BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX 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 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 2016-11-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I am writing as a loyal Amazon Prime customer to voice my concern about the use of Synchrony Bank for Amazon Prime Store Card. I know I am one of many, many, many millions of Amazon Prime customers but I feel it is important to express my disappointment in Synchrony Bank and if it is a common compliant from Amazon Prime loyalists, maybe a change could take place in the future. 

I have struggled over the last years to get my financial life back on track and am now heading in the right direction. I recently paid off my Amazon Prime Store Card balance. Prior to totally paying it off I never missed an monthly automatic payment. After paying off the card, I wanted to take advantage of my Smile Amazon to buy some holiday gifts, give to my charity designation and use the Amazon Prime Store Card for the cash back option based on the amount you spend. It was at that point that I learned Synchrony Bank had dropped my credit limit from {$800.00} to {$100.00} ( TO DATE, I still have not received a letter about this and as of my XXXX statement I still had an {$800.00} limit ). 

I called to voice my confusion to Synchrony Bank and after finally getting through to an American based manager ( it took a bit as the XXXX based telephone consultant kept saying " I am so sorry for your concern '' but would not connect me to anyone ). The manager informed me that Synchrony Bank runs regular credit checks ( every six months ) and she went on to list my credit rating and why my poor credit history caused my credit limit to be dropped ( very condescending in tone ). I asked if I had ever missed a payment with Synchrony Bank Amazon Prime Store Card and now that my balance was {$XXXX}, why would the Bank do that? She informed me it had nothing to do with my good payment history with the Bank or my XXXX. I went on and checked my credit score tracker and because of Synchrony Bank dropping my credit limit, I went down XXXX points on my credit score due to a " decrease in available credit '' from Synchrony Bank. So as hard as I had been working to increase my score over the last six months, it was ruined in one moment and I have less available credit for my Amazon purchases for the holidays. 

Sorry for this long email but I had to express my frustration and wondering if this has happened to other Amazon Prime Store Card holders. I certainly understand if the Bank does n't extend more credit but dropping the credit limit seems unjustified.

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 2021-01-21
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I began to refinance my home with Amerisave.com, an online mortgage company. This lender provided an appraisal of my property within 1 week, after which the customer service dropped off dramatically. I have provided them with every document they have requested within 48 hours of their request. It is now XX/XX/XXXX. Although I have asked multiple times for an estimated closing date, the lender has refused to provide one. They have refused to lock my rate, which has changed considerably since I began my application 4 months ago. They have refused to re-appraise the value of my property which has changed considerably due to the erratic nature of the real estate market nationwide. I can not get them to return my calls. There does not appear to be an end to this process.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other

Complaint:
hsbc card I do not have ... seems to be identity theft ... even maybe from a hospital ... they are continuing to drag down my credit score and add fraudulent activity ... please contact me at XXXX ... this is XXXX XXXX XXXX ... I want them caught and off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-28
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
ABC financial made an unauthorized charge for XXXX $ to my visa card. ABC financial had contacted me over a month ago about an outstanding balance on my gym membership. The gym had informed me a year ago and we verified my credit card info so everything should have been set for ABC financial to charge me my monthly membership of XXXX {$.00} When I talked to them a month ago I had specifically said that the gym waived my late fees so the outstanding balance was around {$140.00}. I also had said and verified that they had my correct credit card info which they did. The representative was going to look more into the problem and call me back in two days with an answer as to why my credit card had not been getting charged But i told her specificallY THAT I DID NOT AUTHORIZED THEM TO CHARGE ME THE FULL XXXX $ BECAUSE I COULD NOT AFFORD THAT RIGHT NOW AND ITS NOT MY FAULT THAT THEY HADNT BEEN CHARGING ME ALL ALONG. I just looked at my credit card statement and on XXXX XXXX they had charged my card for the whole XXXX {$.00} This charge was not authorized by me and no one ever called me back to resolve the problem or to tell me they were going to do this. I am extremely upset and can not afford the full {$270.00} right now. I was more than willing to work out a payment plan with them and that was not even acknowledged. This is not the first time i have experienced horrible service with ABC financial. I will now be cancelling my gym membership

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: SLM CORPORATION
State: PA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Sallie Mae made 4 robocalls to both my home phone ( XXXX and my cell numbers in one day. I had previously asked that they did not call my cell number but I was fine with home calls. In a discussion with them tonight I felt harassed by four calls in one day especially since the person who took out the loan had made arrangements earlier in the day for payment. She had also contacted them before about payment and is in the process of having my name removed as a co-signer. The person I was talking to raised her voice and told me it was within guidelines to call that many times. I feel her talking angrily and unprofessionally to me was demeaning and unnecessary. I asked to talk to a supervisor. XXXX XXXX, the supervisor, again told me this was not harassment. I feel four calls after arrangements were made is four too many not to mention 2 of them were to a number I asked them not to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
I took out a payday loan ace cash advance and they said I could make payments when the due date came I tried to make a payment and they said I had to pay in full or they will take the whole amount. I had to close my account due to this and since it happened over 2 years ago and since then I have filed and discharged bankruptcy they are still continuing to harass family members and threaten with legalities about 9 months ago my attorney did call and leave a message with them stating this information and they are still doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I HAD RECEIVED A VISA CREDIT CARD # XXXX FROM CAPITAL ONE AND ABOUT XX/XX/2016 THEY PLACED RESTRICTION ON MY ACCOUNT & NOT ALLOWED ME TO USE THE BENEFITS THE CARD GOT TO OFFER UNDER CASE # XXXX. I HAD SUBMITTED ALL DOCUMENTATIONS FOR PROOF OF MAILING & PHYSICAL ADDRESS AND THEY INSISTING ON THREE WAY CALLS WITH MY FINANCIAL INSTITUTION TO INQUIRED PRIVATE BANKING INFORMATION ABOUT THE ACCOUNT WHERE THE PAYMENT ARE MADE ELECTRONICALLY. THEY ARE VIOLATING ALL MY FEDERAL PROTECTION RIGHTS IN REGARDS BANKING. I NEED TO HAVE MY ACCOUNT RE-ACTIVATED IMMEDIATELY PLUS ALL REMEDIES ARE AVAILABLE FOR ALL THE E-MAIL & PHONE CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My credit account with capital one bank has been restrict because of fraud issue I spoke to many managers and nobody can resolve the problem. Had a three way conversation with my water bill so they can confirm that I 'm the right person. After verify ask me for more personal information. Sent and they told me that has been receive and have to wait 3 days after that when I call they keep saying that never receive anything. Bad service has capital one bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: New Century Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I was not mature enough to make that decision and was sent a credit card I never applied for. I was on XXXX and tried it ( the credit card ) to see if it worked because it came in the mail. It did I have since been in rehab trying to get my life together. 
I have much better judgement now and pray that I will be released from this debt.

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 2016-09-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended the XXXX XXXX XXXX XXXX XXXX XXXX, a for-profit school, from XX/XX/XXXX-XX/XX/XXXX and graduated with a XXXX degree in XXXX. Well during that time no information was available about for-profit schools, accreditation, etc, so I had no idea what I was getting myself into. My student loan payments have always been estimated over $ XXXX/month because I was n't working and the of course the 10 % variable interest rate kept my interest growing rapidly during the time I was in deferment ( my balance has now doubled ). I am now an adult with a steady job ( no career because my degree is n't worth anything ) and I am trying to get financed to purchase a home. My private loan payment is now $ XXXX/month which based on my income makes me ineligible for an fha loan, I even looked at applying for an interest only payment which reduces my payment to {$800.00} which does not help me because I still will not be able to afford a house or an apartment in a decent area. I called Navient today to see what is the lowest payment I could potentially get and they left me on hold for an hour and 20 minutes, basically a waste of my time because no one ever picked up. These private student loan companies are ridiculous and I 'm not sure how anyone is ever expected to pay their loans back when they can get a high paying job with a worthless degree that the Department of ED allows students to receive funding for whether it be title IV funds or a private lender. 

I attended the XXXX XXXX XXXX XXXX XXXX XXXX - XXXX which I believe is now XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
I have been disputing with the bureaus since XX/XX/2020, XXXX accounts that I believe to be inaccurate. I included my reasoning in the dispute letters as well as all of my identification documents that the bureaus require. I never received any notices or anything that these accounts were being investigated. Because this went on for over a month, I sent another letter to the bureaus on XX/XX/2020. I still haven't received anything through the mail, email, nothing! Not even acknowledgment that my disputes were received, let alone being investigated!

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 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have been disputing with the bureaus since XX/XX/2020, two accounts that I believe to be inaccurate. I included my reasoning in the dispute letters as well as all of my identification documents that the bureaus require. I never received any notices or anything that these accounts were being investigated. Because this went on for over a month, I sent another letter to the bureaus on XX/XX/2020. I still haven't received anything through the mail, email, nothing! Not even acknowledgment that my disputes were received, let alone being investigated!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Rushmore Loan Management Service is involved in unfair business practice. They continue to delay my loan modification application by saying they never received faxed documents that are needed to finish my application. We have enlisted the help of a third party organization called XXXX that specializes in helping homeowner such as myself save their homes from foreclosing. Again, Rushmore stated that they never received the required documentation from XXXX and even suggested that we stop using a third party organization. I have been trying to get a loan modification for the past year. Initially, the loan was with XXXX XXXX XXXX who also was using the delay process so that they could sell the loan. Then in XXXX of 2014 the loan was sold to Rushmore Loan Management Services and from that time until today my application is still incomplete. I strongly believe that Rushmore is intentionally delaying the loan modification process in hopes of foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/2016 I purchased a service from a merchant through paypal for {$5500.00}. Paid {$3100.00} on XX/XX/XXXX and then the balance of {$2400.00} on XXXX/XXXX/2016. Paypal restricted Merchants account and refused to release the {$2400.00} payment. Paypal reasoner NOT justified and they have failed to provide any genuine issues of fact but continues employee the identical policy which brought about their latest class action settlement. As a result, the merchant refunded to me the original {$3100.00}, but since the {$2400.00} was frozen by XXXX our contract was cancelled and the service I paid for was NEVER RECEIVED. I contacted XXXX attempting to resolve the issue as did the Merchant with no resolution.On or about XXXX/XXXX/2016, I contacted Capital One, explained all the facts, spent over 30 minutes on the phone going over the entire issue. Provided the terms of the contract, the rental property information and thoroughly explained that the services i paid for were not provided. Capital One originally removed the {$2400.00} charge. Around XXXX/XXXX/2016 I received a XXXX page form from Capital One requesting identical information which I had previously provided to the fraud investigator and more information which was completely irrelevant. On XXXX/XXXX/2016 Capital One placed that charge back onto my card and against my available credit. On XXXX/XXXX/2016 I contacted Capital One again, the representative informed me the investigation is not completed and they will continue to investigate. However they would not remove the disputed charge of {$2400.00} from my account. They representative asked why i never returned the XXXX page form letter. I informed the representative that all the information requested was previously provided and that I have carried out everything I am entitled to do. I informed the representative that federal law and our contract requires them to remove that charge until the investigation is complete. They still refused. I also informed Capital One if they report my balance to the credit bureaus and include the {$2400.00} disputed transaction, they would be deliberately providing the credit bureaus with inaccurate information. Simply put, Capital one did n't not care and it seems they will simply do whatever they want regardless of policy, contracts or government violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Predatory Lending Practices : I have continuously asked that Capital One send me a monthly billing statement and or give me access to my account online to be able to view my account for about 3years straight and for some reason the bank has refused to honor my request. I have made payments blindly each month and yet can not see or know if payments are applied to my account. in addition, this bank will periodically send my account into foreclosure, forcing me to pay attorneys fees, and all kinds of charges trumped up to avoid my house being foreclosed. I am just fed up of the constant rip off. 
I acquired this loan through XXXX. However, the loan amount has increased by up to {$10000.00} within the short time that Capital One took over in late fees, Lawyers fees, and inspection fees like ( property inspection? ) ; a home i have owned for about 12years. However, it is worth pointing out that despite payments made on this loan, it never reduce by a {$1.00}, for 10yrs, but instead became more than the original borrowed amount. 

Last year, I became bankrupt. And even while in bankruptcy Capital One continued to charge interest on this Loan. My attorney and I have asked that Capital One reverse those chargers, and start sending me a monthly statement by mail, email, or even give me access to my account online ; yet Capital has refused to comply. 
Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Linebarger Goggan Blair & Sampson LLP
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter in the mail stating I owed the collections agency Linebarger Goggan Blair & Sampson LLP from a debt in 2014 from the state of Illinois. I have never received anything regarding this from 2014 until now. This collections agency has told me on the phone I have to pay something and I do not have any knowledge of this and feel like this is something that is fraud. I lived at the same address for 5 years and no one has reached out to me concerning this. this collections agency is using unfair practices to force me into paying something I do not owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Wilson, Riley & Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous phone calls at work from Wilson, Riley and Associates at XXXX leaving messages that I need to call back immediately or face legal repercussions. I do not have bad credit or any outstanding debts. I called back and the male that answered the phone was very rude and disrespectful. I told him not to call me at work, I am not XXXX XXXX and I was going to report him for contacting me. He said he is within his rights to contact me and to have fun trying to file a complaint. I do not want this company calling me and harassing me at work. I could lose my job for having personal phone calls like this. My job also does credit checks and my good credit is dependent on me keeping my job. This is creating a stressful unnecessary hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Byrider Franchising, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
hi I bought a car from jd byryder in XXXX and it was a hot mess. it broke every other week. so I told them to come get it. I paid XXXX for a XXXX mazada truck which was a rip off. I reported them to the attorney general because I was suppose to be in this program with them to fix my credit from day one they never reported that I paid on time. and now when they came and got it 3 months later because it kept breaking down they are still repoting that I owe them XXXX on my credit after they sold it for almost the same price they sold it to me for. I do not owe them nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have requested Renton Collection XXXX to provide me with written statement of my debts via mail or email, they have refused to email it to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation