BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have bought a SOLID 18K GOLD BRACELET from XXXX XXXX XXXX and I was charged XXXX dollars on XX/XX/XXXX on my Sams club Maseru card by synchrony bank. But when I received the bracelet it tested ONLY 14K GOLD PLATED with the electronic gold purity tester and I am attaching pictures. So I disputed the charge With Synchrony bank because what I received is different from what I paid for and is a lot cheaper. I received a 14k gold bracelet that is worth XXXX dollars and I paid XXXX dollars for that same bracelet.so the seller XXXX XXXX XXXX  sent me the wrong gold purity bracelet and the item was NOT AS DESCRIBED ON THEIR WEBSITE. The difference in price is huge and XXXX XXXX XXXX refused to return the item and refused to refund me because they sent me the wrong item. This is a scam by the seller and fraud if its done intentionally and I was overcharged a lot if its a mistake. 
Synchrony bank charged my account again today XX/XX/XXXX for the XXXX dollars that I disputed and denied my claim. This is an invalid charge because I did NOT RECEIVE THE ITEM I PAID FOR. Instead i received a lesser value item that is a fake and unauthentic and valued at XXXX dollars instead of XXXX dollars. Synchrony bank needs to remove that charge from XX/XX/XXXX and not charge me for an item I never received. The seller scammed me and sent me the wrong item and a very cheap and unauthentic item that is NOT solid 18k gold. Synchrony bank needs to resolve this dispute IN MY FAVOR and refund me back the XXXX dollars immediately. 
The charge is XXXX dollars today XX/XX/XXXX and also charged for the same item before 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 2023-03-25
Company: MoneyLion Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My information is on the dark web, and somehow, somebody opened an account in my name and got a loan or something. I need my government to help me just remove this from all 3 credit bureaus. I want nothing!. The name of this company is MONEYLION. I've never heard of them until the alert came from XXXX credit bureaus. Need to find where they deposited the money, AND what ID they used!! Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( Experian, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : XXXX XXXX XXXX, BALANCE {$1800.00}, OPENED XX/XX/2019, ACCOUNT 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 2023-03-25
Company: Experian Information Solutions Inc.
State: OK
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:
Assumed a VA loan in XXXX of XXXX. In XXXX of XXXX my credit score went down XXXX points and changed rating from exceptional to good. Mortgage company reported a modified payment agreement. Have not agreed to any modified payment agreement and account is in full good standing. Reached out to mortgage company on XXXX and they could not help me. Disputed with experian same day. On XXXX they came back and said investigation closed but my credit and the comment still remain. My credit history with XXXX, the mortgage company, is only since XXXX of XXXX. They are counting payment history of previous owners and that is negatively impacting me. This is not fair or correct. I have paid 100 % on time and full 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 2018-11-12
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking account through US BANK I didnt have the account that long and the account ended up closing but I ended up making the payment to the account and im.still.not able to open an account anywhere. When I went to pay the bank.account off the teller at the window said that it should have posted that i.paid it.. All I'm trying to do is not have to have greendot cards anymore so I would like to know what the. Next step to be able to get this fixed so I can open an actual checking account

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 2020-07-23
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: Was not notified of investigation status or results

Complaint:
Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.

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 2023-03-25
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/XXXX ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Consumer Solutions Group
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX XXXX XXXX and requested any documentation showing any of my information and signatures on a account that 's on my credit history. when I called I got the most rudest receptionist/ women ever. I was very clam with this lady after speaking with her about this account i requested a manager because she could n't help me. she could n't find me a manager after I requested one for the 5th time and all she did was continue to argue with me. I never got a manager but someone who he said he was a partner. Anyways ; once speaking with him and not really listing to what i had to say or was requesting he ended up getting an attitude as well. He told me only my lawyer can request any documentation and i would have to call the original creditor ( which I did but they gave me consumer solutions group phone number ). all i am requesting is any documentation and signatures showing i owe this account and if not I want these accounts off my credit report. I have no knowledge of how i ended up with these accounts and I want them deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged intoXX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.

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 2019-04-02
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I was filing this complaint because i have been a loyal customer for many years. I feel i was not treated fairly about my account and it was done wrong. I feel like a title loan is not a personal loan are two different things. I was talk to rudely by the manager when i told him that i was trying to pay. He refuse to sell the car to my daughter which the account was in my name and i told him i was willing to pay him XXXX a month because i am disable and get one income. My daughter is in college and needed the car. He argued to me that she could not get the car but sold it for XXXX when he would not take my daughter money. I think that was wrong and very distaste for to do to the customer. I want to settle on this account and have it closed and removed off my credit for XXXX. I will like my account to come to current. zero payments missed and i can start making my payments at XXXX a month before the XXXX of each month. I would love to continue to do business with this company if this account can be took care of. I have honored this company with my business please take of this as soon as possible because i think one of the best policies is to treat customers like you want to be treated not 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 2020-02-03
Company: EdFinancial Services
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been paying this loan for many years. Then my school closed and now I don't have access to get any copy of my transcripts or anything. I can get records that future jobs require and no proof I graduated. This is horrible and a true financial burden on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
To whom it XXXX concern, I'm just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. I'm pretty frustrating to be honest, but I know that mistakes happen. I trust you'll fix the situation. 

Here 's the wrong info : 1. This is a billing error always paid as agreed on time this is an error this account in violation. 
CAPITAL ONE Account Number : XXXX Please remove it from my credit report. 


I keep immaculate records of payment history acrossed all my bills and accounts, and there should be no late payments showing here. 

Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported. 

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: General Motors Financial Company, Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/XXXX - Set up auto payment for my new car lease with GM Financial. 
XX/XX/XXXX - Called GM Financial 's customer service since the auto payment did not go through and I had a late change. Paid the late change and had the fee waived. GM Financial 's customer service representative walked me through setting up auto payment online and provided the wrong amount ( - {$10.00} less than my actual payment ) since we was looking at the total amount with the " fee waived '' applied. 
XX/XX/XXXX- XX/XX/XXXX- GM Financial 's auto payment was pulling monthly payments from my account for - {$10.00} less than what was owed. With fee 's it looked like my typical amount, I did NOT receive any form of communication that this was inaccurate or that the full amount was not being paid. 
XX/XX/XXXX - GM Financial 's auto payment automatically disabled due to {$40.00} threshold activated for a " delinquent payment ''. 
XX/XX/XXXX - I was notified through my credit report that my credit report had dropped a " significant amount '' which is why they contacted me. When I inquired they said that GM Financial had listed it as delinquent. I reached out and GM Financial 's customer service told me that it was due to an error in Auto Payment feature and to file a dispute with XXXX and have them contact GM Financial where they would confirm the issue. I filed a dispute. The dispute came back and they said they do not reach out to financial institutions and that GM would have to contact them directly. 

I am now reaching out to CFPB in order to have this resolved since both institutions are communicate with each other to remove the delinquency. This was in error of GM Financial setting up the wrong payment amount leading to the auto payment being shut off and I do not believe it should impact my credit score. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello. 
The account on my name ( XXXX ) is not properly validated in compliance with FDCPA statutes. Portfolio Recovery Associates failed to validate the debt info and dont have right to collect. They haven't done proper research or helped resolve the account issue. Please verify the debt and send new validation and make sure the names and addresses match with my person. I demand that correct information be sent and that it truly validate the debt.I will continue to dispute the account until they resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Monterey Financial Services LLC
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:
I contacted this company about a account thats on my report that i have no knowledge I never leased anything from MONTEREY FINANCIAL SERVI or XXXX  XXXX XXXX this is a illegal account nd loan type Account XXXX Account typeLease Responsibility Individual Date openedXXXX StatusOpen. {$560.00} past due as of XX/XX/2022. Status updatedXXXX 2022 Balance {$4500.00} Balance updatedXXXX Recent payment XXXX XXXX Monthly payment {$260.00} Original balance {$4500.00} Highest balance {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: ORG GC GP Buyer, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern, The reason for my dispute is G C SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, G C SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) G C SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. G C SERVICES is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where G C SERVICES is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. G C SERVICES. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with non-monetary relief