BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-15
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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate adjustment of the following erroneous information 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

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: SYNCHRONY FINANCIAL
State: MI
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My credit card acco unt ( PayPal through Synchrony Bank ) is se t up with automatic electronic payment. On  XX/XX/XXXX  an automatic payment of {$3300.00} was transmitted to Synchrony Bank as payment in full on the balance of ou r PayPal acc ount. In  XX/XX/XXXX , the transmission of the  XX/XX/XXXX  payment was documented on the credit card statement. It was also reflected on our Checking account statement. On  XX/XX/XXXX  another entry was made to our  PayPal   credit card statement reversing the {$3300.00} payment, however no such entry appeared on our checking account statement. In  XX/XX/XXXX  we called Synchrony Bank and tried to resolve the issue. They said that our bank took the payment back. We contacted our bank and they said no they did n't. We have made multiple phone calls to Synchrony Bank asking where the money is and have not been able to resolve the problem.  XX/XX/XXXX  I sent a letter with a spreadsheet showing that all the payments have bee n made.I d id receive a letter from Synchrony bank on  XX/XX/XXXX  saying that their records show that the payment to our account was applied twice, so I see another entry on the credit card statement showing the  XX/XX/XXXX  entry ( that was a debit of {$3300.00} originall ly ) h as now been changed to a credit of {$3300.00} and another entry on  XX/XX/XXXX  of {$3300.00}  ( de bit ) was also entered. Out of frustration, we have closed this PayPal account. By changing the debit of {$3300.00} on  XX/XX/XXXX  to a credit of {$3300.00 } ( a lso on  XX/XX/XXXX  ) a double entry has been made. They have netted my payment to  XXXX  with the  XX/XX/XXXX  entry. We do not owe this amount. They need to find where they have put the money. To make matters worse, we have been reported to a collection agency. I have added documents showing we paid the bill, that Synchrony Bank received the payment, and all my monthly statements showing no reversal of the money has been put back in our bank. I have also included the summary showing the bank changed the credit to a debit and then reversed it again  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 2021-07-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Good Afternoon, My bank XXXX XXXX XXXX XXXX, Had been reporting my credit under the wrong social security number, My social ends in XXXX, and they had been reporting under XXXX from around XXXX period. After multiple attempts, we were able to fix this issue and primary credit recording companies were notified such as Experian, and XXXX. They were notified back over last summer and had gone to a less direct route for inquires. After multiple attempts over the year, my credit is not accurate and not allowing me to check my credit. As the regulating agency can you please step in and help me fix this issue. 

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 explanation
Consumer complaint received 2022-02-18
Company: SYNCHRONY FINANCIAL
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I wanted to return an item from a XXXX seller but they just ignored me! No response on returning this item. Heavy XXXX retrictions casused the purchase items to not be useable. XXXX will not listen to me an refund and or charge back the item I have in dispute! {$330.00} XX/XX/2021 XXXXSynchrony Bank

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 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 received a letter dated XXXX XXXX, 2017 from XXXX XXXX stating it is holding me responsible for the accounts that were opened up as a result of identity theft under my name and social security number. <P/>The reason for they are holding me responsible are as follows : statements were not mailed back, a phone number that does n't belong to me is mine they are claiming and my license number was used on a XXXX and XXXX contract. <P/>I have done my own research for the last six months and my findings are quite different. I called XXXX XXXX to see who the XXXX number belongs to and they said it did n't belong to XXXX XXXX XXXX and there is nothing linking me to that number despite XXXX XXXX XXXX claim that it is in fact my number when it is n't. <P/>Secondly, they said there is a XXXX rental that used my license number to rent a car and when I called XXXX at their corporate number and gave them my license number and date of the alleged rental, they state there was no such rental on that specific date using my license number or name despite XXXX XXXX 's claim that it was in fact me. <P/>Third, they say statements were not mailed back and I can not control the mail or give a reason why statements were not mailed back. <P/>I called over to the XXXX XXXX department that is handling this claim and spoke to XXXX XXXX and her response was basically you 're going to pay this debt regardless if it belongs to you or not. I understand their company has done an internal investigation, but their findings are inaccurate and they are refusing to guide me through this process and removing it off of my credit report. <P/>I never had an account with this company. <P/>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 2023-01-26
Company: Experian Information Solutions Inc.
State: NJ
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:
This is the second time that I discovered that some of the information on my credit report was incorrect. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2021-07-31
Company: LEXISNEXIS
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Mrs XXXX thank you for your response but Im not happy that your office did not send me proper notification via US mail stating that you needed verification of proof normally and per the FCRA you are to send a written letter to my home address indicating that you need specific information but I received nothing is why I file a CFPB complaint this is a violation of the FCRA I got your first requested letter in the mail saying that I needed to go onto your company website to submitted information to get a copy of my Lexius nexus report and thats what I did.I been sitting here waiting for 3 to 4 weeks now. I have enclosed the information via email via the CFPB Portal. Also I challenge you that you are reporting in accurate information on a bankruptcy chapter XXXX on my public record file about the file number! What I need from you is a certified statement writing from the clerk of court that you spoke with the clerk to verify this information. Per the clerk of court they do not provide information to 3rd party or any of the credit bureaus. Also this information must be on the US bankruptcy court letterhead. I also requested of you again to freeze my lEXIS-NEXIS credit report since I cant get a copy of my credit file and the negative information that is reporting on me. All information must be 100 % accurate. Please delete the public record from my credit file immediately. I have sent you what you asked for now I asked the same of you.ms XXXX I have enclosed another copy of my Identification along with a big white envelope that states LEXIS-NEXIS at the top showing that you did send me the information but there was no indication that you needed identification so typically this is a failure to respond on your behalf XXXX  XXXX  XXXX  states that they got the public record information from you is how I know that you are reporting and furnishingIn accurate information please be respectful and send me all the information requested thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Pendrick Capital Partners Holding, LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original charge was for ambulance services provided by  XXXX  on  XX/XX/XXXX , taking my father,  XXXX   XXXX , from his   XXXX   XXXX   facility   to a hospital after a   XXXX   XXXX  . The service was incorrectly coded, so  XXXX  denied payment. Therefore, direct payment was arranged with  XXXX  to pay the bill of {$700.00} ), first on 5 recurring payments from  XX/XX/XXXX  of {$63.00} each ( totaling {$310.00} ) and  one  final payment on  XX/XX/XXXX , in the amount of {$380.00}, bringing the total paid to {$700.00}. As a side note,  XXXX   XXXX  passed away  XX/XX/XXXX .     At some point after full payment was made,  XXXX  passed information on this charge to a collections agency (  XXXX   XXXX   XXXX   ,   XXXX  - an affiliate of  Pendrick Capital Partners,  LLC ), who attempted to bill my mother,  XXXX   XXXX  ( who is  XXXX   years old and requ ires my assistance for her financial affairs ), for a total of {$690.00}. I contacted  XXXX  by phone, who stated the account was paid in full, and the collections was a mistake. I contacted   XXXX   by letter, showing proof of payments made. On  XX/XX/XXXX ,  XXXX  replied acknowledging the dispute letter, and stated they had ceased collection of the account pending investigation of dispute. Nothing was ever heard from them again.     In  XX/XX/XXXX , another affiliate of  Pendrick Capital ,  Affiliate Asset Solutions LLC, wro te to my mother demanding payment of {$690.00}, without any acknowledgement of the previous dispute or proof that the payment was not owed. Fascinatingly, they changed the date of service for the ambulance from  XX/XX/XXXX  to  XX/XX/XXXX . No service was provided on  XX/XX/XXXX . They did not acknowledge the patient / consumer,  XXXX   XXXX , had passed away. My response was to send the entire package of proof of payments in full to  XXXX , along with copies of the letters received and sent to  XXXX . I received no acknowledgement of this package.     Yesterday  (  XX/XX/XXXX  ) I re ceived ANOTHER letter from  Affiliate Asset Solutions , this time offering my mother a " discount '' of {$240.00}, demanding a payment of {$450.00}, which was due the date the letter was received in the mail. There is no acknowledgement of the previous disputes, proof, or death of the actual consumer of the original ambulance service. Today I have downloaded your template letter demanding they cease to contact my mother about the debt ; attaching the entire package I keep sending them proving the debt did not ever exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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:
To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX XXXX XXXX XXXX XXXX XX/XX/2016 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 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This program did not offer the correct issue for this problem. This credit card had a XXXX balance for two years and by mistake I posted a payment that should have gone to my electric co. 

In XX/XX/XXXX we had paid off a XXXX/Capital One credit card # XXXX XXXX XXXX XXXX. I have documentation of that Card being paid off in full. I kept the vendor active within my ON-Line banking " pay bills '', I did not inactivate the account. 

In XX/XX/XXXX I received a XXXX XXXX ( electric ) bill for XXXX, I thought I sent the payment electronically to XXXX XXXX until I noticed a few days later, I incorrectly sent the payment to XXXX/Capital One, as P was right after N in my online billing. As soon as I noticed, I called my Bank ( XXXX XXXX ). They said to contact the vendor ( Capital One ). Capital One and XXXX  have dissolved as partners and my account no longer exists. I've written two letters with all the attachments, I've spoke to Capital One a total of 5 times since XXXX with no resolution, no help. I have the bank transaction of Capital One taking my XXXX, I can also prove that I had to pay XXXX XXXX within the next two days the sum of {$400.00}. I have the bill. I just want my money reimbursed from Capital One. I had got this dispute elevated to Monetary Research and no one has contacted me either written or by phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have had the WORST experience with SWBC and more specifically, XXXX XXXX. 

I contacted XXXX and her team in XX/XX/XXXX. After 9 months of having to email her multiple times starting in XXXX of XXXX, I've had the last straw. She's run my personal credit report three times ( the last of which she didn't even tell me about ), allowed my appraisal report to expire, and not listened to what I've asked for. Today she finally told me, in XX/XX/XXXX, that she won't do my loan. 

The only way I got her to respond after emailing her several times was by emailing her employees. I have provided what they've asked for time and time again and she drug this process out for 9 months. I've had to make changes the last few months which have changed my financial position which is why I contacted SWBC back in XX/XX/XXXX. 

She is the most unprofessional, unhelpful employee in your company and I will be sure to let everyone else know to steer clear of XXXX and SWBC. In the meantime, this delay has caused me a lot of time and money and the ability to refinance my property. 


XXXX XXXX XXXX Loan XXXX SWBC Mortgage XXXX cell XXXX office XXXX XXXX XXXXXXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
My vehicle has been determined as a total loss by my insurance company. A payment has been  sent to Santander Consumer USA to apply to the auto loan balance. But, there is still a balance owed. I called Santander to inquire if I may hav e my loan payments reamortized based on the remaining lower balance. The representative I spoke with said he is unable to assist me and there is no one for me to speak with and that I must wait to receive a letter or a phone call regarding the remaining balance and payments due on my loan.     I would like to continue making payments on the loan until the balance is paid in full. But, I can not afford the current monthly payment. I would like a modification of my auto loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A couple of months ago I went in to pay my bills I saw a credit card that was not mine. It had a XXXX balance, but it even had a payment history! 

I called Wells Fargo which is the bank I do business with and they said this was a mistake, but that there had been a cash advance and it has been paid back. 

I dont know if this cash advance was taken from my funds. 

Anyway, Wells Fargo sent me XXXX letters issued on the same day. XXXX said that the outcome of their investigation concluded that I had been responsible for opening that account. ( What? ) And the XXXX  letter what is a personal identity fraud kit.

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 2021-03-13
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/XXXX, Citi generated a letter to me that they were closing my card, ending XXXX, for no recent use ( in the past 12 months ). I do not recall the date the letter was received other than it was in XX/XX/XXXX. Today, XX/XX/XXXX, I spoke with a representative of Citi Cards who first told me they have the right to close the account without warning, and who also told me they could reopen the account. However, when we started to reopen the account, he was asking the same questions that a new account holder would go through. Thus, they wanted me to reapply, which would include a credit check. 

I have had this account with Citi since XXXX. In that time, I have built the credit line up to over {$30000.00}. This card is my oldest account and closing it will have a dramatic and negative impact on my personal credit reports with all 3 of the credit bureaus. 

In addition, I was provided with no notice whatsoever to allow me the opportunity to use the card by a certain deadline. XXXX Card just sent me a notice about my account with them that I would need to use the card by a date in XX/XX/XXXX, or the account would be closed. 

I believe the arbitrary closing of my Citi account was purposely done to require a new credit report and application. This should not be allowed. Citi regularly pulls and reviews my credit report, as evidenced when I review my credit reports on XXXX. In addition, I have a second Citi card due to my Costco membership. Thus, they review my report twice each month, once per card. 

At the very least, Citi should provide a deadline to use the card or risk closure. If Citi is going to fall back on the credit card agreement, I want and demand a copy of all the credit card agreements to see if this was ever contained in any of the agreements, and when it was changed. Even if it is in the agreement, this should not be allowed as it negatively impacts consumers credit, which is so hard to build and maintain. 

Citi should be forced to reopen my account, with the same credit line, and without a new application. Citi, being a major bank and knowing how closing a credit line will impact it's customer, should be fined and penalized for this unconscionable practice.

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 2021-01-15
Company: EQUIFAX, INC.
State: TX
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:
SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY XXXX XXXX PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX XXXX AND EQUIFAX XXXX AND XXXX, XXXX AND XXXX DOES NOT REPORT.

Company response to consumer: Closed with explanation