BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a lowes credit card with a fixed interest balance and several XXXX interest promotions. On XX/XX/2022 I made a payment of {$2600.00} to be allocated to paying off XXXX of the XXXX interest promotions before they expired ( XXXX in XX/XX/2022 and XXXX in XX/XX/2022 ). I was told that it would be allocated by the beginning of XXXX. I checked my statement in XXXX and it had not been completed so I called again. They said it was corrected and to check back at the beginning of XXXX. I checked again and called again because it still had not been completed. I just went through the same thing with them again. With those balances not being paid off as they were suppose to have been done, my minimum payment calculations were not correct. I have always made my payments on time. This is a very unfair practice. If someone is paying off a promo before it ends in order to prevent paying the accrued interest but it takes months for it to go through, that is extremely wrong.

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 2016-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I got charged XXXX for subway twice on my card and I called the bank and have them to remove it and they refuse and told me I need to call subway and subway would n't help me or corporate office would n't help to and that XXXX is been pending on my account for two days. Now I 'm trying to pay my credit card bill

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 2017-12-15
Company: U.S. BANCORP
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am a certified XXXX XXXX XXXX XXXX in the state of WI. I was assigned to appraise a XXXX guaranteed loan for US Bank of XXXX, WI. The amount owed me for the appraisal is {$420.00}. The appraisal order is dated XXXX/XXXX/XXXX. This bank has received the money for the appraisal at the time the homeowner applied for this re-finance loan. The bank is aware of our net 30 days pay schedule. We call and e-mail daily and are getting nowhere. It does n't matter if this loan closed or not, that would be against XXXX. The contact at the US Bank in XXXX is XXXX XXXX, XXXXXXXXXXXX. This is regarding US XXXX # XXXX. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX, Your transaction has been canceled and will no longer be processed. 

We will refund the account you used to pay for your transaction. 
Refunds to a credit or debit card typically take 3-10 business days. 


While the funds have been withdrawn, your bank may not show a charge immediately. 


Receiver : XXXX XXXX XXXX Send Amount : XXXX USD Date : XXXX Reference # : XXXX The total cost of this transaction fee was {$21.00} which they refuse to refund. I sent money to XXXX  XXXX  because the recipient was in XXXX  XXXX  but they refused to give her the money because her I.D . was from XXXX. So I had to cancel and resend with the receiving State as XXXX  but she received the Money in XXXX  XXXX. I followed the instructions to the letter XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TSI sent an invoice ( received XXXX XX/XX/2022, reference number XXXX ) in an attempt to collect {$17.00} l that is allegedly from XXXX. 

I do not do business with XXXX. XXXX customer service was not able to assist, and TSI does not answer their phones while their online portal throws an error and directs you to call their phone.

This is the second time Ive received a fraudulent charge from TSI. I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft. I have notified Trans Union several times & they still report this fraudulent information. I have provided copies of my ID, social security card, police report as well as an identity theft report. The following accounts listed for Dept of EdXXXX in the amount of {$4100.00}, {$3500.00}, {$2100.00}, {$1800.00}, {$910.00}, & {$870.00}. DO NOT BELONG TO ME. THESE are not my accounts. 
XXXX XXXX XXXX in the amount of {$1500.00} & {$530.00} DO NOT BELONG TO ME. I have explained I have no knowledge of these accounts disputed with all proof but Trans union keeps reporting these fraud accounts. Please Remove & BLOCK these accounts as they are 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 2016-04-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I contracted my mortgage company, Wells Fargo Home Mortgage to try to make a mortgage payment and arrangements to bring the loan current. At the time, I was 3 months delinquent. They refused to accept the payment and instead advised me that I have to have all three months at once in order to accept the payment. I escalated the call to a supervisor, who told me the same thing. I advised them I would file a formal complaint because I am trying to give them money and they are refusing it. I was transferred to the Executive Complaints Unit and was advised that I could apply for a modification. I submitted my paperwork and within 2 business days received a call saying it was denied, but that I could appeal. The agent that was assigned to me flat out told me not to bother to appeal because it would not make a difference in the outcome. I had no options but to come up with all of the money to reinstate.

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 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have filed disputes and tried to fix this issue with this company for the last 4 months. They have lied about not receiving my ftc report and I have sent it prior to the last complaint. This issue is causing stress.

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 2022-04-13
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
On XX/XX/XXXX I had an offer on my dashboard thru American Express with a pre-approval for a XXXX XXXX loan. I was approved and spoke to a customer service rep that day. I thought I was all set from that point going forward as she asked me if I wanted the funds to go directly into my checking account that ended in the same XXXX numbers of the account that I pay my bill from. I contacted Amex on the XXXX and I spoke to another rep asking about the status of my loan. She said that the paperwork wasn't signed but helped me thru the process and told me that it was all set. 
A week later I find out that the loan was canceled because I did not sign the paperwork by XXXX XX/XX/22. The customer service rep never told me that this was now an inactive application and that I would need to re apply. 
I have the commitment notification and the loan number ( XXXX ) stating that I was approved for the loan with the breakdown of the interest charges. However American Express says that I did not reply in time and that the loan was cancelled. I received the notifications of the loan being accepted after their deadline. I have screen shots of the whole process. I called American Express to try to resolve this and they told me that there is nothing that they could do because this is done thru an automated system, but they urged me to log back in and reapply. I did so and the offer for the loan is now only a preapproval for {$3500.00}. 
I find this to be unethical and as one of their XXXX claimed " Unlawful ''. American Express is known for their superior customer service and after this whole situation I feel violated and uneasy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This dispute arises from furnisher not providing information on credit report as to whom the account was sold to. Without the furnisher reporting whom they sell accounts to, consumer are disadvantage for the following reason : any payment, settlement or agreement can not be updated through the XXXX CRA 's. 
IE consumer settles account with debt collector and sends letter from debt collector to XXXX CRA 's, the CRA 's can not honor the request to update original account because there is no information reported by original furnisher linking new owner of account. 

For the above reason, in XXXX 2016 spoke to XXXX at Transunion and I disputed XXXX XXXX ' lack of reporting as to who they sold the account to. Transunion assigned new file # XXXX. However the result of XXXX XXXX ' investigation, from that dispute, was to update the account as paid, this was also inaccurately reported. Leaving the consumer with the only resolution, a direct dispute with the Creditor. This creates a long, laborious and at times, confusing for the unsophisticated consumer to get corrections done to his or her credit report. Are they 're no standards, polices and procedures to address obvious lack of disclosure by the part of the credit furnishers? IE Furnisher reports account sold but does not disclose who sold or transferred to, Furnisher reports account paid but does report correctly. 

This dispute ends up on the door of Transunion as I could find no other way to bring this to the attention of the CFPB and the original furnisher dispute was processed through Transunion. However I always found the staff of Transunion to always be most helpful and I am not writing this as a dispute solely directed at Transunion. This dispute is broader based as it seems to occur across the board with the credit reporting agencies. 

Could you please look into this? 

Thank you in advance for your time. 

Attached credit report XXXX XXXX no disclosure who account was sold to Attached credit report results of XXXX XXXX investigations, still no disclosure of who sold to and now account updated as paid. 
Attached this letter

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 2020-03-29
Company: EQUIFAX, INC.
State: IL
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 contacted Equifax several times explaining that the following accounts do not belong to me. I have sent all requested documents ID, Social Security card, Police report, and Identity theft report. I have informed Equifax that the information they are reporting is FRAUD. I am asking that the following fraud accounts be DELETED & BLOCKED from my credit Report. Dept OF ED/XXXX {$2100.00}, Dept OF ED/XXXX  {$4100.00}, Dept OF ED/XXXX  {$1800.00}, Dept OF ED/XXXX  {$910.00}, Dept OF ED/XXXX  {$870.00} & XXXX XXXX {$300.00}. I have contacted you over & over again. Due to you reporting this information in error has cause a huge effect on my life. I am asking that you please DELETE & block all these fraud accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NC
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:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2017-05-23
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been paying my student loan  6-7  days ahead of time and {$20.00} more than the minimum payment amount for over 5 years. I recently moved from the  XXXX   XXXX  to the  XXXX   XXXX . My bank on the  XXXX   XXXX  is not on the  XXXX   XXXX . I opened a new bank account here. I made changes online to my Navient account on    XXXX   XXXX   XXXX     . I filled out information for my new bank online and signed up for auto debit. I received an error message online following my submission. I called to follow up with  Navient  who said everything had been processed, my next payment would be taken from my new account, and my old account had been deleted.     Two months pass and I receive notice from my previous bank on the  XXXX   XXXX  that my account is negative {$300.00} due to multiple attempts by Navient to collect my payments from this old account. I spent  4  hours on the phone with Navient as well as my old bank to resolve this issue. Navient claims they did not remove the payment. My bank claims they did not send the payment. Both parties are blaming the other. I was responsible and did what I should to make sure my payments remained current, and ended up spending  4+  hours on the phone and paying {$120.00} just to settle the situation although it was no fault of my own.     It is completely absurd that people who are paid and titled " customer service representatives '' expect you to figure out who made the mistake and send them supporting documentation to fix the error when the error was clearly either my bank or Navient. I believe it was Navient because I have several other accounts that I had no problem transitioning to a new bank for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This has got to end, I have disputed this account through XXXX XXXX for a long time. This debt is past the statute of limitations and should not be listed on my personal credit file. I have requested the actual company XXXX XXXX to even validate and nothing has even been received after numerous disputes and validation request. My next step if this is not resolve is to hire an attorney. There is a law that is in place for a reason. I am requesting Experian to remove through your agency as my disputes they do not investigate nor comply with the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Transworld Sys were calling and sending bills illegitimately from an overdue medical bill. I requested proof of the overdue bill but they never provided me with any such proof. I was threaten to make the payment or risk that they would place this occurrence on my credit report if a payment was not made. Reluctantly I made the payments as agreed over a few months but they still processed the debt as a charge-off which was not what I had agreed to, nor did they ever provide proof that in fact this was a debt of mine.

I have made several credit reporting dispute attempts to have this blemish removed from all three reporting agencies but they have only corrected 1 out of the three. To date this erroneous information remains on my XXXX and XXXX  Credit Reports. 

I would like this information removed from my credit reports since I was illegally coerced into making payments but yet in still reported negatively on my credit report. Please have them provide verification of this debt and also remove negative impact from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navent loan IBR plan I can't reach them I do not have a Job I am XXXX years old and with this virus  I am struggling to keep food on the table.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT. THE ACCOUNT IS A CLOSED ACCOUNT ANS HAS BEEN PAID FOR IN A SETTLEMENT AGREEMENT. FOR YOUR CONVENIENCE, I HAVE ATTACHED A LETTER SHOWING PROOF OF THE AGREEMENT.

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 2022-09-07
Company: EQUIFAX, INC.
State: TN
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:
For the last several years my addresses on my report have been inaccurate, my DOB has been inaccurate, and credit inquiries that are not mine have shown on my report. 

Ive been unable to access my report ( only through XXXX XXXX. ) the other 3 require identity verification that doesnt apply to me. I contacted an attorney to help, who was actually able to pull a good portion of my report and 90 % of it is inaccurate which leads to the denial of any attempt to receive a loan or credit. I am unable to dispute said inaccurate information due to the fact that every single component of my report is wrong. 
I can not log in to any of the 3 bureaus, and those bureaus, no matter how many times Ive called or sent in my personal info, changes nothing. My disputes have not been investigated or applied. 

I have been denied for every loan, credit card Ive tried to get. even the ability to verify my identity to get a loan is hard due to inaccurate information that I am unable to fix alone. 
There are medical debts, credit cards on my report that are not mine. And during the attempts to get a loan, Ive been asked about my mortgages, student loans, addresses, phone numbers, pet insurance that arent mine in the attempt to receive a loan. Instant denial for loan because they think its not me. 

Ive exhausted all options, and its became extremely detrimental to my financial, and emotional well-being. I feel absolutely stuck with no way out of the situation. 
I am aware that I am entitled to an accurate report with the FCRA and I will go to any length I can to resolve it. 
I can not get approved for student loan, buy a home, approval for credit card, day care, lending companies, leasing companies, or an auto loan because nobody can verify my identity due to the extensive inaccuracies in my report. 

Theres a woman in my town with the same name, DOB 10 days after mine with a nearly IDENTICAL social security number. ( Her last two digits is XXXX and mine is XXXX ) this is the only difference between the two. She reached out to me in hopes of solving the issue. 
Weve both been unable to solve the situation on our own. And need help. Our attempts to reach out to each bureau has left us going in circles with no success. 

Ive reached out to attorneys who do not know how to help me. 

( In documents attached, the highlighted yellow ones are inaccurate )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Ive had a bank account with Suntrust bank for some time now, and just recently I started receiving mail saying that my account had been closed due to some fraud activitys that I know absolutely nothing about. This was my only bank account and Im confused ... Ive never opened up another bank a account or did anything fraud in my life. I wish to resolve this as soon as possible, thank you. I can and will send over all of the necessary documents proving that I was a victim of identity theft. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation