BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-22
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Lowes credit card ( synchrony bank ) is turning down my dispute for roughly XXXX $ they lied on the phone and said all my signatures are on the receipts with in the 56 transactions Ive opened 5 claims sinceXX/XX/XXXX sent affidavits which they say they never received which Ive mailed faxed everything. They wont send me the proof of receipts with the signatures. This is ruining my credit and they are breaking their 100 % fraud they had in there forms when I applied for the credit card and they have record of my account being hacked and turned over with other peoples information took me months to get the info changed back to my information. I just want this dispute closed and off my records worst credit card services with no protection would high recommend to not do anything through synchrony bank

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 2020-05-07
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Due to the corona virus pandemic the government stopped student loan garnishments out of paycheck way back in XXXX until XX/XX/XXXX. As of XX/XX/XXXX they have not stopped taking money out of my check and they refuse to answer call in regards to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX applied for private loans on my behalf without disclosing the information. The loans are well over 7 years old and should be removed, however, they've appeared on my credit report. The debtor participated in illegal collection tactics by calling my employer and routed to the call center. Each day a different peer of mine reached out to let me know XXXX call. The entire call center was aware that I had student loan debt in XXXX. I entered a borrower 's defense claim in XXXX due to unfair practices. XXXX XXXX XXXX never helped me find a job as promised, instead listed my current job with my current employer as job placement. I still don't make the XXXX a year salary that was promised when I enrolled. I attempted to consolidate my loans after XXXX, the collection agency began to call my job and talk to everyone about the debt. XXXX only consolidated a portion of my loans and left others out. I was under the impression that I was paying on all of my loans and later found out that the private loans were charged off. Made no sense. If I couldn't consolidate them all then why bother with consolidation. Since then, I've been following up on the Borrower 's Defense claim for 4 years only to be told that my claim is still being reviewed. I've been included in 2 class action lawsuits. One for improper collection activity and the other for Borrower 's defense. Yet XXXX continues to report every month to the collection agencies of bad debt when I've been working for 4 years to resolve the matter. This issue has prevented me from being able to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Transunion is not reporting my mortgage from 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 2019-02-08
Company: Caliber Home Loans, Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have been in a foreclosure where the loan has been transferred between at least 10 different servicers over several years. We have documented multiple missing payments that we proved were paid and multiple undefined charges just marked as " fee ''. We have agreed to a pre-approved mortgage trial/modification plan but the servicer still foreclosed during an agreed upon time that they would not foreclose. They have been DUEL TRACKING on this loan. On XX/XX/2019 we received a letter from Caliber Home Loans that was dated XX/XX/2019 with an offer for a pre-approved trial/modification offer stating we have until XX/XX/XXXX to accept and that there would not be foreclosure while the trial/modification is being followed. We mailed the signed offer to them on XX/XX/2019 with a letter attached that said we agree to the plan but wanted to know what the amount of principle balance would be after the 5 year modification plan ended. XXXX, XXXX and XXXX scheduled a hearing on XX/XX/2019 asking the judge for summary judgement in the case even though we had an agreement not to foreclose unless the plan requirements are not met in the 3 month trial. I went to this hearing and informed the Judge and Calibers attorney that we had agreed to the offer and were waiting for the request for post modification principle balance. The Judge granted Calibers summary Judgement on XX/XX/2019 even though both the Judge and the attorney had been informed of the agreement between us and Caliber. 
On XX/XX/2019 XXXX XXXX, Calibers attorney, called and said that Caliber asked him to notify us that the amount of principle still owed after the trial/modifications 5 year period would be XXXX XXXX.I was very mad at first because the principle balance after the 5 year plan was more than the claim, but that night on XX/XX/2019 after telling my husband of the offer he said to just send the payment and move on. So within 4 business days of XXXX XXXX XXXX phone call acknowledging that Caliber had received the signed offer and answering our after modification principle balance question we sent the first payment due by the end of XX/XX/XXXX only to find out later that evening when opening our mail that they had foreclosed 2 days before XXXX XXXX even called. 
This is DUEL TRACKING which is against the law both Federal and state.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
This is a continuation of account number XXXX, submitted on XX/XX/2021 closed on XX/XX/2021. 

Although the letter received from the company ( Macy 's ) states that there indeed WAS a mistake and the account was duplicated and would be corrected, I have since received letters stating that there was not an error and no corrections would be made.

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 2020-05-07
Company: Experian Information Solutions Inc.
State: CA
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:
Experian should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$XXXX} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. I have contacted the bureau to remove this however, I have not been successful.

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 2019-02-08
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled credit report and found out that Credit Collection Services ( CCS ) listed a collection account # XXXX saying that I owed them an alleged {$250.00} for unpaid debt with XXXX as the original creditor of car insurance not paid. 

I disputed it and asked for validation. 

On CCS 's letter to me dated XX/XX/XXXX they sent the attached XXXX XXXX statement saying I did not pay for the insurance from XX/XX/XXXX to XX/XX/XXXX. 

This is a false statement because my insurance account did not extend to the period they are trying to collect. My insurance with them was from XX/XX/XXXX to XX/XX/XXXX. The policy ended on XX/XX/XXXX and I did not renew the policy with them. So the alleged {$250.00} they are trying to collect in not mine. ( see attached XX/XX/XXXX). 

XXXX XXXX 's statement that " the payment I made was not enough to completely cover the time insured XX/XX/XXXX to XX/XX/XXXX '', is a false and untrue statement because I did not renew the policy for that period and therefore was not insured by them within that alleged time. And I did not make any payment within the alleged time from XX/XX/XXXX to XX/XX/XXXX. 

I did not approve the changes they had to renew the police and decided not to make the payment that would have been the means of acceptance as per their request. 

I did not renew the policy and therefore I did not have to pay them for service they did not provide. And I am not obligated to tell them who I insures with. 

CCS reporting false and inaccurate information on my credit record is in violation of the XXXX XXXX XXXX, FCRA and FDCPA. 

So I want CCS to remove this false information from my credit record. According to these XXXX XXXX XXXX, FCRA and FDCPA, inaccurate report must be removed and deleted from my credit record immediately. 

And I want CCS to notify me when this false and inaccurate report has been deleted from my credit record in accordance with FCRA and FDCPA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Better Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attached full email conversation. 

I applied for the mortgage on XXXX for my first ever house. I was still shopping for the mortgage and comparing interest rates with several lenders. I never showed any sign to finalize my home loan with better mortgage. At this time property inspection was still pending. 

Better mortgage went ahead and without my content ( even without informing me or my real estate agent ), communicated to seller, booked an appointment and did the appraisal process on XXXX. I was never informed about this. I never paid for or asked for any appraisal service. It seems like better mortgage directly contacted the seller and booked the appointment for appraisal. The seller is an old lady, she though better mortgage company went for appraisal because I asked them to do so. Now both the seller and listing agent is mad at me and the purchase dealing is at risk. 

In the loan estimates provided by XXXX, they have printed {$500.00} for the appraisal service, to be paid. But I never signed the consent for that, never I ordered for appraisal. 

I came to know about entire scenario from the seller of the house. XXXX never informed me about it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Today I went to XXXX XXXX to open a checking account. I got denied opening a bank acct by XXXX due to Experian credit reporting company. I feel that this issue been going on for a long time. I had tried to resolve this issues before. I feel that experian is biased and uses unfair practices regarding my credit report. If this issue it's not resolved. I will take legal action against both companies regarding credit reporting and refusal for opening bank. I will sue both companies and I will contact my senator regarding this issue and will be consulting attorneys regarding this issue. I'm XXXX veteran and I can't even open a bank acct. That's ridiculous

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 2018-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed XXXX XXXX several times with the credit Bureaus due to inaccurate information showing on my credit reports. Transunion continues to report even though they have not shown how the account was verified as accurate. 
XXXX was also reporting and once I disputed the inaccurate information, they removed the account from my credit report. Transunion is violating my consumer rights by continuing to report this account without properly validating the debt and finding the inaccuracies that are being 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 2021-09-08
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: Account information incorrect

Complaint:
XXXX XXXX states the account was paid off on XX/XX/2021. I need credit report updated to purchase another vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
For the last few months I have been in correspondence with the bureaus to discuss errors on an account that is being reported on my credit report. I have been assured that the account is reporting accurately ( in writing ) and this account meets FCRA requirements.. however I have been investing too much time asking them to look into this account and it's costing me money sending correspondence ( which I would like to reimbursement for ). I am escalating this matter to put this to an end an come to a resolution of removing this account from my credit report. I will be circling my findings for easy viewing and expect the hear back at my address listed. Also send me a new credit report showing deleted items.

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 2019-02-08
Company: DISCOVER BANK
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: Card was charged for something you did not purchase with the card

Complaint:
I made a purchase with my credit union credit card to XXXX XXXX XXXX for XXXX for two adult ski packages. I used and received a paid in full receipt using my credit union credit/debit card ending in XXXX. Approximately one month after making purchase and receiving items I was billed/charged by XXXX XXXX XXXX to my discover card for XXXX for same purchase already paid for. Merchant never called my or my credit union. I reported this as fraud to Discover Card. Discover stated that merchant claims that authorization to visa had expired but they had already shipped items so they took it upon themselves to review my purchase history and charged my discover card without my authorization. Still to this date, merchant has never attempted to call myself or my credit union to correct. I never authorized my discover card to be used. I reported same to Discover fraud, I have spoken to three females form the fraud department the week of XX/XX/2019, each person did not care that a fraudulent transaction had occurred. I advised them I had correspondence from merchant stating that they used my card without permission, as well as a paid in full receipt from merchant showing I used my visa card. Discover first removed the charge from my account, but two days later when I closed my account they put the charge back on my account knowing full well I never authorized this purchase. At time of this report Merchant owes me XXXX for returned items. Discover was made aware but dont care. All parties at discover refused to provide contact information so I could serve them with subpoena. I wish to pursue criminal action against Discover card and all three ladies from fraud department that spoke with me regarding same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company violated my rights under the FDCPA by continuing to attempt to collect the debt after I requested a debt validation and before they sent the validation to me.

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer a consumer request is received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
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: Reporting company used your report improperly

Complaint:
Experian tries to lure people in to their Boost ability to boost your credit score, this does boost it with utilities if they are paid on time. BUT they are now supplying all of your bank information ( which was the original goal ) to get into your bank account. 
Yes you can turn this off but your score will drop now. I plan to get my score up and then shut this down. 
This is an invasion or privacy and the whole world now knows how much money or cash flow is in your bank account. 
These are private companies and should not allowed to provide this information. 
I have contacte the boost dept many times and get people in other countries not even the US.

I would like to have someone from that dept contact me.

there are discrepancies and I need them fixed. I don't want to speak to the anyone expect US citizen. 
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 2018-07-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express is a disgraceful company. I asked them on multiple and multiple occasions to give me a refund, send me a check. I have a - {$200.00} balance on balance. I asked them several times months ago, THEY REFUSED TO SEND ME A CHECK. One customer service guy even laughed at me for Having an XXXX Name, VERY RACIST. Why did they not send the check? I had trouble with buying food and rent. I asked them multiple mulitple times, send me a check. And then when they finally send me check, i asked what compensation do you have for FAILING to ABIDE by contracts, and failing to following government consumer law, and failing to provide customer service, or abide by California policy. They said NOTHING, and laughed at me, it is like they do everything to disrespect/fraud people, THEY STOLE my money for a while, laughed at my face, and did nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: Experian Information Solutions Inc.
State: OH
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:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX*, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 (  1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX** is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 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 non-monetary relief