BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: SYNCHRONY FINANCIAL
State: MN
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 been billed twice again {$1500.00} by my credit card issue r Sams Club MasterCard -Synchrony Bank for a charge which already was in  dispute on  XXXX   XXXX , and which I had already filed a claim with Synchrony bank and they made a credit adjustment posted on  XXXX / XXXX /  XXXX   The retailer  XXXX   billed  again on  XXXX   XXXX  and AGAIN for the same charge on  XXXX   XXXX   XXXX .  XXXX . I now have had to freeze my card and  Synchrony and MasterCard have not been helpful. Sychrony only want to put the in the dispute category again for another 60-90 days which is again st the fair credit reporting act. I have a great credit history and do not want to deal with his hassle or have my credit impacted in any way.

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 2022-12-03
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-03
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:
I called trans union about my 12 inquiries multiple times because i was a victim of trans union inquiry issue for months and issue was never solved i submitted letters as well trans union keeps denying and wont remove them im coming to the cfpb for your help to fix this problem I need these following inquiries removed from my trans union report XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXXE ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX  XXXX- XXXX ( Auto ) XXXX XXXX XXXX Bank ) XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( Rank ) XXXX XXXX XXXX  XX/XX/XXXX 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 2020-07-13
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XXXX I began receiving notices that my property taxes were unpaid ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Tx XXXX ). At first I disregarded thinking the mortgage company had paid the taxes but eventually I got worried and call the County Office.  They said the taxes were unpaid. I contacted Dovenmuehle Mortgage regarding this issue ( XX/XX/20 ) and sent them the last tax bill I had received. They did nothing. I have since sent them 5 messages through their website, three emails and called them three times. Each time they said the problem is solved but then I get another bill. Now I got a delinquent Tax Warning from Lawyers ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ). I just called Dovenmuelhe AGAIN and I talked to a supervisor ( XXXX, who refused to give me her last name but says her employee number is XXXX ) but she refused to send me anything in writing ( not even an email ) acknowledging that they are taking care of the problem. She also refused to give me an extension number or any other phone number of who to call. She says I have to continue calling the call center ( I have spent at least 10 hours on the phone with them this month ). All she said I can do is wait, which is the same thing I was told last week, and the week before and each time I called. I have emailed the company 3 times and also sent them messages through their website ( 5 times ) but I have not received ANY kind of reply. She has no explanation on why ANY of me " secured '' messages were unanswered. In the meantime my credit history is getting ruined and I have a lot of stress from them not paying my taxes. The money is on my account on escrow, so this is NOT a matter of not having the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Kriya Capital, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Identify theft. Fraudulent account. Never agreed or opened a loan or had knowledge of said loan that was opened in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDENCE RESOURCE MANAGE XXXX I have no knowledge of the above account. Please delete from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I have been a victim of identity theft and no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/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 non-monetary relief
Consumer complaint received 2021-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX  dba : XXXX submitted in error with out our consent or authorization inquires on XXXX XXXX XXXX with XXXX, XXXX, Trans Union XXXX XXXX XXXX XXXX XXXX and XXXX. Camping world submitted a letter to have all inquires removed from our credit reports on XX/XX/XXXX. This has not happen with all 3 credit reporting agencies. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX I have no knowledge of the above account. Please delete from my credit reports.

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 2019-06-24
Company: AMERICAN EXPRESS COMPANY
State: NY
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 signed up for Amex everyday credit card after following an online promotion of {$150.00} cashback as statement credit after spending {$1000.00} in first three months. It was way back on 2016. I followed the criteria and still I didnt get any statement credit. I followed up with customer service via phone and chat. They told me that i did not clicked the link for the cash back after spending {$1000.00} in 3 months but i clicked a different link for cash back after spending {$2000.00} in 3 months. I clearly remembered that I signed up based on the first criteria because i know my spending habits. There was no reason for me to sign up for a credit card at that time other than their catchy but false promotional promise. Anyways they gave me a complaint number and never called me back to resolve the issue. I felt so much cheated that I stopped using amex. I was new at this country at that time with limited English speaking ability. Also I didnt know any other places to look for resolve. Now I know my rights and want to file a complaint against this giant company. They can deny and they might choose to not give me my cash back but i want to let them know that you lost a customer and I would tell my friends and family never to sign up for amex again. I am super happy with my XXXX   and XXXX credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: PA
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 sent in a dispute XX/XX/2020, and on XX/XX/2020 I sent a letter requesting a response being that it has been over 30 days without them communicating back to me. I called Equifax XX/XX/2020 asking them where was I in my dispute process and the Equifax representative told me they just started the dispute XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I believe my ex may have been the person to open the account without my knowledge but I do not have any definitive proof ; just my suspicions. Those suspicions have been reported to the XXXX Police Department Cyber Crimes unit as I believe the account was opened online. The collection company contacted me in XXXX and stated there was a collection account in their office. At that time I advised the agent that is impossible as I haven't had T-Mobile phone service since I was employed with the company and expressly stated to the agent if there was an account that bore my name in collections in their office it needs to be investigated immediately for fraud because I have had service with XXXX for years now. The agent ended the call explaining that she would send it back to the company ( XXXX ) for proof or additional documents to be used to validate the account but it was not. However, it was placed on my credit report. After noticing collection on my credit report I immediately called the collection company ; not only could they not explain why this account was recorded on my credit report which is a direct violation of Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
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:
XXXX/Equifax have done two investigation with the OAG child support division and come back with the incorrect information both times, when I am able to call during any business hours and get the correct information from the first person I speak to. XXXX/Equifax has my obligation starting before it was ordered to start, as well as missed payments when I have not missed one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2019 Capital One has been complained about concerning my account. My account is supposed to be blocked from re-occurring charges and I don't have overdraft protection. As of last night my balance was correct, and today they have something on my receipt for pending authorization on a cash deposit, and they have tied up my money for unauthorized re-occurring charges.

The charges are from XXXX XXXX XXXX. I made a one-time payment of XXXX to order Credit Reports. I went in to the their system and changed the payment method to be withdrawn on the XX/XX/XXXX. XXXX  has XXXX charges pending from my checking account. AS for Capital One, I am going to find another bank, because I am tired of them tying up my funds for unauthorized and recurring charges. And I am going to use another credit repair company.XXXX Case ID # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00}

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 2022-12-03
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXXr {$830.00} I have tried resolve this issue several times no results they cant prove the account is associate with with these is stopping me from applying for a home and car according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character

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 2019-06-24
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was contacted by Peter Roberts & Associates , Inc.,  XXXX, MA about a collection debt in reference to emergency room services that were provided by XXXX Hospital on XX/XX/XXXX for my son. XXXX XXXX paid the allowed amount ( {$210.00} ) to the hospital. Payment was accepted by the hospital.

Peter Roberts & Associates, Inc. provided a statement from the  hospital that shows that the balance for XX/XX/XXXX was {$0.00}. The same letter shows that on XX/XX/XXXX a bill of {$450.00} was marked as a Collections Write-Off. 

On XX/XX/XXXX I wrote to Peter Roberts & Associates , Inc. with receipts from XXXX XXXX showing that the bill had been paid and accepted by XXXX Hospital. It also included documentation showing that the {$450.00} was not a billable amount and that the " provider is prohibited from billing the patient for the difference ''. I explained that this is clearly an accounting error on the part of the hospital. 

On XX/XX/XXXX Peter Roberts & Associates , Inc. again wrote with no further documentation and demanded payment again. 

On XX/XX/XXXX I again wrote to Peter Roberts & Associates , Inc. and  summarized my previous statements that this bill is an accounting error and I specifically indicated that they DO NOT have permission to further harass me on this issue. 

On XX/XX/XXXX Peter Roberts & Associates , Inc. again sent a  collection bill to myself. 

On or about XX/XX/XXXX Peter Roberts & Associates, Inc filed a claim with both XXXX & XXXX  Credit Reporting Agencies. 

On XX/XX/XXXX I disputed the claims with XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: Experian Information Solutions Inc.
State: NY
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 contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : please see attachment.

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 2020-04-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit 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 had made a purchase right before COVID-19 shutdown, I was not satisfied with the item I bought. Due to the COVID I couldn't make a store return. I tried, time and time again to contact billing department, macys customer service, and returns department by phone, just to be hung up by the system every single time. There's no LIVE person to speak with, the system keeps hanging up the phone and if I don't make payments, my credit will go to XXXX! WHY SHOULD I CONTINUE TO PAY FOR SOMETHING I DON'T WANT AND CAN NOT RETURN??? There's no help online either! 

THIS IS PURE 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 2020-07-14
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 is missing that should be on the report

Complaint:
XXXX XXXX The FCRA 611 - 15 U.S.C. 1681i ( 5 ) ( A ) ( i ) ( ii ) ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The above account is incomplete. There is no phone number for the data furnisher. Please delete this account from my credit 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