BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am XXXX XXXX, last four social - XXXX XXXX. I am a victim if XXXX XXXXXXXX and identity theft. XXXX, XXXX had a breach where my social was obtained. Someone fraudently filed taxes in my name. I never had to file taxes because I am a Veteran with a 100 % service connected XXXX and I recieve compensation. I never applied to these companies or their creditors. 

I also have a fraud account with XXXX XXXX. I did not apply for this. Please help me in investigating these fradgenlent actions against my credit report. 

XXXX is a collector for XXXX  XX/XX/XXXX for XXXX dollars. TRANSUNION XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX dollars. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2015-11-11
Company: Dealer Funding, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Dealer Funding repossed my car today, XXXX/XXXX/15 without sending me a notice to cure my debt. I was unaware that they were coming to take my car or that they thought I was behind as they say I am. I have been making payments, the last one made was in XX/XX/XXXX but they claim that I have not paid a payment for four months which is not true and I have proof. When I made my last payment, it reflected my balance and with the payment I made, it brought the balance down under {$1000.00}. I lost my job and without a car I can not obtain a new one. When I called I was told my car was out for repo since XX/XX/XXXX but I had since made a payments that brought my balance down, the last one being in XX/XX/XXXX and i never received a notice to cure. I spoke to XXXX who said they had been looking for me for four months but I never received notice and my partial payments have been accepted ; they have sent me statements but no notices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-24
Company: SYNCHRONY FINANCIAL
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I was unemployed for 4 weeks and got behind in payments the first month. I fully intend to repay the {$800.00} loan for dental services. Yet they continually call 5-10 times a day, send letters, and emails. I can not repay the loan if Synchrony Financial continually harasses me while working. I will lose my new job and will not be able to make the payments. I can not make the payments, if Synchrony Financial continually harasses me at work, I will lose employment.

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 2021-03-19
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX SOLD THE FINANCE OPERATION TO SPRUCE FINANCE. 
I WAS NEVER INFORMED OF THIS TRANSACTION, THEY SAID THEY SENT AN E-MAIL WHICH I NEVER RECEIVED. THEY SENT A BILL FOR PAST DUE AMOUNTS WHICH I HAD SENT A CHEK TO XXXX FOR THE MONTHS OF XXXX & XXXX. I TRIED CALLING THE NUMBER FOR THE FINANCIAL DIVISION AND NO RESPONSE. I WAS ON HOLD FOR AN HOUR AND A HALF, I TRIED AGAIN THE NEXT DAY THE SAME AND NO RESPONSE. I SENT AN E-MAIL OUTLINING THE PAYMENT AND CORRECT E-MAIL ADDRESS AND INCLUDED MY CELL # AND HOME PHONE #. NO RESPONSE ... .THEY HAVE AN F RATING ON THE XXXX WEBSITE AND I AM NOT ALONE THERE ARE MANY CUSTOMERS GOING THRU THIS NIGHTMARE. THE BILL THEY SENT WAS FOR {$350.00} THAT INCLUDES THE 2 MONTHS ALREADY PD. THEY CASHED THE CHECK AS IT APPEARED ON MY BANK STATEMENT AS OF XXXX. THEY SUPPOSEDLY SENT AN EMAIL ON XX/XX/17. I STILL HAVE NOT HEARD BACK FROM THE COMPANY. THE PHONE # THEY GIVE IS : XXXX. NO ANSWER JUST MUSIC AND WHEN IT BEGINS THE 3RD TIME AROUND YOU KNOW THEY AREN'T PICKING UP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
In XX/XX/XXXX my credit card was stolen. There were approximately {$2000.00} in fraudulent charges. I notified my cardholder, Synchrony Bank, who informed me that I have fraud protection and that I am not held liable for any fraudulent transactions made. They will not remove the transactions from my account and still require me to make an outrageous monthly payment because they still have not finished " investigating '' it, even though it is now XX/XX/XXXX. I have paid in full all valid transactions made on my credit card. The balance due is now 100 % fraudulent transactions. So I do not feel it is right or fair to hold me liable for this balance, interest, and monthly payment. Every representative I have spoken to has been extremely unhelpful. They have lied to me, and have even told me that my fraud case has been completed and all transactions were refunded to my account. When that is not the case at all. I can not get an answer from anyone as to why I am being held liable. XX/XX/XXXX my monthly payment was {$160.00} because of these fraudulent transactions. When I called a representative instructed me to just pay around {$50.00} because that would cover the legitimate transactions on my account. That did not seem right to me. I took out a personal loan to pay off my legitimate transactions because I do not feel comfortable owing this bank any money. I do not believe they will reverse the fraudulent transactions. I do not believe anything that they say to me. I believe they are deliberately taking advantage of an innocent consumer that lives paycheck to paycheck. 

On XX/XX/XXXX I received a letter stating my claim had been approved and everything was credited back to my account. It has not been, so I contacted the bank and they were unsure as to why I would have received that letter and they could not help me.

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 2016-08-20
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX/XXXX/2016 at Sam 's Club in XXXX, DE, Sam 's Club Master Card issued by Synchrony Bank declined credit on my intended purchase although for years I and my husband paid our bills on full and in time.

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 2021-03-19
Company: LoanCare, LLC
State: NM
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:
Had a big problem with XXXX XXXX getting my payments to XXXX via Loancare during XXXX, but when my husband and I were going to refinance our newly built home, the finance company told us our credit rating had gone from XXXX to XXXX all because of late payment reporting by Loancare . The finance company told me that we had been late a few times in XXXX and had not paid the XXXX and XXXX payment in XXXX. I have proof which I will attach later that ALL payments were made on time to XXXX XXXX XXXX, in XXXX, NM but in XXXX there was two months that XXXX XXXX did not pay the payment to Loancare because they were buying out XXXX XXXX and XXXX XXXX did not pay the payments even though they had received the money.. Then The payments were sent to Loancare with the wrong account number a number of times and then in XXXX and XXXX of XXXX they sent the payments to XXXX in XXXX ( and they can not tell me why that happened ) Payments have been supposed to go to Loancare in CA all along. I dealt with XXXX XXXX for XXXX ( she was with XXXX XXXX and continued on with XXXX Escrow when they took over ) I had other problems with the Escrow company because they did not send me the distribution of money that I was supposed to get but finally gave up on that. Out credit rating is much more important. I want to pay off Loancare ( I have the money ) and get rid of my headache with them and the Escrow Company but need to clear up my credit first. If you check you will see that we have NEVER been below XXXX on our rating and pay all our bills on time or ahead of time. Can not even reach XXXX now and am talking with someone that is supposed to be a manager named XXXX at XXXX XXXX. I have even more emails and such if you need them. We have a gentleman by the name of XXXX XXXX XXXX XXXX that signed a Real Estate contract with us in XX/XX/XXXX to buy the house and the XXXX XXXX company ( Then ) would get their payment, send the payment to XXXX/Loancare and send us he difference. I have proof that XXXX has NEVER missed a payment and is ALWAYS on time. It is the Escrow company in XXXX that started to XXXX things up. In XXXX I was assured that they would never report any bad credit to the credit bureau when I found out what was happening. I just want our credit rating restored since we have NEVER been late on anything. Over the years I have made numerous calls to Loancare to explain what was happening but also had a hard time getting to a human person. Hours on the phone each time trying to get to a live person. The Escrow company as of yesterday had not even paid the two payments that they sent to XXXX in error according to LoanCare.

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 2021-03-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2016-01-11
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
cant ake any more scripts. i asked for a XXXX time good will credit since i am a GOOD customer and get nothing from this card never mind i need it and deserve it i am put on hold told no. its pure greed and without loyalty i cant be loyal either that is business i wias put on hold and still declined what a message. i will stick with XXXX who gives good will crediits to me ona regular basis since i am valued ther efor all the times i cant understand the person due to their XXXX and am put on hold for no reason. i am enraged GREED XXXX credit of XXXX dollars will not kill you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: BARCLAYS BANK DELAWARE
State: ME
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:
Is the CFPB going to allow this case to be closed when Barclays response was clearly based on incorrect information? 

Barclay 's sent me a letter dated XX/XX/21 that if I didn't use credit card my card within 30 days, the account would be closed due to inactivity. A review online of my account on XX/XX/21 showed the account had already been closed. After calling Barclays Customer Service the same day, I found out that they closed the account on XX/XX/21 and would make me reapply to have another card. The credit line on the card was {$13000.00}, this has now caused my utilization rate to increase significantly, impacting my credit score. The representative didn't appear to know how I could formally file a complaint with his company, except to have somebody call me. He certainly didn't seem to know how to log any CFPB complaints internally. It's unclear to me how a company can send a letter saying I have a certain number of days to do something and then take action prior to allowing the given timeframe for that to occur.

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 2017-02-05
Company: SYNCHRONY FINANCIAL
State: SD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This account has been paid and suppose to be removed from my credit report. I continuely get letter saying I owe. I have tried multiple times to get this handled I get get nowhere. Finally credit bureau stayed it would be removed from my credit report. They removed but added it back on again. Please investigate. I contacted fair trade and they Re investigating too. I want this removed from all my credit reports. Thank you, 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 2015-12-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Other

Complaint:
I had XXXX accounts with synchrony bank. I did not owe them any money. When I claimed bankruptcy, they automatically closed my XXXX accounts because my name was pulled from a database. I am trying to buy a home, now, and these XXXX accounts are showing up on my credit report erroneously. They show that they were filed under bankruptcy, which is totally untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I received a investigation report after my dispute in regards to an account  XXXX . it indicated the account  XXXX  was deleted ; however when I viewed an full updated copy of my credit file  XXXX  account number  XXXX  was not deleted. I am asking for the account to please be immediately deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX  I had applied for 2 things. I did not do anything with anything with XXXX XXXX. I never signed anything. Have No idea what they are talking about. 

They are giving me hard inquires on XX/XX/XXXX and XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me.

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 2020-03-26
Company: EQUIFAX, 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:
I was looking at my credit report on XX/XX/XXXX where I had noticed inaccurate Information. They are saying a XXXX  XXXX I had made a hard pull with on XX/XX/XXXX. This Is totally Inaccurate and fraud. I never signed anything and this was never authorized by me. I do have an account with XXXX  XXXX but this situation is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The Fair Credit Reporting Act states that negative information can not appear on one 's credit report for a period longer than 7 years. But despite that, XXXX continues to report an old negative account on my credit file. It has now been on my credit report for 7 years and 3 months. This account needs to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Bread Financial Holdings, Inc.
State: NY
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:
In XX/XX/XXXX, I paid for a BJ 's membership and when asked if I wanted a BJ 's master card - I specifically said No. However, a card was issued anyway. Once I received the card, I immediately canceled it. Despite the cancellation, I continued to received ongoing bills for annual fee and later on late fees. I contacted Comenity Bank on XX/XX/XXXX ; XX/XX/XXXX ; and again on XX/XX/XXXX and most recently on XXXX- a late fee of {$16.00}. I was told I have been credited the annual fee, however, I am still receiving a bill for late fees. I was told on XX/XX/XXXX By XXXX, that he would escalate my concern and the late would be removed. Although on XX/XX/XXXX, I received another bill for a late dated XX/XX/XXXX with a late fee of {$19.00}. I am requesting assistance with closing this matter permanently and all late fees removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i had call from impersonating irs and XXXX state police ( i found out the later ). XX/XX/XXXX when i return that call they told me i own {$3500.00} back taxesXX/XX/XXXX, it did not make sense. they told me send me latter XXXX, i never got it and told them. but i know mail does not come to me in the past. but if i hang up, warrant will be issue in XXXX. will have criminal records, even i am innocent it will cost me {$80000.00} later to fight, and need criminal lawyer. so they told me you have to send money asap by moneygram. so i sent {$1700.00} + {$35.00} ( fees ). Once they want me to send another half right away, i went to police and hand my phone to police officer then i learn it was scam. by the time i reach out to moneygram it was too late money has been taken away. if they really want to i know they can track it down, but the do not seem to care much. i am sure there is camera and can track it down who took the money but do not see any effort at all. ALSO moneygram does not do anything at all incidents like this or say you should never send money to government this way or mentioning scam like this which seems to be common, accepting money in limited info, example of extortions. so they do fail to explain the rules i think they are responsible as well for my {$1700.00} + {$35.00} ( fees ). they are part of scam. However credit card, XXXX are more strict. but this Moneygram ... all the numbers on receipts are not helpful. it is scary business like this exists! i do not want anyone to go through this. Please please help, thank you very much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
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:
My credit card is used in the same manner negative or positive since I began the account, now they informed me there was a problem with a payment I made electronically late so they decided to close my account. My position is I have not done anything new on my account so I can only figure this is Covid-19 related. After receiving a fraud letter XX/XX/XXXX, I reached out to them for a remedy to get reinstated. I was informed to prove I had the funds in my account on the day the money transfer hit the bank. I want to point out this same matter occurred in the past without any punishment I want to know why has the company taken action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Lloyd & McDaniel, PLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Man showed up in plain clothing to my home waited for me to pull in my drive way dropped paper work off from Lloyd and McDaniel did not give his name. Took pictures of my home and my children without my permission. I called the company and have not received a phone call back. The man gave me paperwork stating that I had a court date and that they would pass a judgement on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
Last month I had the fraud case and got help for it with your company then the direct express card put a payment on it and didn't explain what was going on. 
Then yesterday XX/XX/2022 I got a overdraft fee of XXXX and they took my money I had left on my card XXXX and so I called them and they said that they closed the investigation that day and that's why I was charged the money. Then today I called them back to get more information about it. The lady XXXX told me that I need to pay them back for the money they put on my card and that I don't have any other choice. 
I live on a strict budget for the month I can't even live on what I get with out help I got a lot of bills I can just pay that kind of money in one go they are the ones that made the mistake on my card and now they want me to pay for it.

Company response to consumer: Closed with explanation