BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] [ XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] PHONE NUMBER ( XXXX [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED UNWANTED INFORMATION FROM CREDIT PROFILE PLEASE HELP ASAP ]

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 2022-01-24
Company: LEXISNEXIS
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:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : XXXX XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX XXXXXXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record XXXX  XXXX Bankruptcy XXXX Remove this Bankruptcy from my Public record

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: SUNRISE CREDIT SERVICES, INC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit report and was that information, I mailed asking for verification of my debt, since I was disputing with att, they mailed me the bills buy not the contract of how they calculate my debt.i got a second letter state the same without any explanation of my debt, amount I was disputing with the store ( no plan with that company they offer a flat international plan, after I got my last bill I was told no more extra charges will in my account ) Totally unfair this account is in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Bread Financial Holdings, Inc.
State: IN
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX. My account number with Comenity/Childrens Place ends in XXXX. I am filing a complaint against Comenity/ The Childrens Place credit card company for unfair lending and credit practices. I had not realized I was primarily paying Late fees, interest charges, and insurance on this account. I am in the process of getting the fraudulent Account Assure that was placed on my account without my approval credited back. On, Friday, XX/XX/2023, I talked with a supervisor named XXXX. She stated that she was a supervisor of the Sr. Account Specialists. I explained how it is unfair that I have been paying nothing but, Late fees, interest, and insurance charges. I asked if there was a way they could refund some of these fees and she said no. I am contacting the Consumer Financial Protection Bureau in hopes that Comenity will help rectify this serious injustice. I think it is only fair that they credit these fees to clear my account to a XXXX balance. I have attached a copy of the transaction supporting my statements. Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28
Company: EQUIFAX, INC.
State: MD
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:
XX/XX/XXXX/XX/XX/XXXX I filed disputes with XXXX, XXXX and Equifax for a medical debt that was placed on my credit reports, which I learned was a result of the company, XXXX XXXX XXXX XXXX ( XXXX ) failing to file a claim with my health insurance providers ; I have both primary and secondary providers. 

XXXX and XXXX immediately removed the account ; Equifax did not. Not only have they not removed it, their website will not allow me to re-open the dispute to attach the documents I'm including in this complaint to show that not only do I dispute that I owe the account, the documents are proof that XXXX XXXX XXXX   XXXX have apparently been unwilling to bother filing a claim with my insurance providers even after I provided them with copies of both cards XXXX times throughout the past year and EVEN AFTER Maryland Attorney Generals Office provided them with copies of both cards. 

The fact that XXXX XXXX XXXX  XXXX failed apparently, intentionally, to file a claim with my insurance providers makes them accountable for the bill, not me. 

The fact that Equifax refuses to remove the account from my credit report and also refuses allow me to re-open the complaint through their dispute portal online is why I am filing this complaint with the CFPB. 

For reference, see CFPB Complaint Number XXXX against XXXX XXXX XXXX XXXX. 

Federal Law is clear that medical providers who do/did not, and in this case seemingly willingly refuse, to file a claim with a person 's health insurance carriers leaves the burden of the account on the medical provider not the consumer. 

Federal Law also requires Equifax (, XXXX and XXXX ) to remove medical debts from credit reports when the consumer provides evidence that the bill is an error ... and in this instance the error is the the medical provider 's unwillingness to file a claim even after Maryland Attorney General 's Office intervened, yet, XXXX XXXX XXXX XXXX still has not filed a claim with my insurance carriers. 

It is for that reason Equifax should have removed the account from my report nearly a year ago, and why I am filling this complaint against Equifax requesting they immediately remove it from my credit report and is also why I have initiated a complaint against Equifax with Maryland Attorney Generals Office of Consumer Protection for not following Federal and MD State laws dealing with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased 3 airline tickets from XXXX on XX/XX/2023. I was charged 6 times. I disputed the double charges but only was credited one overcharge. When I contacted credit card ( Synchrony ) they said I only disputed one charge. A new dispute was opened for the other 2 double charges. Charges was cleared after a month or so, then the charges was reversed and they said I owe it. {$610.00} for something I did not receive. XXXX is showing the credit card I purchased airline tickets. But when I call XXXX they tell me they see the problem and will fix it, that it was a computer glitch. 6 months later no results. Now are taking monthly payments out of my 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 monetary relief
Consumer complaint received 2020-01-01
Company: Chesmar Homes
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/XXXX we put our earnest money down on a new construction Chesmar home. At this time, we applied for a loan through their lender XXXX XXXX. 

We closed in XX/XX/XXXX. During all of XXXX our mortgage payment was {$1700.00}. In XXXX it jumped to {$2500.00} as we were {$4100.00} short in our escrow. Although we were paying extra into our escrow account, we were still short. We could not make the new payment of {$2500.00}. I called the bank that has our loan and asked what my options were. They spread the shortage over 36 months making our new payment {$2300.00}. Not what we had originally been told our payment was when we closed but it was better than {$2500.00}. 

Now we are struggling to keep up. We decided to try to see if we could get into a home with a lower price point in hopes to have a more manageable mortgage. Working with a different lender this time we have investigated what options are available to us. At this time, we were informed that our escrow account should never have been set up to the unimproved amount and should have been set up to the improved amount of the home and land. It also appears our debt to income ratio was too high, and had they used the improved amount, we believe we would have been denied for the original loan. On reflection, we feel we never should have been approved for a loan of this amount but were guided by the lenders at the time. 

We are now in a difficult situation as we do not qualify to refinance due to the debt to income ratio and selling our new home will be hard as our neighborhood is still a new construction area. There have been no homes sold yet by the original owners to even compare our home. If we sold, we would walk away with less money than we even started with, resulting in us not being able to purchase another home. 

Being approved for this loan has put us in a financial and emotional hardship. At closing we signed for an estimated {$1700.00} and we are now paying {$2300.00}. We trusted XXXX to approve or deny us honestly, but we feel we were just approved even though the numbers didn't add up. We feel XXXX failed to set up our escrow account correctly resulting in a substantial shortage. Following closing I reached out to XXXX multiple times asking what the appropriate amount we should be putting into escrow each month and I never got a response back. 

My husband and I are both XXXX  in the community. We were also never told about the numerous programs that are available to XXXX   and feel as though this should have been information provided to us at the time of the mortgage process. 

We feel taken advantage of as first-time home buyers and were pushed to go with the builders lender. I would like XXXX XXXX to be held accountable for this. I would also like your assurance that this will not happen again to other naive first time home buyers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian Experian has XXXX/XXXX XXXX XXXX XXXX has on my credit file wrong information as to amount owed on the loan. 

Experian has XXXX/XXXX XXXX XXXX XXXX showing incorrect late payments and errors on my Experian credit report I have provided the original amount of the loan and a letter showing there was no delinquency information to the credit reporting bureaus. 

It seems Experian gather information base on errors and incorrect way they gather information to this account as to delinquency in Experian errors. 

XXXX was the servicing company not the loan originator/owner of the loan was originated from XXXX XXXX XXXX XXXX loan documents showing loan amount & Credit information provided stating they did not report delinquency information to credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Sequium Asset Solutions, LLC
State: CT
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report, there was an XXXX bill in collections. My credit is close to perfect I do not use XXXX nor did I open this account. I called XXXX to try and see where this originated and they need a cell # or account number to search me. The rep said she was unable to search by name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Spring Oaks Capital, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : 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 2021-02-02
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit 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 have been incarcerated in the Oklahoma XXXX  XXXX XXXX at the XXXX XXXX XXXX XXXX since XX/XX/2007. I recently obtained a current copy of my credit report to only find out that I've been a victim of Identity theft. I wrote a letter to Synchrony Bank regarding the Amazon store card open in my name without my knowledge or consent, along with a dispute with supporting documents showing my ( CRC ) consolidated record card along with my prison ID, social security number, a Identity theft sworn affidavits. Where the company said that my personal information match and denied the claim without an active investigation, its response was nothing more then a smoke screen dancing around the issue. Nothing in there response substantiated how I opened this account while being incarcerated for the past 14 years, they haven't sent any credit card to a prison. Any address on my credit report is a result of my Identity being stolen. And I ask that this company remove this account from my credit report because I had not opened it nor authorized and one to do so. 

ATTACHMENTS

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 2023-09-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
on XX/XX/XXXX bank closed account ending in XXXX and nobody knew account ending in XXXX saying that I had a balance of XXXX. On the same day the merchant refunded XXXX by the bank did not credited to the new 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 2023-09-01
Company: Affirm Holdings, Inc
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
On XX/XX/XXXX  XXXX and XXXX reported a transaction on my account that I did not give permission to. According to the Consumer Protection Bureau 15 U.S code 1681a2 I did not give written permission to have XXXX  and affrim to furnish on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Synovus Bank
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is submitted by counsel as attorney for the complainant at his request. Complainant is a XXXX-year old double leg amputee and XXXX veteran. 

On XX/XX/XXXX, complainant had his checking account with Synovus Bank in XXXX, XXXX On that day, he visited a Synovus Bank branch and informed it of numerous unauthorized debit card transactions in his account. He was told the bank would fix it, asked not to close his account, and to make a police report. Complainant did so, making a full report to a police officer at the branch the next day. Complainant was not told of anything else he needed to do and believed the matter would be resolved by Synovus. Complainant visited the branch two more times to check on the matter. Each time he was told the bank would be telephoning him. It never did. 

Still having no word from Synovus, in early XX/XX/XXXX, complainant again visited the branch. He was told he had never disputed the unauthorized transactions, that he had to fill out the written form and that he could not recover anything for charges older than sixty days from that date. Synovus therefore denied complainant recovery for the month of XX/XX/XXXX, the month which had the highest amount of unauthorized charges. 

Synovus subsequently recredited {$2200.00} to complainant, but complainant has still lost over {$23000.00}, which Synovus refuses to recredit.

Additionally, complainant by letter to Synovus on XX/XX/XXXX and XX/XX/XXXX requested it to provide him with information and clarification pursuant to 12 CFR 205 et. seq. on : ( 1 ) All EFTs in issue from XX/XX/XXXX to the present for which Synovus failed to recredit complainants account ; and ( 2 ) All EFTs in the same period the investigation of which Synovus closed for alleged lack of information. Synovus has made no response to these requests.

Synovus conduct above violates Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: OK
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-28
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: Confusing or misleading advertising about the credit card

Complaint:
I received an email from American Express regarding a promotional rate of 0 % on my account XX/XX/XXXX. The promo said the rate would be expiring in XX/XX/XXXX. I have only one Blue For Business card so I started to take advantage of that rate. I saw on my statement that the interest was not adjusted. I went back to the email to look closer to notice it was for a different account number. I called the Amex representative and she said the account represented in the email expired in XXXX. I told her I never activated a card with that account number and I am requesting they honor the rate for my actual card or remove the interest. She said neither would be possible.

Company response to consumer: Closed with explanation