BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-04
Company: SYNCHRONY FINANCIAL
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX I thought I was calling the XXXX XXXX XXXX for a XX/XX/XXXX show. Turns out it was some third-party outfit called XXXX XXXX XXXX sales that claimed to be the XXXX XXXX XXXX and charged me {$410.00}. I never got any receipt nor tickets nothing. As you can see from all the documents uploaded, I won the dispute and then my XXXX rebilled me I couldn't believe it. I asked why they said that scam of a company said I received my merchandise that's a lie. I have reopened another dispute but they are not working on my behalf to protect me from fraud. 

As you can see attached, I have 26 pages of proof to show this company is a scam and stole my money and I contacted the Attorney General in XXXX XXXX who is aware they are crooks and also the XXXX XXXX XXXX was kind enough to send a letter on my behalf showing there are NO tickets in my name. I have tried to talk to XXXX XXXX XXXX  they are nasty and rude and obnoxious. 

I don't understand how all of this evidence isn't enough to protect me the consumer and that is why I charge things for protection, and they are not protecting me at all. They ruled in my favor and that should of been the end of it. I have been stressed for months over this. I think that all this evidence and documents is proof enough to rule in my favor and get rid of the scammers that XXXX XXXX XXXX XXXX are. 

I hope you can help me. I have to intention to pay the amount no matter what happens as I will not pay thieves that just want to steal my money. I have told my Creditcard this and I will close the account. It would be a XXXX shame after XXXX years to have my credit ruined of a perfect score because of Synchrony Bank. Anyone in their right mind can see it's a scam and why in the world would I but more tickets for the same venue same day same time if I had them. Seriously, this is such an injustice to me. 

Any help would be appreciated after this I give up but will never pay the charge, I have put my Creditcard on notice as well but like I said they don't seem to Care.

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 2021-08-10
Company: Dovenmuehle Mortgage, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently, my bank, XXXX XXXX, switched loan servicing company and the name of the new loan servicing company is Dovenmuehle Mortgage Inc. 

XX/XX/XXXX at XXXX Eastern Time, I called XXXX ( Dovenmuehle Mortgage Inc 's Customer Service number ) to asked why I cant register my newly assigned account number so I can view my mortgage online or make a principle payment. 

They asked me to register through the site again at XXXX XXXX XXXX which is a portal for Dovenmuehle mortgages. I kept encountering an error stating " The Information you Entered does not match our Records! '' and the Customer Service Rep told me that I wont be able to create an account until first quarter of XXXX. That is absurd. I then asked to be transferred to a supervisor. Apparently she was of no help and kept telling me false information. Luckily I have a friend who also has a loan by the same banks and he was able to create an account fine today. I called her out on the false information. She said there is nothing she can do about it and I have to wait till first quarter of XXXX to make an account. She also claims that there was no " register account '' link on XXXX XXXX  website which is also false. I will attach screenshots. She then puts me on hold for no reason and makes me wait to come back with " Is there anything else you need? '' -- I asked for her full name and she only gave me her first name and refused to give me her last name. She gave me a telephone code " XXXX '' to reference her. I managed to find her online and her name is XXXX XXXX, Team leader Customer Service at Dovenmuehle Mortgage. 

So my main complaint is why on earth is it possible for my friend to create an account today BUT for me, I have to wait 6 months. I would like to be able to access my mortgage information online and be able to make principle payments if needed. I'm not able to login at all to their website to access my mortgage at this current point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Theirs an account that's reporting on my credit report by the name of XXXX and XXXX that do not belong to me it's a fraud account that need to be deleted they are report for a company name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax has two credit profiles under my social security number - one under my maiden name and one under my married name. When I was trying to apply for a credit application on XX/XX/XXXX, I noticed that my credit score dropped by over 100 points. After pulling my credit report online on XX/XX/XXXX, all my credit history was missing under my married name. I tried to call Equifax ( XXXX ) numerous times and asking if the change from my maiden to married name could have caused this, and they said no, because the Social Security number is the same. Knowing that I had credit history with them and my score was a lot higher less than a year ago, I asked to file a dispute, but they said that I would have to call all my creditors and ask them to report my accounts with Equifax. 
For the XXXX of it, I pulled my credit report under the same social, but under my maiden name this time on XX/XX/XXXX. Sure enough, all my other credit history that is missing is still under my maiden name. So I called them again ( XXXX ) and spoke to XXXX over the phone. I explained to him what has happened and had him pull both of my profiles. He would not do anything for me because he said he needed to verify my identity by faxing him my Social Security card and driver 's license. I asked him why he needed those documents as they are both already under my married name. I asked to speak to his supervisor because I did not feel like I should be inconvenienced for something that is their error. I was placed on hold numerous times before he forwarded me to his supervisor 's voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mr Cooper purchased my mortgage from XXXX XXXX XXXX  back on XX/XX/2019. 
I have made every mortgage payment in the history of my loan. No late payments no missed payments. 
I purchased my home for $ XXXX total. I put down XXXX bringing my starting loan balance to {$300000.00}. 
To date I have paid {$8700.00} towards principle. I would expect Mr Cooper to reflect my outstanding loan balance as {$300000.00} - {$8700.00} = {$290.00}, XXXX unpaid principal balance. 
Mr Cooper is reflecting my unpaid principal balance as {$300000.00}. 
This is a huge issue and I need someone in authority to correct. 
I have ALL my statements showing every principal payment and amount as well as my starting loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Atlas Credit Company, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company Atlas Credit from XXXX, Tx has been harrassing me at my job. I can get fired.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Prosper Marketplace, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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 paid {$3800.00} on XX/XX/XXXX paid my account in full. I was told by several representative that they report to XXXX XXXX every XX/XX/XXXX. Nothing has been reported. I called XXXX XXXX and opened a dispute on XX/XX/XXXX. I called an spoke with manager XXXX XXXX at Prosper Market Place that they reported and it is not his problem when XXXX XXXX updates there information he said he could send me out a paid letter in full which he did not. this was on XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX spoke with Supervisor said there still was no update and my dispute came back showing the same thing not paid. I have gotten but poor customer service from Prosper Market Place. 

The total payments in all was {$5600.00} paid off in 12 months ( loan term was 36 months I paid it off early ) Loan originated XX/XX/XXXX interest rate 9.46 %

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I haven't received any investigations results.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
To keep it short and simple, I have had student loans since XX/XX/XXXX. Every time I called and explained that I could not pay the loans ( they were too expensive monthly ), I was told to use forbearance. When I married in XX/XX/XXXX, the same year I completed my XXXX, my wife also had student loans ( about the same amount as mine ). When I tried to explain to Navient that we were married and now had {$170000.00} in student loans and could not afford the monthly payments, they would never take that into account. They want to treat each account separate ( total household income as filed on our taxes against each student loan account ). This is not fair math. Each persons income to each account would be fair, but that was not an option. We filled taxed jointly, because we are married. A couple years ago I called Navient and once again expressed that I was not able to make such HIGH monthly payments on my account. I was told then that our best solution was to consolidate the loans. I had no idea that my then ~3 % interest rate on some of my loans would go to the prime rate set by congress , doubling it. I was NEVER told about my options to pay lower rates and after 20 years my loans would be forgiven. I was tricked into believing that forbearance was the only and best way to go. All the while they were charging me compound interest. I was also never told that the first three years after enrollment in income based repayment, many consumers are entitled to have the federal government pay part of the interest charges if they cant keep up. For 14 years I have been in forbearance and interest fees have been compounding a problem I already had - I CANT AFFORD THE MONTHLY PAYMENTS - especially with 2 of us in the same household with the same amount of student loan debt! This compounded interest equates to tens of thousands of dollars. This is an unfair and deceiving practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2015-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I called and closed my credit card account. At that time I asked if there were any pending fees, charges, etc that could mean I still owed money. I was told there were not. I had paperless billing on so I was not receiving written statements. Account was closed and 3 months later I received a bill for XXXX {$50.00}. I called up and was told that there were pending fees and now those fees had fees on them because I had failed to pay them in a timely manner. I argued with the service representative and was transferred to a manager who said that because I had been a good customer they would remove all fees, balances, etc. I told them to please note that on my account and turn on paper billing so I could get a record that the account was finally closed and done. One month later I received a bill for {$65.00} including late fees, etc. I called and they claim there is no record of me speaking to them last time and that my only option is to pay the money or watch the balance continue to rise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14
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: Information belongs to someone else

Complaint:
There is an inquiry on my Transunion Credit Report that does not belong to me. I demand the following fraudulent inquiry be deleted from my Transunion credit report immediately. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023. Thank you. 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: NY
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:
In reviewing my credit report from Equifax, I found unauthorized inquiries. I made numerous attempts to resolve this matter via your automated service, however I had no success by phone. 

The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX / XXXX / XX/XX/2021 XXXX XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/20XXXX XXXX / {$550.00} / XX/XX/2021

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 2021-08-10
Company: Experian Information Solutions Inc.
State: MN
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 reported an error on Experian 's credit reporting countless times. They just keep sending it back saying it was verified. There is no explanation and they do not send me anything that I signed or anything proving that it is VALID other than they say the original creditor says it is valid. OF COURSE THEY WILL SAY THAT. I am hoping we can set the bar a little higher than that but then again this is America so we probably can not these days judging by the state of things. Anyways, I doubt this will help either but sooner or later I am hoping someone cares enough to do their job. My hope is now in your hands CFPB. Thank you and have a good day and sorry to take it out on you it is just so frustrating that this is allowed to continue. 

These are the charges and they were the result of fraudulent items on the card that I reported to the police and have sent the reports to XXXX XXXX  many, many times. 

XXXX/XXXX/XXXX Also known as XXXX/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2800.00} Highest balance {$3600.00} Terms NA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: FL
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:
State of Alaska Department of Revenue Child Support Services Division XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumers reporting agency can not furnish a account without my written instructions

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 2018-04-21
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 is missing that should be on the report

Complaint:
Trans union credit reporting deleted 4 old accounts in good standing. This made my oldest account on my credit report less than two years old and dropping my credit score almost 200 points!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation