BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: NC
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2020-12-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
i overpaid my acct, call few weeks ago they where supposed to send a ck

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 2016-11-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have an Amazon credit card through Synchrony Bank. They have a payment due date of the XXXX of the month. I paid my payment on the XXXX and they accepted it as posted on the XXXX of XXXX. The next day I am showing a {$35.00} late fee on my account. I called ( XXXX XXXX ) and was asked why I am waiting until the due date to pay my bill .... I told them because that 's when it 's due. They told me that if I pay on the due date that the system automatically charges a late fee and it stays on there for 36-48 hours. They told me I should pay two days before the due date. They admitted I was not actually late. The {$35.00} adds to my average daily balance and therefore to the amount of interest they charge me. Add that up over several XXXX XXXX customers and they are making a lot of interest on those pennies by adding a bogus late fee for two days. They do charge interest based on daily balance ( see attached documents ). I am charging them an overcharge fee of {$250.00}.

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 2016-04-28
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been using lowers ( spelled like that on purpose ) for 21/2 years on a business credit account/w an escrow account on top of that to rebuild my underwater/no equity house. Half way through the project XXXX bank sends me a letter they are lowering my credit from a measly XXXX dollar limit ( I am funding most of this project out of pocket ) to XXXX ( which is just above were my balance currently stands ) with some XXXX excuses about low payments, percentage of balance to credit too high, and account open less than XXXX months. I called XXXX bank about the letter and asked for some real legitimate reasons other than the XXXX they sent in the letter about the credit amount reduction, which the customer service could not supply. I stated they were full of bull, I am paying off the account ( they are not getting any more interest payments out of me ), and rudely told the customer service agent to thank their credit evaluation, decision making team thanks for the service and hung up before before anymore " I am sorry '' spewed from the lips of the customer service agent, and hung up. I have spent roughly {$20000.00} over the past couple of years with these XXXX and this the service and treatment I receive, XXXX '!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Rewards

Complaint:
Two issues. 

1 : on my rewards credit card, I was not accruing points at the amount stated in contract. Took multiple requests for resolution and they only credited a portion. 

2 : when I attempted to redeem points, I could not do so online. Customer service advised that I call in to redeem XXXX points for a {$400.00} credit. I called in and rep messed up the transaction giving me a {$200.00} credit. I was promised a response after the case was opened and no one reached out. After repeated emails, and sharing stated terms of my contract, they will not credit me the {$200.00} difference.

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 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, BK OF AMER add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2016-09-28
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a checking, savings and credit line account through BB & T for the last decade. Recently there were many errors and retaliatory actions that were done to my accounts. These subtle errors by the XXXX, MD team coached by XXXX XXXX was brought to your attention. I originally several times have requested formal arbitration information relating to this. My credit continues to be hurt and no resolve after months. I was told at some point there are repayment arrangements possibly I can enter into as to not hurt my credit further while a resolve/research is done. This being said, I want BB & T to know that during this entire process I have had XXXX from a car crash. I am still treating and XXXX from this car crash that was not my fault. I left in ambulance and have XXXX of dollars in bills, with plenty of documentation to substantiate. This being said I would like to see if I qualify for any medical or hardship related freezes or repayment plans? Repeatedly I have been asking for this and have not gotten any answers. I do not want my credit to be further hurt and want a proper working relationship with BB & T again without XXXX XXXX loose run ship of fools sabotaging my account because they do not like the frequency of my visits. Also XXXX pulled my credit for auto financing that I never authorized, this was never answered either. Errors to credit reporting need fixed. First things first, what can I do to repay the account into good standing while the above research and arbitration matters are resolved? Do you have any medical/hardship related payment plans, given the severity of my car crash and being limited to the amounts, types of work I can do. This medical XXXX has resulted in dramatic losses of income. Please offer me any programs I may be entitled to in writing to my home mailing address on file. Thank you.

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 2015-04-09
Company: Atlantic Recovery Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I talked to them and they said it was for a old account But since I was on the way to work and driving I told them I will call them the next day and this person said " NO you have to call me today " I ended hanging up I was on my way to work and could not hear her I ask my wife to call them and they would not give her the physical address they gave her a po box and did n't want to provide anything alse unless she gave them information about me like birthday and she told them she would not provide any information to someone who will not give her more details about it. I need to know how much and if this is legit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company is overcharging me for interest and fees and refuses to correct problem. 
Interest rate is supposed to be 2.75 % of {$270000.00} of {$630.00} per month and they have been charging me {$1400.00} per month as well as other fees they make up like taxes and insurance that I pay not them and misc. fees they tack on every month. This has been going on since 2009 and they refuse to correct the problem. The company is SPS Select Portfolio Services in Utah. If you look on the internet they have been doing this to XXXX people and no one can do anything about it. If they are not a criminal organization I do n't know what is. The FBI should look into their practices as they are doing this to countless others. I have also paid them close to {$50000.00} in payments through the bankruptcy court and they refuse to give me credit for these payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We gave a purchase money mortgage to XXXX XXXX in XXXX, XXXX for a 15 year fixed rate mortgage with escrow for payment of taxes. The loan was assigned, most recently in or around XXXX, XXXX from XXXX XXXX XXXX XXXX to Select Portfolio Servicing. 
In that same month, the property was offered for an upset tax sale because, without our knowledge, local real estate taxes for XXXX, XXXX and XXXX had not been paid, even though we had made tax escrow payments including through at least XXXX and probably XXXX, XXXX. We are in the process of preventing judicial sale of the property at an expense to us of {$2000.00} for suspected misapplication and or non-payment of taxes by the predecessor of Select Portfolio Servicing , Inc .

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion Credit REPORTINGXXXX-XXXX XXXX # XXXX Should be removed, older than 10 yearsXXXX # XXXX - Should be removed, older than 10 yearsXXXX XXXX XXXX # XXXX Should be taken out od Adverse accounts Paid in full XXXX/XXXX/2015. XXXXXXXX XXXX # XXXX- Should be removed, older than 10 yearsyears ... I have talked with this service on many occasions and beeninformed if they can not get the correct information to resolve an issue they usethe information they have whether it is correct or not. I do n't think this is aresopnsible way to run and affect someones elses life and credit. I think theFTC should should take mandatory reform and make sure the informationthere showing in their files that affect people 's live should be Actual-Factualand if it 's not. It should n't be there. I 'm very disenchanted with all creditreporting agencies and the disrupction they cause. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX # XXXX, Should be removed, older than 10 yearsI have talked with this Agency many times and their philosophy of how they interpet their information leaves something to be desired. The last person I spoke with told me when they check their information sources. The information they receive is published weather it 's correct or not. I do n't think this is advantages to the lives of consumers struggling to correct or repair their credit. I went round and round with this XXXX from Transunion and could not get an intelligent answer from him on how reliable their sources when refuting credible sources of information that now going to post on someones credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted all the paperwork the underwriter requested by XXXX/XXXX/16. I spoke to my contact person weekly every week after because my portal was showing I still needed to provide additional docs. She assured me week after week she checked with underwriting and that they had everything. XXXX XXXX I get a call from someone else asking if I can get hem the info underwriting has been waiting on. My loan closed XXXX XXXX and has still not funded. I called and they said they do n't know when it will fund as they never got an updated payoff for a creditor and it expired on XXXX. Now they are stating they need to rework the numbers and wait on the payoff This was not was I was told from the beginning and I was counting on the funds If my loan was n't delayed from the beginning my loan would have closed sooner and my loan would have funded before the payoff expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
On XXXX XXXX 2016 My Capital One Visa credit card account was charged XXXX by the XXXX XXXX XXXX company located at XXXX XXXX XXXX XXXX XXXX Florida . 
My son used his ( joint ) visa credit card to pay for a cab ride from XXXX to XXXX XXXX XXXX XXXX, a XXXX mile ride. The driver told him he could not print a receipt after he swiped his credit card in their reader machine. 
I alerted Capital One immediately that this charge was fraudulent. They have given me provisional credit twice, and then charged my account back, because the fraudulent party has provided them with a fraudulent receipt. 
I have argued with my credit card company that it is clearly fraud, how could a cab ride cost XXXX? Most likely the short ride cost XXXX. 
They have denied me reimbursement, because the card was swiped which I feel is unfair. They have not protected me from a fraudulent transaction which they claim they offer their customers as a protection benefit. 
Whoever this company is, they do not have any phone numbers, etc. and are most likely preying on students, etc. 

Please let me know if I have any recourse with my credit card company, they have closed my case. 

Capital One case # XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
While applying for a home loan my wife and I noticed a Capital One XXXX XXXX card on her credit. We do not have this card and do not shop there. It has a {$88.00} balance and $ XXXX payment but we did not open this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Byrider Franchising, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from XXXX. Byrider/CNAC Finanace about a year ago. Nine months into the loan, I had a major problem with the vehicle and it was determined that the entire engine had to be replaced. This car had previously been a flood vehicle ( which was never disclosed to me upon purchase ). I returned the car to them and informed them that I no longer want it. The remaining balance of the loan has become a major point of dispute. Since I have explained to them that they will not be receiving any further payments from me, they have harassed myself and my family ( whose numbers they have from my references when I originally purchased the vehicle ) to the extent of upwards 12 calls a day without leaving a message. My biggest problem that I just realized is that they have also been checking my credit score every month for the last three months for the sole purpose to only damage my credit with multiple inquiries. They have absolutely no reason to need to run my credit. I need the harassment to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Now all over a sudden they produce a XXXX merge report with XXXX score now XXXX points lower since yesterday. Unreal. XXXX I 'm speaking of. I noticed that they are not all on the same sheet of music when it becomes to reporting my current good stand revolving accounts. I need an explanation from XXXX on how can I go from XXXX to XXXX in one day with no explanation ... I have made no inquiries and no transactions. This is crazy ... please investigate all XXXX to find out what they are doing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Managing, opening, or closing account

Complaint:
On or about XXXX XXXX, XXXX I contacted Capital One and informed them of a suspected fraudulent charge. The credit card was closed and another issued. On XXXX XXXX, XXXX the fraudulent charge was corrected by company that took money. As of this date I have been attempting to have Capital One correct, adjust the reimburse and credit my card account the amount returned by company and they will not. They say they are investigating, there is nothing to investigate since the money was returned close to two weeks ago. I am unable to use the card or obtain any form of my money. Also, they keep requiring that I provide my social security number and too many entities have the SSN 's of Americans. The SSN was supposed to be a unique identifier, with few privy to that knowledge however, with every body and their brother from XXXX XXXX to the Ice Cream man on the truck with access to this number, how can it be a secret and kept secure?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-19
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CCS collection company calls me all day and night i have told them to stop i do not know what debt or they have not provided any kind of document they are just annoying

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
In XXXX of 2015 i contacted XXXX ( XXXX ) XXXX regarding a credit card i try to see if we can settle but they started to engage in unfair and deceptive collection practices and started to violate the Fair Debt Collections Practices Act and Unfair And Deceptive Acts And Practices ( UDAP ). At that point i had terminate the call the debt collector i was trying to settle with wanted me to secure the payment right there on phone and i stated i did n't want to until the day the funds where available and indicated that i did n't have a card and wanted to mail it in. Once the debt collector realized i was n't going to secure the payment right then she stated that settlement was no longer an option and i could n't mail in the settlement then i became no longer eligible for a settlement at that point she started to violate FDCPA and UDAP for unfair business practices. I also told them numerous amount of times to stop calling the telephone they had on a recorded line they kept continuing to call the cell phone number multiple times and multiple times a day, throughout the course of several months. At this point i am filing a complaint and going to explore further options.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I sent the following message to Capital One on XXXX/XXXX/16 : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. 
On XXXX/XXXX/16, I contacted Capital One with the following message : On XXXX/XXXX/16, I contacted your business with the following message : My name is XXXX XXXX at XXXX, New York, XXXX. My contact number is XXXX. You may reach me by this address or phone number regarding any business matters with you. Under the Fair Debt Collection Practices Act, I will consider any further contact at my place of employment or by others means inconvenient and harassment. On XXXX/XXXX/16, I was contacted by XXXX XXXX a representative of Capital One who ensure I would only be contacted at the means listed above. 

On XXXX/XXXX/16, I was contacted at my place of employment by Capital One by XXXX a representative of your company. Due to continued contact at my place of employment, I will be filing complaints with New York 's Attorney General 's office, the Federal Trade Commission, and the Consumer Financial Protection Bureau. 

I am seeking assistance from your organization to stop harassing phone calls at my place of employment and only contacted by the means I specifically specified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
TransUnion TransUnion 's profile photo XXXX This site/email wants {$1.00} for 7 days then XXXX a month. 
should I try experian for a FREE report

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