with portfolio recovery associates llc 2. a signed application by me agreeing to a credit card with XXXX XXXX XXXXXXXX 3. a complete itemization of all charges, including purchases along with the interest rate 4. the complete account number with XXXX XXXX XXXX 5. the age of the debt 6. portfolio recovery associates llc associates license number 7. portfolio recovery associates proof of ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I DO NOT HAVE ANY SIGNED CONTRACT ( S ) WITH GLA COLLECTION COMPANY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed items with this credit bureau more than once about a tax lien, XXXX bankruptcies, and unauthorized inquiries. The dispute has been more than 30 days. I filed a dispute online and also mailed in a dispute by US mail over a month ago. Neither one of the disputes were answered, and when I filed an complaint with CFPB the credit bureau tries to justify their actions, which are not acceptable nor tolerated. In regards to my disputes I went to the Federal court clerk and I asked them do they verify accounts to the credit bureaus about court cases, and they stated they do not verify with credit bureaus. First of all nobody has permission written or verbal to disclose about my personal affairs. They said the disputed items came back verified by the court, which the court said they do not verify, and in my case since I owe XXXX balance, zero liability that the case was vacated and dismissed. So I want to know where they are getting this third party information from. If it is not from me or the federal court, then who did the verification come from? All of this is defined as " hear say '', and can not be used to verify anything.

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 2019-11-27
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our escrow account has been mismanaged : Escrow has been impounded since origination at our convenience. In 2019, we noted that escrow was being impounded at rates significantly in excess of the stated property bills due to supplemental property tax bills that Shellpoint does not handle. We contacted Shellpoint and asked for a refund of the excess in the escrow account so that we could make payment on the account.

Shellpoint was unable to indicate if/when this was possible. We received multiple conflicting statements of balances that would be refunded, none of which reconciled to any amounts.

Additionally, Shellpoint made payment on our earthquake insurance policy, which is not a bill that historically been escrowed/paid for by Shellpoint, as this amount has always been paid out of pocket. This was subsequently refunded by our insurance provider, but put the amount being placed into escrow out of balance. Conversation with customer service indicates that they dont know what bills are supposed to be paid. 
We have been unable to track what payments have been made on our behalf. We have spent significant time and effort on the phone, on hold, and with customer service agents who dont know whats happening. 
We received multiple sets of conflicting instructions on how to get the escrow requirement removed. Multiple requests were denied for not following proper instructions, despite following instructions exactly as provided each time. Final request to eliminate the escrow requirement were denied. 
In response, we are refinancing our loan. Payoff letter generated included the property tax payment due XX/XX/XXXX19 as part of the payoff balance in addition to principal, interest, and fees, despite having over {$20000.00} in the escrow account, and that they would not use the escrow funds to pay. Customer service for Shellpoint ( via conference call with both homeowners ) that if we paid the upcoming tax bill in full and sent them a receipt, they would remove the upcoming tax payment from the payoff amount. Email receipt was emailed to Shellpoint on XX/XX/XXXX19. On XX/XX/XXXX19,  Shellpoint sent a payment for the tax bill using funds in the escrow account ; however, that amount has already been paid. Customer service indicated that the tax assessor would refund the amount directly to the homeowner. Call to the tax assessor indicates that they have not received the check and that payment will be refunded to the originator ( Shellpoint. ) Call to Shellpoint is unwilling to put a stop payment on the check. 


At all steps along the way, customer service has been rude and unknowledgeable. Representatives have denied that conversations happened, despite the prior calls not being with that specific customer service representative. Requests to escalate to a supervisor or managers are uniformly denied. Representatives have said that they do not accept or acknowledge complaints.

Company response to consumer: Closed with explanation