BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-23
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I was charged for an XXXX XXXX membership on a yearly basis via my XXXX XXXX XXXX and also charged on a monthly basis via Synchrony Bank XXXX store card at {$14.00} per month for the same 2 year period. I have provided proof to Synchrony of the yearly charges and they refunded 1 year but have still not refunded the second year. I started my original dispute about XX/XX/2021 so it is now more than 90 days and they keep sending me emails that they are refunding the amount but nothing every happens for the second year.

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 2020-05-23
Company: Resurgent Capital Services L.P.
State: FL
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 tried to dispute accounts with XXXX  ( LVNV FUNDING LLC XXXX ) and I have not been successful in deleting accounts and XXXX  is no compliant with FCRA 605B. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove these specific wrong accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XXXX Received a call from Nelnet saying they needed my information before they could tell me what the call was regarding about my account XXXX After requesting clarification before providing any personal identification information, as this call was unsolicited and from a number that did not match the nelnet customer service number, the caller refused to even give any high level information. 
I ended the call XXXX After calling in the confirmed Nelnet customer service line I asked for confirmation of the earlier call and what it was regarding. They said it was to confirm my address XXXX After confirming the information, I asked about loan consolidation options. My goal was to identify what a weighted average interest rate would look like before committing to this option. I was told by the Nelnet representative that in order to find out what the interest rate would be I would need to commit to consolidating first and then find out how much it would be. When sharing that for any other loan type or refinance I could find out what the interest rate would be before committing but she confirmed that was not allowed by the Dept of Education and they wouldnt provide that

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This is a follow up of complaint XXXX which was not resolved. 

A credit card was fraudulently opened in my name on XXXX XXXX with XXXXXXXX XXXX for a XXXX XXXX account. This investigation concluded on XX/XX/XXXX with XXXX XXXX concluding it was a fraudulent account and notifying the credit bureaus ( see attached documentation ). 

TransUnion is refusing to remove the account from my record and is causing issues with my mortgage.

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 2020-08-04
Company: Experian Information Solutions 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 status incorrect

Complaint:
XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with Experian as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: WI
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 sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: MS
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 sent letter to all three Bureau more than a month ago and i have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Receivable Recovery Services, LLC
State: LA
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:
On XX/XX/2017 I sent in a notice to dispute via certified return receipt # XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX for Receivable Recovery signed for the letter. On day 31 I pulled my credit profile and they failed to mark my account disputed as well as send me any information regarding this alleged account that I owe. This is a FEDERAL and STATE LAW VIOLATION. This is also not the first set of letters I have sent to this company, as they continue to ignore me and my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During my bankruptcy in 2011 my debt was never reaffirmed by my lender on my home loan by my lender XXXX XXXX  who then transferred this loan to SPS Servicing with this action none of my payment history is been recorded on my home loan over the past eight years most lenders dont even recognize me because it doesnt show that I actually have a home loan Thus this has made it impossible for me to refinance or get a different type of loan with a lower interest rate other than the one thats being provided by my servicing company at present therefore im in able to access my equity this has been going on for years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: BANCO POPULAR DE PUERTO RICO
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Banco Popular promoted the XXXX credit card. Make one charge and receive XXXX points after one charge. On XX/XX/2019, I opened the card and promptly made one charge after activating it on XX/XX/XXXX. I did not receive the promised points. On XX/XX/XXXX I spoke to XXXX who advised me the points take 6-8 weeks to post. On XX/XX/XXXX I called again and XXXX advised me to contact the bank if the points do not post by XX/XX/XXXX. The points did not post. I do not have time to call the bank repeatedly for their continuous failure to post points.

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 2020-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Bank of America is reporting a delinquent credit card to my credit but can not provide any validation of debt. I was referred to another company, XXXX XXXX, and they have no record of the account at all. BoA will not provide an address for a letter of dispute. They can not tell me how the account was opened, receipts with signatures, or who made any payments. I am not familiar with this account but they will not remove from my credit after multiple disputes, nor will they provide proof it is mine.

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 2020-08-04
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank account proving that I failed to pay and was considered past due because these are obviously billing errors. Below is a list of the disputed account. 
XXXX XXXX Balance Owed : {$890000.00}

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 2016-02-16
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The situation is as follows : In XXXX 2015 I started a summer internship in XXXX. I looked for a gym in the vicinity of my organization and since XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, # XXXX, XXXX, XXXX XXXX ; Phone : ( XXXX ) XXXX ) ( Club ) were in the same building, I want to see if they have any good deals. They informed me that they have a special offer, which entails to try this gym for free for a month. Then if I chose to I can renew the membership, or terminate it any time. 
I knew that my internship is temporary, and I wo n't be in this location more than a month ( and I live in XXXX ), so I specifically asked several times if I would be able to terminate this any time, and the person, Per XXXX, who was signing me up clearly said that this is a month to month deal and I can get out any time. I was asked to do an electronic signature. I asked if there is a contract and they guy from the gym said that there is no contract. Per XXXX said that the signature is just so that I can get my pass to try the gym. He asked me to enter credit card info as a standard practice ( also as a requirement to do this free month ). I never signed any contracts and was never shown one. All I did in XXXX 2015 was my electronic signature on a machine to state that I agreed to one month free membership to try this facility. You can check their documentation - you will not see my signature in ink, because I never intended to be in this location for more they a month or XXXX. 
After a week my internship moved to another location in XXXX and later to XXXX, so I never tried this gym. I did not attend it even once. XX/XX/2015 I contacted the gym, explaining that since the trial period was over and I was not interested in continuing and if there was any paperwork I needed to do to properly exit the Club. It is only then I found out that they signed me up for a year membership. I attempted to explain the situation to them, saying that I only signed up for the trial because they told me that there are no obligations and my member ship can be terminated any time, but they told me about the contract that I never signed, which they consider to be signed by me because apparently my electronic signature was transferred there. 
In short, the only reason why I ended up in this situation is because the representative, Per XXXX, who welcomed me to the gym told me false information and used my signature on a document I never signed. 
Now they put me or collection through the collection company XXXX XXXX , XXXX. 
Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX On behalf of XXXX. , United Consumers , Inc. requested I to pay them {$1200.00} as annual membership fee even though I never used this XXXX. 

Thanks, 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 2020-08-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a loan with TD AUTO FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX and TD AUTO FINANCE with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Middlegate Funding LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have XXXX people working for them but in all honesty it 's just them XXXX. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The thief is using my credentials to apply for banking and credit cards in my name. Everyday and email shows up with a new application in different states. I have been calling the banks and let them know is fraudulent. Which they are having time to believe me! Its been overwhelming for me Im in XXXX about it! What can I do to make this stop! Its been continuously going every day! 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 explanation
Consumer complaint received 2022-07-26
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
SOMEONE STOLE, MY PUA OHIO UNEMPLOYMENT BENFITS WITHOUT MY PERMSISSION AND IT HAVE CAUSED ME TO NOT HAVE MY MONEY, THERE WAS AN ACCOUNT TAKEOVER, AND ALSO IT CAUSED ME TO BE IN DEBT TO US BANK. I DID NOT ALLOW THIS PERSON TO DO THIS TRANSACTION AND USE MY ACCOUNT, IT WAS DONE WITHOUT MY KNOWLEDGE AND I DON'T KNOW WHO DID IT.

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 2015-04-01
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
on my auto loan Wellsfargo Dealer services never informed me that it was An Autoloan /Simple Interest Loan that I pay {$300.00} per month and all I am Paying is on the Interest only My interest is 14.75 % apr and I have paid over {$2000.00} in interest I find this to be a problem and then they are saying that I am 60 to 90 days late which that is not true but can Explain better talking to someone I will never Recommend Wellsfargo Dealer Service to noone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Denovus Corporation, Ltd.
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have contacted Applied bank several times about this account and I have also called them. They told me this account was sold to a Denovus corporation. Well I asked them if they are able to contact this company and ask them to call me. So finally the company called and I gave them the information about the credit card and I informed them that I had been a victim of identity theft and fraud and that this was not my account. But instead they insisted that it was so instead of arguing trying to get the information take off my credit I told them if we came to a settlement agreement I would pay the account off in full and I would then want this account deleted from my credit. Well XXXX told me that I could pay her {$410.00} plus another XXXX to pay for delete. I told her if I pay the XXXX you should delete it off anyway without me having to pay. Then she said and it will take us 45 days to delete it. I told her no I am not paying you to delete it off my account and I am not waiting 45 days. She said well that is the only way you will get it done or are you refusing to pay. I told her well to be honest I do n't have to pay it because I was a victim of Identity theft and fraud and its really not my account. so it should already be deleted without me having to pay anything. A letter was sent to you from my attorney and you ignored it and I sent in affidavit to you also and you ignored it so I am calling to either ask you to delete it or make a settlement arrangement and you telling me that you ca n't do it. she said no we cant. I said ok then I am refusing to pay until you can tell me you will go ahead and delete it I am not paying it.

Company response to consumer: Closed with explanation