BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am in the process of purchasing a home and noticed that Syncb/Qvc marked me late for XX/17 for 30 days and XX/17 for 60 days. I never recieved a statment or anything showing I was past due. To my knowledge the last payment I made paid off the balance I was owing. I have called to Syncb and they are only willing to credit me the late fees and have refused to remove the lates from my credit report. There was only {$44.00} owed which I dont know how it happened because I have not used this card in quite some time and they closed the account due to in activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I was gifted a {$500.00} Vanilla prepaid card as a gift from my family in XXXX XXXX. When I tried to use it in XXXX XXXX, the funds have been depleted. After looking online to see what the transactions looked like, there were multiple to XXXX. There were 4 total purchases that totaled {$490.00} on XX/XX/2021. There is only {$1.00} left on the card. The totals were as followed : - {$120.00} - {$170.00} - {$150.00} - {$46.00} I have tried calling Vanilla directly, but have been put on hold for over an hour multiple times. I have read many complaints only about the same item and how Vanilla is very unresponsive to this. I can't even file a formal complaint because I can not get in touch with Vanilla. 

All I want to get at this point is my family 's money reimbursed. That is a lot of money that was just lost. It is ridiculous how many similar stories are online and nothing has been done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: The Bureaus, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CFPB Complaint : XX/XX/2020 This complaint is in regards to a Credit Card Debt Collection. The collection agency is identified as The Bureaus, formally known as The Bureaus Inc. I am the sole individual involved in this matter. 
On XX/XX/2020, I sent a certified letter asking for debt validation to 'The Bureaus Inc ' to their specified address online : XXXX XXXX XXXX XXXX XXXX IL XXXX. On XX/XX/2020, I was informed via USPS tracking that the letter was not deliverable and also unable to forward. After some extensive research, I was finally able to locate a second possible address for The Bureaus, who no longer identified themselves as The Bureaus Inc. 
On XX/XX/2020, I proceeded to resend my certified letter to The Bureaus at address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. As stated in my debt validation request, I am allowing the company 30 days to respond. In actuality, I allowed more than 30 days for the company to respond. 
On XX/XX/2020, after not receiving any response from the company, I decided to phone The Bureaus at XXXX XXXX XXXX XXXX and requested proof that my verification letter was in fact, received. After validating my identity and locating my account, the operator was able to confirm that my letter had been received on XX/XX/2020. It was also confirmed by the operator that a follow-up letter had not been sent out via mail to me. I requested to speak with a supervisor, and the operator informed me that she was unable to transfer me to speak to someone at The Bureaus directly. Her reasoning, because she did not work for The Bureaus. The operator whom I was speaking to, actually worked for another company, subcontractor for The Bureaus. Considering all conversations are recorded, I accepted her rebuttal that she would reach out to The Bureaus, and inform them of my request to have my debt permanently removed from all 3 credit agencies. 
On XX/XX/2020, I received a debt verification letter from Bureaus Investment Group Portfolio NO 15 LLC regarding a debt of {$300.00} from the original debtor, XXXX  XXXX XXXX. Their letter falsely states that I requested a validation of debt on XX/XX/XXXX, XXXX complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached 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 non-monetary relief
Consumer complaint received 2017-12-18
Company: Experian Information Solutions Inc.
State: MA
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:
there were several inquiries in my credit on XX/XX/XXXX regarding a car financing application. I only applied with one institution, but the dealer sent it to several banks including a bunch of hard inquiries in my credit

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 2023-05-23
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hi there, I have two issues to report regarding MOHELA. 1. On at least two occasions ( that I have noticed ), MOHELA has charged interest to my student loans during the COVID era. They do not respond to inquiries of why. 2. I applied for PSLF earlier this year, MOHELA asked for supporting documentation, which was provided, but has since placed my application in a canceled state w/out any explanation or update.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 submitted a letter to the 3 Credit Bureaus last XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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 2021-03-02
Company: Kriya Capital, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XXXX - XXXX EST Calls from : XXXX XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX EST XX/XX/2021 - XXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST XX/XX/2021 - XXXXXXXX XXXX EST There are a lot of these calls dating before XXXX hen answered, I hear dial tone and hangs up on me. If I call back, there is 'no record ' of my number in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
to whom it XXXX concern, im writting to you becusae my mortgage company ( select portfolio servicing ) is taking advantage of me. 
select portfolio servicing sent me a letter letting me know that they are adjusting my interest rate from 5.125 % to 20 % becuase my account shows behind. 
i was very surprised since all my mortgage payment are always made on time and plus i have every single cancelled check showing select portfolio servicing cashed my check. 
select portfolio servicing told me that they apologize but since the account was transfer from the previous services ( 6 months ago ) they never recieved the complete details of my accont and it was their mistake. 
select portfolio servicing also told in the mean time i had no option and to pay the new monthly mortgage payment based on 20 % interest rate until they clarified the mistake made by select portfolio servicing and the previous services. 

i am so upset about select portfolio servicing response considering select portfolio servicing made the mistake and it is unnaceptable that select portfolio servicing is taking advantage of me. 

please any help will be very appreciated it since next month my payment will increase 4 times from the original amount and i dont beleive this is fair since it is select portfolio servicing mistake when my mortgage got transfer to select portfolio servicing. 

thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I started the Customer Assistance PlanXX/XX/XXXX Per the representative my payments of {$110.00} would start the month of XX/XX/XXXX on my due date which is the XX/XX/XXXX. All payments were made by phone on XX/XX/XXXX and clear my bank. Told by representative when clear bank even though it was another day that the payment would show on XX/XX/XXXX and not be reported late. Receive credit report dated XX/XX/XXXX showing late from XX/XX/XXXX until XX/XX/XXXX.  ALL PAYMENTS HAVE BEEN MADE ON XX/XX/XXXX BY PHONE.

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 2020-04-08
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:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$68.00} XXXX XXXX XXXX {$110.00} XXXX   XXXX  XXXX {$650.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX   XXXX  XXXX {$450.00} XXXX/XXXX  XXXX {$870.00} XXXX   XXXX  XXXX {$1000.00} XXXX  XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: GreenSky, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I filed a complaint against GreenSky, the complaint has now been closed, however in the complaint they agreed that I was owed money and credited my account, however I was not refunded and because I did not want to incur additional charges I paid them in full. I believe this disputed amount which they sent a bill showing the credit, should be refunded to me. When I called they advised they XXXX  the account due to payment In full and the account is now closed. However since they agreed the disputed amount should be credited to my account I am not understanding why they have not refunded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: NY
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name XXXX XXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # 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 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 2019-03-30
Company: CMRE Financial Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2014, I went to the emergency room. A month later I received a bill from that visit. I was covered through XXXX XXXX for University XXXX XXXX students. I went to the insurance on campus and showed them the bills. They told me that they never deny emergency room visits and they would check why it wasn't paid. I checked back in a month or two, and they told me that it had been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a chime account with referral code https : //www.chime.com/r/thaotran2/ which offered me {$75.00} if I complete a direct deposit of {$200.00} within 45 days of account opening. I did not receive any confirmation of my enrollment in this promotion upon sign up. I requested Chime confirm the promotion is on my account as advertised and will be fulfilled upon completion of the terms. I contacted Chime by email and phone and so far, Chime has not confirmed my enrollment. I have not received a reply by email as of yet. The first level phone support agent I spoke to said the bonus was not applied to my account despite me signing up through the link. I have not received confirmation in writing that it will be honored or that the technical error has been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Capital Accounts, LLC
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about the month of XX/XX/XXXX, I received a phone call from XXXX the administrator of XXXX XXXX XXXX XXXX, referencing the dental bill balance of {$110.00} will be written off and she would notify the collection compant. After retrieving my credit report, The Capital Accounts collection company account # XXXX is continuing to list this negative debt on my credit report with " XXXX  '' and is continuing to violate Sec. XXXX. [ 42 U.S.C. 1320 a-7b ] of the XXXX XXXX XXXX XXXX. In my previous complaint # XXXX I explained that I am a XXXX recipient/secondary health insurance XXXX  and XXXX XXXX XXXX XXXX in which that information was given to Capital Accounts. According to Mr. XXXX a representative of the capital account collection company there has been one attempt on XX/XX/XXXX to contact XXXX XXXX 's office at XXXX and there has been no return response. Although I filed a complaint in XX/XX/XXXX the negative reporting is continuing to be listed on my credit report and this issue is still ongoing. After speaking with the XXXX XXXX XXXX claims department it was stated to me that XXXX XXXX office is violating the XXXX contract or agreement at the time that service was rendered. Since then and after XXXX notified me by phone, I assumed we all have moved forward from the issue and the XXXX  office resolved this matter with Capital Account. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: Experian Information Solutions Inc.
State: CA
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2018-08-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
American Express credit card account show unknown charges and american express pulled copy of my credit report to make a unfair decision while i was still in dispute. They would not honor my rights for being a victom of identity theft and fraud. They made a decision on my acct before taking the dispute investigation is still ongoing instead they violated my rights by closing my account do to fraudulent charges that i did not give permission and or dont recognize on my acct. My social security card and passport has been lost or stolen

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-19
Company: CREDIT ACCEPTANCE CORPORATION
State: AL
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 initially send a copy of my FCT report and identification to all credit bureaus in XXXX. I received a notification via my XXXX account that the account for the company Credit Acceptance would stay on my account. I had been working directly with the company in the past to remove this from my credit as it is not my debt and identity fraud. I spoke with an employee at Credit Acceptance XX/XX/XXXX, then another employee named XXXX in the complaint department XX/XX/XXXX. She informed me that they had received a fax from me from XXXX but it was half way cut off so they could not determine anything. I informed her I in fact had not sent them a fax of anything and it more than likely was from the credit bureaus. XX/XX/XXXX I then faxed XXXX the information requested ( which I had previously mailed a while back when trying to get this off ) my ID, ( social ), FTC report, my signature 5 times. She mailed me a letter stating what I had send wasn't enough evidence when in fact I sent everything that was asked. This company is determined to keep this own my credit when it is clear this was identity fraud.

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 2020-10-16
Company: NRA Group, LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In a previous complaint to the CFPB under case number XXXX, the aforementioned agency mentioned in the complaint responded to on XX/XX/XXXX, advising that the {$75.00} debt was incurred over 2 years ago, which I was not aware of. Therefore, on the above date, payment was made in full with the online portal of NRA Group , LLC. 
I was informed that billing was requested, please ensure that if the billing documentation is not associated with me or for a date of service prior to XX/XX/XXXX, that the appropriate refund will me made to me. 

Also, as mentioned, I was not aware of a small balance owed as mentioned above, as soon as it was clarified and brought to my attention, payment was made. Please ensure that nothing is reported to the major credit reporting agencies/repositories.

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 2020-10-16
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My loan was transferred over Ive been a dispute with them shellpoint Mortgage loan number XXXX the month for XX/XX/2019 My previous mortgage company DitechI Reported I did not pay XX/XX/2019 I have sent documentation over to them several times now it is reporting on my credit report That I havent made a payment since XXXX XXXX and XXXX and XXXX this incorrect reporting it has dropped my score 127 point I am send documentation of payment history I was getting ready to purchase a home loan

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation