BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: SYNCHRONY FINANCIAL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have tried to contact PayPal twice, and Im getting no answers as to why my credit and balance owed do not add up, showing I owe more on the credit card then I should, and there are two charges that were charged twice for the same charge. Representatives appear to not know how to resolve the problem or able to see what the problem is. Im unable to resolve this with the company, I want to get out of using PayPal. I am trying to pay off the card so I can close it but they still show amounts oh that dont make sense.

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 2019-05-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Experian Credit www.experian.com Does not offer any live human customer support. I tried for 45 minutes going through the various automated prompts and then XXXX any other numbers and found multiple other people had the same problem. They keep redirecting you to their website options and by no means can you get a live person. Absolutely unfair and I feel unethical for a company that holds so much weight in our lives controlling our credit scores and you can't get anyone to help you. 

Here 's the main customer support # on their site ( and I tried many many others ). Same result. I called well within hours of operation also. 

XXXX Hours of operation : Mon - Fri : XXXX XXXX - XXXX XXXX   PTSat - Sun : XXXX XXXX - XXXX XXXX PT 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 2021-04-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2020 I sent a letter to XXXX  requesting they either send me proof for the following inaccurate items on my credit report : Item : XXXX XXXX, XXXX. 
Account # : XXXX Reason : NOT MY ACCOUNT Item : XXXX XXXX XXXX Account # : XXXX Reason : Not My Account Item : XXXX XXXX XXXX closed ) Reason : Not My Account ( Attached is documentation from XXXX stating that after conducting their investigation they discovered that this collection account is not my account and it was deleted, so I would like for it to be deleted from your records as well ). 

I stated I need documentation that these accounts are mine since they are being reported on my credit report. I also stated if they did not respond to my letter within 30 days of me sending the letter out, these items would have to be deleted for not providing proof. They still have not responded to my letters so that is the reason I am reaching out here today. I would like the following above items removed from my credit report if they can not accurately provide proof that these accounts are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have complained several times about the constant calls. They continue to call every day 5 to 10 times a day. The last excuse was to remind me of payment due. I am on XXXX and Federal payments are exempt according to Fair debt collection act. Yet they continue harassing me continue to add fees and interest. Now I have a bill that is tripled and getting letters from a law firm next. 
This place is supposed to help support consumers and I am yet to see any results. I wonder if I am writing to a machine because it's being ignored. XX/XX/2018 was bill of around {$2200.00} a week later it was an interest addition to bill of {$500.00}. Then it was late fees on top of penalties raising interested for late fees and this never stopped until debt has doubled. Now they can look good by taking less and still get full value of total debt. If the law allowed to take Federal funding which it does not. They violated several laws and continue to get away with this.

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 2021-11-10
Company: AES/PHEAA
State: CT
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:
I have spoken to FedLoans multiple times about incorrect payments for PSLF. I requested recount 2 years ago and received an email on XX/XX/XXXX but many of the payments were still incorrect. I asked for a new recount on XX/XX/XXXX, and still have not received this. Many of my loans had bills created without credit given making my PSLF counts discrepant. All were paid via automatic direct deposit with some loans being credited and others not. Further, I was put into deferment by XXXX XXXX against my request, and payments from XXXX - XX/XX/XXXX have variable counts across my 13 different loans. I would like this explored and payments to retroactively count for PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
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: Information belongs to someone else

Complaint:
I noticed the company XXXX XXXX reporting an inaccurate and fraudulent debt on my credit report. I initiated a dispute and requesting to validate and and investigate the debt since that seems to always be the 1st step to credit solutions. The company failed to respond AT ALL to that initial request. I also called them and had to argue with a representative in order to talk to someone in Compliance regarding their failure to respond to the validation letter. I spoke to " XXXX '' in compliance because XXXX the director was out according to her. She asked for time to investigate and that she would later get back to me. She never did. Two entire weeks passed and then I called her again to find out what the next step was. She said there was nothing to do because they have phone calls and that the " account info '' that they have on file is deemed as accurate. I asked her how? And if that's what the company has concluded I am legally entitled to see this " proof '' of what I have been telling them is FRAUD. She then goes on to tell me that they ONLY way she will send me proof that the company DID respond to my validation letter is IF I SEND A CERTIFIED MAIL RECEIPT -- - that is illegal and A LIE. I don't need to send any letters Certified Mail that is NOT a requirement for them to do their job. I then tell her that she is lying to my face about that being a " rule '' and that she is wasting my time. She then asked me if i sent over a police report. I told her NO, i did not send one over because YOUR COMPANY never told me what procedure to take or what direction to go in. To INITIATE A DISPUTE THAT IS NOT LISTED under the FCRA to submit a Police Report along with the initial investigation letter, so how am I supposed to assume that's the case? That's when I told her she should educated herself and the company on the TERM " LIABILITY '' since she has no clue of what she is talking about -- and since she is purposely wasting my time I will have no choice but to contact a Lawyer, which by the failed response and their claim of recorded calls -- I am confident I have a case that will grant me monies along with their compliance to the full extent of the law upon contacting a lawyer. But I also want a paper trail of their failure to follow the LAW on multiple occasions with me. I can only imagine with how many others this happened with!

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 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There are inaccuracies on my credit file that have been trying to resolve.

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 2020-04-30
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried ordering my free annual credit report from XXXX for all of three credit rating agencies of USA on  XX/XX/XXXX via XXXX Post registered post tracking number : XXXX using annual credit report request form to the specified address for XXXX, XXXX. I have NOT heard till date. Upon calling annual credit report agency XXXX today ( XX/XX/XXXX ) I have faced similar problem that due to international address I could NOT order the report in right manner for a sure delivery in XXXX. I understand that it is highly unlikely report will be mailed outside USA but it will be okay for me to get an electronic copy emailed to my personal email address : XXXX as a pdf document with specified password for secure transfer and access. I was helped to follow this procedure by customer service representative on XXXX. I have TO ORDER this report as I am maintaining lawful US tax resident status and critical personal financial investments to safeguard to best of my means. So this is the best and only way used highly sparingly. Kindly oblige immediately and provide me my credit report from all three agencies. Sincere thanks in anticipation - XXXX XXXX XXXX ( First Middle Last name )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is in violation of FCRA and FDCPA. I requested a validation of the debt about 6 times already and not only didnt I receive a validation but they still report this debt to all 3 credit bureaus .By law if they were not able to validated the alleged debt they have have to seize and disease any collection activity, instead they are sending me a computer letter that they no longer investigate this matter and they sent me anything they have and according to them it was enough. All they sent is a copy of one credit card statement. No actual contract, not the history of the payments and activities, and most impotent the ownership of the debt was not established and confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: AL
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 a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks

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 2020-12-21
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I received promotional materials to open a new credit account with 0 % interest for 18 months with Citi Bank. I accepted the offer and new credit account was opened. Upon using the card I noticed that I was charged interest. I contacted Citi Bank who said that the promotional rate only applied to balance transfers and they refused to honor the introductory promotional APR of 0 % for 18months. They refused to issue a credit for the interest they charged contrary to their promise of 0 % APR for 18 months. This was not clear and amounts abusive and deceptive marketing practices.

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 2019-05-16
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Some time around XX/XX/2018 my checking account was double debited for my mortgage payment. Both my mortgage and checking account are with Chase Bank. I called Chase and over the course of a couple days they were able to fix the issue and return back the second mortgage payment. All is well until I noticed I never received credit for my annual 1 % cash back, a promo given by Chase at the time my mortgage closed. That credit is given annually, {$170.00} which is 1 % of my annual principle and interest payments. I have been receiving this promo since XX/XX/XXXX and it's for the life of the loan. I reached out to Chase where they have been unable to correct the issue. I have reminded them on multiple occasions that this error was caused by them and not me. The root cause of the issue is when the payment error was corrected the Chase representative removed my auto debit from my checking account. I never requested this nor was I advised this was being done. I let Chase know this was done without my authorization and I have been a long time customer who has ALWAYS paid my mortgage on time if not early. The auto debit was never raised as a concern to me because I always pay on the XX/XX/XXXXt or prior and the auto debit was set for the XX/XX/XXXX business day of the month. I am asking for my 1 % promo to be reinstated and that I received credit in my XX/XX/XXXX statement of {$170.00}. I had a remaining 24 years left of promo credits totaling {$4100.00}. If they are unable to fix this issue going forward due to technical capabilities then I would expect them to honor their commitment up front and avoid future issues or having to do this every year. I will mention again, I tried on multiple occasions to fix this with Chase and they are not helpful at all or even care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: MD
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:
Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized and Fraudulent Inquiry and I send a FTC ... ... ... ... Report 15 U.S. Code 1681s2 ( 2 ) Failure to resolve the disputed findings of violation by informal means may result in the use by the Administrator or recommendation to the Attorney General of one or more formal enforcement options set forth in the Code : administrative enforcement orders ( 6-108 ) ; injunction against violations ( 6-110 ) ; injunction against unconscionable agreements or conduct ( 6-111 ) ; civil actions to seek damages, refunds or penalties in appropriate cases ( 6-113 ) ; temporary injunctions ( 6-112 ) ; or criminal penalties ( 5-301, 8-109 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Letter to Remove Inaccurate and Fraudulent Inquiry From My Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized and Fraudulent Inquiry and I send a FTC ... ... ... ... Report 15 U.S. Code 1681s2 ( 2 ) Failure to resolve the disputed findings of violation by informal means may result in the use by the Administrator or recommendation to the Attorney General of one or more formal enforcement options set forth in the Code : administrative enforcement orders ( 6-108 ) ; injunction against violations ( 6-110 ) ; injunction against unconscionable agreements or conduct ( 6-111 ) ; civil actions to seek damages, refunds or penalties in appropriate cases ( 6-113 ) ; temporary injunctions ( 6-112 ) ; or criminal penalties ( 5-301, 8-109 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

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 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have reviewed my credit file and see that there are accounts that I have not authorized, I would like them verified for accuracy immediately as they are not mine.

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 2019-05-16
Company: EQUIFAX, 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:
I contacted all three credit bureaus XX/XX/XXXX to have XXXX  XXXX   removed from my credit report due to me not having a contract. XXXX  removed this creditor from my credit report XX/XX/XXXX. However XXXX  XXXX  is showing up on XXXX  and Equifax. I have disputed this with a 2nd letter to XXXX and Equifax on XX/XX/XXXX because I did not here back from them the reason it was on my credit report. After that I hired XXXX XXXX XXXX to correct this and Equifax and XXXX  still did not furnish me with a original contract proving that this account was mine as requested or deleting this from my credit report. I disputed this with CFPB XX/XX/XXXX and I looked up my results and spoke with the representative who advised me that they recieved a response back from XXXX XXXX stating that had no record of me which is not true. I provided a screen shot of my credit report stating that this was their name on my equifax and XXXX  credit report. Since this company is denying that they are not the company that is reporting Im asking XXXX and Equifax to delete this company from my credit report or furnish the orignal contract from this agency, which they have yet to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Cornerstone Home Lending Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Cornerstone home lending is predatory and the mortgage broker XXXX XXXX repeatedly lied to me about estimates. All estimates were several XXXX dollars off ( always in XXXX favor ). Cornerstone had my original mortgage and the refinance but charged a late fee when XXXX was slow processing the loan. We were supposed to get a refund of impound but cornerstone itself paid our real estate taxes twice ( {$4000.00} ). XXXX XXXX says he will try to help figure out what went wrong and see if you can get your money back. He is not performing his fiduciary duty to us - and has behaved in a predatory manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, Transunion, and XXXX are inaccurately showing that several of my accounts are 30, 60, 90, and/or 120 days late on my credit report. The following accounts are inaccurately reporting late : XXXX XXXX XXXX XXXX - Date XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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