BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continually call me when a payment is a day or XXXX past the payment date. They never send me statements, so I am not updated continuously on my payment due dates. I missed a payment by a few days last time and they called me continually throughout the day and left voicemails while I was busy at work. They announce it as debt collection when they call and not at the company I have the credit card through which is confusing and misleading. Likewise they have begun to charge me interest when it says I am interest free until XXXX, which is a whole separate issue. The people calling record every conversation and have heard me state that I do not receive statements in the mail or electronically via email, so my due dates are continuously a problem.

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 2015-12-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
As a potential customer at Conn 's HomePlus store ( Located in XXXX XXXX Texas at : XXXX XXXX ; XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX ), I was shopping for a new fridge. We were interested in the " in-store '' credit that was going to allow 12 months of interest-free financing. I was very clear that I did not want, nor would I apply for, a credit card. We were still deciding about which fridge to buy, so we decided to continue the process another day. 

I was contacted ( with my permission ) via phone by the sales associate who had been helping us. I was re-assured that there was no way I would be applying for a credit card " because that HAS to be done in person, '' and that we were simply applying for the in-store credit with Conn 's. 

I received a credit card in the mail from Conn 's a couple of weeks later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account Name : XXXX XXXX XXXX  Amount - XXXX Opened - XXXX Account Name - XXXXXXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help

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 2022-07-19
Company: Lennar Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im purchasing a home from XXXX XXXX and was given a stipulation of a 30 days before closing ( XX/XX/2022 ) notice required to use my own outside lending company as opposed to Lennar Mortgage. I notified the sales rep XXXX on XX/XX/2022 that I chose to use my own lender. The request was not honored, instead he requested the estimate from the outside lender for an opportunity to compete. In the process of this financing competition XXXX resigned from the company as well. XXXX XXXX then took over his sales files. I notified XXXX of my decision to proceed with my own lender. It took XXXX and XXXX a considerable amount to get my contract changed over to show XXXX XXXX as the mortgagee. After numerous phones calls, and forwarding of emails to prove I gave notice within the allowed amount of time, XXXX finally updated the contract correctly. At this time I notified XXXX XXXX XXXX XXXX loan processor ) and XXXX XXXX that it was hoped to move forward with my chosen lender being XXXX XXXX as the process has been tiring and I am ready to finish and finalize the deal. Two days I get a revised estimate from XXXX matching the competitors loan estimate. I reviewed the estimate and asked XXXX some questions regarding fees, down payment and lender credits of which he offered me no clarification. I never requested they provide a new estimate nor that my contract be changed. Now, they are negligent in providing required documents for XXXX XXXX to fully process my loan in time for closing. I feel they are trying to force me to use in house financing which I have properly declined and now they are basically not responding to any request from me or the other lender. I am afraid that this will cause them to forfeit my contract and take my deposit and am afraid of losing my deposit and starting this process all over.

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 2022-03-24
Company: Santander Consumer USA Holdings Inc.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have a car payment in the amount of {$840.00} a month, as of XX/XX/XXXX I have made payments in the amount of {$450.00} twice a month. In XX/XX/XXXX I made a total payment of {$790.00}. Then end of XXXX I made {$100.00} payment via XXXX XXXX card, a {$220.00} payment via my checking account on file and again {$450.00} payments every other week. The payment made in XX/XX/XXXX should and would have covered the remaining balance for XX/XX/XXXX. Via XXXX, XXXX and XXXX all three bureaus show paid on time for XX/XX/XXXX however, Chrysler capital is stating that I owe {$370.00} for XXXX!! I had to make a future secure payment in this {$370.00} amount for XX/XX/XXXX payment, that has already been paid several times over!! Chrysler then reported the account 60+ days past due knocking my and my spouses credit score XXXX points down. I have all bank statements and proof I have made these payments. My last payment ( s ) were XX/XX/XXXX {$230.00} out of my checking account and {$230.00} out of the XXXX XXXX card. I am so sick of Chrysler Capital not counting my payments towards the correct months, destroying our credit score as well. The employee I spoke with stated that I have been making payments partially in two amounts since the contract began, but as of XX/XX/XXXX Chrysler Capital is NOT accepting the payment spilt up like that and I must pay only on the due date which is the XXXX of each month. The employee confirmed that I have in fact been paying {$50.00} over the amount due each month, and I do have a 10 day grace period but since I do not pay the amount due on the XXXX that NONE of my payments have counted, and my vehicle is now up for repossession! Also, Chrysler Capital is illegally hitting my with a delinquent fee for everyday I make a payment that is NOT on the XXXX. The example given to me was as follows : If I make a payment in XXXX on the XXXX and XXXX of the month, but the payment due date is the XXXX, then both payments of {$450.00} will NOT count towards the monthly payment for XX/XX/XXXX, I will also be hit with a delinquent fee from the XXXX of XXXX to the end of the month and my car will be up for repossession. 
I have never been so frustrated and felt taken advantage of in my life. I have been making the payment monthly even though I am on unemployment, and Chrysler Capital has taken my payment each month since XX/XX/XXXX. How can a company take a payment but then say this payment does not count? How can they negatively effect my credit score? I need help correcting this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX I spoke with XXXX in XXXX XXXX, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for JC penny and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Santander Consumer USA Holdings Inc.
State: NC
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:
On XX/XX/XXXX a collection for Santander Consumer USA was filed and placed on my credit report. On XX/XX/XXXX I sent over a debt validation letter after months of trying to dispute this fraudulent account on my credit report in all three bureaus. They have consistently stated this account is mine and have not provided any proof nor documents as requested multiple times. They have violated my rights under the fair credit reporting act for not sending me documents to validate the debt nor remove it from my credit report. It has numerously came back accurate with no explanation whatsoever to the credit bureaus. This account has further prohibited me from obtaining other loans and credit accounts and has effected my financially and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I received a credit card from XXXX XXXX in 2019. I have made only 1 purchase. Several months ago I began receiving a bill for some magazines they claim I ordered. I began calling them to dispute the charges. Every month my bill grows and show late fees and nonpayment, which is adversely effecting my good credit scores. I was even told to contact the magazine company, which I did. 1 month the charges were removed only to be replaced the following month showing further late fees. The bills started around {$40.00} and now is {$160.00} on the XXXX bill. No one has resolved the matter nor do they seem interested in helping me. They also go under the name Comenity Bank and Comenity- Stage

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I filed a dispute on XXXX XXXX, 2015. I requested validation after not receiving a dunning notice, bill, etc from the collection agency. The name on this account is not my last name. I have never had an account with XXXX. This account was previously being reported by a different collection agency and was deleted because they could not validate the debt. How is this company able to validate? The validation I received is just a print out from the debt buyer. I called XXXX and they have no accounts with my name. This is obviously a mix up and it is destroying my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: The Bureaus, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on my credit report that an Agency by the name of " The Bureaus " has put a collection debt on my credit report. I have sent them notices to " VALIDATE '' not " VERIFY this claim and send any VALID proof that this Debt belongs to me. They have unsuccessfully provided any Validation that I have a legal obligation to pay them any such money claimed. I have also reached out and sent notices to the 3 Credit Bureaus, XXXX, XXXX, & XXXX about reporting this false claim on my credit report as well. None of the above institutions can provide any proof that I owe this money to said Company-The Bureaus nor that I am legally obligated to pay amount claimed nor that this account belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Called ChevronTexaco customer service. Spoke with a person. Told her my issue. The person didn't understand. What I was trying to explain. I ask for a supervisor. They never came on the phone. Finally got disconnected. Date was XX/XX/2020. 
Then I tried XX/XX/2020, the company wanted me to chat online. That person wasn't helpful either, directed me to the dispute on to download but there isn't anything on for disputing late fees. I also tried to call and I was disconnected again. 
All I want is my {$28.00} late fee. I can show what I paid for the last 4 months. 
The payment is due on the XXXX You can see all payments were paid but not when ChevronTexaco credit card company says. 
This is what credit cards companies are doing now. 
You can't even look at your statement on line unless you request it. 
The company that takes care of ChevronTexaco is Synchrony Bank I pay my bill every month. I feel that they should care about their customers. 
I haven't used this credit card for a long time. 
I feel credit card companies don't care about customers at all. I don't think this company has dispute area. There wasn't a option.

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 2016-08-29
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I agreed to fully pay this old debt and was led to believe if I made the payment, they would NOT report this debt to the credit bureaus. They continue to report this item. Please investigate. I can not seem to get a good answer on why this is happening. Since I work in the financial services industry, I fully understand the negative impact of having a collection on a credit report. As such, I would never have paid this item without their commitment they would NOT report it to the credit bureaus. 

Debt Amount : {$150.00} Fully paid XX/XX/XXXX2016

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've reached out to Wells Fargo several times regarding this fraudulent account that I didn't open. My identity was stolen and this account was opened as result of me being a victim of ID THEFT. I contacted Wells Fargo numerous times and provided Police Reports and other documentation supporting that I've never opened any account with them and that this was a result of my Identity being compromised. I wasn't even in the country during the alleged time this account was open and this information used to open the account doesn't match my Drivers License number or address, phone numbers or email. Wells Fargo continues to ignore the matter and this complaint has fell on deaf ears. If resolution isn't resolved then I will begin to take legal action against Wells Fargo and Credit Bureaus for reporting erroneous fraudulent information.

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 2016-10-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a CareCredit credit card in the mail. I have never heard of this company and have never applied for credit with them. The account, which I did not authorize, was in my name and had an {$18000.00} credit limit. The account had all of my personal information, including my social security number, physical and mailing address. When I called, I asked to be transferred to Fraud. The supervisor in fraud was nice but would not tell me how they received an application with my name on it. I would like to know how this happened specifically ; Was it an online application? Was it a paper application? Was it done by an employee of this company? I 'd like to know so I can protect myself from this happening again. 

I now have to notify the credit reporting agencies of potential fraud and have any new accounts blocked. This will undoubtedly mess up my ability to receive the best pricing options in the future on purchases.

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 2015-08-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I obtained care credit for medical expenses which had promotional zero percent interest if the balance was paid within a year. During the year I had a XXXX procedure completed. I paid over the amount of the monthly fee every month and at times XXXX my payments. I began accruing interest and when I called the company to dispute this I was told that I had to call every month after a payment a request that the additional amount I was sending in be credited to the initial purchase. I was told there was nothing I could do and that I would need to pay the interest. This is deceptive and not indicated in the contract. The company is Care Credit now Synchrony Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-08
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In XXXX of 2015 I had made a mistake with a credit card, made a payment in XXXX 's cycle, ( thinking I was making a card payment for XXXX ), they cut my credit line to about {$5.00} what I owed, and now they cut my credit line well below what my balance is now. I do not know what to do, because I do not have the money to pay what they are demanding. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: U.S. BANCORP
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
To Whom It May Concern, This letter serves as a formal request for a full refund on the product that I bought. 
I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. 
It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. 
Gift cards can be tampered with at the store, she said, by crooks who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. 
Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. 
The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. 
" As soon as that card hits the cash register, they're pinged, '' XXXX said. 
The value of the card can end up being drained by an outsider, without ever leaving your hands. 
I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product. 
I attached the receipt that I got with the product as proof it was purchased from your company.

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I recently received a copy of my ( XXXX, XXXX, TransUnion ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numberXXXX SOC SEC ADMIN OFFICE XXXX Account XXXX U S DEPT OF ED/XXXX/XXXX  Account XXXX DEPT OF ED/XXXX/XXXX  Account XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX-XXXX  Inquired on XX/XX/XXXX The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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:
The following inquires I do not recognize : XX/XX/2022 - XXXX XXXXXXXX XXXX XX/XX/2022 - XXXX XXXX  XX/XX/2022 - XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 - XXXX XXXXXX/XX/2022 - XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/2022 - XXXX XXXX XXXX XXXXI XX/XX/2022 - XXXX XXXX XXXX  XXXX  XX/XX/2022 - XXXX  XX/XX/2022 - XXXX XXXX XXXXXXXX

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 2016-03-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have re-aging accounts that are still reporting on my credit back since 2007. I have disputed them some moany time and the credit reporting is still has not removed and will not help me any way.

Company response to consumer: Closed with explanation