BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-25
Company: SYNCHRONY FINANCIAL
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is a line of credit from synchrony bank, My first, last nameAre completely wrong. For example my first name is the last name in my last name is my first name, The middle initial is not even mine. I contacted synchrony bank today in after spending almost an hour on the phone I got no resolution. The representative wanted me to send a copy of my drivers license to her personal fax number which Im not comfortable doing. My drivers license was provided when i first opened the account and I have made purchase in the past so Im not sure what had happened here.

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 2019-05-13
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Dated : XXXX XXXX XXXX XXXX Attn : Consumer Dispute Dept. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX REF : Good Will Please! I'm Stressed! I Don't know! 

RE : ACCT # XXXX ==> I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. 

Dear XXXX Management Team / Elan Financial SVC, I was advised to write to you by your customer service department concerning my credit rating with your company that was recently reported late on XX/XX/XXXX for 30 days and XXXX XXXX. I have enjoyed a credit account with you guys for a while now. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been! 

Unfortunately, last month, I was in a financial dilemma due to some unforseen and, may I say, unexpected emergency with some family issues, where I had to change my bank account and told the representatives there at the bank to notify the credit card department of such change due to automatic payment. As a result my payments to you were marked delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid and made sure to fulfill my obligation to ensure that your company suffered no loss. I'm actually in the process of closing on my new house within the next 30 days, and this is REALLY setting me back now. I really need your help on correcting this mistake which honestly I thought it would never happen because I had adviced my Banker to notify you guys with the New Account Info. I was told not to worry, as it was my first time that they would take care of it. Nonetheless, now have have those negative marks on my creidt report. 

I am thankful and appreciative for the positive credit history that I have obtained through your company but now those late marks on my credit reports are causing me tremendous stress : ( I am trying to purchase a better home for my family, but the negative remarks are hurting my efforts. PLEASE PLEASE HELP! 

This is where my " Goodwill Request '' comes in. I desperately need this and I would be extremely appreciative if you would please remove the lates from your records and request that the credit bureaus remove them from my credit reports as well. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction from you guys. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 

Kind regards, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX Dispute initiated by customer Amount : {$630.00} Customer called Discover credit card 10 times to customer service, dispute, card fraud investigation XXXX. Customer received 10 different answers from different agents of Discover. At first, customer was advised to call back after 14 days after XX/XX/XXXX. Another was the credit will appeared and credited within 3 days which is XX/XX/XXXX. Another was the credit will appear on XX/XX/XXXX at XXXX EST. Another was the credit will appear 72 hours after XX/XX/XXXX. Another is the credit maybe will be posted on XX/XX/XXXX ... 
The credit has not been credited and appeared on the account. Customer has been a member for 20 years and it is disheartening to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid.

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 2022-08-13
Company: GOLDMAN SACHS BANK USA
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: Card was charged for something you did not purchase with the card

Complaint:
My XXXX XXXX XXXX daughter made 11 transactions of {$84.00}, 1 of {$99.00}, and 1 of {$44.00}. Total of {$1000.00}. The card that I had for XXXX  purchases was maxed out, so the back-up card was used, which is the one in question. She didnt know what she was doing, she thought she was using play money in the app. The very next day I was disputing charges and calling XXXX, because it was XXXX purchases made with an Apple Card. XXXX Specialists were able to dispute a few charges for me and other werent able to be disputed. The reason I was given was because that was they way the system was set-up. After days of calling customer service for XXXX and Goldman Sachs, I was able to dispute all charges. This week ( XX/XX/XXXX to XX/XX/XXXX ) Ive been getting emails that the charges are being reversed. Again Ive been on the phone for days with XXXX and Goldman Sachs customer service about these charges. The answer Im given is the team/department that makes these decisions do not interact with customers and that their system doesnt allow them to dispute those charges. My research tells me that the law says a child using your credit card for unauthorized purchases constitutes as unauthorized and should be refunded. At the end of the day, my daughter doesnt use that app, doesnt have access to the account, and has nothing to show for {$1000.00} in charges. Ive paid the balance of what I honestly owe. But can not close the account because they have reversed {$1000.00} charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 contacted the major credit bureau multiple times requesting an investigation to verify fraudulent account debt, as I asked who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. XXXX XXXX : XXXX, XXXX XXXX : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
Tried to get a free credit report. When asked to verify personal information, none of the options provided matched the actual, correct information. The company could not verify my identity in order to provide the credit report, which leads me to believe there is identity theft.

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 2020-02-25
Company: Informative Research
State: WI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a credit card with XXXX XXXX and the rep, XXXX told me over the phone that I do not have any late days past 30 days from the XXXX statement. He advised me that the longest I've ever been is 8 days. I asked for him or a Supervisor to remove the late fee, which he did but he can't remove the 30 days past due, even though there isn't one. This is strongly affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: National Credit Systems,Inc.
State: MD
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX has sent in a false account with an amount that does not satisfy what the conditions that we left. The lease was up and we paid the last month and vacated immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not only that, the entire apartment flooded and no one came when we called to resolve the issue. Here comes the date that we move out on XXXX and they state we had to pay XXXX rent. When we left after the XXXX days notice given. How could they request rent for XXXX if we would not be there? Also the dates on my consumer report and what I have on file and what they have on file for the dates we lived there are inaccurate. The complex sold this number to an agency that is placing their own amount that they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried numerous times to acquire assistance from SPS and they continue to inform us theres no options that can assist us. Before we became this far behind, their letter indicated we can contact our loan representative to discuss deferment. We contacted our representative and discussed and submitted all the documents requested. Within 30 days the response was due to the account is past due four months we are unable to defer past due payment. However, when we initiated contacted with our loan representative we were only three payments behind. The SPS letter stated three payments or less can be deferred. We need emergency assistance since they have turned our account over for legal action. Our account was with XXXX and they sold it to SPS latter part of XXXX which they are a collection company without notifying us. We didnt fall behind on our mortgage until XXXX and that was due to a list of one income. We prayers is to keep our home. Thank you for your assistance. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion had a nationwide system glitch during which all my credit inquiries were removed. Transunion failed to provide me a written notification of the glitch. Few days later all inquiries including some that I did not recognize were reinserted to my credit file without written notification. 
The law requires Transunion to provide a written notification anytime it encounters a system glitch. Transunion failed to do so. 
When contacted, transunion fails to own the responsibility and the representative is of no help. 
I would like transunion to remove all my hard credit inquiries as it has failed to notify me of the system glitch and reinserted additional inquiries that I do not recognize.

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 2019-05-13
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
Tried to obtain my credit report through XXXX. When asked to verify my personal information none of the information presented was correct and it would not confirm my identity. I strongly suspect my identity has been stolen and I need the credit reports to assess the extent of the identity theft in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS COMPANY HAS REPEATEDLY CALLED ME FROM DIFFERENT NUMBERS ALL HOURS OF THE DAY AND NIGHT. I PINGED THERE IP ADDRESS ON THEIR SERVER AND IT IS COMING FROM THEM IN VIRGINIA. IM AM EXHAUSTED WITH THIS COMPANY. THEY ARE PAST THE STATUE OF LIMITATIONS IN MARYLAND AND CAN NOT COLLECT BY LEGAL MEANS. THIS ACCOUNT IS POSTED TO MY CREDIT ACCOUNT AS OPEN ON MY ACCOUNT AND IT SHOULD BE CLOSED.I HAVE MAILED THEM A CEASE AND DISIST VIA US CERTIFIED MAIL, FOR {$6.00} I WILL SEEK A LEGAL REMEDY FROM THIS PREDATORY LENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 XX/XX/XXXX, I received a notice from my credit monitoring service that a change took place on my credit report. I reviewed my credit report and found a hard inquiry from Capital One. It was not applied for by me, and I had had 4 other instances of identity theft happen in the last year and I even had placed a credit alert on my credit record. 

I called Capital One that day and many times over the next week, and no one could find the account ( I'm guessing since they denied to open it ). Soon, I received a letter in the mail declining opening the account, a Capital One Justice credit card. I called that day and told them it was fraudulent, and asked that they relay that it was fraudulent. However, I never received a written confirmation that they would mark it as fraud and notify the credit bureaus. 

I noticed it was still on my account on XX/XX/XXXX, and contacted Capital One through XXXX, asking for a call. I explained the situation again, and asked for a letter confirming it would be marked as fraudulent and to have it removed from my credit report. It is still on my credit report as of today, and I have still received no written confirmation. 

I have recently applied to refinance my student loans and I am concerned this will impact the rate I receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX. My daughters student loan was placed on a repayment plan. she has made payments to this loan ever since. President Biden has put a freeze on student loans at this time. 

my credit report shows it is serious delinquent. this loan is being taken care by my daughter. i believe that it should not reflect delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Alpha Recovery Corp
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On or about XXXX XXXX, 2018 I was contacted at work by a rep from Alpha Recovery. Her name is XXXX XXXX. I had asked her not to call me at work. I also found out she had called my parents, my brother and my sister in law. Even though I have blocked her number I can still receive voice mails. When I do not respond is when she calls my place of employment.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
All incorrect addresses and names should have been removed from my Credit Report. I called XXXX, XXXX, and Transunion in XXXX of 2021, and nothing has happened. I mailed out letters to the above Credit bureaus, and nothing has happened.

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 2020-02-25
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SunTrust issued a 1099 misc to me showing non employee compensation of {$6000.00}. It took me several days and fruitless phone calls to SunTrust before I realized on my own that one of many insurance claim disbursements funneled through the incredibly unhelpful loan loss departments at SunTrust was for the amount reported as income ''. These funds were for hurricaine irma damage to my home. In total $ XXXX was held by them on my behalf in a no interest bearing acct. v unfair. 
I called the loan loss dept in XXXX First I was told that I must pay taxes on homeowners claims. I couldnt speak to a supervisor but one could call me in 24-48 hours. Outrageous that they made a false report of income to irs and you cant speak to anyone who understands issue. 
I called customer service and a v helpful lady told me shed had a number of customers issued these forms in error this year and last year! How do they get away with such a harmful mistake for more than one year? after a week or two someone called and told me it was all fixed. Ive been told that a corr3cted 1099 was issued XX/XX/XXXX but I have not received it as of XX/XX/XXXX. I did get a corrected 1098 int so apparently they have sent two pieces of incorrect info to the irs about me. 
If I hadnt worked in the tax field I would have put this {$6000.00} on my tax return s income and paid XXXX in taxes that I did not owe. No doubt hundreds of their customers have done this. 

Why dont they have to go back and identify all mistaken 1099s that they issued and work with irs and customers to resolve. This is a serious misuse of my social security number and personal info in my experience. 
I need a copy of the corr3cted form and a letter admitting to their mistakes do that I have documentation if the irs relies on their bad info to hold up my refund or to issue me a bill. You arent allowed to email them and all representatives tell you they have no direct phone number. I went to a branch to try and get a copy of the corrected form but even they cant penetrate the barrier SunTrust has erected between them and their customers. The lady at the branch was told that I could print this form from their online banking site. Untrue! It is not listed in the document section of my account

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