BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
Company: SYNCHRONY FINANCIAL
State: NY
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 I chatted in great detail, nearly 30 minutes, online with a XXXX XXXX representative XXXX XXXX who confirmed that she would initiate a dispute for XXXX XXXX Store Card transaction from XXXX. On XX/XX/XXXX I chatted online with a XXXX XXXX representative XXXX XXXX  who confirmed that the dispute for XXXX XXXX Store Card transaction from XXXX. was indeed initiated and is " under process. '' Today, Friday, XX/XX/XXXX, at XXXX, I received in the mail, a letter from Synchrony dated XX/XX/XXXX. This letter states I have 15 days from the date of said letter to complete the Dispute a Transaction form and return it XXXX XXXX   -- 11 days have already passed and it is the weekend. As I have indicated, I have already contacted them twice and was told both times the dispute was initiated and in progress. Synchrony 's policy states I will receive in writing the investigative findings of the disputed transaction in two billing cycles. Two billing cycles have passed and now they pull this? This makes no sense, unfair and is just plain wrong. I have copies of both online chats with Synchrony regarding this issue.

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 2020-12-15
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: Was not notified of investigation status or results

Complaint:
I am furious that these accounts are on my credit reports. I was under the impression that the credit bureaus are to verify the information before placing on my reports. I guess they did not do that since they are reporting fraudulent accounts on my credit reports. I have never had any accounts with these people so this is very shocking to me and it is stressing me out. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been frequently called by XXXX claiming the business as " RBC '' in XXXX, OH  ( upon further research, they go by multiple names : Richland Bureau of Credits , Medical Service Bureau, RBC , Inc., Richland Bureau of Credits Medical Service Bureau , Inc., Richland MSB ). They have called me more than once a month for about over a year now. I have since blocked their number, but now am receiving new calls from XXXX ( XXXX XXXX - XXXX, FL ). I know the debt I have due and it is not to any of these agencies. None are providing information on the amount or type of debt owed. I have since blocked the XXXX XXXX number as well. Additionally, I do not live in either Ohio or Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: EQUIFAX, INC.
State: IL
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:
Fraudulent reporting on behalf EQUIFAX ; 15 U.S.C. 1681b - Permissible purposes of consumer reports ; In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 US Code 1611- Criminal liability for willful and knowing ; Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened a checking account with TD Bank in XXXX. I deposited about {$150.00}. However I did n't use the account until years later when I payed a credit card bill for about {$100.00}. I never knew there was a maintenance requirement meaning a balance had to be maintained. Apparently I fell below that balance after paying my credit card bill and I was incurring a maintenance charge every month. I never received a monthly statement from TD Bank or an email alerting me to the fact that I was incurring this maintenance fee. However I just received a notice of the bank closing my account and I had a balance due of {$41.00}. 
I went into the TD Bank yesterday where I opened the account to inquire what was going on. I was told about the maintenance charge and the balance due. I explained to the customer service agent that I never received any bank statements from TD Bank and never was told there was a required amount of money to be kept in my checking account when I opened the account. The customer service agent called the assistant Vice President to talk to me, XXXX XXXX who explained to me that I would not be reimbersed for the maintenance fees that TD Bank charged me even though they never sent me checking account statements. This was final. When I got home I reviewed the information that TD Bank gave me when I first opened the account and there was no information about maintenance fees or required monthly balances. I am out about {$50.00} but it 's the attitude of this bank that is worthwhile noting. I am a senior citizen and even {$50.00} means something.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The account below belong to a XXXX XXXX XXXX. I am not XXXX XXXX XXXX. I have provided support to the Credit Bureaus proving my identity. I have also submitted a police report, with regard to this account and the name, XXXX XXXX XXXX XXXX XXXX being used with my SSN. The credit bureaus have failed to investigate this account and have not provided me with any of the requested support. They have also continued to report this fraudulent name and account on my credit report.

Chargeoff for this account is duplicated each month and continues to report on my credit report. The " date last active '' also continues to change each month. According to the FCRA, the account details can not be changed after 180 days of the account being late. The account is continuously updated, though it was charged off in 2018. 

Account information : Creditor : XXXX XXXX XXXX  Account : # XXXX Amount : {$3300.00} Please remove this fraudulent account and inaccurate information from my credit report 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 non-monetary relief
Consumer complaint received 2020-11-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I've been writing the bureaus several times to dispute my student loans. The student loans are reporting with different info through out the 3 bureaus. According to the FCRA This is a violation and should be deleted immediately. I've pointed out things that are not correct several times and they just send letters saying updated and leave the accounts still showing negative items.

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 2018-03-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I am currently in school working on my XXXX. I received a call back in mid-XX/XX/XXXX from my private student loan provider, Navient, stating that I would need to start paying on my student loans at the beginning of XX/XX/XXXX. I informed them that I was currently enrolled full-time in school and they said that I no longer qualified for in-school forbearance because my loans dated back 48 months. This came as a complete surprise to me because I was never informed that my in-school forbearance only lasted 48 months. Furthermore, I didn't remember signing anything stating this. I then asked Navient to send me a copy of all of the promissory notes that I signed for each loan. When I received the promissory notes a few weeks later, I read through each one of them and nowhere does it state that in-school forbearance ends after 48 months. In the meantime, I did some investigating online and found that other people have had similar issues with Navient. So, after I received a bill for {$430.00}, I called Navient on XX/XX/XXXX to talk about the issue. The person on the phone told me the same thing as before, that my loans were due because that had reached the 48-month time-frame. I then told them that I had gone through the promissory notes and that nowhere did it state that. The gentleman then told me that they had the right to add/change things and that my promissory notes where obviously missing the part about the 48 months. He told me to look at section 'E ' and his section 'E ' was different from mine. The promissory notes that I have came directly from Navient, all of my personal information is listed as well as all of their clauses and terms except for this supposed 'no in-school forbearance after 48 months '. I don't see how ethically or legally a company can add to a contract years after it was agreed to and signed. When I have been out of school, I have never missed a payment and many months I paid extra. I decided to go back to school later in life to better myself. I make {$22000.00} a year which after taxes, barely covers my bills. Navient never offered me any other options to resolve the situation other than pay the {$430.00}. Furthermore, they are trying to change the terms of our agreement after the fact. The bill is due on XX/XX/XXXX and I would like to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: The CBE Group, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Person Called claiming to be apart of the CBE Group trying to collect a medical Debt for my child that is fully covered under XXXX. Tried saying it was for a hospital in a location that he has never been. They were trying to get a lot of information that did not pertain to my child like my social, DOB, Address. They also refused to answer any of my questions when I wouldnt give them my info and then they just hung up on me. Now I continue to get random calls from different number and when I answer I get no one on the other end. When I call back it takes me to the CBE group number. Very annoying.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I contacted Equifax and XXXX via certified mail which was accepted XX/XX/XXXX and XX/XX/XXXX concerning an unverified bankruptcy which was removed from XXXX who is the reporting bureau that Equifax and XXXX both verify their public records data with. Somehow, Equifax and XXXX claim that the bankruptcy information is valid based on the data provided by XXXX who provided me with a letter verifying them removing the bankruptcy data from my records. Unfortunately both Equifax and XXXX have a reputation of not doing the follow up work to either verify or dismiss information on peoples conumer reports which I believe has happened in this case. 
I also contacted XXXX on XX/XX/XXXX and spoke to XXXX, ID # XXXX to verify whether there were any inquiries submitted by Equifax and XXXX within the last 3 months to which XXXX was unable to find any record of these companies doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax, XXXX and XXXX are reporting a government overpayment as a collection with a balance of {$10000.00}. The account was included in my bankruptcy and was previously disputed as such. However, this should n't even be reported on my credit report as it is not a consumer loan/debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Information belongs to someone else

Complaint:
USAA has been sent documents relating to this for the past 6 months and still chooses to report 2 accounts on my credit on XXXX that arent mine. I want these removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
I have sent 3 letters to lexisNexis asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Lending Club Corp
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Lending Club erroneously reported my XX/XX/XXXX payment as late to the credit bureaus a total of four times. My monthly obligation is {$600.00}. In XX/XX/XXXX, I paid after the due date but within the grace period. Lending Club erroneously charged me a {$23.00} late fee even though I paid within the grace period. I spoke with a Lending Club representative and was told the fee would be waived. Following that, they reported the XX/XX/XXXX payment as late for the {$23.00} late fee. They corrected their error in XX/XX/XXXX but since then have reported the XX/XX/XXXX payment as late again three more times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Lending Club also corrected the XX/XX/XXXX and XX/XX/XXXX errors ; I now have a dispute in with XXXX for the XX/XX/XXXX reporting which I submitted yesterday. The trend is that Lending Club reports this erroneous information to the credit bureaus every 2.5 months. I am attaching emails from Lending Club confirming that they have corrected each of the past three errors. I want Lending Club to stop repeatedly incorrectly reporting my XX/XX/XXXX payment as late which, of course, negatively impacts my credit score each time they do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: The CBE Group, Inc.
State: VA
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 of 2020 on my credit report I discovered 2 collections each for approximately 800.00. I called and discovered someone in Ohio used my information to obtain cable services. I discovered his mane and the town in Ohio. I contacted the first company and the collection was removed easily. The next company would not speak to me because I was not the name on the original order even though it was all my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
i keep trying to get a hold of customer service for Navient because i want to make a pmt and i cant login in the website. there is no way of me getting a hold of a live person to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
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: Public record information inaccurate

Complaint:
Received a reply from experian today that the information will remain the same nothing was verified at all. Have reports from the bankruptcy itself stating that they do not report to credit agencies. To Whom It May Co ncern : I have recently been informed that there is a Bankruptcy in the file you maintain under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing a Bankruptcy in I do not have a Tax Lien or Bankruptcy. ( UNITED STATES BANKRUPTCY COURT DISTRICT Fl XXXX XXXX ) does not report ( type of file - Tax Lien or Bankruptcy ) to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. A Bankruputcy filing is public information. Again, ( UNITED STATES BANKRUPTCY COURT DISTRICT FL XXXX XXXX ) does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. ( CB Name- XXXX, XXXX, Experian ) has found information on ( type of file - Tax Lien or Bankruptcy )  through third party research. Please validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act, section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking { {$5000.00} } in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

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 2019-04-26
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I learned a few weeks ago some time after my Navient school loans had been transferred to XXXX that Navient reported that in XXXX, XXXX and XX/XX/XXXX that I contacted them and set up payment arrangements which is false. In XXXX, XXXX I was still in school and at that time I was not seeking to make payment arrangements just looking to finish school and I had also had been contacted by the Department of Education regarding the possibility of loan forgiveness due to misleading information from my school. Since XXXX, all of my school loans have been in forbearance due to the loan forgiveness investigation and I have only been waiting to hear how this will end. I have not attempted to set up any payment arrangements prior to after my loans were placed in deferment, forbearance, or under the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-11-28
Company: Sharpe Mortgage Lending Services of Georgia, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX XXXX at Sharpe mortgage did not comply with the fair housing act, specifically the Equal Employment Opportunity Commission ( EEOC ) regarding sexual orientation. He denied me simply because I could not answer specific questions regarding my husbands credit profile. I asked him to contact him directly, but he refused and stated that he could not help me and did not believe who I was even though my best friend ( former customer of XXXX 's ) referred me to XXXX XXXX himself. Also, he made comments regarding my character regarding my identity. He received all the required documents he requested but refused to help me based on personal reasons. I also think since my husband and I are XXXX he refused to assist us. 

I was pre-approved within 3 hours by another mortgage broker at a different company after receiving his decline letter via email he sent the same day.

Company response to consumer: Closed with explanation