BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: SYNCHRONY FINANCIAL
State: GA
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:
I am an Amazon XXXX  Store Card holder which is financed through Synchrony Bank. I pay my current balance, which is always higher than the statement balance because it reflects purchases made after the statement close, in FULL every month. Today my current balance was {$390.00}. I paid it in full but thought it was a bit high so I decided to go through all my purchases since my last payment on XX/XX/XXXX which XXXX  out my account. I added up all the charges and the total came to {$310.00}, a difference of {$85.00}. I called customer service. The first agent I spoke to called herself XXXX. XXXX put me on hold for 25 minutes and then disconnected the call. I called back and got a man called XXXX. XXXX attempted say that the charges on my current bill included purchases from early XXXX. I totaled up the purchases for XXXX he was referring to, the sum of which amounted to the total payment I made in XXXX which XXXX  out my account. XXXX also hung up on me because he couldnt explain the extra amount on my bill. I called back a third time and got XXXX, who sounded suspiciously like XXXX and even had the same background noise of roosters crowing. XXXX tried to convince me that part of my current statement is attributed to purchases made in XXXX. Again, I pay the bill in full every month. The only charges on my bill made after my last full payment on XX/XX/XXXX totaled to {$310.00}. Synchrony/Amazon has charged me an additional {$85.00} which they can not account for and their customer service speaks volumes as to the level of thievery they have achieved, undoubtedly with other customers as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am complaining about XXXX XXXX XXXX. They reported late payment on my credit report consistently even when I told them that I am in dispute with the school on the amount since I withdrew from school and their action single-handedly destroyed my credit report, lowered my credit score to the point that at the moment everything I am trying to do to get ahead in my life after a family event of my my wife getting sick and I had to even resign my job to primarily care for her is impossible. Before them my credit score was about XXXX and they by their action reduced my credit score to about 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 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for TransUnion XXXX and XXXX to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. 

This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX late/XXXX XXXX late/XXXX OK /XXXX 60 late and XX/XX/XXXX late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.

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 2023-10-16
Company: EQUIFAX, INC.
State: FL
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:
This is the several times I've complained about some erroneous accounts in my report. You must correct these accounts that were opened without my knowledge, consent, or authority within 4 business days.These accounts are damaging my file and needs to be updated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: Sequium Asset Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt collector is attempting to add {$400.00} of fees in a 2-3 week period for a {$100.00} debt. There was no prior or legal agreement with their company that allows them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, 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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: CA
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 requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Experian Information Solutions Inc.
State: HI
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:
There was an issue with report where XXXX XXXX reviewed my account and recorded calls. I made payment on my account within the30 days and XXXX XXXX reported late. This was an error because payment was made on time. Also there has been issues where I transfer pmt from my checking to my credit and wells fargo reverses the pmt. This causes issues and risk my account being delinquent when XXXX was arranged on time. 

It looks like the issue was resolved with XXXX but XXXX and experian still is reporting as late and that's not accurate for XX/XX/2023 pmt reporting.

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 2022-10-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for the mortgage on XX/XX/XXXX. Over the past two months, I have provided all of the documentation that USAA has requested and more. At every turn, they come back and say they are unable to approve my mortgage for one reason or another. I problem solve, come up with a solution, submit additional documentation and they repeatedly find new reasons to deny the mortgage. I have paid one extension fee of {$550.00}, tried escalating to a manager and I am still getting the run around. The most recent reason they have provided is that I do not have enough money in reserves. The documentation I have provided shows that I clearly have enough money in reserves. I am hoping by filing this complaint, that the CFPB can look into this and determine if USAA handled things appropriately,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan was transferred to Specialized loan Servicing in XX/XX/XXXX XXXX. from XXXX XXXX . SLS was to start accepting payments after XX/XX/XXXX XXXX XXXX approved me for a Flex Modification trial plan XX/XX/XXXX Payments were to begin XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. After the transfer SLS would not honor the trial flex modification. XX/XX/XXXX i traveled to XXXX for my brothers wedding. I did not return to the states until XX/XX/XXXX. A modification was mailed to my home. A relative who was checking on my house while i was away mailed the packet to me. The modification was dated XX/XX/XXXX. I wanted to accept but i had difficulty getting to the US embassy in time to get in notarized. I did call SLS to explain my situation. However SLS was unwilling to extend the deadline. When i came back to the states i saw a HUD housing counselor. A financial packet was sent to SLS on XX/XX/XXXX via usps 2-3 mail. That modification request was denied because SLS states that a trial plan was previously offered and failed. I never had a trial plan with SLS

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 2023-10-16
Company: EQUIFAX, INC.
State: TX
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. 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 any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-01
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is with SLS Mortgage Company. 

In XXXX, I was sentenced to XXXX years in XXXX My husband ( primary mortgage holder ) XXXX  me I deeded the house over to him in XXXX. He was suppose to refinance and take my name ( co-borrower ) of the mortgage. He never did. It is my understanding a loan modification happened in XXXX, yet I never signed a document. He got ill and passed away in XXXX. Mortgage payments were missed. He left the house to our XXXX sons and his mother XXXX XXXX was the executor of the estate. She was only the XXXX  was XXXX mos. in XXXX, however, continued to contact and negotiate with SLS as if she had the authority to do so. I was not aware of any situation. I was released from XXXX  XX/XX/XXXX. XX/XX/XXXX, she informed me that SLS stopped taking our mortgage payments but yet did not get me involve or tell me how bad the situation was. Around XXXX, she informed me and told me I needed to handle the situation with SLS. To do this day, SLS does not communicate with me or send paperwork the my address which is the property in question. I have filed many loan applications, and complied with their request to be told it was denied to paperwork. SLS has dealt with an individual who no authority to do so. This mortgage is under my name and social security, I have shown desire to keep the home as my income is more than enough to cover the monthly mortgage payment. SLS repeatedly has had the wrong information, repeatedly not contacted me, the person whose credit this affecting and as of XX/XX/XXXX, the sole owner of the home. 

I feel SLS uses unethical practices and my XXXX of being XXXX and not being in communication with SLS at the fault of SLS has now put myself and my XXXX children has being homeless.

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 2023-01-11
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:
I am filing this complaint on Equifax because this agency has ignored my dispute I sent to them on two different occasions in regards to 9 accounts from the same creditor that are violating my privacy and hipaa laws without my authorized hipaa release form consent. XXXX was the only other agency reporting 8 of the accounts and XXXX has deleted the items. I dont know why Equifax refuses to delete the disputed items when they have been put on notice twice. 

XX/XX/XXXX i sent Equifax a dispute expressing that a hipaa release form was never signed or authorized for XXXX XXXX XXXX XXXX to acquire my private medical information. 

XX/XX/XXXX i also sent XXXX XXXX XXXX XXXX a letter in regards to the 9 accounts they are reporting. Tracking XXXX XX/XX/XXXX XXXX XXXX recieved my letter. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XX/XX/XXXX XXXX Deleted the last remaining account on my XXXX file. 


I have yet to receive any results from equifax or a response from XXXX XXXX till this day. 

To my understanding once a modification has been made with XXXX reporting agency, they are required to send the results to not only the furnisher of information but also to notify all other consumer reporting agencies on a nationwide basis. Why hasnt equifax complied by deleting the same items being reported after receiving notice from transunion of the carbon copies. 

XX/XX/XXXX I got a updated report from myequifax website and to my surprise these items are still reporting. I have given Equifax the respectfully time to conduct and investigation properly. If they conducted a investigation properly then they would know that these items should have been deleted a long time. And if they didnt conduct a investigation then equifax is in violation for failing to investigate and reinvestigate items I brought to there attention on two different occasions. if you take a look at my recent XX/XX/XXXX report you will also notice that equifax is not even reporting account numbers on some of the items. if the account numbers are reporting then its very clear that the accounts could not be verified. Equifax knows there policy but refuses to comply to federal and state regulations. 
I can not get Equifax attention and now I am asking for your help to settle this on going matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Sequium Asset Solutions, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had an account with XXXX XXXX Acc : XXXX from XXXX to XXXX which I later ended because my apt building was providing free internet. After some time, XX/XX/XXXX, I had a slow connection in the apt building so I opted to get my own router from XXXX  and reactivate my old account which was already connected to my phone app and mobile. This I directly stated to the XXXX  representative. a few days later the internet connection with the XXXX  router was not any better and so I called XXXX  to deactivate my account and I decided to go back to the apt internet. At this time I did not know that they had assigned me a new Acc XXXX. I kept checking my mobile XXXX  app that continued to show that I had XXXX balance to pay. I did not receive any email or mail from XXXX informing me of any outstanding bills apart from the non solicited advertising mails/emails. I did not receive any communication from Sequium regarding any outstanding bills. Recently I checked my credit score and I realized it had gone down by XXXX and it was due to unpaid bill from XXXX  as posted by Sequium. I contacted XXXX  who initially told me I had XXXX balance and on my 3rd attempt to get answers, that's when I was informed they had 2 accounts under my name. I have paid the bill XXXX {$170.00} ) and returned their equipment. My attempts to explain my case to Sequium have been unsuccessful. 
I feel I was treated unfairly by both XXXX  and Sequium and I am wondering why there was no free communication if this is not an act of fraud. In addition, I specifically informed the XXXX  representative that I was reactivating my old account. If by error they assigned a new account without educating me as their customer, why didn't they send me an email or give me a call to clarify this. In addition, why didn't sequium contact me about the debt before posting a negative report on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC
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:
My personal information was compromised. After reviewing my credit report it is apparent to me that someone has accessed my information to apply for an apartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Fair Collections and Out ) Balance Owed : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a Personal Information Update request via XXXX XXXX to Experian. Experian corrected my address but did not correct my name. My name remains incorrect on my profile. I then called and spoke with an agent of Experian that claims It cant be updated because a creditor is reporting that name and I must call them and have them update my name first. I stated that the name on my profile is incorrect and can possibly cause fraud or identity theft. By law they have to correct incorrect variations of my name. I also provided government issued identification with my correct name spelling. Experian is known for not updating incorrect information. I knew it was going to be an issue to show my name correctly.

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 2021-07-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent {$15000.00} in XX/XX/2021 to my family. But my family didnt receive the money yet, I dont why. My bank told me the money will be arrive within three to five business days, but its a month ago and noting changed. I dont have any criminal records and other bad background. I was just trying to help my poor family. I still dont know what to do and who to contact.

Company response to consumer: Closed with explanation