BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-11
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The bank of issue closed my credit card account due to inactivity therefore possibly causing ill affects to my credit score and report. I did not authorize them to close this free credit card account that was in good standing and I was not notified that such was happening.

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 2017-01-23
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I signed up for a care credit account XX/XX/XXXX. My first payment was due in XXXX. I created an online account as well as paid for the application on my phone. I can never log in to make my payment, I 'm always locked out. I have tried multiple times by myself and with a customer service rep on the line to reset my security questions-which I do. When I go to log back in, it always asks for a security question that I DID NOT PICK. It does this every time even after I have reset the questions. Care Credit customer service line can not figure it out. I am stuck paying the {$8.00} service fee for paying over the phone even their it is their website that has the issue. I am not happy. I have attempted to get this resolved MULTIPLE times and nobody has a clue on what to do. It is now nearing XX/XX/XXXX. I asked the customer service rep to let me know when they have resolved this issue, and they told me that they do n't call back their customers to let them know when a problem has been resolved. I have no way of discontinuing this card because my XXXX payments are monthly.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-11-03
Company: Experian Information Solutions Inc.
State: DC
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 XXXX  XXXX shows up as a hard inquiry on my Experian credit report. XXXX XXXX XXXX had no lawful reason to perform a hard inquiry on my credit report nor did Experian diligently prevent unauthorized or unlawful access to my credit report. 

XXXXXXXX XXXX XXXX Additional details Business type Bank Credit Cards Contact info Address XXXX XXXX XXXX XXXX, XXXX Phone number ( 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 2022-11-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is too high with escrow included. I was told that I could lower my payments when I requested my 2 parcel numbers be placed as 1 parcel number. I did but my mortgage still goes up in XXXX XXXX  to XXXX from XXXX. Then I was told to get lower insurance coverage. I did. I was paying XXXX and I found a new policy for {$640.00} lower. Today when I called escrow the representative said my old insurance was lower than what I had been paying. She said I was only paying XXXX. How did it change from {$2500.00} to {$2100.00} so quickly after I found a much lower policy. I believe they are trying to cheat me out of my much lower rate by claiming I was paying less than I was. 

Also, The Cares Act paid 6 months of my mortgage but they show I owe late fees and that my original balance to be approx. XXXX but my balance owing is over XXXX. I am not and have not gained any equity why? 

Rushmore is XXXX  and XXXX  and this is not my first complaints made against them. I never understand what they are doing with my mortgage, but I have always felt undermined with them. I need some one who understands to audit my loan and escrow to make sure I am paying a fair mortgage. They are difficult to understand and work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
While reviewing my XXXX, XXXX & XXXX credit report, I discovered that a fraudulent collection has been placed on profile .I have specifically advised and requested XXXX XXXX XXXX XXXX XXXX that this debt was as a direct result of ID THEFT of LOST/STOLEN CREDIT CARD which was noted on the account. 
Nonetheless, XXXX XXXX XXXX continues to disregard my request in clear violation of XXXX ; FCRA and my PRIVACY RIGHTS, causing me to be denied adequate housing, meaningful employment and or obtain new credits. 
I have maintained that XXXX must validate the DEBT under XXXX and conduct a through investigation demonstrating with preponderance of evidence that this debt belongs to me and provide me with copies of all verifiable evidence of my culpability to this debt.Absent being in compliance of the law, XXXX, action constitutes gross negligence and need to resolve the matter timely to avoid further unreasonable irreparable pains and sufferings. 
For the records, the account in question is SYNCB/TJX CO PLCC # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Cash advance

Complaint:
On my Chevron Texaco card I have XXXX balances, XXXX for purchases and XXXX for cash advances at a higher interest rate. I called because I wanted to pay my minimum and to make an additional payment to pay off my cash advance and was told I ca n't do that. In order to pay off my cash advance I have to pay off the purchases portion first. This seems wrong to me. I would never have used the cash advance feature if I had known 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is my forth CFPB Complaint to be submitted against the Credit Bureaus requesting the complete removal of the fraudulent accounts and information from my Credit File as soon as possible. I have read that under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. On XX/XX/XXXX, I sent a dispute letter to each of the Credit Bureuas and I am still awaiting the Credit Bureaus ' replies. On my previous dispute letters, the Credit Bureaus have failed to respond to my letters which is a violation of the FCRA! bu submitting this CFPB complaint, I am expecting that the Credit Bureaus will be able to send me copies of proof of verification in the event the Credit Bueaus do not comply with the requests. Once again, I am in need of the removal of the following items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX  XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/XXXX Was called by XXXX XXXX XXXX saying to call XXXX with a reference number. 
XX/XX/XXXX I called XXXX twice and received no answer. 
XX/XX/XXXX I called XXXX and no answer. 
XX/XX/XXXX Received another call from XXXX, same person, asking if I had called XXXX. I replied I had and no answer. Woman asked that I call again. I asked why cant they call me if she has my number. She replied yes and asked me to call the above number. 
XX/XX/XXXX I called XXXX and spoke with a XXXX XXXX. She said I owe {$5200.00} from a bank account in another state I lived in from XXXX that was reported in XXXX. Said I was mailed a letter 40 days ago. Informed her that I never received a letter and asked to be sent another or if I could get more details because I have no knowledge of such a debt. She said only XXXX chance is given and then it goes to court. Said this would severely damage my credit and that a lien would be placed on my house. 

XXXX then offered me another option : to settle for {$2500.00}. This offer was only available if I paid it today, at that moment. I replied that I cant make such a decision with no information. She replied that I would receive the information in court after I was served. 

The tone was polite, but the content of the information was very threatening. I am being threatened with being served, going to court, being sued for {$5200.00} or more, having my credit ruined, and having a lien placed on my property unless I pay {$2500.00} right now without any information other than a letter having allegedly being sent to me 40 days ago about a supposed debt from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My credit report looks off. I have things on their that make no sense to me Im looking for an understanding on how and why theses things are on my report and how they got their I need help understanding my report and also I would for. 
My report to be looked at to make sure its correct

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 2016-10-04
Company: Mercedes Benz Financial Services
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
I turned in my leased car to Mercedes Benz Financial XXXX XXXX, 2009 and it is still reporting on my XXXX despite my many attempts to explain to XXXX and Mercedes Benz that the statue of limitations has passed and to please remove it from my XXXX credit report. I feel like I have been treated poorly due to my economic hardship status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: JPMORGAN CHASE & CO.
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Chase credit card. My son was an authorized user. On XXXX XXXX I phoned Chase and told the agent I do not want my son to be able to use the card any more. She removed him from the account and told me he would no longer be able to use the card. I asked the agent if he had a different card number than my card, and she said no, that his card and mine were both the same card number. She assured me that he would no longer be able to use the card, even tho we had the same card number. A few days later, he made a {$380.00} charge on the card. I called Chase, and they told me although he was no longer an authorized card holder, his card was still working and that I would have to pay or he could be charged with fraud. I explained it was not fraud, because I had not been able to call him to let him know he was no longer and authorized used, because he had no phone. I protested that it was a Chase agent error, the supervisor said they would review the phone call from XXXX XXXX.. On that day, they changed the card number so that my son can no longer use the card he had. This is what the first agent should have done, they said. 
On XXXX XXXX Chase called me - they had reviewed the phone call from XXXX XXXX, and admitted that I was wrongly told my son would not be able to use his card after he had been removed as an authorized user, and that I should have been told that the card number should have been changed. They would use this opportunity to coach and reprimand the agent, but I was still responsible for the charge. 

I do not feel I should have to pay the {$380.00} charge. The Chase agent made a mistake. The agent should have told me to cancel the card, but she did not and as a result, my son was able to keep using it.They say I have to pay. They want to call it a fraud, but it is not a fraud - my son did not know he had been removed as an authorized user. He had no phone at the time, and he lives in XXXX, while I am in XXXX XXXX, so I had no way of contacting him to let him know he had been removed as an authorized user. 

After many phone calls, they gave me an address and a fax number for their executive office. I will write a letter to them. Please advise what is my legal right in this matter. Who is liable for this {$380.00} charge??? 
Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Barclaycard has " conducted an investigation '' internally into my issue and did absolutely nothing. The company is perpetuating fraud openly now with full knowledge that this account is not mine and have sent me a letter acknowledging the fraud. The company was made aware of a fraudulent account underneath my name and social security number earlier this year and the account is STILL OPEN. I filed a complaint on here and their representative called me, told me there is nothing they will do without further proof of my case and are still actively reporting a fraudulent account as one that is valid underneath my social security number. I have now placed extended fraud alerts on every credit bureau and will be pursuing legal action against this company. For any potential consumers out there here is what happened to me : Barclaycard began reporting a fraudulent account underneath my name and after I called in no less than 10 times to report this the account was kept open and reported on my credit reports with my social security number. After filing a complaint on here, a company representative called me and told me that they would conduct an investigation. They took 1 DAY to go through months of calls and openly accused me of committing fraud using this fraudulent card I never opened or wanted with their company. For any potential consumers stay as far away from this company as possible. There were multiple cases of fraud committed by someone using my social security number and each and every other company I have dealt with was helpful and wonderful with assisting me. Barclaycard is a perfect representation for what is wrong with the credit card industry. 

They are the worst company I have ever dealt with and will now be pursuing legal action against them for fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
I have recently had a problem with my XXXX credit card. Today i received a call from a collection agency about my XXXX card. I have received no notice of this from XXXX themselves. i was just hit with a phone call that my account has been sent to a collection agency. What shocks me even more is that it was for the Amount of XXXX. I was shocked at this phone call so i called XXXX in order to better understand the situation and all i received from the representative was that i had to pay the amount, and that nothing could be done about the fees!!!! I did n't even realize i owed money to XXXX, and i was NEVER contacted by 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 2022-10-26
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:
In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not fursnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable to cause to believe that the information is inaccutare.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other advers item of information, other records of convictions of crimes which antedates the report by more than seven years

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 2016-04-27
Company: Seterus, Inc.
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Original Servicer for my Mortgage was XXXX XXXX XXXX who went bankrupt and sold my loan to XXXX XXXX, then sold to XXXX ( XXXX ), who stated during the time of the loan, there had been no payments for the past 389 days. In the mist of resolving the problem ( during my own investigation, retrieving documents from XXXX XXXX verified since all payments were sent by US Mail, because checks were not permitted while in Chapter XXXX. XXXX sold the loan once again to Seterus and added {$25000.00} to the loan. Home purchased at $ XXXX on XXXX XXXX XXXX. While in Chapter XXXX, since XXXX fees were assessed, cost of misc issues assessed. I have a copy of the letter sent to me from XXXX XXXX stating the monies sent to XXXX XXXX for payment of mortgage. I was not sure where to start here but I knew as soon as my BK was cleared I could take some kind of action. I could not afford a Lawyer because all my funds were accounted for. During this time I had to file BK to save my home, we have been in the home for 8 years. Seterus offered me a modification at {$44.00} less than my original payment of {$1700.00} which did not help after 6 months to process. They offered me nothing at this point accept for the XXXX options : Deed in Lieu, Short Sale, or Foreclosure. I have opted to use the Deed in Lieu, which was the only viable option and protect my credit from further damage. In XXXX became XXXX and had to retire from my job which was a lost of $ XXXX a year. This is just the nuts and bolts of this claim and this has had a detrimental effect on my wife and I, who is XXXX as well. I asked for a VA Loan since I am a XXXX year Veteran and they gave me the rules in spite of this gross error in accounting and servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Southern Auto Finance Co
State: FL
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:
I have disputed this credit several times because the creditor keep re-aging the debt. The first date of delinquency was XX/XX/2015. The automobile was returned to the creditor in a XXXX XXXX XXXX filed XX/XX/2015 by the joint borrower. The creditor placed a repossession on my credit file at that time and has been re-aging the debt and reporting the loan as an open delinquent account. The credit bureau after disputing the inaccuracies of this creditor states they have validated the information with this creditor which is impossible if the account was first delinquent a XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I was overdraft and now I settled the amount. I want to cancel my early warning. What is the appropriate procedure for that?

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