BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-07
Company: Ray Skillman Northeast Buick GMC Truck Inc
State: IN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XX/XX/XXXX I went into agreement with Ray Skillman Northeast Buick Gmc with a Retail Installment Contract and Security Agreement for family and household purposes. My vehicle got repossessed in XX/XX/XXXX. XX/XX/XXXX Payment was sent through USPS money order with an accepted offer of the credits for valuable consideration for {$1900.00} to XXXX XXXX XXXX via certified Mail and was delivered XX/XX/XXXX. XX/XX/XXXX I sent a Notice of Rescission and an Affidavit of my right to rescind as a Consumer via certified mail. Which will be received tomorrow XX/XX/XXXX. I have reason to believe that both parties willingly and knowingly took advantage of me any consumer credit, while Ray Skillman Northeast Buick GMC failed to clearly & conspicuously disclose my right to recscind.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CONTRACT CALLERS INC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted this company Contract Callers Inc of Georgia about an entry on my credit report. I sent this company several letters which they received. I disputed the entry and asked Contract Callers inc to validate the debt by sending me proof that i owe them this debt and that they owe the debt they were trying to collect on. Contract callers inc never responded. In fact contract callers Inc marked my debt as paid. I never had a contract with this company, I never paid a dime to this company. This company has violated my right on many levels. Failure to provide validation of debt, illegal entry on 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 2020-10-15
Company: SYNCHRONY FINANCIAL
State: CA
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 have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

XXXX  XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX  XXXX XXXX  -- XX/XX/XXXX XXXX   XXXX  XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX  XXXX -- XX/XX/XXXX XXXX   XXXX -- XX/XX/XXXX XXXX/XXXX  -- XX/XX/XXXX XXXX  OF XXXX -- XX/XX/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 2022-02-07
Company: BARCLAYS BANK DELAWARE
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 applied for a card from Barclays bank and was denied. They didn't even pull my credit to consider my application. They sent me a letter claiming I used to have an account with them that was charged off, but that isn't true. I pay all my cards in full and have always done so.

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 2022-02-07
Company: Bread Financial Holdings, Inc.
State: WI
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:
In XX/XX/XXXX I closed my XXXX XXXX Credit Card due to Comenity charging me interest on a disputed amount of {$810.00} even though multiple customer service representatives told me there would be no interest on that amount while it is in dispute. I provide documentation from the hotel that the disputed amount was credited to the card in XX/XX/XXXX. Comenity still has the charge on my credit card and is still charging me interest and now late fees on that amount. I called Comenity in XXXX and XXXX to discuss this and each month the customer service representative provided me an amount to pay to avoid any further fees or interest and each month I paid it for the sake of my credit score. It is now XX/XX/XXXX and I am done continuously paying interest that I do not owe. On XX/XX/XXXX, a customer service representative told me she would waive the {$30.00} late fee if I make a payment of {$33.00}, this makes no sense considering the only amount owed on the card is the amount in dispute and the interest and late fees they are continuing to charge me. I have been misled month after month to continue paying fees to Comenity. This is not a fair business practice! No matter how many times I call to speak with someone at the management level, I simply get transferred to another department only to be told to talk to someone in customer service, and therefore, this problem just continues to go on and on. I want to be done with this awful credit card issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-23
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since the XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been trying to close my Macy 's online account as well as cancel the actual Macy's/American Express credit card for over three months. My desire to close this Platinum account started when my card was lost/stolen and I requested that Macy 's issue a new card. After over two months of contacting Customer Service and calling and writing numerous times, I have yet to receive a new card from Macy 's. However, Macy 's ( card issued by Department Stores National Bank ) took it upon themselves to put a new credit card account number on my online account without me ever receiving a replacement card or knowing the full account number, expiration date, or security code. It is like someone else has control of my identity. I have written Macy 's executive offices twice and received a letter back ( no return call or email ) for which they took no responsibility for my dilemma, dismissed my concerns, and again told me to contact Customer Service. They say in order for me to resolve anything, I must provide my full SSN on the telephone to one of their Customer Service staff, for whom I have no trust or confidence. 

I have been paying my 0 % interest balance via this new account and I am not sure if this is really legit either. I feel like I am caught between a rock and a hard place. 
I would immediately pay the balance if I can receive a FINAL bill and some type of confirmation of the full account details. FYI, I earned Platinum status using the initial credit card that was deemed lost or stolen. Macy 's has since changed that status to Bronze without any record or documentation. 

At this point, all I want is for Macy 's to send me a FINAL bill, close/shut down my online account completely ( there is no way for me to do this myself ), and show proof that the credit card established in my name is cancelled and no other card is created in my name. I want my personal information to be totally dissolved from Macy 's records as I have no confidence in doing business with them ever again. 

I must add that five or more years ago, I had a Platinum account with Macy 's and they changed my address without my knowledge. I vowed then that I would never establish a relationship with them again ; but went against my own conviction. This time, when this situation is adequately resolved. I will no longer do business with Macy 's. This has truly been a mental and financial ordeal. 

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 explanation
Consumer complaint received 2022-02-07
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is not a duplicate complaint, please DO NOT CLOSE IT. 

I have called the company multiple times regarding the incorrect 2021 IRS Tax Form 1098 as attached. Fay Servicing reported incorrect EIN to the IRS. I have provided them with the correct EIN and the W9, however, the company still has not resolved my problem despite all the promises. I am afraid of the late tax filing to IRS. The current EIN ending in 9770 is incorrect. See attached correct W9 for 25 High Investor LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Sometime in 2009, my mortgage was with SunTrust and my monthly payments increased due to rising insurance costs. I requested a loan modification and was told I had to be in the foreclosure process in order to be considered for the modification program. So I asked the operator what other suggestions she had as I could not afford the monthly payments. Eventually I fell behind, I was granted the modification. Only, my monthly payment difference was a minuscule change. I can not remember exact amounts. I was given a subordinate mortgage to cover late fees, interest and lawyer fees for the foreclosure process. I am curious to know how they arrived at the {$17000.00} amount for this loan. XXXX XXXX is the servicer now and can not provide the details, as they do not have it. I have requested the information from SunTrust three times to no avail. The loan modification was totally unfair as I fell into the foreclosure process AGAIN the following year. Attorney fees were only {$1200.00}. I also went to court for the matter and not one of your reps appeared ... .only to find out later my file was sold XXXX times and starting the loan modification process all over again and have another {$40000.00} added to my loan amount.

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 2022-07-09
Company: SLM CORPORATION
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
The borrower initially reached out to the Loan Servicer ( Sallie Mae ) in XXXX 2022, requesting a co-signer release. Borrower has fulfilled the requirements stipulated by Sallie Mae : 1- Submit a signed and fully completed application. 
2- Be old enough to enter a legally-binding contract in your state of residence. 
3- Be a permanent resident at the time you submit the request. 
4- Provide proof of income. 
5- Be current on all Sallie Mae-serviced loans at the time of application review and have not been 30 or more days past due within the last 12 months. 
6- Demonstrate a satisfactory payment history on the loan ( s ) requested by pre-paying an amount equal to the required 12 principal and interest payments or by making the required 12 on-time principal and interest payments. 
7-Have had no student loan ( s ) in a hardship forbearance or modified repayment program for the 12 months before you apply. 
8-Demonstrate the ability to assume full responsibility for repayment of the loan ( XXXX ). 

Borrower has requested the co-signer release 3 times - XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each of these times, the request has been denied, even when the borrower complies with all the requirements established by Sallie-Mae to release the co-signer. 

Co-Signer has contacted Sallie-Mae multiple times via the Chat Feature of their website, and each time he has contacted the loan servicer, they provide different information, with the last communication mentioning the following : " Unfortunately, we could not approve the request because the borrower did not meet our eligibility requirements. You will remain equally liable for the Current Balance of the loan. In order to protect the borrowers private information, we are unable to provide the specific decline reason ( s ) to you. We encourage you to speak with the borrower for the specific reason ( s ) as to why the request was declined. The borrower can request a reconsideration. '' The co-signer is authorized to communicate with the loan servicer to know the status of the application of the co-signer release, which was submitted by the borrower. Sallie-Mae mentions that information on the application can not be communicated to the co-signer, even when the co-signer provided financial and personal information to initially process the loan. Therefore, the loan servicer is not complying with providing adequate information to the co-signer and the borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
In XX/XX/XXXXI called the number on my CD documents to determine the amount still in the CD. The last transaction was in XX/XX/XXXX. I was transferred many many times and could not get an answer. Eventually I was informed by phone that the records could not be located. I called the local consumer news advocate who also spoke with US Bank. Then, in XX/XX/XXXX I received a written letter that there was no information regarding my CD, it must have closed. My CD has not closed, I purchased three CD 's at the same time int he same amount. I used 2 fully and withdrew {$1100.00} from this CD in XX/XX/XXXX, afterwards, it kept renewing, as it had been. Now, I can not get any information about the CD.

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 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
All Students loans were Paid-In-Full with XXXX back in XXXX XXXX Credit Bureau still shows a balance of $ XXXX. I demand to have to correct balance reflected as XXXX $ Immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a mortgage statement and to my surprize it said, that I had not made any payments since XX/XX/XXXX. I paid all my mortgage payments on time every month usually for more then was due that went into a suspence account, that is now heavy with funds. I ordered the canceled checks from the bank and found that they were cashed for three months XXXX, XXXX and XX/XX/XXXX They were cashed in there perspective months, but only put in my account this week in XX/XX/XXXX except for XX/XX/XXXX that was put into someone else 's account per back of the check. My payments for XXXX, XXXX and XX/XX/XXXX have not cleared the bank and the mortgage company said, because they filed for forecloser that they may not accept the 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 2022-02-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
To whom it May concern : The situation is the following, my synchrony bank crate and barrel credit card limit was decrease from {$9200.00} to {$3500.00} in the date of XX/XX/2022. 
I did received a letter XX/XX/2022 giving me information about it. 
But the reasons presented are meaningless. 

The balance of the card is more than 30 % but is not even half of the credit limit. 

I have never made a late payment and I have always paid more than the minimum monthly amount And finally I found disrespectful after spending so much time with your bank card that they reduce the limit to a lower amount than when I opened the account. 

I asked for information by phone the date of XX/XX/2022 but no solution was given to me from your customer service. 

I respectfully request that you reconsider the action taken. 



Regards.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
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:
Upon reviewing my credit report, I notice accounts on my report that do not belong to me, nor have I authorized anyone to obtain these accounts. 
XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$85.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I requested from each creditor a complete validation which includes the original contract with my signature on it. According to the FDCPA section 809 for validation. 
The creditors did not provide such documentation. The creditors are as follows, XXXX account no. XXXX .... 
XXXX account no. XXXX .... 
XXXX  account no. XXXX ..... 
XXXX XXXX account no. XXXX .... 
XXXXXXXX XXXX account no. XXXX .... 

furthermore according to the FCRA 15 usc section 602A i have the right to privacy all collectors did not abide by this law and 15 use section 604A section 2 states a consumer reporting agency can not report without my written instructions.

this was also violated

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 2022-02-07
Company: FORD MOTOR CREDIT CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Ford Credit XXXX XXXX XXXX, XXXX, XXXX XXXX ATTN : DISPUTE /CLIENT RESOLUTION SPECIALIST RE : ADVERSE ACTION DATED XX/XX/XXXX Recently, I, XXXX : XXXX, was denied an extension of credit by Ford Credit. On, XX/XX/XXXX, I applied for financing secured by the property ( XXXX FORD XXXX ) to be purchased from XXXX Ford , Inc. 

As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S. Code 1691 ( c ) and you assume civil liability pursuant 15 U.S. Code 1691 ( k ). Ford Credit has violated my federally protected consumer rights : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 Since the letter you sent me dated XX/XX/XXXX is both a proof and evidence that I have been discriminated against, you are also criminally liable. Ford Credit should resort to reasonable procedures to rectify this affair and compensate me for the use of my Social Security Number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: JPMORGAN CHASE & CO.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: EQUIFAX, INC.
State: CA
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:
I requested from each creditor a complete validation which includes the original contract with my signature on it. According to the FDCPA section 809 for validation. 
The creditors did not provide such documentation. The creditors are as follows, XXXX account no. XXXX .... 
XXXX account no. XXXX .... 
XXXX account no. XXXX ..... 
XXXX XXXX account no. XXXX .... 
XXXX XXXX account no. XXXX .... 

furthermore according to the FCRA 15 usc section 602A i have the right to privacy all collectors did not abide by this law and 15 use section 604A section 2 states a consumer reporting agency can not report without my written instructions.

this was also violated

Company response to consumer: Closed with explanation