BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-04
Company: SYNCHRONY FINANCIAL
State: VA
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:
On XX/XX/XXXX We made a purchase for {$1300.00} at Lowes store number XXXX in XXXX XXXX Virginia using our Lowes Credit card. As the sale was being finalized and the Lowes credit card had been swiped the store 's computer went down which prevented the store form printing a receipt. When the system came back up there was no record of the sale in the stores computer so no receipt was able to be printed. A manager called card services and he was assured that the charge would not post and if it did it would be removed. Based on that call the store re-rang the purchase and we processed the Lowes card for the identical amount of {$1300.00}. On XX/XX/XXXX the both charges appeared on our statement despite the assurances that only one charge was going to be processed. 

We called the credit card company and disputed the charge on XX/XX/XXXX. On XX/XX/XXXX we received an automatic stating that our dispute had been resolved on XX/XX/XXXX without any detail. We opened the email on XX/XX/XXXX and immediately checked the account only to see the charge was still showing. After ~2 hours on the phone and being transferred around to multiple people how could not/ would not help I was placed in contact with XXXX XXXX She realized that the original dispute had been entered incorrectly and therefore closed incorrectly. She re-opened the case with clear notes as to the facts and assured us that no interest would accrue on the charge while it is in dispute. 

On XX/XX/XXXX, we called Synchrony Bank for a status update. After only being told that the charge is being disputed I asked to speak to a manager. the Manger said that Synchrony Bank does not credit accounts and that they have to wait for Lowe 's to process a credit. I had to push to understand if they even had reached out to Lowe 's to get this resolved. to which he said that they had reached on on XX/XX/XXXX. two weeks after I called. The bank could not say what they were actively doing to resolve this. The statements say to dispute charges we have but then they do nothing to actually get resolution. 

Simultaneous with the above efforts I have reached out to the Lowes store we made the purchase at to see if they will help. Unfortunately the Managers on duty do not call back and when we have spoken to the customer service desk they point us to the credit card company. 



Desired Resolution : the Duplicate charge removed from my account with no accrued interest owed.

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 2023-02-01
Company: EQUIFAX, INC.
State: MA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: PNC Bank N.A.
State: PA
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:
In XXXX, XXXX I made a mistake paying XXXX $ XXXX  to a co. With my pnc credit card I believed I owed payment, I did not realize it was not owed. The amounts did not go to my account, paid nothing. PNC credit card Co was contacted and it was talked about many times with reps and managers of PNC. One manager realized that their were no payment and gave me credit for XX/XX/XXXX and XXXX XXXXthe XXXX  payments that were mistakenly paid .they put XXXX  XXXX $ payment back into my checking, where it was paid threw, then put XXXX  XXXX $ payments back on my credit card .saying that we owed XXXX $ to cover payments.we do not know what the fees and payment are for .PNC can not show us what was paid. They will not do any background checks on my account. To show them what I am talking about. I have called local branch told only PNC credit card can change anything. We tried to escilate but a manager shut us down. We are out XXXX $ that pnc took and will not re turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Maximus Education, LLC dba Aidvantage
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:
XXXX is reporting that I did not pay student loans in XXXX. During this time there was a mandatory hold on student loans as a result of Covid-19. Furthermore, my loans are all on deferment as I was and currently am enrolled in school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several negative entries on my credit report that I believe are in violation of the Fair Credit Reporting Act. The following accounts have been reported as charged off, late payment or collection accounts : XXXX XXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX late payment account XXXX XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXXXXXX charge off account XXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX XXXX XXXXXXXX collection account XXXX XXXXXXXX collection account I believe that these entries are inaccurate and unfair, and I request that they be removed from my credit report immediately. I have made every effort to pay my debts on time and maintain a good credit score, but I have been faced with unexpected financial difficulties that have impacted my ability to make payments on these accounts. 

I understand that it is the responsibility of the credit reporting agencies to ensure the accuracy of the information they report, and I ask that they do so in this case. I also remind you that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate information on their credit reports, and to have that information corrected or removed. 

I respectfully request that you investigate the accuracy of the negative entries on my credit report and remove any items that are inaccurate or in violation of the law. If you find that any of the entries are indeed inaccurate or unfair, please remove them from my credit report immediately. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-02-21
Company: GB Collects, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I received a letter sent to my home address from GB Collects, ostensibly located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, claiming that I owe XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} for an invoice dated XXXX XXXX, 2023 ( one week ago ). ( See attached letter. ) In her letter, XXXX XXXX XXXX of GB Collects states, " After repeated requests, we have not heard from you regarding the above delinquent balance of {$120.00}. '' I have never heard from anyone at GB Collects on any matter before and XXXX XXXX XXXX has an automated service that no one answers when I attempted to call them regarding this supposed debt. I am not aware of any debt owed to XXXX XXXX XXXX as I always pay my co-pays when I'm at the doctor 's office ( and my co-pay is never anywhere near {$120.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  has a {$380.00} account that just appeared as a delinquent account under my name. They reported the account as being established in XXXX. I opened no accounts due to poor credit score that year. I disputed this account as not mine. I had only 2 accounts delinquent that are mine but I have no knowledge of this account. They said delinquent since XXXX. My concern is if delinquent since XXXX, why did it just appear on my credit reports? I only had 2 accounts as delinquent and in collections. Also, why can accounts in collections be sold to different collection companies to keep them open for collections? They should have been seen as not collectable and removed from delinquent accounts. My ex husband moved out of the country and left these accounts for me to deal with. I tried to continue making the payments but am on fixed income ( retired ) could not keep up the payments since XXXX. Should have been seen as not collectable. Check the 3 credit bureaus and that account was not in my delinquent accounts till just recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
REPORTING XXXX XXXX DATE OPENED : XX/XX/2018 account on my 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 2022-05-04
Company: CITIBANK, N.A.
State: PA
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2019-12-09
Company: AES/PHEAA
State: MD
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:
To Whom it May Concern, I have a dispute with Fedloan Servicing regarding incorrect reporting on my student loan accounts to credit reporting bureaus. I have a general forbearance that has been applied to my account ; however, this information has not been updated accurately and there is still a 90 day late payment listed for each of the accounts. Given that this has not been updated after conducting the dispute process with each of the credit bureaus, Fedloan Serving is in violation of FCRA 623 " Fair Credit Reporting Act ''. Since the dates of my general forbearance include the late payment mark, these should be removed to reflect the most up-to-date and accurate information on all accounts. Therefore, I demand that in order to become compliant with FCRA 623, Fedloan Servicing updates and submits the correct information to all three credit bureaus which results in 1 ) all accounts being up to date for the period of the forbearance and 2 ) removal of late payments on the account that are during the time period of the general forbearance.

I request that I receive a response no later than 15 days after the receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have made multiple attempts since XX/XX/XXXX to cancel XXXX  on my mortgage with this company to no avail. They asked me to order an appraisal on my home, which I did, but the XXXX sent by Dovenmuehle Mortgage severely lowballed my home to make it difficult to cancel the {$220.00} XXXX  fees I pay extra each month on top of my principal, interest and taxes. I am struggling and barely making ends meet just to pay my mortgage because of this extra fee. I fear my home may go into foreclosure. This company is making it extra difficult to cancel XXXX. They keep moving the goalpost each time I satisfy one of their requirements. My home is worth more than what their XXXX suggested. I have had my home appraised by other financial institutions for a higher value ( significantly higher ). The exact same homes, a couple of doors away from my home have recently sold for way higher than their XXXX suggested. Please help me, I can't fight this company. I fear losing my home. This company mistreats its customer just for their benefit. I have provided everything proof of home value they asked for, and I have met and exceeded every requirement to cancel XXXX, but yet they still will not give my application fair consideration. This company has a track record of doing this to its customers. They have horrible reviews and similar bad complaints online. Please help me, I don't want to lose my home. 

Below I have attached the appraisal that Dovenmuehle Mortgage did on XX/XX/XXXX, alongside copies of very close and similar comparables which they failed to consider in their appraisal. I have also attached a copy of a recent appraisal of my home by another financial institution. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXXXXXX XXXX XXXX Acc # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A States l 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 account without my written instructions.

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 2021-08-03
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have contacted this company multiple times over the mail. 
My representative have several phone conversation with two supervisors. 
Both admitted that they do not have a debt assignment agreement and they do not have a full original contract .They assured my representative that they will request such documents and provide me with a copy within 30 days .It is been more than 30 days and I have not received anything from this company. 
Trying to collect the debt without legal authorization is a FDCPA violation and reporting unvalidated debt is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: M&T BANK CORPORATION
State: NC
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 have had a charge off from M and t bank on my Credit report for 7 years at a larger balance than when it was originally written off for. M and T bank kept increasing the amount. I have dispute the information starting in XXXX when it was at 7 years to have it removed yet the bureaus have not done anything. They said the information came back accurate. I disputed it on XX/XX/XXXX, XX/XX/XXXX as well but they keep saying it is valid without proving the methods and means at which they found it so. This item is hurting my credit and has been over the duration of time allowed to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 have XXXX issued with the credit card company. 

I've made a payment on XX/XX/XXXX at amount of {$360.00}. On XX/XX/XXXX, there is a payment adjustment and the credit card asked me to pay again. I called the customer service but they were unable to show any information the original payment was reversed. I doubled paid the amount. 

Second issue is I have a dispute with a vendor called XXXX XXXX. I've made the payment with alternative method and requested my credit card disputed the {$300.00}. However, the credit card company refused to conduct any investigation and require me to provide billing statement from XXXX XXXX. I've never received any documents showing the required information. Then they shut down the case without any investigation. 

My SSN is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have checked my credit report and have been involved in some type of fraud. I have credit inquiries that are being reported to my credit bureaus that I did not authorize. Most of the credit inquiries date are the same. Some of the dates are old and some new but I did not authorize these companies to run my report and I would like these items removed.

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 2023-02-09
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation