BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX I contacted Synchrony about the terms of a mattress purchase. I had purchased a mattress from XXXX XXXX on XXXX for {$2800.00}. The financing terms for the purchase were 48 month equal payment no interest. I received a printed set of disclosure information from the sales person about their credit card from Synchrony and she reviewed the terms of the credit purchase. I received the bill from Synchrony and setup automatic payments to cover the balance over the term of the agreement - no issues so far. Then on XXXX, I used XXXX XXXX 's comfort exchange for a second mattress at a higher cost. The difference in the first and second mattress was input into XXXX XXXX 's online credit system. I then received the final receipt. I noticed that the difference amount was financed on the store 's credit card with new finance terms, 12 month deferred interest. I questioned the difference in finance terms and got a shoulder shrug from the sales person and they said it was because the $ amount was too low to go on extended payment. OK, at this point I 'm XXXX. The store wo n't issue a refund and I did n't want to cancel the transaction and keep the first mattress that I was completely dissatisfied with. The terms of financing were n't disclosed to me before the final receipt was handed to me. Had I known I might have opted for finding an equally priced mattress with out the additional cost. I mistakenly assumed that the extended payment program would be honored for the total purchase cost of the second mattress similarly as the first. So when I spoke with Synchrony on XXXX I expressed my disdain for the mattress stores financing practice. They said if XXXX XXXX would issue a credit for the original purchase and submit the XXXX amount it would be fixed. Additionally they said I had to contact XXXX XXXX to get the issue settled. I contacted XXXX XXXX about the issue and questioned why they do n't just refund the original purchase and charge the full price of the second mattress. The rep said they regard comfort exchanges as " upgrades '' and are processed separately. This is not disclosed in either their paperwork or through the sales staff. I told the rep they were defrauding customers on financing terms. She got mad and hung up on me.

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 2017-11-09
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
XXXX-Apparently someone has opened an account in my name and was paying them. But it was not me I have never had a account with XXXX XXXX. I am a victim of Identity theft AMERICAN EXPRESS SERVE- I HAD FUNDS TAKEN OUT OF MY ACCOUNT THAT WAS NOT AUTHORIZED BY ME. {$320.00} WAS TAKEN FROM MY ACCOUNT THAT WAS NOT AUTHORIZED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I was alerted of a negative item being furnished on my consumer report by Experian. I never received any correspondence from experian on any investigation before this item was furnished or I did not receive any correspondence of results of experience investigation on this item from XXXX XXXX XXXX XXXX. Law states that I an entitled to accurate and fair credit reporting which an elaborate system has been set into place to protect my rights to this process, experian has assumed this vital role which the have neglected to accurately do which is their grave responsibility. The have no followed the procedures that Congress has set into place by law to protect me the consumer. The have violated my rights to privacy by furnishing information that they did not investigate and are causing me great harm furnishing inaccurate information without my consent to permissible purpose. Experian has not provided to me any proof of ANY investigation, I have the right to a fair and accurate consumer report that they have violated me on and have caused me great harm.

Please update this information to paid never late and respect my rights that Congress has set into place to protect myself and my rights to fair and accurate credit reporting and PRIVACY as I have no disclosures from anyone on giving out my NONPUBLIC PERSONAL INFORMATION. This needs to updated 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 explanation
Consumer complaint received 2019-06-24
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:
XXXX XXXX XXXX XXXX, XXXX andTransunion report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

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 2022-08-14
Company: Self Financial Inc.
State: GA
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 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX DEPARTMENT STORE.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.

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 2022-03-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
i received a letter in early XX/XX/2022 from both company XXXX  and CapitalOne stating that my application for a credit card was denied. I have never requested or made a credit card application to either company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
3 unauthorized ATM charges were made on my savings and checking account : ( 1 ) 1 transfer transaction between my savings account and checking account in an amount of {$380.00}, ( 2 ) 1 ATM withdrawal in the amount of {$1000.00}, and ( 3 ) 1 ATM withdrawal in the amount of {$600.00}. These charges emptied my total funds in my checking account leaving me with {$76.00}. I made a fraud claim with Chase and they provided the temporary hold for the first transaction but they still have not provided the credit for the other two transactions, totaling {$1600.00}. They said that these were not physical ATM transactions but online XXXX XXXX  payments and they are still investigating these transactions. I have been following up with them everyday and I still have not received my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-24
Company: EQUIFAX, 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:
XXXX XXXX XXXX Equifax, XXXX   andXXXX  report this account as 60 Open/Late - XX/XX/XXXX and XX/XX/XXXX which doesn't make any sense..How can an account be 60 days late in just on month? Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: Maximus Education, LLC dba Aidvantage
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I sent XXXX XXXX This affidavit asking for proof of obligation of this alleged debt. 


XXXX XXXX } XXXX XXXX XXXX XXXX XXXX } XXXX XXXX XXXX XXXX PA XXXX } XXXX PA XXXX Affidavit Request Proof Of Indebtedness *NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT* Date : XX/XX/2022 The undersigned Affiant XXXX XXXX , herein after Affiant, does solemnly swear, declare and state as follows : XXXX is competent to state the matters set forth herein. 

XXXX has knowledge of the facts stated herein. 

All the facts herein are true, correct and complete, admissible as evidence and if called upon as a witness, XXXX will testify to their veracity. 

I am requesting your proof that I am the obligated party to repay this alleged debt. Please validate this alleged debt on account ( s ). XXXX. Please provide the original instrument of this alleged debt in its original form. Please be aware that any general accounting ledger, statements, or promissory note printed is not proof of obligation. Please provided proof by affirming you did not sale the original note and or transfer it to any third party. I am requesting this information in accordance with the Truth In Lend Act. Please cease and desist of any further attempt to collect on this alleged debt until you can validate it with the original instrument. I look forward to forward to hearing from you. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
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:
This is an additional request for help before I file a lawsuit. I am having several issues with Equifax. 
I was made aware by Equifax that I am one of the many whose information was breached and have noticed that there are many inquiries on my report that I did not authorize or approve. there should only be one XXXX when I opened the account. When I tried to find out who was responsible it just informed me that no additional information is available. I am outraged as this is going to prevent me from obtaining a mortgage. 
Lastly, there is a medical collection from XXXX XXXX XXXX in the amount of {$990.00} that should have been removed months ago because I do not owe that debt and it was paid from insurance I had at the time since the hospital was part of the network I had coverage in and was under the insistence my physician , XXXX XXXX. 
XXXX XXXX assured me that this would be recalled and removed but Equifax is STILL reporting it despite my demanding they validate that debt. I am also XXXX and judgement proof and I was given no documentation from Equifax or the collection company verifying any of this debt and it has been months of inaction that has caused me irreparable financial harm. I intend to file a lawsuit against Equifax and XXXX XXXX if this account and all of the fraudulent inquiries are not removed IMMEDIATELY. 
Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-02
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
They have inaccurately calculated my income based repayment and then I made a payment and they are trying to make me pay another payment this month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Billing dispute for services

Complaint:
TransUnion was the service used to check my credit for a housing application. After completing my housing application via XXXX/transunion, a pop-up for a {$1.00} credit score report from trans union came up. I decided to take advantage of this service. However, TransUnion, without notification or receipt, automatically signed me up for a monthly membership and credit monitoring ( that was not advertised ) for a fee of {$19.00} per month. I called twice to have the fee cancelled and refunded. At first the representative said they did not offer a refund and that I had agreed to this montly billing. This however is not accurate, their terms of service did not state an automatic sign up for a monthly fee. I called back and the second representative was able to file a refund, which should show up on my credit card in 3 to 10 business days.

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 2021-04-15
Company: Square Inc
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CashApp allowed a merchant to obtain funds and not complete the service. CashApp then lied on the bank dispute and said that I, the consumer, received goods/services in full, which is a lie. I provided them with documentation showing the seller never responded after the company received a payment. I have contacted CashApp several times, and all they do is send automated responses. I have the proof, and it is unjustifiable for CashApp not to refund my money and lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Diversified Consultants, Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultants has repeatedly called from XXXX ( enough that I put in a call block ) and recently from XXXX ( yesterday ) and XXXX which I answeredtoday, XX/XX/XXXX.  They claim to be collecting an unpaid debt from XXXX. Today they said it was for some {$240.00}. I simply responded, both times, that I have n't had an account with XXXX in about a decade and hung up. 
If it 's a legitimate debt then they can send me proof via snail mail. If it 's legit, they should have my address. The last time I checked, the USPS was still delivering. Since I have n't received any bills or threatening letters from XXXX, I can only conclude that this is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Last XXXX XXXX, 2017, I sent this credit repository a letter requesting an investigation on incorrectly reported items on my credit report. Attached to this complaint is a copy of the letter sent to this credit repository dated XXXX XXXX, 2017. I have written several letters to each of the company showing on my credit report requesting for validation and I never received any proper validation document. How can this credit repository report or inform me that these items I disputed were verified when I never received any validation document? It is quite unfair and unlawful for them to be able to verify these items when I do n't receive validation documents on my end. I think this is definitely a violation of FCRA and FDCPA.

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 2017-11-09
Company: AES/PHEAA
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, The 90 days late from Fed Loan Servicing is a mail error due to a windstorm which misplaced my family from our home XX/XX/XXXX. XX/XX/XXXX, after a XXXX year sucessuful repayment rehabilitation loan program, Fed Loan sent new terms and agreement to a home I no longer lived and after they received returned mail failed to contact me further about the new terms with the company and hurt my credit after a serious family emergency which left my wife and child with no place to live. In XX/XX/XXXX, I discovered a 90 days late through credit monitoring. This force me to consolidate my loans and began repayment. I had no information on new terms for my loans and had a forebearance approved to keep loans current. Please assist with helping loans have the 90 days late removed. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Lil' Wave Financial, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I called to pay my mortgage for the XX/XX/XXXX payment with one of Superior Loan Servicing representatives on XX/XX/XXXX, which was a XXXX. They stated they do not process same day payments in their office, therefore the XXXX payment was processed and debited out of my account on XX/XX/XXXX. 
XXXX states the Mortgage is considered paid when it is received. Thus, my payment should not have any 30 day late payments for my mortgage history. 
This is crucial to my refinance efforts for this mortgage. 
Please correct the payment history to show 0x30 days for the entire life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Initiated wire transfer withdrawal from Conbase/XXXX account for {$30000.00} on XXXX XXXX, XXXX to bank account. Amount was immediately debited from account. It is now XXXX XXXX and wire transfer has not been received. 

Phone support does not respond to transfer problems and refers them to email support. No response from email support to multiple requests. 

transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX Customer support requests : reference to XXXX # XXXX reference to XXXX # XXXX

Company response to consumer: Closed with explanation