BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-12
Company: Experian Information Solutions 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:
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 XXXX 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 XXXX breach as well.

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 2019-05-02
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2019 my mortgage loan was sold and transferred from XXXX XXXX XXXX to Loancare LLC. I did not recieve a new loan number until on or about XX/XX/2019. At which time I mailed in my monthly payment because if i tried to make an online payment or a payment over the phone i would have incurred additional fees. As of XX/XX/2019 my mortgage is now being recorded by loancare llc as 30 days late. I was also told by XXXX XXXX   that for the first two months of the transaction process I would not incur any late fees. However to my frustration the first bill i got from loancare llc not only was i charged the {$18.00} late fee but an additional {$410.00}. I have tried to reach loancare via their customer service line XXXX only to repeatedly get put on hold at times for over an hour. After which i elected to have them call me back with the next available service rep. That was on XX/XX/XXXX about XXXX XXXX   and to this date i have not recieved a call 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 2023-06-26
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:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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: Spring Oaks Capital, LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have an XXXX XXXX XXXX Card from Synchrony Bank and a balance of {$96.00} which was due on the XX/XX/XXXX. At about XXXX XXXX on the morning of XX/XX/XXXX I paid off my balance IN FULL but I was still charged a {$27.00} late fee. Please make Synchrony Bank remove this {$27.00} fraudulent fee and penalize them for ripping off their customers. I complained about this fee on XXXX to my followers and got over 100 comments and XXXX so this Bank have to be known to the CFPB as notorious for these type of fees.

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 2022-03-31
Company: CBC Companies, Inc.
State: MI
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:
There are a couple of recent pulls on my credit that I did not approve. XXXX XXXX XXXX XXXX XXXX. I GAVE NO AUTHORIZATION FOR THESE PULLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct NO. XXXXXXXX XXXX  : {$1000.00} Bonus issue unresolved after Numerous Communications with your bank On XX/XX/XXXX I applied for and opened a Citi Priority account onlineIn A Few Easy Steps from your ad featuring a bonus of {$1000.00} with a deposit of {$75000.00} and on the XXXX day the account time starts for 60 days and a requirement to keep the account open for an additional 3 months. After the 60 days a reward will be applied but the account must stay opened an additional 3 months. The web site application does not contain an award code or application code, just a statement of required activities based on the deposit amount. 

I deposited {$76000.00} on XX/XX/XXXX and at any time the account never went below {$75000.00}. After numerous inquiries about the bonus a award code was entered by the citibank rep and sent for resolution which was repeatedly denied since the award code applied was incorrectly entered since there was NO BONUS code in the application just the RULES. XXXX requests were made and always denied because the code applied was incorrect. 

After numerous verbal communications with Customer Service I was unable to communicate the real problem as your web site for the award does not contain a code or award number just the application and the rules. You can try to make an application from the site to see if a code or transaction will apply to the rules and award. 

I find this process completely inexcusable and decided to terminate my account relationship as of XXXX XXXX ( 6 months of accrued interest ) with your bank as no action on your part was able to provide the satisfactory resolution and will place my {$75000.00} in a bank that will honor the rules of a new account offer. Should you wish to make good on your original offer I will revisit applying my money with your bank. 

Sincerely, 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 monetary relief
Consumer complaint received 2021-05-12
Company: T.S. Holdings
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I havent received any collection notices and I was notified of a debt from iq collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX # XXXX. 
This account has violated my rights according to FCRA rules and regulations. 
A Chargeoff means that the debt has been charged off and the company XXXX XXXX XXXX XXXX ) has used this debt as a tax write off. Which makes this taxable income. And income is not reported to a consumer report ; According to : 15 U.S Code 1681a - Definitions ; rules of constructions ( 2 ) Exclusions-Except as provided in paragraph ( 3 ), the TERM consumer report does not include- ( A ) subject to section 1681s- 3 of this Title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Secondly, when a debt is charged off. The Company that charged the debt off must send a 1099c to the consumer. XXXX XXXX XXXX, did not. This is clearly a violation of my rights.

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 2022-03-31
Company: Experian Information Solutions Inc.
State: AL
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 belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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: Synovus Bank
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I paid off my card balance in XX/XX/2023 and mailed in a request to close my account at the same time as they kept charging fees and not sending statements so I did not know I owed anything. They cashed the check and did not close my account. I have not received any statements asking for payment or any account information and they just reported a balance of over {$100.00} and a late payment to my credit report. This account was at {$0.00} when my check was cashed and account was to be closed. This account was supposed to help my vredit and their fees and not sending statements has significantly hurt my credit. I have not been able to contact them to close the account or even get a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I wasnt noticed by either XXXX XXXX  or Calvary portfolio of my account been sent to collection XXXX XXXX  closed my account sold it to third party and now they are telling me I need to speak with them but why would my account be open I have never sing a paper for my account to be open I request for this to be close immediately and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: CT
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 originally sent a complaint to Equifax in XXXX and never received a response or an updated report I am now DEMANDING Deletion of the inaccurate accounts and Metro 2 Violations you continue to report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: MONEY SOURCE, INC., THE
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have missed my XXXX mortgage payment. I have called my servicer The Money Source several times about a deferment, forbearance, or any help in becoming current. I told them I don't have XXXX 's payment but I will have the XXXX payment. I told them I receive {$800.00} in monthly social security and {$73.00} a week in unemployment. The collection agent continuously tried to force me in to selling the home to avoid foreclosure or refinance and add YEARS on to my loan amount just because I am 1 month behind. They have denied a deferment and forbearance. I need help but refinancing and/or selling my home because I had an unexpected expense this month hardly seems like working with me to resolve this issue. The Money Source refuses to actually care and help me resolve this issue. I just don't have XXXX 's payment but I will have XXXX 's payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting 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:
THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER 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 2020-01-12
Company: Americor Funding, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I signed on in XX/XX/XXXX to a debt settlement program with Americor Funding. They represented their service as negotiating very large reductions in credit card amounts owed, with fees taken out of an escrow account that also pays the creditors. They represented their average savings as 50 %. As of XX/XX/XXXX, they offered settlements with two creditors, XXXX XXXX  and XXXX XXXX, at 66.87 % and 62.41 % of the original amounts owed ( $ XXXX {$2100.00} and $ XXXX {$5400.00} ). This much was disappointing, but understandable. After calling the company to see whether they could push the numbers closer to the 50 % offer and being told they couldn't, I accepted those settlements.

HOWEVER, when I went on their website today to see the transactions over time that I had agreed to ( hidden behind a few tabs ), I noticed that the settlement fees being charged were so high as to render the service nearly pointless. Actually, worse than pointless, when the impact on my credit score and the stress of receiving threats of legal action, of obeying their advice to stop making payments to the credit card companies, are factored in. 

For the XXXX XXXX  account, the settlement fees add up to {$520.00} - for total payments, *after* settlement, of {$1900.00} related to that account. That is *91.8 % * of what I originally owed before signing up with Americor Funding. For the XXXX XXXX Account, the settlement fees add up to {$1300.00}. Added to the settlement amount of {$3300.00}, that is 87.4 % of what I owed before agreeing to Americor 's program - which again, instructed me to stop making payments I otherwise would have made a good faith effort to pay. 

The only way to figure out these total fee amounts was to go line-by-line through an out-of-the-way tab on the website and make these calculations myself. Given that the company advertises average savings of 50 % off original account balances, based on the settlement offers *alone* and not including its fees, I believe its marketing is clearly deceptive. I was okay with paying 2/3 of the original amount in the settlement rather than half, based on the company clearly stating results may vary in that regard. By contrast, it is obvious that the company is hiding the impact of its fees on the final outcome. 

This is unacceptable and wrong. Had I been aware that I'd have to go through months of stress and sub-500 credit scores for a *10-12 % * overall savings, I *never* would have signed up for the program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I graduated with my XXXX XXXX in 2007, I had intended on taking part in XXXX program. However, I was not offered any information about this even when I called many times- it was always unclear. I did not get a teaching position right away and therefore could not afford to pay these loans, so they went into deferment. When I called about this, they immediately put them into deferment instead of offering me information about income based repayment plans. I ended up learning about this from a friend years later. These smaller payments could have been made and would have counted towards my XXXX  years of payments had I known. When I did get a teaching job and found out about the IBR I needed for the program, they did not tell me I needed to consolidate my loans in the beginning. Then, when I went back for a second XXXX XXXX, without notice, my loans were ere back in in-school deferment. Again, all of these payments could have been counting towards my XXXX  years for forgiveness. Now, I am years behind because of lack of information given about programs and deferments. With the waiver in place this year to potentially make it easier to get forgiveness through the XXXX this year, Im afraid that even though I have been in public service- teaching- for XXXX years, I might miss out on this opportunity because because my loan providers were never straight forward with me on how to make this work successfully in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FCO claims I owe a debt to XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX   XXXX and was told they no longer own the property and XXXX does. I called the company and was told that it was a application that I was supposedly did online which I did not. They are also shocked it went to collections and that they no longer seeking money even if I did it! So the only people collecting the money is the collection agency when I never applied I can show verification where I was living. So this account is not mine and sorry they are collecting or trying to collect money from a debt that isnt mine

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 2019-01-02
Company: CORELOGIC INC
State: MN
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:
XX/XX/XXXX, I went into my bank to refinance my vehicle. I found out that the XXXX pulls my credit from XXXX. XXXX  has outdated information reporting to my file. In XXXX of this year, I purchased a new home. The three national credit reporting bureaus, XXXX, XXXX  and XXXX  was used. I had an issue with the XXXX XXXX XXXX XXXX posting to the bureaus. I received a letter from them to update my credit report recently. I've been checking my report regularly and don't have any collections on it. XXXX is still posting some outdated and/or inaccurate information on my credit report that is hindering me from getting an approval to refinance my vehicle at a lower interest rate. I was contacted by the bank representative noting that there is something on my account that disallow the refinance approval. I was told mainly that my home that I purchased on XX/XX/2018 is not showing up on my account. The bank representative left a message on my phone noting that something is showing up on my credit report by XXXX. This is the third time that this bank has denied me an approval for information stored on the XXXX report. XXXX  is not sending me a report so that I may dispute any inaccuracies pertained on it.

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 2023-07-04
Company: EQUIFAX, INC.
State: KY
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 recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue.

Company response to consumer: Closed with non-monetary relief