BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-21
Company: SYNCHRONY FINANCIAL
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: Problem with personal statement of dispute

Complaint:
Credit Card XXXX : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX Name & Address of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Office ( XXXX ) XXXX, Fax ( XXXX ) XXXX XXXX XXXX XXXX, XXXX ( XXXX ) did not complete the goods and services that they had agreed to install a Fire & Sprinkler System at the following address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX Synchrony Bank is a conspirator to the contractors fraudulent inducement to bid a project cost that was unattainable. 

XXXX XXXX XXXX XXXX  Agreement dated XX/XX/XXXX indicated a Target Est. Install Date of XX/XX/XXXX. 

My wife filed a dispute with Synchrony Bank weeks after I had filed my dispute. She received a credit on her account on XX/XX/XXXX for the very same issue that Im having with this company. My wife and I combined our Synchrony accounts together to fund this project from XXXX XXXX XXXX. 

Synchrony Bank have closed out all my accounts under them such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and others. The reasons for their decision were, Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay.

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 2022-05-21
Company: Experian Information Solutions Inc.
State: IN
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:
in accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-07-02
Company: Amsher Collection Services, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
In XXXX XXXX, I disputed a XXXX Bill for payments made to the account that were not credited and for undefined charges designated as " other. '' I sent via fax proof that payment was made and that the balance XXXX claimed was due was incorrect. 
After many attempts to get XXXX to define the charges and correct the bill, my service was discontinued and I could not access my account in order to get bills and other information to dispute the charges, but do have several key bills that were disputed. 

I sent a Debt Verification Request that was never answered and offered to settle the account with the stipulation that there be no negative information be added to any credit report. 

On XXXX/XXXX/XXXX, I received a letter in the mail from " XXXX XXXX XXXX '' claiming to be collecting on behalf of XXXX. I assumed the payment would go to XXXX, but apparently it did not. 

I was not aware that XXXX sold the account without notice and while the amount owed was disputed before verifying the debt. I noticed on my credit report a new debt opened that I did not recognize named Amsher Collection Services. This is when I realized the payment I was led to think was going to XXXX, was in fact not. 

The amount reported to Amsher Collections was incorrect and over the disputed amount. 

I thought I was paying XXXX. The agreement was that all negative information be removed from all credit reporting agencies or any specialty credit/information agencies and it remains on my credit report. 

Apparently, there are others who have had similar experiences with both XXXX and Amsher.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
incorrect namws address and mispellings of employers

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 2022-08-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
This is a follow-up to claim # XXXX which I have just disputed. However, in an effort to further clarify my previous message which stated the following : " The second proprietary lease has been forwarded to XXXX '' who confirmed receipt. Per your letter and XXXX you were to send me back one of the proprietary leases along with the stock certificate. 

I do not understand what game are you and XXXX playing with me. I have been dealing with this issue for almost two years now which seems like a bad dream I ca n't wait to wake up from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Here is another fraudulent account that has been appearing to my credit report. I have filed FTC for this last month but it seems no one is taking action to get rid of this inaccuracy. Again only your agency EQUIFAX is reporting this inaccurate information that is really making an impact to my credit report. 

Company : XXXX. 
Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already bring this to your attention to remove this fraudulent and inaccurate reporting that is hurting my credit score for several times. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. This item is already reported to FTC since the last time I coordinated with you and only your agency is reporting this negative item. 

XXXX XXXX : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: The CBE Group, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My mother had XXXX and somehow because I was paying her bills they put the bill in my name. She had a XXXX and stopped watching TV and I can not get the installation documents from them or CBE who is arrogant and irrational. 

I tol d them this but they refuse to supply this. They sent me a list of charges after the acct was put in my name that proves nothjing. 

I want the imstallion receipt or want a decent settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have not received my disputed results from Transunion since XX/XX/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 2016-11-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
Almost a year ago I received a solicitation from Chase Bank to get their XXXX XXXX XXXX credit card. The reason I got the card was a feature where the cash rebate of generally 1 % was increased by 25 % if used to purchase travel. I accumulated about {$1800.00} in travel benefit. I checked on-line a few times and was able to use their on-line system to find hotels and flights, but did n't actually use it because the cost of particular hotels was higher than available through XXXX. Nine days ago I decided I should use the travel purchase feature. However, each time I tried to get on-line over a nine day period, I was unable to get to the travel purchase portion of the site. Each time I got a message saying the feature was temporarily unavailable to me. I talked to XXXX different individuals at Chase, and they were unable to help me access the travel reservation portion of their site. I would like for them to call me and allow me to make hotel reservations as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-21
Company: American Credit Acceptance, LLC
State: IL
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:
In accordance, with the Fair Credit Reporting act XXXX  Account # XXXX has violated mu rights. 
15 Section 002 States Ihave right to privacy Is use XXXX XXXX XXXX XXXX Section 2 : It also states a Consumer reporting agency Can not furnish a account with out my written instructions. 
15 USC 164uB. A Creditor may not treat a payment on credit card account under an open end Consumer Credit plan as late for any purpose. 

Please help with this matter thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: EQUIFAX, INC.
State: IL
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:
- In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


- In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

- In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

- In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


- In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I tried requesting lower payments, on XXXX or XXXX of my loans, but was right away denied and told they do n't do that cause it 's a private loan. Also feels like I 've been paying forever with very little of my debt paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13
Company: The CBE Group, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I moved to a different state and got a new phone number ( land line ). this company CBE has been calling ever since I moved in a month ago. I told them this is not the number of the person they are trying to reach, but they keep calling ( several weeks and many times a day ). They told me i had to call my phone carrier and tell them to update some number registry and that they would remove my number. The calls have not stopped, They called 7 times today ( auto dialer- XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been reading through a number of on line publications and still ca n't find a clear answer to my question. What are my rights to receive my monthly statement from my mortgage company in a timely maner? Two months ago I received my statement at the beginning of the month and my bill would be due on the XXXX of the following month. The next month it was n't printed till the XXXX and I did n't receive it till the XXXX for a bill due on the first. This month my bill is due in 8 days and I have n't received any statement at all from my mortgage company. I live in Texas. Is there a federal or state law that protects my rights? especially when there is a penalty for late payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, I contacted TransUnion about the following inquiries ; XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX  Inquiry on XX/XX/XXXX, XXXX XXXX Inquiry on XX/XX/XXXX, XXXX XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX Inquiry on XX/XX/XXXX, XXXX XXXX XXXX Inquiry on XX/XX/XXXX. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment XXXX you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX Bankruptcy XXXX Liability : {$0.00} ; XXXX XXXX  Bankruptcy XXXX Liability XXXX {$0.00}

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 2017-03-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Hunter Warfield. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Hunter Warfield in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-26
Company: HW Holding, Inc
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with this debt collector. I offered to make payments on this collection. He refused to let me set up a payment plan. He said I must make payment in FULL. I can not make payment in full. So I submit this complaint regarding his statement. I offered to make payments and he refused. He is refusing to let me make payments. That being said, I should not have to pay this debt since he refused to let me make payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: DISCOVER BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for a checking account with Discover - twice now - and XXXX times the application was denied. During repeated telephone conversations Discover insists that A ) The decision to deny my application was made XXXX, not merely based on information furnished XXXX but ultimately made by Discover, B ) there is no way to manually review the application and grant an exception ... that it 's a system controlled process that is completely automated with no manual review possible and C ) It is not possible to provide a list of SPECIFIC reasons why the application was denied. I have been a Discover customer for many years now and this utter lack of concern and the pitiful customer service is very disheartening. Furthermore, on the more recent try, there is no record of a XXXX inquiry so the assertion that the decision was based on that is an outright lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
HUNTER WARFIELD has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). HUNTER WARFIELD has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting HUNTER WARFIELD to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

HUNTER WARFIELD has no proof of claim with verified, validated authenticated documentation. HUNTER WARFIELD has violated the FDCPA 1692 and is Civilly Liable according to 813 Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

HUNTER WARFIELD has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation