BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX has been calling me for years. I talked to them a couple of times, but refused to send me any kind of documentation. I will not pay a bill over the phone and/or without a written demand letter. I sent them a letter last month requesting written documentation regarding the debt. I received two documents from them in response. 
However, both state that the documents were " Not an attempt to collect a debt ''. If they are not trying to collect on a debt, then why are they calling 2-3 times a day, every day of the week? They even called this morning at XXXX XXXX  and XXXX XXXX  and they have now called me at XXXX XXXX. Each time, never leaving a message. They either need to send me a demand letter or stop harassing me and remove their names from my credit reports. I also need a letter from someone stating that. Thank you!

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 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 2020-01-05
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Hello, I attended University XXXX XXXX from XXXX until withdrawing from XXXX XXXX XX/XX/XXXX. Initially, I was encouraged to attend University XXXX XXXX as an option to finish my education online. The representatives of University XXXX XXXX shared charts and data detailing their success rate for Job placement, which made me more excited about the opportunity of enrolling. I went through their XXXX XXXX program, XXXX XXXX program, and Started the XXXX XXXX courses. In hopes of landing a higher paying job. While in school throughout those years. I was not offered one job, not a single offer. The only success I had was accumulating Debt, unfortunately. Clearly, the claims they made about job placement and new opportunity were all false claims. I was even showed data detailing their direct contact with XXXX  XXXX companies. I was unsuccessful in any job placements. This story ended with me {$72000.00} in debt. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
With respect to CFPB complaints XXXX and XXXX In the complaints dated XX/XX/2019, the following hard inquiries were disputed with TransUnion and XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CT XXXX XXXX XXXX XXXX Cr XXXX XXXX, MD XXXX XXXX, PA XXXX XXXX   XXXX XXXX XXXX XXXX, UT, XXXX In light of the fact that the complaint were filled XX/XX/2019 and to this date a response has not been reported with the CFPB, I hereby request that all the items identified in the complaints be immediately deleted in accordance with FCRA.

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 2021-06-16
Company: Mercedes Benz Financial Services
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
the following accounts appear on my credit report without authorization Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

Identity Theft XXXX  XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Collection Bureau of America Ltd.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received debt from collection bureau of america, stating i had a ticket from XXXX, I paid the full amount to not have any issues since I have good credit. Company refuses to email/fax or mail letter stating that bill was paid in full and account closed. Called company several times with a lie being told that they have email letter, but never receiving it, company took the money but wouldn't provided an proof stating that account is closed and paid. Attached letter from company with confirmation number showing that payment was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Attention : XXXX XXXX Citibank and the merchant has made false allegations about this disputed transaction. In the letter dated XX/XX/2020, Citibank claims that the services were provided by the merchant - and that the customer arrived after the service had ended for the day. 

These are false statements and hence the transaction remains disputed. Please ask the merchant to provide evidence that the customer " arrived after the service had ended for the day. '' The customer arrived within the promised time and the merchant denied the customer the prepaid service. 

If the merchant is unable to provide any evidence that supports their claim that the customer arrived late, then, please re-open this dispute and rescind the funds from the merchant 's bank. 

Thank you

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 2020-01-05
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:
APR is 279.50 % which is over the required limit. 
Withdraw funds from two different accounts when just link to one account to withdraw. 
Monthly payment are expensive up to about {$260.00}. Which much of nothing goes to principle or balance. 
Will not comply with debt consolidation program. 
Lot of negative reviews from people who have been scam even after they paid the complete balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: SYNCHRONY FINANCIAL
State: WI
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:
On XX/XX/2018 an inquiry was made by XXXX credit using my social security number. It is still on my credit report. This has affected my credit score and my ability to obtain credit from other creditors. I did NOT authorize XXXX credit to run my credit to obtain any services from them! I called them and received a letter saying it was fraud and it still has not been removed from my credit report! I want this company fined! XXXX credit is known to run credit without peoples consent! Please fine this company! This is affecting my credit report and my score!

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 incorrect personal and contact information on my consumer credit reports. There is also information reported and inquiries made that I have not authorized. 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 non-monetary relief
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

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 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
ALL 3 " CRA '' REPORTING INCORRECT " XXXX '' DATA OF PUBLIC RECORDS BANKRUPTCY CH XXXX NOT MY ACCOUNT

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 2021-02-02
Company: Winklevoss Exchange LLC
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have {$20000.00} in my account at Gemini. I have been unable to sign in to my account since XX/XX/21 ( see below ) Despite numerous emails asking for help I have not had a response, other than such as below. I wanted to move my money, and since I can't get into my account, it is unavailable to me, a breach in our contract, I feel. 
This company can not be accessed via telephone. It is playing games with my money and deserves sanctions. 
XXXX XXXX Gemini Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to me # # - Please type your reply above this line - # # Our team of experts are diligently working to respond to all requests, due to higher than normal ticket volumes, responses are taking longer than usual. 

In the meantime, our help center is a great resource to find the answers to most questions about Gemini! https : //support.gemini.com/. If you were able to find a solution to your issue we would greatly appreciate it if you let us know by responding to this email. 

We are committed to providing exceptional customer service and appreciate your patience. 

Onward & Upward! 
Gemini Customer Support [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase small business credit card account received letter that they will be closing account when the card expires ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-04
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The Shellpoint Mortgage Servicing ( https : //www.shellpointmortgageservicing.com ) forced me to buy Lender Placed Hazard Disbursement in-spite of us providing it.Even after providing the certificate of proof and multiple followups, they are not refusing to remove it or stop charging me every month for it. 

As a result they have bumped up the ESCROW payment by about XXXX  a month, they always say they are going to fix it once their insurance department verifies it, but they have not done anything for over 3-4 months. 

Meanwhile, in XXXX they reported delinquency in payment to credit bureau and chose to spoil my and my wife 's credit report rather than addressing the problem. 

Yesterday, I spoke with them again and their representative told me that they " might '' be able to reconsider as it has been a while ... .And promised to get back to me but no one called me back. I also asked the representative to initiate a complaint but he did not do anything about it. 

The mortgage provider is well aware that we are trying to get this refinanced, their refusal to address the issues, raising my payments, and reporting to credit bureaus. 

I and my wife have called them at least 10-15 times  regarding the same issue.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had to attend XXXX XXXX in Florida when I only had XXXX XXXX insurance so I had to go to the XXXX XXXX to be covered. The visit should have been covered by insurance and wasnt XXXX XXXX still billed me. I ended up paying it and I have a letter with proof of payment. This collection company will not remove it and then Insists I still havent paid the bill. This should be covered by the surprise bill act. But it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
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:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.

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 2018-01-22
Company: EQUIFAX, INC.
State: AL
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 have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
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:
Please be advised that the status of the following accounts on my credit reports has been brought to my attention. The accounts are reporting inaccurate information and are not mine. This is not in compliance with the FCRA. 

XXXX  XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account. 
XXXX XXXX XXXX XXXX - This account is not accurate as I never authorized this account.. 
XXXX XXXX - This account is not accurate as I never authorized this account

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 2022-12-10
Company: EQUIFAX, INC.
State: MD
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 is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: Genesis FS Card Services, Inc.
State: NC
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 XXXX XXXX XXXX XXXX FEB Destiny, and

CB Indigo have violated my rights.

15 USC 1681 Sections 602 States I have the right to privacy.

15 USC 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. XXXX XXXX on XX/XX/2021, and XXXX XX/XX/2021. 
2. XXXXXXXX  XXXX XX/XX/2021. 
3. XXXX on XXXX the 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 2018-02-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The complaint is regarding XXXX and their inaccurate count of my Public Service Loan Forgiveness Qualifying Payments. 

I submitted my employment verification form to XXXX XXXX this past XX/XX/XXXX, which initiated a transfer of my loans to XXXX from XXXX. I have been repaying my loans to XXXX via an income-based-repayment plan ( PAYE ) since late XX/XX/XXXX. I should have approximately 32 qualifying payments for PSLF on record from the date that my loans transferred to XXXX, however my qualifying payment count still says " 0 '' on the XXXX   website. 

This is frustrating because I have called XXXX on multiple occasions on multiple occasions regarding this, and have been told that the problem will be corrected within 90 days, however I am now well over that 90 mark and my payment count still says " 0. '' I have made several career decisions based on the promise of PSLF, so this delay concerns me deeply.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 to my credit reports. I never received any notifications in regards to the investigation results. It has now been 30 days since I filed a 30-day demand to comply with the Credit Bureaus and still have yet to receive a response.

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 2019-09-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This compliant is file against Experian consumer credit report agency. here are the fact American Experian account # XXXX XXXX XXXX office locator in XXXX XXXX FL this is a corporation account have no place on any one personal credit report there was no personal Guarantee to obtain this line of credit for the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX.is a Limiter Liability company ) is a corporate structure in the united state where by the owner are not personally Liable for company 's debts or Liable. Limited Liability companies are hydride entities that company Law state that a business XXXX can not be Legally forced to used personal pony to pay business debt. there is a agency that company can report company who failed to pay there account it call XXXX report agency that who they collect the information from to grant the credit to the company. iam not personal responabile for company debt, but Experian just let anyone place neg information on any one credit they did follow the rule.

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