BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Trans Union is reporting my name as my maiden name even though I was married XXXX   years ago. I submitted a dispute including a Marriage Certificate, CA Driver 's License and Social Security card, all with my married name, and sent them a dispute by mail asking that they accurately report my name. When their reply came back, it was addressed to my maiden name. They continue to use this name even though it is NOT my name. 

I've already been denied credit because of their inaccurate reporting. I informed them of this and even included the credit denial in the dispute letter I sent. That denial is still on my credit report. 

This is the SECOND TIME I've sent this information to Trans Union. In 2016 I sent my driver 's license, social security card and a utility bill to prove that my maiden name was no longer valid. And they did nothing. 

Trans Union is flagrantly violating the law and their inaccurate reporting is, and has, ruined my chances for credit and caused me severe and grievous harm.

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 2022-03-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company is going to charge me for last years homeowners insurance. When going to renew homeowners insurance for this coming year, the mortgage company found that renewal was not an option. Renewal was not an option because I have not been insured for the last year. This lapse in insurance occurred due to escrow paying my homeowners insurance company 13 business days late. I have an email showing that escrow paid the homeowners insurance. On that email it says the date that next years payment will be made, which is the due date of the homeowners insurance. To me this reflects that they new when the insurance was due and that they were late. I have no notice to show I was canceled by my homeowners insurance. My escrow account shows the cost of the insurance deducted in XXXX and then in XXXX there is a deposit into the escrow account for the identical amount... the reimbursement. A year later, we are both realizing that I have been uninsured. Thankfully nothing happened. And now, my mortgage company is going to charge me for insurance to cover last year. How do I proceed in stopping this charge from occuring?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSWORLD SYSTEMS INC
State: IL
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:
This complaint is with regards to an incorrect late payment history that appears on my XXXX  credit report. The history pertains to a Perkins Loan serviced through UAS  for the XXXX XXXX  University Bursar 's Office. 

I submitted the following in a credit dispute to XXXX  ( see attached ) : - Document 1 : Borrower Statement - Document 2 : Relevant CFR regulations - Document 3 : Relevant ISAC regulations - Document 4-5 : Proof of contact with the alumni office during the dates of alleged late payment - Since submitting the dispute, I have collected more clear evidence from the Alumni office regarding the exact dates my contact information was on file ( Document 6 ). I have attached this for review. 

The dispute was concluded by XXXX  on XX/XX/2020. I have attached a copy of the dispute report as provided by XXXX  ( Document 7 ). Document 7 shows that the account history continues to reflect late payment status codes for these months. All that was updated was the effect of my recent payment on any past due balances. 

Having previously tried to resolve this issue independently with both UAS  and the XXXX Bursar 's office and through an XXXX  dispute, I am now turning to the CFPB for assistance in resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: LEXISNEXIS
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:
Hello. I submitted an item to be disputed with LexisNexis by certified letter on XX/XX/2021. The letter was delivered to LexisNexis and signed for on XX/XX/2021 at XXXX. 
After 60 days, I have not received any reply from LexisNexis regarding my dispute! 
So since they are now in violation of federal law, I am sending the attached information back to LexisNexis demanding they now delete this item from their records! 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Sale of account

Complaint:
Since XX/XX/1996 I have had a XXXX Credit Card through Chase. I want to keep my card with Chase. Chase has been great with fraud detection and the site is easy to use. Customer Service has been outstanding. I have built up a XXXX year great credit history. 
I received a letter last week that Syncrony Bank is taking over the XXXX rewards card. I do not want to switch. I called Chase and requested to switch my account to another chase card. Chase said that I can not do this anymore because the accounts are going to XXXX Bank. My only option is to open a new account. I do not want a new account. XXXX Bank and XXXX gave no notice about this. I would have switched my account when I could but I had no idea that anything was changing. We should have been given at least a 60 day notice period to stay with chase with a different credit card and keep the credit history in tact. I have no loyalty to XXXX. I want to switch my Visa Siganture card to another Chase Reward card and keep my credit card history and stay a Chase Customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This company is my only credit card agency that failed to secure customers ' security and privacy. It did not implement XXXX step/factor authentication. My repeated calls, emails, secure messages requesting implementation of XXXX have been neglected and appeared to have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card
Issue: Transaction issue

Complaint:
I am contacting your agency in hopes you can help me with some charges on my Walmart Mastercard ( Synchrony credit card ). I would like to dispute all charges made by XXXX aka XXXX Web Stories LLC. I was contacted by an individual who said that he found out that I had purchased an XXXX Affiliate membership and that unless I had an unique Web Site and a way to bring me a lot of traffic ( visits ) to it, that I would never make any money. He said that he could do all of that for a fee. We discussed several options and decided that his {$12000.00} package would work best for me. Which I paid {$5000.00} on my Synchrony card. So I used credit cards to pay his company that much. All the financial transactions were done by his assistant. A few days later another individual called and said that unless I had a back office and a lot of training that I would n't make any money. We discussed several options and decided that the {$7000.00} package would do the job. The same " assistant '' called and helped me charge that amount on my credit cards. She gave me directions on how to access the training modulas, my back office and helped me create and post some blogs. These things were supposed to teach me how to keep traffic increasing and keep it coming to my site. I worked pretty steady for a couple of months. Then both my wife and I had some health problems and I was n't able to spend much time on it. It was supposed to keep running without much attention, but I never saw any sales and the traffic did n't even increase. Then my wife was hospitalized XXXX times and was sent to several XXXX and went through a lot of tests. She still has XXXX more XXXX test to see if she is strong enough to undergo XXXX. Regardless when they sold me they said they would do the work and in result I would start making sales. I did not make any money. I was left with a non functional business and a large debt since I paid to this company a total of {$19000.00} and they never showed any results of the work they have done.These companies prey I tried to resolve directly with them and get my refund but they ignored my requests. They did not provide the services as promised.

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 2016-10-02
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I called amazon to payoff the {$65.00} whicj the last balance I had to pay it off and they stated they did not have any record of my account, so I disputed the information to get it removed be uase according there was no record whatsoever.

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 2020-03-05
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: Information belongs to someone else

Complaint:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: OH
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 profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card
Issue: Other

Complaint:
Dear Sir. I have applied for a Barclaycard Cash Forward Credit Card to Card Services, XXXX. XXXX XXXX, XXXX, DE XXXX ; My Application XXXX was rejected on XX/XX/2016 on the grounds " Too many new accounts opened ''. First, this is not a valid reason for rejection. The real reason for the rejection is discrimination on the grounds of age, race, religion and national origin, specially since I was invited to submit my application based on my credit report. However, when Barclaycard looked at my full profile, they were moved to discriminate against me based on their prejudice. The denial of this credit is, therefore, in violation of the U.S. Laws against Discrimination. CFPB is hereby requested to take action against Barclaycard for the violation of the Law. Thanks.

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 2022-03-15
Company: Experian Information Solutions Inc.
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:
Ive been disputed a few credit card accounts that was fraudulently opened a few companies in my name i was a victim of identity theft Ive had a fraud alert in place on my credit file ever sense i sent letters back in XX/XX/2022 disputing the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive disputed these items over and over with credit reporting agencies XXXX, XXXX and Experian stating these was fraudulent accounts they never investigated just kept saying it was accurate

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 2022-03-15
Company: Experian Information Solutions Inc.
State: MD
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:
I recently checked my credit report and i see some accounts that are causing harm to my otherwise impeccable credit report. Due to certain laws that protect me, I believe these accounts should be updated to perfect payment history. Please see attachments for more info. Failure to comply will result in civil penalties for you willingly ignoring the laws that you are to abide by.

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 2017-01-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My husband XXXX XXXX had a Care Credit account in his name, I was never listed on the bill or had a card in my name I was an authorized user. My husband passed away in XXXX of this year with no assets there is no estate or probate. I sent a letter to the company with a copy of the death certificate and notified the there are no funds to pay this bill and ask them to close the account. Instead they put the account in my name without my permission and are now holding me responsible for the bill over {$8000.00}. Bill collectors calling day and night. I spoke to someone in customer service today and explained the situation again and was told that it was a joint account - I asked for proof - it will take 40 days to mail me a copy of something showing that i am responsible for the bill. They wo n't put a hold on the account until I get that info and the late fees keep adding up and they told me I would be reported to the credit reporting agencies. I can not pay this bill and Care Credit. In XXXX Care Credit became associated with Synchrony bank and sent new cards - this time there was XXXX for me that I have never requested and have n't This compnay will not work with me any way - they want their money and that 's it. I need help. I consulted an attorney through my legal services plan and he advised me that I am not responsible for debt that was in my husbands name or any debt that has me listed as an authorized user or secondary name.

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 2020-03-05
Company: P.S.C., Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original debt from XXXX XXXX XXXX, XXXX WA. Original XXXX   XXXX  ordered by XXXX  XXXX XXXX, XXXX AZ. XXXX XXXX for several XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  such as XXXX  and XXXX etc.XXXX. XXXX sent specimen unrefrigerated in mail. Specimen arrived at XXXX  7 days after taken from patient making it a non viable specimen for testing. XXXX  personnel knew this and conducted testing anyway. Charged customer enormous fees for XXXX XXXX unwarranted for XXXX  vs XXXX XXXX   which is a fraction of the cost. This was a common practice to do this unwarranted testing to overcharge patients. Department of Justice has charged XXXX XXXX XXXX with giving all its doctors, including XXXX  XXXX XXXX KICKBACKS for referring services unwarranted and nonviable specimens for testing. 

I, as XXXX  XXXX customer was duped. During a doctor visit with XXXX XXXX  he said he was going to do a XXXX XXXX in office. I watched the nurse perform test. After I left office they took XXXX  sample and mailed it to XXXX XXXX XXXX and authorized expensive XXXX  XXXX  which I would have never authorized. I had been tested many times only to pay no more than {$40.00}. When I got the bill from the XXXX  for in the {$3000.00} range I was outraged and started investigating. Not only was it fraudulently sent but a nonviable specimen for testing being so old and exposed to heat!! 

I then found out that XXXX  XXXX XXXX was getting a KICKBACK in the form of some kind of marketing check as found out by the Department of Justice. I then discovered that the XXXX  had closed, moved a couple blocks up the street and reopened in a different name. 

I am a victim of fraud and a kickback scheme in the XXXX   profession. The Department of Justice has arrested the top people at the XXXX  and some have already pleaded guilty. This debt is a product of 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 2015-06-07
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
XXXX separate times I have made reservations with XXXX resorts. When filling out the payment information there is a pop up that says if you are approved with a credit card from barclayus you can save XXXX XXXX dollars on this reservation. Both times I have been approved and although it states it will take you back to the site it does not. I called Barclay and XXXX and sent letters to both and received no resolution or compensation. I believe they are merely trying to gather personal information and I am probably one of many victims of their desceptive practice. The XXXX incident was in XXXX/XXXX/2015 in my name and XXXX one was XXXX/XXXX/2015 in my husbands name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Late fee

Complaint:
Automated payment that I setup with Synchrony Bank/XXXX was flagged as fraud by my bank. The payment was thus denied to Synchrony and ended up late. I have since setup a new recurring payment but Synchrony needs to reverse the XXXX dollar late fee they charged my account since they were flagged as fraud by XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-05
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I attempted an FHA Streamline refinance and rate reduction through my bank. My bank denied it as they said, FHA would not agree to keep a lien due to loan modification unchanged on the loan. at my banks suggestion I tried contacting FHA to ask them to agree. FHA referred me to HUD housing and urban development who I called, faxed and emailed my request for assistance but still have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Conduent Incorporated
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
For XXXX years my sons father has neglected his responsibilities. He has the ability to pay support but is unwilling to pay and is in contempt of court - ( PC XXXX ). According to California Code of Civil Procedure section XXXX if you have child support arrears you are required to not only regularly pay the amount of money you owe in support, you also are required to pay 10 % interest per annum on child support arrears. Further, under California Family Code XXXX, there is a 6 % to 72 % penalty on delinquent amounts if you fall into arrears by more than 30 days. My sons father owes $ 50,000+ and submitted paperwork at the Tennessee XXXX to have a judge in Tennessee override the California judges order of support and arrearages. When the State of California, XXXX XXXX Department of Child Support Services, contacted Tennessee to serve XXXX contempt order - he fled and has been avoiding service for years. He uses cryptocurrency, works under the table in construction and needs to help out. I have been taking care of my children by myself for 14 years. I have spent thousands toward private schools trying to protect my children and to this day I am still in debt- however their lives are priceless. I am taking care my children the best I can and it is not right that that he gets to neglect his responsibility for 14 years. The government can find people under the ground, above ground, anywhere and I don't believe the government is having a hard time locating to serve child support orders. Tennessee is just like Florida, Texas, Arizona and other XXXX states - that doesn't follow deadlines nor the law based on skin XXXX. He had the child support lowered to a couple hundred dollars and ran not realizing every little bit helps his son. 

You keep fighting battles, without ever getting justice - you start to lose respect. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns Applicances keep calling this business phone XXXX XXXX trying to get into contact with an employee who is no longer with us but they constantly harass us with calls XXXX times a day. We ca n't run our business properly if they are constantly calling. It 's become a harassment at this point and we just want it to stop.

Company response to consumer: Closed with explanation