BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-03
Company: CCS Financial Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, XXXX  Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written consent/instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not agree to sign up for ID notify through XXXX but am getting unwanted emails. The only way to cancel is to call their hotline, but in order to cancel you need to give a bunch of personal information. I can not agree to give more personal information to a company I didn't agree to sign up with in the first place.

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 2020-05-02
Company: Experian Information Solutions Inc.
State: PA
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:
PROVIDING 609 DISPUTE LETTER TO CREDIT BUREAU AND THE FAILED TO PROVIDE ANY INFORMATION ON FILE FOR THE ITEM THE WAS WAS DISPUTED

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. XXXX ACCEPTANCE XXXX XXXX, MI XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C.1681 Section 604A 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Fair Collections & Outsourcing Inc. requesting to pay for an apartment in a state I have never lived in. When I called to tell them this was not me, they told me they would send a fraud packet to confirm it was not me. When I received the packet, it was requesting information like my SSN, phone number, drivers license number, and other personal information. I did not send anything to them.

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 2016-08-11
Company: SYNCHRONY FINANCIAL
State: CA
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 credit report has an error. XXXX XXXX reports that my account with XXXX was opened in XXXX, 2013 ; this is incorrect information and may negatively affect my credit. I wish this incorrect information removed.

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 2020-04-20
Company: Diversified Consultants, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I spoke to a representativewith and expressed to them that I was XXXX  at the time that the account was opened and placed on my credit report. I told them that t a lot of my belongings were lost in the process including my social security card. They advised that I would need to speak to a representativewith XXXX  I called them and they stated that they place the account in fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
I was contacting one of my credit card companies to make a payment. They go by XXXX different names ; XXXX, CARCARE ONE and SYNCBI. I was offered this card when I took my car to a mechanic. This was over a year ago. 
I have made all my payments and now would like to pay the rest of the balance off, or at least the majority of it since their interest rate is 29.99 %, after a six month grace period on interest for purchases. 
I called them to make the payment using a much lower rate credit card and they informed me, they allow payments from checking accounts only. I find it hard to believe that this is legal. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: Seattle Service Bureau, Inc
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Hello, I am disputing this bill because it was never submitted to my XXXX Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over XXXX years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021 XXXX XXXX  UNAUTORIZED HARD INQUIRY REPORED. XX/XX/2021 XXXX  XXXX XXXX UNAUTHORIZED HARD INQUIRY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
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: Information belongs to someone else

Complaint:
Ive reached out to the debt collector, they wont speak with me as the name and social dont match. Ive tried to resolve this with the credit bureau and they refuse to remove it even after seeing the social security number and name do not match

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 2016-01-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I opened account with Care Credit via Synchrony Bank in XXXX, 2015. 
I have never been late or missed a payment. 
Most months I paid more than the minimum. 
In XXXX, before the due date of the XXXX, I made a {$50.00} payment ( minimum said {$26.00} ). 
Synchrony Bank, however assessed interest on my account on XXXX XXXX, & then reported an over limit on my account on XX/XX/XXXX.THIS IS TOTALLY UNACCEPTABLE. 
I should have been given until the next month to reconcile interest charges assessed after the due date. 
I called few times to speak with rep at Synchrony, however, was simply told that they could add interest anytime they wanted, and then report to credit bureaus anytime. 
The credit bureaus notification against my account is listed as a late or missed payment! 
I have the card statements & letter from Synchrony if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I purchased furniture at XXXX in XXXX AZ on XXXX/XXXX/XXXX. They had a sale and offered 24-month financing at zero interest. My first payment of {$100.00} was due on XXXX/XXXX/XXXX. I paid this online on XXXX/XXXX/XXXX. I thought I had set the account up for autopay from my XXXX checking account at that time. I found out on XXXX XXXX, XXXX, that through some error of mine autopay was not set up and the payment due on XXXX/XXXX/XXXX was not made. I immediately set the payment up and it was paid on XXXX/XXXX/XXXX. I included the payment due on XXXX/XXXX/XXXX so that {$210.00} was paid on XXXX/XXXX/XXXX. I received a bill for a {$35.00} late fee plus interest of {$2.00}. The payment of {$37.00} was made on XXXX/XXXX/XXXX. The statement I received for my payment due on XXXX/XXXX/XXXX stated that my minimum payment due on XXXX/XXXX/XXXX was {$140.00} plus a {$25.00} amount past due for a total of {$170.00}, an excess of {$70.00} over my required payment of {$100.00}. As of XXXX/XXXX/XXXX I had already paid the regular {$100.00} payment on XXXX/XXXX/XXXX and the late charges for the XXXX payment. Now comes the bill for the XXXX/XXXX/XXXX payment. They are billing me for {$170.00}. I owe {$100.00}. 

I have tried to communicate with Synchrony online. I get a message that the information I provided does not match Synchrony 's records and tells me to call the phone number provided on the statement. XXXX is an answering machine that gives information about what they say is the balance due and gives you no choice to speak to a human being or to leave a call back message.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Synchrony Bank is charging lates fees for payments delivered on time. Only payment is set through XXXX for the monthly payment. What they do is send the timely payment bank to XXXX and making the payment late so they can collect late payment fees. I already check with XXXX XXXX and the fraudulent action is from Synchrony Bank. I gess if the do this to XXXX of people they collect an inmense amount of money doing fraud transactions and abusing clients like me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: WELLS FARGO & COMPANY
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
WELL FARGO/XXXX XXXX XXXX This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. 
I recently disputed this account with the XXXX  credit reporting bureau, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : This account has been in violation and been reporting negative over 9 years. The last activity date was not reported which is 9 years old ; to make this debt remain on my report beyond the status of limitation. I need all payment history from the time I open this account till to date to support your record. 
Base on my class action law suits your company has a tendency to do this to your customer. This is right it is not fair and its clearly a FCRA violation. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
All correspondence should be sent to my attention at the above address. 
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 2020-03-26
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:
Ive reached out to the debt collector, they wont speak with me as the name and social dont match. Ive tried to resolve this with the credit bureau and they refuse to remove it even after seeing the social security number and name do not match

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 2017-05-24
Company: SN SERVICING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I HAVE APPLIED FOR A MODIFICATION TO SAVE MY HOME, I SENT IN A MODIFICATION PACKAGE AND WAS INFORMED BY MY ASSIGNED REPRESENTATIVE WHO IS AS  RUDE AS CAN B E  XXXX   XXXX  THAT DUE TO COMPANY GUIDELINES THEY DO NOT NEED TO INITIATE A MODIFICATION REVIEW BECAUSE I HAVE A SALE DATE WITHIN 37 DAYS. I ASKED IF THE FORMS I SENT IN WERE THE CORRECT FORMS AND SHE STATED NO WE HAVE COMPANY FORMS THAT WILL NEED TO BE COMPLETE, SO I ASKED HER IF SHE CAN SEND THEM AND SHE SAID NO I WILL NOT SEND THEM BECAUSE I DONT HAVE TO.     HOW IS THE SERVICER OF MY LOAN REFUSING TO SERVICE MY LOAN? THIS HAS TO BE ILLEGAL ON ALL ACCOUNTS.  XXXX  STATED THAT SINCE SHE HAS BEEN DOING THIS FOR YEARS SHE KNOWS WHAT SHE IS DOING AND DOES N'T HAVE TO SERVICE MY ACCOUNT BECAUSE I HAVE A SALE DATE. I THOUGHT THE SERVICER HAS TO CONTINUE SERVICING THE LOAN UNTIL THE HOUSE IS SOLD?

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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2019-11-30
Company: JPMORGAN CHASE & CO.
State: TX
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:
I purchased 4 XXXX XXXX XXXX tickets through Chase Ultimate Rewards portal on XXXX. But I was not provided the tickets even after making full payment using my Chase reward points. The tickets were for visit to XXXX on XXXX. I have called chase multiple times on XXXX and they are unable to provide a voucher even after receiving full payment. This is complete deficiency in service. Further, their call center employees put me on hold for several hours combined causing me mental agony and lost holiday time. I didnt want to spend my holidays on calls with Chase customer care. the employees were not helpful and made false assurances on recorded conversations which were not fulfilled. Chase will be liable for all losses, money, time and otherwise incurred by me and my family due to such deficiency in service. Further, the Call center employees wanted to put me on a 40 minute hold and refused to arrange a call back making me a virtual employee of chase without adequate consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Experian is reporting this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attatched Equifax Dispute Regarding XXXX   requesting XXXX  VERIFY THE ACCURACY OF INFORMATION DISPUTED. see attatched United States Postal Inspector Service CRIMINAL INVESTIGATIONS SERVICE CENTER USPS DELIVERIES NOT DELIVERED. ZIP XXXX FROM XX/XX/XXXX THRU XX/XX/XXXX DATED XX/XX/XXXX. 
XXXX  Refuses to Provide Original Written *Signature ( Delivery Accepted Picked Up at Post Office ) or * ( Delivered Into My Hands ) per my agreement with merchants. XXXX BY LAW MUST VERIFY WITH WRITTEN DOCUMENTATION XXXX COLLECTS ON ID THEFT. XXXX DOES NOT REPORT ACCURATE CREDIT INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Experian Information Solutions Inc.
State: LA
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:
Several attempts were made and resolved regarding misspelled and incorrect LEGAL NAME INFORMATION on the EXPERIAN report. Despite repeatedly verifying my identity to EXPERIAN and continuing to submit requests for correction and IMMEDIATE REMOVAL OF ALL INCORRECT SPELLINGS OF MY NAME. After filing a complaint with CFPB on XX/XX/2022, EXPERIAN has since, reposted the incorrect information and continues suppressing my true credit score and history. More than 30 attempts have been made between XXXX XXXXTHROUGH XX/XX/2022 requesting resolution to no resolve.

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