BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have a very old debt with  XXXX   XXXX  from about 10 years ago on a private student loan. Apparently now the company is called  Navient  although I have never signed any contracts, nor do i acknowledge any obligation to 'Navient. ' I was told i would be forced to give my banking information and that there was no other option in my case, because ALL deferments and forebearances had been exhausted at that point. None to my recollection, did i request. They also told me that despite my unemployment, i would have to pay a {$160.00} payment per month. I communicated that there would be no way possible for me to manage this. My spouse is a  XXXX    XXXX   XXXX  , and on a fixed income and I spend a lot of time taking care of said spouse, doctor 's appointments, health issues etc. They constantly suggest that i contact the co-signor who i have repeatedly communicated that I am Estranged from, effective indefinitely for very personal and irrevocable reasons. There is no way around it. They continue to give me no options. I gave them my account info, All while letting them know that there was no way i could keep up with {$160.00} per month. They took my info, charged me the first time. It was a very hard month. They succeeded in getting another {$160.00} the next month which also very negatively affected my household. By the third month, the payment did not go through of course because this was  money I didnt have in the first place, and now they are threatening to place a default on my credit file. There are also Very many negative late payment marks on my credit score from du ring the time period they claim that my loans were in a forebearance/ deferrment. This company has harassed me, called me at work in the past to the point where discipline to me was threatened and other co-workers had personal information on me that made it a very hostile work environment. Clearly it was  Navient  Calling. They are making my life a living  XXXX . I would like to buy a hous e one da y, but they have so many negative marks on my credit file that i doubt it would be possible. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Bank of America Credit Card in late XXXX. After receiving conflicting information from customer service representatives on required information I contacted a customer service representative on XX/XX/XXXX. After speaking with a customer service representative for sometime at noon CST, I was shocked by what she said. At the end of the conversation she stated, " oh my XXXX- just don't apply. '' I've never received such poor customer service from a bank before. Nor have I had a customer service representative instruct me to not use their product. My belief was that everyone is invited to apply for all products.

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 2015-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have several accounts that are not mine that are still reporting on my credit file I have sent copies of my police report and a " notarized '' ftc id theft affidavit I have added a supplemental report from the police department outlining more specific the accounts involved

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
I was given a new phone number XXXX/XXXX/16 when I moved. 
New phone number : XXXX Immediately began receiving credit card co calling, Synchrony from XXXX XXXX XXXX. 
Tried to call them, ca n't talk to live person. They state on recording they are Walmart credit. Multiple calls received throughout the day. Pick up the phone unable to talk with a person. Calls for almost 3 weeks. Start at XXXX continue to 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 2015-06-11
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had a bank account with Huntington Bank from XXXX. I had an issue where transactions were being switched around by the bank and my deposits were being held extra days which was caused defaults and overdraft fees. There were also false internet transactions on my account. The bank was informed and did nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Other fee

Complaint:
For several months now I have noticed on my statement from Synchrony Bank that there is no minimum payment. They increase each months payment to suit them. The card in question is Walmart and I have realized that this bank has many of the day to day cards people use. At the moment I use this card for monthly food but did not expect the monthly payment to increase for doing so. Attachments

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: LoanCare, LLC
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:
Loancare acknowledges payment of account in full in XX/XX/XXXX but has certified that 180 day late payment on my XXXX  credit report in XX/XX/XXXX is valid. Due to this willful and wrong reporting i have been denied credit. 

XX/XX/XXXX I sent certified mail requesting that this is corrected XX/XX/XXXX I sent certified mail requesting that this is corrected XX/XX/XXXX I disputed this with XXXX  XX/XX/XXXX XXXX  reported that the company that reported the information has certified to XXXX  that the information is correct XX/XX/XXXX Filed a complaint with Consumer Financial Protection Bureau XX/XX/XXXX Mortgage servicer provided letter stating that payment history is being reported correctly while contradicting themselves in letter I have called the number given to me in the XX/XX/XXXX letter everyday since then and the office has been closed everyday since.

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 2015-08-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for a ge/care credit card to pay for my son XXXX. At the time I applied I was told interest would not be added to this account during the promotional period which would have allowed me to pay the entire balance off as long as I made my minimum payments ( just as I did before ). Before the promotional period was over ge capital retail bank/care credit added an estimated {$1000.00} of interest to this account. I was shocked and stunned when they sent me a statement with this interest dade I then called and spoke to several reps. Trying to resolve the matter they felt it was not right but they could not take the interest off so I therefore attempted to make several more payments until I could not anymore. I knew this was not right and at the time I did not know who to turn to for help about the matter who governed this type of misrepresentation and or fraud from credit card companies. They added interest and will not accurately report to the credit bureau they have me owing XXXX of dollars in which I was almost done paying them until they pulled they stunt and they continued adding interest every month thereafter after the lump sum amount of an estimated {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Other

Complaint:
Barclay Card US XXXX XXXX XXXX 's business practices are horrifying. I requested a credit line increase recently and a few hours later was called by a customer service representative to " discuss '' this after being asked several invasive, inappropriate, irrelevant questions, then being lectured on credit use, I was still denied. I was asked questions about accounts that are no longer on my credit report, so he had to have been looking at old notes or something, and he was asking for " reasons '' behind what he described as " situations '', when I told him he snickered, then still denied the increase. I did ask him why it was necessary to ask those questions and he said to see if " the situations changed '', I expressed my opinion that it had nothing to do with the account I was requesting an increase on and he said that was for him to decide, and that he needed to see me be responsible longer and then we could talk about it later ... .as if I was a child. He talked down to me the entire conversation, in fact his tone was combative from the minute I picked up the phone, it was awful and embarrassing. I am not some loser that does n't pay her bills and being treated that way is outrageous!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
XX/XX/2016 ON XXXX WALMART CREDIT CARD SERVICES OVERCHARGED MY WALMART CREDIT CARD {$1000.00} FOR A XXXX CAR PAYMENT I HAD PREVIOUSLY MADE ON XX/XX/2016 WHICH WAS ALREADY DEDUCTED & REFLECTED ON MY XXXX & XXXX 2016 WALMART CREDIT CARD STATEMENT. I WANT WALMART TO CREDIT MY CREDIT CARD BACK THE {$1000.00}. MY BALANCE SHOULD BE AS OF TODAY {$1300.00} NOT {$2300.00}. I AM ALSO REPORTING THE WALMART FRAUD OVERCHARGE TO THE ILLINOIS DISTRICT ATTORNEY. I NEED ALL INTEREST LATE FEES AND AN ADDITIONAL XXXX CREDITED TO MY ACCOUNT FOR HAVING TO SPEND UP TO 3 HOURS ON THE PHONE WITH WALMART REP 'S XXXX, XXXX & XXXX IMMEDIATELY I NEED UP TO {$1000.00} REFUND CREDIT FROM WALMART TO MY WALMART CREDIT CARD :

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 2017-03-15
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Rewards

Complaint:
My credit card, issued by Barclays Bank Delaware, gives XXXX XXXX reward points as an anniversary benefit. It was supposed to be accrued by XX/XX/2016 but did not happen. I complained multiple times through their messaging system but no positive response was given. Because of this delay, my account balance ( XXXX points ) at XXXX was also forfeited.

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 2016-04-12
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Unauthorized credit cards listed on my credit report that I did not authorize while also pulling my credit report. My personal and private information was pulled on XXXX XXXX, XXXX by XXXX XXXX XXXX in California which was deemed impermissible. My personal and private information was also stated in audio copyrighted in XXXX XXXX that is now public knowledge ( ref # XXXX ) Since this person responsible for obtaining my social security number had XXXX pull my information, I have had attempts of people trying to use my social security number to open accounts in my name.

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 2022-02-28
Company: Experian Information Solutions Inc.
State: IL
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 have previously disputed with XXXX, experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 2016-10-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I had purchased a vehicle with XXXX XXXX Toyota on XXXX XXXX. The sales agent was XXXX XXXX. I purchased the vehicle with a gold level vehicle service agreement where toyota would do a XXXX oil change and fix any engine and transmission problem with the vehicle like an insurance policy. I moved from XXXX to XXXX after doing XXXX oil change and contacted XXXX Toyota that I would need to cancel the service agreement because I no longer lived in XXXX. I was advised that I would need to send a signed letter agreeing to terminate the service. I went to the dealer ( XXXX XXXX Toyota ) and handed over the signed letter to XXXX XXXX XXXX. The sales rep told me that I will not be refunded the balance but any refund amount will be applied to the principle and there would be no changes to the monthly payment amount. The total refund was calculated to be {$2400.00} was told that it will be applied to principle balance on XXXX XXXX. 

However, this refund was never applied to the original balance. I contacted Toyota on XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX but this payment was never applied. I contacted XXXX Toyota and the dealer claimed that they never received the letter of cancellation and the policy was already expired and there will be no refund. I did n't pay rest of the balance which at the time was {$1900.00}. 

I had no avenue to resolution. I re-contacted Toyota Financial on XXXX XXXX and they advised me that Dealer are independent to Toyota Financial and they are unable to contact the dealer on my behalf. I contacted XXXX Toyota again and they advised me that there is nothing they can do about this. 

I ended up doing a settlement on this account because the refund from XXXX Toyota was never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have opted out permanently on the FTC site from credit card offers, however I have just received one in the mail. I was hoping either you could help me or you could point me in the direction of who could, in terms of filing a complaint, getting this issuer to stop sending me offers ( they include no opt-out number in the offer ) and finding out how they were able to send me this offer when I 'm opted out. 
Any help you could offer me would be greatly appreciated. 
Thanks.

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 2016-12-13
Company: Netspend Corporation
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2016 my debit card was used fraudulently to purchase XXXX dollars worth of t-shirts from a company called XXXX.online. I notified Netspend, the company who issued the debit card, on XXXX/XXXX/2016 of the fraudulent charges. I filed a police report with the XXXX Police department. Police report number XXXX. The detective was able to determine that other people had their debit cards used fraudulently to purchase items from XXXXonline. Netspend performed an investigation and determined that I am responsible for these charges. This is completely unacceptable and unethical. Per the Electronic Fund Transfer Act, if I report these unauthorized fraudulent charges within 60 days, the most I could be held responsible for is XXXX dollars. Even XXXX dollars is questionable per the FTC which states, " if someone makes unauthorized charges with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX reported I had XXXX late payments to them. I have never had an account with them. I paid an auto loan off with XXXX in XX/XX/XXXX. XXXX XXXX finance bought out XXXX in XX/XX/XXXX an are saying they used information from the acquired XXXX account to report late payments. XXXX XXXX XXXX said they would send me information proving the late payments but has not sent me documentation of any kind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Upon reviewing my TransUnion credit reports I researched several incorrect *reported addresses and telephone numbers* listed as my personal contacts. One of the telephone numbers was the personal cell phone number of an employee seeking debt collections : XXXX ( Health Care Bill ) ... the employee 's name is XXXX, XXXX ( *reported number listed as mine ). Is this a legal procedure to provide my personal financial information to a medical collections/billing employee of a debtor? I truly feel violated in privacy and would like to know more about why XXXX personal cell number is listed on my personal credit report without my consent or permission.

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 2016-12-19
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Grant Mercantile Institute. On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: ALLY FINANCIAL INC.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Ally Auto received XXXX checks on XX/XX/2016 at XXXX and proof of XXXX delivery, which was signed for. XXXX check was {$17.00} and the other was {$32000.00}. The total amount was more than what was owed. I called on XX/XX/2016 when they were not posted and was told, it was not enough for the payoff and was told if I did n't make a payment of {$51.00}, they would not post the payments. I was also told it could take up to 10 days and would not be posted on the date they were received. When I was getting nowhere, I contacted my rep at the XXXX XXXX XXXX XXXX and she has called everyday since XX/XX/2016. She has never spoke to the same person and within those calls, did get a reference # XXXX. Ally Auto has confirmed they have the XXXX checks and keeps assuring her they will be posted within 24-48 hours and it has been escalated and that it takes time. It has been 7 days since the checks were received. This should not be happening and I have read other reviews on line about this happening to other people. Ally Auto has been called everyday, a few times a day to try to get this resolved and as of today, my auto loan is still showing a balance. The call today, my rep was able to speak to a supervisor, who told her they are working on and will be posted today. She also told her that we just need to have patience, that these things take time. This is unacceptable. As a bank, the check should have been posted the day it was received. I will NEVER go through Ally Auto/Bank again would like warn others who do.

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 2016-06-09
Company: Union Home Mortgage Corp
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a escrow account and my mortgage company did not pay my XXXX winter taxes and now they are over 6 months late

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