BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
I have an account with Synchrony Financial that allows for normal purchases and promotional purchases. I spoke with XXXX XXXX, a customer service representative, and XXXX XXXX, a manager. When speaking with them I was initially refused the a copy an updated credit agreement, and then told that it is the bank 's policy to apply payments to deferred promotional balances prior to non-promotional balances, unless a customer calls to direct a payment. Moreover, I was instructed that it could take up to 30 days for them to provide an updated credit agreement. 

By allowing non-promotional purchases to compound at a high interest rate, I feel the company is taking advantage of consumers everywhere. No where in the monthly statement does it say I should call to direct the payment, but they do routinely send reminders to use the card at other merchants. The non-promotional balance carried an APR of 29.99 % while the promotional balances were deferred if paid in full within the promotional balance. When I asked if the previous payment can applied to the non-promotional, I was informed only future payments can be directed. I am also bothered that a manager told me " what 's the big deal and the amount of interest is less than the deferred interest so not to worry about it. '' If this happened to me, and they affirmed this is standard policy then imagine the damage this company causes to people who really ca n't afford it or does n't understand the effect this practice has on their financial future. The damage would be a product of the number of customers times the number of months it would take pay off all.

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 2015-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The XXXX credit report agencies released and provided to XXXX different companies my credit information without my seeking to have credit extended to me. This happen XXXX XXXX 2014 and XXXX XXXX 2014 by the companies being, XXXX XXXX XXXX, and XXXX XXXX. The impermissible pull is negligence under Federal Law 1681 under FCRA ( sec 604 ( A ) ( 3 ), and Damages under FDCPA. I had gone to both these dealerships as co-signer and on loan already approved by XXXX, for XXXX XXXX my partner, the approval ID XXXX on date XXXX2014. the dealership never indicated they would seek financing other than that we went in with from XXXX XXXX They obtain my social security indicating they would contact XXXX and see if they could " increase '' the amount with me as co signer because they " Dealership '' F & I department manager said XXXX would not qualify receiving social security income because no way to re coop loan if it defaulted because XXXX receives State payment subsidy and social security and creditor would n't be able to garnished. At no time was authorization signed to allow a credit pull or to seek other financing, nor was there any disclosure as required under law as to sharing of consumer information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 explanation
Consumer complaint received 2015-10-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
USAA will not allow me full member access to my accounts saying that " Since I declared bankruptcy they ca n't collect debts ''. This is contrary to bankruptcy law, as my bankruptcy was finalized 3 years ago, and therefore I no longer owe them money. When I call to find out more and get more details and ask to speak to a supervisor in banking they put me on hold for XXXX minutes and then disconnect me. They only allow me mobile access, which does not allow access to my USAA accounts to change how I pay my bill and do other critical things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Diversified Consultants, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX made fraudulent charges on my account, I received settlement check for inaccuracies. I should not be liable for any past due accounts/ balances due to fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I applied for an auto loan when the 2016 model trucks came out from USAA Bank. Sent in all financial information and was not granted loan. Turned down flat. I believe it is due to my XXXX. Cleary there is enough cash flow in my personal tax returns when a skilled agent or licensed agent evaluates the available cash flow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was placed in collection from a collection agency for XXXX medical bills. I had medicare at the time and my out of pocket expense was {$140.00} which I paid to XXXX. After that any bills that were incurred were paid by medicare. I have XXXX collection accounts on my credit reports that should not be there. XXXX is for XXXX and the other XXXX is for XXXX. First off how can this collection agency place me for collection twice? is n't that double dipping? As I mentioned earlier I paid the initial {$140.00}. I should have not been placed in collection for these XXXX medical bills. I contacted Medicare in regards to this issue as it is affecting my credit and was told both bills were paid. I am disputing this information on my credit reports as I want them removed as they are affecting me in obtaining credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: Global Credit & Collection Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I am getting calls from a company named XXXX. They call me all day every day while I am working. They also yell and me and are rude. They never state their information such as where they are located or business information. The number they are calling me from is XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-01-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit card Debit from HSBC was paid in XXXX and credit bureaus removed the account from my credit bureau reports in XXXX. Removed from my husbands credit bureau reports for between XXXX. XXXX XXXX creditors continue to harass mu husband, myself, and other members of our family threatening to have us arrested, have us served papers, calling us names, using profanity and not providing exact company names and sometimes not providing good call back numbers. This has continued for 3 years now and it has got to stop. We have filed multiple complaints with FTC and all credit bureaus with no help. The state time law limits have passed and the evidence has gone and we need to be protected. The collector called my phone looking for my husband and said they were from XXXX XXXX and were going to sent someone to have my husband served and possible arrested if he did n't pay a bill that he is refusing to pay. The number on the caller ID was XXXX and the call back number she gave me was XXXX. When I explained that we had talked to an attorney already and the debt was paid years ago and I was happy to fax proof over, she stated they did n't operate with faxes. I have had to fax this proof and documentation to multiple companies over the years and I am sick of it. Please make it stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: APR or interest rate

Complaint:
I applied for my carecredit card at a dental office, not knowing about promotional purchases and the deferred interest because nobody explained it to me, they checked my score and said i was approved, which i got XXXX different procedures done. Ive never been late, i pay the payments and then i get an email that i have promotional purchases that are about to expire, which they did and it affected my credit report and the interest tacked on is higher than the minimum payment, even when i pay more, it does nothing. I was misinformed about the care card

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 2016-04-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
To Whom It May Concern : I applied for a " Bluebird '' Walmart Credit card because the XXXX website offered more points on their Savings Catcher program if you converted the points onto this card. A couple of months ago, I was having some Fraud issues with my checking account, making it difficult to keep up with the payments on this Credit card. They allowed me to charge over my credit Limit. I called the bank for this Credit Card, Synchrony Bank on XXXX/XXXX/2016. I told them I would pay {$130.00} on XXXX/XXXX/2016. They told me that this payment would bring my account into a " Good Standing '' status ; however, the XXXX, 2016 statement shows ONLY a {$60.00} payment on XXXX/XXXX/16, 2 days AFTER I had made the payment on XXXX/XXXX/16 of {$130.00}! When I called Walmart Credit card Dept XXXX on XXXX XXXX/XXXX/16, I was told that the account was CLOSED due to having been over the credit limit AND past due (? ) My payment of {$130.00} brought the Balance back BELOW the Credit limit, and, per Synchrony Bank would bring me OUT of a Past Due status. 
Sincerely, 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 monetary relief
Consumer complaint received 2017-01-06
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Payoff process

Complaint:
I make a payment every month of about {$200.00}. I have n't put charges on this card for about 2 years. But every month i owe more than the month before. I am wasting my money trying to pay this card because of all there fees and charges that I am not even sure what they are for. 
I am a month behind so I get about 5 calls a day they are recordings telling you to hit one for a representative. The recording does n't state who it is from. When you try to talk to them their English is bad and wo n't explain fees. I just do n't answer the phone if it is their number.

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 2016-12-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The bank listed in this report continiously calls my parents landline telephone number. My parents landline has NEVER been given to this bank nor has it ever been authorized for them to call.

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
Consumer complaint received 2018-05-26
Company: Capital Accounts, LLC
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:
I mailed a certified letter out disputing account on XX/XX/XXXX. The tracking on the letter states that the letter was picked up from their post box on XX/XX/XXXX at XXXX. The 30 days have passed and I didn't receive a response to my letter so therefore the account should be removed from my credit. Attached proof of delivery to the collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
XXXX, the company who the debt originated with, never sent out communication that my account was going to be sent to collections. I never received a bill in the mail, or even correspondence that it was going to be sent to collections. There was no phone call, email, letter, or any communication whatsoever that this was even to that point. 
The account uses my financial information, but the name on the account is XXXX XXXX XXXX. The address on the account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a robo call from this company on XX/XX/2017 @ XXXX. It left a voice mail on my phone, stating that if there was a moment of silence I 'd identified myself, for which I did n't because I did n't answer my phone. I get telemarketing calls all day & refuse to answer my phone anymore unless I know who 's calling me. I 'm grateful they did leave a message though. That 's how I got the minimal info that I retrieved. I tried calling this number back before I knew they 'd left a message. It never connected & always disconnected. I never spoke to a rep nor do I have any idea what XXXX XXXX is saying I owe them. I checked my past medical bills & do n't find anything for them. Not really sure who this is & do n't know why CMRE would be calling me to surprise me or try to argue with or threaten me with collection on a bill I am not aware of. I do n't think that 's good business practice. They should 've sent me a letter first. I do n't answer any numbers I do n't recognize especially if they 're XXXX numbers.

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 2016-12-19
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This company Convergent is trying to extort monies from me! 
1 ) this account was paid off XXXX 2 ) i have a current large line with XXXX perfect rating 3 ) this account is 10 years old and paid off,. 
4 ) this is extortion

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 2015-07-28
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I saw on my credit report there were medical bills that was reported. I never was aware that I owe bills for my medical debts. some of them belong to another insurance company to pay. But before they can pay for them they had put them on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This collection company works with XXXX XXXX XXXX, I have 2 issues : 1. They are trying to collect on a debt I have been making payments on for over a year now. 
2. They are not providing proof of amount owed, I have requested multiple times for an audit of my account to reflect my payments and insurance payments. 
3. CRME nor XXXX XXXX returns calls or acknowledges receipt of letters faxed.

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 2015-09-11
Company: Rocket Mortgage, LLC
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Contacted Quicken loans prior to XXXX XXXX, 2015. Received notice from them dated XXXX XXXX, 2015 that my application for a mortgage was " taken out of process '' on that date. I did not authorize the XXXX inquiries made by Quicken Loans on that date. XXXX XXXX XXXX has erroneously made this inquiries. What can be done to stop these nefarious inquiries, restore the points lost because of his fraudulent behavior?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Since our income have increased considerably, we submited an Assistance Review Application request to XXXX ( XXXX ), the Mortgage Servicer of our loan with XXXX XXXX XXXX. While XXXX was in the midst of reviewing our Application, on XXXX XXXX, 2016, U.S. Bank National Association ( US Bank ) entered a Foreclosure Action against my wife and I and is pursuing it aggressively in Court, while we are proceeding in good faith with our request for relief and submitting additional documents that XXXX continues to request for their evaluation process. 
US Bank actions entering and actively pursuing this Foreclosure Action in Court against us to take possesion and sell our home of 17 years while our Request for Relief is being reviewed and considered goes against the policy of Loss Mitigation and Home Retention promoted by the USA Department of the Treasury, Controller of the Currency ( COC ). 
Thus, US Bank is in violation of the COC policy of Foreclosure Prevention that states that : " Well structured loss mitigation actions should focus on foreclusure prevention, which should tipically result in benefitting the borrower. ... .preference should be given to activities designed to keep the borrower in the home. '' US Bank entered this Foreclosure Action actively and agressively while we are procesing a foreclosure prevention action. US Bank policy is deceiving the banking practices it agreed to with the OCC, and must DISMISS its Foreclosure Action immediately to preserve the OCC Foreclosure Prevention policy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
This property has been under contract since XXXX XXXX, 2016. Select Portfolio Servicing is the second lien holder. The first lien holder XXXX XXXX has approved the short sell and is granting the second lien holder {$6000.00}. 

The first lienholders short sell approval will expire on XXXX XXXX. SPS is dragging the process out and it appears that every 30 days they are asking for the same document over and over again to prolong the process. We have sent the letter of authorization at least four times and they have requested it again yesterday asking to include the listing agent 's name. Any other lender would 've asked for this to be included back in XXXX when the property went under contract. 

Can you please assist in making SPS escalate this file? As stated above the first lienholders approval will expire on XXXX XXXX, 2016. We have asked for an extension and hopefully this will be granted that the closing must take place on or before XXXX XXXX, 2016. Thank you for your assistance with this matter.

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