BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: SYNCHRONY FINANCIAL
State: CO
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 purchased an elliptical bike from a merchant, XXXX, using Paypal Credit/Synchrony Bank , for the amount of {$1700.00}. I received the bike damaged and missing parts. I contacted the merchant, who would not honor their warranty or resolve my issue. Emails and phone calls to the company went unanswered. I then disputed the charge through Paypal Credit/Synchrony Bank for the qualifying issue, " Dissatisfied with the quality of the merchandise or service, or it was damaged. '' I originally filed the dispute on XX/XX/XXXX, within 180 days of Paypal 's policy. My dispute has been denied and closed out repeatedly for " contact the merchant for resolution, '' which I've tried to do. I have talked to many customer service reps who have had the dispute re-opened for review, only to have it denied for the same reason over and over again. I spoke with another customer rep who instructed me to send all documentation through Paypal Credit 's XXXX XXXX XXXX for review. On XX/XX/XXXX, I sent all emails between myself and the merchant, all photos of the issues, phone records between myself and the merchant, record of transaction/invoice, a copy of the merchant 's return/warranty policy, and I also faxed this information to XXXX, as instructed. I uploaded the fax confirmations to Paypal Credit 's XXXX XXXX XXXX as well. 

On XX/XX/XXXX, my dispute was denied for the same reason. If they were to properly review the documentation provided, they would find that I have a legitimate dispute. They are not properly reviewing my documenation and they are not honoring their buyer protection policy.

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 2018-06-03
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On XX/XX/XXXX I submitted a complaint ( number assigned XXXX ) in refgards to unauthorized credit inquiry. I received an email from Equifax on XX/XX/XXXX stating the dispute response was available and it could be read by entering an assigned number ( XXXX ) along with other personal information. After following the email instructions a message came back stating no information was found! Is this a Equifax scam? I am concerned where my personal information went and is it safe?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
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 am demanding that this repository correct my credit report and actually conduct an investigation into the errors Ive pointed out and remove this unverifiable item. Furthermore, I sent them another dispute letter ( see attached ) lastXX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.

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 2022-02-28
Company: Conn's, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am having problems with accounts not being reported as paid or I paid an account to the collection agency but the original account is showing a balance and the collection has been deleted as agreed upon.The following is a list of the accounts which are not correct and which bureau is reporting it wrong. 

Conns - was paid through the collection agency which is now deleted but they are reporting a balance on all three bureaus, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX - These have been paid but are not being reported as paid in the payment status line or noted in the comments by XXXX. They are all reporting as paid in the payment status line and in the comments section on XXXX and XXXX. I paid these back in XXXX of last year. I've gone to XXXX multiple times asking for these to report correctly or to delete them. I've even got to these companies directly and they just say it was paid and that it could take up to 30 days to be reported as paid, its been 3 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to XXXX parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-01-20
Company: Kriya Capital, LLC
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 company has reported this debt on my report report as being owed and that is inaccurate. I do not have a signed contract with this company nor an agreement stating i owe this account or company. I have attempted to contact this company on many occasions with no resolution. I have also submitted disputes to all 3 credit bureaus for them to validate this debt and to provide the written and signed contracts for this company reporting the debt as well as verifying and validating the amount owed and the accuracy of this reporting. They are not disputing this with the company nor providing the requested documentation. This still has not been removed from my credit reports which has caused me to be denied for credit and I have advised them of the FCRA laws and requested these be removed. Please request for this to be removed asap. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several hard inquiries removed or deleted from my XXXX file that are duplicates on my Equifax and XXXX credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted Equifax and XXXX to see if I could request a removal of said inquiries to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I entered into a payment deferment arrangement in response to the COVID-19 pandemic with Wells Fargo in XX/XX/2020. Wells Fargo sent a letter to me in XX/XX/2020 to reaffirm and clarify the terms and status of my payment deferment. During the past few weeks, however, Wells Fargo has verbally contradicted the information provided to me in the XX/XX/2020 letter regarding the terms of my deferment. XXXX XXXX most recent communications have not only contradicted the XX/XX/2020 letter. Wells Fargo has contradicted the content of multiple conversations I have held with several Wells Fargo representatives by phone over the course of the past 17 months. In an effort to resolve this dispute, I have requested in writing that Wells Fargo provide me with notes and audio recordings that Wells Fargo representatives have been required to take of my phone conversations with Wells Fargo during that time frame. Wells Fargo refused to do so by asserting that my request is overly broad and burdensome. Wells has not acted in good faith by not offering me any portion or any time period with respect to the notes and recordings I have requested. 

Wells Fargo has informed me on at least three occasions that they would further research this matter and provide me with a written response as to their findings regarding my dispute. However, Wells Fargo has not yet provided any findings to date and has failed to respond within any of their represented time frames to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-26
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received 3 emails from Synchrony Bank <XXXX> 1st one stated a trial deposit has been successfully made to your ... 
2nd one stated a trial deposit has been successfully made to your Amazon Creditbuilder Note : This email was sent to you by Synchrony Bank, the issuer of your AMAZON CREDITBUILDER   Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your AMAZON CREDITBUILDER Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, USA. 
This is an unmonitored email box. Please do not reply to this email. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 

3rd one stated that action was required on my application. 

I see on social media that this happened to a lot of people and it was sent by Synchrony in error. However, this is not an acceptable error as I didn't open any application. Both companies should be investigated for fraudulent activity.

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 2017-08-21
Company: Brock & Scott, PLLC
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, 2017, I received a letter from Brock & Scott , PLLC stating that my debts with XXXX XXXX XXXX XXXX are now settled. When I paid these balances with Brock & Scott , PLLC, XXXX would only settle at 80 % on my two loans which equaled {$1000.00} and {$1800.00} respectively. I am still getting hit with delinquencies on both of these accounts on my credit report for XX/XX/XXXX and for XX/XX/XXXX. It takes the act of Congress to even get through to them and when I actually spoke to a person last week, she stated it would take seven days to research and I would have to call back to even receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a bill from XXXX in XX/XX/XXXX, I never opened account i have been a XXXX XXXX customer for past 9 years current, I refused a promotional deal when I went into a XXXX XXXX retailer in mall and they were giving a promo deal and gift if I filled out a card online, I did the switch never came forth  ... salesman called me over and over, over a 3 week period in XX/XX/XXXX, I told them i was not interested. apparently in XX/XX/XXXX i received a bill for services and called them directly via XXXX customer service number..for several months into XX/XX/XXXX I had to argue with them that it was a fraudulent account and bill. in XX/XX/XXXX I was sett a form and sent it back verifying i was not responsible for account or bill. in XX/XX/XXXX I received a letter from XXXX XXXX..who gave it to another collection company and now its reported as of XX/XX/XXXX as a new debt ...  completely innacurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: EQUIFAX, 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:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My name is XXXX XXXX and I co-signed my daughter 's - XXXX XXXX student loan with XXXX. The servicer is AES. The account is XXXX XXXX XXXX. The current balance is about {$24000.00}. After XXXX made perfect payments for 48 months, we requested from AES in XX/XX/2016 that I be removed as a co-signer. As of today, the payments have been automatic and on time for nearly 60 months. We have received conflicting information from AES Customer Reps, submitted the same documents four ( 4 ) times including those with return receipt requested, were lied to by AES that they did not receive the requests for co-signer release ( later saying that they did receive ), were told that decision is up to XXXX, when we called XXXX they say that decision is up to AES. Each Customer Service Rep has a different story about what was sent, what was received, and whose responsibility it is to provide me with a co-signer release. I have not been denied a release. I have been prevented by AES from being considered. The process is not transparent, the Customer Reps each say something different, promises are made which are not kept. At best I suspect AES of being badly managed. At worst, I suspect a fraudulent attempt to keep me from obtaining a co-signer release. Please look at this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has sent me a dunning letter suggesting I send them a written letter or the alleged debt would be assumed valid. I believe this is an attempt for Pendrick Capital Partners to abuse the system and suggest I have not already exercised my right for validation. The information they have provided in a previous complaint through one of multiple collection agencies they report to have put on retainer for collection services has been proven invalid and I have documented this Consumer Financial Protection complaint XXXX. This complaint verifies I have already disputed this debt and asked for validation along with requiring further communications to be by written letter only. This company, XXXX XXXX XXXX XXXX has called me repeatedly even though I have written to multiple collections agencies who have each notified Pendrick Capital Partners of my dispute and my requirement to cease phone calls to any number that may reach me. This XXXX complaint should serve as an additional written communication to again demand this debt is in dispute and I do not want any phone calls as any phone call is an inconvenience to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
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:
This derogatory mark on my report does not belong to me. I 've never heard of this business it must have been identity theft or some other error.
XXXX XXXX XXXX, Opened XXXX XXXX, 2016

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 2017-08-22
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: Personal information incorrect

Complaint:
SinceXX/XX/XXXX, I have attempted to get Experian to correct incorrect data relating to my name and addresses with varying success. I contacted Experian via mail and supplied evidence, a copy of my ID and utility bills. In XX/XX/XXXX, some of these corrections were made, but with errors ( See Experian Report XX/XX/XXXX ), which listed among other things, only my apartment number and city ( only ) as my address omitting the street name. I followed up with a request in XX/XX/XXXX ( see enclosed ) which resulted in previously investigated and deleted information to return, and an incorrect spelling of my name to reappear. It seems that I am back where I started, and Experian is not properly correcting and reporting previously investigated items.
I am asking for the CFPB for assistance to have these errors corrected by Experian. The information listed is not correct historical data and strangely was previously investigated by Experian and determined to be inaccurate and deleted. This came back!

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 2017-08-22
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
After calling Citi Bank to request the payoff amount, I paid the balance off in full on XXXX XXXX, XXXX. I received my next statement saying that I owed additional interest of {$9.00}. I was told when I called about it, that it would be removed. However, it was not removed and later went on my account as late. I called again and eventually paid the {$9.00}. This card was used to pay for a trip so the next month that charge was on the card. This was a large purchase so I paid for the charge in two payments. When I made the last payment, I call XXXX once again to make sure I was paying the entire balance, including any interest. After I made the payment to the person that I was on the phone with, I cancelled the card and requested a letter stating that the balance is zero and the account is closed. I was lead to believe that everything has been taken care of, however, this month there is interest due again.

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