BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX XXXX 2016 a criminal attempted to open a XXXX XXXX account in my name. I check my credit report daily through XXXX and noticed the inquiry on my credit reports. I immediately contacted XXXX XXXX who immediately cancelled the application and sent letters to TransUnion, XXXX and XXXX. As of XXXX XXXX 2016 TransUnion has refused repeatedly to remove the inquiry from my report despite multiple communications via certified mail from myself and 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 2016-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are multiple credit inquiries that I did not approve. The only ones on here I did approve were XXXX, XXXX XXXX and 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 explanation
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My equity line from XXXX XXXX ending in XXXX was reported XXXX XXXX late when it was paid and posted within 30 days. The XXXX reporting showed a statement that it was due on the XXXX of the month. Payment was made on the XXXX day. I have written all XXXX credit bureaus more than XXXX times for the same reason furnished statements and today even talked again with a " executive to the President '' person who called me after complaining about the bank on this site. The banker informed me today that indeed XXXX of those payments was received on the XXXX and processed on the XXXX so they were going to correct that reporting. However the same representative indicated that the payment had to post or be received on the XXXX not to be 30 days late. That same banker also indicated that the statement which I will attach has no meaning even if it indeed says payment was due on the XXXX of the month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Late fee

Complaint:
Filed a complaint about being charged a late fee, which in my opinion is abusive since technically my payment was made on the same day it was due, but was posted the next day because it was it was not made by the cutoff time set by Barclay. I was assessed a {$34.00} late fee, which I must work nearly XXXX hours to earn, and I 'm a head of household with XXXX dependents because I missed the cutoff by minutes. So your few minutes cost me XXXX hours of my labor, plus take food off the table for my dependents. I do n't believe my request is unreasonable to ask for a {$34.00} late fee be waived, considering you make a lot more than that over time in interest. First when I called to request your manager gave me attitude when he told me no one can waive that for you in a condescending tone. Second I filed a complaint, and a young lady by the name of XXXX from the office of the President called me twice, once on XXXX XXXX and XXXX XXXX, even though I called at least three times after the XXXX, no further attempts were made to call me, and instead you responded in writing with the nonsense that was provided by your agent, and manager. I do n't think you 're written response addressed my issue or concern appropriately. Your agent 's response, your manager 's response and your office of the President 's response was inadequate. You simply told me I already knew, and I did n't ask you to reiterate what I already knew. I expressed a deep concern that I felt your late fee was abusive, unfair and unjust for someone like myself who made the payment the same due it was due for a very large amount, and missed your so cutoff time by minutes but was assessed a late fee. Maybe you should focus your attention and invest on being more customer centric and doing the right thing for the customer when you know they have an issue, since obviously technology is not an option you 're willing to invest in. There really should be a difference in making the payment by XXXX on a given date as opposed to making payment by XXXX. It 's still the same calendar day, and it is processed electronically immediately. I could understand if we were behind on the times, and we still had a brick and mortar operation where I needed to get to a branch location before it closed, but that is not the case. This an electronic payment which was still processed on the due date. Like I stated its truly sad and unfair that I should to give up XXXX hours of my hard earned money for a few minutes of an obsolete cutoff time. The way you have handled my request and the amount of energy you have expended to not do a courtesy waiver is unbelievable. Just put XXXX of that same effort into doing the right thing for your customers and everyone will be happier on both sides. Once again I 'm requesting a courtesy waiver of an abusive, and unjust late fee.

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 2015-05-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have a Belks Credit card. I have paid it early every time and have been a loyal customer. I reported my card lost/stolen to belks. They issues me another card due to this situation. I also reported other Credit cards lost/stolen at the exact same time. I pull my credit report and belks put my XXXX card on there as CLOSED and then put another card on there as a brand new card. Never has this ever happened. So now I have a closed card and a brand new card opened on my credit report. This affected my credit score and it 's unfair. I complained to customer service XXXX so far and am given excuses as to why it 's there. Why do n't all companies show the credit bureau card was lost/stolen and then issue a new card. Why is it only belks that does this? If that was the case, I would have said forget it. Belks deceived me and I want answers NOW! I did n't ask for XXXX belk cards to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
GAP 's credit card company opened a collections claim against me and put it on my credit report. I have contacted them, and they removed the late fee on my account and I have sense made payment on my account. The delayed payment was an actual mistake the {$75.00} taken from my account was on a closed account and I contacted Gap Credit representative and told them about it and made a payment of {$75.00} soon after. Additionally, the company decided to lower my credit from {$1200.00} to {$250.00} without any warning for no reason at all, this impacted my credit score drastically. The new management of Gap Credit Card needs to do better, they have made poor decisions and it has negatively impacted my credit. I would like them to remove the delinquent payment of my credit report with FICO, XXXX, and XXXX. I would like them to restore my credit limit to {$1200.00} without negatively charging on 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 2017-03-15
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a letter from Walmart saying my credit card with them had been updated to a MasterCard. At the bottom it stated " If you do not wish to receive your Walmart Mastercard, please call XXXX by XXXX XXXX, 2017 '' I had missed the part reading " do not wish '', thinking it said if the card was not received by XXXX to call them. I called them when it was not received and discovered and realized what the sentence said. I found out it was too late to cancel the card. It will be mailed to me sometime in XXXX. I did not ask for this credit card, and do not want it. I had found it odd to receive this, but let it slide because I was going to cancel it when I received it. I have very good credit, and constantly receive offers in the mail, but this is the first time one is actually going to be mailed to me because I made a mistake in what I read. No other credit offers have done this.

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 2023-08-28
Company: DISCOVER BANK
State: KS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Due to repeated customer service issues and payments not being credited correctly despite being listed as posted, discover is refusing to credit my bill with the posted payments. They repeatedly lie that it is returned for nsf. I have on average 1.5 to 2x the entire limit of the card in my account at any given moment. they keep cancelling my autopay. 

Customer service has repeatedly treated me like an XXXX at both the first and second levels of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I used Transunion 's web site on XXXX XXXX, 2016 to get my credit report. They asked me to create an account and in the process to provide them XXXX credit card 's full details. I thought it was for the purpose of establishing my identity. 
As it turns out they charged the card {$1.00} for a service that I was not aware I was getting. NOWHERE did I see any message indicating that there will be a charge of any sort. I was basically charged without me being aware that there is any charge. This is outrageous and a deceptive practice. 

I called them to complain and they said " no refund ''. I ended up disputing the transaction with the credit card company. 

On a side note : If I legally deserve a free credit card report once a year, is there a reason why a clear way to get it is not provided on their web site?

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 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank, during the month of XXXX 2015 closed my Phillips 66 Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Phillips 66 Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Someone is using my credit cards and is opening up new credit cards and bills

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I went to lease a car from Mercedes Benz XXXX. We agreed to a lease of XXXX miles a year and XXXX down and XXXX a month. At the last minute they said there was an issue with my credit and I have to put XXXX down and pay XXXX a month. On top of that, my biggest and real complaint, was they switched the agreed XXXX miles to only XXXX miles on the contract. This is an absolute bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-14
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
I did receive feedback from the Synchrony bank XXXX, expires XXXX/XXXX/2018. that they were contacted by consumer finance government. I am still being sent a bill claiming that I owe the bank {$35.00}. It might have been reduced to {$9.00}. There was no change reflected on my bill. Please contact this bank again. I do not owe this bank any money from purchases made on the bank. This bank is charging me for insurance which was never purchased or used. I am simply a shopper at Amazon. 
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 monetary relief
Consumer complaint received 2015-05-15
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have requested numerous of times for a permanent modification in order to obtain a long term solution for my mortgage loan. However, PNC Bank refuses to offer such assistance in order to modify my loan from a " balloon '' to a fix rate mortgage. XXXX I was in the process to refinance with them in order to obtain a new loan with a fix rate, but I became unemployed. PNC " denied '' my application to refinance and for a modification because I was unemployed. I 'm back to work now and I still do n't qualify for a permanent modification because now I have income. PNC has been " Deceptive '' in their practices to make a decision for my application to obtain a modification. Not only has PNC been " Deceptive '', but " Discriminatory '' towards the location of my property since it 's seems most of the residents in XXXX, IL are being denied assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have a car loan through a company called mas financial, they have repossed my car after I 've already made payment, they call me 20 times a day harassing me and my sister, they have texted my phone talking crazy to me and have texted my sister phone as well, is there anything I can do to solve this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested Professional Adjustment Corp. SW FL, Inc. to send me a copy of HIPPA form to verify the debt. To date, I have not received any signed HIPPA form with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: National Recoveries, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I defaulted on a Federal Student loan. The XXXX XXXX XXXX XXXX has sold the loan to National Recoveries. The loan principal is {$65000.00} an the interest is {$5200.00} and Fees are $ {$17000.00} all of which total {$88000.00} plus everytime I try to talk to the collection agency the amount increases. I am on XXXX from work since the beginning of the year and let the organization know this. Everytime I try to negotiate and speak to someone, I 'm informed that no one is available to help me at the time of my call. I feel like I am being taken for a " ride ''. I have been threatened with Wage Garnishment of 15 % by the end of next week. I am not disputing that I owe my defaulted loans, I dont want to be a consumer that is taken advantage of. I have been investigating the company an I see that the XXXX XXXX XXXX XXXX has dis-continued their contract with National Recoveries. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In response to a debt collection letter, I sent XXXX XXXX XXXX a certified letter dated XX/XX/XXXX requesting Verification of Debt demanding the production of certain documents. XXXX responded with a letter dates XX/XX/XXXX. 
On XX/XX/XXXX I sent them a second letter advising XXXX of the insufficiency of their response and again demanding the production of certain documents to verify the debt per the Federal Debt Collection Practices Act. They refused to produce said documents, and in violation of the law continue to report the unverified debt on my credit file. A third letter was sent to XXXX on XX/XX/XXXX demanding the removal of the offending entry on my credit report. There has been no response whatsoever from XXXX to my third letter, which advised them that I would take legal action and report their illegal activities to the proper governmental governing bodies. 
It has come to my attention that the Arizona Department of Financial Institutions fined XXXX XXXX XXXX the sum of {$170000.00} on XX/XX/XXXX after reviewing more than XXXX consumer complaints for engaging in the same illegal collection activities cited here. Please stop them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is reporting inaccurate and false information on my report.The account in question has fraudulent charges and wrong balances and dates. I decided to settle the account but the account remains reporting as if I own it and with invalid charges.

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 2015-07-08
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent and repeated calls with same vague pre-recorded message. No information provided to identify debt referred to in message. Different phone numbers appear on caller ID with each call. Different area codes, different company names ( some with charitable org. Names -nonexistent org. ), or different city and state with each call. Recorded msg. instructs listener to use phone to enter info.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One raised the rate on my card with a penalty APR based on XXXX late payments within 1 year.They however showed the late payment posted on the XXXX 2015 statement as activity that took place during that month. Payment made XXXX XXXX, 2015 with the intention of payment for the following month arrived early and was posted to the prior month. Attempts to discuss this resulted in repeatedly being placed on hold for extremely long periods of time while they supposedly researched the payment activity of the accountand when disconnected they did not attempt to continue the call or investigate the matter. It should be noted that attempting to pay on the Capitol One website on the due date in XXXX 2015 would not have allowed the payment to be posted any sooner than payment via my bank bill pay service, which would have made the payment late in any event. 
I will be closing the account with a full payoff by the end of this week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
was told on hold on XXXX/XXXX/XXXX. on XXXX XXXX XXXX saw my credit report I was 90 days late and owed XXXX dollars. called was told they would call back XXXX hours. wrote called 4 more times. sent payment. requested account be closed in XXXX and XXXX/XXXX/XXXX. they refuse transfer my call 3 times an hour later they claim they will call me back .will not close account, give me my balance or send me a statement. please HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: PNC Bank N.A.
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a card with a 0 % interest offer on a {$7000.00} balance. 

In XXXX 2014, a {$25.00} purchase was made subject to a 14.99 % APR. Since the amount of interest was so small, I was instead charged a minimum interest fee of {$1.00}, which means the APR on that purchase was 16.6 % That {$1.00} aws then subject to the 14.99 % APR, which worked out to roughly XXXX cent. 

I was then charged interest on that fee the next month, which was subject to a {$1.00} minimum interest charge, which worked out to approximately 128 % interest on this fee. 

There is no amount I can pay, short of the entire balance, to stop being charged this fee each month. This has continued every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-04
Company: IMC Capital, LLC
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Unsolicited XXXX credit card sent by IMCA Capital. They appear to be trolling for new accounts. This card I do not need and did not request.

Company public response: Company believes complaint relates to a discontinued policy or procedure
Company response to consumer: Closed with explanation