BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a 24 month payment for {$1900.00} with paypal with a 3 % interest rate. When I made the purchase paypal told me that I would need to make 24 equal monthly payments to complete the purchase. A few months later I made a 6month deferred interest purchase of {$900.00}. When making I made payments that exceeded the amount needed for 24 equal payment and added extra that would payup the defered interest charge such that it would be paid off in 3 months. On checking my statements I notice that paypal was not applying the payments as expected. Most of the payments over the minimum ( structured payment + {$27.00} ) were allocated to the structured payment plan and not to the defered interest purchase. Essentially after 2 months only {$54.00} was allocated to the defered interest and the rest to the structured payment. I called paypal and they informed me that I need to all every month for them to allocate the payments accordingly. This is pretty deceptive since its not made clear during the purchase that if one has other plans with the company then then the payments need to be adjusted every month.

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 2022-03-25
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/XXXX I notified American Express over the phone that I was a victim of identity theft and there was an unauthorized transaction on my credit card statement. I was instructed to submit a written statement by fax, which I did, and call back to initiate a fraud claim. I contacted the Fraud Department on XX/XX/XXXX to ensure they had received my paperwork and to initiate a fraud claim. I spoke to XXXX in the Fraud Department, and he confirmed that they had received the documents, initiated a fraud claim, and provided me with Case Number : XXXX. He stated that a credit will be applied in 14 days. I did not receive my credit so I called for an update, and I was told that I would have a resolution by XX/XX/XXXX. When I called for an update, they stated that the case has been resolved on behalf of myself, that they removed the charge, and that a credit will be applied. I called again XX/XX/XXXX when the credit still had not been applied and they stated that they were going to reopen the case, would have final resolution by XX/XX/XXXX, and that someone will call me in 48 hours with an update. No one called. 
XX/XX/XXXX, I spoke to them again and they ensured me that I would have a resolution by XX/XX/XXXX and that someone would call me with an update in 48 hours. No one called. 
As a loyal customer and victim of identity theft, I feel that I am being treated unfairly by American Express and its employees. For three months I have been instructed to give them more time and promised final resolution dates that they never follow through with. They already resolved the case and granted the claim on my behalf but keep pushing me off when I am asking for my credit to be applied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-29
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX XXXX XXXX XXXX XXXX, they shut down and I could n't get my degree. Was contacted by a group called XXXX XXXX about getting my student loans dismissed. Paid them close to {$900.00} for their services. I am getting bills from Navient regarding my student loans. Tried to make contact with XXXX XXXX, but seems like they are being sued and their phones are n't working.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX, ACCT # XXXX, is being reported on my credit report. Under Section 604 15 U.S. Code 1681 B, it states none of the credit bureaus have the right to report anything on my credit report. 15 U.S. Code 1692 states that upon any disputed item on a consumers credit report, the debt collector shall cease collection of the debt, or any disputed portion thereof. Therefore, this is in violation! According to 15 US Code 681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This collection, by law, MUST be DELETED from my credit report 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 non-monetary relief
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-11
Company: WELLS FARGO & COMPANY
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
The check was sent to me by XXXX XXXX company after my house burned down that I received in my divorce in XXXX 2018 and my house was then burned during the hurricane that came through XXXX XXXX North Carolina in 2018 and burned to the ground and I used the insurance check to pay off the morgage since it was gone and the morgage was still in my mine and my ex-wife names and had to settled Since the divorce was finalized and I was given the home in XXXX XXXX, NC and what was left over which was {$40000.00} which was to be sent to me by Wells Fargo which I've been trying to get sent to me through a wire to my bank or mailed to my mailing address which is XXXX XXXX XXXX XXXX, NC XXXX and my name is 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 explanation
Consumer complaint received 2023-03-11
Company: Bridgecrest Acceptance Corporation
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bridgecrest loan. Traded XXXX XXXX. XXXX for XXXX XXXX XXXX. Loan for both cars with Bridgecrest but loan for XXXX still shows on credit report making it appear as if I owe XXXX total but it should be ard XXXX. Need this corrected

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 see below has violated my rights. 
Acct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  XXXX  XXXX  Acct XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct 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 non-monetary relief
Consumer complaint received 2018-08-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2018, I authorized Sun Trust Mortgage to charge on my credit card for a real estate appraisal to be performed at their direction. This was required for a mortgage application process to move forward. The appraisal fee was itemized to cost {$500.00}. 

On XX/XX/2018 the appraisal was performed by XXXX XXXX XXXX and completed and signed on XX/XX/2018. Shortly thereafter, I received the appraisal package from Sun Trust Mortgage. In the package was an invoice for the appraisal from XXXXXX/XX/XXXX. The Invoice was for {$450.00}. 

On XX/XX/2018 I spoke with my Sun Trust Mortgage Loan Officer, XXXX XXXX. I asked Mr. XXXX why I was charged {$500.00} for the appraisal which was invoiced at {$450.00}. I specifically asked if any additional services were provided to justify marking up the appraisal cost. Mr. XXXX apologetically said a mistake had been made. He said he thought the appraisal would cost {$500.00} and that I was overcharged. He clearly said the {$55.00} overcharge would be returned as a credit on my card. 

The {$55.00} overcharge was never returned as promised. When I withheld the {$55.00} from my credit card, Sun Trust Mortgage refused to acknowledge the appraisal mark up, refused to acknowledge the mistake, and demanded full payment.

To reiterate, Sun Trust Mortgage marked up the cost of the appraisal and did not disclose it. When exposed, Mr. XXXX apologized and promised to make a refund, and then reneged on promise. Then Sun Trust refused to acknowledge any of this ever happened. Now they want to keep the undisclosed and most questionable mark up.

The absolute proof of the truth of this claim can be found can be found in Sun Trust Mortgage 's recorded phone calls as they claim to record all telephone conversations. Incredible.

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 2022-03-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-10-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-11
Company: EQUIFAX, 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 DEPT OF ED / 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 2022-12-29
Company: EQUIFAX, INC.
State: OH
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 am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity stolen. Please comply with the law and help me resolve this matter at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion is determined to continue to report inaccuracies even after I provide proof of their error time after time. 
Am I correct to state that All credit bureaus receive their information from the same reporting places? 
How can one report not show the account but the other two does?

TransUnion continues to report an account on my credit file which is XXXX I sent them a letter back in XXXX of this year XXXX, stating to them that they were reporting a negative account In error and that XXXX is not reporting that account at all. I provided documentation of such. I also pointed out to them that there were inaccuracies on the account. They went in and corrected their reporting by way of the errors I pointed out in my letter which I also have attached. I have attached the report with the error on it as well as the current report they sent with the correction on it to show the error I pointed out. If the last payment was made in XX/XX/XXXX, how was the account in good/current status on XX/XX/XXXX? They did not provide me any documentation showing who provided that information to them. They did not provide me a signed contract bearing my name to show that account belong to me. I have asked for this information numerous times and all they do is reply back that the account is verified as accurate and has been updated If they do not provide me with the proper means of verification with your help, I will file a complaint with the Federal Trade Commission ( FTC ). 
That same statement of verified as accurate and account updated but no documentation or proof of who verified will no longer be accepted when I have pointed out their error in reporting numerous times. Please ensure that this account gets actually investigated properly. 
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 non-monetary relief
Consumer complaint received 2022-02-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
TD BANK, fraudulently opened a checking account in my name. They sent me a letter notifiying me that the could not access my personal history because my credit was frozen. The next day I receive a XXXX XXXX card in my name with instructions on how to activate it. I looked at my XXXX XXXX company and there was an alert stating someone opened an account in my name. I filed a case with the XXXX XXXX XXXX Case # XXXX. I am awaiting a call back from them. I tried to call TD bank, but no one answers the phone at XXXX XXXX XXXX. I am not filing a fraud report with the XXXX XXXX Sheriffs office located in XXXX, NY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
SIRS, HAVE BEEN SENDING VARIOUS COMPLAINTS ABOUT THE TOTAL IN CORRECT INFORMATION IN MY CREDIT FILE! 
FRAUDULENT ACCOUNTS BELONGING TO ANOTHER XXXX XXXX ARE BEING REPORTED IN MY CREDIT FILE.I HAVE FILED AN FTC REPORT XXXX XXXX 
FRAUDULENT ACCOUNTS AS FOLLOWS LISTED ON FTC REPORT! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT NOT MINE, UNATHORIZED! 
PLS BLOCK ALL THESE FRAUDULENT ACCOUNT, FTC RULES AND REGULATIONS.

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 2023-12-18
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2023, I received an American Express prepaid card in the amount of {$50.00}. I immediately tried to use the card to make a purchase on XXXX, and the charge was declined by AmEx. I then tried to use it to order groceries through XXXX and it was also declined. I tried to use it to make a purchase on XXXX and it was declined a third time. When I looked at the account online, I saw that AmEx had allowed a XXXX pending charge for all three merchants to show that it was a legitimate card number, but then they declined the actual charge with no reason stated. In all three cases, my prepaid card was more than sufficient to cover the purchase I was trying to make. 

I contacted AmEx customer service to see if I was doing something wrong, and I was given the unhelpful response that AmEx " declines some purchases to prevent fraud. '' Well it seems to me that they are the ones committing fraud if they are selling these prepaid cards and not allowing them to be used anywhere! I asked where I could use the card and the customer service representative could not tell me a single store that would accept it, just that I needed to " keep trying different places. '' I thought that was a fairly ridiculous response so I XXXX and found that lots of other people have had the same issue and could never get their AmEx prepaid card to work online. I thought I might have better luck trying it in-store, so I added the card to my XXXX wallet and tried to pay for a small purchase using the app at checkout, and once again got the message that AmEx declined the charge. 

If I can't use this prepaid card online and I can't use it in a store, where exactly can I use it? I feel that American Express is committing fraud by taking money for these cards that can never be used anywhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-26
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am not aware of an account listed by ARS Account Resolutions to my credit report. ARS ACCOUNT RESOLUTIONS has reported  XXXX as a collection balance I am requestion debt validation. Please provide a copy of the contract of this account, Proof that you are legally approved to collect on this account and The account balance details to me as required by the FCRA within the 30 day required time line

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