BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-10
Company: SYNCHRONY FINANCIAL
State: DC
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:
This refers to my account with CareCredit / Synchrony Bank. 

In early and XXXX, I paid off my open balance completely according to my online banking and which can be seen below : https : XXXX And payment dates from my XXXX XXXX account : https : XXXX I was later surprised to learn they had still added a finance charge. I was never notified there was an additional balance, and only saw it was reported late on my XXXX  credit monitoring a few months later. 

When I called Synchrony and complained, they apologized and removed the past due balance, and submitted it for dispute internally. On XXXX/XXXX/2020 I received a letter back from Synchrony stating that it was 'reporting accurately '. 

I've written them a reply demanding they remove this late payment status, and update it to 'Pays on Time ' as I had been making ALL of my payments on time, and had paid off the account entirely per above. 

If additional finance charges were accruing, it should have been stated in the Account Balance. I feel misled and abused as a customer, and this is not ok. I'm working very hard to build up my credit ( the biggest reason I paid off the account ) so it's not fair to me as a consumer to add insult to injury by not only adding additional balance to my account, but then to inaccurately report this to the credit bureaus as 'late '. 

I feel this is a violation of The Fair Credit Reporting Act, 15 U.S.C. 1681 and needs to be immediately removed. If this is not removed, I will very likely file a lawsuit to have this inaccurate negative remark removed from my credit history. 

Hopefully you can help intervene here as this is an unfair practice and I would have at least appreciated a phone call from them letting me know before reporting me. I received NO statements or TEXTS even though I'm signed up for SMS alerts. 

XXXX XXXX XXXX Please see what you can do here to help resolve this matter. 

Thank you, 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 non-monetary relief
Consumer complaint received 2018-04-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I began this process in XX/XX/XXXX. We are currently in XX/XX/XXXX. That is 28 months now. I feel like I am being stonewalled and they keep asking and asking and asking and asking for documentation that I feel I have already provided and which should be obvious for them to find by looking at the tax returns which I have already provided. I really would like this thing to wrap up as 28 months is a long time to wait and every month that this doesn't get done it is ruining my credit and making it difficult to impossible to conduct normal business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to file a complaint against XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX, as well as the three credit reporting agencies for not accurately reporting information, even after they were provided proof. 
This account is years old, it originated from a XXXX Credit Card that went into collections. Last year ( 2020 ) I had a wage garnishment set in place by XXXX XX/XX/XXXX XXXX XXXX ( located in Arizona ), through XXXX, that took 30 % of my check, leaving me with {$700.00} every 2 weeks to live on for a total of a 6 week period. The total due at the time was {$860.00}. As of XX/XX/2020 that garnishment was completed. Reference Case ID XXXX. 

Since then my account in collections has been increasing by {$2.00} every month, which I have reported as inaccurate to XX/XX/XXXX, Transunion, and XX/XX/XXXX To which XXXX XX/XX/XXXXXXXX sent me a letter stating my debt was a valid debt, EVEN THOUGH it was 100 % paid off as of XXXX of 2020. The credit agencies refuse to take this account off my report and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX are acting fraudulently by reporting I have not paid anything AND INCREASING my total debt due 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 2021-01-10
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Never received a call back after calling the number on credit report. This debt is from XXXX I have insurance and the secondary covered what my insurance XXXX didnt cover so Im not sure why Im being billed for amounts insurance already covered there agreed upon amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-20
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: Personal information incorrect

Complaint:
Incorrect information 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 non-monetary relief
Consumer complaint received 2021-01-10
Company: Experian Information Solutions Inc.
State: AZ
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 recently reviewed my Credit Report and noticed there were items that were added/opened under my name during the time I was on Military Leave. These items do not belong to me, I did not open these accounts or had any prior knowledge of them being open. I have disputed these items with the company and got a XXXX  response.

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 2023-12-20
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX XXXX double charged me. Secured e mail Navy Federal credit Union. They send me directions on how to correct it. Didn't correct it nor investigate the transaction after sending them images of the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 confidentially under 15 USC 1681. 

XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy! 5 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 USC 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 2021-05-23
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection. 
I can prove to you that the debt buyer XXXX XXXX XXXX has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I call they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit.

I've complained to all 3 Major credit bureaus with no luck.

I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.

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 2023-01-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle was repossessed by Wellsfargo. I was charged fees associated with the repossession and this was reported negatively 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 2023-06-06
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-10-20
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife and I run a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have a checking account at Mountain America Credit Union ( MACU ). A check for {$250.00} that was mailed at the post office on XX/XX/2023 to our accountant was intercepted in the mail and " washed '' and deposited into a fraudsters account for {$16000.00} on XX/XX/2023. I noticed the bad check the next time I was logged in to manage the account which was 13 days after it was posted to the account. I immediately notified the police and the credit union. MACU has taken the position that unless I report a bad check within one day of it posting to the account, they take no responsibility for paying my money to a fraudster. This is absurd. I have a business to run and don't log in to check my account every single day. I have spoken with other banks and credit unions in my area and have been told that they do not have this policy so it appears that MACU is out of line with the industry here and throwing their members who are victims of fraud under the bus. As of XX/XX/2023 I have been trying to get an update on the case from MACU. I have left 4 voice mails and an email over the last couple of weeks for the person in the fraud department handling the case and have received no response. This very frustrating and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a line of credit with the company quite a bit of months back. The employee at the time set me up for autopay. I agreed and they charged me twice a month to pay the premium. I decided months later to stop the auto-pay and did so through their website. They charged me again, without permission, the next cycle. I called the company and the employee hung up on me and when I called a second time, I was immediately placed on hold. When I finally told them what the issue was and that I wanted a refund, she stated that its in my contract that I have to pay by auto eft. I double checked and the contract explicity states that once I stop the auto eft, that they can not go in my account and just take the money. I did not know this on the phone, I checked after my call with her. She offered no other way to fix the situation. I immediately called my bank and set up a dispute with them. I could not do a stop payment because they are not in my banks database. They have since continued to automatically charge my account without my permission. The second to last time they did it, I called them again and asked to have my card number completely removed from their files. The employee on the phone said that he can do that, I was not offered this solution with the first employee I spoke to. He said he deleted my information and that I can pay on my own then. Just recently they charged my account again. I had to dispute the charge again as it adversely affected my finances for that account. At this point, I'm looking into filing a complaint with the fraud department of my bank and also with any government agencies that monitor shady businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a complaint against Equifax, Equifax Internal Department, this complaint I am making specific to a worker in this department that I respect I will not say her name, but I have such bad luck that this lady is the one who answers my phone and tells me some things that are outside the federal law of fair credit. I am a victim of identity theft and to the lady I tell her to dispute the accounts for fraud, which has been done many times, but she does not have the power or work in the senate or in the court where laws are made to tell me that she does not intend to dispute anything else, it is more she tells me those accounts are her own belongs to her because there are evidences that are mine, I want to say something, when one is robbed of the identity the person who does it does so perfect that everything indicates that it is your account, I know that that to you. It does not matter to you because it is not your problem but it is mine and very important, because you have no idea what I suffer from this situation, so I ask prudently, but you will not intimidate me by telling me that and I will not be forced just because you say that I have to accept these accounts that do not belong to me. If I have to dispute 100 times, I will, if I have to go with a claim to Equifax I will. 

Below are the accounts that I will dispute ; I will also upload the letters, the FTC report and my documents. 

1- XXXX XXXX # XXXX  2-XXXX XXXX # XXXX  3-XXXX XXXX # XXXX  4-XXXX XXXX XXXX # XXXX 5- XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Continental Finance Company, LLC
State: PA
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:
XXXX XXXX XXXX sent debt management proposal in XX/XX/XXXX and it was accepted by XXXX XXXX and XXXX has made consistent monthly payments on my behalf. I found that late fees were being still charged and interest rate had not been reduced. I alerted XXXX who contacted XXXX XXXX and faxed proposal again in XX/XX/XXXX. Late fees were waived but then they began to reappear and XXXX XXXX stated an XXXX payment was missed though XXXX faxed the cashed check they had sent to XXXX XXXX. After proposal was faxed multiple times as confirmed by XXXX most recent call on XX/XX/XXXX XXXX claims they still have received no proposal and continue to add fees and interest.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Apparently I have always had this issue about someone XXXX for me or someone acting like they're managing my account or anything that overview and my Social Security anything with my information which is probably my my my family my parents and they're not allowed to do this and I had an issue with this and I still have an issue with this and the other thing is that people are made using my social

Company response to consumer: Closed with explanation