BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-29
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXX  I received a letter from Synchrony Bank saying I had an overdue account of {$20.00}. I called the number repeatedly but couldnt get a live person. I emailed the company but got no response. I kept calling and finally talked to an agent and filed a fraud report. I was told that I would not be responsible for the charges while there was an ongoing investigation and that they would notify the credit bureaus as well. Now I continuously get emails and text saying that I have a balance over 60 days and my credit has gone down XXXX points as a result of this!! Im so upset about this and its giving me so much XXXX  because I keep getting notices from the credit companies about how much my credit has gone down. Ive called all the credit bureaus and written letters to all of them as well. Ive also written to Synchrony Bank. I havent received any responses yet. Ive always paid my bills on time and Ive never had a late payment. My credit is very important to me and Ive worked hard to keep it in excellent standings. This is outrageous that theyre ruining my credit for two charges for {$5.00} that they cant even tell me what theyre for! Ive had an XXXX account with XXXX for many years and its set up with automatic payments. Im a reliable and responsible person. Im XXXX XXXX XXXX and plan on XXXX in a couple years. I need my credit to be in good standings so I can get a small mortgage if I need one. Please help me with this. I would be so grateful. Thank you very much. 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 non-monetary relief
Consumer complaint received 2023-02-23
Company: TD BANK US HOLDING COMPANY
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
As a consumer I have exercise my rights in regard to consumer purchases. Since XXXX XXXX I have attempted to contact the department at the department pertaining to the accuracy included in the consumer transaction resulting in " loan '' deceptively assigned and then furnished to my credit report without consideration and consent. I offered my consumer paper for collection does not surrender. The purchase of my vehicle was for personal, family and household use only. I have implemented to have the alleged debt paid in full by use on negotiable instrument acceptable by debt settling obligation and requirements. furthermore, the suppose contract only has one party signature I have asked for clarification about this with the company and the assigned " loan '' company. I yet not received any correspondence about this matter. 
As on XX/XX/XXXX I have sent another letter of correction and satisfaction of the matter. In addition to verify that this is legitimate consumer transaction, I have requested a copy of the contract between the consumer and the Corportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
This complaint is addressing Equifax 's lack of ethical practices. For at least 2 years I have been attempting to log into my credit report account. I made a complaint here on CFPB on XX/XX/XXXX, wherein after back and forth Equifax stated that it had solved my login issue. As of today, after two additional attempts on XX/XX/XXXX, and XXXX, I have continued to get the attached error messages with regard to access to my credit report. I did request a new report by phone in XXXX, of which I never received. I sent a letter asking that " hard inquiries '' be removed and then I called as well. I am met with hostile, careless customer service representatives. As a result, I have practically been rendered homeless. My score is STUCK with them. While XXXX and XXXX have been wonderful, Equifax is ruining my life by not acknowledging my existence. The login problem has never been solved, and every time I call they tell me that I will hear from someone in 60 days, which never ever has occurred. 

I have also attached numerous emails I received almost daily from Equifax. 

I have attached the response from a place I attempted to rent but due to Equifax 's errroneous reporting and no response to me, I was asked to put down a {$3000.00} deposit. 
My previous complaint is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was PAID as AGREE with the collection agency ( XXXX XXXX XXXX ) and should be DELETED.

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 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$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 2022-11-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: EQUIFAX, INC.
State: AR
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 was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX {$0.00} Someone stole my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the charge off accounts associated with my credit report. The charge off accounts in question are from XXXX and XXXX XXXX with account numbers XXXX and XXXX respectively. 

I am not aware of any delinquent payments or actions that would result in these accounts being charged off. I have always made payments on time and in full, and have never received any notifications of missed payments or other issues with these accounts. 

I request that you investigate these charge off accounts and provide me with a detailed explanation of the circumstances surrounding their creation. Additionally, I request that you remove these charge off accounts from my credit report if they were created in error. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: NJ
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:
I went to the XXXX XXXX XXXXXXXX in 2010. At the time the proffessor failed to enter my grade into the system and I was notified that I had a balance due because dropping the class meant I was now a part time student not full-time student so Financial Aid was refunded. I went to my financial advisor XXXX and explained that was incorrect. I never withdrew from the class. As a matter of fact I A'ed it. I went back to the proffessor, he said he's correct the error and brought proof to my financial advisor XXXX. At the time I explained that I will not be returning to school due to the fact that I was going through a XXXX, pregnant, seeing a therapist, etc and didnt want to mess up my GPA . He said no problem. However, for me not to be responsible for the funds they returned to Fianacial Aid, he's going to have to put me in classes, apply for the funds from Financial Aid to get the class they mistakenly send the money back for covered, then he'd withdraw me from all the classes and I'll be OK. I specifically told him I don't want this to effect me in any way or have issues. It didnt sound right. He said not to worry, I'll be fine. Of course, as a student, you'd think I could entrust in my financial advisor. Once I saw it on my Credit Report, I immediately starting trying to resolve this issue with the school through phone calls and emails. I just kept getting transferred. Then I tried disputing it with the credit beureaus, they would come off and reappear as something new because the accounts keep getting sold. I contacted XXXX XXXX XXXXXXXX last week to find about my transcripts which still shows as me dropping the class. i never noticed before due to the fact I never requested them till now. I explained everything to them and they didnt want to hear anything. they said I waited too long. I told them I complained immediately when everything happened and was told it was resolved. now I see it hasnt. I asked to speak to the proffessor or my advisor, they said the campus closed so I cant do anything. I don't know where else to turn. It is frustrating being responsible for something they made an error on, and fraud just to get paid and still didnt give me my credit for a class I took which was difficult for me to get through. The accounts are currently showing under US DEPT OF EDXXXX {$9700.00} XXXX XXXX and the other is {$7300.00}. 
They need to remove this off my credit. It is not valid. I also have a letter clearing my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: EQUIFAX, INC.
State: SC
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:
3rd REQUEST : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX  SUNRISE COLLECTIONS AGENCY ESTABLISHED AN ACCOUNT AND HAS BEEN ATTEMPTING TO COLLECT A DEBT ORIGINALLY FROM XXXX XXXX XXXX NOW MY PERSONAL INFORMATION HAS BEEN SOLD FOR A THIRD TIME TO ANOTHER THIRD-PARTY AGENCY XXXX XXXX XXXX XXXX XXXX WITHOUT MY CONSENT. BOTH AGENCIES ARE CONTACTING ME NOW IN AN ATTEMPT TO COLLECT SAID DEBT. ACCOUNT IS PAST THE STATUTE OF LIMITATIONS AND THESE DEBT ACCOUNTS KEEP APPEARING ON MY CREDIT FILES CAUSING DEROGATORY MARKS OVER AND OVER AGAIN. I HAVE ALREADY DISPUTED THE ORIGINAL DEBT AND HAD IT REMOVED FROM MY CREDIT FILES, NOW THE DEBT HAS REAPPEARED YET AGAIN WITH AN INCREASED AMOUNT OWED.

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 2023-01-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hi, I took part in the covid relief program for 8 months. I was told that I would have repayment options available when my forbearance plan ended. 

My forbearance plan end date is XX/XX/2023. I paid my mortgage payment in XXXX and called to set up auto payment only to find out I am required to pay my lump sum in full with NO repayment options available. If on the XXXX I am not able to pay the lump sum, they will start the foreclosure process. 

The information provided and explained to me was portrayed in a way that I understood I would have repayment options. According to Penny mac, it is up to the insurer. I reviewed the covid relief program paperwork and it also portrays and states that a lump sum payment is not required if it is not possible at the time of the plan end date. 

Penny mac and XXXXXXXX XXXX are looking into this but have yet to inform me of any findings. My concern is the XXXX will come, and I will be stuck and default on my loan, starting the forbearance process. 

I am happy to help provide more documentation or discuss further. I am hoping this gets another look and reconsideration. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions 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:
Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : As required by FACTA and in support of my request, I am including a copy of my police report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX XXXX THESE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME PLEASE REMOVE THEM XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX  Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XXXX  XXXX, XXXX Miscellaneous Reptg. Agencies XXXX  XXXX Inquiry from XXXX  XXXX, XXXX Auto Financing XXXX XXXX XXXXXXXX Inquiry from XXXX XXXX, XXXX Automobile Dealers, New Consumer XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing Consumer XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks

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 2023-02-10
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:
**If its anything over {$1.00} they are to return the money PERIOD!

( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall **there are three things that need to happen A. credit the amount of the credit balance to the consumers account ; B. refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( theres no choice here ) C. make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone ; meanAND in law ( a semicolon meansAND in law it has to be done ) 1026.17 is part of 12 CFR Part 1026 ( Regulation Z ). Regulation Z protects people when they use consumer credit. CFR https : XXXX XXXX XXXX XXXX XXXX Treatment of credit balances. 
Pursuant 12 CFR 1026.13 : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer. I hereby demand that all future coupons be sent to my place of abode, as listed on the account in question, in the form of a check, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX current, and future payments. 
NOTICE OF ACKNOWLEDGMENT- this is important Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. 
Your prompt attention and response are both requested and required. 
XXXX XXXX executor, consumer, debtor, and legal Date representative of [ XXXX XXXX XXXX UCC 1-308 All Right Reserved

Company response to consumer: Closed with explanation