BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-05
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This concerns the XXXX XXXX and Synchrony Bank. They say I owe a past due amount of XXXX} and they charged a late fee. But on my statement, it says I do n't owe anything until XXXX/XXXX/XXXX. They were driving me crazy with phone calls so I called them back and found out about the so-called late payment. But they did not take into account that In XXXX I paid XXXX  twice. I asked them to show me on my statement where I was late and they said they do n't do that. They just lump the late payment in with the current payment and give you a new due date. Therefore I was not aware that they thought I was late. And if I was truly late, I was not aware of it because I can not find a statement that says I owed XXXX XXXXXXXX.I think Synchrony Bank does this deliberately so they can justify late fees. I often pay ahead of schedule but these payments do n't seem to count. 

I tried to address this on Chat, but twice I got cut off. Apparently, they make it as frustrating as possible to deal with them. 

The current statement shows a payment due of XXXX, which includes the late payment, due on XXXX/XXXX/XXXX. This is not a problem as I will pay it with no problem. But I want Synchrony to stop hiding late fees behind lump sums of amounts due. They are doing this deliberately and I want them stopped. Any reasonable company shows past due amounts on their statements. 

I have searched my computer and my XXXX account and I can not find where I ever saw anything that said I owed XXXX. But the fact that I paid XXXX twice in XXXX tells me that amount should have been covered. 

On the attached XXXX statement you will see that no amount due is shown. 

I would advise anyone not to stop receiving paper statements because e-statements are too easily altered in their favor.

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 2022-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Dear Sir or Madam, I checked my personal credit report on XXXX XXXX, which I had noticed from your company an unauthorized credit inquiry had been made for a new credit card without my permission or consent. The Date of this erroneous inquiry was made on XX/XX/XXXX. I will attach a screen shot of it on my file from my XXXX XXXX account. I had called XXXX XXXX XXXX XXXX XXXX about this matter and was assured this would be handled as I do not have any new credit cards with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report 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 explanation
Consumer complaint received 2019-08-07
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: Old information reappears or never goes away

Complaint:
I filed disputes with Transunion, XXXX and XXXX identifying accounts that were open fraudulently. I submitted reports from Identity Theft .Gov. The 3 credit reporting agencies removed some accounts, but eventually placed them back on my credit reports. The current credit card I do have is not being updated on either credit bureaus correctly. I have notified all 3 credit reporting agencies of addresses on my report I have never lived

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 2021-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I got a call one day saying my account was being closed due to fraud but these numbers on my account dont come from me. I never once was in texas or XXXX XXXX and now i cant open a new account because of this. 

The issue is with Bank of America ACH XX/XX/2019 XXXX {$1500.00} XXXX XXXX Check XX/XX/2019 XXXX XXXX {$13000.00} Bank of America Texas Check XX/XX/2019 XXXX XXXX {$13000.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$1200.00} Bank of America Texas Check XX/XX/2019 XXXX XXXX {$2000.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$1200.00} XXXX XXXX XXXX Check XX/XX/2019 XXXX XXXX {$2000.00} Bank of America Texas

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 2022-02-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Accounts are closed but are still reporting and updating incorrect information. Debts were sold and wrote off and sent to collections. Debt was never verified and never sent a signed contract to validate debt for : 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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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 2017-10-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
As a result of the Equifax breach, I have been trying to understand my risk and mitigate them. I 've spoken with all three credit bureaus, and feel less secure than when I started. All three are like XXXX businesses : These credit agencies collect our private info without our permission. Then they want to charge us to protect us? And according to the Equifax XXXX XXXX phone call today, XXXX/XXXX/XXXX ), if I sign up for Trusted ID, I waive my legal protections in case I end up a victim as a result of their incompetence? 

So, I 'm terrified and would like some protection from these risks. I do n't trust this industry to police itself, please help. 

I also have XXXX XXXX XXXX ( XXXX, XXXX ). Each company says different things, influenced by state law ( I 'm in XXXX XXXX and their internal policies : TransUnion says I have to get a court order to put a credit freeze on my XXXX XXXX XXXX. But I can send in an application to note of their files that they are minors. Not sure that would do anything, and do n't they already know that they are minors? 

XXXX says that my XXXX have to call them for service, that I ca n't act on their behalf since they are no longer minors. This is their internal policy. I thought I was legally responsible for my children! XXXX? 

Equifax says 'do n't worry, since they have n't started financial activities, they will have no credit on a credit report. I do n't need to do anything. Right. 

Dealing with these call centers has been awful. The agents range from haughty and impatient to ignorant. None of them clearly explained my risks and what their services can do to protect me. 

Why is Equifax even in business? They had XXXX job to do! This information is too sensitive to be left to fly by nigh businesses with little accountability to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX my father took out a reverse mortgage with XXXX XXXX XXXXXXXX. The problem is that I was already om the deed as a joint tenant when XXXX XXXX issued the loan. Mrs. XXXX, ( representing XXXX XXXX XXXX ) called me and said that the loan would not be funded unless I deeded the property back to my father. I told her that I would not do that. 

In XXXX, while XXXX was the servicer of the loan, a foreclosure sale was initiated and rescinded. I was told by HUD that the loan issued to my dad was subprime, illegal, predatory, and not enforceable. 

Fast forward to XXXX. XXXX XXXX ( also known as Nation  Star, and Mr. Cooper Mortgage ) is  suing me for quiet title to my home and judicial foreclosure. 

HUD now says that they can not advocate for me. In XXXX however, they did advocate for me ; they negotiated for XXXX XXXX stop collection efforts and pay XXXX taxes. 

I am XXXX and have sought the legal representation in this matter. The home has been upgraded to facilitate my specific physical needs. I live together in the home with my XXXX sons, my XXXX daughter-in-law, and my XXXX-year-old grandson.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Contacted transunion, XXXX and XXXX on XX/XX/2017 regarding an collection account that is invaliding reporting ; I do not have a contract with this company the reporting is a HIPPA violation and its is reporting multiple times XXXX XXXX is reporting to bureaus 5 times with different account numbers however same amount.

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 2017-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Yes I have tried to get credit with some companies and was n't able to.They used a hard credit report and put inquiries on my credit report and it has damage my XXXX XXXX I want to challenge all inquiries that 's on my credit report.some have been over two years ago and it 's still there and I want it to be removed from my credit report. I have asked them to remove this stuff off since it has been 2years I pulled my credit report up and inquiries are still there damage my XXXX XXXX. I had a old accounts and inquiries from them is there I feel they have n't been doing what the law requires them to do when it comes to my credit report. I 'm asking for help to reach out and resolve this problem with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Some time ago Navient has stopped processing my payments. I have not received any communications to this except now a few years later I have 19 late payment notices on my account. I only learned of this since i have applied for a mortgage as I have been relocated for work. I had previously agreed to a reduced interest rate repayment plan. This was supposed to be automatic and to my understanding was setup to reoccur every month. This is greatly affecting my XXXX XXXX and my ability to secure a new house with my job transfer. This is also time sensitive the house i am selling closes in 3 weeks and will be left with no option but to attempt to rent for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and had duly notified the relevant authorities. As a results, I sent this company my dispute on XX/XX/XXXX, attached with all the relevant documents to verify my claims and expected them to block/ delete inaccurate Inquiries information from my credit report within 3 days as required by law but they have not. The fraudulent inquiries which I did not authorize are still showing on my credit report and have resulted to me being denied credit.

Please delete these fraudulent inquiries from my credit report : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on 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
Consumer complaint received 2019-04-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT
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:
SinceXX/XX/2018I have been attempting to gain online access to my HSBCcredit card account, a service that HSBC purports to provide all of its credit account owners. Each time, I am told that a ticket is opened and being escalated to IT and that I should receive a follow up call the following day. The return call never comes and when I call back to follow up I have to start all over as if a ticket was never opened with IT to begin with. This exact situation has occurred at least 3 times since XXXX with no resolution to date. 

I believe that HSBC is acting unfairly towards me as they are not granting me the same access to my account as other customers. Because I am unable to access my account online I must do all transactions over the phone and there are some such as setting up autopay which can only be done online or via regular mail. 

Furthermore HSBC continues to provide misinformation to me each time they claim to have opened an IT ticket to resolve the issue. 

I have tried in earnest to resolve this issue directly with HSBC to no avail for nearly 6 months which leaves me no choice but to escalate my complaints to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX asked for information to be validated and verified, its been well over 45 days still no response, from XXXX, Equifax, or XXXX. 

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Letter to Remove Inaccurate 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. Validate Account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Letter to Remove Inaccurate 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. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate 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. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

2. Validate Account XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom it May Concern : This is a complaint against XXXX and their debt collecting agency Afni. 

On XX/XX/XXXX my family switched from XXXX to XXXX by going to the XXXX store in XXXX XXXX, CA. I got a new phone from XXXX as well. My family stayed 2 days on XXXX and realizing that this company doesn't work for us, we switched back to XX/XX/XXXX. I returned the phone and canceled my service. 
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX informing me that Afni on behalf of XXXX is collecting " my debt '' ( {$510.00} ) for the phone that supposedly I never returned. The letter also stated that in case I don't dispute it in 30 days from the date of the notice, it will negatively impact my credit. 

I called Afni and was instructed to email them the proof that the phone was returned. The only proof I had was a statement from my bank which showed a refund for XXXX equipment on XX/XX/XXXX. I emailed this proof on XX/XX/XXXX. I received no reply. On XX/XX/XXXX I called Afni and the representative told me that my email was not received. We double checked to make sure the email address was correct and it was. I resent the email with the bank account proof on XX/XX/XXXX. Still no reply. Today is XX/XX/XXXX - in two days thirty days from the initial date of the notice will expire and Afni will contact credit agency to lower my credit. 

So here is the question : In your practice, how many times do emails get lost? And if they do, don't you receive a notification that the email was not delivered? Afni doesn't want to believe that I returned the phone, treating me as a thief from the start. At the same time, they can't find 3 of my emails with my bank account proof demonstrating that the phone was returned. If things so easily get lost in XX/XX/XXXX/Afni world, could the same thing happen to the phone that I returned?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX 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