BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: SYNCHRONY FINANCIAL
State: OK
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 made a purchase on XX/XX/22 for clothing for a total of XXXX and used PayPal to make the purchase. I was suppose to have received the package on XX/XX/22 through the XXXX who confirmed delivery on that date. I have never received the package and did file a police report for larceny, as I was out of town that day and my only conclusion is the package was taken. I have disputed the charge three different times on XX/XX/22, XX/XX/22, and XX/XX/22 with Synchrony Credit as I have not received the package, therefore I do not understand why I am being charged. I did reach out to the XXXX and there were many interesting facts associated with the delivery of the package that also raised a concern. For instance the package weight was XXXX ounces which is not possible for XXXX worth of clothing and the size of the package fit in XXXX personnel 's hand, which also seemed interesting and impossible. The merchandise I ordered was from XXXX XXXX and the return address on the package, in a photo that XXXX provided, was from a company XXXX XXXX XXXX XXXX in XXXX, NJ, whom I have never heard of and when I went to their website there is nothing I purchased available on their website. I have tried to explain all of this to Synchrony Credit and they continue to charge me for the XXXX worth of merchandise that I have never received. Furthermore, when I did contact the XXXX, they mentioned they recommend a signature upon delivery for any package over {$500.00}, which is a good idea to avoid this kind of incidence. I appreciate your help in this matter. I am requesting Synchrony Credit take the XXXX charge off my account for merchandise that was not received. Please note I have reached out to PayPal Synchrony Credit via phone multiple times to resolve this matter as well as XXXX XXXX and XXXX by email with no resolution.

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 2022-12-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
BANK OF AMERCIA CREDIT CARD FRAUD ON XXXX REFUSES TO CREDIT MY CLAIM FOR {$22.00}, ON XXXX, AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. FRAUD REPRESENTAIVE SAID " THATS IT. OTHER FRAUD WAS REPORTED FOR RESTRAUANT SERVERS AND CREDITED MY ACCONUT. XXXX OF THESE SERVERS USE MY CREDIT CARD INFORMATION. 

XXXX. CREDIT CARD FRAUD REPRESENITIVE STATED THE FIRST TIME THAT THEY DIDN'T FLAG IT OR DID THEY THE SECOND TIME FOR FRAUD.

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 2022-12-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
well first I have been doing ok until this year my property taxes have went through threw the roof! and then i find out I am paying a {$30.00} dollar insurance pol on my escrow which i wasn't suppose to have it was just added! and my rate adjusted but now this has push my payment from XXXX to almost XXXX! a month!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On the XXXX day of XXXX, XXXX I signed a contract with XXXX XXXX to purchase XXXX XXXX XXXX XXXX # XXXX, at the price of {$31000.00}. I wish to cancel that contract because fraud was committed once I was informed that a down payment of {$1000.00} was needed for me to drive off the lot. Also, the dealership did not disclose that I had the right to rescind the credit consumer transaction. 
I hereby exercise my right to rescind the agreement under the provisions of the 15 U.S. Code 1635 ( b ) : and 15 U.S.C 1605 ( a ) upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, as I was informed that a down payment of {$1000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to 15 U.S.C 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, and ask that you return my deposit/down payment of {$1000.00} within 14 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage loan servicing was transferred to a new servicer in XXXX this year. I have made XXXX payments to the new servicer that they have lost and they have been unresponsive in correcting the problem. They have never contacted me or indicated that anyone is working on the problem. I have been in contact with them at least XXXX times trying to correct the problem. The original problem seems to be that I imputed the wrong account number when initially setting up the payment with my billpayer and this was identified on their first contact. The payments are made by electronic funds transfer and I have verified that the payments were sent to the servicer. I have also sent documentation to the servicer that the payments were sent from my financial institution. According to law they can not report a missed payment for 60 days but we are close to that deadline and they have not done anything to correct the problem.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-25
Company: Certegy Holdings, LLC
State: CO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Certegy said I bounced a check and owed money. I haven't bounced a check in over 30 years and my bank has an anti-bounce feature on my account in case I ever did make financial mistake. I called Certegy and disputed their claim. They sent me Dispute paperwork that asked for all sorts of very private information : social security number, bank account and routing number, etc. I showed this all to the Customer Service at my bank and they told me to ask for a copy of the check that Certegy said I bounced. I called Certegy and told them this and they said they would send the check. It never came but Certegy went on to send another letter demanding payment. I have attached complete documentation of all of this as it will make the matter perfectly clear. I see the Federal Trade Commission has numerous complaints against Certegy- I tried making my complaint there but it seemed their system wanted me to complain here. Please help. Thanks and best wishes, 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 2022-12-25
Company: GOLDMAN SACHS BANK USA
State: CA
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:
Hi the problem Im having is when I apply for credit I get denied stating I have severe delinquent accounts. On my actual credit report it shows no delinquent accounts. This is causing me to be denied the opportunity for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I purchased a XXXX XXXX XXXX from XXXX XXXX XX/XX/XXXX. Toyota sales personnel refused to negotiate a lower MSRP of {$30000.00}. I had been looking for a new car as I had totaled my XXXX XXXX in an accident on or around XX/XX/XXXX. During the course of looking, I noticed the MSRP on the XXXX XXXX listed with a price tag of about XXXX. The XXXX XXXX value also list a sales price of {$26000.00} see attached I also noticed the older cars had sales prices of {$34.00}, XXXX or above, years XXXX and up. As I was homeless at the time and without a permanent home, my car was of vital importance to me. I informed the salesperson of this, and he stated I should never tell anyone I needed a car. In trying to get a fair price, I inquired as to any discounts available. I informed the Finance person, I had a military ID. TOYOTA PROVIDES A {$500.00} MILITARY DISCOUNT as noted on their official website. XX/XX/XXXX Rule for military ex spouses. They refused to allow the military discount available but did give a {$500.00} rebate. They have also added fees entitled accessories of {$1600.00} in which I did not request or add any additional accessories or add-ons. The tinted windows came already with the car from the manufacturer.. The carpet in the car has dislodged from the molding holding it in place. The car does not appear to be new and has never had a new car smell, and in fact when I turn on the heat now, or not running the air it smells like a mans cologne blowing through the vents. I assumed I was buying GAP insurance, but instead it seems I have purchased an extended service agreement. I requested to pay for the insurance/service with cash but the finance officer said I had to have it included in the loan for the coverage to be in place. I also researched and discovered the invoice price was {$21000.00}. The whole experience was one of deception and cheating. The loan amount is {$10000.00} over what it should have been. The complaint is filed pursuant in violation of ECOA guidelines and FDCPA. 
The loan amount and balance due is is {$36000.00}. The sales price of the vehicle ends up {$32000.00} The amount financed is {$34000.00}. I am XXXX, XXXX American age XXXX, female,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 previously was a victim of identity theft

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 2022-12-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Since XX/XX/XXXX, I tried to access my security freeze with check systems. Their online system refuses to accept the pin that they sent me by US mail letter dated XX/XX/XXXX. They're requiring an undue delay by not giving me a replacement PIN immediately and forcing me to wait on the US mail. I can not open an account with a new creditor because of this delay. And I may have to spend even more money and reapply to this creditor all over again because of this undue delay.

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 2023-01-25
Company: Bread Financial Holdings, Inc.
State: NJ
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:
Applied for BJs card back in the end of XXXX of XXXX. The rate was supposed to be XXXX or XXXX based on creditworthiness. 
My credit is over 750 so I assumed I was getting the XXXX. 
In XXXX I noticed the difference on my statement and checked the ppwk that I got when applied showing that the interest wasn't even close. Tried contacting them by phone. They stated that that was old rates I told her that they were just updates in XXXX according to the documentation. She told me to email the documents on their website. So I attempted many times it kept kicking me out. I called again about a month later and she replied the site might have been down. XX/XX/XXXX sent email with proff of documents. XX/XX/XXXX they replied that basically to just call customer service, which I did. Spent 1.25 hrs on the phone getting passed back and fourth. Next, I got a letter from XXXX XXXX XXXX  that they are taking over my account. Hope I gave you enough information. Thanks for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-10-24
Company: IQOR US INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I was forced to pay the next month 's rent on a storage unit I was moved out of. I PAID THIS. Then, due to the incorrect charge, was then REFUNDED by this company. I have the company emails not only showing my paid transaction, but their REFUND of this transaction on XX/XX/XXXX. Now I am in collections for this SAME AMOUNT that was " due '' on XX/XX/XXXX. This has now affected my credit, even though I do not owe them. I have attempted to call the debt collection agency and XXXX XXXX with no success.

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 2022-10-24
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a letter from Credit management a debt collector trying to collect a debt that I don't recognize so I am disputing this debt as it is not my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-12-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Due to the promotion of the new account sign-up bonus, as they advertised, I opened a new premier account with BMO Harris on XX/XX/2022. 
I clicked the link on their website : https : //newaccount.bmoharris.com/online/servlet/SmartForm.html? formCode=dao & PRODTYPE=Checking & PRODUCTID=336 & COID=BMOP-06772Q-89QT8P3 And I followed the steps by filling out all the fields in the application. 
And one of the fields was an auto-filled promotion code. The promotion code was : XXXX. That was auto-filled in my application. 
The requirements are to have over {$7500.00} direct deposit within 90 days after the account was opened, then they will give me a {$350.00} cash bonus. 
I changed my direct deposit setting with my company. I deposited {$9600.00} from my payroll from XX/XX/2022 to XX/XX/2022. 
After I notice that I not only didn't receive my bonus on time but also I was charged a {$25.00} service fee! This fee was a hidden fee by the way. 
So I called BMO Harris. The representatives told me that I did not have a promotion code on my application, which is impossible as the code was auto-filled. If there was no promotion I had no reason to open this account. They must manipulate my account and delete the code from my application to avoid the payment they promised. 
I called at least 5 times, and every time I was put on hold for at least 30 mins and did not get any solution. I also tried to chat with one of the bankers, no solution either.

I was told twice that one of the managers will call me back during the day. I've never received any phone calls from the bank.

I feel this bank is a scam. I am very disappointed with their service. I request a solution to my unsatisfied experience.

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 2022-12-26
Company: Experian Information Solutions Inc.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 2022-12-26
Company: Experian Information Solutions Inc.
State: MO
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 a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-26
Company: Experian Information Solutions 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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Company response to consumer: Closed with explanation