BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-26
Company: SYNCHRONY FINANCIAL
State: MI
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:
This dispute has been going on for 6 months. I have filed four disputes on this issues. I order nano hearing aid. They were not what they were described. They are not hearing aids. I called the company that I received them from within 1.5 hours of receiving them and told the company I want to return them. i was giving a return authorization number and returned in the same box the same way they came to me the very next day I returned the so called hearing aid with the company provided a prepaid shipping label. Now have been refused my refund of {$470.00}. This is from XXXXXXXX XXXX XXXX  XXXX issued by Synchrony Bank. I would have expected more from XXXXXXXX XXXX XXXXXXXX with their name on it.

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 2020-11-04
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis is reporting 2 accidents as At-Fault, however there was lawsuits paid by the defendants insurance due to them being at fault. 

I contacted LexisNexis and they even said they are listed as No Fault, however there is an error and they are being sent out on the reports as BLANK, and left up to the insurance company to decide how they want to classify these. 

Driving record, and all other reports list them as No Fault, except LexisNexis. 

I contacted LexisNexis to resolve this, and they said it is up to the insurance carrier to correct it. However LexisNexis is the one reporting the inaccurate information, and according to the insurance company, it is up to LexisNexis to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSWORLD SYSTEMS INC
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Received letter from XXXX XXXX collecting for XXXX XXXX XXXX. I requested validation of this loan ( see attached ) and they sent me another collection letter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Experian : calling the toll-free number to initiate credit freeze. Simply demands information be mailed to a XXXX XXXX in XXXX Texas. Experian is blocking consumer 's ability to effectively freeze their credit access.

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 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 been disputed the following account with credit Bureau and they have denied my dispute as item mine, but I'm victim of Identity Theft, account doesn't belong to me. I am maintaining a careful record of my communications with you on this matter. 

For the record, the following information is being erroneously included on my credit report. 

1. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 


If you do not immediately remove this inaccurate and incomplete 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 2021-09-10
Company: ALLY FINANCIAL INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I frequently get calls from a place called XXXX XXXX with different phone numbers. Today this XXXX person claimed to be calling on behalf of one of my creditors. I told him clearly that I would not be speaking with him at all, but he ignored me and continued to try to confirm my personal information before I hung up.

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 2017-11-30
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a cash deposit of {$250.00} ( 2 {$100.00} bills and 1 {$50.00} bill ) and the ATM took my money but did not credit it to my account. It gave me a receipt citing an ATM error and asked me to call a 855 number. I called immediately and was told the funds would be in my account after the holiday, on Friday XX/XX/XXXX. It is now XX/XX/XXXX and the funds are still not in my account. I had to make another {$200.00} deposit to cover some of the transactions and avoid overdrafts but over the following weekend, a lot of transactions hit and overdrew the account, since they did not deposit the {$250.00}. I spoke to XXXX at the XXXX Branch, XXXX Branch Manager at the XXXX branch and they refused to give me a provisional credit on my account. The funds are still not there, and the practice that this bank has of taking funds and refusing to give provisional credits while they investigate THEIR own ATMs is the worst disservice to their customers. What if I did n't have any money for food, gas, etc.? The bank is putting people in very precarious situations and it is unacceptable!

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 2018-03-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XXXX is currently a complaint that I have opened and I am appalled that I have gotten 2 wrong extension numbers and they actually left them on my voicemail and of course when I tried to call them they were both wrong!! What is going on I want my complaint responded to as you can see this was supposedly taken care of back in XX/XX/2016 and look I am here again with the same issue because Bank Of America didnt do there job removing inaccurate info on me. I really would like them to be notified about the problem and have some one call me with a valid extension number. I will be holding on to the voicemail with the wrong extensions in them to call back in case they say they tried to get a hold of me and couldn't. 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 2018-03-22
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed with diversified consultants regarding a debt that theyve purchased from XXXX that this is a debt not owed to me. I have requested for this debt to be validated, but I have yet to receive validation of debt from this company. It is the companys duty to validate any debt that is believed to be owned by a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-15
Company: Freedom Mortgage Company
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX of 2019 my husband and I assumed a VA mortgage from a seller with Freedom Mortgage and we are beyond dissatisfied with their handling of this account. The first issue was that we were informed 4 days after we closed that the previous owners of this mortgage had a {$1300.00} shortage in their escrow impound account and it was not disclosed to us in the process of closing. Their explanation was that it was disclosed to us by telling us what our estimated monthly escrow payment would be. We were not made aware that it included an increase in that payment due to the deficit. 
Second, I asked for an escrow analysis be sent to me to see after this incident and I was shocked at their accounting practices. Some months they pay into the account, other months they do not, and sometimes they double up the payment into the impound account. We tried to resolve the whole thing with them by writing a letter to their escrow department and asking to drop the impound account. We are more than capable of paying for our homeowners insurance and taxes. They declined and said XXXX XXXX backed their loan and the rules are that you need to have an impound account for two years. Then they retracted that statement and said it was their own rule. For the life of me, I can't get a person on the phone who can help me there. I reach a dead end in the 40 or more hours I have been on the phone with them. I start with the XXXX  number, escalate it to a supervisor, then the their " ambassador '' level and every time, they say they will look into it and call me back and NO ONE ever does. I have a list of every phone call and all the supervisors I have spoken with and their ID numbers. I can't get my loan serviced. Help! See attached documentation.

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 2018-01-08
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XXXX XXXX, 2018, I received a call from this company. They recited my driver licence 's number and the last 4 of my social. I ask the woman for a debt validation letter, but she claimed they had already a letter to an old address and that they were n't sending anymore letters and the next step is garnishment and doing " something '' to my license. I could n't make out what she threatened to do because she was really belligerent from the start of the conversation, which leads me to believe that that is a tactic they use to get you flustered and intellectually marginalized so you ca n't logically think. The debt she said I owed was {$4000.00} from an unpaid payday loan {$700.00} years ago. This is incorrect because while I 've taken a payday loan before years ago in college, I never took out {$700.00} and I already have a payment arrangement set up with another debt collect. The caller was highly uncouth and disrespectful. I believe they might be trying to scam me. She said her name was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
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:
On XX/XX/XXXX, I wrote the companies an inquiry dispute letter regarding unauthorized inquiries done in my name on XX/XX/XXXX and XX/XX/XXXX. I do not have an account with these companies. On XX/XX/XXXX, XXXX XXXX XXXX XXXX gave examples of three types of inquiries made on a report ( which is irrelevant and did not prove that I made the inquiry ) and asking if I would like to have my name deleted from their marketing list then to send the request in writing. The letter stated the company was unable to locate an account in their system. The company did not submit proof that I initiated nor authorized an inquiry. 

On XX/XX/XXXX, XXXX XXXX XXXX also did not submit proof that I initiated nor authorized an inquiry. 

These inquiries were made without my consent or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
They are charging me almost 800 % interest. I was not aware of how much interest being charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Capstone Credit & Collection, LLC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I never received any dunning letters or notification from this company about this alleged debt. I disputed it with the 3 cred bureaus, ( XXXX, XXXX, & XXXX  ). It was removed from XXXX and XXXX  but not XXXX. It is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since XX/XX/2019 Medical Data Systems has attempted to collect a debt of {$19000.00}. I have sent them validation letters and they have not responded back to me with appropriate information. This medical debt collection company has mishandled my credit reporting disputes and has prevented me from exercising important debt collection rights. These practices has highly affected the credit scores

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 2020-05-05
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:
I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Resurgent Capital Services L.P.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XX/XX/2018 XXXX XXXX has threatened lawsuit and legal action with a law-firm called " XXXX XXXX '' for a personal loan of XXXX. Outstanding balance is XXXX despite payments before account went default and original amount was smaller. Credit is significantly damaged and Im forced into bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: JPMORGAN CHASE & CO.
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:
A fraudulent transaction of {$950.00} was made on my Chase Amazon credit card on XX/XX/2020 at a XXXX store. I immediately reported this to Chase. They sent me a replacement card and investigated the claim. However, they notified me that they were considering the transaction to be valid since it was a card present transaction at an in-person store. They did not seem to have considered the possibility of a counterfeit card. I have been outside of the United States during the entire Covid-19 pandemic, and the only card on the account has been in my possession the entire time - and I still have it. I sent them photos of the card and told them that I could provide any proof they felt appropriate that I have been outside of the country. I have sent examples of in-person purchases in another country, and I can provide any other evidence they might request. I have called several times but have been told to wait. On XX/XX/XXXX, they deducted payment from my bank account for the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company called my grandmother " looking '' for me and attempted to collect information about me. This is unethical and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm a victim of Identity theft. So one used my information to get a student loan. I have reported this to the credit Bureaus & the company that has the loan. I have also filed a police report case number XXXX. They haven't removed this from off of my report. I have sent in all the documentation that I have on this matter.

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 2020-05-05
Company: EQUIFAX, 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX XXXX XXXX XXXX {$350.00} XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: Navient Solutions, LLC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I contacted XXXX XXXX XXXX to resolve a debt that they acquired from XXXX University. I told the associate ( XXXX ) that I did not want to settle for a lower amount, but instead pay the balance in full with the terms and agreement that the debt would be deleted/removed/ from my credit report. Having my final payment scheduled for the first of XXXX, I contacted XXXX XXXX XXXX  today ( XX/XX/19 ) to request that they fax the deletion letter on the XXXX of XXXX. Upon doing so, I was told by both the associate and her manager ( XXXX ) that they wouldn't do that, and could instead only notate the account on my credit report as " paid in full '' and that the only solution they had on their end was to handle their own issues internally with XXXX ... ... a solution that does not help me at all. To date, I have paid {$3700.00} of the {$4900.00} owed, in a matter of 4 months. A deed that was both very financially and mentally burdening to me, but at the same time done to uphold an agreement that was made in XXXX ; an agreement that is apparently not being held up by the company that told me they would. I feel as if I was lied to and misled in order to pay the full balance due, with no real quick outcome in helping my credit, which was the goal of the initial agreement. I would NOT have agreed to pay {$5000.00} in a matter of 4 months without the terms being what were agreed upon initially, and I honestly would have settled for a much lower amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an account on my credit report : XXXX Account Number XXXX Amount XXXX This account is not mine nor am I a responsible party. NEVER opened an account or sought credit/services with them. There is NO Documentation they can provide that says otherwise. IF they do have a copy sent to me per credit law. Otherwise please have it removed upon receipt of this official notice. This is something that was randomly attached and Now I must suffer with it. Please have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently went a few weeks ago to apply for a secured credit card for the first time at my local BBT Bank with my twin brother. A week later when we received our decision we found out that they accepted his application but denied mines. I then called my local BBT Bank and they said that when the application was sent off the company had combined us together and then they said I had to contact you all to fix this because you all think my brother and I are the same person.

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 2019-03-22
Company: Caliber Home Loans, 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 status incorrect

Complaint:
This mortgage was closed and paid in full to Caliber during a refinance. Caliber is  reporting the XXXX Payment Late and the Account still remaining open with a late payment history in XX/XX/2019. It needs to show closed in XX/XX/2019, and paid as agreed with a {$0.00} balance as of XXXX XXXX.They refused to make any corrections -despite the numerous calls to customer service. They also refuse to transfer me to the department in charge of credit reporting, and also the legal department.

Company response to consumer: Closed with explanation