BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Original card, invoice, and all communications were being sent to wrong address ( a shipping address on my Amazon account ). Phone number and email address were wildly incorrect. 
Sent payment through bank bill pay service, this has been accepted before but check was returned to bill pay service through XXXX bank. Credit card issuer can not comment, transaction ID bank provided doesnt show in their system. No further info provided from credit card issuer of why they refused payment. 
Payment was of course considered late. SYF lowered credit amount, both actions reported to credit reporting agencies. Called to discuss, supposedly removed late fee and corrected problem. 
Late fee was still there and now another for XXXX. 
Sent payment directly on the issuers website since bill pay paper check was refused, creditor decided to remove all available credit, report to agencies and account is flagged while they verify the payment to decide it is not fraudulent. 
There is no prior history of returned checks ( unpaid ) or other payment problems not created by the card issuer. 
My credit report has been negatively affected by this random and uncalled for payment verification process. They claim there is no escalation, no process to dispute, no reason in their records specific to my situation but a long paragraph of reasons it could happen. 
This seems to be in violation of my rights and it is definitely affecting me in a negative manner. 
The payment they sent back uncashed was for {$120.00}. The payment made on their website was for the total amount due approximately {$200.00} leaving a XXXX balance. I had {$16.00} rewards available and the credit limit was originally {$400.00}. Each month I paid all or most of the total amount due not carrying a balance.

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 2022-08-26
Company: EQUIFAX, INC.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2018-04-19
Company: EQUIFAX, INC.
State: NY
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:
equifax has refused to remove the word repossson even though the other two reporting agency has removed it it can not be both ways this will be the last complaint for this issue because to remove the word reposseon i will take them to court i didnt ask if the balance was XXXX that wasnt the complaint they either put it as paid only or it court their call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: SYNCHRONY FINANCIAL
State: TX
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 applied today and got denied, I am trying to get this credit card not an everyday use but I am trying to get this credit card to take my XXXX to the XXXX  that is charging XXXX for a procedure.

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-10-28
Company: EQUIFAX, INC.
State: TN
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, Account # XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many 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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
The Chase bank sent me an invitation to apply for " Chase Slate Edge Visa Platinum '' credit card. I applied using the invitation reference number on XX/XX/2021. XXXX XXXX XXXX XXXX XXXX XXXX, I received a call from a Chase representative to verify my identity. I did that and provided every details and information that they wanted from myside. The representative told me I should wait for the other department to make a decision regarding my application. 
On XX/XX/2021, I received a letter from Chase which is dated for " XX/XX/2021 '' and ask me to call the number XXXX within 14 days to again verifying my identity! I called the number as soon as I got the letter and after more than one hour staying on the line to talk to a specialist to verify my identity, no one assigned to my call! 
This is so disappointing, they sent me the invitation and said " You Are Preselected '' then called and verified my identity then again asked me to call and after more than one hour waiting on the line, no one answered my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/23 a formal dispute letter was sent to transunion to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.

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 2021-01-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
There are 2 accounts with XXXX  XXXX XXXX that can not be found with XXXX  XXXX XXXX but is reporting on my report. I have opened various disputes but the account remains. I do not know what to do. 

One account is closed with a balance of XXXX and XXXX. 

Please help me remove these accounts.

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 2019-03-20
Company: SUNRISE CREDIT SERVICES, INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019, I sent a letter via facsimile to Sunrise Credit Services , Inc. in order to obtain written validation of the debt they are attempting to collect based upon a phone call I received from one of their employees and the derogatory information noted on my credit report. 

On XX/XX/2019, XXXX XXXX, an employee of Sunrise Credit Services , Inc. contacted me via telephone regarding this disputed debt, and I explained to XXXX XXXX that I sent a written request and I am waiting for her company to validate the debt. XXXX XXXX acknowledged that Sunrise Credit Services , Inc. had received my written request, and then stated that the company does not provide written validations only validations over the phone. XXXX XXXX then quickly placed me on hold and then stated that she would need to transfer me to her team leader. 

I was transferred to a XXXX XXXX who stated she was a team leader. I said to XXXX XXXX that I had sent a written validation request of the debt. She also acknowledged that my written request had been received, reviewed their files, and then stated that the company they are collecting the debt for has said that it is a valid debt. I asked XXXX XXXX when I could expect to receive the written validation to which she stated that her company does not provide written validation of debts. What she said over the phone is the validation of the debt. I then stated to XXXX XXXX, that I don't handle this type of business over the phone because I deal with paper, meaning I like to have written requests for my files. Because I refused to discuss the debt without having written validation of the debt, XXXX XXXX then stated that she will mark my file as refusing to pay the debt and ended the call.

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 2023-10-12
Company: EdFinancial Services
State: CO
Product: Debt or credit management
Sub-product: Student loan debt relief
Issue: Didn't provide services promised

Complaint:
Ed Financial is my third party student loan servicer, unfortunately for me. Around XX/XX/XXXX ( approximate date ) 2023 I made a payment on a loan- specifically XXXX XXXX - I paid {$1600.00}. This was the time they transitioned to a new platform. 

I signed up on the new platform and my payment was not posting there. I called ED Financial several times- over the course of several months - about this payment and they assured me that my payment would be posted on the new platform. However, they informed me that it could take the payment until XXXX to be posted. 

I made the last payment of {$1400.00} on XX/XX/XXXX of 2023 and this should have brought the account to a zero balance. 

Unfortunately for me, Ed Financial still has not updated this account and still showing a balance of {$1600.00}. You might be curious as to why the balance is larger than the missing payment of {$1600.00}? Well looks like they are charging me interest on what should be a paid off account. 

Over the past three weeks I have tried calling Ed Financial for an update on this and questions about a payment plan but i can never get through on there XXXX phone system with wait times over 200 minutes. They have an option for a call back and i have left my phone number twice and have not been called back yet. Ed Financial is extremely frustrating to deal with. 

Today is XX/XX/2023 and still no updated account & I am being charged interest on what should be a paid off account.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: WI
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 NUMEROUS request that I have been a victim of identity theft and that 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 accounts 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-12
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The first incident started on XX/XX/XXXX when {$840.00} was removed from my escrow account for the payment of homeowners insurance, however on XX/XX/XXXX {$930.00} was also removed for the payment of homeowners insurance. Obviously 2 payments were not necessary, it took approximately 1 month for Citimortgage to correct the problem and return the additional funds that were removed. All the while leaving my escrow account with less funds than it was supposed to have. The second incident occurred onXX/XX/XXXX and XX/XX/XXXX, when PMI in the amount of {$170.00} was erroneously removed from my escrow account. They had already removed the {$170.00} for PMI on XX/XX/XXXX which fulfilled the amount needed for the month of XXXX. I filed a " complaint '' regarding the extra funds being removed and have yet to have the money returned or given an explanation as to why after 13 years of having PMI, it was taken out more than once this month. I have grown tired of having " shortages '' in my escrow account due to the continued mishandling of my account. I urge you to look further into the errors being made by Citimortgage.

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 2021-12-13
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XXXX of XXXX I received an overdrawn statement from my bank. I acknowledged that my account was overdrawn by {$29.00} for LIFE insurance. There's one other charge for XXXX XXXX at {$150.00}. At the bottom of the letter stating the account was overdrawn it states " If the account isn't brought to a positive balance within 45 days the account is subject to closure and reporting to XXXX. '' This statement was dated XX/XX/2021 for the LIFE insurance. 

I was told by the representative when I reached out on the XXXX to pay, I explained the hardship I was experiencing with COVID and losing my job. I said I wanted to bring the account current. She informed me the account was closed as of XX/XX/2021. 

As you can see, that IS NOT 45 days. This was the only contact I had with Golden 1 was through email and the phone call. I asked the representative " How can I take care of the bill while my account was closed. '' she replied " I don't know. There's nothing you can do. '' Later, I find that the company sent my bill to collections. I was calling that day to take care of the bill. I never got a run down of how my bill turned into over {$300.00}. I wanted more information on the fees I was to pay and never got a response. I am not disputing that the account was overdrawn. I AM DISPUTING THE 45 DAYS the company says they will give to bring the account into positive standing AND THE REPRESENTATIVE NOT GIVING ADEQUATE AND ACCURATE INFORMATION ON HOW TO PROPERLY RESOLVE OUTSTANDING BALANCES AFTER ACCOUNT CLOSURE. The account was not 45 days out and I have no other proof of Golden 1 attempting to reach me. 

I emailed the billing department and explained my hardship. I had been with this union for years, while I was waiting on a response from them ( Which they never responded to! ) they sent my account to collections without ever replying to me explaining what the next steps were or procedures after account closure. They never explained what the fees were on how the amount got up and over {$300.00}.

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 2021-12-12
Company: R & B Corporation of Virginia
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently review my credit reports & noticed some medical collection that I do not recognize. Ive never received any notice of any past due bills from the hospital, I also did not receive anything from any collection company. I have sent several debt validation letters to Credit Control Corp with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
After I graduated from college I wrote to my debtors to set up payment plans once I got a job. I sent {$25.00} to XXXX XXXX and they returned it stating it wasn't enough like its the only debt I had! So I didn't ' pay it. Now it is over 11 years old and should be erased from my life. Well, the debt was sold to Gurstel Law and they have been harassing me since. I started paying them, not efficiently but paid. They then put a judgement on me and now garnishing my wages. 
On XX/XX/XXXX they called again and spoke with the front desk girl and said " calling on XXXX  ... .. XXXX  ...., we have not received any payments on her garnishment. In fact I can prove that I have made at least 3 payments as requested. 
According to AZ laws, they can not harass me at work, defamation of character and abuse. If you see their reviews they are harassing a lot of people who are already paying on their debts. This company ( Gurstel ) are just bullies and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, INC.
State: GA
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:
Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and closed. There is no outstanding balance to report. The home was originally going to be sold as a short-sale however an offer was presented and accepted. I have attached a copy of the Settlement Letter dated XX/XX/2018 showing the payoff amount on the loan. I have also attached a copy of the Master Settlement Statement as well. At closing, the title company did not disposition the funds correctly and payoff the outstanding debt on the mortgage. Consequently, the mortgage company came back on me and said I owed funds for the remaining debt. With the assistance of an attorney I was able to get this account squared away however, I have been unsuccessful in getting this item removed from my credit report even after contacting the bureaus for help. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
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:
My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX   XXXX {$150000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation