BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, SYNCB/ SAMSDC add a derogatory mark on my credit report per XXXX XXXX and XXXX XXXX XXXX. Upon further research this account was transferred/Sold and I am no longer responsible for this accused debt. Firstly Debtors creditors did not verify this debt at all, secondly this account is reporting so many Inaccuracies, incorrect date opens. Is reporting, date opened/ closed on XXXX is totally different from date opened/ closed on XXXX, this account also reporting that it is closed/sold. 
Not only that but the past due amount reporting is inaccurate from the monthly payments, also As required by the fair billing act, as a consumer I was supposed to be sent a bill in 21 days period or window and which I did not receive from sams club, and this is a violation according to the fair Billing act. A bill without a signature does not validate the debt and anybody can report a bill and says it mines. 
According to the FCRA Law [ Sams Club ] and Credit Bureaus [ XXXX and XXXX ] has violated my rights as a consumer and I am requesting legal actions to remove this account immediately

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 2018-02-20
Company: Windham Professionals, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2017, I was contacted by XXXX XXXX  regarding a debt to XXXX XXXX XXXX XXXX. The person who took the call indicated that my account was in default and to be removed from default status, I need to setup a payment plan. I was told that I needed to make 9 payments of {$5.00}, once the 9th payment is received my account would be moved out of default. During the call, I was asked a series of financial questions. After provided this information I was told that I would receive information regarding the debt and payment plan. I never received. 
I was told that I needed to setup payment to be withdrawn from my bank account. I advised the person that I would send certified money orders to the XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, GA XXXX. I sent multiple payments to the PO in XXXX, which I was told they received. I was told that I would receive information regarding the debt and payment plan, which I never received. I contacted the XXXX XXXX XXXX in XXXX and was advised by supervisor that my account was not on a payment plan and that I needed to contact the collections agency. I did. And was told they had no clue to what I was speaking. After multiple calls to a collections rep. who indicated that the person I spoke with back in 2017 failed to do their job. XXXX indicated that she would set the account up on a payment plan. I then called the XXXX back and asked to speak with a supervisor who assisted me on filing a formal complaint against the collection agency for failing to do their job properly. Which is to provide detail information on the payment plan from 2017 and any related information pertaining to the account. I was not advised how to dispute the amount/debt which I feel the amount is incorrect. I've reached out to them ( XXXX and XXXX XXXX  ) many times for additional information and have not received anything. 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: BMW Financial Services NA, LLC
State: NY
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:
BMW Financial Services Acct # : XXXX Balance : {$6600.00} I have filed complaints with FTC, Credit Bureau and Creditor and this information is still reporting on my credit file. According to Section 605B of the Fair Credit Reporting Act, I needed to provide proof of my identity ( I did ), the specific information that is a result of identity theft ( I did ) and a copy of the complete and submitted Identity Theft Report ( I did ). 
XXXX, XXXX and XXXX have not corrected their reporting of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-05-06
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife was the primary card holder and I was an authorized user. My wife has passed away and Citi and XXXX banks are refusing to remove me as authorized user and reporting a deliquesce on my credit report even when I'm not responsible for these accounts.

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 2023-02-16
Company: SYNCHRONY FINANCIAL
State: TX
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 purchased a television from Walmart.com on XXXX XXXX for {$4600.00}, using PayPal Credit. 
Since the product was not delivered on time even after 20 days and as there was no communication from Walmart.com and the Seller XXXXXXXX XXXX  about delays and new updated delivery date, I cancelled the order. 
The seller agreed to refund me {$4300.00} keeping shipping expenses and thus Walmart.com refunded {$4300.00} on XX/XX/XXXX, to my PayPal Credit account ( Transaction ID : XXXX, screenshot attached ). 
I also thus never received the Television. 
I also promptly paid the balance of {$350.00} to my PayPal Credit account on XXXX XXXX, expecting a {$0.00} balance on my PayPal Credit account due to this transaction. 

I had also filed a dispute with PayPal Credit that the seller was wrong to deduct {$350.00} since they did not deliver the product when they promised even after many days ( more than 2 weeks ) and not communicated to me about the delivery new date. 

But for some reason, PayPal Credit returned the entire refunded amount of {$4300.00} to WALMART.COM and charged Re charged my account for the full {$4600.00}. 

I also made a balance payment of {$43.00} on XX/XX/XXXX for the XXXX XXXX on my account. 

I have called PayPal Credit multiple times and their Customer Service representative noted the whole scenario and filed a dispute for me but no action has been taken by them. 

So now I am in a situation, where I dont have the Product and I have a Current balance on my PayPal Credit account. 

I have attached my original purchase and the refund transaction screenshot to my PayPal Credit account. 

Thanks 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 monetary relief
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my report. It has been over 45 days and i have not received a response yet. I feel like i am being taken advantage of and being ignored for my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days give a reason to immediately delete those items from my credit report and it has been over 45 days so they should be deleted right away. If these accounts are not deleted I will have to file litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the wrong hands. I have reported the theft of my identity to the Federal Trade Commission

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 2020-01-30
Company: ALLY FINANCIAL INC.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
During XXXX and XXXX, i went through a financial crisis due to loss of job and missed several of my loan payments. My last late payment was on XX/XX/XXXX qnd since then, i have made every payment on time. I have requested Ally to remove these negative remarks in good faith since It was a specific situation why i was late and not due to lack of interest or responsibility. My 2 requests have been denied.

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 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 submitted a letter to TransUnion, XXXX, and XXXX in regards to two accounts. As of XX/XX/2021, I have yet to receive any correspondence from either of the credit bureaus with an update on the status of these two accounts. I need for this problem to be resolved and these accounts removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A person on XXXX that I follow retweeted a person. I reached out to that person and the said they were part of insurance company and had unclaimed funds for me. They sent a check and some was cleared to use that day and they asked me to send a XXXX percent of the check to them and keep I can keep the rest. The next day I sent the rest only keeping about XXXX percent of the check. The full amount of the check was XXXX. After a couple of days chase locked my account. I went to chase bank and After I talked to them on the phone and saw them in person they said I had to pay the amount that's overdraft. I tried to open a new account with XXXX XXXX XXXXXXXX and was declined. I don't have the money to pay the amount to chase even after showing them the proof that I was tricked and scammed into this situation but they wanted to hear no part of it and said I have to pay the full amount back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am having difficulty getting my student loan company, Navient, to work with me to reduce my monthly payment. I submitted my first request back in XX/XX/2019 but the company still will not offer me a payment plan. Instead they keep forbearing my account so that my interest rate keeps accruing. 

I keep submitting forms for Income Driven Repayment plans  but they keep stalling on processing this. When I call to check in about the status, they ask me to submit something new but never give me complete or accurate information so that this can be processed correctly. I never wanted to put a forbearance on my account but only to lower my monthly payment from {$1200.00} to something more manageable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
On multiple instances i requested that American Express, XXXX XXXX XXXX XXXX XXXXXXXX provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: OneMain Finance Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My second mortgage contract with XXXXXXXX XXXX dated XXXX states my mortgage interest would decrease .XXXX XXXX  each year for XXXX years. As long as no payments were XXXX days past due. My loan was sold to OneMain financial. They refuse to review or audit my case. They state my payments were past due more than XXXX days. I offered to bring in all my receipts to show they were paid on time. They still refuse to discuss my case or make any adjustments. I've called them numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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 has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: EQUIFAX, INC.
State: RI
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:
On XX/XX/XXXX I accessed my freed credit report through all 3 bureaus. Equifax is reporting 2 accounts incorrectly. Both are with XXXX XXXX, 1 was closed in XX/XX/XXXX, which is over 7years ago. This account should be off my account. The other account is reporting a delinquent payment, which is not showing on the other 2 bureaus. This was a bank error and was fixed by the bank in XX/XX/XXXX. They reported to Equifax and the bank recently said they reported correctly and all 3 accepted the fixed. The bank is unsure why equifax as decided to revert back to the erroneous information. I tried to dispute through website and would not allow me to submit. My wife submitted her claim. I tried again today and again can not submit. My wife has yet to hear from them about the fixes and the error is still on her credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: BARCLAYS BANK DELAWARE
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: Account status incorrect

Complaint:
I contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 90 days past due which dropped my credit scores 100 points.

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: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

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 2023-02-16
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:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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: Investigation took more than 30 days

Complaint:
Transunion has reported hard inquires that I am fighting only XXXX has removed theirs.

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 2022-10-22
Company: Experian Information Solutions 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:
I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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