BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Hi it was been almost 6 months I am involved with a item from XXXX for {$1300.00} under credit card PayPal which working together Synchury bank. I explained to them that machine was broken and they must refund the items money to their account but they kept me away from issue by telling me wait wait we put dispute and they are under wastage. I wait and called every months three times. Again and again PayPal credit and Synchrony bank belam each other and said to me its our not responsibility its synchrony bank responsibility and they said its paypsy ctedit responsibility. When I call to them two employees answer my phone and said already refund its here and money its here in your account but when she connected me to manager he yelled in me and said who said that the money refund and disrespectfuly shut the phone on me and didnt call back to say sorry for disconnecting. He said you must wait for another 90 days because the case its under vastagation. I wait and I wait another months I called again one day they said money its here but its takes time to go to account. You must pay your regular payment until this issue solve. I called to XXXX XXXX the place that purchased. I connected to him and he said already this money deducted from our account. But PayPal and synchrotrony bank dont want accept this I attached his email. They ended up that case its under favor of seller while seller says they already deducted money. Now they not okay deducted their money and its in their account but also ended up case to seller favor and put me under charge for {$1300.00} while I called many times they said you must wait 90 days passed from dispute they kept me away to finished the process and close the case. Because I cant rich my voice to any responsible person. They taking of my language when I called as second language.please support me help to stand up for my right because I am against two powerful business companies that taking of my language and since I am woman they not listen to my voice. Please help me while seller get back his item and bank get back money in their credit company and bank they want charge me for nothing.

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 2021-10-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1.XXXX XXXX XXXX -The date opened is incorrect and the high credit limit is reporting incorrect. 
-Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION.

-Please remove from my report 2.Citi XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 3.XXXX  XXXX XXXX  XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 4.XXXX XXXX -Incorrect information, monthly payment, date opened, balance, high credit limit and credit limit are all reporting inaccurately -Under 15 USC 1666B this is a billing error always paid as agreed this account is IN VIOLATION. 
-Please remove from my report 5.XXXX XXXX XXXX XXXX **** Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries I do not recognize.

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 2021-10-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions Inc.
State: LA
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:
THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY

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 2021-06-23
Company: JPMORGAN CHASE & CO.
State: CO
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:
was doubled charged for a purchase from XXXX XXXX  XXXX XXXX in Louisiana for {$100.00} on XX/XX/2021. Contacted merchant, they said they would credit my card, they didn't. Contacted Chase, they denied me because the receipts show I signed, but it is not my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently discovered that I C System Inc has been reporting an outstanding XXXX debt ( XXXX XXXX Hospital ) to my credit since XX/XX/2015. I do not owe this. I don't know how XXXX determined anything was owed to them since payment was made at the time services were rendered. It's not like my XXXX can walk in on his own and have services billed to me. I have attempted to dispute this debt to both IC System and the XXXX XXXX office, to no avail. I have asked for proof of this debt and received no response. IC System simply keeps verifying it as accurate without ever actually telling me how.

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 2022-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My sister bounced XXXX checks to XXXX XXXX for an account in my name. XXXX XXXX closed the account. She went to Bank of America got a cashiers check for total balance owed and sent it to XXXX XXXX. Bank of America never released the cash to XXXX XXXX and told us for over three years they did. They refuse to contact me now that they have caught the mistake. I would love to go on at length about the ruin this has caused me over the last three years, but I think it must be obvious. XXXX XXXX have to live with my parents , drive 20+ year old car, obviously have no partner I can directly trace this all back to them. I also make {$70000.00} a year and still this is haunting me

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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX XXXX I requested a loan or cash promotional to chase 0 % APR for a year This caused that I started receiving interest charges in my statements. 
Called the bank on XXXX and a representative told me that as long as pay my purchases plus the minimum payment I wouldn't receive interest charges. 
That happen the next month I didnt receive interest, but the next statement I did. 
Called again the bank on XXXX and spoke with an specialist that didnt explain well what I needed to do for no receiving interest charges, she said to pay the full balance, but I answer what about your promo of 0 % apr ; at the end she ended hang up on me without solution to my issue. 
I continued receiving monthly interest charges the next months. 
I called the bank again on XXXX and an specialist explained that new purchases cause interest from the first day because the terms changed after I requested the loan. 
What I requesting from Chase Bank is to remove the monthly interest charges they charged me, because they Never explained clearly the change in terms and when I spoke with two representatives they gave me wrong information or didnt explain clearly. 
They promised to send me a letter explanatory of this which I didnt receive. 
This is like the Bank offers you a promotion but they change you the terms in order to charge you interest which didnt happen before when you didnt have the promotional. 
Bank should gave you these change of terms in writing or be more direct and specific that this would change other way clients wouldn't be aware of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: National Commercial Services, Inc
State: NM
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:
I rented computer systems for my XXXX  which I was in process of purchasing. The property owner had locked me out of the establishment. He continued to conduct business a week later under my XXXX using my computer systems. This situation did go to court. I was locked out of the establishment and was unable to return the computer systems I rented he was also still using them to run the business. Therefore, this XXXX XXXX XXXX was contacted by my lawyer and myself multiple times, advising them that it needs to be removed from my personal credit report. As this original contract for the computer rentals was originated under my XXXX. Recently received credit report for a home loan to find, the amount stating {$16000.00} total amount owed and monthly payment of {$12000.00}? this alone is an accurate total amount reported.

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 2020-01-21
Company: Trident Asset Management, L.L.C.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Got my credit report it said that someone named XXXX XXXX is using my info since like 2016! I called the company they gave me XXXX and got a hang up! Went online and saw that these people have ripped others off! Think it has something to do with XXXX XXXX and I dont have an account with them nor have I used this name ... .They are ruining my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Good Morning Here are just some of the documents and " real time '' correspondence that I was sending to Santander over the course of the term of the Car loan. As I advised the initial woman I spoke with earlier, I made what I thought was my final payment on XXXX XXXX of {$500.00} ; only to be told that I now owed an additional {$8000.00} and then they stated I was past due for that amount ( they placed a 30 day late on my Credit Report on XX/XX/XXXX ) and a 60 day late notice even though they were " refinancing '' the vehicle with a date of XX/XX/XXXX. 

Some Highlighted Notes : * My care was physically damaged on the Second Unlawful Repossession ( XX/XX/XXXX ), and I filed a claim with the lending company, Santander. They have never addressed the claim. I repeatedly sent the requested information, and was repeatedly told they were working on it. I also was asked to send a demand letter, which I did. They are now stating that the damages happened " too long ago '' although I immediately reported it. I have kept all written records as well as recorded calls. Please see attached sample for PROOF. 

* I was able to attach a recorded call from XX/XX/XXXX to validate a real-time conversation surrounding the separate repossession, double billing, and damage to the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Source Receivables Management LLC
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: Their investigation did not fix an error on your report

Complaint:
I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

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 2023-04-11
Company: EQUIFAX, INC.
State: KY
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$28000.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2018-08-10
Company: PNC Bank N.A.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
PNC is the company I am having a dispute with. I sent in a form to change my payment date. They did not process the payment date change in time. I went online and paid my bill last month, for some reason the payment was reversed even though funds were available in the account selected and the only reason I set up online bill pay was because I would be charged if I continued to pay over the phone. I was contacted by the company saying i was 37 days past dude 10 days of my payment was reversed and I was not aware of the reversal. I made a payment on the phone today with the rep and asked to have the late charges removed and the info removed from my credit report to avoid it lowering my credit score since I attempted to pay, they said they can not help me even though she apologized on behalf of PNC for the inconvenience regarding the payment date change, payment reversal, and incorrect processing of the payment due date change.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
this account is 9 years old, the information that they have in the system is the following " due to the age of this debt, we will not sue you or report it payment or not payment to the credit bureau. 

open date XX/XX/2007 for the amount of {$600.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-08
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:
Hello and I went to my bank to try and get a loan to go back to school. My banker told me that they could not give me the loan at the time because of my credit. I pulled my credit and there are some stuff on there that is not mine. Please remove them from my credit report so I can go back to school and make a better life for my family. I've contacted the FTC and my local police. I'm doing this on my own. 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 non-monetary relief
Consumer complaint received 2018-08-10
Company: WELLS FARGO & COMPANY
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:
Very simple. I used the card for business transactions XXXX XXXX XXXX   XXXX. I shipped a tv from XXXX XXXX IN XXXX TO XXXX. XXXX   damaged the tv and I never received it. Wells Fargo denied my claim to dispute the {$110.00} charged to me to ship it and I never even received the service. This is not the first time I have tried to get money back from a bad transaction before. I never even got far the rep was so mean and discriminative. They just dont help you. I want my money back. My tv is gone! Damaged. Im in XXXX I can not go back to XXXX for a damaged tv. The tv is stuck in 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