BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-11
Company: SYNCHRONY FINANCIAL
State: MD
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 am complaining about CareCredit 's failure to present all of the details of my previous case. CareCredit stated that my initial charge was {$2000.00} made on XX/XX/XXXX, but I had this charge reduced because the XXXX  clinic that introduced me to CareCredit and signed me up for this credit did not perform {$2000.00} worth of services. This transaction would have been easily seen on my statements, but those statements from XX/XX/XXXX- XX/XX/XXXX are not visible nor retrievable from my online account at this time. I have requested the statements be made available on my account. The practice of providing credit, then charging up the credit for services not rendered, then to place a deferred interest without anyone explaining deferred interest before and certainly after the cardholder is enrolled is unfair and. 
I contacted Synchrony CareCredit twice on XX/XX/XXXX, and expressed my concern about the fees and how it had impacted my credit. Both representatives advised that they would waive the fees if I was able to pay in full within 30 days, but could not resolve the negative mark on my credit. On XX/XX/XXXX, I made a payment of {$30.00}, and on XX/XX/XXXX I made a payment of {$260.00}. This was well within the 30 day grace period as explained by their representatives, but in their response to my initial complaint they now state there will be no removal of the deferred interest. It would appear that this inability to waive the fees is retaliation for my formal complaint with the Consumer Financial Protection Bureau. 

See Complaint : CFPB Case 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 monetary relief
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion, XXXX and XXXX has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX   Balanced Owed. My Credit ScorXXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions Inc.
State: CA
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 had leased a XXXX  XXXX XXXX from XXXX XXXX which ended up in a total loss and was paid off by my insurance. XXXX XXXX  keeps reporting a balance owed of {$8600.00}. I notified them through phone and writing. It has been 2 months and they will not update my balance to {$0.00} even though they are verbally confirming the balance owed is {$0.00}. This is taking a negative effect on my credit score. Please update all credit bureaus balance to {$0.00}.

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 2019-04-12
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: Their investigation did not fix an error on your report

Complaint:
I SUBMITTED DISPUTES OF COMMON ERRORS ON MY CREDIT REPORT SUCH AS THE WRONG AMOUNTS AND DATE OF LAST ACTIVITY ON THE ACCOUNTS. THE CREDIT BUREAUS REFUSE TO SHOW VERIFICATION OF HOW THEY INVESTIGATED THE PROBLEM. ACCORDING TO THE FCRA THEY HAVE NOT COMPLETED A THOROUGH INVESTIGATION. THEY ARE USING AN AUTOMATED SYSTEM. 

I NEED A REASONABLE INVESTIGATION AND PROOF THAT THERE WAS AN INVESTIGATION TO THESE ACCOUNTS THANKS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-14
Company: Credit Control, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of XXXX XXXX XXXXXXXX in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed XXXX XXXX XXXX  and has forwarded a fraudulent debt in that amount to Credit Control LLC for collection.

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 2018-09-06
Company: MRS BPO, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company repeatedly calls through out the day on a cell phone that is registered in my fathers name. I told them months ago to stop calling and they said that its ablegitimate debt the calls will not stop. To top it all off the lady that called today stated who she was with and what it was about before asking to speak to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX SHOWING AN LOAN ON MY XXXX, TRANSUNION AND XXXX  THAT IS 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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to you because I had reached out to Transunion and XXXX on XX/XX/XXXX and XX/XX/XXXX about a serious issue with an account reporting falsely on my credit report. I want to know why this is still reporting if it doesnt belong to me? You never sent me any correspondence about this. I have been a victim of severe data breaches dating as far back as XXXX. My previous employer had a major breach where my personal information was leaked and used, including social security number and financial information. I have to check my credit regularly to make sure nothing is happening.

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 2019-04-12
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had a medical emergency a couple of years ago at XXXX XXXX in XXXX XXXX, Texas. During my visit I had to provide my medical benefits-insurance information to be seen. All information was provided at time of check in. I never received notice to provide additional information during my visit or thereafter. Many months later I received notice of a collection account on my credit profile. I did not receive information to validate said debt nor did I receive and EOB from my insurance company showing the bill was presented to my medical insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
1. XXXX XXXX ~ {$16000.00} 2. XXXX ~ {$3000.00} The above accounts are continuously appearing on my Equifax report and I did not open these accounts and have written to Equifax to remove them as they are fraudulent. 
But Equifax either removes and replaces them or flat out do not want to remove even with proof and with an FTC Identity theft report sent out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 noticed inaccurate information on credit report about a Public Record and a collection for XXXX XXXX XXXX. TransUnion was notified on several occasions about the inaccuracies on credit report. It was supposedly investigated but I never received any results from said investigations. After call and getting no resolve I sent a certified letter asking for validation and verification of investigation along with an updated credit report. It has been over thirty days and I have not received anything.

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 2019-04-12
Company: Larry H. Miller Group of Companies
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I bought my truck on XX/XX/2019 I went to buy a truck specifically a XXXX XXXX XXXX XXXX XXXXXXXX XXXX i am an XXXX XXXX XXXX card holder they have a car purchase program they send with them with a certificate the sales man then started showing me trucks like the one they quoted me so I was okay perfect he showed me the one I got never told me that wasnt the one I sent him I assume it was the one I sent him when I saw the final print of docs which where given to me the next day I saw that it was the wrong truck I got a XXXX and the price on those are way cheaper than the one I went in for they never changed the price the finance guy lied to me about the package price ( appearance package ) he said it was XXXX and like XXXX bucks a month turns out that package was XXXX plus XXXX bucks a month when i told him to cancel he lied saying i couldnt cancel o got ripped of on the moroney sticker XXXX dollars for nitrogen gas common they charged me for a delivery fee over 1,000 dollars I put down XXXX deposit and they somehow managed to eat it.i was pressured to sighn without giving me Any documents to read I just believe what he said All the numbers do not match up I got XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: TD BANK US HOLDING COMPANY
State: NY
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:
TD bank credit card has charged me cash in advance in number of transactions which I did only and no cash withdrawn was made I have been making the same transaction with the same card for two years they never changed my any cash in advance fess for them until recently they started doing without notify me of any changes and never sent me any documents to make me aware of any change which is violated the terms and conditions I agreed about when I open the account with them .nevertheless, I already stop making the same online transaction once I noticed the fess they started charging me and a week later before all that happened I wasnt charge any cash in advance fess in I did the same type of transaction .also they charge me at the end of the month another fess again for the same transactions two fess difference time for the same transactions

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-06
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
YOUR BANK KEEPS LYING SAYING YOU CANT VERIFY ME FOR MY PPP LOAN EVEN THOUGH YOU HAVE THE SBA NUMBER AND YOU WONT LET ME OPEN AN ACCOUNT SO I ATTACHED THE DOCS TO A 3rd PARTY MEDIATOR. If you lie to them and say you cant verify it your responses will be used to file a state action against you in court for damages to my XXXX   in the amount of the loan we are loosing out on. I have sent the bank information already but I attached verification and statement again. We are a XXXX XXXX that gets paid cash for XXXX  and have XXXX  that are on wages who book these cash gigs for XXXX in XXXX. We cant work due to covid shutdown. We are a XXXX minority XXXX XXXX with XXXX XXXX employees who need these paychecks which we cant pay without bars and restaurants being opened. XXXX XXXX fought so companies like ours without a banking relationship dont get left out and you are now doing exactly what she was afraid would happen. You have my loan number and information but you are not releasing our loan because we are a XXXX XXXX XXXX and that is unfair! We have set up banking for this loan and 60 million was set aside for companies like ours. I demand you send me my loan amount immediately.

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 2018-09-06
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
mortgage loan XXXX receive a call from my old employment that 21st mortgage was calling to verify employment I know longer work for the company because I was laid off due to no work. We have fallen behind but I currently started a new job on XX/XX/XXXX we will be caught up by the end of XX/XX/XXXX. Due to previous instances with this company they are to notify me via mail. My prior employment was concerned because they call to verify credit and employment. Why would they be verifying credit with my old employer. They have continue to call them that they reach out to me to ask this company to stop calling them. Once again why would a company reach out to an emploer on multiple occasions when they are to notify us vua mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
A bank declined on my requesting of mortgage loan and credit card, because that Equifax has a wrong social security number associated with me. I keep trying to fix this for months. The bureau is not able to fix my issue. Their representatives saying that they are not able to access my file. No matter I called, mailed, emailed. I contacted Equifax for many many times. Please help to fix my identity record at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
showing inaccurate information not known to me best of my knowledge

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 2017-11-28
Company: Medical Data Systems, Inc.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Medical Data Systems has a debt on my credit report and it 's showing paid, but this debt is not mine. I have tired to call them and explain the issue, but they stated their is nothing that can be done because it 's paid. I tired to validate the debt twice, to get proof that the debt is not mine. I want to send the paperwork to the credit reporting agencies, to see if they can help me. Medical Data Systems refuses to send any paperwork regarding the validation of the debt. Please help!!! even though this debt is showing paid, it is lower my credit scores.

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 2021-05-04
Company: EQUIFAX, INC.
State: MI
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 checked my credit report and saw accounts that I did not authorize. Equifax stated to fill this form out and I did and I have not heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.

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 2020-05-06
Company: AMERICAN EXPRESS COMPANY
State: WA
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 requesting assistance of the CFPB to fix my XXXX Credit File so that XXXX doesn't show that I was late in paying American Express for the months of XX/XX/2019, XX/XX/2019, and XX/XX/2019. This request is pursuant to the Federal Fair Credit Reporting Act. 

The reason for this request is that charges were disputed during this period and those charges shouldn't show a late during the dispute period. Substantial evidence has been provided to both XXXX, XXXX, and American Express demonstrating that the laptop was faulty, and couldn't be repaired. 

Previously a complaint was submitted to CFPB XXXX, and it was my understanding that XXXX would fix the credit report, but I was recently advised by a creditor that the errant information has been reinserted into the credit file so I am left with no choice but to request CFPB to reopen my complaint against both XXXX and American Express. I find American Express and XXXX  guilty of violations of the Federal Fair Credit Reporting Act for inserting late pay information. 

Previous evidence to date showing a valid claim consisted of : 1 ) statements from XXXX XXXX advising they had back pedaled on their decision to support XXXX so that the keyboard functionality was partially usable. 
2 ) statements from XXXX XXXX announcing a service advisory more than a year after my complaint advising that there is a problem with the keyboard, and a potential fix. 
3 ) statements from users advising that the fix offered by XXXX XXXX did not fix the laptop. 

No laptop repair facility is able to fix the laptop since the problem is a driver issue, and the vast majority of repair shops are not sufficiently versed in driver development. 

Additionally XXXX XXXX had failed to switch the laptop, which was a rebranded XXXX, with their own laptop that they had recently started making. As a result, they demonstrated bad faith. 

And last but not least, American Express has an extended warranty program and there is no issue of coverage since the extended warranty coverage would have been double the coverage of XXXX XXXX 's primary 1 year warranty. 

This complaint needs to be reopened because XXXX  and American Express have back peddaled their decision to correct the credit report. 

Also, XXXX is still refusing to allow online access to credit reports. Earlier today I attempted to login after being denied credit, and was blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: IA
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 've contact the companies that 's in questions I was told to contract the credit bureau.I be contacted the credit bureau several times.I was told its factual it ca n't not be changed to contact the actual companies.Several times the customer representative has hung up the phone one me when I told them the informative was incorrect they were given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
having a problem with transunion again, i asked them to changed my status from closed to open on my XXXX account because i still have the car to date.it went from transunion to XXXX, now its back to transunion and they are reporting a close account on my credit report and its damaging my score. if they don't correct it, i will take legal actions with them. 

please help me in this matter.

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 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
After checking my Credit report on today 's date of XX/XX/XXXX, I discovered my score had dropped by 1 point after a hard inquiry from COAF in XXXX TX XXXX on XX/XX/XXXX. I do not recall this company and it is just now showing up on my credit report.

Company response to consumer: Closed with explanation