BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-16
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
In XXXX of 2021, I filled out a paper application in a TJ Maxx store for a credit card. I was told by the store clerk this would not put a hard inquiry on my credit -- but I have a record saying on XX/XX/2021, I did have a hard inquiry. I provided my accurate email address and phone number on the application and on my TJ Maxx account. I never received further contact about the card, via mail, email, or phone number, and I assumed the application had not gone through. 

Today, XX/XX/2021, I checked my credit score to find out I had a bill from the said rewards card, owned by Synchrony Bank, which I have never received contact from. The bill was over 120 days overdue and I had never received contact about it. When I attempted to pay it online, I found I needed an account number, which I had never received. 

I called customer service and found the account had been closed, but I was able to pay it off using my debit card. My credit score has dropped over 100 points because of this incident and will take years to recover. I am single, almost XXXX XXXX XXXX, and can not rely on the credit score of a spouse when I need to use a line of credit. I'm infuriated, and frankly embarrassed, because I have otherwise never missed a credit payment and before this the only detriment to my credit score was that I am young and my credit is too new. 

I want Synchrony to take accountability for their lack of attempt to contact me, and for causing my credit score to drop so dramatically for a bill that was less than {$300.00}.

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 monetary relief
Consumer complaint received 2018-09-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I have worked hard on removing inaccurate information from my credit report as well as updating my address, email address, and phone number to XXXX. I currently am XXXX and on a deferment plan. I just recently pulled my credit for my own review to find out that they are reporting that I have been late every month in XX/XX/XXXX. I'm beyond livid at this point as I mentioned before I've spent a lot of time and energy removing previous inaccuracies. My credit score was XXXX now I'm below 600 due to this. This loan was from XX/XX/XXXX and is under 1,000.00 due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: Experian Information Solutions Inc.
State: DC
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:
These accounts are to old to still be reporting on my credit. Please remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I made a {$15000.00} payment and specified it was to go towards loan XXXX. I was notified several days later it was declined due to " invalid account number '' for the XXXX account. 

On XXXX I made a {$15000.00} payment again that was accepted using same account number for the XXXX account and specified it was for loan XXXX. This was applied incorrectly. and Navient split my payment from XXXX into {$6400.00} for loan XXXX and {$8500.00} for loan XXXX. Never did I give that direction. 

On XXXX I made another {$15000.00} payment using XXXX account and it was accepted. I specified each and every time that the payments were to credited towards loan XXXX, do not break apart, in half or otherwise. This seemed to have been made correctly. 

In order to pay off loan XXXX, on XXXX I looked up the payoff amount and was shown a balance of {$190.00} was due. Using my XXXX XXXX account ( which I have had and used before for at least 10 years XXXX, I made the final {$190.00} payment. Again, I was told the payment was declined due to " invalid account number ''. So, I went back online, looked at the balance due which was now {$190.00} and again made a payment again towards loan XXXX that was now applied incorrectly, when Navient split the payment again, applying only {$95.00} to the XXXX loan and putting {$98.00} toward loan XXXX. 

Today is XX/XX/XXXX and I am told within 3-4 days the loan will be applied correctly and a letter will go out within 20 days confirming loan XXXX is paid off. The same information I was given on XXXX and it was never done, with my payments broken apart to make sure both loans stay active despite my explicit direction and attempt to pay off one of the loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12
Company: LEXISNEXIS
State: AZ
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX has falsely reported items on my Lexis Nexis C.L.U.E . report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Experian Information Solutions Inc.
State: FL
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION. PLEASE REFER TO THE ATTACHED ITEM.

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 2018-07-23
Company: Mobiloans, LLC
State: AK
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I received a phone call multiple times in the last week to my place of work by a woman from XXXX XXXX. She was calling from XXXX. She was rude, threatening and has continued to call my work even after I have asked her to stop. She claims to be from Mobiloans.

Company response to consumer: Untimely response
Consumer complaint received 2021-02-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened accounts for promotional bonus offer and funded on XXXX. The bonus was for XXXX . You needed to keep on deposit for 60 days and the within 90 days of account opening you would receive bonus. 

Upon calling I was told they are short staffed and its a pandemic and it will take longer. 

I called and asked for a supervisor who said basically it is what it is and I would just have to wait. I asked for a manager and was told someone would call me back. As of a week later no response. The company is still running their promotion so obviously this is false advertising if they were truly behind they would stop the promotion I escalated via email and only received a generic we will get back to, you. I have waited well over 100 days for this bonus. I believe the company is in violation of their promises and false advertising. 

I even called the corporate number and was told no executive can speak with me, I had to submit an email and wait for response. No one has been helpful either with chat or at least 5 phone calls

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: PRESTIGE FINANCIAL SERVICES 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:
Prestige Financial Services is reporting 3 inaccurate late payments XXXX XXXX XX/XX/2018 to my XX/XX/XXXX credit report. Ive disputed the inaccurate information with Bank statement to XX/XX/XXXX no luck they wont delete them even wit my bank statements showing I made the payments. Ive reached out to Prestige Financial Services numerous times with no luck getting this issue resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
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:
Chexsystems furnished an inquiry without my written authorization, I stated in the first compliant if Chex systems can not provide documentation of me giving written authorization for this inquiry to be furnished then they must delete/ remove from my report. 

Check systems instead wants to put the inquiry in inquires only viewed by me, and that it will no longer be in viewed by others. 

Chex systems violated my privacy rights and broke the FRCA law of permissible purpose. And now Chex systems is even breaking the law even more not following my demands that I want the inquiry to be deleted/ removed from report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: AMERISAVE MORTGAGE CORPORATION
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is regarding Amerisave. My husband and I applied to refinance our home with them around beginning of XXXX of last year. I've given all the documents they asked me to provide for 4 months. All most 95 different documents. My husband and I own our businesses and we are self employed for which every year tax returns were provided as well. Finally, the loan office sent me an email in XXXX saying that my loan has been approved and I'll be working with another person to close the loan. They also mentioned that the loan needs to be restructured as a 20 year loan instead of a 15 year loan which we originally applied for due to our income. we agreed to that and restructured it as a 20 year loan. It was extremely difficult to contact either one of them for so long. They kept sending me closing disclosures again and again but closing was never set. To top it off, they pulled our credit again in XXXX without even notifying me. There was no answer from them when I asked how they can pull my credit again without my consent. After more than 5 months of struggle when I questioned whether they're closing the loan or not, they completely back tracked and said they are still working on approving the loan when it was actually approved in XXXX. Now after 6 months of back and forth with the company today they said that our Income to debt ratio is high and they can not approve the loan. Our financial situation did not change in this 6 months in any way. We have about 28 years of credit history with no late payments. I don't mind if they would have said that they can not approve the loan 5 months ago. But they wasted 6 months of my time and giving misleading information by saying the loan has been approved and then back tracking again. I have proof of all the emails with the information and also proof that how difficult it was to contact them. In several of my emails and calls I requested so many times to talk to a manager but never could get one on the phone.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-31
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My 7/1 adjustable rate mortgage was transferred to NewRez Mortgage XX/XX/XXXX. The previous service provided adjusted my rate for the first time on XX/XX/XXXX up .75 % to to 4.5 % based on the original loan terms. The previous provider based their adjustments on the LIBOR index. 

I have called NewRez several times to understand how future rate adjustments could occur. Most mortgage market indexes have trended downward, NewRez has not responded to my inquir

y on 1. how rate adjustments occur? 2. what is the current state of adjustable rate mortgage? 3. how can I initiate a rate adjustment to lower my interest rate? 4. what in
dex does NewRez base it 7/1 Arms?

Please advise. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Despite three written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. In Accordance with the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: EQUIFAX, 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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I have noticed some unauthorized inquires unverified and unauthorized items must be removed. I have submitted a FTC prior to this complaint but the inquires still remain reported and not open for dispute I have attached the items I would like to dispute below as well as the copy the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have never been associated with the social security ending in XXXX that is furnished on my report as well as inquiries below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THIS IS DEFAMATION OF MY CHARACTER AND I WOULD LIKE ALL UNAUTHORIZED ADDRESSES AND INQUIRES REMOVED FROM CREDIT FILE. ACCORDING TO 14 U.S.C. 1681 g ( a ) ( 5 ) A CONSUMER REPORTING AGENCY SHALL NOT FURNISH TO ANY PERSON A RECORD OF INQUIRIES IN CONNECTION WITH A CREDIT OR INSURANCE TRANSACTION THAT IS NOT INITIATED BY A CONSUMER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-07
Company: Americor Funding, LLC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
Debt Consolidation : Company is Americor. Signed Agreement on XX/XX/XXXX. Told the sales rep that I would probably want to pay off debt early, once I sold my house. He said no problem, to call for payoff amount when ready. 
Paid {$560.00} monthly with a {$10.00} fee taken out each month. 
Contacted Americor on XX/XX/XXXX to find out payoff amount. Was told it would be {$14000.00} and should take a couple of months to get everything paid off. 
Bank wired amount of {$14000.00} on XX/XX/XXXX. 
With the exception of Covid 2 hardship requests, the regular monthly fee continues to be withdrawn from my bank account. 
In XXXX, XXXX and XXXX I have called Americor to find out when final two card debts would be paid off. Was told that they are in negotiations and that it takes time. 
On XX/XX/XXXX, I sent an email to Americor addressing my frustrations and requesting expedited settlements. If necessary, please have a manager contact me. A ticket was established. According to their website, emails would be responded to within 7 days. I have not heard back from anyone as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: Experian Information Solutions Inc.
State: MI
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 checked my credit report and saw accounts that I did not authorize. Experian stated to fill this form out and I did and I have not heard anything 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 explanation
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation