BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank XXXX XXXX has held a {$270.00} Credit Balance of mine for over 3 years. During that time they have made no attempt to contact me either by phone, email, US Mail or any other means. I received no Account Statements during that period. This has the appearance of a profit making Scam, since the letter I finally received offering a settlement was A FORM LETTER this suggests to me that I am not the only customer of theirs that has suffered this same fate. 

They are now offering me a refund 10-14 weeks after their proposed XX/XX/XXXX settlement date. 

Chronology : On XX/XX/XXXX I received a letter from Synchrony Bank stating that I had a credit balance of {$270.00} since XX/XX/XXXX. Offering me a refund of my money if I signed and returned a copy of the letter either by email or US mail. I signed and returned copies by both email and US Mail. I have had no acknowledgement of receipt and have no way of knowing whether my submission was received. 

They gave no phone number or any means to conact them other than an email address that responds via robot and gives me no result. 

THIS IS A SERIOUS VIOLATION AGAINST NOT ONLY ME BUT I'M SURE AGAINST SEVERAL HUNDRED IF NOT THOUSANDS OF 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 explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 sent in paper work on XX/XX/2022 in regards to a fraud inquiry thats named XXXX XXXX but it is still reporting. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act 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 XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 602 A. Also states a consumer reporting agency can not furnish a account without my written instructions.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
In XXXX my social security number was used to open a fraudulent account. I immediately notified the company and was able to successfully close the account. I then contacted Equifax to dispute the new account and notify them it was a fraudulent account. The Equifax representative on the phone refused to process the dispute unless I signed up for the Equifax ID Patrol. 

I ended up signing up for their product and was able to temporarily freeze my credit, however I have repeated disputed the fraudulent account over the past 2 years and Equifax refuses to remove the fraudulent account from my credit report. This fraudulent account damaged my credit score for months. 

Furthermore, after spending hundreds of dollars on Equifax credit monitoring services, Equifax failed to notify me that my information had been leaked in the most recent Equifax hack ( announced by the company on XXXX/XXXX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: EQUIFAX, INC.
State: DE
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:
Hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the federal Trade Commission 's identity theft affidavit. Please delete these items as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Since XXXX my family has been dealing with Capital One in regards to a payment that was made to a car dealership that OWNS a car. They have the title and they are listed as the OWNER of the car in questions. Capital One states that they can not take a verbal confirmation for the XXXX XXXX XXXX XXXX New Jersey stating that they dealer is the owner. Instead they state that they need something in writing. Rather than ASK the dealer for a copy of the TITLE, they are asking me, which by STATE law I can not get. 

This has been going on for months and capital one refused to ask the dealer who they have paid for the title. A simple phone call. 

As a result the dealer has ownership of the car and my money. As this while I am stuck without a car to take my XXXX month old baby to doctor appointments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXX ( originator XXXX ) Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX. XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator XXXX XXXX ) Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

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 2019-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Booked 5 hotel rooms at a XXXX XXXX in XXXX NJ using my debit card to reserve the room. When we arrived to check in, we told them to not charge my card and use a different persons card for the rooms. When all was said and done, the company charged the other persons card for all 5 rooms, but then also charged one room to my card. I submitted a claim with my bank and apparently the bank statement from the other person showing that they were charged for 5 rooms wasn't enough documentation for them to refund my money and my bank is denying my claim. I have documentation to provide proof of all of this.

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 2019-10-21
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XX/XX/XXXX Specialized Loan Servicing Correspondence Department XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  Loan Account # XXXX As instructed, I am writing for a complete financial review of the referenced account for property XXXX XXXX XXXX XXXX New York XXXX owned by XXXX and XXXX XXXX and serviced by Specialized Loan Servicing. 

This is the latest in a series of calls, faxes, and letters concerning this matter. As recently as yesterday, I received a call early in the morning from SLS stating that the account is delinquent. This despite proof that payments have been made on time and complete since the origination of this loan in XX/XX/XXXX. 

I have repeatedly requested someone with a name and title to speak to from SLS.  This has been denied in favor of a series of calls from customer service stating delinquency and asking what my intent is for the property? 

Despite having copies of the front and backs of checks cashed by SLS and the TD checking account bank statements ( total of 10 checks for the months of XX/XX/XXXX XX/XX/XXXX ), I have been repeatedly asked for check numbers and amounts! 

Update XX/XX/XXXX - 11th check dated XX/XX/XXXX received and cashed by SLS. 

Finally, the few account statements that I have received are contradictory and inconsistent. I have been having this discussion with SLS all year. 

I am tired of getting the runaround have been seeking a alternative, reputable financial institution to take over this mortgage. Until then, this matter must be resolved. 

Ask that the abuse stops and that someone responsible at SLS contact me at XXXX or XXXX. after they have reviewed the original loan documents, payments received, and all correspondence. 



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 2017-09-13
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint:
Navient ( at the time known as XXXX ) gave me a ridiculous interest rates ( some > 9 % ) on my private student loans and required me to have co-signers. It is my belief that it was discrimination at work because of my XXXX name. Friends of mine also with no credit history ( like me ) but not with XXXX names were able to obtain loans with reasonable interest rates and without co-signers. I asked XXXX at the time why this was and they could not explain and said that 's what the market rate was without further explanation. I have suffered great financial pain in repaying these loans as a result of the ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: JNR Adjustment Company, Inc
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I just received a collection notice from a collection agency from XXXX XXXX XXXX they are trying to send me to collection for returning a car after they closed, they were closed Sunday and they lady didn't look in their return key slot and in the parking lot because they are next to a XXXX XXXX, they don't have designated mark stalls. 

I have my communication with the agency as well as pictures and my XXXX receipt home and they have camera so they know when I pulled up?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Clearview Resolution Services
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not know what they are referring to because they will not tell me what it is referring to. I am in a Chapter XXXX. But they have called me repeatedly before XXXX XXXX and after XXXX XXXX Then they called my son! He texted me about this and I told him to go on scam alert and see all of the complaints. But now he may get repeated calls from them to get me to contact them. Which I did and nobody would tell me what this concerns me about and why the harassing phone calls. I am afraid they will start calling my work! Which I saw some of the complaints that they did on some of these victims. I am on the Do Not Call List and they are not recognizing that. I have not received a letter or anything on what this is about! They have threatening me on the voicemail that a petition is going to court and I must call them in 72 hours to appeal it. Appeal to what? This phone call happen on XXXX XXXX, XXXX at XXXX XXXX and left a message. Then when I called them today XXXX XXXX I was a little bit upset that they called my son and was told that I must be fully calm or they will end this call. I was firm about what is this call about and they would not answer my question. So I told them I would be filing a complaint. Beware of Clearview Resolution with a phone number XXXX and they use other numbers to call you. They are based out of New York.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifaxed leaked my data due to their negligence, and I have to pay {$30.00} to freeze my credit to protect myself from their mistakes. I will have to pay again to unfreeze. Equifax needs to be liable for all individual 's whose data was leaked.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
With the most recent press release from The Department of Education  ( see attached ) which states that NO FEDERAL LOANS have had to pay during the XXXX freeze, I request a refund of all the payments on my XXXX  loan that has been paid throughout the pause. I understand that XXXX loans were discontinued and some loans were serviced by the Department of Education while some are held by private servicers, however, these are still FEDERALLY BACKED loans, and considered Federal loans. Borrowers did not have a choice as to whether their XXXX loans were moved to the Department of Education or XXXX then Nelnet, therefore should not be punished by having to pay during this time while others did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX, I had a customer make a transaction through my business venmo account for the amount of {$2200.00} and then another payment made on XX/XX/XXXX in the amount of {$2800.00} for items that i was shipping to him. Everything was okay, i shipped out the items to the customer and they were delivered to him on XX/XX/XXXX. On XX/XX/XXXX, I got an email stating that the customer is disputing the charges and he did not receive the items. So i provided venmo with all the necessary information needed to support this persons dispute, in reality he was trying to scam me. Long story short when he disputed these transactions it sent my account to be frozen because you cant accrue disputes through your business account or you can have your account frozen and they hold the money for XXXX for " liability reasons '' .They investigated my customers claim and denied the claim and deemed it in favor of me due to me being able to provide, the tracking info and it being delivered to his house, itemized receipts of the items and the cost. So needless to say, i have now shipped and this customer has received {$5000.00} in items that i have not gotten paid for and dont have the items any longer. I can not get anything other than the same copy and paste scripted answer from anyone i talk to. Why are the funds being held still for liability reasoning when these transactions are the only two transactions made. Venmo denied his claim and deemed my favor which the funds remain mine. My account initially was froze because of this customer disputing these charges but in reality he tried to receive my items and then once they delivered, he tried to dispute the charges and say he didnt receive it. So why is it that i am being told to wait when this customer caused the funds to be frozen but the dispute was denied so after the dispute investigation the funds for these transactions should be released to me. Im so sick of dealing with this platform. Its nothing but issues along with a bunch of others based on my research.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
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: Account information incorrect

Complaint:
In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.

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 2019-11-22
Company: Early Warning Services, LLC
State: NJ
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 been disputing four seperate accounts with Early Warning Systems since XX/XX/2019. The accounts are XXXX XXXX  XXXX, XXXX & XXXX and XXXX XXXX. I have gotten told to resend the disputes individually by each account and resend and oh we didn ; t get that one dispute. I call and call and call and I get I don't and I don't care to look back in the past to see why we haven't initiated a dispute, or your just not understanding what is coming out of my mouth, or that we do things differently here and you have abide by what are requirements are. I have disputed these accounts as fraud. Sending over to Early Warning Systems are Notarized FTC Affidavit and police report which is supposed to be immediately blocking of the reported information and removal from my consumer report. No thats not what is happening. I am being told to wait 30-45 days until an investigation is completed and it will be and only be removed with the bank tells them too.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
While asking XXXX XXXX XXXX XXXX XXXX to buy shares of XXXX ( XXXX XXXX XXXX ) they did not disclose the settlment date which happened earlier than the usual time. Because of that all investors got charged margin interest rate on XX/XX/2019 right when they placed the order. Furthermore they got charged money even on money they overpaid for and was not used to purchase the stock. 
Such fees should be disclosed beforehand.

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