BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I was doing an annual credit report update and the credit bureau Experian refused to delete information on the report in the form of old addresses that were ov er 7 and 10 years old.  They said they could keep the information on my report indefinitely and I could never have it removed. I requested  XXXX  to delete the old addresses and they did. I am waiting for the written summary update from them. Experian also authorized a credit report from my  XXXX  bank 3 times on the same date and I have never applied for credit or loans. This happened in   XXXX   around the time I opened the account. The last bureau would not release the report online due to answers to the ID verification of which I answered correctly. I strongly feel that Experian abused the laws on reporting and releasing information. I also have reason to believe that due to the ID verification questions on the  third bureau rep ort resulting in the bureaus denial of my annual report online that there has been illegal activity in the for of credit cards and loans being applied for using my name and SSN. I need further information on how to investigate these matters.

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 2017-10-16
Company: Diversified Adjustment Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I revived a call from Diversified Adjustemnt services on XX/XX/2017 @ XXXX XXXX MSt, she stated it was an attempt to collect a debt for XXXX for XXXX the debt was n't validated so they where forced to remove from my credit. After I stated that the debt was n't validated, and I would summit a complaint with FTC and CFPB she stated do whatever you what.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have an account that is good-standing with Google Fi XXXX XXXX ). They are denying me credit for an extended payment plan for a new phone. XXXX is the credit agency they check and I do not have a freeze or security hold active. Google Fi Support Inquiry : Case ID [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: STERLING JEWELERS, INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received iv er 10 calls per day for thr past 30 plus days from Kay Jewlers attemping to collect a debt, in which I have not received written notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On  XXXX   XXXX , Synchrony Bank  [ WalmartCredit.com ]  debited my checking account twice with the full balance due on the account -- 2 debits of {$420.00}, creating an overdraft on my checking account. When I tried to get Customer service to credit the second amount back, I was told it was my fault that I had authorized the original payment and subsequently had added autopay to the account. ( I have done this with  XXXX  and  XXXX  credit cards with no problems at all. ) However, the Customer Service representative stated that there was no way for  Synchrony  to credit the account. The best she could do was send me a check that I would receive in  5  to 15 days. When I insisted that was not satisfactory and spoke to a Customer Servic e Manager,  the best offer she had was to expedite the check and perhaps get it sent in a couple days if I FAXed proof of the double debit to her FAX number. I sent my copy and had my credit union also send proof of the double payment.  <P/> My complaint is that I see no reason  1 -  for the double debit in the first place. If I had a payment authorized, then  AutoPay  should not debit an account that then has a   XXXX   balance. In fact, when I signed into the account after the incident, it had a negative balance of {$420.00} -- so the bank was aware of the double payment. And  2  - If the bank can debit the account, there is no reason in my mind that they ca n't credit it. Again, I have had experiences with what I deem more reputable banks, and a Customer Service rep can immediately credit an account for some error -- or at least forward me to another person who can. It does not take  5-15 d ays for a correction.  <P/> I have a FICO  credit score i n the  XXXX  's which this bank posts, so it 's not like I am a credit risk to them.

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 2017-06-02
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Name :  XXXX  Agent :  XXXX     XXXX   Company : TJmax Issue : closed my account involuntarily due to previous delinquencies even though account was paid current in  XXXX .   XXXX   confirmed the company did not issue a notification to me or contact me to advise. Company did not allow me opportunity to rectify and/or opt into auto pay to ensure payments are received timely to prevent future delinquencies

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 2019-12-12
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This is about the Chase company. I have two credit cards with Chase. Both of them, I have a cash advance. I want to clarify if theres an exception on Credit card act of 2009 that with the highest interest the payment should go first with the highest interest that is to my cash advance. Both of my cash advances Balance Subject to Interest Rate. is increasing the amount. One of the card {$180.00} last XX/XX/2019 statement now {$190.00}. The other card {$270.00} XX/XX/2019 statement now up to XXXX which is subject to variable higher interest than regular purchase. Per chase customer service, they can not manually control it since Im just paying minimum.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: AES/PHEAA
State: SC
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:
1. I  have had this problem several times in the past. Today,  XXXX / XXXX / 17  I received an email I had a message fro m Fedloan. I logged into my Fedloan account to see what the message is and see that my accounts are now in Administrative Forbearance. I did not ask for any Forbearance and I am furious I am in a Forbearance. Fedloan did this to me 60 days ago and it took 8 calls to get the forbearance removed. I am on an  IBR and do not need a Forbearance or a Deferment at any time.      2. Fedloan removed my employment history applied towards the FSLP to add a Forbearance in   XXXX   2017 . This was wrong! I NEVER asked for the Forbearance that was added and removed back in  XXXX , aft er 8 phone c alls. When this Forbearance was removed, they never added back my months towards the FSLP. I resent in the proof of employment forms hoping the months would be added back, but instead got another forbearance!!     Please audi t Fedloan. T hey are making big mistakes on accounts and not fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had {$7300.00} in my Truist savings account as of XX/XX/. I went in to a local branch to open a joint checking account and I was told by the banker that I had no money in my savings account and that it was closed. Theres no history of my transactions in any logs and theyve done little to help me. Theyve left me, my wife and my daughter out to dry because they made a mistake and making us pay 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 2022-04-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
There have been two instances of predatory practices by Citi / Home Depot on my account. I had two promotional purchases on this card in XXXX. The first, carried a promotional balance of {$1100.00}, with a full payment on XX/XX/2022. I set the payment to be debited by XXXX on that date, which it was. The following statement indicated the payment was missed and back interest charged.. In follow up although XXXX made the debit on XX/XX/2022, they did not post the entry until 3 days later. I called, and Citi corrected the matter, crediting my account. 

The second instance was again a promotional purchase with an amount of {$140000.00} with a due date of XX/XX/2022. In XXXX, Citi flipped part of the 12 month " no interest, minimum payment due '' to 6 months term and charged me {$160.00} in back interest. I called and a customer service rep said it was Citi 's mistake, credited the interest back to my account, and stated they would move the time frame back to 12 months. On the next statement I noted Citi charged {$11.00} in interest on the now " revolving balance ''. I called again and a customer service rep told me that Citi had " declined '' the XXXX 's request. Further as I had not objected to the time flip from 12 months to 6 months within 60 days, I had by default " agreed ''! This is absolutely predatory practice, and there is an absolute problem with whatever department heads up Citi 's private label cardio cards which is EXACTLY what the customer service rep told me ... ... .Now they tell me the issue has been forwarded to some " special unit '' and will take 2-3 weeks for them to consider my case ... .....

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 2021-11-16
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To Whom It May Concern Please accept this letter as a formal complaint against my mortgage provider, XXXX. 

I am respectfully requesting your agency assist me by providing relief in removing months of false and malicious reporting to the relevant credit bureaus. Specifically, that XXXX contact the relevant credit bureaus and rescind the false reporting. 

I never filed for personal bankruptcy. 

Unexpectedly, XXXX ceased any and all communication with me as of XX/XX/XXXX. 

They removed me from the auto-draft payment program without my knowledge, consent or directive. 

Additionally, they stopped providing my monthly statements. In doing so, they failed to advise me of changes to my account. By way of example, they increased the monthly amount due, while simultaneously refusing to speak to me regarding any and all previously noted matters. 

XXXX ( due to their own administrative failures ) then proceeded to report derogatory late payments to credit bureau reporting agencies for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX After nearly a year of phone calls, denials, and relentless efforts, I was finally able to have them partially investigate this matter. They reluctantly recognized their error and attempted to rectify the madness of kicking me off the auto-draft monthly payment program, by allowing me to resume the auto-draft payment program. Thus assuring I could once again make accurate, and timely payments as I had previously done. They assured me that once the account was formally updated within their system, they would address and correct the error with their credit department. Needless to say, the false reporting continues to this day and clearly has not been corrected. 

Furthermore, as of the writing of this correspondence, their statements continue to reflect an outstanding balance that they represented via telephone would be corrected and/or adjusted. It continues to re-appear on a basis. 

I am respectfully requesting your assistance with correcting the aforementioned matter. In reading available customer reviews, it appears I am not alone. 

Please contact me upon receipt and resolution to this very time sensitive matter.

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: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Advanced Recovery Systems, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a complaint about being billed for debt that I do not owe. Bills were constantly sent to me via mail about a debt being owe to XXXX XXXX XXXX which should have been billed to the job XXXX XXXX XXXX XXXX claim/file number XXXX. Due to them not hearing from me they assumed the debt was valid and reported this inaccurate information to my credit report without doing proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions Inc.
State: NJ
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 had requested for an investigation with the three major credit reporting agencies within my rights under the Fair Credit Reporting Act. I disputed the accounts attached to this complaint and the credit reporting agencies claimed to have verified the accounts which also included a bankruptcy public record. I found the credit reporting agencies alleged verification as sketchy due to the fact that information was still reporting inaccurately for the disputed accounts and the United States Bankruptcy Court for the District of New Jersey has already confirmed that they don't furnish any information to any credit reporting agencies including XXXX but the three major credit reporting agencies claimed to have verified the bankruptcy with XXXX which is impossible because the bankruptcy has already been disputed and removed from my XXXX credit report. 

The three major credit reporting agencies stated that the accounts and bankruptcy was properly investigation but how is that possible if the account type is inaccurate and the bankruptcy reference number is not accurate. This is ground for removal as they violated my rights under 15 U.S.C 1681 section 602 A which states I have a right to privacy and under 15 U.S.C. 1681 section 604 A which states they credit reporting agency can not furnish information without my written consent. Also, the credit reporting agencies never sent me results for my dispute request and I had to get updates through my credit monitoring account with Experian but I never received anything in the mail.

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 2017-06-02
Company: Utah System of Higher Education
State: OH
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:
I  had a change in bank accounts. In   XXXX   XXXX  , I filed paperwork to have my autopay account changed to my new account. The change was never made. I called in  XXXX  and a representative told me the paperwork was received and she was unsure why it was never processed. She assured me that she would make sure it was processed. However as of this date, it has not been processed. I have had overdraft issues in the checking account that I am trying to close because   XXXX   continues to pull my payment from my old checking account. I do n't have the option of taking my business anywhere else due to the fact that it is a Federal Student Loan. All I want is to be able to continue making my payments to the appropriate checking. I think an over 4 month processing time is ridiculous considering their website states that it takes 10 days to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
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: Account status incorrect

Complaint:
Here is the item in question XXXX ACCOUNT NUMBER XXXX ACCOUNT CLOSED & SOLD XXXX ACCOUNT NUMBER XXXX ACCOUNT CLOSED & SOLD Accounts should be deleted because its ruining my eligibility standing as a Doctoral candidate. The department of education suggested me to file a dispute for these two accounts.

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 2021-04-30
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home mortgage with XXXX ( Loan number : XXXX ). Basically I paid off some money but they still charge me same monthly payment after 4 months. I call them many times but they dont want to proceed my request. 

I paid off {$100000.00} for my mortgage in last XXXX, and submitted recast request on XX/XX/XXXX. It's been 3 months, and my request is still not completed. Tomorrow ( XX/XX/XXXX ) will be my next payment date. I'm paying 400+ more money every month than I should During these 3 months, i called mortgage customer service many times. They always asked me to wait, or gave me wrong info like " we will finish it by this week/month ''. 

Finally a supervisor helped me last week. She called mortgage department and asked them to complete my case before XX/XX/XXXX. But today when I called them, still no luck. I escalated, they just told me a manager will callback. I want to get my money back, but they dont care and dont want to help me as usual. 

I believe they want to charge me more money every month, and escalation doesnt work. Not sure how long it could be completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, TRANSUNION AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS/INQUIRIES ON MY CREDIT FILE. BELOW ARE THE LISTED FRAUDULENT ACCOUNTS OPENED AND LISTED IN MY CREDIT PROFILE : XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -Date Opened -- -- XX/XX/XXXX XXXX XXXX XXXX XXXX : Account Number -- XXXX -- -- -Date Opened -- -XX/XX/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 2018-04-09
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have been contacted by XXXX and XXXX at Tower Loan in XXXX, Missouri regarding my past due bill. I have explained that I have no job and no money at this time. In fact, I can't even make ends meet. There is absolutely nothing that I can do at this time. However, I have continued to receive daily repeated phone calls, which I chose stop accepting because I have repeatedly explained that I could not afford to do anything. Today, XXXX had contacted several of my references in an attempt to get me to call her back. It is an intimidation tactic, which borders on harassment since she knows my phone number is correct. I do apologize for being in this situation, but I have repeatedly told XXXX and XXXX that I have XXXX money and calling my references is not going to achieve anything. 
I refuse to speak with Tower Loan anymore. 
Please tell Tower Loan to stop calling myself and my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX  XXXX  Account # XXXX, XXXX  XXXX  XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX 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