BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-11
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I took my car to be repaired at XXXX XXXX XXXX Im XXXX, WA. Payment arrangements were discussed and I completed a prequalification for easy pay financial arrangements with zero interest for 6 months. I did not apply or sign my name to any kind of a credit application. When the employee could not get authorization on my checking account number, he apparently applied for a Synchrony credit card to pay for car repairs without my permission. He denied that it was a credit card and insisted it was an easy pay with zero interest card, as discussed. He also insisted that the easy pay arrangement would not affect my credit score and was not a hard inquiry or an actual credit card. I discovered later that day that I had a hard inquiry on my credit report and a new account, based on a credit application that HE submitted e/o my permission. The employee admitted fault and gave me a phone number to call synchrony bank to close down the account, and report a fraud claim, which I did. An employee of XXXX essentially opened an account in my name without any authorization from me, nor did I sign anything or agree to any credit terms whatsoever.

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 2020-02-18
Company: ZARVAD III S.A.
State: NM
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened an account on XX/XX/XXXX in the amount of {$1200.00}. I have been paying {$360.00} per pay period. A total of {$1400.00} I checked my account on XX/XX/XXXX and I owe {$1500.00} I asked them what happen and they said i was renewing my loan of {$1200.00} every pay period so the {$360.00} was just the renewal fee. They charge {$30.00} per every {$100.00} They would not accept the {$1200.00} as final payment today as they want the full {$1500.00} even though my payment isnt due again until XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: AmeriCollect
State: WI
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
paypal is holding my money {$220.00} and will not let me send the funds to my bank. All the items I have sold have been to delivered to customers, XXXX is holding my money. I want my money to be released so I can withdraw it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-18
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:
XXXX, XXXX, and EXPERIAN permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.

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 2020-02-18
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:
XXXX, EQUIFAX, and XXXX  permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX XXXX I found out someone had rented an apartment in my name XXXX XXXX XXXX in XXXXXXXX XXXX who said I owed {$3900.00}. I then contract the collection agancy which is NCC Business and informed them that it was not me. I was told by an repersentive at this company that I need to send a email giving them permission to send information about this account through email which I did. I never recieve anything or heard form them again. I then was trying to rent an apartment in XXXX XXXX. And was told by the complex that I owed another complex money. This is when I saw that it was been reported to XXXX and XXXX XXXX, I contract both reporting agency put in an dispute, XXXX responded and said the debt was mine. I then contracted the oringinal credtior on XXXX XXXX, XXXX who 's name is XXXX and I did a Dispute XXXX giving them a police report. They never responded so once again I let the NCC Business company know that there was no answer. And how if I was not getting an answer how were they. NCC would not let me know who was they contract at XXXX,. I reached back out to NCC Business and sent them my XXXX report and a photo ID. NCC Business then told me they would send this information to XXXX. And XXXX had thirty days to answer. this was on XXXX XXXX, XXXX. I called XXXX XXXX again on XXXX XXXX, XXXX an spoke with a supervisor by the name of XXXX XXXX who told me that XXXX responded and said that the debt and the ID match.So I called the local XXXX office on XXXX XXXX and was told to call their customer care office in XXXX Once reaching out to XXXX customer care department on XXXX XXXX I was told by a repersentive who 's name is XXXX who is the person you speak with when you are trying to pay a debt or dispute a debt for that area which is Georgia. XXXX told me that they never recieved any paperwork from XXXX XXXX about the debt. And if XXXX did send it to us it would be no way to verify because we no longer own the apartments. And also we do not have your ID on file. I called NCC back on XXXX XXXX, XXXX spoke with XXXX XXXX again told him what was told to me and asked again who or where did he send the paperwork and XXXX XXXX still had no answer for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, INC.
State: MA
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:
My complete and correct spelling of my name is XXXX XXXX and I am sending this complaint personally. I have no connection to any Credit Repair company or any of its kind to handle my credit reports. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them a letter, for the said request, I still haven't received any response up to this date. Besides, the inaccurate information about my accounts is still on my report. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information Below are the accounts that are still reporting on my account : XXXX XXXX  XXXX XXXX DateOpened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened:06/01/2017 Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX BalanceOwed : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: EQUIFAX, INC.
State: FL
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 reached out to Equifax 3 times and they told me to reach out to the companies which I also did and they have pointed me back to Equifax. Back in XXXX 2017 there were some unauthorized credit inquiries on my credit report. I have told them to provide documentation with my signature which they have not been able to provide. 

The companies are : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ( twice ) & XXXX XXXX. 

I am getting nowhere between these companies and Equifax and I have had enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: CA
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 applied for a XXXX XXXX chase credit card that offered XXXX miles with qualified purchases. I received an email stating that the application process could take 30 days and I would receive notice by mail. I never received any notice by mail since XX/XX/2022 and the XXXX mile offer has expired. When I called Chase they want me to apply under the current XXXX mile offer but I should get the original XXXX that was offered. my credit score is over XXXX. Thank you for your attention in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Equifax has taken longer than 30 days to respond to our request for an investigation. We mailed a letter to the almost two months ago, asking them to correct errors on our credit report. We have yet to receive a response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2017 I obtained a XXXX XXXX/XXXX XXXX credit card, I bought a sweater for {$20.00} with such a credit card and mistakenly thought that I make the payment when finally realized my mistake it was to late and the account was already in collections, I was told that because the delay I will have to pay almost three times more of the original debt, I start to make the payments but unfortunately when I was in my last payment of approximately {$20.00} I lost my job and fall in a financial hardship. When I finally was able to recuperate from my situation I contact Second Round ( the colector ) just to find out that they want me to pay {$380.00} from the original {$20.00} witch I already pay approximately {$40.00} I understand i couldn't complete my original settlement but i come across a really hard situation and {$380.00} for an originally {$20.00} debt it seems unfair

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Dyck-O'Neal, Inc.
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been attempting to settle or receive a structured settlement with Dyck O'Neal on my 2nd mortgage for over three years. The interest rate is a usurious rate of 11.25 % and my XXXX XXXX has nearly doubled since default. Dyck is the third purchaser of this loan. As a result of XXXX treatments and family related problems, I defaulted on payments. I hired a useless attorney who did no negotiating for me and Dyck has not made any effort to communicate to resolve this problem. I had declared bankruptcy in 2010.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have talked to American Express two separate times attempting to explain that I have been XXXX and have not had a XXXX in 6 months. Every time they talk to me they ignore what I have to say until the point that I agree to receive a payment to an account that I have made clear is empty. I feel pressured to agree to this and have been given no alternative by American Express. American Express also has harassed my family from a phone number that I have made clear to them is not a number I want them to call from. They frequently call as often as three times a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-07
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 have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history are incorrect and inaccurate. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance : {$190.00} ALLY FINCL XXXX Balance : {$33000.00}

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 2022-03-03
Company: MOHELA
State: DE
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:
Hello- my student loan was paid in full on XX/XX/2022. However, the payoff left a residual {$19.00} balance. I called and asked to have the balance waived, and was met with a ton of resistance, over a balance less than {$20.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Cascade Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been making payments on time one payment I made the day of the last payment date that I could make it before it was more then 30 days past due. The company posted the payment late even thought I made the payment before the cut of time and day. I called the company and they were rude and did not want to help me.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-10
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: Account status incorrect

Complaint:
After receiving a credit alert about XXXX XXXX reporting a negative account to all three credit bureaus, I immediately contacted them. They told me that this account was being used and payments were being made to the account. I 've never received any credit card from XXXX XXXX and never even knew I was approved for the credit card. XXXX XXXX did mail me a document clearly stating " I will not be liable for any of the unauthorized charges '' which contains a list of items. They then did their job and removed it from my credit report, but one month later they illegally reinserted it into my Trans Union credit report. After I called Trans Union, they told me they switched the account numbers up but it certainly is the same account with a balance due of {$2900.00}. I was not notified of this by mail, as required by the FCRA. Trans Union said it might be a mistake by XXXX XXXX so I called them back and they confirmed it. I have a copy of the Trans Union report showing this account was deleted by XXXX XXXX on XXXX/XXXX/17. Now it was reinserted illegally.

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 2020-02-18
Company: Experian Information Solutions Inc.
State: VA
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a letter from XXXX stating they will contact you guys to remove item. items still exist on my credit report proof will be attached

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 2017-12-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
As a follow-up to Complaint Filed on XX/XX/XXXX ( Reference Complaint # XXXX ) I received an update from XXXX XXXX XXXX Asset Manager assigned to my loan that my request for a Streamline was denied because of prior modifications. He asked that I complete a Loan Modification and stated that it will also be denied as well since I was given modifications in the past.

Sadly, my situation is a unique one with the XXXX XXXX XXXX XXXX  to XXXX XXXX, then a divorce that just occurred onXX/XX/XXXX. It has been an uphill battle for me and my XXXX young impressionable children. Here 's my ask if a request will be submitted to XXXX XXXX - the investor for consideration of a repayment then why can not my initial denial suffice why is Bayview requesting for me to complete a loan modification package fully knowing that it would take an inordinate process to go through approval only to be denied anyway and dragging out the inevitable of submitting my hardship directly to the investor XXXX XXXX. I ask that you intervene and help me I need the stability for my children. While I know we all have circumstances these circumstances were unfortunate and out of my control. I would have loved to wave a magic wand and have them go away. I did not want a divorce and more importantly I did not want my young daughter to XXXX either. It is not what anyone of us want for our life. I beg that you help me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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 believe someone used my personal info to get credit cards. I noticed there was accounts on my credit which I do not recognize such as XXXX, XXXX, XXXX XXXX, and XXXX  XXXX XXXX and XXXX XXXX. I think I am a victim of identity theft and these accounts are fraud. Help remove with credit bureaus.

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 2022-10-03
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:
transunion states that they did corrections and now it's updated but obviously they didn't because I still see the same errors on my credit report and nothing was changed!! let 's get this right once and for all ... if there's errors and inconsistencies on my credit report you have to delete ... .or pay {$1000.00} per violation...

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