BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-23
Company: Nationwide Biweekly Administration, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I was enrolled in the Nationwide Biweekly mortgage plan from XXXX to XXXX. Because of the disruption in payments due to their closure, it has left me paying enormous fees to my lender, XXXX Bank. I also had to pay a set up fee and other fees to Nationwide on a regular basis. I wish to be compensated for the fees leveed by this company and the so-called promises of paying off my mortgage early.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX has been listed on my credit report. I have called them directly and they can not verify my information or why the charges are on my report. When I disputed with Transunion on this matter, they simply blow this off and offer no proof that I have ever done business with this company. I have no knowledge of this company and yet it sits on my credit report. Please remove XXXX XXXX XXXX for {$530.00}.

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 2016-11-08
Company: Conn's, Inc.
State: TX
Product: Credit card
Issue: Other

Complaint:
This credit card company Conn 's Credit Corp One is reporting on my credit report {$1700.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
A delinquent account is reported to my credit agency, after I refuse to pay charges that have no explanation and no justification for the charge. I am provided no information that assists neon verifying any location, date or service. The only information I receive is that if I do n't pay it will affect my credit which it already has!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Logged into the synchrony bank for amazon and I get a message about credit card protection service. I click the box to skip this and it ignores me. hit the button to learn more and than it attempts to force you to sign up for the service. Just one more problem with a bank trying to steal money from an honest individual.

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 2016-09-29
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a car loan with Santander Consumer Bank. The loan was paid off XX/XX/2014, but they are reporting to the Credit Bureaus that there were several late payments. I have sent them multiple letters asking for validation that those payments were late, but have not received any response. The account is paid in full, but those late payments are affecting my credit.Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX TX XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX ( Auto ) XX/XX/XXXX XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX OF XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX 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 2016-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
i need XXXX XXXX from capital one to call me about disputing XXXX on my account its time and i ened it done. too many different answers. i try her with all those numbers at her extension and my time is valuable i need a call after XXXX XXXX to dispiute the rest of it. i need it back. merchant will not fight it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone opened an account in my maiden name with my social security number in 2005. 
I am now getting collection calls in reference to this account. This account does not appear on my credit record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Account with Synchrony bank was opened in XXXX for a promotional purchase. In XXXX I called to renegotiate the debt with Synchrony and I was placed in a COVID19 Recovery plan and part of the plan was to close the account, no late fees charges and no promotional fees and to complete and for me to continue paying the original debt. The debt contract was extended for 3 more years after maturity date of the contract and the monthly payment was negotiated to be XXXX XXXXXXXX a month. In XXXX I made multiple payments and by the statement of XX/XX/XXXX was owed approximately {$250.00} dollars. In XX/XX/XXXX I received a statement for approximately {$1600.00} and I immediate contacted Synchrony Bank and explained the situation. I was informed by a customer service in a recorded line that they noticed that account was placed in a COVID19 Recovery plan and they saw the notes from the last representative. I was informed that the incorrect amount of interest added into the account would be removed and it would show in my next statement and that I only had to pay for {$250.00} that I owed due to the verbal contract ( COVID19 Recovery program ) we agreed over the phone earlier. In XX/XX/XXXX I received the statement and the changes had not been made I called and spoke to multiple people and continue to call and speak to managers. I was told in a recorded line that no changes had been made and corrections had been made by the last representative in XX/XX/XXXX and now my account was late for {$1600.00} dollars and it was late in my credit as well. I continued to call and opened cases in my profile. I was informed that someone from Synchrony Bank will contact me to resolve the issue and someone left me a message and immediately closed the case and never resolved it or investigated. Synchrony bank has a lot of miscommunication within their bank, their customer service do not provide the correct information and omit information. Synchrony bank also has a lot of operational issue and due to their lack or inappropriate information and operational issues and their incorrect reporting to my credit, this has provided me financial hardship issues.

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 2021-08-29
Company: UMB FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Umb did not send me my credit card or open an account. I have a high credit score and should be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Medical-Dental-Hospital Bureau of San Antonio
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a XXXX on XXXX XXXX 2011. I was put in an XXXX for 7 days and received excellent care. 

Well, the bills start rolling in. I get a XXXX dollar bill from the hospital, and almost have another XXXX XXXX ( XXXX XXXX ). Because being retired military I thought I was covered. I went to my XXXX office and they laughed ... and so did I after they told me what my responsibility was. 
I then paid my deductibles in full ... thinking that my financial responsibility was fulfilled. Then, after the XXXX I personally hired a credit agency to monitor my credit, and I received a notice that a collection was filed against me by the XXXX XXXX XXXX XXXX XXXX XXXX that was being collected by Business Professionals ( BP ) XXXX 

After contacting BP XXXX I found out that the original billing company did n't have my insurance information and they said the original creditor ( XXXX ) did n't have access to my information in time to file a claim due to HIPA laws. But my insurance XXXX XXXX XXXX says that my only responsibility is to provide my information to the XXXX hospital, and it is the billing agency 's responsibility to garner that information from the hospital. After I came home from the hospital, I made my insurance information readily available to anyone who contacted me, and I paid my co-pays in a responsible manner. 
Now, the collection agency is telling me that I am responsible for the entire bill, even though the agency that supposedly is billing me has no record of my care, account, or even billing me at all. I feel this is unfair and borderline corrupt. If the original agency can not even reproduce an account or bill that they sent me, how can I tell if this an actual debt?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
IQ DATA INTERNATIONAL {$4200.00} XXXX XXXX. 
UNDER 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX XXXX never gave IQ DATE INTERNATIONAL any written consent to report anything on my consumer report. No consent is Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices about {$990.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir, MadamSince late 2012, I have been going through recurring personal and family crisis and I fell, several times, behind in my JCPenney credit card payments. The debt was then transferred by JCPenney to Synchrony bank to which I paid between {$76.00} to {$96.00} each month. On or about the XXXX of XXXX, I called Synchrony bank to ask it to postpone processing payment by three days because I did not have enough money in my account and I wanted to avoid the many overdraft fees XXXX XXXX manages to charge me with often. I talked to a representative on the phone who asked me what causes me to have financial troubles ; therefore having troubles at times, paying. I told him about some of the challenges I have been facing for about 2 years now and he asked me to stay on the phone to get me another person who could modify the terms of the agreement so that I would have a lesser monthly amount to pay. Someone then came to the phone and we made an agreement for me to be paying {$36.00} monthly and the payment postponed for the XXXX of this month. I was therefore, totally, completely, taken aback when I visited XXXX XXXX XXXX website, shortly thereafter, to find that not only Synchrony bank withdrew {$76.00} and another payment of {$36.00} was also processed by JCPenney. I found myself again in overdraft situation and XXXX XXXX charged me, as expected fees because of it. I called Synchrony bank and the representative 's reply was " Oh, that because, on the phone conversation, you did not specify that you wanted the previous agreement canceled. Stay on the phone and I 'll transfer you to customer 's service ''. " If I do not get a response from customer service? ", I asked. " Then call the bank to oppose payment '' Surely customer service did not answer and I called XXXX XXXX to tell it what happened. Its representatives said that they can deny the JCPenney payment but can not do this for the {$76.00}. i sent an e-mail to JCPenney which responded and said it has nothing to do with this, that it is solely, has to do with Syncrony bank. XXXX XXXX refunded the overdraft fees it charged. 
This is where things are right now. 
I thank you for your time and attention. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have had a Discover Credit Card for over 5 Years. Have always made my payements on time. I recieved an email from Discover stating that my account would be going through a verification and was forwarded to sign a document to confirm my identity with the IRS. I Signed and submitted the document as requested. Discover was informed that my taxes were not filed in 2021. I informed Discover that my taxes was fraudulently filed and going through a process to handle it. Discover stated that I would have to send 3 months of bank statements and provide a notarized letter that they provided to be signed. I submited the requested documents, they then emailed me about a week later stating that I had the incorrect notary form, which was a form that was sent to me by their customer service representative and was emailed the correct form. I contacted Discover about two weeks after to get an update, they stated i would have to wait for an email that i would get after my documentation is reviewed. A month later I still recieved no email from Discover or recieved any phone call. I had to call in to learn that they only had two bank statements when I confirmed with a representative that it was recieved and that an email was sent on XX/XX/XXXX to request the statements again, I recieved no email from them at all. The rep stated that it is nothing that can be done. I find it weird that I get all the other emails from Discover and it was confirmed that my bank statements were recieved then now its that they dont have them. This needs to be corrected, this is my highest card that I have. Discover is horrible for silently closing my account and trying to play games.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
The collection agency named AFNI Inc. does not have a license in the State of Florida to collect any debt. Their continued attempts to communicate with me through phone calls and letters have annoyed me to the point where a formal complaint about this matter Is being filed. This company is not listed on the State of Florida Office of Regulation website ( XXXX ) as being able to conduct business in the State of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Incomm Holdings Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Received virtual {$50.00} Vanilla Visa gift card in XX/XX/XXXX. Printed virtual gift card on XX/XX/XXXX at XXXX XXXX  and kept in a locked, safe location to use toward a vacation fund at a later date with no digital copy remaining. 

Attempted to make XXXX purchase on XX/XX/XXXX for {$37.00} and was notified on XX/XX/XXXX that the card was declined. The card has never been used and was in a locked location, so I checked the balance on their website on XX/XX/XXXX and saw an unauthorized charge of {$33.00} at XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for a company I have never heard of and merchandise I never purchased or received. 

Contacted Vanilla Gift Card by phone on XX/XX/XXXX and was informed that I would need to file a dispute via email with their company using dispute # XXXX. Filed dispute via email same day and received an automated response that dispute had been received and would take XXXX days. 

Contacted Vanilla Gift Card by phone in late XXXX for update and was informed dispute was still in process. Received check to home address in amount of {$16.00} in early XXXX. 

Contacted Vanilla Gift Card by phone on XX/XX/XXXX and was disconnected. Contacted company again same day and spoke with XXXX who stated dispute has been completed and closed and charge was found to be valid. I received no email/phone call for a follow up to the dispute or how charge could have been found to be valid. Requested all steps taken, representative 's names spoken with, and names/addresses or purchaser information that had been researched and found to be valid. Rep stated that they do not handle disputes and the only available option is to send an email where the original dispute was entered. After much back and forth, the representative put me on hold for a lengthy amount of time stating she would send an email on her end, but it would be no different that me sending an email, and then she disconnected the call without calling back. Sent an email to dispute department same day and have yet to receive any response. 

Original dispute and all emails attached for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Credit determination

Complaint:
According to my credit report, acquired on XXXX XXXX, on XXXX XXXX, 2016 SYNCB- an airline credit card provider has hit my credit score. Although I receive many proposals indicating pre-approved credit through mail, I had no interest in credit card application from this type of credit provider. I would like to dispute their credit check if that is their source of information to send me pre-approved proposals.

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 2016-05-05
Company: BARCLAYS BANK DELAWARE
State: MI
Product: Credit card
Issue: Other

Complaint:
XXXX scammed, lost XXXX dollarish, company refuses to chargeback card even whil ; e the company is under XXXX investgation

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