BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife and I enrolled into XXXX XXXX XXXX in or around XXXX. One of the accounts that was settled through them was a Lowe 's credit card with Synchrony Financial. The approximate balance was XXXX. XXXX XXXX XXXX made a settlement to synchrony and Synchrony then informed them there was a XXXX balance on the account and refused the funds. Almost one year later, synchrony reached out to XXXX XXXX XXXX  to let them know that synchrony had made a mistake and that the funds were indeed owed. XXXX then asked synchrony on XX/XX/XXXX at XXXX XXXX  via email from XXXX XXXX at XXXX to XXXX XXXX  if they would honor their previous agreement from XXXX of XXXX. If synchrony agreed to it, which they did, Then XXXX would overnight a check to them in the amount of XXXX. This check was cut on XX/XX/XXXX and overnighted to Synchrony bank which they received on XX/XX/XXXX at XXXX XXXX  and signed for by an XXXX XXXX. The tracking number from XXXX  for the check is XXXX this check was endorsed by synchrony and has their stamp on the back of it. Fast forward to XXXX and I am served a warrant in debt for this account. I provided all of the information to their attorneys who promptly dismissed the case. Summer of XXXX i was sued again for the same account in which they are alledging i owe them over XXXX dollars. Again, provided their attorney with the paperwork and case is dismissed without prejudice. Spring of XXXX I am served a warrant in debt again for the same account same amount. Theres a new attorney involved and I provide him with the paperwork, drops case without prejudice. After that I get in touch with synchrony via letter to dispute the debt and never receive a response. Two weeks ago, I am served AGAIN at which time their attorney informs me that my dispute isnt valid even though i have all of the correspondence to prove im correct. this case is scheduled to go to court on XX/XX/XXXX and as of late their attorney has pretty much cut me off with communication. I am ready to countersue them for damages just because this has become such a problem for me and my family.

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 2017-06-01
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX   XXXX   charged me without my authorization for a plan / service I did not want. when I tried to get it cancelled and refunded at the store they refused saying it was too late and I had to wait to cancel.     I called the home office and they claimed they cancelled it for me.     a year later I get a letter from a collection agency.      1. We never asked for the service 2.   XXXX  assured us this would be resolved.

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 2021-04-08
Company: SYNCHRONY FINANCIAL
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 viewed my credit report and saw there was an individual inquiry ran XX/XX/XXXX. From SYNCB travel/entertainment C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. This is an inquiry I do not recognize and would like removed because it is affecting my credit score. I will also mention that I never had a line of credit prior to XXXX so I do not understand how I am linked to this inquiry. I need this 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 2021-04-08
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:
I viewed my credit report and saw there was an individual inquiry ran XX/XX/XXXX. From XX/XX/XXXXtravel/entertainment C/o XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX. This is an inquiry I do not recognize and would like removed because it is affecting my credit score. I will also mention that I never had a line of credit prior to XXXX so I do not understand how I am linked to this inquiry. I need this 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 explanation
Consumer complaint received 2017-06-01
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
All  XXXX  credit bureaus are keeping very old information on my credit reports always keeping my score down because the either do not remove them when have reached there time frame to be deleted or the repeatly show on report as if the where new.

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 2022-08-15
Company: EQUIFAX, INC.
State: MD
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:
In my most recent complain response ( XXXX ) there have been a lot of changes made, but none addressed or solved my main complaint, unless removing the XXXX XXXX account was done to solve the impossibilities that have been to get the multitude of errors on it corrected. But if it was removed as what should be done when errors not corrected. I would just like to mention, that removal of the account has happened in the past, but it soon gets added back to the reporting in its same corrupt state. Another change was the XXXX XXXX reporting. It is now reporting under dispute. Not sure how that happened, because there was not a dispute opened anywhere. Plus and a bigger problem, why was it changed where it shows missed payment history and that there was actions beyond the XX/XX/2021 closing date. Why does Equifax continue to allow mortgage operations access to consumer credit reporting. Deleting the account can be acceptable, but we know now that its not going to be permanent. And unlike in the past, now they are modifying the closed XXXX reporting to show recent and negative changes. 

Also on a newer car reporting by XXXX XXXX. It has been modified where it is not showing the payment history, which is also on another open complaint. How do you just remove the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Proximately 2 years ago I was applying for a veteran eligibility guaranteed loan of over {$130000.00}, and already had a nice property checked out that would furnish me with a place to live and more important a place to start a new business because my XXXX won't let me continue to work in My Chosen field of XXXX. The loan was well underway and due to wrong and fraudulent information and my identity information hacked from the files of reporting agency. Apparently 90 % of the files they had on people were broke into and their information stolen. This cause is all kind of bad reports, loans in my name that were issued to someone else, defaulting credit cards that were issued to someone else in my name, my credit score dropping over a hundred points from good to poor status ruining any chance I had to get back on my feet. My stolen identity fraudulent reports by the credit bureau and no one willing to give me a much needed loan to buy a house caused me to become homeless and struggling for the last 2 years.

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 2021-04-08
Company: Experian Information Solutions Inc.
State: MI
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 a victim of identity theft. Experian is reporting a fraudulent XXXX account on my credit report. I submitted the police report to Experian and it was not honored. I recently resent the police report and I am hoping that this resolves the issue with Experian.

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 2018-04-14
Company: TD BANK US HOLDING COMPANY
State: AL
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 have never been late with this account, but they gave reported an account as late. This is severely affecting my credit and is hindering me from purchasing a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX on XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am the victim of identity theft and I dont recognize one or more of the accounts on my report. Also I am a victim of data breaches. I did not authorize or conduct an inquiry for the above company. Please investigate and remove. FTC REPORT # : Report number : XXXX, Report XXXX XXXX, Report NumberXXXX

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 2017-06-01
Company: Experian Information Solutions Inc.
State: MA
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:
XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with 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 2021-04-08
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my 5/3 express checking account to my 5/3 mortgage account. A week or two later my XXXX payment was reported to my credit as 30 days past due. I called 5/3rd bank who verified my payment was transferred on XX/XX/XXXX from my 5/3rd express checking to my 5/3rd mortgage via the 5/3rd online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. 5/3rd will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my 5/3rd express to my 5/3rd mortgage was made and received on XX/XX/XXXX. The fact that 5/3rd clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on 5/3rd rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX I made the payment via electronic transfer from my 5/3rd account to my 5/3 mortgage prior to 30 days. All I'm asking is for 5/3rd to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a 5/3rd better? 
Please help me by doing the right thing. its clear the payment was made prior to 30 days. 
Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: AutoMoney, Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I applied for title loan last year cause I was evicted from my home and needed fast money to find a place but after I found the place I lost my job and became very ill which I informed auto money about at all times which at that point the understood until I awaken to my car being towed cause I was behind I was informed by the lady who works there name XXXX that I needed to come up with XXXX dollars to get my car back and my loan was refinanced without explanation. So I been making payments of XXXX since XXXX of last year and have exceeded my loan amount which was XXXX but after she refinance it it became to be XXXX I only borrowed XXXX and now it is XXXX and the only thing that has come off this XXXX is XXXX dollars I only have enough to pay the bill after trying to keep my home I have told them how hard it is coming up with this money despite my situation but I it seems I will be paying this bill off forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I requested that the information on my credit report be looked into and I also requested an official copy of my credit report but I was ignored in my initial reach out and did not receive anything in the mail. When I did not receive a response I followed up a few more times and again still did not get a response. 

I now have reason to believe that I am getting ignored since it has been more than 120 days with no response by the credit bureaus due to their negligence to respond to my request which goes against my rights under the fair credit reporting act.

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 2017-06-01
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: Credit inquiries on your report that you don't recognize

Complaint:
I submitted a complaint with Consumer Financial Protection Bureau and received the EXACT same response that I had received from the TransUnion Dispute enclosed in my complaint filed with the CFPB.     I did not give written authorization. Nor did I have a '' permissible purpose '' as deemed by TransUnion explanation of Inquiries.

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 2017-06-01
Company: U.S. BANCORP
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
US bank intentionally misleads consumers to collect fees. I have been charged  XXXX  late fees at  XXXX  dollars a fee. That 's over  XXXX  dollars that I only recently discovered. I do not have online access to my account and therefore I make payments via telephone. The automated system give me a balance due but does not mention a late fee. The balance is the same every month so I was not suspicious. My payment is due at the beginning of the month and I always pay within the first 14 days of the due date. I was never informed of the late fee or the lack of a grace period. Furthermore I attempted to extend the due date years ago and was told it was not possible. My auto loan would have been paid off three months ago if not for these excessive deceptive fees . US bank is obligated to inform clients about fees and discuss options. This is not the first time I have been mislead by US bank . When obtaining the autoloan I opened up a checking account with them to receive a discount. The charged a  XXXX  dollar fee after telling me it was free. The fee overdrafted the account. It cost me  XXXX  dollars to close the account. I will dedicated my life to preventing others from doing business with US bank.

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 2021-04-07
Company: ENCORE CAPITAL GROUP INC.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I called Midland Credit Management in order to pay a debt that had been mailed to me numerous times. The amount i was willing to pay was the exact amount that was owed. 

When I called Midland Credit Management they referred me to XXXX XXXX  XXXX, as they had purchased the debt. 

I then called XXXX XXXX XXXX and agreed to pay the debt of {$640.00}. 

During my call, which was recorded, we came to an agreement that I would pay monthly for a price of {$110.00}. While on the call they told me there was a processing fee of {$47.00}. I agreed to that and gave them my banking account information to have automatic withdrawals. 

They notified me I will have paperwork mailed to me in order to sign so the payments can be made. 

On XX/XX/XXXX, I was notified that I had a Court Constable trying to deliver a court summons to me. Upon delivery, I learned that is was from XXXX XXXX XXXXXXXX, regarding the Midland Credit Management debt I agreed to pay the day before. 

I then proceeded to call XXXX XXXX XXXXXXXX to find out why I was being served this summons. They told me that it was because I owed the debt and they had filed a summons on XX/XX/XXXX in the XXXX courts. 

While speaking with XXXXXXXX XXXX XXXX  I ask them why they did not inform me of this action with the courts when I was settling my debt on the phone the previous day. They responded that they assumed I had been served which is why I was calling to settle my debt. 

I was then told that they were not obligated to tell me. 

I told them that it was deceptive business practices for them to know that a summons was being sent to me via a constable, but not notify me when I was calling to settle my debt the day before. 

I informed them that they lied to me when I was making arrangements in good faith. Their response to me was that they didn't need to tell me. If I felt slighted, that they apologise. 

Being that this is a legal court document that was served to me, that is not acceptable. 

Upon further discussion, I informed them that I would like a copy of the phone call I made and the file which contained my information, which was in regards to XXXX XX/XX/XXXXand XXXX XXXX. This request was not acknowledged. 

I passed me off to a higher level manager who was very flippant and did not wish to help me resolve my issues of removing the court summons from XXXX XXXX courts. When I asked if even if I am still going to have to go to court over this issue, even though I set up payment plans, inwas told that it wouldn't be removed from the courts. 

This is deceptive, if not illegal. I will be seeing a lawyer about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
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:
There are 8 accounts that are not mine they are on my credit report I have disputed them I have reached out to the bureaus and nothing is being done I am tired of this and going back and forth I need help. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XX/XX/XXXXXXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXX/XX/XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XX/XX/XXXXAccount Number : XXXX Reason : Unverified account Inquiries Creditor Name : US SM BUS ADMIN XXXX Inquiry Date XXXX XX/XX/ Reason : I don't recognize this inquiry Creditor Name : XX/XX/XXXX Inquiry Date : XX/XX/ Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation