BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had originally purchased a set of bar chairs for my kitchen from ROOMS TO GO ( Creditor : SYNCHRONY FINANCIAL ). At the time of purchase I was told that they only had XXXX in stock but that they could sell me the showroom model as well. Once both were delievered I realized the chairs were different and did not match. Naturally, I called and had XXXX of them returned with the expectation of ordering another of the same type. This is where the problem started. It was after the return of the chair that Rooms To Go failed to credit my account for the chair I had sent back. After many attempts to get the credit they refused. As a result I did not pay them for the chair as I had no intention of paying for something I did not have in my possession. After futher disputes they agreed to credit the account, however, they subsequently sent off the interest earned to a collection agency XXXX without my knowledge. It was my impression that if the account was credited that in of itself meant the creditor acknowledged the debt was not mine and as a result any interest acrued was not mine either. I was wrong, I started to receive debt collection phone calls from XXXX and in order to rid myself of the debt ( under {$1000.00} ) and reduce its effect on my credit I opted to pay it off completely. Nevertheless, I am not satisfied and would like this rectified.

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 2017-01-26
Company: GOLD STAR MORTGAGE FINANCIAL
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Gold Star Mortgage rejected my application to refinance of my home and would not return my appraisal fee, after i requested them to do so. They stated that I have a foreclosure on my credit report, to a house that I do not own. The foreclosure pertains to my mothers house not mine. Gold Star was the first to ever inform me of a foreclosure. A demand letter was sent on XX/XX/2017, to either provide to me legal documents that bind that foreclosure with my name on them or return my appraisal fee by XX/XX/2017. 
Basically, Gold Star informed me that I have to prove my innocence of the foreclosure by providing a copy of my mothers Family Living Trust, which I do not have. 
I informed Gold Star that they basically needed to provide proof that I am guilty of a foreclosure or return my appraisal fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/2014 I received a letter from Care Credit. This inquiry was unauthorized and I politely explained that to XXXX different people in the credit services fraud department. I asked them to contact the credit bureaus where my credit was pulled and informed them that the inquiry was unauthorized and I was told that they could not do anything about anyone using my information. I was told by everyone I spoke to that no application was opened in my name and for me to call them myself and inform them that the inquiry was unauthorized. I have never spoke to such rude individuals in my life. I have a fraud alert on my credit report for a reason. This unauthorized inquiry has shot my credit score down XXXX points. Someone needs to have this inquiry removed or I will be bringing legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX representing XXXX have filed a collection report on my credit report. My XXXX  dropped 22 points! The amount is {$1300.00}. This is absolutely not my account. I have no knowledge of this account or the bogus debt.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11
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:
On my XXXX XXXX account I disputed 1 derogatory charge from a hospital on XX/XX/XXXX of this year with Equifax but instead of them disputing that 1 derogatory charge they messed up and disputed all 26 of my accounts that are in good standing and when I called to have this fixed because I dont want my accounts disputed or closed they said there's nothing they can do to fix it and on top of that it dropped my score by 10 points this needs to be fixed I worked very hard to get my credit cards and build my credit I'm honestly about to contact my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: VA
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, my name is XXXX XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
Banana Republic ( Synchrony Bank ) ran my credit four ( 4 ) times XX/XX/2015 for a department store card I opened. The dates the Transunion reports were run are : XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, and XXXX/XXXX/2015. My credit is monitored by XXXX, and they facilitated a call between myself and Banana Republic. In the call, I specifically asked why my credit report was run four times for XXXX department store card. They said they do not know and would send a letter. The XXXX representative told me privately that it looked like XXXX accounts were open in my name, even though I had only requested XXXX account. I had also requested in 2015 that my Banana Republic card be cancelled, by calling a store representative.

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 2021-07-31
Company: EQUIFAX, INC.
State: WA
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 was impacted by COVID and applied to forbearance to my primary and secondary mortgage on XX/XX/2020. My primary mortgage had no issue giving me forbearance immediately. However, my secondary mortgage company XXXX claims I did not apply on that date. 

I had applied via XXXX  ( aka XXXX  ) website on XX/XX/XXXX and have gotten a confirmation for forbearance. Two months went by with me thinking I was under forbearance like I have had with my primary mortgage until I realized something was wrong and the secondary mortgage was not under forbearance. I called them to try to correct this and they implied they would and I finalized my forbearance in XXXX. 

After selling my property I paid off both loans. However XXXX has reported XXXX and XX/XX/XXXX as 30 days late. If they had not failed on their end, I would have been under forbearance and would not have these two damaging items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: BANK OF NEW YORK MELLON CORPORATION, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX initiated XXXX for me to XXXX based on share sale proceeds. This happened on XXXX of XXXX. Bank of New York Mellon is intermediary bank which is meant to send my money to XXXX XXXX. They held my money citing further information about me personally which I provided. They held on to my money for another 2 weeks after than then asked me for more information. This was based on discrimination purely because of my name. They asked if I ever had these weird names, they also asked me if I have to ties to XXXX or XXXX. Im an XXXX citizen working for a US based company. It is discrimination to signal me out preludes because of my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/ there was a fraudulent purchase on my PayPal account. The perpetrator also created another credit card account. My bank resolved the issue in my favor. However, PayPal refuses to close my account and wants me to upload photo ID which I refuse to do. I have deleted banking information on the account, made security login methods to access the account and just want to close it. I am concerned that my account has been compromised and some of my personal information. I refuse to send more personal information to them to close it. I need to know what can be done. There are no phone numbers that I can contact them by. 

Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: Rent Recovery Solutions
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I rented an apartment from XXXX XXXX ( part of XXXX XXXX ) I paid the move out fee and asked for a detailed statement of charges. Due to many accounting errors, a claim was made that I owed {$220.00} dollars and and I was sent to collections ( rent recovery in XXXX ) XXXX XXXX from XXXX finally determined that not only did I not owe them any money, but they in fact owed me {$230.00}. They incorrectly sent me a check for {$13.00} and a follow up check was sent for {$220.00} Rent Recovery closed the account but refuses to remove the derogatory on my credit. ( this has caused over 100 point drop in my credit score for a debt that I do not owe. )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: AMERICAN EXPRESS COMPANY
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:
sending me bogus letters about a debt that I do not owe XXXX XXXX XXXX XXXX american experess XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Repeatedly, I have asked for the company XXXX to furnish me with copies of receipts, invoices, un-authorized signature purchases, and they refuse to do the diligent searches, efforts or comply with my requests. Instead, they have persisted in showing the balance as mine as personal, and owing, which I have adamantly DENIED. It was reported, and they DENIED this, and can not or will not forward the 'purchases ' to me. And then they report this to the 'CREDIT BUREAUS ' which post a NEGATIVE and as a result shows a lower XXXX number than I should be enjoying. This by all means needs to be corrected, or this company should be held accountable for denying me my buying power, and by 'dunning ' my worthiness as a legitimate purchaser. I need the help that you can lend, to make this creditor comply. Thank you.

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 2016-03-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Receiving unwanted marketing/advertising

Complaint:
XXXX XXXX submitted hard inquires to all credit Bureaus on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These were submitted to both Experian and XXXX Credit Bureau for the dates mentioned above.

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 2021-07-31
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail today XX/XX/XXXX from a collection agency stating that a letter was sent to my address 30 days ago and it is stating I owe money to XXXX, I do not owe the company any money or any item I have never received the company is more than aware of the matter, they have been communicated with since last year of XXXX and is requesting for money owed and my bank has already given my money back from XXXX almost a year ago. Please stop sending threatening letters and tactics from the collection agency that you all are sending false information stating I owe for an item you all are more than aware that I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never used XXXX. The debt was supposedly made for XXXX dollars in 2011 by my ex wife who denies using XXXX. The XXXX company is for kids and we did not utilyze their services at the time. I am not liable for this debt and my XXXX insurance XXXX XXXX did not receive a claim for this service.

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 2021-07-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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:
On XX/XX/2020 a collection letter was sent to me by PORTFOLIO RECOVERY and add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, PORTFOLIO RECOVERY has violated my rights as a consumer and I'm requesting legal action to remove this account legally

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2017-01-11
Company: JPMORGAN CHASE & CO.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Chase Bank has routinely delayed posting an online payment on my account to then charge me not XXXX but XXXX or XXXX additional overdraft fee charges. this regularly happens over the weekend, so I am careful, but then the charges do n't clear on Monday BAM I am hit with XXXX to XXXX additional XXXX dollar over draft charges. 

This is crazy. I am trying to save so that I do n't have to endure these charges, but this does n't fix their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-30
Company: EQUIFAX, INC.
State: PA
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:
I sent the initial affidavit and cease and deist demanding deletion of these alleged accounts on my consumer reports after learning these reporting agencies did not have written consent to furnish these accounts onto my report on XX/XX/2021 as well as a cease and desist demanding the consumer reporting agencies to stop all illigal communication via any medium. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. The following alleged accounts are non-compliant, inaccurate, and unverifiable accounts that have not been certified under the testimony of facts. XXXX  is still reporting this alleged accounts on my private consumer report without my written consent per 15 USC 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Flagstar Bank, N.A.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job and I am late on my mortgage payments. I want to work out a suitable solution for the bank and myself. The bank sent me a packet, I completed it and returned it to them. Approximately XXXX later I received a notice that my submission was incomplete and I needed to resubmit certain documents. I faxed these docs to the number listed. Another XXXX weeks passed and I received a document taped to my front door saying my home was scheduled for Sheriffs sale on XX/XX/2017. I am just looking for an opportunity to solve this issue, to include selling my home if necessary. I just need to speak with someone that has the ability to delay the sale so we can work out a resolution in good faith. 
Thank you.

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 2021-07-30
Company: EQUIFAX, INC.
State: NC
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, my name is XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: EQUIFAX, 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:
There was an inquiry from XXXX XXXX XXXX on my report. It was made in error so the fraud dept agreed to submit a request to the bureaus to have it removed. They submitted it but the inquiry remains on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Google Compare Credit Cards Inc.
State: VA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info

Complaint:
On XXXX XXXX, 2016, I received an email from Google that my Wallet account had been suspended and ultimately closed for " suspicious activity ''. I tried on numerous on numerous occassions to find out what activity Google was referring to because I had no used the Wallet accont for a money transfer since XXXX XXXX, 2016. I hit brick wall after brick wall because I was constantly told referred to the Terms of Service which state that Google can close any account at anytime for any reason without notice. I find that to be awfully unfair since I have an Android phone, and I can no longer make any purchases through the Google Play store by billing it to my XXXX XXXX XXXX wireless account. This creates an unnecessary burden on me. It would seem that this violates the FCRA and Title! 2 of the UCC. Communication with the group that makes these decisions is nearly impossible because is only through email. This is hardly satisfying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX ( aka XXXX XXXX ) in XX/XX/XXXX/ XXXX XXXX. First I went for XXXX & then I went for doctor 's visit/ XXXX. I paid for both visits in XX/XX/XXXX. I have receipts for the visit - printed & credit card tape. In XXXX XXXX I started receiving calls from a collection agency. I provided copies of the receipts from the payment as well as a copy of my bank statement with the money coming out of my account. The collection agency said they could not stop calling me until the office told them to stop calling me. I sent the receipts and a letter of complaint to the doctors office and I fired my XXXX that I had been going to for approximately XXXX years because I had recurring billing problems with them in XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. They did not acknowledge the letter or the receipts. They did not call off the collection agency. However, I know that they did receive the letter and receipts because when I went to my new XXXX this year, instead of sending my medical records that I requested and paid $ XXXX- {$25.00} for them to send, they sent a copy of my letter of complaint and my receipts. 

I do not recall the specifics of the issue with the XX/XX/XXXX bill. I have been remiss about checking my credit. I think they charged an old insurance instead of a current one. However, I thought it was resolved long before my appointment in XX/XX/XXXX. Additionally it did not show up as a previous balance on my invoice for XX/XX/XXXX. 

How do I get them to resolve this? 

Note : I do not have the copies of the invoice & receipt with me. I would like to opportunity to upload them later even though they already have them. I did upload my bank statement that shows the money coming out of my account.

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