BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-30
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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX i sent a dispute to your company stating that your company is reporting and has been reporting inaccurate information on my credit report. I was never notified of any investigation status starting nor do i have any results from that investigation. This is the dispute I sent : " I recently obtained a copy of my credit report from your service and have found the date of last activity is inconsistent and inaccurate across Equifax, XXXX and XXXX for the account : XXXX XXXX Account # XXXX According to 15 usc 1681s-2 of the Fair Credit Reporting Act, it is the job of the furnisher to make sure that all information reported is reporting to 100 % accuracy. How can this information be accurate if all 3 Credit reporting agencies are reporting 3 different dates of last activity for this account. XXXX is reporting a date of last activity of : XX/XX/XXXX, equifax is reporting : XX/XX/XXXX, and XXXX is reporting : XX/XX/XXXX. If all three bureaus are reporting different information, which bureau has the right information? This account can not be accurate which means that the furnisher has decided to disobey the FCRA and report information that they know is not accurate. This account was in fact deleted from XXXX because of its inaccurate reporting. Now Because of the explicit disobedience of the furnisher and your neglect to make sure that the information was indeed correct and verifiable, I as the consumer am demanding this account be removed and deleted because of its inaccurate reporting. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for your re-investigation of this item. '' Remove this item because you have broken federal law and have been reporting inaccurate information, in this case different date of last activity on my report than other bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Violation of the CARES Act. The issuers listed late payments after payment arrangements/accommodations were made.

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 2020-04-07
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The deferment, or forbearance, offered by Chase bank, because of the CV 19 circumstance, requires that I pay in FULL XXXX months at the End of the deferment, instead of rolling into the loan. This makes NO sense whatsoever! Im furious

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: Fay Servicing, LLC
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On the XX/XX/2021 mortgage statement there is a charge for {$190.00} for a XXXX XXXX XXXX Balance. 
I called Fay Servicing on XX/XX/2021. I was informed by XXXX that this was a demand letter from XX/XX/2021. The money was in my account and Fay Servicing failed to put a 4 in my account number for the automatic withdrawal. I provided a voided check so there was no fault of my own to communicate the correct account number. 
I was informed on XX/XX/2021 that- After review of the loan, Fay has determined that the loan was set up for a XX/XX/2021 ACH draft and Fay has determined that an error occurred in which Fay was to update the ACH draft information and draft the XX/XX/2021 which did not occur. On XX/XX/2021 your Account Manager had a discussion with you regarding your loan and your Account Manager offered to have all fees waived back in XX/XX/2021 if you brought the loan current and set the loan back up on ACH auto draft. On XX/XX/2021 you paid {$3400.00} which was applied to the XX/XX/2021 payment, the XX/XX/2021 payment, the XX/XX/2021 payment, and the XX/XX/2021 payment and the ACH auto has been setup to draft you payments going forward. On XX/XX/2021 Fay honored the agreement to waive the late fees back to XX/XX/2021 and you were not charged any default interest. The loan was never reported to the credit bureaus, therefore there is no credit reporting needing to be corrected due to this error. 
The demand letter fee should be waived. 
Every month I have some erroneous fee attached to the statement. They money has been in my account every month from XX/XX/2021. I cant make Fay Servicing take they money out of my account. I did my part. I had the money in the account. I received emails that they were waving the fees due to the servicing agreement not being placed with Fay until after XX/XX/2021. On XX/XX/2021 your loan was transferred to Fay for servicing. is from the XX/XX/2021 communication. 
Every month I call about some new fee being added to my loan. I am promised a response. I dont hear anything from Fay Servicing .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: WESTERN UNION COMPANY, THE
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Received a Western Union money order that I ca n't deposit for XXXX days. Says I have to wait XXXX hours. I was under the impression that money orders are prepaid and available right away. I 've searched the internet high and low for anyone else encountering the same thing. Found nothing about this, nothing on Western Unions website ether. Everything I did find read like it should be available right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I did a Purchase in Amazon using its credit Card provided by Synchrony Bank on XX/XX/2021 for the amount of {$750.00}. I returned this Item with ORDER # XXXX and XXXX  Trucking Number XXXX showing returned on XX/XX/2021. Amazon Website also shows the Item been returned as XX/XX/2021 Also it shows a 'REFUND FOR XXXX '' ( I'm attaching the Tracking number information been delivered on XX/XX/2021 and the Amazon web page showing the Item returned and the Refund for {$750.00} ). 
Last Saturday XX/XX/2021 I received an email from Synchrony Bank stating I still owe them the amount of $ XXXX called the bank and I escalated with a Supervisor name XXXX who added the information I'm placing in this inquired as well I provided her the Refund Transaction ID Code XXXX date XX/XX/2021 XXXX ( PST ). 

I would like to have The CFPB make this bank to credit the amount of {$750.00} in the Account I have with them according with the Proof I'm submitting along with my Inquire against Synchrony Bank. 
Thank You 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 monetary relief
Consumer complaint received 2020-04-07
Company: Experian Information Solutions Inc.
State: ME
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:
All 3 Agencies have refused to remove negative information even though I have Disputed Issue Several Times and provided supporting documentation that the Lender, XXXX XXXX XXXX, has not only ceased collections activities- but has sent 1099C Letter to IRS , and per Lender, in 2018. This Account should be Expunged from the Credit File immediately. Efforts to Submit a Dispute with all 3 Bureaus has been timely and burdensome, and not investigated.The Credit Agencies list " updated '' without any proof of fact-finding, which they  have not attempted to do.

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 2022-05-05
Company: T.S. Holdings
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX received letter from apartment complex stating debt owed and deposit not returned without warrant. Apartment complex owed me money. Responded with certified mail letter immediately. No response. Followed up with another letter two weeks later, still no response. 18 months later received call from a collection agency. Spoke to them about the issue, but no follow up response until XX/XX/XXXX with a letter. Responded with letter and copies of letters previously sent. Received a letter XX/XX/XXXX still trying to collect the debt, but not acknowledging the apartment complex actually owes me money and are not truthful about their " evidence '', stating pet urine stains on carpet. I did not own a pet nor have a pet in the apartment at anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We took out a loan. We noticed that our principle reduction over-payments were credited to future monthly payments. I went to the branch, spoke to an officer who told me that he would fix the misapplication of the over-payments and rightfully classify them as principle reduction. As the payments are auto paid from a savings account at the same bank I did not examine a statement until over a year later. At that time we saw that our payments were applied until XXXX. I went into the branch where we took out the mortgage, spoke to the manager who did not understand the misapplication and fixed the issue. 
However the bank has not been transparent about the way it reapportioned the interest. I requested several times that they send me a statement showing that if they applied the principle reduction correctly, the interest paid each month would go down slightly every month, which is not shown that way on the statement they sent. 
After XXXX months and several emails with the branch manager and several calls to the mortgage department they have not responded to my request. I request that USBank provide a statement transparently showing my payments and interest paid in the format as follows : DATE BALANCE PAYMENT PRINCIPLE REDUCTION INTEREST BALANCE as this is the way all financial institutions show history.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: JPMORGAN CHASE & CO.
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I was fraudulently charged for {$140.00} from the company XXXX. That same evening I received a XXXX code on my phone in the middle of the night which I thought was strange but I didn't think about it again until I saw this charge. Once I noticed the charge on my account ( XX/XX/XXXX ), I contacted my credit card company and they removed the charge and started the investigation. They let me know that the purchase was for XXXX baby carriers and I let them know that I have XXXX XXXX XXXX twins and that I have no need to purchase 2 baby carriers. I also told them about receiving the strange XXXX code in the middle of the night. 

I received a notice on XX/XX/XXXX that they completed their investigation and I was held liable for the charges. I was surprised as the fraud investigator NEVER contacted me as part of this " investigation '' process. I appealed it and was sent another letter on XX/XX/XXXX stating that I was still found liable. I asked on what grounds and they told me I could request a copy of the " investigation '' paperwork. I requested it and it clearly showed someone used an email similar to mine but they changed the last letter to a number ( an " n '' to the number 5 ). I called back and reported this as it was clear to me that someone did a good job of making it look like I made this purchase that I absolutely did not make. The purchase was also made from XXXX, WA and I was in XXXX, OR on the date the purchase was made. 

It was not difficult for me to see that this investigation should have concluded in my favor so I called and appealed again and told them the above information. Just today I received a third notice that they were not removing the charge from my account. I am done dealing with them directly and am requesting assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Credit determination

Complaint:
I have been a customer of Bank of America since XXXX, but I have XXXX-30 day credit marks with them. I am unable to get consistent information. I have tried to get the due date changed because I changed jobs. I was even told by customer rep that I had to give the name of my employer to update my information, I advised them I ca n't get calls at my job unless it 's an emergency. They called my former employer several times in XXXX even though I no longer worked there and I told them this information. I want all negative credit marks removed and the credit bureaus advised me that Bank of America can remove them without me disputing it. Bank of America claims they ca n't, I even offered to set up autopay from an account every month. The information given is not correct, Bank of America 's credit department held my payments for no clear reason, even though I never had return payments with them. The customer service rep claimed my bank rejected the payment which was not true at all. I was able to go online with my bank and see the money was already deducted from my checking account already. The credit department even claimed back in XXXX because I made XXXX payments in 1 month, they wanted to make sure the funds were available ( they even acknowledged that I never had a returned payment. I want the credit marks removed due to misinformation that I was given. You do not need my employment information to discuss the account, I was told I had to update my work information. I gave my address because they called my family constantly looking for me and they were very upset about this. My old employer advised me to let them know that I no longer work there.

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 2023-01-30
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and apparently I owe this company {$18000.00} for XXXX. I am extremely upset and do not want this to damage my credit. Whoever stole my identity also tried to open accounts and get XXXX XXXX in my name. Luckily I caught it soon enough and froze my credit. I need to know the next steps & have this debt erased please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion has not sent my report because they say they need proof of address. However, I have not moved since I mailed my proof of address along with my request to XXXX XXXX XXXX for my credit report in the first week of XX/XX/2021. 

XXXX and XXXX didn't seem to have an issue sending my reports in response to my written request. 

Additionally, Transunion didn't seem to have an issue with sending my report in response to an adverse action taken in XX/XX/2021. I haven't moved since XX/XX/2021 either. 

See attached postcard from Transunion stating they needed proof of address as well as the first page of the credit report Transunion sent in XX/XX/2021.

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 2021-09-30
Company: Syncapay, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I use prepaiddigitalsolutions.com as a way to save my income from a few investments that I have online and a few days in the date of XX/XX/2021 I found that my account was CLOSED with money inside and without any further warning or email explaining the reason was my account closed and I took the action to contact the customer service about this issue happened and they explain to me that my account was closed because some of the tokens that I redeemed in the website ( token is a code that you receive from rewards websites with an amount of $ inside and this is loaded into a virtual prepaid debit card ) was obtained in a fraudulent way and they can't do anything in this case, after this call which I want to mention that I never received any confirmation in my email about the status of my account I lose access to my account because the support change my personal security question without my knowledge and in this point, they close my account with this amount inside : {$6700.00} because a few tokens were obtained in a fraud way but they never told me WHICH tokens were obtained in an illegal way and delete from my account or any way to recover the fund that they think " was properly obtained in a legal manner ''. this situation is ongoing since XXXX XXXX of this year. I want to talk about the situation on XXXX XXXX that I've talked with the customer service several times and also talked with a supervisor called XXXX and they change the EMAIL attached to mine account and changed several times the security question to denied the access to my account. also, they never inform me about the changes in the email of my account and the security question.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX XXXX XXXX did not consent to, authorize nor benefit from the following account. Block and remove it. The address is different from my physical address. As a consumer my rights are being violated, my reputation has been ruined. Which has impacted my credit in which has impediment me from providing for myself and my family. It has caused me emotional trauma that has hindered me and my family from progressing forward in our lives. They violated Federal Law with 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ) and 15 USC 1681a ( 4 ) 1692d ( 1 ) 1692b ( 2 ) 1692d ( 5 ) 1692c ( c ) 1692g

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Experian Information Solutions 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:
My credit report contains information to be excluded from my report based on the FCRA. 
15 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSION : except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; CONSUMER : means an individual.

PERSON : means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

Transaction : Credit Limit Experience : Reporting of Monthly Payments, Utilization and Remarks.

( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Credit Card : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

XXXX, XXXX, AND EXPERIAN my Social Security Card was used to grant extension of credit or money and according to the law my consumer report should contain any account, transactions or experiences where this card was used.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2016-09-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax is still reporting an account ( XXXX ) on my credit report. XXXX however has removed it as had reached the date for it to be removed from my credit report. I have contact equifax to please send me an updated report and they will not send me one. I also tried to dispute this account online through equifax website and was not able to do so. This account ( XXXX ) is suppose to be removed from my report. Having this still reporting is affecting my credit report.

Company response to consumer: Closed with explanation