BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-14
Company: SYNCHRONY FINANCIAL
State: FL
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:
Name on the credit card is XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I made a purchase of 3 " XXXX XXXX '' for {$600.00} to be performed at different times for the next few months after purchase. Prior to my purchase I met with " XXXX '' who promised immediate results of firming, wrinkle reduction, tightening of the skin and pore reduction. 

Lots of amazing claims in person as well as in their advertising. I told XXXX that I was on board if the claims were accurate and that the biggest hurdle she has was managing a clients expectations. She assured me there would be results. 

I began my treatments the next week and finished up the last treatment in mid XX/XX/XXXX. After the 1st treatment I got a text from XXXX XXXX to do a XXXX review, I said no I wanted to wait until my series of treatments were over to see if anything they told me in the consult or in their advertisements came true. They said that was fine. At that time I did not do a review. 

At the completion of my last treatment, I told my technician, I saw ZERO results and that I wanted to speak to a manager about it. XXXX the manager I orginally met with was not available so I called her the next day to discuss the matter. 

She called me back on XX/XX/XXXX. After a long discussion about me seeing no results she said she would consult the owner about a refund based upon the claims they made in the consult and advertising. The next day she left me a voicemail that they were not willing to do anything. 

With that voicemail, I filed a dispute with my Synchrony Bank Care Credit card and provided them all the advertising materials provided By Restore Hyper Wellness and my explanation of the timeline of events. On XX/XX/XXXX, I received an adjustment to my bill from Synchrony bank for {$600.00}. For me that concluded the matter. 

Then on XX/XX/XXXX, without explanation Synchrony Bank re-billed the {$600.00}. I immediately re-contacted them and was told someone would reach out to me in the next few days to address the matter. 

It is now XX/XX/XXXX and no word from Synchrony. I want the re-bill of {$600.00} reversed due to deceptive advertising and claims made by XXXX in the original consultation. Just a money grab.

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 2019-03-11
Company: ONLINE Information Services, Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
I received a collection notice for {$59.00} from a Debt Collector named XXXX XXXX XXXX from car accident which occured on XXXX XXXX. I sought legal counsel and was told to forward any bills I received to my attorney, ( XXXX XXXX XXXX ), who would notify the creditor, that the bill is in litigation, and would be paid from my settlement with the insurance company. I forwarded the bill to my attorneys office when I finally received it 6 months later in XXXX of XXXX. I called the creditor and advised them that they should contact my attorneys office if they had any questions about the litigation status, and provided a women named XXXX from XXXX XXXX XXXX with my Attorneys contact information. I noticed the item was on my credit report and asked XXXX what would it take to be removed. She advised me once she confirms with my lawyer that its included in the settlement, or if I pay the {$59.00}, they would remove it from my credit report. She said she could no longer speak to me and would need to speak to my Lawyers office. In XXXX of XXXX, I disputed the collection with all three bureaus and XXXX and XXXX, were given the go ahead to remove the item from both reports ; however, XXXX claimed that XXXX XXXX XXXX electronically advised them not to remove the item. My lawyer advised me that even though XXXX advised it would be removed from all three bureaus after their conversation in XXXX, she told me to just pay the {$59.00} and ask for a Good Will removal, since they already gave XXXX  and XXXX the green light to remove it. On XX/XX/XXXX, my Attorneys office contacted XXXX XXXX XXXX to find out why the collection wasnt removed from XXXX after being told it would be, XXXX advised my attorneys office to have me make a payment and it would be removed. XXXX gave my attorney the website to make a payment but said I had to call to get the security pin to pay online. I contacted XXXX that same day, and she provided me the pin, and advised once the payment is made to have my Lawyer contact her and provide the reference number and they would have it deleted, she advised we could also leave the number on her voicemail. We left countless voicemails for XXXX since XX/XX/XXXX and we have never heard back from her. I disputed it again and with XXXX  and attached a copy of the receipt, but XXXX refused to remove the account and stated the creditor responded saying they havent received a payment. I am unsure what to do as this company has taken my money and hasnt removed the account from my XXXX  report, as they promised they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Better Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX, XXXX  I was in the process of closing on a conventional mortgage refinance with Better Mortgage Corp ( XXXX XXXX ). The mortgage closing was eventually terminated due to the application not meeting conventional mortgage guidelines. On XX/XX/XXXX, a representative of Better Mortgage Corp ( XXXX XXXX ) contacted my homeowner 's insurance provider XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) without my knowledge and updated the policy 's 1st mortgagee information. I was not made aware of this until I received a paper notice from XXXX XXXX on XX/XX/XXXX, at which point I contacted XXXX XXXX  to notify them of the unauthorized change performed and instructed my agent 's representative to revert the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: I.C. System, 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: Investigation took more than 30 days

Complaint:
I contacted XXXX XXXX because IC System just popped up on my credit report. No one responded to my letter. I wrote again XX/XX/2021 and did not receive a response to my letter or any documents I requested. I requested an investigation on IC Systems on my credit report. I contacted XXXX, XXXX and IC systems and no one responded to my letters or sent me any mail. It's been more than 90 days now and this unverified account is still on my credit report. I want this account deleted right now.

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 2023-10-21
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Experian has reported two invalidated accounts on my credit report 1XXXX who is now in Dishonor for refusing validate an alleged debt which has been charged off. XXXX has refused to show proof of original creditor as well as ledgers proving this alleged debt was not funded by my consumer signature and social security number. 

XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXXXXXX XXXX Is in dishonor for refusing to validate or show any lawful contract in obligation to an alleged debt as well as XXXX XXXX XXXX XXXX Having any claim as original creditor by refusing to validate through proof of ledgers and proving consumer borrowed any lawful money and that it was not fraudulently created and funded through consumers social security card and or signature Experian is also publishing false information of addresss and names XXXX XXXX XXXX XXXX XXXX XXXX not even a real person XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have identified info on my credit report to be inaccurate or identity theft. I have tried multiple times to get this information removed to no avail from the agencies involved. 

please see attachments

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 2018-02-16
Company: United PanAm Financial Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Truck was picked up for voluntarily on XX/XX/2017. This still has not reflected on my credit and is still accruing fee 's, etc. This needs to be updated as a closed account effective XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX Balance Owed : {$30000.00} ;

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 2023-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-10-30
Company: Maximus Education, LLC dba Aidvantage
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Why am I STILL confused about the status of my loans? 

Why can't I get clear, concise and COMPETENT information... EVER? 

Why does it take FOREVER to receive responses from " Customer Service ''? 

On which plan am I? I believe that I applied for the " SAVE PLAN '' that AidVantage has been touting for so long? 

From where did the XXXX XXXXXXXX XXXX come? Why is it listed on my loans at all? I NEVER completed more than a WEEK of class at that institution. Weren't those loans CANCELLED? 

There are at LEAST TWO ( 2 ) more e-mails that were sent to " Customer Service '' within these past TWO ( 2 ) WEEKS. Why am I STILL WAITING for CLEAR, COMPETENT, and TIMELY responses? 

What is my progress towards loan forgiveness? 

What was the REAL issue with my JOINT BANK ACCOUNT? You can SHOVE " auto-pay ''! I'll pay MANUALLY, thank you! 

Frankly, my student loans have been through entirely TOO MANY servicers during these past XXXX or so years!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There was a JPMCB credit credit card fraudulently opened in my name XXXX XXXX due to identity theft and they charged up {$3700.00} and have tried several times to have this removed from my credit report with all three major reporting agencies as well with the merchant. They refuse to remove this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had made monthly payments on time every month, which was around {$800.00}, or more a month, which only lowered my payments by {$7.00}. 
After I had lost my job, I called and let them know. My payoff at the time was around {$2000.00}. Now after around 2 month, and me giving them a little here and there where I scrouged up very little cash they hit my bank account for {$410.00}. Without my consent, which is completely an overdraft in my account since the money was never there. And they said my payoff which was originally {$2000.00}. Is now almost {$7000.00} due to interest and late fees. Within 2 months??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: Pressler & Pressler, LLP
State: NJ
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 was sent an alert from my financial institution my checking and savings accounts had been wiped clean. I learned it was done by a debt collection company based out of XXXX, NY with offices in state I reside New Jersey. Pressler and Pressler was the company, I phoned and was told a summary judgement had been passed with regard to a collection agency XXXX XXXX for a charged off credit card account from XXXX. I know I should have been contacted to appear in court a supeona should have been sent registered mail for signature it was not. I also know according to FDCPA I have the right to request all of the information about this account payment history signed documents of transfer basically all information you would have from a transfer of ownership. They would not comply. Instead they probed my for more information they didnt have such as contact number employer information and vital details. I researched this collection agency/law office and they have hundreds of complaints of similar situations where they routinely operate outside the scope of the law yet it seems no action is taken. I formally request since I am unable to get the evidence I requested and they have seized all of my monies checking and savings for my housing and essentials. If they went through the proper channels I would have been notified how is it this office can operate legally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2022-07-16
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: Information belongs to someone else

Complaint:
This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied to Bank of Americas refinancing of my home trying to force me to pay off credit cards to them when I have never been late. I declined that loan because them trying to force me Today I was turned down for a loan by them because I believe they are retaliatory now because of this. I havent charged on the cards they want payed in 2 years and I pay down 40 more each months payment.

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 2022-10-23
Company: Experian Information Solutions Inc.
State: NV
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:
NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX  Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA 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 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX ( Hard Inquiries are list below, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX TD XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXXXXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX 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 2015-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A clerk of Bank of America named XXXX XXXX stole {$100.00} from my cash withdrawal today, Friday XXXX/XXXX/2015, at about XXXX CST. I closed my checking account number XXXX, with a cash withdrawal of {$780.00} but I only counted $ XXXX of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This account is not mine and needs to be removed asap someone was using my information. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : 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