BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Synchrony Bank, XXXX Florida is the company for my medical credit card for {$800.00}. This year starting in XXXX, I initiated a repayment plan. When I asked the minimum amount allowed per month ( {$69.00} ), I  was misinformed. I was charged {$200.00} in XXXX and {$69.00} every month til present. In XXXX, I noticed that my balance was not changed, I called to inquire & I was told credit report wasnt updated ( bi-monthly ). In XXXX I still noticed no change to balance & When I asked, I was told that no one had information for me about the details on my account and that I would have to file a complaint and that it would take 30 days for them to respond. Two months go by and then I call again for answers And the woman on the phone tells me that she cant give me any details but I can make a payment to avoid punishment. I told her I cant make a payment until I know with the balance is and what is going on with the account because there is something wrong. They still did not answer me and instead reported me to the credit bureau and dropped me and raise my balance. I was forced to pay the balance in full just to protect what little of my credit is left but they have damaged me to the point of 100 points and still have not ever answered my complaint.

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 2017-11-15
Company: EQUIFAX, INC.
State: FL
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: Other problem getting your report or credit score

Complaint:
On XXXX/XXXX/XXXX I signed up for a free service called TrustedID sponsored by Equifax. I had locked and unlocked my credit report several times between the dates of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I requested to unlock my report as I am in the middle of a new mortgage and they are required to run my credit. When I clicked on unlock, it indicates " An error has occurred ''. I have called XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX over the past 7 days and have spoken to a supervisor in each of those departments. Thus far, I have been unsuccessful at getting my credit unlocked. This could cause me to lose my house and down payment. I need help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04
Company: General Motors Financial Company, 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 demand proof of how you dealt with the information that you indicated in my credit report. Please provide me with all instruments used to report this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation
Consumer complaint received 2020-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft and I am starting to see that someone is applying for credit in my name I just brought a house on XX/XX/XXXX and I haven't applied for anything. Also I am seeing at lease to debt collections that have been paid and was placed on my report. 
XXXX XXXX XXXX XX/XX/2020 XXXX   XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX   XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX/XXXX  XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX   XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020

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 2021-10-18
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: JPMORGAN CHASE & CO.
State: DC
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: Overcharged for something you did purchase with the card

Complaint:
Hello, I have a Chase Sapphire Reserve Credit Card. This has a {$400.00} annual subscription so I generally expect pretty good service from the card. These are troubling times and I wanted to make a purchase of flowers from the Chase portal 's recommended florist, XXXX, and pay with my Chase Sapphire points. I went through the Chase Portal to get on the XXXX site and purchased an arrangement to send to my mother in Michigan. I specifically selected Chase Pay as my payment option and then clicked Pay with Points. After that, I saw that the website never showed me how many points it would cost but it did just charge me {$75.00}. I called Chase for help. They said I must have made a mistake to cancel the order and try again. I called XXXX and waited almost an hour on hold to have someone cancel my order. As far as I can see, it still has not been cancelled. Then I tried the portal again. The same thing happened. I called Chase again for help and this time I was transferred to tech support who told me that Chase Pay is obsolete and none of their vendors should be using it as they have a new payment system. She said I should know not to use Chase Pay. This was my first time attempting to buy anything with points through the Chase portal other than travel. I then realized that XXXX did not just charge me XXXX twice ( so {$150.00} total ) when I selected to pay with points, they also took XXXX points out of my account. When I go to see my point activity this does not show up at all. So there is no record of these points leaving my account. No one would have any idea they were charged. I figured it out because I knew I had more points that morning and went back to look at previous statements. XXXX points was missing. I called Chase again for help and they said they would look into it. This was now 72 hours ago. I would never, ever want to do business with XXXX again and I do not trust the Chase system to process payments for anything. I'd like a refund of XXXX points and my {$150.00} back. They also need to make sure the people they say have functioning platforms on their system actually are functioning and not scamming customers and robbing them of their hard earned points. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-28
Company: Experian Information Solutions Inc.
State: TX
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. I have provided Experian Credit Reporting Agency with doucumets to support my claim. I have Submitted documents that included a copy of my Government issued Drivers License, Police Report, FTC Report and letter requesting for Fraudulent accounts to be suppressed from my credit profile. Spoke with an Experian Agent on XX/XX/20 and was informed that all documents has been received. My request was to Block all reported Fraud accounts within 5 business days as required by the Fair Credit Reporting Act ( FCRA ). As of today the following Fraudulent Accounts are still reporting in my credit profile. 

Fraud Accounts 1. XXXXXXXX XXXXXXXX 2.XXXX XXXX 3.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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  placed a derogatory on my TransUnion credit file. This was erroneous and XXXX agreed to remove it. See attached XXXX  letter and TransUnion credit file. I was turned down for a loan because of TransUnion 's erroneous reporting of the XXXX derogatory.

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 2020-08-19
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: Information belongs to someone else

Complaint:
THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-02-09
Company: Experian Information Solutions Inc.
State: SC
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2018-11-16
Company: AMERICAN EXPRESS COMPANY
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: Problem with rewards from credit card

Complaint:
I have roughly 400k points ( worth $ 5000+ ) with American Express but I'm unable to transfer any points to airline miles. Transferring points to airline miles is one of the stated benefits of the American Express Platinum Card that I have. I am paying {$550.00} a year for this card and many others and I'm unable to use my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: NV
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 sent a FTC report to equifax and XXXX regarding fraudulent items on my credit report. 
To this day over 20 days later I have not received a response yet about my dispute. I feel like I'm being taken advantage of and being ignored of my dispute. I demand these item to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021 - Account Modification Approval Notice received. Initial payment of {$790.00} required by XX/XX/XXXX. This payment was made on XX/XX/XXXX via cashiers check and deposited by PHH on XX/XX/XXXX. This was XXXX payment # 1 under the agreement. Copy provided. 

XX/XX/2021 - " fully executed '' agreement received. Copy provided XX/XX/2021 - Payment of {$790.00} via XXXX XXXX online banking. See Account Transaction Detail Report. This was XXXX payment # 2 under the agreement XX/XX/2021 - Received letter from " XXXX XXXX '' stating that my loan was not eligible for modification because I did not make the initial payment on time. 

XX/XX/2021 - I complained XX/XX/2021 - Payment of {$790.00} made to PHH via XXXX XXXX online banking. This was XXXX payment # 3 under the agreement. 

XXXX XXXX - PHH reversed my XXXX payment. XXXX notified me so I purchased a cashiers check to send in. 

XX/XX/XXXX - Received email from PHH stating the modification cancelation was in error. 

XX/XX/2021 - PHH recredited my payment so I redeposited the cashiers check to my account. 

XX/XX/XXXX - Received email stating that I owed {$48.00} from BEFORE the modification and the modification could not be completed until I paid it. I protested but eventually paid it just to shut them up XX/XX/2021 - Payment of {$790.00} made to PHH via XXXX online banking. This was XXXX payment # 4 under the agreement, XX/XX/2021 - payment of {$790.00} sent to PHH via XXXX online banking. This was payment # 5 under the agreement. 

I am up tp date and current, 5 months, 5 payments. This company constantly holds, reverses payments to make me appear late.They always show my account as past due even though payments were made well iin advance, See screen shot of website. During all the reversal and payment manipulation in XXXX I became so overwhelmed, stressed, and upset I had to be taken to the hospital by ambulance and admitted. I should sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
my company XXXX XXXX XXXX XXXX XXXX Hospital, XXXX Hospital, XXXX XXXX XXXX XXXX. 
The Human Resources Department along with payroll inform me that they have deposit all of my earning in to my retirement account at Wells Fargo what was left from my international investment at the company, I am in need to access all of my founds and they are not in my bank account u or in the bank account that the employer had said. 
I file a police report and I have court order, from the XXXX County Court.to ask Texas Work Force Commission for the deliver services to me and find all of my access unreasonable. 
The Wells Fargo Bank refuse to respond to the account existence, told the XXXX Police Department and I to visit XXXX  XXXX XXXX that had all of my direct deposit that I have earn. 
I need access to my founds and this organization had stolen. robbery literally

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 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : 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 2022-06-09
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX, MN XXXX Has been sending me collection notices in the amount of {$100.00}. 
The collection has been reported as a past due balance. I do not know this company, I have never done any business with the company. I do not recognize this debt. 
This company does not have any contract with my signature

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 2018-04-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have submitted a complaint to the department of education and they replied that they do not handle private loans, my problem is the federal loans, not the private loans. Navient will not work with me to lower the payment to get it up to date. XXXX I called, the female on the other line said she could charge a {$150.00} fee to put my account in forbearance ( my payment is {$130.00} ). She then said to make the payment of {$130.00} and she would help me to lower the payment. At this time I had maybe {$3.00} in my account. She drilled me about my expenses which was an invasion of my privacy and made me uncomfortable. She gave me no options to help me and told me to contact the department of education. After this conversation my credit went down from great to fair because of navient, stating I was 60 days overdue. I got an email from a XXXX XXXX that he was looking over my account XX/XX/XXXX and never heard back, I called XX/XX/XXXX to try to work something out again with no luck. I was told that this XXXX XXXX would contact me next week sometime. I am frustrated and dont want them to affect my credit, it should have never been reported to begin with. This company is a bunch of crooks and I would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XXXX I contacted a loan broker for a refinance. The company accepted the application and a appraisal was performed on XX/XX/20. I constantly contacted broker on status of loan and it was always some kind of delay. In XXXX I finally told broker I was done with them its been 5 months and they still couldnt close on a refinance. I asked the broker for a refund for the appraisal because the amount of time has passed and the appraisal expired due to their inability to close. The broker contacted the company and a few weeks later the company denied the refund.

Company response to consumer: Closed with explanation