BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank will not let me change my address and phone number. I have attempted to change it on the web sites and it won't work. I have been on the phone with them for hours and they won't change it. 

They gave me a website to go to to verify my information ( XXXX ) and it won't work. I wasted 2 hours trying to get it to work and shot 60 videos to upload ( did not work ). 

The manager told me my emails were no good, my telephone numbers were no good and that I had to send in copies of a state id, passport, social security card, a local bill etc. 

Then the manager said my address was not listed in the three credit bureau files ( a lie ). I have copies from all three credit bureau files and the address has been changed since XX/XX/2018. 

I have never had such a difficult and aggravating time changing an address as this company has made it. I have on three occasions  attempted to change the address and phone number only to be denied the right to do so. This is unacceptable and unprofessional.

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 2021-09-09
Company: EQUIFAX, INC.
State: OH
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:
Equifax refuses to recognize that my city of residence is the same as the USPS normalized city for my residence address. My state driver 's license is an official government-issued ID and conforms to the Transportation Security Administration 's Real ID requirements, but Equifax refuses to recognize my driver 's license as proof of my identity. As a result of Equifax 's arbitrary and capricious refusal to recognize a valid state government ID, my access to credit has been delayed and I have incurred unnecessary expense to provide Equifax with additional proof of my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: AES/PHEAA
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: Problem with personal statement of dispute

Complaint:
I went through the Federal Student Aid and submitted multiple requests to investigate late payments on my student loan account. Currently XXXX XXXX XXXX is reporting 16 accounts, 120 days past due as of XX/XX/XXXX with all three credit bureaus. I completed my application to consolidated my loans with XXXX XXXX XXXX on XX/XX/XXXX ( E-signed document attached ). The XXXX XXXX  representative failed to mention that any of my Loans were past due on the day I consolidated. On XX/XX/XXXX, according to my XXXX history, XXXX   XXXX XXXX reported all 16 accounts 120 days past due without notifying me of their late status prior to my consolidation. I have documentation to prove this history through my monthly XXXX report. 

I also noticed the Federal Direct Consolidation Loan Application and Promissory Note application I completed online and processed by XXXX XXXX XXXX  expired on XX/XX/XXXX. This online application expired 4 months prior to me completing online on XX/XX/XXXX ( attached below ). Improper documentation could have resulted in my application being process or delayed, or notified correctly. 

XXXX XXXX XXXX  failed to update me on the status of my account and processed expired paperwork that they provide online, before reporting inaccurate information to all three credit bureau agencies. Because I moved from XXXX to XXXX, I did not receive any phone calls, emails or mail regarding any " attempts to contact me '' like they are claiming. 

I have submitted multiple requests to XXXX XXXX XXXX  and through a private attorney to fix XXXX XXXX   mistake. XXXX XXXX XXXX has take advantage of me and has put major restrictions on my future purchasing power due to improper credit reporting. These 16 late accounts have prevented me from applying for anything requiring credit. Until this is fixed, these XXXX XXXX accounts will hinder my financial growth for many years to come. 

I ask that all 120-day past due accounts reported by XXXX XXXX XXXX  be removed from ALL three credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
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 identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help

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 2017-12-04
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I opened an account ( XXXX ) with XXXX XXXX in XX/XX/XXXX I paid them for a year but never used the service because I never installed any equipment and in XX/XX/XXXX I decided to close the account and I paid them an early termination fee of {$270.00}. Later I began to received a lot of letters from them and as I have automatic draft they tried to take {$440.00} and I disputed with my bank, because I paid them what I owed them before plus the early termination fee. When I called them to ask what was happening they said that there was another account ( XXXX ) in new York with a balance of {$450.00} open with my name and my SSN then I explain that it was not my account that was impossible, they charged {$440.00} to the account that I close with them ( XXXX ) in Florida just because it was with my name and my SSN that someone used. I tried to explain and asked them to find out who opened this account because it was NOT mine and they transferred me to the identity theft department : In this department they said they can not do nothing because XXXX XXXX closed the account ( XXXX ) in new York and transferred the balance to my account ( XXXX ) that was closed ... just because there was opened with same name and social security ..., then there is not any identity theft because this is my real account, they said they CAN NOT investigate a real account then said I have to call XXXX XXXX and find out who transferred this balance and why? to my account. Then I spoke to XXXX XXXX and they said they do not use to transfer the balance of an account to another and they still finding out but any result.They sent me with a collection agency named Convergent Outsourcing and reported to my credit XXXX and XXXX and the only solution they are offering me is to report it to the police department. I would like you to investigate this kind of fraud why do they charged to an account it was paid and closed from another different account that was opened and fraudulent, the thing is if its supposed '' '' '' I have an account in New York : why do n't send the letters and charges with the correct account number opened in new york? and use the account that was pay off?? very convenient, no? because the identity theft department can not investigate it because it was charged to my real account, and a real account can not be investigate.

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 2021-09-09
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I submitted a dispute regarding an unknown XXXX XXXX account listed on my credit report with a balance of about {$4000.00}. I sent follow up letter 's to the credit bureaus on XX/XX/XXXX after information came back verified. No response to how it was verified. I received notice from XXXX XXXX on XX/XX/XXXX that they were unable to locate any account information based on the information I provided, which was the account information they are reporting. I sent the letter received from XXXX XXXX to all three bureaus on XX/XX/XXXX and XX/XX/XXXX. I've file disputes electronically with support docs and called. Still, they continue to report this inaccurate information. This has caused me great financial hardship in higher interest rates for vehicles and I'm unable to get bonded at a decent rate due to this error. I'm not sure what else to do. This account is not mine I contacted the company and even my ex-spouse to see if he got this card in my name. He said he didn't and XXXX XXXX can't find it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXXXXXX, US DEPT ED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.

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 2021-05-24
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received notification in XX/XX/2021 that a new collections account was added to my report from Phoenix financial. I never got any calls or letters in the mail notifying me about this debt. Approximately 1 week ago, I received a call from someone who claimed to be calling about the debt of XXXX. I told him I had no knowledge of this debt. He began to give me specific information about it including the date of service, the provider, type of service and that it was due to a hospital stay. HE DID NOT CONFIRM MY IDENTITY before divulging this information. He never asked me to confirm my date of birth, or any other identifying information. I then asked him to send me a letter with the details and validate this debt. I never received a letter nor did he notify me of my right to dispute. this is a violation of texas finance code 202b stating that any debt collector has to notify you first and send you a written letter validating the debt upon request. Also you have to allow 30 days, allowing you to dispute any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After being subjected to a 3 and a half month XXXX XXXX loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing XXXX XXXX so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to TransUnion after I disputed to TransUnion that I still owe XXXX and that I have not paid them in full. and reporting that I still owe XXXX. I supplied TransUnion with a XXXX statement and they chose to ignore the amounts paid to XXXX XXXX  to pay them off and still reporting inaccurate information.

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 2019-09-18
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
There is a balance of {$16000.00} owed to XXXX of XXXX, SC. This account was opened in XX/XX/XXXX original balance was {$570.00}. In XX/XX/XXXX paid {$30.00}. Contacted by Ms. XXXX XXXX XXXX XXXX in XX/XX/XXXX she said that a notice was sent to me I never received a notice, at that time i had a debit of {$30.00} debited from my checking account and ask that the remaining balance be debited the same way, however, there was not enough to cover the draft since this is how I pay all my bills. Around XX/XX/XXXX I received a call from a Ms. XXXX XXXX stating that I owe a balance that has not been paid. Contact Ms. XXXX on or about XX/XX/XXXX stating that I missed the deadline for getting back to her to correct this issue it by XXXX that morning for she said that is the only way to stop the information from going to the county and if I did not it would cost me {$1600.00} for court fees, plus amount owed, filing fees ect. I was going to send the money to her XXXX XXXX at XXXX XXXX XXXX, VA XXXX. XXXX XXXX in XXXX, Va XXXX I called her back and told her I could not sent the money because my rent had to be paid the same time she said she would have to process the paper work to XXXX , County for complete processing and some one will either come to my residence or my place of employment to serve me information. There after I started receiving phone call from family members and people in the community saying that the FBI was looking for me concerning a Bad Check this was happening all over town and I was felt violated because I had spoken to her and let her know the reason why i could send the money at that point. Spoke to the XXXX XXXX  XXXX several times they can verify about trying to obtain a nother number to locate this collection company but they said this is all they had. The files were being sold to diffrent companies always wanted to clear this up. Spoke to Ms. XXXX and she denied the it however she did give me some names that spoke to me. Ask copy notice sent to my address she said they do send copy of notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Were being lied to by XXXX XXXX. tell us our payment will be adjusted back down to original amount if we paid an additional XXXX by one XXXX and it remained at the increased amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
3 accounts from XXXX XXXX XXXX is reporting missed payments and this account was never missed any payments. The account was consolidated over 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: TX
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 was a victim of gift card fraud. I was scammed {$2000.00}. 3 Gift cards were purchased from XXXX and no employee raised a red flag. 1 was purchased from XXXX. Credit cards need to adapt with new fraud cases. The so called {$0.00} Fraud program from XXXX and Chase leave customers unprotected and with no coverage for lost money. Customers do not benefit from being scammed and have to come up with the money. The system is broken. I reached out and provided police report and case number for the input reportfraud.ftc.gov submission. They did not care. I know I am not the only victim and it is sad that these big credit card corporations fail their customers. I have been a user for many years, I have a credit score of XXXX and have never filed a fraud claim like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: ULRS, Inc.
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My daughter was in XXXX XXXX  in XXXX in XXXX. I was dealing with a woman named XXXX XXXX on all the billing. She was very helpful and it ended up with everything taken care of after XXXX sent out duplicate checks that were never cashed the first time. 
In XXXX I receive notice from the XXXX XXXX XXXX XXXX, whom I tried to contact on several occasions via phone calls and messages left with the secretary, to no avail. I never heard back after several months of that going on so I assumed it was a scam. I tried to contact XXXX XXXX who is no longer with the company. Heard nothing back until XXXX Credit Collection Bureau has sent out a notice for a collection in the amount of {$2300.00}. I called to find out what this was about and the gentleman I spoke to was extremely abusive, told me he could give me the number to the White House if I wanted any other answers and didnt want to just pay the debt, told me that I clearly stole money from my insurance, told me that he was going to call the police to come straight to my house, and went on to call me several names that were disgusting. When I called back the next day to reach out to someone new I got a young woman named XXXX XXXX Who is extremely sweet and somehow she is from a group called XXXX XXXX XXXX. After several attempts on my end for answers she has me send her a packet which I got through XXXX Of all claims and all checks that were cashed and also who had cashed them to prove that it was not me and it was in fact XXXX XXXX! I pay {$30.00} to send this package out to them at the PO Box she gave me and the name XXXX XXXX she gave me and no one claimed it, it ended up getting returned to me. What I want in the end is for this debt to be cleared because it is not an actual debt and somehow it is a scam between the rehab and XXXX XXXX. Some of the dates that are on the claims stating my daughter did XXXX test are actual dates that she was not in XXXX and I have brought this to their attention on several occasions and once again with no answers. I want this harassment to stop and I want this to be cleared somehow. If this is an actual debt I will pay it but somehow I need answers from someone and proof that this is real. This has gone on for years and this is part of our lives that are in the past so I dont understand why it keeps coming up but no one will respond to me from these companies! Thank you so much.

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