BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, 2017 I drove a friend to a XXXX for an initial appointment. The XXXX is XXXX XXXX. The office manager, XXXX XXXX, tried to be all friendly, like a used car salesman. Said my friend needed all sorts of XXXX work but her credit was bad. Then asked if I would cosign for her. I finally said OK. He took my information. He wanted me to cosign for her, then had me sign some simple form saying I would pay ( enclosed ). On XXXX XXXX, 2017 I had convinced my friend they were just scammers. We faxed an initial cancellation to them, which they received. A few days later, a credit card appeared in the mail with a charge of {$11000.00} on it. I called CareCredit and told them I never asked for or filled out any form requesting a credit card. The office manager at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, did all this without my knowledge or approval. I never saw any credit form. I have sent the bank, which is Synchrony Bank multiple copies of faxed notes to XXXX XXXX XXXX XXXX XXXX ). XXXX has never replied nor tried to cancel the credit or return the bank 's money. I consider this as Fraud, not a billing problem. I am contacting CFPB with the initial complaint against XXXX. They have taken advantage of senior citizens by scamming them into paying for things never received or done. No services were ever done for me. I just drove my friend there and was pressured into signing as a cosigner. But the entire thing was cancelled on XXXX XXXX, 2017 and XXXX provided nothing except the initial office visit. XXXX has never tried to collect from my friend, but they have charged XXXX as much as possible without providing anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are people listed as family members from XXXX Ohio on my page and it also reports that I lived in Ohio. I have been through Ohio in passing, but ever to live in that state. 

This is most likely from Identity theft that I am seeing. I do not know how long this will continue but my report but I have asked to get this corrected several times. 

XXXX also detailed me as having these connections XXXX and Transunion XXXX XXXX  reported to me that there was an account opened in my name but it was not my account. 

XXXX XXXX XXXX has shown me that my SSN and DOB were exposed on the Dark Web several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX : I contacted Experian to complain about the status of my credit card in my credit report, it read closed on my report with last activity XX/XX/XXXX. It impacted my request for credit in XX/XX/XXXX from a mortgage lender ; I was offered a lower tier rate because of the absence of a revolving facility and low score. The dispute was marked resolved after my request and status of my credit card updated. 

XX/XX/XXXX : I applied for a personal loan with XXXX XXXX and was denied. I have attached the notice of adverse action. The reason for denial was absence of revolving credit. I pulled my score and report from Experian and it shows my credit card account as closed and not included in scoring, same issue from XX/XX/XXXX that was supposedly resolved. I've attached the report and score. 

This issue has caused me significant harm. I'm paying more for my mortgage and was just denied access to credit because of this.

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 2022-09-08
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:
I've never had a late payment and there were issues with logging in to make payment. Late in XXXX after trying to login payment was due XX/XX/XXXX and I called XX/XX/XXXX since the login wasn't working and paid in full {$220.00} I requested they take it off the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
There are people listed as family members from XXXX Ohio on my page and it also reports that I lived in Ohio. I have been through Ohio in passing, but ever to live in that state. 

This is most likely from Identity theft that I am seeing. I do not know how long this will continue but my report but I have asked to get this corrected several times. 

XXXX also detailed me as having these connections Exquifax and XXXX XXXX XXXX  reported to me that there was an account opened in my name but it was not my account. 

XXXX XXXX XXXX has shown me that my SSN and DOB were exposed on the Dark Web several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Experian Information Solutions Inc.
State: MT
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:
XX/XX/XXXX, XX/XX/XXXX Experian mailed me a letter stating the investigation was complete dated both dates respectively. After two attempts to have this debt verified or deleted and there still being errors I am reaching out for help. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX. On XX/XX/2022 my federal tax return was deposited to my American Express Serve card. That day I used my card and withdrew {$700.00} and made approximately {$50.00} in other charges, gas, etc. I was unable to withdraw more than {$750.00}. However, the following day ( overnight while I was asleep ) someone I let stay with me stole my card and made over {$3200.00} in fraud charges before I woke up and realized and cancelled my card and requested a new Serve card. I started a dispute over these fraud charges in which I was declined a few days ago. This seems so unfair that they could fraudulently charge more than I myself was even allowed to make purchases on the previous day! Any help is greatly appreciated!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX of 2019 I began the refinance process with Wells Fargo. 3 months into the process even after paying for and complementing the appraisal of the subject property I was denied the loan. I expressed my frustration and concern that I was being discriminated against as a XXXX man. I later moved on with another lender and closed within 30 days.. 
I believe I fall into the class action against Wells Fargo.

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 2018-04-24
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was unable to make payments on my student loan due to financial problems. I contacted sallie mae/navient in 2016 to see what my options were. I had heard of income based repayment options and possible refinancing. Sallie mae/navient told me i would not qualify for refinancing and told me my best option was forbearance. They pushed me hard to get me to forbear my loans, which i did. I feel i was lied to about my options, and on top of that was given 5 % late fees whenever i missed a payment. I feel these are predatory actions and sallie mae/navient needs to be punished for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have been a cardholder of Elan 's XXXX branded card for several years. I was hours late ( as in close to midnight on the due date, meaning the payment would credit the next day ) making my monthly payment. I paid over the minimum and immediately messaged customer service, apologized for my oversight, and requested to have the fee reversed. 

I received a note back from customer service that they had reviewed my account, declined the fee reversal, and they recommended I enroll in autopay to avoid this happening again. 

It is incredibly demeaning and condescending to copy-and-paste a paragraph about autopay to a customer. I had never been late making a payment in years with the card. I messaged back and said " If you do not remove this fee, I will close my account. '' Without my consent, my account was closed! While reviewing the details, I noticed that Elan had raised my interest rate without informing me, maintained the late fee, and by closing my account, prevented me from accruing or redeeming XXXX rewards points ( Elan requires their redemption in XXXX increments ).

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 2017-06-20
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a major problem with Chase Mortgage. Their agents are calling my house at all hours of the day and night telling us to move out and give up our house because they are going to foreclose on me. At the same time, we are trying to get the Chase loss mitigation department to work with us to review for a modification but they have failed to assign an account manager or review our current financial information. We bought our home with a FHA loan and I know there are programs available for people in our situation. I dont know why Chase is purposely blocking us from these programs. We had a temporary financial setback but are back on our feet and have the ability to make a fair and affordable mortgage payment. My wife and I both work and we are going to fight to save our house. But our biggest opponent has not been our finances, it has been our mortgage lender, Chase. My wife and I purchased our home in XX/XX/XXXX and live here with our XXXX children. I have worked as an XXXX XXXX for nearly 30 years and at the time we took out this loan my wife was working full time as well. In XX/XX/XXXX we had some unexpected expenses and it was difficult to keep up with a {$3600.00} a month mortgage payment. We were able to apply for, and then get approved for a loan modification that lowered our payment and interest rate. We paid on the modification for nearly three years until my wife lost her job in XX/XX/XXXX. This caught us off guard, and I tried to rearrange finances and liquidated savings etc. but we ended up missing our mortgage payment. Within a matter of months my wife was back working and I attempted to make our regular monthly mortgage paymentthe problem was that Chase would not accept the payment, they wanted us to repay all missed payments and interest and late fees etc. and we were not able to do so. Things have snowballed from there. Despite multiple attempts to get a new review for modification assistance opened we still do not have an active review of our current financial information being conducted. We still do not have a dedicated single point of contact. We are being harassed with collection calls by rude and insensitive agents, and the Chase loss mitigation department puts us on hold and transfers us around and never attempts to resolve our issues. Since this is an FHA loan insured by the government I thought there were programs put in place for homeowners in our situation. This is an avoidable foreclosure, because we have enough income to afford a fair payment. The issue is that Chase Mortgage is attempted to obstruct access to these programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: APPLE FINANCIAL HOLDINGS, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Apple vamk for savings, a nee york based bank, had scheduled a online convention on XXXX XXXX XXXX, they notified consumer that the online services will be unavailable from XXXX XXXX till XXXX XXXX. However, when i logged on after XXXX XXXX i was stocked thay only some of my accounts showd ( i have several accounts under same username, 1 as a personal and 1 for my business, and 1 for savings ). I wS sure its an error, i called the costumer service line, after a wait of more then 45 minutes, the operator told asked me what he csn help, i said, my business account dosent show online, he said ohh business accounts was not brought over to tje NEW system, u have to go to a local branch to set it up, i askes why i was not notified about it, he was not able to answers. A day latter at the local bank. As a arrived at the bak there was alot of people with the same problem, the bank manager asked us all togetherto come to his office, he first apologised on whays happening, by saying the does not have an idea why this happend and that he was asked by the HQ before the cibversiin date, to notify just few people that will be affected and he did, but ge was told thay the rest will not be affected, but he just learned that " ALL '' business accounts wgere affected, and that he can not even get through the HQ to know whats going on becase that dint answer his phones calls, He than took information from everyone in the room and promisedus that the ussue is going yo be resolved in less tgen 2 days, Since then i tried to check online my bank account on daily basis, but nithing changed, i dont habe acces to my business account, Today it 2 weeks already l, so i went back inyo the local bank, tbe menager was noy therr today, so one of the bankers there asked my whay the issue is, i repeated my priblem, she asked wgats the name of your business?, xyz, i replied, she browsed though a bunch of papers on her desk, she said, your business is not on my list, i asked, so what dies it mean?, she said, your account is bot in a lust of account that we are going to fix today, i asked when can i expect mine to be resolves, she answered i dont know, and i can not give you a tine frame. She then told me a lie, that they notified everyone in advance, something is not ture, i am attaching the only email we got before tge conversion, and the menagers also told us 2 weeks ago that he was in total surprise. Meanwhile, i can not pay bills, transfer funds, reconcile my business records and so on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: LendKey Technologies, Inc.
State: IN
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 mailed a letter to LendKey on  XXXX   XXXX ,    2017  about an unauthorized inquiry on my   XXXX   credit report from their company. I suspect this is fraud. I asked them to remove the inquiry, and to forward any documents that showed I agreed to apply for credit from them. I have not heard back from them yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this 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. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. 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 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 three negative credit items outstanding debt now. 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 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 XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was released from prison in  XXXX  and began to work on my credit. I seen someone had a capital one account in my name. This could not be mine because I was in prison when the account was opened and we had no access to internet activity. So a fter Capital One investigated they deleted it. Now I am trying to rebuild my credit and actually apply, they are denying me. How can I be accountable or punished for something I did not initially do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At annualcreditreport.com I can never get my credit report or credit score from Equifax. I have to call the request in and it takes 15 days to get it in the mail. I got a letter from XXXX XXXX saying that my Equifax credit report or score was " bad '' and I might have to make a deposit. I can get an immediate online Equifax credit report and score if I pay those corrupt XXXX MONEY. They are trying to extort money out of me instead of complying with the law and providing my credit report to me for free online.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We were on the unlimited package and never had any extra charges, but XXXX XXXX claims, that we accumulated over {$1200.00} worth of internet use for 3 days. How is this possible?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Synchrony Bank, has no email address or phone # Listed, has been reporting Me as I am deceased. XXXX XXXX!! 
Lowe 's XX/XX/2022 Lowe 's Cancelled my application because I am DEAD, Ha!

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 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX, XXXX OH XXXX I recieved a copy of my consumer report with the intention of improving my credit and taking care of my responsibility and i noticed an account that i want a little more explanation on. I am not saying that its reporting wrong or right im just not 100 % sure if it is. I also read somthing called the Fair Credit Reporting Act where it said by law i can challenge anyhting i am not sure is 100 % correct. In 15 USC 1681 i ( a ) it states if you caint provide proof this account must be deleted. Well i want this account deleted if it is not reporting 100 % accurate. By law you have 30days to complete your investigation or delete the account. Please investigate this account and remove it if theres anything missing XXXX XXXX  Please investigate if every piece of information on this account in accurate or delete the item

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