BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: LA
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, The following Accounts has violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number Experian:XXXX  Account Number XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Number Experian:XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX : ******** Experian : ****** 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 2022-04-09
Company: EQUIFAX, INC.
State: PA
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 and XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish A account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Insight Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My complaint is with Insight Management Partners a debt collection Agency. I never received anything in writing from them via Mail or email prior to the initial calls. On XX/XX/17 after supposed repeated attempts to contact me they found and contacted my Mother-in-law who does not live near us, disclosed my debt with her and referenced a lawsuit. She frantically contacted my wife. I then called them and informed them that while they can contact family members to try and reach me, they are not allowed to disclose my debt. When I mentioned this to the agent at the beginning of my call he shrugged it off and said he was just trying to help me. This is a shady tactic and illegal. He repeatedly said the amount is lower than they normally pursue those tactics. I am embarrassed that someone other than my spouse is aware of the situation and very upset by their practices ; my rights have been violated. I have made arrangements with them at this time, but this is NOT how you do business. I do have the call recorded if needed. I will go to any lengths allowed by my consumer protections rights to make sure these guys are fined or punished for their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I had made a purchase XX/XX/XXXX from XXXX using my Barclays Credit Card, they offered me a 0.00 % promotion with deferred interest for 18 months. I saw XX/XX/XXXX they had charged me {$610.00} in interest on XX/XX/XXXX, {$30.00} on XX/XX/XXXX & {$29.00} on XX/XX/XXXX. I called Barclays and spoke to their customer service agent, he told me if I pay the outstanding balance he should be able to waive the interest fully and I did ask is it okay if I make the payment on XX/XX/XXXX, and he did say it was fine. So today Being XX/XX/XXXX, I called Barclays to schedule the payment and get my interest waived, they started playing games, told me its too late, and transferred me over to their security department to verify if it was really me because my name is XXXX & its a common name for a guy from XXXX. I even told them if I was someone else I would not be concerned about interest Barclays have charged me, I would not call to make a payment and get it waived. So now I am stuck, I had a balance of about {$900.00}, for which they charged me interest of almost {$700.00}. Please help me get it waived.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-17
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of this debt. My account with two credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 2016-02-01
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX of 2015 my savings account at Citibank was hacked into. XXXX unauthorized withdrawals of {$500.00} and {$300.00} were made by unknown individual. The problem was reported to Citibank via the phone the next day. The bank declined liability for this and have not reimbursed me for this loss. According to the research I have done, they are responsible to reimburse me for my loss, but they are denying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a phone message from Synchrony Bank concerning a debt on a Sam 's Credit Card. I called Sam 's member services and was transferred to a representative from Synchrony Bank. I explained to this person that I have never had a Sam 's Credit Card and that the debt was not mine. I answered a few Security questions and she asked if I had a relative with the same name. I indicated I had a XXXX year old son with the same name. She told me to tell him to call them. This was on or about XXXX XXXX, 2015. Thus far the phone calls have been incessant. I have received XXXX phone calls from this Company starting XXXX XXXX thru today XXXX XXXX. I have the exact times and dates of these calls if necessary. I want these calls to stop immediately and Synchrony Bank and/or Sam 's Club punished for this violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company is reporting delinquency of payment on my credit bureau reports. The account was paid as agreed and never 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
Consumer complaint received 2020-03-25
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: Information belongs to someone else

Complaint:
I sent a copy of the police report to Experian with actual police reports with accounts listed and they refuse to remove the fraudulent accounts from my credit file.

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 2016-04-13
Company: Rosebud Economic Development Corporation
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoken to the collection managers at myquickwallet.com. I told them I am not refusing to pay and I had made some payments but right now I can not. The manager XXXX said that she would make sure that my life was impacted negatively. She continues to call my job during the day and mow my job is making it a big issue and I 'm being reprimanded for it so to speak. The company is not even calling my phone anymore they just continue to call my job, and told the receptionist that I am telling them to contact me there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I contacted Quicken Loans about obtaining a mortgage loan for a house I had just gotten under contract with ; XXXX XXXX XXXX, XXXX XXXX, NC XXXX. On the advice of my real estate agent, XXXX XXXX, I specifically asked how quickly an appraisal could be ordered and when we would have the report by to ensure we would have it prior to our due diligence period ending on XX/XX/XXXX. I was assured by XXXX XXXX that the appraisal would take place on XX/XX/XXXX and the report would be returned to me no later than XX/XX/XXXX. Over several phone calls to XXXX, and XXXX XXXX before and after XX/XX/XXXX, we were assured that the appraisal had been conducted and that Quicken Loans was urgently working to obtain the report and give it to us. After the due diligence period ended on XX/XX/XXXX my real estate agent and I continued to follow up with our points of contact at Quicken Loans and on XX/XX/XXXX were informed that the appraisal never happened and there was no report to send to us. The original closing date for this sale was XX/XX/XXXX. Quicken Loans was aware of this starting on XX/XX/XXXX. During this time they provided many assurances via phone and email to myself and my real estate agent that they were " urgently working '' to resolve this issue and addressing this with management at Quicken Loans and the Appraisal Management Company. To date I have seen no evidence to prove anything has actually been done to honor the original closing date, or expedite a new closing date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: CA
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:
The credit have fail to do their job yet again. I had a debt with XXXX XXXX XXXX account # XXXX. I settled with them for {$390.00} on XX/XX/2020. This was supposed to be deleted and still remains on my reports. Why after several months this is still on there I have no clue. Attached you will find the confirmation letter from XXXX with the proof it was paid. Why is this taking so long to be remove from my reports? I did my part now it time for them to do their.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, 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:
I applied for an XXXX XXXX credit card today XX/XX/2020 and I was not approved. I called to ask for the reason why I didn't get approved and they told me that it was because there were three accounts that were maxed out on my credit report and some inquiries ; I had no idea what they were talking about since I barely use my credit cards but after looking through my credit report I saw those accounts and none of them belong to me. I did not open those accounts and I have never allowed anyone to open those accounts in my name. I do not have any written/verbal contract with those companies and I have never gained anything from those accounts such as money, goods, services or any other benefit nor have I ever made any payments towards any of those accounts. I filed a police report as soon as I found out about these accounts as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Sebonic Financial XXXX NC, person in charge of the process is XXXX XXXX, but further issues arose when the file was transferred to person listed on the mortage documents, XXXX XXXX. 

This involves misleading and failing to make sure that my XXXX XXXX XXXX mother was aware of the reaons they repeadly raised issues with the process even after they got to a closing date last week. She showed up to sign the papers and they introduced a provision that she had asked about concerning the persons required to be present to close the loan. 

On her behalf as her son I have taken this matter up because it has become a situation that one could characterize as taking advantage of a person who is simply overwrought with the misteps and the company 's failure to answer so many of the questions she has posed. 

The last of which being who needs to sign the closing documents. 
In anticipation of such an outcome, all correspondance is in writng via emals but to go one further would take hours. 

I have been told that I would hear via phone from the supervisor but as of this time no one has called. 
with that in mind I determined who runs the company and left messages with the CEO XXXX XXXX XXXX, the COO XXXX XXXX XXXX and the head of productions XXXX XXXX XXXX at this time the damages she is incurring accrue daily and I hope that this action with you will cause them to address the matter with the proper diligence. 
This is an XXXX XXXX in XXXX and she owes no one any money and is as much of a great citizen and since her retirment and an extrordinary public servant in her role as XXXX XXXX and through the establishment of a first of its kind performing arts center in the community in which she has resided for more than 30 years. 

People like her deserve your help and the advocacy that only the AG 's office can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: NCB Management Services Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 a woman possibly named XXXX called my XXXX year old father in law, from a restricted phone number and demanded to speak with me. My father in law told her that I was at work and not at the phone number she called. Which is his personal cell phone that I have never used or been associated with. She left a call back number with him of XXXX ext XXXX. This call back number is associated with NCB Management Services. I have never received a letter or phone call from this company, however they are harassing my family and friends for a supposed debt that I have no knowledge of. I have been contacted by other family and friends who have told me that they are threatening to send me to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
IN 2009 A BREACH IN XXXX SECURITYRESULTED IN THE LOSS OF MY IDENTITY AND COMPROMISED MY PERSONAL INFORMATION. IT HS COME TO LIGHT THAT SOME ONE HAS BEEN OPENING ACCOUNTS IN MY NAME, THIS IS XXXX OF THOSE ACCOUNTS OPENED. OVER THE PAST 12 MONTHS I HAVE WRITTEN TO TRANS UNION CREDIT REPORTING BUREAU ON NUMEROUS OCCASIONS REQUESTING THAT THIS ACCOUNT BE DISPUTED WITH A REQUEST FOR FULL VERIFICATION BUT HAVE NOT HAD AA RESPONSE. I COMPLAINED TO THE FTC BUT AGAIN, I HAVE HAD NO RESPONSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XX/XX/2021 : Can not access Equifax account to lift security freeze. Website wont accept account credentials and wont reset password. 

Phone service disconnects after entering all information and selecting " continue ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
I responded to an introductory offer the end of XXXX by a company called XXXX XXXX for a XXXX and with it came a XXXX sample. It was FREE and the shipping costs were XXXX and of course I had to give them my credit card to mail the offer. I received both samples but also was billed 4 times in one month in the amount of {$89.00}, {$87.00}, {$89.00} and a XXXX th charge of {$87.00}. I called the company and told them I never authorized the usage of my credit card for additional shipments and there was nothing transparent in the introductory offer that advised more shipments would be forthcoming. So, I received my introductory package and called and cancelled the order when I received package number two which I did not ask for nor did I keep. I returned it to the sender and received two cancellation numbers XXXX and C XXXX. 
What is surprising about this is that today when I checked on the balance on my Frontier XXXX XXXX card they reversed the three of four credits and are charging me for products I did not request, charges that I did n't authorize and merchandise that I did not receive. I have had an XXXX XXXX XXXX and Platinum card since 1984 and have never once had an issue with fraudulent charges and have come to expect credit card companies to protect their customers from unwarranted charges. Apparently, it is in Frontier XXXX XXXX 's best interest to side with the vendor and they obviously did not do their due diligence even though they have had three months to figure this out. I will cancel my card but wanted this published so other card members will not be surprised that this company does NOT have your back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I cosigned for my daughters Student XXXX loan when she was attending XXXX XXXX in XXXX, NY back in XXXX. Back then it was positioned as " The Student XXXX Loan is a flexible, private education loan sponsored by XXXX XXXX that compliments the XXXX XXXX XXXX XXXX '' Very misleading. 

They are far from flexible. The loan amount was {$24000.00} at the time. Her current balance is {$23000.00} after 12 years of paying approximately {$240.00} per month. She can not take me off the loan as a cosigner, she can not make extra payments. She wants out but has to pay the full amount of {$58000.00} minus what was paid to do so. She has had problems in the past making payments and we both get numerous calls and threats. As well, my credit rating went down when she missed payments, and they used that to threaten me when she was behind in a payment, so I could make the payment on her behalf. She was also charged late fees. 

Is there a class action suit that she is covered by? I am looking for guidance, without having to go to a lawyer on her behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
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 booked a flight with XXXX XXXXXXXX on XX/XX/22. On XX/XX/22 XXXX XXXXXXXX contacted me to say that the flight had been rescheduled and offered to allow me to change the flight date. I changed the flight date XX/XX/22 but was charged XXXX, against their stated policy. I contested the charge with Capital one. I received a letter saying it was denied. I called capital one and they emailed me a form to upload documents. On XX/XX/22 I sent them the email from XXXX XXXX stating I would not be charged on. The email said I " may '' use a chat feature to reschedule the flight. Capital one said the merchant denied the claim because when they said " may '' they thought " may '' meant " must ''. Believing that words matter, I had changed the flight via a different option. Capital One further stated that my claim could have been denied because I had not contacted the merchant, however, I had contacted the merchant and sat on hold for over XXXX minutes before giving up. Capital one said they mailed a letter asking for more information on XX/XX/XXXX, but it was never received by me. Capital one should have known that words matter and that " may '' means " may '' and they should have charged the amount back to XXXX XXXX and refunded the full amount. They did offer a credit of {$100.00} which is not sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
A dispute was submitted to TJXMAX regarding a bill for {$300.00} charged on XX/XX/2022. They said they were going to investigate, but I kept getting a bill of {$300.00}. On XX/XX/2022, I contacted TJMAX via phone, and they informed me that they declined my dispute because, according to them, they are saying that only I could have made the purchase since they sent me the temporary pin. I did not make that purchase, and I do not know to whom they sent this pin. They said that I could not dispute the claim further. They refuse to provide a reference number for the case when requested. Please help, I did not make this charge, and TJXMAX refuses to resolve this fraudulent activity.

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