BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Re : XXXX XXXX account # XXXX XXXX XXXX XXXX Synchrony bank Please note that all the below references are incorrectly charge as items have been return to XXXX an XXXX records show that refund credit to store card herein, But my account with you are still debit a copy of this email will be sent in writing to : Synchrony bank XXXX XXXX XXXX XXXX FL XXXX As well to the XXXX XXXX XXXX and Federal Trade commissionXXXX 

On XX/XX/XXXX ref # XXXX was transacted for {$84.00} Per XXXX : Return complete Your return is complete. Your refund has been issued. 
When will I get my refund? 
A refund will appear on your bank account or credit card statement within the next 7 days. 
You've already requested a return of this item Refund issued Solar Panel License Plate Frame Rear... 
{$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX ** but I am still being charged for this purchased. 

Next item error charge for is Reference # XXXX Pyle Dash can review mirror charge of {$110.00} You've already requested a return of this item Refund issued {$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX But I am still being charge for such item*** Next error charge is for reference # XXXX Introducing Blink Video Doorbell + Sync... 
Color : Black You've already requested a return of this item Refund issued {$59.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX, XXXX Next error is reference # XXXX Item stocking stuffer the unique thing about this order it was cancel by seller and your still charging me for it Return received A refund will appear on your original payment method in XXXX business days. 
When will I get my refund? 
Your package is returning to XXXX because of one of the following reasons : Damaged in-transit, carrier could not locate your address, or refused by the recipient. 

Last item reference # XXXX Smart Video Doorbell,2.8 inch TFT LCD... 
You've already requested a return of this item RefunXXXX issued {$36.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/XXXX Unable to load image Solar Panel License Plate Frame Rear... 
You've already requested a return of this item Refund issued {$110.00} refund issued on XX/XX/XXXX. 
Return received on : XX/XX/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 2023-09-01
Company: Experian Information Solutions Inc.
State: TX
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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2021-07-25
Company: EQUIFAX, INC.
State: TX
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:
Hello I sent a letter regarding inaccurate and unknown things on my credit report to this day over 75 days ago on XX/XX/2021. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every day and it has been over 75 days so they should be deleted promptly. The accounts, credit reporting and items in question are inaccurate and incorrect and should not be on my credit report because they are not accurate and do not reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I took it upon my self to follow the FDCPA laws and FCRA laws by sending all incorrect and damaging report to all the creditors and collections agency a Validation letter. None of the only 2 account complied with and sent a letter to remove the accounts of my credit report. I created a packet to all 3 major credit report bureaus showing evidence of all letter send and dates ( which I waited the complied 30 days gap ) advising them to remove and all accounts listed in the letters sent to all creditors and collection agencies. it has been more than 45 days and non have been removed. I also confirmed that all 3 mayor credit bureau have received the packets sent by me. I have tried to exercise my rights has its stated in the FDCPA and FCRA and non of which have complied with not even a letter or a call to fix my credit.

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 2021-07-24
Company: Experian Information Solutions Inc.
State: TN
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 disputed inaccurate and incomplete information regarding an account number. I also requested a description of the procedure used to determine the accuracy and completeness of the information from XXXX. I have not received it, and after 3 months XXXX  is still reporting inaccurate and incomplete information. On XX/XX/2021 I received a response from XXXX  stated the reinvestigation of a creditor was accurate. According to the FCRA, if I have requested how it was investigated, I am supposed to receive that information. 

Experian has been reporting companies on my file that violated the Hippa law and is reporting my medical information as proof of validation. 

Experian, XXXX and XXXX  has inaccurate and incomplete information regarding account number. The numbers are covered with ****and according the to FRCA the account numbers should be full disclosure

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 2023-04-02
Company: Bread Financial Holdings, Inc.
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My XXXX XXXX Account is closed at my request and the interest fees fluctuate and has increased which defeats the purpose of closing the account to pay it off and keep it closed once paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: Experian Information Solutions Inc.
State: NJ
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:
Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your 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 2017-05-05
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In   XXXX   XXXX   XXXX     I refinanced my home with Nationstar mortgage  ( See  attached loan closure document ) to lower my payments from {$2600.00}. At this time I had an escrow account balance of {$10000.00} which was to be transferred over to the new loan. After the refinance my mortgage payments were to be {$2200.00}  XXXX   XXXX   XXXX    XXXX   statement ). I made these payments for  XXXX ,  XXXX , and  XXXX .     In  XXXX  I received a letter that my  XXXX  payment had not been received. I called to inquire as to what happened as my bank account had been debited. I was told that I had an escrow shortage of approximately of {$9500.00} which was due to them having to pay my taxes and me not having enough money in my escrow account to cover the costs and that my new payment was {$3000.00}. I explained to them there must have been a mistake and questioned them as to what happened to the money in my escrow account. They said they would look into it and get back to me but it looked like it was used for loan fees.     After further investigation it was discovered that Nationstar 's escrow department had made a mistake and paid for my taxes twice. As a result they were demanding that I still pay the additional {$800.00} in fees until the tax company could return the over-payment. I refused and came to an agreement that I would only pay an additional {$61.00} per month until the over payment could be returned.     The tax companies have refunded the over-payment and now I have requested to have my escrow account closed because of how they handled this situation. I was sent a denial letter and I have been told during a follow up phone conversation that I can not close my escrow account because of a RESPA law that states I must have the loan 12 months before I can close my escrow account. I have researched the RESPA law and have not been able to find anything that prevents me from closing out the escrow account.      ( See attachment entitled Nationstar escrow dilema for further details. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: AL
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt is inaccurate. Its been over 90 days and no response back from the bureaus.

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 2023-01-25
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:
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. 

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX 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 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 2020-10-02
Company: EQUIFAX, INC.
State: TN
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 DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 DISPUTED THESE ACCOUNTS MANY TIMES YET TO NOT HEAR A WORD OF WHATS GOING ON THIS MY LIFE AND THIS MESS HAS HURT MY BUSINESS AND LIFE

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 2023-05-04
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: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA 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 XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-07-26
Company: Law Offices of Robert J. Colclough, III
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
from XXXX, collection company is trying to collect for an amount ~XXXX ... the collection letters do not give me any information about what the bill is for ... no doctor name, no medical procedure code ... 
i paid my out-of-pocket maximum with XXXX  in XXXX ... 
i tried to contact the collection company for information but they were not cooperative ... 
i did my due diligence, contacting hospitals and getting confirmation from them that i do not owe them any money ... 
i sent such letter explaining this to collection agency with no reply from them ... 

i feel that this is illegal business practice, and am very angry now because this company has affected my credit rating ... how they have legal right to do so? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX creditor account no : XXXX collection account no : XXXX amount due ( with interest ) XXXX note : i am at new address now ... the address of the collection letter sent to was my previous apartment : XXXX XXXX XXXX XXXX XXXX  ca 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 2023-09-19
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section XXXX. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2018-05-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
MY name is XXXX XXXX I recently received a call from a blocked number from a female claiming that she is trying to deliver a package to My son XXXX XXXX. My phone number is XXXX. 
The female said the package needed a signature for delivery. 
I wrote the information down and sent a text to my XXXX XXXX XXXX. See attached. 
My son received the information and called them it turned out it was not a delivery service it was XXXX XXXX XXXX. They were trying to collect on a Wells Fargo account that is out of Statute! They also told my son that because he asked for a statemnt back in 2012 that it reactived the account and started the statute of limitations all over again

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 2017-05-06
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I just received again a foreclosure notice from  XXXX   XXXX ,  XXXX  today  XXXX   XXXX ,  XXXX . The Trustee has scheduled the foreclosure sale for  XXXX   XXXX ,  XXXX .     On  XXXX   XXXX ,  XXXX , I called my dedicated loan specialist,  XXXX   XXXX  to check on the status of my HAMP Loan Modification I applied for in  XXXX . She returned my call but left me a message with her phone number which I already have and another phone number. She did not address the message I left for her on her voice mail.     In  XXXX  of  XXXX  she told me that my  HAMP Loan Modification with Nationstar is over because The HAMP Loan Modification Program deadline w as  XXXX   XXXX ,  XXXX . I disputed her claim because the program deadline did not apply to me as I have already applied for the modification in  XXXX . I also told her the deadline was for those who were yet to apply for the program. So, Nationanstar has unilaterally resolved to stop the process to modify my loan and closed the  HAMP Loan  Modification I applied for in  XXXX . According to the  HAMP Loan Modification Program guidelines Nationstar can not just unilaterally res olve the loan modification and sweep it under the rug ; it has to be bilaterally resolved. Their decisions were based on botched modifications and out right refusal to modify the loan. They never made any conscientious effort to modify the loan. Their main objective is simply to foreclose. Since they took charge of my loan modification almost six years ago they have been giving me the runaround, asked for the same documents over and over again and never utilized them to modify the loan. Also, they have engaged in lies and deceptions. They have been playing hardball with me over and over again ever since.     The  XXXX   XXXX   XXXX , said that a copy of the advertisement of the sale published in  XXXX   XXXX   XXXX  is enclosed in this letter and that is not true.

Company response to consumer: Closed with explanation