BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Synchrony Bank consistently, in the past several years, labeled most of our deposits as " XXXX XXXX XXXX ", instead of labeling each deposit as from that specific institution where that deposit came from.. For example, when a deposit was from an external bank such as XXXX XXXX  or XXXX  XXXX XXXX , instead of labeling that deposit being from XXXX XXXX  or XXXX  XXXX XXXX XXXX Synchrony will simply label that deposit as " XXXX XXXX XXXX XXXX. This has happened to more than 100 deposits we had in our account in the last few years. Because of this practice by Synchrony Bank, there is no way we know where all those deposit came from. 

Such practice has prevented us from reconciling our account. As such, we do not know whether Synchrony has recorded the correct amount of deposit into our account each time. 

We have spoken with Synchrony multiple times. To date, Synchrony has ignored or refused to rectify this situation. 

Every other institution that we have banked with has a clear notation on our statement where each deposit came from. So, to me, what Synchrony is doing is quite unorthodox.

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 2023-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
An accordance with the fair credit reporting act. ( XXXX  ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-07-13
Company: MOHELA
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX check payments with account number, XXXX, noted on them were mailed to the Department of Education and all three checks cashed in XXXX. All three checks have the " XXXX XXXX XXXX XXXX XXXX '' on the back under the cash date. However, Mohela has only applied XXXX of the XXXX payments. I have called multiple times regarding this issue and have been told to wait for processing, wait for a call transfer to a different department, or wait on hold for a supervisor to become available resulting in a hold time of over an hour with no supervisor joining or call transfers being disconnected. I requested a refund of the XXXX payments under the special COVID rules. A refund was provided for only XXXX payments and not the third payment of {$1500.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
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:
XXXX  account number # XXXX showing in experian does nt belong to me.I kept calling experian and filling dispute and they never fixed it and I never got any debt verification letter despite numerous attempts

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 2023-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened an account in my name at Bank Of America on XX/XX/2023 and deposit XXXX on XX/XX/2023 then withdrew it out

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 2021-02-07
Company: EQUIFAX, INC.
State: MS
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:
Bankruptcy Court is not an information provider as we do not report any information to these agencies. 
Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. I spoke witht the courthouse and they not verify bankruptcy at all with you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Experian Information Solutions Inc.
State: IN
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:
On or about XX/XX/ 2021, consumer sent letter to Experian followed with FTC identity theft report of inquiries on consumer 's credit report which do not belong to consumer.

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 2023-07-13
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 reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2021-07-28
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was a victim of a scam a company name XXXX took XXXX out of my accounts I filled a claim with my bank and the bank denied the claim Wells Fargo

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 2020-10-29
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by I.Q. Data International on XX/XX/20 who was attempting to collect a false debt from me. This company accepted contract to represent their client XXXX  at XXXX XXXX XXXX XXXX XXXX Landlord ) to collect a debt that I did not owe. I.Q. Data International accepted this contract by their client even after their client violated Florida Statue 83.14. Now I.D Data International violated the Federal Fair Debt Collection Act. This company has called my work phone and disrupted my family time to collect a debt that I did not even owe. Their representatives were rude and condescending when I tried to get information about the debt they were trig to collect. In the end I had to follow their rules and send in a written request to see what the debt was for. The company never respond to my request which was received by them on XX/XX/20 at XXXX via certified mail ( Tracking number XXXX XXXX XXXX XXXX XXXX ) .Further on XX/XX/20 I retained a lawyer XXXX XXXX XXXX XXXX to also sent a letter to resolve this mater and not further effect my good credit. I. Q. Data also did not respond to my attorney. All documentation attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
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: Account information incorrect

Complaint:
Viewed credit report and it shows that XX/XX/XXXX payment is not showing correctly. It shows 30 days late when that is inaccurate. Payment of {$500.00} was due XX/XX/XXXX. A payment is {$250.00} was paid on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Another payment of {$250.00} was made on XX/XX/XXXX, at XXXX XXXX  confirmation number XXXX. Called XXXX and spoke for a supervisor at XXXX Bank, he verified that the payments were made correctly. A total of {$510.00} was made for the month of XXXX. Also, all dates listed need to reviewed. 
Current payment history XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late Previous reported payment history XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - 60 Days Late XX/XX/XXXX - 30 Days Late XX/XX/XXXX - Current

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 2023-07-13
Company: Experian Information Solutions 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:
XXXX XXXX account XXXX has verified as accurate. How is this account accurate if the term duration is in accurate, as well as the open date, the balance is inaccurate, last reported date is inaccurate, & the date last active is inaccurate, and most important my birthdate is wrong on my consumer report. Any automated response, or E-Oscar verification is unacceptable. I am requesting method of verification according to the Metro 2 Compliance standards. This listed item is entirely inaccurate and incomplete, and must be deleted. 

15 U.S.C. 1681 ( A ) ( 4 ). - I have the right to privacy.

15 U.S.C. 1681b ( A ) ( 2 ) - Consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( A ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681i ( 5 ) ( I ) -- If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, if the item is found to be inaccurate/incomplete it must be deleted.

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 2023-02-15
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: Information belongs to someone else

Complaint:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2019-04-17
Company: Michael Andrews & Associates LLC
State: MN
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 have had several credit inquiries from Michael Andrews and associates within the past year of XX/XX/XXXX.  These hard inquiries are without my knowledge or consent, and I have not had the option to obtain the report as required by law. The inquiries are from XX/XX/XXXX and XX/XX/XXXX, after calling the company they refused to provide me with information, and I was not willing to give my social security because they are already pulling my credit. They hung up on me and I still have no knowledge what this company has intentions on doing to my credit. After calling leaving a voice mail in their office to ceased and desist on inquiring my credit report I filed a complaint with the better business burial. I received another inquiry today XX/XX/XXXX from a simular company from the same address and contact information as Michael Andrews and Associates under a XXXX XXXX XXXX XXXX inquiring on an installment loan. These inquiries on my credit are unfair business practices and unlawful, due to my lack of knowledge on why they are even inquiring every 6 months or so and applying for loans that is unauthorized and the companies failure to provide that information as requested. I have no debt based on my credit report on all 3 reporting agencies and Ive pulled my credit recently to make sure of that. I will make sure this matter gets escalated as needed and resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I setup an income based repayment plan in XXXX. 2017 reducing my monthly payments from {$540.00} to {$120.00}. This made paying my student loans more convenient based on my earnings. 

Three months later, i find that the payments i have been making on this account has only been going to interest payments. I called XXXX and they informed me that the monthly payments always get applied to interest payments first. I graduated with a degree in XXXX XXXX XXXX and i work with amortization and interest capitalization schedules on a daily basis. I have an in depth understanding of how loans work and i am displeased with the deceptive practices by XXXX. 

My issue with XXXX is that they did not provide adequate information to the consumer of the loan when offering to lower their monthly payments. Their pitch to the customer is that you can qualify for reduced income based repayment plans and it will reduce the financial burden of your student loans. I was only provided with the reduced payment amount and nothing else. I was not given any information on how the payments would affect my loan nor was i given an amortization schedule for the new loan payments. 

Customers who qualify for reduced loan payments would gladly choose to have somewhat higher payment amounts if they find out that the reduced payment amount would not be affecting the balance on the loan. Essentially, the income based repayment is just a way for the loan company to make more money in the form of interest payments while the consumer gets no real debt relief. Once the loan gets recapitalized, the customer goes back to square one with respect to the balance of the loan. 

I am a firm believer in personal responsibility and for consumers taking responsibility for their decisions. However, this practice is deceitful and is harmful to student loan borrowers who are already saddled with large amounts of debt. Customers should be provided with new loan terms whenever adjustments are made to existing loans in order for them to make better decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Car was refinanced from this company It should not read charged off

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 2019-11-02
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/19 Sunrise Credit Services is saying I owe them $ XXXX.I have never had an account with this company, nor do I owe them {$550.00}. Ive previously disputed this and I dont know why this is still on my credit. They have yet to produce a signed copy of my signature stating I have an account with them.

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 2019-11-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My ex husband and I had a joint account at Best Buy. He agreed to take the account and the debt in our divorce agreement. Citibank is refusing to remove me as a joint account holder although I am no longer legally responsible for any debt incurred on that account from the date of separation. My credit score just dropped 35 points because the balance increased by {$1000.00} and is now over the credit limit by {$500.00} due to his mismanagement of paying a promotional balance in the set time frame and being hit with an exorbitant finance charge. I do not have the full account number but the primary account holder is XXXX XXXX XXXX and the last four digits of the Best Buy account number are XXXX. 
I want to be removed from this account immediately. Simply having the account closed will not resolve the impact to my credit score. Citibank should be providing excellent customer service in this matter by removing me. Best Buy no longer offers joint accounts for this very reason. I should not be penalized for something that is no longer even in effect when it comes to applying for a Best Buy card.

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 2019-11-02
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX XXXX/XXXX XXXX and XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: NAVY FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
I have disputed several items regarding NAVY FEDERAL CREDIT UNION that do not belong to me, however they are reporting to my XXXX  report. I disputed the item with both Navy and XXXX. I have stated that these items belong either to identity theft or placing accounts that belong to my father on mine. XXXX  unlawfully combined my credit report into 2 different reports and I believe this information from Navy Federal Credit Union is part of this. I am attaching a letter sent to XXXX  and XXXX  requesting an investigation into my dispute under Section 609, 611 FCRA and as of the submission of this complaint, XXXX has not responded to my request, they only verified the information as accurate when the information is not accurate as they do not belong to me. XXXX  and Navy have violated The Fair Credit Reporting Act by not conducting a proper investigation into my dispute, by not providing to me, specific documents I have requested regarding my dispute with Navy Federal Credit Union. More than 30 days have elapsed, an investigation in accordance with Section 609, 611 FCRA has not been conducted and I have not been provided any documentation in connection with my dispute regarding Navy Federal Credit Union. Please find the attached dispute letter under Section 609, 611 FCRA as I request any derogatory report from Navy Federal Credit Union be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
When I pay a minimum payment on Synchrony Bank Care Credit they apply that to the NEXT month 's promotion that is due, not the one that is expiring within a week. If you want that payment applied to the promotion that is expiring in a week as opposed to the next month they won't do it as a matter of course. Rather the credit card holder has to contact them and request the payment be applied to the payment due. For example when a payment is made on the due date of XXXX, Synchrony will apply the XXXX payment to a promotion expirig on XX/XX/10 ( the next month ) leaving the XX/XX/10 promotion due and subject to interest on the ENTIRE original purchase amount. This practice is deceptive and a clear way they are trying to trick consumers in to paying interest on a payment promotion that they were intending to pay off with the payment they just made. This company should correct this sneaky practice and as a matter of standard practice apply the payment to the closest promotional due date. It seems like what they are doing really should be illegal if it isn't already it's clearly a way to try and trick the consumer who thinks they paid off a promotional balance.

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