BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I lost my synchrony chevron card awhile ago ( XXXX ). They canceled the card and replace the card account ending in XXXX. Then suddenly out of the blue I get a {$250.00} refund check. Which I thought was strange. I deposited the check. After that, they never informed me that they made a mistake. Then out of the blue the old account shows {$250.00} owing and that it is in arrears. I called them and they identified they had made a mistake sending me the {$250.00}. I made a payment over the phone for the {$250.00} so we could call it a day. About a month later I go onto my account and there is the same {$250.00} owed and in arrears. I have been on the phone all day with them. They told me that the phone payment was not excepted. But they said the payment attempt was on XX/XX/XXXX. That is a blatant lie. I had major XXXX on XX/XX/XXXX and was in the care of my sister XX/XX/XXXX. I have no idea what these people are doing and I need help. XXXX XXXX XXXX XXXX. I do have some short term memory loss due to XXXX. I have no idea why they would lie about the date I made payment. I am requesting records from my bank.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-09-23
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:
After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX {$270.00} not mine XXXX XXXX XXXX XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: IL
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 called my realtor to apply for a new place to live. When they ran my credit, I was told that there were several Items that would prevent me from being able to be approved. When I saw what was on my report I was very shocked and upset. There are several things on my report that don't belong to me. As a result, I contacted the local police and FTC. XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have existing Checking / Savings Accounts with Wells Fargo Bank. Approximately 30 days ago I received a Rollover Roth IRA from a former employer and brought the required paperwork to a Personal Banker in the Wells Fargo XXXX in XXXX XXXX, California. It was apparent that he was inexperienced because he sent the wrong paperwork to XXXX XXXX, holder of the funds to be rolled over and a week later I had to resend the paperwork myself. After another two weeks of chaos and confusion on the part of Wells Fargo, I finally received the rollover check in the amount of {$810.00}. I contacted Wells Fargo Bank and was advised to " overnight '' the check to the XXXX, NC address Attn : IRA Processing. I XXXX Priority Mail " overnighted '' the check to Wells Fargo on Thursday XX/XX/XXXX. I checked the track and confirmed that delivery was attempted on Friday XX/XX/XXXX, Saturday XX/XX/XXXX and then the check was delivered and signed for by XXXX at Wells Fargo at the NC address on Monday XX/XX/XXXX. Today, Wednesday XX/XX/XXXX, I contacted Wells Fargo Bank and inquired the status of the check and was advised that the delivery was not in the system. Another " ticket '' was generated and Wells Fargo advised that I should call back at the end of the week.

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 2023-07-21
Company: EQUIFAX, INC.
State: IN
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 checked my credit report XX/XX/XXXX and notice there were hard inquiries on my credit report that I dont have permissible purpose to be on there these hard inquiries are hurting me from being approved recognize I have reach out to all credit bureaus in the fraud department and these items are still in my credit profile. My rights are now being violated under 15 usc 168 1b XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter requesting the complete accounting and evidence of the alleged debts to ARS Account Resolution Services on XX/XX/ 2021 for account numbers # XXXX and # XXXX ( letter is attached ). ARS did not provide a complete accounting and evidence of the debt ( letter is attached ). I demand they delete the accounts because they are reducing my credit score and are unable to validate the debt. They are causing me to pay higher interest rates for a debt they can not validate. If they do not remove these accounts, I will have to sue them under the Fair Debt Collection Practices Act and the Florida Consumer Collection Practices Act.

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 2019-11-06
Company: First Data Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
I notified money network card services of charges that were not mine they did an investigation and they informed me that the company for the charges gave my name and address. But when asked what name and address the company gave card services stated my name and my new address. But my new address was not my address when my card was used. So I sent two emails trying to get card services to revisit my case but I keep getting the run around. I spoke to several reps who said my email was recieved and I have to give the dispute department 90 days to make a decision but I can call every week for updates. OnXX/XX/2019 I was informed no emails have been recieved. So now they want me to submit another email but with all the false information how will I really know someone is working on my dispute for real. The card services also closed my case with their so called finding. I need to know that someone is looking into my request that I did not give permission to use my card for a purchase at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: CCF Intermediate Holdings LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Loan payment wasn't credited to your account

Complaint:
I received a payday loan in the spring of XXXX in the late summer between XXXX and XXXX I was given the option to pay a final amount to pay off my loan in a lump sum. As I did so and the amount came out of my account I believed that I had paid off XXXX payday loan. However, in the following months after security finance continued to take out the normal payment amount without my knowledge. This year in XXXX I noticed my account had been overdrawn from a charge called XXXX  XXXX never noticing that was indeed check into cash. I went into check into cash and told them of the issue they proceeded to tell me the employee that took my lump sum payment no longer worked there and that I still owed money to the company. They have harassed me calling me every morning about payment. Even though Ive continued to give them money just to no longer deal with this and get it over with. I dont see how they can be allowed to do these things. The plan I set up for shouldnt be still in affect a whole year later. The loan shouldve been paid off with my lump sum. Theyve been robbing me of XXXX $ Each month for the last 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have had a few issue with account that I do not recognize on my credit report. I am refinancing my home when I found the following accounts : XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** XXXX # XXXX**** I have requested a re investigation to dispute the unknown accounts I need a copy of my credit report for my own personal review.

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 2019-11-06
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX & XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 monetary relief
Consumer complaint received 2021-09-25
Company: Bliksum, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
At the end of XXXX, I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, to help me lower the overall payments/rate of the payday loans I am currently paying on. As of XX/XX/2021, XXXX XXXX took charge of four payday loans. One of those loans was through Loan MeXXXX XXXX. XXXX XXXX however, still wrongfully debited my Checking Account in the amount of {$190.00} on XX/XX/XXXX. I let that one payment slide since I just joined the payday loan settlement group just a day prior. On XX/XX/XXXX, Loan MeXXXX XXXX yet again wrongfully debited my checking account in the amount of {$190.00}. I contacted my bank, XXXX XXXX, and they mentioned contacting the loan company first to inquire about the mistaken charge. When I spoke to the Loan Me/XXXX XXXX agent, I was told there was nothing on my account regarding stoping ACH withdrawals or that they were contacted by XXXX XXXX XXXX XXXX I knew the lady/agent was either certainly lying and/or whomever XXXX XXXX XXXX spoke with was a shady agent and did not do as they were told. I then reached out to XXXX XXXX to confirm they did in fact contact Loan MeXXXX XXXX and sure enough, they did. I have not had any issues with the other three payday loan companies XXXX XXXX XXXX is dealing with on my behalf, so I truly believe they were telling me the truth. Afterwords, I contacted my bank and asked them to put Stop Payments on Loan MeXXXX XXXX. I looked at my checking account on XX/XX/XXXX, and much to my dismay, Loan MeXXXX XXXX once again debited my checking account for {$190.00}. On XX/XX/XXXX, I recently e-mailed XXXX XXXX  inquiring what happened to my previous Stop Payment request and truly hoping this can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Self Financial Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I HAVE DISPUTED AND SUBMITTED SUFFICIENT EVIDENCE IN REGARDS TO INCORRECT DATA REPORTED WITH ALL THREE CREDIT BUREAUS. I HAVE ALSO SUBMITTED A POLICE REPORT TO SUPPORT THE FACT THAT MY IDENTITY WAS STOLEN. I HAVE BEEN FIGHTING WITH THE BUREAUS FOR OVER THREE YEARS NOW ALONG WITH OTHER CREDIT REPAIR AGENCIES THAT I HAVE HIRED TO NO AVAIL. THE ACCOUNTS ARE LISTED BELOW AND HAS CAUSED GREAT XXXX XXXX AND XXXX. I AM UNALBE TO MOVE FORWARD IN MY CREDIT CAREER HAVE NOT BEEN IN XXXX. I AM TRYING TO PURCHASE A HOUSE!! POLICE REPORT # XXXX XXXX XXXX XXXX  Negative Account Info Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX Account Info Account XXXXXXXX XXXX  XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 
Status UpdatedMay XXXX Account Info Account NameSBNASELFLNDR Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date XXXX StatusPaid, Closed. 
Status XXXX XXXX Account Info Account NameXXXX - XXXX XXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusOpen. {$110.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX  XXXX Account Info Account NameXXXX XXXX  Account NumberXXXX Account TypeCell Phone ResponsibilityIndividual Date XXXX StatusCollection account. {$2300.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX THIS ACCOUNT IS ONLY SHOWING ON XXXX AND NOT XXXX. 
Record Details Record Type XXXX  XXXX bankruptcy XXXX Reference Number XXXX Responsibility Individual Date Filed XX/XX/XXXX Date Resolved XX/XX/XXXX Reinvestigation Info This item remained unchanged from our processing of your dispute in XXXX XXXX. 
On Record Until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account has been on my credit report and I have tried numerous times to have it removed. The company will not send me copies of any original paperwork to prove that the debt is mine. 
{$1000.00} from XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: JPMORGAN CHASE & CO.
State: LA
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 a fair credit reporting act [ JPMCB CARD XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX # XXXX ] has violated my rights. 
Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I currently have a debt under my name for past due tolls from NTTA ( north Texas tollway association ), however, I have in the past disputed, said balance with NTTA, because I am military. I am enlisted in the United States XXXX XXXX, and have not even lived in Texas in since XXXX. The vehicle listed under the tolls, was a XXXX XXXX that I have not owned since XXXX. This debt should not be under my name, these tolls were not perpetrated by me. The vehicle is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-21
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX FLXXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
Company: EQUIFAX, INC.
State: UT
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 repeatedly has sent me numerous items in the mail to the XXXX XXXX XXXX ( see attached ) that is incorrect and has been closed since XX/XX/2023! Instead of addressing the actual problems that I'm disputing they keep sending me the attached letter in an effort not to fix the problems and to stall as they always do. I'm refusing to respond to these types of requests now or ever. I dispute through the CFPB for this reason because this bureau is notorious for not doing its job!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As Im currently in the midst of dealing with the fallout of being a victim of identity theft, my bank was unable to process some payments to my credit card, and as a result American Express closed my account without warning and without valid justification. My most recent payments went through and debited my bank account, and so I believe only one to three payments of a small value were reversed due to the aforementioned issues. Its quite shocking and sinister, after I paid my annual {$690.00} fee for the card itself, then they close it, and after my payments that debited too. I expected more from American Express, especially as a large shareholder in the corporation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-06
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a applied for this company through XXXX XXXX, on there it says 0 % interest rate for 18 months, after the first month I have used the card they have added best interest rates on top the purchases. And the credit card that I hold is with Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Hauge Associates, Inc.
State: NE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I am writing you because it has been brought to my attention that you are listed as the collection agency for an account I am not familiar with. This negative information is being reported to the credit bureaus and severely impacting my ability to purchase a home. This is my formal attempt to do 2 things validate the debt and settle it.

The account you are attempting to collect is a school related debt and I did not attend any post secondary education during the time in which you are reporting the account as originating. So that means only a few things, either you have intentionally re aged this account to cause more damage to my credit report, the information you are reporting is inaccurate, or it does not belong to me.

It is my strong concern that I may not actually be financially  responsible for this debt.For my recordkeeping, please provide a copies of original statements showing how the balance was accrued. Additionally, please provide copies of the original contract showing that I am financially responsible for the debt. I am a previous victim of identity theft and have had my information compromised in a data breach. I would like to verify that the documents bare my actual signature and not a forged one.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our escrow provider failed to renew our homeowners insurance with the current provider. They are now threatening to insure our property on our behalf at a rate four times Higher despite them failing to make the insurance payment.

Sun trust mortgage has not been able to resolve this for us despite many calls.

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