BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Purchase from Park West Gallery XX/XX/XXXX, sold to me after alcohol served by seller & product value misrepresented. Three days later I attempted to verify value of paintings, I contacted the company & advised their representative misrepresented the value & I cancelled shipment & told them I did not want their card, this was the first time I was told about a restocking fee, I advised that I was aware they have been sued for this type of fraud before & I would not be paying any fees. XX/XX/XXXX I received a bill from them {$99.00} I contacted the credit company disputed charges and advised they were fraudulent as I told Park West to cancel the card, and I never received or activated a physical card. They again cancelled the card and investigated. XX/XX/XXXX another card was opened in my name charges for {$65.00} were placed on the card and I received a bill. I contacted both the credit card company and Park West and advised I would not pay because I did not agree to the charges in the first place. They sent me an unsigned invoice and a signed sales draft ( that does not mention any restocking fee ) and a letter that has a breakdown of the fee. It indicates they had the value of the paintings at well under the {$400.00} to {$600.00} each that they gave as the value when they sold them. I received a credit alert last month that they reported the account as closed and delinquent, I disputed the account, but it has come back as verified. I do not owe Park West Gallery anything and this needs to be removed from my credit.

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 2019-11-07
Company: LJ Ross Associates
State: WI
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:
On XX/XX/XXXX a balance of {$890.00} from my previous place of residence was transferred to my account with XXXX  XXXX XXXX at my new place of residence. After this balance was transferred to my account my utility service was suspended and I was left without power. Upon contacting the Power company ( XXXX XXXX XXXX ) I was informed that my power service could not be restored until I paid a portion of the balance. On XX/XX/XXXX I made a payment of {$700.00} to XXXX in turn restoring my electric service. The remaining balance was paid off through the following billing cycles. On XX/XX/XXXX L J Ross Associates Reported to my Credit Report that I had a debt in collections in the amount of {$890.00} with the original creditor listed as XXXX  XXXX XXXX. As described above, the balance was paid in order to restore utility service and is no longer owed. On XX/XX/XXXX I filed a formal dispute through XXXX  providing this same information, and on XX/XX/XXXX I received the results of this dispute and the information was still incorrect. Upon receiving this information, I immediately called XXXX  directly and submitted another dispute over the phone on XX/XX/XXXX. Once again on XX/XX/XXXX the dispute results were returned and L J Ross Associates again failed to properly update the Information as the status column stated " unpaid '' the balance amount column stated " {$890.00} '' and the date of last payment column remains blank. This debt does not exist and must be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Experian Information Solutions Inc.
State: TN
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 and Experian are reporting 3 hard inquiries in my credit reports all originating from the same mortgage loan. This is having a negative affect on my credit ratings, and could affect my interest rate. 

We applied for a home construction loan with XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX. As with all construction projects, the loan process occurs over a period of several weeks while a construction contract is negotiated, plans developed, and pricing finalized. Seacoast pulled our report twice, at initiation and with the final builder contract 8 weeks later. The other two banks pulled once.

It was obvious that we were shopping for the best mortgage proposal  for our new home and should not be penalized for doing our due diligence. This should be treated as one hard inquiry ... period. 

My experience is without getting an attorney involved, these companies do not take the time to adequately investigate issues within their reports. 

Thank you for your assistance in this matter. 

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 2021-11-02
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 My Cash App card was charged by XXXX XXXXXXXX both for {$310.00} and {$350.00} for airline travel without my knowledge or consent. I've tried multiple times since to dispute the charges formally with VisaXXXX XXXX XXXX  XXXXCash App/Square Inc all of each who say I can only dispute with Cash App. Cash App never answers the phone, it refers you to chat. Chat refers you to email, email refers you to chat or to dispute it on the app. There's is no such dispute function on the app. No human ever is inlvolved and now over 3 weeks no formal dispute is filed for transactions I didn't authorize. Visa nor XXXX  nor XXXXXXXX XXXX care whatsoever of the viloation in cardholder agreement, XXXX also doesn't care it was the merchant who charged my card without consent, it all referes back to Cash App with XXXX XXXX in XXXX  but no customer support to resolve any issue. How is this not a class action lawsuit already?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: WY
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 non-monetary relief
Consumer complaint received 2019-09-27
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received no notice of collection but it was put on my credit report. It's also an old debt from XXXX that the company has said is from XXXX. The statute of limitations expired in XXXX to collect the debt which is from Arkansas, where I lived at the time and services were rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts  contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XXXX XXXX, XXXX to remove the following items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Complaint Detail https : //portal.consumerfinance.gov/consumer/s/complaint-detail # 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

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 2021-04-10
Company: Kriya Capital, LLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collector collected over XXXX XXXX dollars for a account open or used fraudulently and need this issue resolved immediately its killing my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-21
Company: CITIBANK, N.A.
State: MA
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:
We filed a complaint with Citibank Mastercard on XX/XX/2020 regarding a trip that was cancelled due to covid-19. We never received service. We sought remedy through the cc because were unable to reach the booking company, XXXX, by ANY method, to get a refund for {$1200.00} charged to our account on XX/XX/2020. Citi started a chargeback but the chargeback was reversed when the merchant/Cancelon said we never contacted them. Citi has given many excuses for not getting our money but none of them are valid. 

Through many back and forths with Citi bank we continued to make our complaint however they have never refunded our money. 
DISPUTE : 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 2019-11-07
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received my Pay Pal rewards MC through Synchrony earlier this year, and have experienced a multitude of issues when 1 ) trying to obtain my rewards and 2 ) making payments. The foundation of my complaint is that customers are passed back and forth between Synchrony and Pay Pal with neither of them trying to solve the problems. I call Syncrhony and they tell me to call Pay Pal, I then call Pay Pal and they transfer me to Synchrony. In the past when I have to redeem my rewards, this back and forth has happened five times during one morning of trying to resolve this. This recent complaint deals with a text I received this morning about my account about a Fraud Alert. Not realizing that I would receive a fraud alert about a payment on my account, I responded that I did not recognize the transaction. I am in the midst of being afflicted by a very bad case of the flu, so perhaps if I would have gotten out of bed right away to verify the exact payment amount I scheduled a couple of weeks ago I would have been able to respond that I did recognize the transition. However, why in the world would I even receive a Fraud Alert when  someone is trying to PAY not charge to my card? That does not make any sense. When I realized what happened, I tried to call the Pay Pal number, but they don't even open until XXXX XXXXCPT, I tried to call Synchrony since that is the company I am paying ( I guess ) and once again, they could not help me and sent me to Pay Pal. This account is a nightmare. Why are these companies not required to address these issues without sending customers back and forth?

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 2022-01-08
Company: Flagstar Bank, N.A.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Since XX/XX/2021 I have been working with flagstar bank to get my loan reset from covid 19 forbearance program today I was told that they can help me it closed out yesterday, I have summitted the same requested documents and have proof on their webiste since XXXX. They are not wanting to help me they just keep asking me to submit documents that they already have. I dont want to lose my home

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 2019-11-07
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a settlement check from my homeowners insurer to settle a homeowners claim on XX/XX/XXXX in the amount of {$45000.00}. The check was made payable to me and my mortgage servicer at the time, XXXX. XXXX was holding the insurance claim funds in escrow pending completion of repairs. On XX/XX/XXXX, before repairs were completed, my mortgage including the insurance claim escrow account were transferred to a new servicer LoanCare LLC. I contacted LoanCare LLC on XX/XX/XXXX and spoke to XXXX XXXX who confirmed that LoanCare LLC received the insurance claim escrow account with a remaining balance of {$35000.00} ( some of the repairs were completed and paid from the escrow account before it was transferred to LoanCare LLC ). XXXX XXXX also advised me that once the mortgage is paid in full, the entire balance in the insurance claim escrow account would be released in the form of a flat disbursement to me. I have now sold the property in question and paid off the mortgage with LoanCare LLC in full on XX/XX/XXXX. I paid for pending repairs to the property with my own funds to avoid delay in closing on the sale of the property. I contacted LoanCare LLC on XX/XX/XXXX to request disbursement of the funds they were holding in the insurance claim escrow account and spoke to XXXX XXXX who informed me that LoanCare LLC WILL NOT disburse the funds in the account to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: FL
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:
I found an investigation about incorrect items on my credit report on XX/XX/XXXX I havent got a response as well past 30 days from XXXX XXXX Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: EQUIFAX, INC.
State: OR
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:
XX/XX/2019 approximately XXXX received notification from ID monitoring service XXXX XXXX placed a hard inquiry. Notified XXXX of fraud ( XXXX ), Equifax ( XXXX ). Filed police report ( XXXX ) FTC ( XXXX ), OIG ( XXXX ), Utilities exchange ( XXXX XXXX, XXXX fraud forms sent XXXX ( XXXX ), Insurance claim filed ( XXXX ). Fraud report received from XXXX XXXX stated the perpetrator used my maiden name, my social security number and my old mailing address to attempt to obtain cellular service twice. The hard inquiry from XXXX XXXX still remains on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

ENHANCED RECOVERY COMPANY ( XXXX XXXX XXXX XXXX XXXX XXXX**** Opened : XXXX XXXX XXXX Balance {$990.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Diverse Funding Associates LLC
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2022-12-14
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: Information belongs to someone else

Complaint:
Please update and verify the following account below, which is not mine but is reporting on my credit report, the information reported is incorrectly. I have never incurred debt with these creditor, I did not made or authorized it. The account is not mine! 
XXXX XXXX XXXX  XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: TD BANK US HOLDING COMPANY
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: Account information incorrect

Complaint:
I closed my Target XXXX Master Credit card at my request, and paid the balance in full. 
Prior to closing the account and paying in full. I made a payment of {$95.00} on XX/XX/2019, the due date was XX/XX/2019 and I acknowledge the payment was late, but not 29 days late. I paid the balance in full on XX/XX/2019 in the amount of {$3000.00}. I reviewed my credit report and it states Target Mastercard Potential Negative status. 

I spoke with XXXX XXXX on XX/XX/2019 and he advised the payment was one day late it is considered late, I advised it was under 29 days late, and for you to report to the credit bureau I paid over 30 days late is incorrect. I requested a letter from XXXX/Target bank to send a letter stating me account was closed at the consumer request and paid in full. 


XXXX XXXX advised XX/XX/2019 XXXX XXXX  reported I was 30 days late on my account, which was inaccurate. I was one day late!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold or is being serviced by Specialized Lending Services, I was owing XXXX XXXX. I have Always paid my mortgage and this company has reported me 30 60 and 90 days late. Ive paid more than whats due. They refuse to address the incorrect info on my credit report.

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