BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent 3 different letters to Experian for different. After tracking them I was able to see that Experian had signed to receive all three letters on XX/XX/2020. Experian only responded to one of the three letters received. I sent out a failure to respond letter in which they received on XX/XX/2020 along with copies of each letter I had originally sent to them and all 3 copies of the certified tracking slips that I received when I mailed the letters to Experian. Ive submitted complaints with the CFPB in regards to how Experian has handled my previous disputes and how some of my previous disputes had not been marked as in dispute even after pointing out the FCRA violation. It is obvious that Experian has not performed an independent investigation into my issues and they do not care to follow the laws afforded to consumers under the FCRA. I recently received an updated credit report with no changes! Why were these accounts not handled properly? Experian failed to respond to my disputes in the allotted time provided to them by law which is cause for an automatic removal of all the disputed accounts in the letters sent to them on XX/XX/2020. In previous complaints placed through the CFPB Experian either reopened the dispute and made no change or responded and informed me that they could not look into the situation because they were not sure I was who I claimed to be.

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 2020-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I went to use my ten year Kohls card online and had to call them. They closed my account due to inactivity 2 weeks ago without notice, damaging my credit score. I explained I've been down with long term medical issues. They said they couldn't reopen the account because Capital One wouldn't let them. One lady said they didn't have to notify me, another claimed they did. Spoke to CapOne corporate, they said that is a lie, it's 3rd party and Kohls controls it. I worked really hard to build my credit. They sent me to fake Corp numbers and denigrated Capital One. I want my score fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank issuse me XXXX credit card ' after revived those card ' paying my account on time checking my credit report synchrony Bank running my credit report none stop over XXXX time, I was upset about it I call synchrony bank ask why were they running my credit and the actives had brought my credit score down ' I was n't request credit. I was told from synchrony bank upping my credit, you do not running my credit because I had not request credit extention ' I'requeted synchrony bank contact each credit beuars have it remove, and credit my Amazon account {$780.00} synchrony Bank never have, doing the dispute of charges synchrony bank close my stein mart card I went to pay on my account at stein mart store I was told my account was close, I had never miss a payment ; I call synchrony bank ask why was my stein Mart account close I 'm here at store trying make a payment 'oh we thought it was you stein mart card I replied not true the complaint was made on amazon card ' you have that card no # XXXX I wrote letter dispute charges, complainted with the close card on bank saying it was investigate, synchrony bank let this went on for months I could not make payment, synchrony have cause my account to be 10 months behind could n't make payment have increase dollars amount of intrest fees on my credit report showing 130 -160 days late, synchrony have not credit this information. not fair of this company running my credit after I was given card ' same with TJX credit gave me limit 0f {$300.00} ran my credit put credit at {$100.00} on my credit report came back put XXXX back on credit I never use but {$100.00}. in debt XXXX that unfair pratice it got to stop as hard as I worked on my credit. 
Synchrony Bank approve me for XXXX credit Card stein mart, amazon T J X in XXXX of last year I made a reported to Synchrony bank that there was over {$890.00} charger on my card I 'm dispute it on amazon card ', synchrony bank call me all day every day. want correct my accounts asking me pay {$200.00} and {$300.00} a month with lost month the bank close account continues charge interest as high as {$25.00} a day when payment could have been paid because of there investigation for long months did not allow payment to be paid'closing both 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 2016-09-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Convenience checks

Complaint:
I wrote a convenience check which posted in my account on XXXX/XXXX/2016 and the credit card company posted the charge twice. I have contacted them 4 times and they admit that it is the same check and should be subtracted but nothing has been done. It is still charged to my 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 2020-11-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed several accounts from my credit report with XXXX, Experian, and XXXX. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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 2017-03-10
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had summited a claim regarding this with another company and it had been removed but that company sold my dept to this new company and its showing that its a new re opened collection ... 
RECEIVABLES PERFORMANCE MGMT {$0.00} {$630.00} XXXX accounts reported on XXXX XXXX, XXXX XXXX account reported on XXXX XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$630.00} Balance XXXX Original Creditor {$630.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Joint Account Responsibility -- Remarks NoteXXXX, XXXX. 

XXXX XXXX, XXXX XXXX {$630.00} Re : XXXX XXXX Reference No : XXXX Dear XXXX XXXX : It is our policy and procedure to honor requests for no phone calls. On behalf of XXXX XXXX XXXX XXXX we apologize for any inconvenience or embarrassment you may have been called. Your comments have been referred to the appropriate department for investigation. 
Please accept this as confirmation XXXX XXXX XXXX XXXX has closed its file and discontinued collection efforts on the account. 
Sincerely, Consumer Affairs on behalf of XXXX XXXX, XXXX. 
Toll Free No : XXXX This communication is from a debt collector this company is trying to collect a collection that was sold to them when we had came to agreement with other company.

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 2016-04-05
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Waiting on XXXX to go through and husband is on XXXX leave which was explained to them. I do make at least a {$50.00} payment when I can. They call about 4 times a day on my cell phone and 4 times a day on my house phone alternating them house phone then promptly after my cell maybe wait an hour or two and do it all over again.

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 2017-01-17
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
My payment was sent on XX/XX/2016 the payment was sent with tracking. The tracking number is XXXX and confirms the payment was received by Synchrony on XX/XX/2016 at XXXX. The check was drawn from our title company under check # XXXX is in the amount of XXXX that should have paid the card in full. Synchrony has taken the stance that they ca n't find it and it 's my problem and not theirs even though I have provided them with the tracking and check information.

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 2015-08-01
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
DIVERSIFIELD CONSULTANTS INC HAVE VIOLATED FCRA RIGHTS. 
They have reported to XXXX XXXX on XXXX XXXX, 2015 on an collect account as a new account. First of all, this account was originated over 5 years ago and was included in a Chapter XXXX BK. second of all, they never advised me of the new reporting. It is very illegal for any company and a clear violation of my FCRA rights to report to any credit bureau on an old account as a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: Resurgent Capital Services L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX made a 6 month verbal agreement with me during a difficult financial period I was going through. To catch up or continue to stay in good standing with the company I was told to make payment of {$660.00} per month for 6 months back in - I believe XX/XX/2019. After adhering to the verbal agreement, I was to go back to making regular payments of {$550.00} / month. After about 3 months I started receiving notices to repossess my car and they had reportEd me being late on my credit report. After I contacted XXXX XXXX, they denied ever making the agreement. They tried to say I was talking with an employee that didnt know what she was doing. This is unacceptable and I should not have to suffer consequences because of an agreement made by your company. I continued to receive notices that my car would be repossessed and they reported to credit agencies that I was delinquent. I continue to make my payments on time and even caught up that extra payment. It is still reflecting on my credit report. They have caused me to have loans denied when I am able financially, I plan to pursue this legally. Please intervene so that my credit report gets corrected and so that no one else has to go through this. They have also been mean and disrespectful with me over the phone. This is no way to conduct business!!!

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
This company is violating my consumer right to privacy, pursuant to 15 U.S.C. 1681a 602.4. Company also has NO permission to report ANYTHING using my information, pursuant to 15 U.S.C. 1681b 604.2.

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 2022-09-18
Company: TD BANK US HOLDING COMPANY
State: MD
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:
TD Auto finance reported on my credit that i missed a payment, my loan has been paid off and i pay every month, i did not miss a payment in XXXX as stated by this company. I called but they were unwilling to help. They can check there records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Penn Credit Corporation
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Multiple recorded calls from XXXX XXXX XXXX about a supposed debt owed to " state of sc '' a state in which i have never lived or worked.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01
Company: V and H Portfolio
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A company call ed Vance Huffman licens e number  XXXX  called and attempted to collect on a credit card account from  2003  that was paid in full with the company   XXXX   XXXX   via a settlement. I asked for a debt validation letter and they proceeded to call family members leaving detailed messages about my supposed debt, which also is n't real. They have caused me embarrassment and have defamated my character. This is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2016-10-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been charged multiple NSF fees. USAA goes by the available balance and not the ledger balance. When the debit card is wiped usaa immediately deducts this from the amount before it ever hard posts. There is no cutoff time for this. BUT when a deposit is made, it has to hard post to be used same business day. i feel this is predatory practice! 

for example, its XXXX and my account has XXXX. I swipe my card for XXXX and it is pending. that same night an ACH transaction comes in for XXXX, the XXXX is still pending. I WILL GET A NSF FEE! even if i transfer to cover the XXXX, because it is after cutoff the deposit does matter. Even if the XXXX never hard posts usaa only sees available balance which is unfair because they do not do the same for deposits. 

My ledger balance never goes negative however i receive the NSF fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Dear CFPB, I'm writing out of desperation. 

I'm a XXXX XXXX  XXXX customer, and have been using their credit card to pay off a balance transfer. I had set up automatic payment so that {$800.00} gets deducted every month. However, for whatever reason, this feature was turned off without my knowledge, and as a result my credit card balance went unpaid for one payment cycle. I didn't sign-in to my bank account because I assumed it was on auto pilot. 

It's weird thaXXXX XXXX XXXX XXXXXXXX didn't notify immediately but instead waited XXXX so that they can charge me late fees. It wasn't until a week ago that I received a notice from them about the outstanding balance. I immediately called XXXX and they re-set up automatic billing ( which still doesn't show up when I log into my online account ). However, the damage has been done as my credit score went from a 727 to a 620. If they had notified me immediately after the first payment was missed, this would never have happened. It is irresponsible of them to wait until late fees have been added and the late payment has been reported to the credit bureau to contact me, especially given that I have never in my 20 years of being a banking customer missed a payment. 

I've always had excellent credit, have NEVER missed a payment in my life, so this is truly a major blow for my financial situation as I'm about to look for an apartment in the XXXX area but with a 620 score, I won't qualify for housing and am looking at the possibility of being homeless. I'm trying to rectify this situation and would appreciate your help. XXXX XXXX XXXX needs to be held accountable for what they did. 

I would like your help in removing the late payment from my credit report. 

From what I can see, they purposefully disabled my auto-pay, did not notify me that the payment didn't go through so that they can charge me late fees. In my 20 years of being a bank customer with many different banks including XXXX, XXXX, XXXX, etc. I have never encountered anything like this. However, I suspect XXXX is doing this to a lot of customers to generate additional revenue in fees. They need to be investigated and stopped. This is how regular, financially responsible people like myself can go from financially stable to destitute and homeless. 

Thank you so much for taking the time to read this letter. I hope you can help me get this situation sorted out and hold XXXX XXXX XXXXXXXX accountable. 

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 non-monetary relief
Consumer complaint received 2017-05-31
Company: JPMORGAN CHASE & CO.
State: TX
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:
Dear CFPB : I am filing a new dispute . Chase did not address the issue presented. In a letter from Chase it is started I did not return the item in the alotted time to receive a refund. This is not true. I am enclosed documentation of when the item was received and when the item was returned. The  item was delivered on  XXXX  -17 an d the item was returned on  XXXX -17.     Here are the items attached  : 1. Email from the Merchant  dated  XXXX   XXXX ,  2017 2.   Letter from Chase  dated  XXXX   XXXX ,  2017 3. Postal Receipt  of when the item was sent to the merchant.  XXXX   XXXX ,    2017 4. Postal R eport of when the item was received by the merchant, signed for by the merchant.  XXXX   XXXX ,    2017 It 's no t true the item was returned 30 days later as stated by Chase.     I hope to receive an appropriate resolution soon.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation