BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I recently purchased a new Air Conditioner ( Compressor/Condensor/coil unit ). The company installing the unit had a financing arrangement with Synchrony Bank.

Sychrony Bank sent me a statement and urged me to set up online access and payment through the Sychrony Bank webpage. As is common with credit cards, payments are due on a specified date - and if " received '' or said to be received after that date the credit card compnay begins impsoing a series of fees, interest rates and seeks to take advantage of unsuspecting customers.

I made payments through the Sychrony webpage well in advance of a due date. Only because I happened to review my account did I discover that Synchrony suddenly refused my payments, despite representing earlier that the payments were properly credited. 

This sure looks like criminal 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 2021-05-17
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, 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 information incorrect

Complaint:
I have contacted XXXX about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this debt owed was a part of litigation that was resolved in XXXX with all monies owed to XXXX XXXX being resolved in a settlement. Further the debt was from XXXX but Portfolio associates has updated the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: Experian Information Solutions Inc.
State: MI
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 sent Experian, XXXX and XXXX 4 letters disputing the following items on my credit. I wanted them to provide me with documentation that these items belonged to me. Each credit reporting agency did not provide documentation of proof the items belong to me. They either stated they were updated, or had no change at all. The items are to be deleted is you can not verify the authenticity of them. 

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 I appreciate any assistance you can give me. 
Thank you!

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 2023-03-06
Company: EQUIFAX, INC.
State: IL
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, 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions!

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Comerica
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX which was a Sunday I stopped in XXXX charge {$23.00} on my card I lost my card immediately afterwards. I was not aware of this loss until Monday afternoon the XXXX of XXXX when I called to check my balance I found out my account was cleaned out of all cash. When I went to check for my card to call direct Express my card was gone so I called them and reported it lost or not stolen I knew it was lost. I told them my last transaction would have been at the XXXX for {$23.00} and anything after that would have been a fraudulent charge. So they have sent me a notice saying that there's conflicting reports of what I reported and what they found in their investigation which is ludacris because how can I report anything other than when I lost my card and what my last charge was? They have sent me a notice which I have attached to this complaint showing all the charges for that month off my card I'm only concerned about the ones from XX/XX/XXXX onward except for the one for {$23.00} which was my last charge. I have contacted direct Express trying to get copies of the documents they said I could get in this letter but they never send me a copy I don't know what documents they're talking about. Unless it was for my original claim which I filled out from memory. I lost a considerable amount of money as they're refusing to reimburse me for these fraudulent charges and it's been a financial burden for me cuz this is my social security retirement all the money I get every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-16
Company: Navient Solutions, LLC.
State: IN
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:
A payment XX/XX/17 of {$480.00} is still not applied to my account which is causing late/interest fees to my account which would be paid in full by now. 
I have worked with XXXX which mailed the check on XX/XX/17 -it cleared on XX/XX/XXXX being cashed by Dept of Education . 
XX/XX/17 XXXX  received ck # XXXX for {$480.00} cashed it on XX/XX/17 and sent the money back to Department of Education on XX/XX/17 in which no fees have been applied to my loan. 
With the transfer of accounts from Department of Education to Navient some fees were lost in the transfer -- XXXX & XXXX are checks shown as an example of this happening -- I have been working on fixing and paying off this account since XX/XX/2017 and have not been able to get a resolution. This affects my credit report, parent plus loans and fafsa applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chime canceled my account because they said I didn't provide them with documents of where I got my XXXX deposit from. I told them it was from my moms inheritance. They closed my account and kept my money which at time was less tha XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: Credit Corp Solutions Inc.
State: KS
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 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. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: CITIBANK, N.A.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Contacted multiple times by XXXX XXXX XXXX, which is not a legitimate business stating that I " owed a debt '' on a Citibank Credit card that " someone may have illegally taken out '' during XX/XX/2015 however, I did not live in the US in XX/XX/2015, nor did I open an account or give anyone my personal information. They stated that they had sent me multiple correspondence and that the only way to resolve this was to pay {$2500.00} on the spot and the harassing calls and contact to my family members and myself would stop. 

After looking up their information, I realized quite quickly this is a scam. The company has yelled at my family members on the phone multiple times during the workday and I have now filed a police report for harassment. I look forward to pursuing this further as this is a scam.

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 2018-09-21
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter from Hunter Warfield dated XX/XX/18, addressed to my work place not my home, confirming that they had received my claim of fraudulent ( which I was not aware that I had filed ). They requested that I provide them with certain information, cop of ID or valid driver 's license etc ). I called them and went through several departments. finally got connected with a support Dept. and the person wanted more information again, which I did not provided. I questioned the fact that the letter was sent to my place of business/work and all of a sudden got disconnected. I am afraid this company is fishing for information and uses fear tactics to get information. I don't know whether they are using it for ID theft or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
My husband died from XXXX on XXXX XXXX. 
On XX/XX/2021, Equifax automatically renewed my Complete Family Plan and charged my XXXX card {$290.00} for an annual subscription. 
Due to my husbands death I no longer needed a family plan. I contacted Equifax and was told that I could not switch plans. I had to cancel the plan and subscribe to a different plan. 
On XX/XX/2021 I canceled the Family Plan and received an email stating my cancellation had been received, it would be effective XX/XX/2021 and You will receive a refund for any fully unused months in your annual subscription. 
On XX/XX/2021, I received an email stating the Family Plan was canceled. 
On XX/XX/2021, I contacted Equifax to follow up on the refund. The first person I talked with said there were no refunds given for annual subscriptions. I argued with her and was transferred to another person who said I did not request a refund in time but he would send my case for review. I told him that was not satisfactory and I wanted to speak to some one higher. I was told to call back the next day. 
On XX/XX/2021, I spoke with someone who said I am entitled to a refund but due to a system glitch it had not been processed and that I should see a credit on my XXXX within two days. She gave me a case number XXXX and said I should call back if I did not see a refund in two days. 
On XX/XX/2021, I called Equifax because I had not received a credit. I was told it would take 7 to 10 business days from XX/XX/2021 for the credit to appear. 
On XX/XX/2021, I followed up with Equifax because I had not received the promised refund. First, the representative told me there were no refunds for annual subscriptions, then he looked up the case number and said the question of my refund was under advisement and no decision had been made. I insisted on speaking to a supervisor and was put on hold for almost an hour. Finally, a person who told me her name was XXXX and that she was a supervisor got on the phone. She stated that I am entitled to a refund but that none of the previous representatives had requested a refund. She the stated that she was putting through a PRIORITY CLAIM for my refund and that I should see the refund in 7 to 10 days. She gave me a new claim number - XXXX. She promised to send me a confirming email and gave me her email address. I did not receive the confirming email and when I attempted to email her, the email was returned due to an invalid address. It has been 13 days since I talked with XXXX and I have not received my refund. 
I do not think I can make any progress by continuing to contact Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-24
Company: EQUIFAX, INC.
State: GA
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 receive a hard inquiry on my credit report almost every month from XXXX XXXX and I do not own a XXXX XXXX nor have I authorized them to access my credit report. I want them to stop checking my reports!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since COVID 19 started my hours have been reduced. I have called Fay Servicing on many occasions. The first time was on XX/XX/20. I stated that I couldn't pay my mortgage do to my hours being reduced The representative stated that they have a forbearance program and to continue calling every month. I called on XX/XX/20 on XX/XX/20 on XX/XX/20 on XX/XX/20 and on XX/XX/20 after I received a letter stating that since they have tried numerous times to reach me I'm am now in forcloser. I was assigned from the start a case manager XXXX XXXX that never answered my calls but claims in this letter that he tried calling me. I requested to speak to his supervisor and left him XXXX XXXX a message on XX/XX/20 and never called me back. I finally got a hold on Mr XXXX on XX/XX/20 I mentioned all my situations including not receiving letters he claims were sent to me to fill out for my forbearance and calls they falsely claim they did. Mr XXXX asked me to go check my post office and to ask for the letters I never received and that he couldn't help me any further. I feel that Fay Servicing is not willing to help me during this crisis and are lying and falsely stating that they have been unable to reach me when I have made all the above calls mentioned. I feel that their tactics and practices are with bad intentions when all I need is help not threats during this pandemic. Please help me. Thank you XXXX XXXX loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Navient Solutions, LLC.
State: GA
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:
XX/XX/XXXX I got a loan from Sallie Mae for XXXX. Its now XXXX and I still owe XXXX. Ive paid this loan 2-3 times over. The year XXXX, I scheduled for the loan company to take money out weekly for every time I get paid. I paid {$3300.00} ; which is on my tax information. I went on Navient which has my loan now and looked at the life of the loan and the information does not match up with my actual payments. According to Navient I paid a total of XXXX, which is in correct. It also had late fees that were doubled and I was making payments sometimes on the same day as the payment was being removed from my account. On XX/XX/XXXX, I requested all payments from this loan and my contract. I was told it would be sent out. Im concerned that my payments were misappropriated and late fees were being charged, when I was making payments and Im being overcharged when my loan should have been paid off a long time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: EQUIFAX, INC.
State: NC
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:
I have a fraud alert on my credit report with XXXX, XXXX, Equifax the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to Wakefield and associates a debt for XXXX XXXX gym was reported under my name claiming to have a gym membership back in 2018. I have no relation to this membership, I did not sign up for this membership, I did not authorize any kind of reoccurring subscription. This debt that was sent to collections under my name and social security is affecting my credit score tremendously, and my ability to be approved to live somewhere. Im doing everything I can to have it removed and nothing seems to work. Its become very challenging to have this used against me and the very last thing I want to do is pay a debt that I did not create and have something false on my credit report for 7 years. Please inform me of anything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XX/XX/XXXX, I paid two bills with my Bank of America Mastercard. Bank of America Mastercard charged me a {$10.00} transaction fee for each payment saying that it was a cash equivalent. Never before have I been charged this fee. I called to find out how I could identify what companies would cause this fee to occur. XXXX at Bank of America said there was no way to identify these companies and that they could charge me the fee anytime they wanted based on a companies designation, but he said there was no way I would know the designation.

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 2018-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Incorrectly reporting to credit bureau on date of late payment. Showing on XXXX and XXXX as XX/XX/XXXX and Transunion as XX/XX/XXXX. Disputed consistently for 90 days. Last disputed XX/XX/2018 with Transunion and XXXX XXXX. Have records from Creditor showing their own information is incorrect, payment history and letter. Consistently refuses to fix disputes even though admittedly over the phone has said several times it is incorrect.

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 2021-07-08
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2021, I wrote to them requesting an investigation into items that I believed were Inaccurate. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This account does not belong to me and has been on my credit report for some time. I am asking that this account be deleted because it is not mine. I have attached an identity theft report as well. Please delete the account for US DEPT ED. I am sending this as myself no third party company or no other person that I gave permission to send on my behalf. I am sending this personally & the complaint is coming directly from me, 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