BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-03
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Re : Syncrony Bank/Amazon credit card ending in XXXX HELP!! 
In XXXX of XXXX, I inadvertently pushed the button twice and made duplicate payments to my Amazon account in the amount of XXXX. 
One of the two payments was rejected by Synchrony and credited back to my checking account by XXXX XXXX XXXXXXXX ( Page 1 ). 
Subsequently, over the last year and a half, this XXXX has been credited, and been credited and debited from my Synchrony account numerous times. Not having computer statements accessible prior to XXXX, I can only estimate this happened 2 or 3 times prior to the information I am enclosing. 
XXXX statements I could access show a credit of XXXX on XX/XX/XXXX ( page 2 ), A correction on XX/XX/XXXX of XXXX ( page 3 ), a credit of XXXX on XX/XX/XXXX ( page 4 ), and finally a correction on XX/XX/XXXX of XXXX. It seems to start getting muddied up in XXXX when they start calling the XXXX a promotional purchase ( page 6 ). 
Since the onset of this dilemma, I have spoken with a number of Synchrony employees in various positions of authority. Each seems to interpret what they see on there computer screen differently. I have also sent statements ( registered mail ) verifying payment. 
Lastly, on the advice of my banker, we tried to coordinate a 3-way call in an attempt to have my banker give them proof of payment. The answer we were given was that only the XXXX XXXX department could handle such an issue. I was informed that I would be contacted by said department within the next 7 - 10 business days.nothing. I called again and was told 2 letters had been postednothing. 
All my attempts have been fruitless. I am hoping that with your authority, a resolution might be possible. 

Thanking you in advance, 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 monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: AZ
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:
this account has already been reported and deleted from my account due to unable to be verified. by law this account needs to be removed within 30 days. I have proof as well I am send with this attached. I have already disputed and Experian removed it. I don't know why they decided to bring it back, that is against the my credit consumer law. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) - Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.

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 2022-11-21
Company: Experian Information Solutions Inc.
State: KY
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 account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX ; account # XXXX Has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crime which antedates the report by more than 7 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 have reasonable cause to believe 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 explanation
Consumer complaint received 2022-10-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was accepted into the Florida homeowner assistance program back in XXXX. Supposedly the state of Florida sent out my first mortgage check on sept. XXXX to XXXX bank. XXXX bank claims they have never received anything but the state of Florida insist that the bank is holding up the check because they sent it to the correct address. Neither the state or XXXX bank are being helpful in tracking down these federal funds that were allocated to help homeowners like me. I have called the state and XXXX times and the state of Florida swears they have sent a check on XXXX and XXXX on XXXX to a XXXX XXXX XXXX XXXX, Ohio. XXXX bank has no way to check if they have received them or they arent accepting them, they dont care to help me and only want the payment made, they dont care to help track down mail with payments that has been sent to them. XXXX probably threw it out. I have no way to hold either party accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Self Financial Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
SELF FINANCIAL INC / LEAd-Account 's Date Opened : XX/XX/2021 -- XX/XX/2021 ( XXXX and XXXX ) XXXX Account High Balance/Original Balance : {$520.00} -- {$520.00} I have sent in my accurate up to date info and FTC report and police report my personal information was used to obtain this fraudulent account, I have been fighting to get this removed from my report because it is. fraudulent and there is no verifying evidence to legal attach this to my report. I have also sent in multiple disputes to have this item removed and I feel like my request want been heard. please do a full investigation on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
I opened a CapitalOne Venture XXXX account on XX/XX/2022, which charges a {$390.00} annual fee. In exchange for that annual fee, CapitalOne and its partner companyXXXX XXXX, market this card as providing insurance coverage in the event of accidental damage to a rental car purchased with the CapitalOne Venture XXXX card. 

I rented a car in XX/XX/2022 through XXXX and experienced minor accidental damage resulting in a charge of {$250.00}. I initially submitted a claim to XXXX electronically on XX/XX/2022, claim # XXXX. After nearly 2 months, I had not heard back from XXXX card benefit services, and only after calling them ( and waiting on hold for cumulatively over an hour ) did they acknowledge the claim and were unable to provide a rationalle for the delay in processing, falsely claiming they required additional information. The 'additional information ' they required was the estimate of damage, which I clearly submitted initially on XX/XX/2022. 

XXXX provides inappropriately poor customer service coverage, resulting in excessive and unreasonable wait times. VISA card benefit services failed to read the paperwork I submitted with this claim on XX/XX/2022, thus delaying my claim process indefinitely without any notification to me. Had I not reached out to VISA after 2 months, VISA would not have processed this claim. XXXX has been in possession of all required documentation to process this claim for 2 months and has yet to properly pay out the claim as contractually obligated under the CapitalOne XXXX XXXX sales agreement. 

Both CapitalOne and XXXX refuse to provide remuneration. I feel that CapitalOne and XXXX have violated the sales agreement under which I purchased credit card services. I paid the {$390.00} annual fee in full upfront in XX/XX/2022 when I opened the account, and in exchange, CapitalOne assured me I would be provided with a rental car accidental damage waiver which VISA does not honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: ALLY FINANCIAL INC.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have initiated several transfers from XXXX XXXX XXXX from my joint banking account with Ally Bank. This has been an ongoing situation since XXXX, and I keep getting the run around from both banks. I have called several times and completed all requested inquiries to try and receive the funds back to the joint account. I have worked with over a dozen representatives at Ally bank, finally working with a lady who had directed me to file this complaint to receive the funds back. The lady at XXXX XXXX said the ACH department is doing an investigation and is not getting a response from Ally bank. I was given the following unique transaction codes from XXXX at XXXX XXXX which I then relayed over to Ally Bank, who then, in turn, keeps telling me that this is a XXXX XXXX XXXX problem. They are the ones holding the fund for {$9500.00}.

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 2022-11-29
Company: EQUIFAX, INC.
State: CA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: FIRST ADVANTAGE CORPORATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have called numerous times in which it is hard to get a hold of the company taking over an hour to reach someone. I had filed a dispute on XX/XX/XXXX with the company for a criminal background check including negative information over XXXX XXXX XXXX. They did not send anything via mail or email, regarding the opened the dispute. They also never informed me the dispute was finished within 5 days. I had called back XX/XX/XXXX to make sure there was a dispute filed and they said there was one and completed. Nothing was changed and I specified the right to not have anything negative reported over 7 years under the FCRA and they are to uphold that. They told me the employer asked for lifetime criminal background which is against my consumer rights. I opened another dispute with the background check onXX/XX/2023. I did not receive any email or letter saying a dispute was in progress at that time either. I called again XX/XX/ to see about the new dispute and again they said it was completed. Nothing was changed again. I advised them violating my consumer rights with the FCRA and the company just keeps hanging the phone up on me with no resolution. On the background check they have a search period of 7 years but still included arrests and convictions past that date. They also included the summary of rights and violated those rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: PR
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:
Since 2016 I've been trying to validate with Experian the Public record XXXX XXXX th posted in my credit report. Ive made several complaints through this portal, also I sent several certificate letters but as of today they havent sent me the evidence that accounts belong to me. Experian obtained that information from ( Third party vendor ) XXXX. I have contacted XXXX. They sent my consumer disclosure report which shows clearly that I dont have any bankruptcy in my records. Also, I contact U.S Court XXXX XXXX and sent me a letter expressing that any local or federal court does not report or give any kind of information to the Credit Bureau or anyone else. However, theyre still reporting it. The law says that if the validity can not be verified, then, Experian is obligated by law to remove the item. I have repeatedly asked for evidence to support their report, any documentation, name of the person ( s ) that they contacted, address method of verification and still have failed to me. Fair Credit Reporting act provides concurrent jurisdiction in Federal and states courts to use the courts as needed to enforce my rights under the FCRA. I also understand that Experian is acting discriminatory against me, although Im an American citizen that lives in XXXX XXXX instead of living in the states. Because of that Im planning to fill a lawsuit against Experian for violating the FCRA 611 ( a ) ( 7 ) To avoid extreme cost in lawyers and payments and violation damages by {$2000.00}. I am making a final goodwill attempt to have you clear up this matter. Otherwise, I will use this complaint for evidence in court showing that I've tried several times to clear up this matter before going to court and sue for my rights as a consumer.

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 2021-07-07
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Account XXXX. I believe it was reporting in error. 
XXXX  XXXX XXXX Balanced Owed : {$0.00}

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 2022-09-26
Company: Experian Information Solutions Inc.
State: PA
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'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX*Balance : {$180.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}

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 2023-12-13
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
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:
I sent a letter to the Credit Bureaus on XX/XX/XXXX to remove the Accounts and information that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove and block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. Please remove the following items off of my Credit File : XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXXXXXX Balance : {$0.00} APPLIED BANK XXXX Balance : {$380.00} ONEMAIN XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXXXXXX Balance : {$250.00} XXXX XXXX BANK XXXX XXXX : {$350.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX XXXX  XXXX Balance : {$0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have already reported this fraudulent activity to the appropriate authorities and provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me extreme frustration and financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-21
Company: NATIONSTAR MORTGAGE LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We purchased a new home from XXXX XXXX in XXXX of 2013. They have their own lender and we used XXXX XXXX Mortgage. They sold our loan to Nationstar Mortgage about 5 months later. Our closing documents show that a portion of our payment into escrow would go towards paying property taxes. 
We are currently trying to refinance our mortgage and we are unable to because we have been told that Nationstar has not been paying our property taxes to XXXX county. I have tried to find out what has been going on with Nationstar and I 'm getting the run around, being told that we are tax " exempt '' I have no idea where they could have gotten that information. Our original loan was sold and I feel there is a violation of RESPA within that transaction.

Company response to consumer: Closed with explanation