BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I ordered a used phone from XXXX user name ; XXXX in the amount of {$710.00}. I received the phone and found it had a defective battery. The battery would lose power by the minute without use. I contacted the merchant he told me I could return if I paid the postage, he would reimburse me. I sent the phone back on XXXX XXXX. 
I used PayPal synchrony bank to pay the merchant. I have been a long time customer. The last four digits of my account number is XXXX. I contacted Paypal for the first time in XXXX for a reimbursement of my money. The first case was found in the favor of the merchant. On XX/XX/XXXX, the merchant said he had not received the phone. At that time I provided tracking number, I confirmed with my postmaster that the phone had reached his locked box in XXXX Hawaii on XXXX XXXX synchrony bank was supposed to do an investigation. That never happened. The first case was ruled in favor of the merchant saying he had not received the item. At that time I provided faxed emails from the merchant saying that he had received the phone and would pay me back. He did not want to pay me back the tax. I contacted synchrony bank to escalate the case. # XXXX upon investigating the second case, it was found in the merchants favor. They said I had provided a wrong tracking number. I called PayPal synchrony bank and spoke with XXXX a supervisor. She was able to verify the tracking number was indeed correct and that he had received the package. The supervisor, XXXX told me that there was all sorts of supporting evidence that she was looking at. I contacted the attorney generals office in New York State. The attorney general told me that he would be willing to refund some of the amount less the taxes. When I tried to contact him through an email he had blocked me and was no longer talking with me. therefore, I can not trust him to reimburse me. Period synchrony bank should have done their job. They should be the ones reimbursing me. I have now escalated the case for the third time. They have all the emails that confirm the merchant says he received the phone. 
I am XXXX XXXX XXXX and this has stopped me from shopping on XXXX or using PayPal since XXXX. My credit score has always fluctuated between XXXX and XXXX. I returned a defective item! at this point there should be no question as to whether I deserve a full refund of the money I spent. In the amount of {$710.00} I fear this is going to ruin my excellent credit rating. I can not tolerate that after having an excellent credit rating for over 30 years Best regards 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 explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is the second time I've corrected this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-22
Company: DISCOVER BANK
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I missed two payments with Discover and they did not notify after either of the missed payments, nor did they notify me of any past due payments. I called the company and they confirmed that they did not send any notifications around past due or missed payments. Had they done this after the first missed payment I could have remedied the situation, not missed a 2nd payment, and not had my credit score impacted by the late payment ( s )! Discover confirmed they have a department that provides this type of notification service but it is unknown why I was never notified and why I did not receive the same service other customers receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: FISERV INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I attempted to pay my rent at XXXX through XXXX on the XXXX. XXXX somehow messed up my payment and sent it through CheckFreePay also known as Fiserv, so it was sent to the wrong biller. XXXX and myself, upon realizing the mistake, both contacted CheckFreePay to request a refund on the XXXX. CheckFreePay said they couldn't do anything until XXXX, who are the biller approve and send the refund. I contacted XXXX to get this process started and XXXX approved and processed the refund to CheckFreePay on the XXXX. Now CheckFreePay is telling me that they can't process the refund until they recieve the money from XXXX, but XXXX has already processed the refund and it says in there system it has been successfully sent. XXXX has even called CheckFreePay on my behalf to confirm this information. CheckFreePay isn't giving me a timeline or anything for the refund and keeps telling me XXXX hasn't approved it, even though it's been documented several times that XXXX has approved the refund. XXXX can't process the refund either until CheckFreePay approves it. Essentially my money is sitting in limbo somewhere with CheckFreePay and they aren't doing anything to help me at this point, they keep making escalation tickets and telling me they'll call me back but never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, someone posed as me and withdrew {$800.00} from my joint account with my wife at Bank of America ( {$400.00} from checking account and {$400.00} from saving account ) at a local BoA branch. Prior to this, around the end of XX/XX/XXXX, I realized I was a victim of identity theft, so I already alerted all my banks and credit card companies of a potential fraud against me. As a precaution, my wife even opened a new account and transferred most of the money out and just left a small balance for bill payments. I have filed several police reports with our XXXX XXXX XXXX and also with the Federal Trade Commission. 

As soon as we knew of these two unauthorized transactions, we submitted two claims with BoA. One was resolved on XX/XX/XXXX and we got the {$400.00} refund back, but the other {$400.00} claim was denied. We found out the denial when we called BoA check fraud department on XX/XX/XXXX, and they said they have the video footage to deny our claim. Then on XX/XX/XXXX, we got the denial letter claiming that I authorized this illegal transaction and that I benefited from the funds. I want to make a complaint against BoA for the following reasons : 1. I timely alerted BoA and even set up a verbal password. Did all precaution to protect my finances by transferring the cash out from the joint account as soon as the identity theft came to my attention.

2. I still have in my possession all my IDs or bank cards, so if BoA did the right thing, especially when I already requested BoA to put an alert on my account, they must scan the ID, must request the PIN and the bank card. I believe BoA did none of these because if they did they would have found out these documents are fake.

3. The baseless and irresponsible denial of my case and their claiming that it was me are equivalent to defamation of my character. Since I'm with my patients throughout the day, people can vouch for me that I wasn't at the bank at all. By concluding that I was the one on the video, it clearly shows BoA is very irresponsible and hasn't done their due diligence. I have requested that they share with me that video footage, but I haven't received any responses.

4. While the two unauthorized transactions occurred on the same day, at the same location and same time, they honored one but denied the other. This just proves they haven't done their research, or their research ( if any ) is baseless.

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 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A fraudulent account was removed from both my XXXX and XXXX accounts by the furnished but transition claims to only see it as an inquiry which is not what is reflected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions Inc.
State: NV
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$260000.00}.

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 2023-07-23
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled a XXXX debt and I am not in distress with another company being sold the difference in the debt. I made a settlement with XXXX XXXX. We settled on a debt for XXXX and I paid {$900.00}. Now I receive an attempt from Southwest Credit Systems for {$240.00}. This is very much predatory and scamming. XXXX shouldnt have settle a debt to sell the other and also given my info to other companies after we have made an arrangement to settle. I sent a letter to say, Dont not share or sell my info to other companies and it was disregarded. XXXX  owes me a settlement for this breach. There is so much fraud in this country that privacy right, requests and wishes should always be upheld 1st. Southwest Credit and XXXX should Cease & desist immediately for now and any future attempts. I wish to remove all my information from their systems forever and never be contacted from either on any attempts due to the predatory harassment shown in this despicable attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: CBC Companies, Inc.
State: NC
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:
This credit reporting agency have provided other credit financial agencies with false information. On numerous occasions Ive spoken with them about not reporting false information. I never gave consent to report on my behalf. These reporting agencies have made it extremely difficult for me to get credit, loans and other financial benefits. Costing my good reputation and slandering me. Need these credit agencies to stop reporting on my behalf immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: EQUIFAX, 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:
XXXX XXXX XXXX # XXXX {$1900.00}. XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  # XXXX. {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$430.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX  XXXX # XXXX {$360.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$94.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$140.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$260.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$480.00}. XX/XX/XXXX XXXX  XXXX # XXXX {$59.00}. XX/XX/XXXX XXXX  XXXX # XXXX. {$450.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$30000.00}. XX/XX/XXXX XXXX XXXX XXXX # XXXX. {$4200.00}. XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATE TO MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-02-22
Company: Experian Information Solutions 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:
15 U.S. CODE 1666B TIMING OF PAYMENTS 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS XXXX XXXX account # XXXX reporting incorrect payment history on my credit report. All my payments been on time & should not have 30 day late payments, I want all credit bureaus to verify & update my report deleting these late payments as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: CITIBANK, N.A.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Never open this credit card

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 2023-02-22
Company: Experian Information Solutions Inc.
State: AZ
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 sent this letter to remove the listed account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than XXXX business days. 
XXXX XXXX XXXX : {$2100.00}

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 2022-12-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I submitted a {$23000.00} check it was a third party check of my son 's that I'm the power of attorney for his finances well he's XXXX they cashed the check on XX/XX/XXXX and it was submitted into a family members account and they were {$850.00} overdrawn and since then they refuse to release the money to me so they were supposed to release the money back to my lawyer and as of today they have not yet and here it is 6 months later so I expecting XXXX after they take out {$850.00} buck

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: U.S. BANCORP
State: CA
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 notification from my bank ( XXXX ) about a recent credit inquiry on my credit report that I did not authorize, from a lender that I do not recognize. The lender is listed as ELAN FIN SVCSXXXX and the inquiry date is listed as XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Experian Information Solutions 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2023, to update the suspicious information in my file, I think you have not validated these accounts in my credit report Please verify these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: Ameritech Financial
State: FL
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:
Ameritech financial or a related company is in connection with my student loans. The federal trade commission has sued this company for deception practices, the court has not ruled as of yet, I want my money back and my personal information to be secured. I am taking the necessary steps to secure all of my personal information and in hopes of receiving all of hard earned money I have been struggling to pay. I was so happy thinking I was paying back my loan forgiveness and to my surprised being robbed of my money is totally not fair. I want justice for this and now I have to find another program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The most recent letters disputing the inaccurate information on my credit report were sent on XX/XX/2023 and XX/XX/2023. Instead of resolving or removing the inaccurate personal information and accounts ( that I have been disputing and sending letters for 6+ months ), they are completely ignoring my letters that have been mailed over the last 6+ months!

Experian has not mailed any letters or proof/verification of any accounts to me. Experian needs to remove the inaccurate information immediately.

I have submitted multiple dispute letters to Experian, but I have received no resolution. Instead, has not responded to my letters that were mailed in over the last few months, which is a violation of the Fair Credit Reporting Act.

I demand that Experian take immediate action to correct the inaccurate information on my credit report and provide me with a prompt resolution to my disputes. Failure to do so will result in legal action being taken against your company for violating consumer protection laws.

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for you willful non-compliance.

For the record, I am attaching the two most recent letters sent to you on separate occasions, more than 30 days ago and again 1 day ago. Items in the letters need to be removed. It has been over 6 months of me disputing this inaccurate information. It is illegal for them still to be on my credit report!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: RoundPoint Mortgage Servicing LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX was previous mortgage holder. They sold my mortgage to Roundpoint Mortgage. Neither XXXX nor Roundpoint will take a call asking for verification of my mortgage status ( up-to-date or not up-to-date ). XXXX XXXX says they will forward payments, Roundpoint says they will honor back payments. But neither will answer my call asking if the mortgage is currently up to date. I called Roundpoint again today, and they still have their recordings in a loop that eventually disconnects the call. I am afraid that they are setting me up for a default. 
How can we require the agents at Roundpoint to be in touch with me? 
It appears that they are connected to XXXX, adn that I am getting 'the squeeze ' from Roundpoint now that they have my mortgage. 
Thank you for your help.

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