BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-06
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card
Issue: Other

Complaint:
I am writing in regards to my account with G.E. Capital Retail Bank, now Synchrony Bank, for a store ( Banana Republic ) XXXX card I had from XX/XX/XXXX- XX/XX/XXXX. 

In XX/XX/XXXX, this issue was resolved regarding uncredited payments ( see CFPB complaint case no : XXXX ). However on my most recent credit reports ( with XXXX and XXXX ), the information shows up again as a " Charge Off '' and that my information was sold to XXXX XXXX XXXX to collect my unpaid debt- a debt of which I am unaware. To my knowledge, I paid this account in full and closed the account. 

The floor supervisor in the Recovery Department at G.E./Synchrony, XXXX, researched the matter per my phone call today, XXXX XXXX. The alleged unpaid debt is a minuscule amount- $ XXXX and comes after my correspondence and phone calls with G.E. Capital Retail Bank paying the account in full and closing the account in XX/XX/XXXX. 

Furthermore, XXXX tells me that records show that the last statements were returned to G.E. Bank in XX/XX/XXXX. Though she is unclear as to why I would be receiving statements after my account was closed, she surmises that the {$11.00} is outstanding interest, though she can not be sure since the alleged debt has been charged off. 

Synchrony should transfer my account back from XXXX XXXX XXXX, the company to which my account was sold in XX/XX/XXXX. Please note, this sale of incorrect information was a year and nine months after I believed the account to be paid in full and closed! Furthermore, Synchrony should provide a detailed, itemized report of alleged outstanding debt. Finally, Synchrony should report to all XXXX credit bureaus that my account is " Pays As Agreed '' and closed at consumer 's request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-15
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Im very confused as to how my payments have been applied to my account, and the information being provided by Advance Financial is intentionally confusing and misleading. I will receive a statement in my email saying my minimum due is a small amount like XXXX dollars, but their website says its over {$1000.00}. I understand my loan is past due and have been making a regular payment every two weeks to pay down the balance, but its like those payments arent being reflected in the past due payments or the principle amount. My receipts never break down where the money is going to. Honestly I think Im just making a payment every two weeks until I die to only avoid my bank account getting levied without notice, which apparently is in the fine print. The company wont explain why my biweekly statement will say I owe {$15.00}, make a {$25.00} payment then be two more weeks past due. If its a line of credit and my interest rolls over, why doesnt my minimum payment recalculate like any other line of credit and just show Ive missed a month? Why am I still missing payments? Why are my payments not paying down my loan? Where are my loan documents? 
Ive tried calling the company to no resolution, but despite being located in Tennessee, Ill get 5-10 calls from out of state numbers a day spoofed by this company reminding me of my payment, which Ive made. The companys representatives are kind, but the information they are given is incorrect and the help they try to give is therefore useless. I was told last XXXX after losing my job that if I let my loan go even more past due, at 45 days every payment I would make would be matched by the company. That never happened. I stopped accruing interest at 90 days, but once my loan is caught up to 90 days past due itll be accruing once again, which I found out from a former employee, but never informed of by current workers. Ill ask to speak to managers, compliance managers or employees, and the legal department and will be flat out denied. My information will never be forwarded over. Honestly, it wasnt until I spoke to lawyer and informed them that they started working. I absolutely believe that underneath their polished exterior that this company is not complying to legal guidelines, and if this has happed to me, it must have happened to others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a Chase XXXX XXXX XXXX credit card in the mail in which I never applied for. It is shown as a hard inquiry on my XXXX report as JPMCB card inquired on XX/XX/22. I called Chase card services and reported it fraudulent and had the account closed. I called XXXX and put a freeze and a fraud alert on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: Bayside Capital Services, LLC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have received repeated calls from a few different  XXXX  or  XXXX  numbers in recent weeks  (   XXXX   2017  ). Within the last few days they have switched to " private numbe r ''. Yesterday  (     XXXX   XXXX   , 2017 ), som eon e left  a message with no name, no company identified, and said they were " delivering important certified legal documents to take legal action '' I erased the message thinking it was som e SPAM or Ro bocall.      Today (     XXXX   XXXX  , 2  017   ) the number called again and I answered. I asked for the person to identify themselves, they did not give their name, but said they were from a " Bayside Capital '' group and told me that lega l documents would be delivered next week and that they are obligated to inform me. I said what is it in reference to? He gave no answer he just kept saying " it 's about legal documents that will be delivered '' I asked for a number and he gave it. I have no idea who this company is, what they want or what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX ) Credit giant XXXX sent lenders incorrect credit scores for millions of consumers this spring, in a technology snafu with major real-world impact.

In certain cases the errors were significant enough the differential was at least XXXX points for around XXXX consumers that some would-be borrowers may have been wrongfully denied credit, the company said in a statement. 
XXXX ( XXXX ) fell about 2 % Tuesday on the report and were down nearly 5 % and shortly after the open Wednesday. 
The problem occurred because of a " coding issue '' when making a change to one of XXXX 's servers, according to the company, which said the issue " was in place over a period of a few weeks [ and ] resulted in the potential miscalculation '' of credit scores. 
While XXXX did not specify dates or figures, a XX/XX/XXXX alert from housing agency XXXX XXXX to its clients said XXXX told the agency that about 12 % of all credit scores released from XX/XX/XXXX to XX/XX/XXXX may be have been incorrect. 
XXXX wrote that " there was no shift in the vast majority of scores '' and that " credit reports were not affected. '' But the company declined to comment to XXXX XXXX about how people can learn whether they were among those whose credit scores were incorrectly reported and what recourse they may have if they were issued loans at a higher rate or denied a loan outright because of the snafu.

15 U.S. Code 1681- Congressional findings and statement of purpose ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and possible other credit reporting agencies to come have not displayed responsibilities with fairness, respect, or privacy in relation to consumers credit reports by admitting to these statements XX/XX/2022. I have a right to demand any unfamiliar, incorrect, or inaccurate information be removed from my credit report, immediately. As this mishandling of information has put my family in a state of suffering and need to be resolved immediately. XXXX needs to be held accountable even if that means paying individuals affected, especially myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I 've been working with Barclays Credit Cards regarding Identity fraud that I have been a victim of. I have supplied them with information from the Federal Government, Federal Trade Commission, Consumer Financial Protection Bureau, United States Department of Justice, as well as my local police report. All parties agree that I was the victim of aggravated identity fraud and I was told by a fraud supervisor named XXXX after a multi-month investigation that I 'd be receiving a check in the mail regarding my credit balance. Several days later, a fraud investigator called asking more questions, this investigator named XXXX spoke with me and said he 'd issue refunds after he verified the police report. When I checked my account this morning, I was stuck with the bill for every single charge. This needs be addressed as I 'm now pursuing legal advice to move forward with a lawsuit if this is n't corrected ASAP.

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 2020-03-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a Wells Fargo checking account for the {$400.00} bonus the bank offered. I have spoken to many bank officials to make sure that I completed the offer, but now I've been told that they can't find my offer. I spent an hour with a Customer Service Representative last week who got on the phone with Corporate and was unable to find out any details, let alone, when I was to receive the {$400.00}. I feel like I've been lied to and and misled, it's worse because I can imagine the hundreds of thousands of customers duped across the nation. I can not let this stand.

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 2020-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 submitted a dispute letter for account listed on my credit report and inquiries on XX/XX/2020. I have not heard anything from Transunion regarding my dispute and I also sent them a demand to comply letter that they have not responded to regarding unverified information being listed on my credit report that damaging my credit score

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: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
My electric service contract was ending XXXX. I started looking for a new provider with a better reputation and price. Applied online and they said I had to pay a {$250.00} deposit for each meter. ( 2 ) I have excellent credit. 1 late payment in 20 years. ( XXXX ) XXXX XXXX says XXXX score. But I know they are XXXX to XXXX points lower than than the agency scores. I've lived in this house since XX/XX/XXXX. ALWAYS had utilities. Deposits were returned in XXXX. I've not paid a deposit since. I called that service provider and they stated that Experian says I have NO credit history. I have XXXX store cards and a bank account. I've been with my bank since the XXXX 's. Had those cards for many years. So I start trying to contact Experian. What a joke. You CAN NOT reach these people. Yet they control aspects of your life ( utilities ). I found XXXX 's of complaints about the same thing and about their " Service '' they offer. They set people up for a service, they sell, XXXX, then don't deliver and you can't cancel because they won't answer the phone or won't respond to your emails. This needs to be investigated. They are out of control. I read about a man that had a high score ( other agencies ) a mortgage, utilities, and credit cards. He applied for something thru a company and apparently they checked Experian. They told that company that he had NO CREDIT. These people are playing games with peoples lives. Since when do THEY have the right to do this. XXXX " Experian complaints ''XXXX XXXX, XXXX report, XXXX XXXX and many more.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I used Care Credit several years ago to pay for dental work. Since then, I 've had to call them several times to report " erroneous '' fees applied to my account. After paying off my account this past XXXX, I asked them to remove me entirely from their system. However, most recently I received a Care Credit XXXX that I never requested. When I called to complain, they said I had received a mailing saying that I had been prequalified and that I needed to " opt out '' if I did n't want the card. The customer service person ( XXXX, employee number XXXX ) told me that the card was issued because I did n't opt out even though I was given " plenty of time to do so. '' Given that I receive " pre qualified '' notices all the time, this seems incredibly deceptive. I am willing to take whatever steps or provide whatever information I can to stop this company ( the representative said Synchrony bank issued the card ) from scamming other customers.

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 2020-03-15
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2020 I was billed for {$21.00} and was told that on XX/XX/XXXX I ordered a credit LOCK on my account ... I was in the hospital with XXXX  XXXX and did not authorize any LOCK ... I had called a year ago to order a Credit FREEZE .. which i was told was free ... Plus I was have an extreme issue trying to understand the off shore operator and she apparently was not understanding what I was trying to say to her ... after telling her I was going to contact you she mysteriously understood that I wanted my " membership '' charge reversed and still wanted my credit FREEZE put on their account ... free .... 

she also offered a {$4.00} monthly fee to credit Freeze ... what kind of XXXX  is going on here ...???

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 2020-03-15
Company: REVERSE MORTGAGE INVESTMENT TR
State: WA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I entered into a reverse mortgage with XXXX XXXX XXXX XXXX XXXX ( Loan # XXXX ). Everything went smoothly until I received a 'Notice of Assignment ' ( attached ) from Reverse Mortgage Funding in XX/XX/XXXX. When I received the assignment, I noticed that the balance on my loan had changed dramatically. RMF instructed me to call XXXX because they were working with what had been sent to them prior to the assignment. XXXX gave me such a run-around that I knew something was fishy. I initiated a refinance with XXXX in XX/XX/XXXX that was completed in XXXX. I will be XXXX this XXXX and I refused to allow anyone to cheat me out of my home. Even though this is an added burden on me, I worked too hard to get my home. 

Then, on the XX/XX/XXXX, I received the letter that's also attached from RMF. I have no idea what to do. From the very beginning, I have gotten 'word salad ' from both of these companies.

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 2016-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
For the last 8 months we have been arguing with XXXX about a credit card that was charged off back in 2012. Currently they are continuously reporting our charged off credit card account every month as 90 days late with a fluctuating past due balance that is incorrect. We have been making payment to the XXXX every month since XX/XX/2012. We currently owe XXXX when the charged off amount was XXXX. We have disputed this through XXXX, Equifax and XXXX. The account was removed completely from XXXX due to no response and when the dispute was sent in to Equifax we had XXXX 90 day late pays and they decreased it to XXXX. But they are still reporting us 90 days late according to my credit report on XXXX. Despite several attempts with the collection department at usaa nothing has been resolved. They are rude, disrespectful, they put us on hold and never pick up, they talk over me, yell at me and tell me there is nothing they can do. This account is causing my credit score to hardly change at all despite us working hard to repair our credit. XXXX is inaccurately reporting our credit card account on our credit and we just need help. We have done the right thing and have been making regular monthly payments to them for the last 4 years. We will continue to do so until the account is paid in full. We are not wanting to settle the account or anything. We just need this account fixed and have them do the right thing and report our credit card account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: FIRST HAWAIIAN, INC.
State: GU
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit made on XX/XX/22 for {$500.00} was placed on hold. The item cleared my bank on the same day XX/XX/22 as the routing # XXXX is the same. This is unfair and untimely hold notice and practice as the first {$220.00} was not made available. The notice was sent on XX/XX/22 for uncollected funds which they received on XX/XX/22. 

The account has never been overdrawn, the account has been opened for more than a year and previous checks from this account has been deposited and cleared. The amount of the check was only {$500.00}. The call center has heard of my complaint on the same issue months ago and still continues this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Experian Information Solutions Inc.
State: TX
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/2019, I began personally disputing an adverse account for {$170.00} that had been listed on my credit reports that did not belong to me. I received replies from the CRAs that the information was verified accurate although no information was provided to attest this. Instead of disputing through the CRAs again, I disputed directly with the original creditor listed on the reports. I sent the letter to the original creditor on the XXXX day of XXXX. In less than two weeks, I received a response letter requesting additional documentation. 

On XX/XX/XXXX, I mailed additional information to the original creditor and on XX/XX/XXXX I received a reply that states they submitted a request to XXXX, XXXX XXXX, and Experian to remove the trade line. The letter also states " The credit bureaus request that you allow 14 to 30 business days for this request to be deleted from your credit report. '' XXXX XXXX and XXXX   removed the trade line within the 30 business days. Experian has not removed the trade line despite of the original creditors request ; I've also sent the acknowledgement letter I received from the original creditor to Experian and still nothing. 

Experian is continuing to report information that has been recorded as inaccurate. They are in violation of Section 611 ( 5 ) ( A ) as well as Section 617. The original creditors request has been ignored by Experian. This error is affecting the way I am perceived by creditors. The trade line that Experian is continuing to report is not an accurate indicator of my actual credit worthiness.

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