BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was been introduced the carecredit ( synchrony financial ) at the XXXX laser XXXX office, they said is easy to prove, no interest, .hassle free. So I opened the account borrowed {$4000.00} at XX/XX/2020, set up automatic payments which is they required a round $ 120 monthly online. Today i checked my account balance is {$3500.00}, after 3 years automatic payment, i paid them more than {$4200.00} already. i notice that they changed me more than {$2000.00} interes at XXXX, and after that 26 % interest every month around {$85.00}. Such a scam! You never get pay off, debt never going down. I Never received any email or text about the interest charges, or anything about promotional ended .... I been told interest freeat first time, and i followed the payment introduction all the time. Such terrible system, try to confused the customers, and stolen the money!

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 2020-12-30
Company: EQUIFAX, INC.
State: CO
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:
Report a collection account as fraud. The company did no investigation and sided with the debt collector. With no proof debt was owed or it was me that made the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This is a payoff I'm requesting a 1099-C form. This mortgage account is not a debt and at a {$0.00} balance. Please remove from all Credit reports XXXX ( remove ) XXXX ( remove ) XXXX ( remove ) Also, Rights Violated Under Fair Credit Reporting Act 15USC-1681b section 602A State I have a right to privacy Rights also violated under 15USC-1681A section 604 A section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. Please Remove Asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi I have an issue with BB & t I tried to apply for a car online I was trying to get a secure credit card because I need to build credit up by saying that I have to be XXXX or for a secure credit card that is not true there's kids XXXX who has a secure credit card but my bank says that I have to put a minimum deposit down of XXXX dollars but I contact that customer service and they're saying that's not accurate that I can do it without putting it down payment down I try to apply for what they said but they're saying that I have to go in person but if I do that I'm going to get the same result and I really need a answer I really don't know I'm trying to build credit and I'm only XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I have accounts that I have paid off long ago and still show late payments, and past due, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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:
I discovered that the same account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5100.00}

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to XXXX and TransUnion Credit Bureaus on XX/XX/2022, to update this misleading account. I think you have not validated this account 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 XXXX Balance : {$10000.00}

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 2020-12-30
Company: Experian Information Solutions Inc.
State: OH
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:
Experian has prevented me from accessing my account for for inability to identify me. There is no number to call to get help. There is false ( fraud ) that the agency allowed to be placed onto my account, but offer no real remedy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am purchasing my mother in law 's home I have moved I am not able to purchase a home due to kohl s Putting a badd credit on me what happened was I moved and did not receive my mail for a month kohl s sent me a bill for {$130.00} I did not pay on time because I never received an invoice They put a bag credit rating on me for 30 days delinquent they have not told me if that has been resolved Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TRANSUNION, continues to report XXXX XXXX XXXX inaccurate information, which was a result in XXXX and XXXX data breach. USC 1681. TRANSUNION, has an inaccurate consumer report, which has been involved in identity theft. Along with any aliases connect to above name, Report should only read XXXX XXXX XXXX XXXX No other aliases connected. Fraudulent Account Displayed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-31
Company: Credit Bureau of Jamestown, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested Debt Validation from company in XX/XX/XXXX and did not receive any sort of validation. The collection then appeared on my account in XX/XX/XXXX, upon noticing this I requested validation for the debt again through XXXX  on XX/XX/XXXX. On XX/XX/XXXX i received notice from XXXX  stating the debt was mine, however I had received no proof of validation via email or mail. I again filed a dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX again all without receiving verification via email or mail. 

I spoke to a representative at CBJ Credit Recovery on XX/XX/XXXX who assured me that I would be receiving verification of the debt via mail within a fews and have yet to receive anything. All the while, this unverified debt is still be reported on my credit report without proper validation. I have requested items in writing, only to be told they do not provide anything in writing but that if i paid they could provide me a letter from a representative named XXXX. However until proper validation is provided, I do not feel comfortable paying and feel as though the company is trying to manipulate payment from me without having the proper paperwork in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Dovenmuehle Mortgage, Inc.
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my home loan in XXXX. Dovenmuehle Mortgage Inc. at that time was assigned to service the loan by my bank, including escrow account dispersion. 
I am XXXX XXXX and rely on property tax payments as an income tax deduction every year. 
I've discovered recently that Dovenmuehle Mortgage failed to make full payment of my property tax for XX/XX/XXXX. They instead made two installments. One half was made XX/XX/XXXX and the other XX/XX/XXXX. Furthermore, for XXXX, they completely failed to pay property tax by the deadline set by XXXXhe county where I reside. I had to contact Dovenmuehle to make the property tax payment from my escrow account for XXXX which included late fees and penalties. The funds were in my account. I make payments to my escrow account each month and it has always been in good standing. 
So for two years since the onset of my new mortgage account, Dovenmuehle has mishandled the escrow funds. For the most recent of XXXX property tax, I contacted Dovenmuehle and was told that they paid the bill according to the county tax bill two pay option and refused to pay it any differently. I asked for escalation to discuss with a supervisor who told me the same. After repeatedly stating that their payment method was unacceptable to me, the supervisor finally offered to allow me to handle my own escrow account for property taxes. This was never before offered as an option and took a lot of time and effort on my part to get that option offered to me. Of course I accepted that option and am now awaiting paperwork to transfer the escrow account from Dovenmuehle to me. 
I discussed this situation with my accountant who was appalled that a mortgage service agent would conduct business in this manner. He referred to their method as " holding my money hostage ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: Experian Information Solutions Inc.
State: NY
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 have been a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank that is in charge of the Discount Tire Credit Card randomly decreased my credit limit from {$900.00} to {$300.00} due to a change in my credit report. Ive had this card for almost a year now if not already and Ive never missed a payment. I just recently paid the card off completely in full and now my balance is less than {$200.00}. I didnt deserve to be decreased especially since my credit score is XXXX. I want my credit limit put back to {$900.00}

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 explanation
Consumer complaint received 2022-09-16
Company: Sequium Asset Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a senior citizen and Sequium Asset Solutions , LLC has inappropriately placed an inaccurate and unknown collection account ( account # XXXX ) I never opened on my credit reports for XXXX XXXX XXXX. I obtained my annual credit reports from XXXX, XXXX and XXXX credit reports. On my credit reports I found a collection account for a cable bill/account that I never opened. The collection account is being reported by Sequium Asset Solutions , LLC, a company located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, contact number XXXX, email address is XXXX and website address https : //pay.sequium.com. A company I am unfamiliar with because this company is located in XXXX, GA and I reside in Louisiana. I have never had any business and/or contact with Sequium Asset Solutions , LLC. This collection item just popped up on my credit reports by Sequium Asset Solutions , LLC. 

I contacted the credit reporting agencies to dispute the unknown cable account and to gather additional information regarding the unknown cable account. I was made aware by the representatives I spoke to at the credit reporting agencies that the XXXXXXXX XXXX account was opened XX/XX/2021 and linked to an address that I have never lived at. I have lived at the same address for over thirty years. As I told the representatives I spoke with at the credit reporting agencies, they have and know my address because my home mortgage is reporting to all my credit reports. 

In addition, the address I was told the XXXXXXXX XXXX  account is or was linked to has never been reported on my credit file until this year. Lastly, I have never had cable and/or opened an account for Cox XXXX  because I live in a very XXXX XXXX I have had a satellite dish for TV and Internet for over sixteen years. I have absolutely no knowledge of this account, nor did I open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried for years to get help from this company and still do not get anyone to see that this company added fees and lates even though I send by certified mail and I send certified checks. This is not correct and this company is know by the XXXX  as being bad. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Apple Pay restricted my account without any reason, contacted them to verify my identity and even after verifying my identity they told me they closed it permanently and couldnt tell me why

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EQUIFAX, INC.
State: IL
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 submitted a letter to the XXXX Credit Bureaus 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 XXXX XXXX Balance : {$4.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$110.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On or around XXXX of 2022 I requested information leading up to why information was showing up on my credit report ( s ) about alleged verified information. After reaching out to the entity to verify the bureau 's information and finding out they don't verify information because it is personal information. It brought me to this agency to correct what the bureau 's are reporting as 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 2023-01-03
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I have noticed my credit being run numerus time, I never give permission to run my information as it states on my report. these companies had run my credit more than once on the same day same inquire why? I did reach the companies which I was told do a dispute with the credit agencies. I did reach them but nothing they could do so they refer me to contact CFPB. 
XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I have a few incidents with Wells Fargo that they have taken money for overdraft fees, where I have money in my account.

One of the last times I spoke with them, They stated that you don't see your account like we do. I stated that I see my available balance is positive so there should be no charge. 

In the passed month about {$400.00} passed 3 months closer to {$1200.00} over the passed year it has been more than {$1200.00} I have a further complaint, when I opened my account with them. I opened a prepaid secured credit card and the {$500.00} that was put into that account was never put in. 

They sent me a letter saying I opened a credit card with a {$0.00} balance. 

If contacted I will gladly turn over more inforation like printed bank statements.

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 2022-07-12
Company: EQUIFAX, INC.
State: IL
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 this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation