BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On multiple occasions I have notified these three ( 3 ) creditors of the severe impact of the COVID-19 pandemic on my XXXX dating back to XX/XX/2020 and have asked for COVID- related assistance without success. Presently all three are reporting negative credit entries on my credit report which is preventing my business from accessing new credit in an effort to get my business back on track XXXX purchasing business equipment, rehiring employees XXXX. I have not received federal stimulus funding and can not get the status of my SBA disaster loan funding application. 

( 1 ) XXXX XXXX XXXX XXXX - XXXX ; ( 2 ) Synchrony Bank - XXXX XXXX XXXX XXXX and ( 3 ) XXXX XXXX XXXX - # XXXX which was charged off without my knowledge.

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 2021-01-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have corresponded with the banking institution and it is going on 2 years with no resolution. I have complied with the requests and documentation. Banking institution refuses to provide my account with the credit while they investigate the fraudulent activity. I have phone records and USPS certified mail receipt of the documents being delivered. USPS Certified Mail Receipt No. XXXX XXXX XXXX XXXX XXXX. Email also provided on XX/XX/2020 with the documents requested as well. The incident number they provided for reference is : XXXX. The banking institution customer service and " supervisors '' allege that the check was cashed by XXXX  XXXX XXXX, the intended payee of the check does not utilize XXXX XXXX XXXX to endorse any payments that I have made to them for 2 years. The checks that are attached for reference does not reflect the checks as endorsed, but instead is blank. The intended payee has stated to me this has NEVER been received and continues to bill me for these monies.

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 2022-04-26
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: 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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX BANK NA Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
-XXXX XXXX XXXX  Account # XXXX, has violated my rights. 






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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have private loans as a cosigner with Navient. I am retired and they make me pay {$400.00} a month barely able to make it and now they want to raise my payment by {$200.00}. I have tried to come to a deal with them but every time I send papers and call them with my proof I have, they tell me they never received my papers by fax. I get multiple letters threatening me if I do n't pay and multiple phone calls by them. I have tried talking to them over and over and nothing helps. As for my daughter they did the same to her always saying they never got the papers we sent to try and get into the income based repayment program even telling us we failed to get in because we did not submit the paperwork on time even though we had fax papers proving we did. This was after multiple times they only offered my daughter the ability of forbearance and not income based which we later found out about. They also threatened me for XXXX of my loans if I did not pay they would put a lien on my house and they told me to pay using certain credit cards I had. Info I never gave them access to. They forced me to pay {$5000.00} and I would be fine. Then I get a call I have to pay {$300.00} for another loan even though I was told once I paid the XXXX I would be ok only to find out that it only applied to that loan. On top of that as we went through this whole ordeal the loan doubled and tripled from its original amount and its ridiculous you ca n't find someone to work with and the deal for XXXX is only for 15 months then for my XXXX other loans I got a letter stating that I agreed to a three pay forbearance option which I never agreed to that part and never even heard of a three pay forbearance program before till I got a letter stating the deal for the XXXX that I had to constantly call in order to receive the letter as proof I did pay the XXXX. It is not justified that the loans are increasing based on navient not cooperating with me and my daughter. The loans now cost more then my house. I want a resolution in which my loan balance is what it should be and not triple what it is now when I have done everything to work with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions..

15 USC 1668B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-05
Company: M&T BANK CORPORATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello, The past four ( 4 ) years I have been making pre-payments on property taxes so that my mortgage payment won't increase. 

Please see attached pdf files where I have been communicating with M & T Bank this year that I made a pre-payment of {$1300.00} and to only pay {$1400.00} from Escrow. 

My mortgage payment should not be increasing. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Someone was using my account for checks and it was me my checks was stolen when my house got broken into

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Online systems always down. Atm.machines don't work. Transfers delayed. Deposits made to wring acct. Savings and a credit card opened without approval

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 2020-12-31
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
I have sent 3 separate letters each to XXXX, Experian and XXXX on XX/XX/2020, XX/XX/2020 and today XX/XX/2020 about inaccurate and unverifiable collection accounts and student loans on my credit report. It has been over 6 months and I have not received a single response from anyone. I feel like my dispute letters are being ignored, that they do not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been way over 30 days these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2023-01-23
Company: EQUIFAX, INC.
State: GA
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: CA
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:
This is XXXX of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX ( Original Creditor : XXXX AT T ) XXXX. Please delete these accounts ASAP.

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 2018-10-15
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
NCB Management Service XXXX XXXX XXXX XXXX, PA XXXX According to the Secretary of State Debt Collector Search website, this company does not have an active Texas bonding company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Monarch Recovery Holdings, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I sent a certified letter to Monarch Recovery Management , Inc I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. # 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: HI
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:
My credit report is showing late payments to XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: NJ LENDERS CORP
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have request NJ Lenders to respond with a copy of where the {$130000.00} went and who deposited the {$130000.00} that I have been PAYING BACK FOR OVER 8 YEARS. NJ Lenders own Note and Mortgage documents state that I received the {$130000.00} loan. I have not received the loan was not used to pay off my existing mortgage because both NJ Lenders and XXXX XXXX XXXX XXXX have no record of money changing hands. The mortgage stamped " Cancelled of Record '' does NOT indicate that the mortgage was SATISFIED and there is NO RELEASE OF LIEN, NO DISCHARGE OF TITLE AND NO ONE WHO WILL BUY A $ XXXX+ HOUSE THAT DOES NOT HAVE TITLE INSURANCE. This should not be a problem for NJ Lenders to send the proof of payment. 
Please request NJ Lenders to reply with the proof of where the {$130000.00} went. I have my monthly mortgage payments for over 8 YEARS and have made monthly mortgage payments and PAID BACK to NJ Lenders and NJ Lenders will not confirm who deposited the {$130000.00} payment. Please review the attachment that shows the cancelled checks from the original purchase and the first 10 % deposit along with the closing costs. Another problem has surface because EIGHT different Mortgage Identification Numbers appear when XXXX XXXX XXXX, XXXX XXXX is looked up on XXXX XXXX FOUR OF THE MIN 's are ACTIVE. The XXXX XXXX MIN on the bottom of the page has NJ Lenders XXXX  ID of XXXX but is listed as XXXX XXXX  this came up on the report as FALSE. I entered the MIN and XXXX Loan numbers of the form because the documents that were filed BLACKED OUT the information in an apparent attempt to conceal the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reporting accounts as unconfirmed information is unacceptable without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or correct them in my file right away. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-25
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX requested that Equifax investigate a company on my credit report. XXXX XXXX. I have no knowledge of this account and i have sent certified letter to the company and eqifax and neither company have sent me proof that this company or validated this was my depth. XXXX XXXX signed for the letter so i know they received it. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
on XX/XX/. someone tried to apply for a credit card under my name. I am in the process of buying a home I never would have done this. I called XXXX and they immediately told me they denied this due to it being suspicious activity and that they would inform Transunion and XXXX. I told XXXX. XXXX reacted immediately and erased it from my credit profile. Transunion refused even after I sent them the letter and inquiry dispute just like they requested me to do.

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