BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-05
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Synchrony Bank Network located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Network has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2020-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Portfolio recovery Associates was challenged on the validation of a Unverifiable debt. Portfolio recovery and associates account # ( XXXX ). In XXXX of 2019 I sent the company a validation letter, asking the company to validate the debt they claim I owe, In the letter I as the company to validate the following information ; : I asked portfolio recovery and Associates to provide me with a description how's the money they say I owe ; : Provide a description of a full calculation of the debt they say I owe ; ( please see attachment for further details ) the company responded with a statement from the original creditor. According to the law statements are not clear validation or proof of ownership. 

: Provide a description of who the original creditor was, and to provide proof of last payment made ; the company has not provided or validated this information. A violation of FDCPA sec 809 : To provide me with original documents and copies of consumer contracts showing proof that agree to pay what the company claims I owe ; the company has not provided or validated this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Santander Consumer USA Holdings Inc.
State: PA
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:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
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:
XXXX 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX transferred my mortgage XX/XX/2019, to Specialized loan Servicing on XX/XX/2019, : Sls '' send a one page demand letter, stating a payment of {$1100.00}? under the Real estate Settlement Procedures Act : it state a fifth teen day grace between the old company saying goodbye and the new company saying hello? also under the same Act it states a 60 day grace period from the day XXXX XXXX sold the loan to avoid a late fee? which " Sls '' in seven days applied XXXX mortgage of {$570.00} making it the above total? today of this letter is XX/XX/2019? as a XXXX  Veteran living on XXXX $ a month income SSI getting it the third Wensday of each month? for 34 years i made my payments, im currently due XX/XX/2019 mortgage waiting on SSI check XX/XX/2019 i will send {$570.00}, not much paperwork have i received from this Company and many scammers or out there? i will call them XX/XX/XXXX Monday to speak with someone, to see why they are less than 15 days of transfer requesting next month payment? also calling the VA dept to see whats going on i only have a couple of years to pay this house off, and as a Vet thats my goal! have a Bless day 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 explanation
Consumer complaint received 2019-04-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Sapphire Preferred Credit Card under the impression that the promotional benefits were XXXX points for {$4000.00} spend in 3 months and 0 % APR for 12 Months. I got my points but didn't realize I was being charged interest until my 4th month in. I brought this up with Chase 's credit card department and they said they have never offered this promotion. I found the ad I saw before applying and brought this up. They don't maintain a record of their advertisements, according to the agents I spoke to, so it came down to their word. I feel taken advantage of in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: SUNTRUST BANKS, INC.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a letter from SunTrust mortgage that I was going to be referred for foreclosure unless I paid {$3900.00}. The last payment I made to SunTrust was on XX/XX/XXXXfor {$1000.00}. When I called to set up payments, the agent stated that I could " try '' to make payments, but there was no guarantee that SunTrust would accept these payments. I called the next day ( XX/XX/XXXX ) and asked to speak with a supervisor because I was told that my payment of {$1000.00} was held because I was past due and this payment would not be applied until I brought the account current. I asked the supervisor to apply the payment and to not hold it and he stated that he would not and that my loan paperwork stated that payments could be held until the account is current. SunTrust is not the original loan holder and I have yet to receive a copy of this signed paperwork that I have requested. I have since mailed them {$2000.00} on XX/XX/XXXX and another XXXX today, so the loan is current. SunTrust also calls excessively, sometimes up to 8 times a day and never leaves a message. All agents of suntrust continuously pushed Loan Modification on me even after multiple statements that were made by me that I would be bringing the loan current by the end of the month.

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 2023-07-07
Company: EQUIFAX, 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:
This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX & XXXX - XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: CREDIT ACCEPTANCE CORPORATION
State: RI
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
XXXX XXXX XXXX Wed, XXXX XXXX, XXXX AM ( XXXX hours ago ) to antitrust I was advised to contact you regarding the above car loan corporation. 
On XX/XX/XXXX I was diagnosed with XXXX, the Rhode Island Department XXXX XXXX placed me on a XXXX quarantine, I did not get better until the end of XX/XX/XXXX. I contacted Credit acceptance, since I owed only XXXX on my car. I paid XXXX dollars for a XXXX XXXX XXXX. 
After all was said I paid Credit Acceptance XXXX dollars, My car was repossessed on XX/XX/XXXX. I was told I had to pay XXXX too get my car back. They also added several fees that brought what I owed to {$1300.00}. I worked hard to keep the car. It was the first one I financed. They HAVE SINCE AUCTIONED MY CAR. I now have no vehicle and they are stating I owe them money. 
Due to covid I lost my job, i lost my car and i was brought to my knees. If you want the car paid for I need to work to do that. I have contacted the attorney general, the XXXX, the house XXXX XXXX, the XXXX for XXXX in Rhode Island. 

Please I need help, This was so unfair on their part. They were rude, demanding, and basically told me to bad. They are not required by law to follow any of the governments or the XXXX of Rhode Island 's laws regarding covid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX email - XXXX Credit Acceptance ( CACC ) Settles Auto-Loan Lawsuit, To Pay $ XXXX | XXXX The above link is an article from the state of Massachusetts lawsuit against XXXX, and facts like they repossess 35 % of all the vehicles they finance, I never would have used them had I known this Any advice or help you can assist me with would be greatly appreciated.

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 2023-11-15
Company: Rent Recovery Solutions
State: AL
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 at XXXXrent recovering solutions is reporting inaccurate information stating that I owe {$3000.00} to the apartment complex which is false. It is also stating that the collection was opened XX/XX/, which is inaccurate also. I am requesting that this collection be removed from my credit report if they can not give me the proof that I owe and that it was open in XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
on XX/XX/2023, someone accessed my bank accounts with Wells Fargo. they moved XXXX from my checking account to my savings account. then somehow they set themselves up using XXXX and XXXX themselves three transactions depleting my account. i immediately called the bank and filed a fraud claim. they even told me they could see that someone was trying to access my account from New Jersey at the same time I was speaking with them My daughter was listed on my account just because after my husbands XXXX 
, i wanted her to be on there in case something happened to me. she had never accessed the account as she has her own accounts with XXXX XXXX XXXX XXXX wells Fargo said there was no fraud as someone accessed my account using her info. She has had problems with her phone she thinks through a XXXX XXXX data breach. someone must have spoofed her phone. I even went to the bank and the branch person called to file another complaint she knew i was speaking the absolute truth. My daughter never took my money nor did she give access to antione else. they have never given me anyy up addresses or anything regardless, this was money i worked for and they will not help me. i have since closed my accounts with them. im now at another institution i thought my hard earned money was safe im a XXXX and work two jobs. i feel like ive been XXXX with no one to turn to. XXXX XXXX not be much to some people but its a lot to me

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 2023-10-09
Company: Experian Information Solutions Inc.
State: WA
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:
On XX/XX/2023 Experian sent me an email notification that the balance of one my accounts increased. When I logged in, I saw details that the balance on my mortgage had increased. That is incorrect. The balance on my mortgage has not increased, which I confirmed with my lender. Additionally, I checked the other credit reporting organizations- XXXX and XXXX- and neither of them showed this erroneous information. 
I logged a dispute with Experian through their online process on XX/XX/XXXX and received a notification that my dispute was resolved a few hours later. The dispute resolution a ) did not fix the error and b ) did not show that Experian had taken any action to investigate my issue.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXXXXXX 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 2020-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Beginning on XX/XX/XXXX, I filed a dispute with the credit bureaus. I later sent a letter on XX/XX/XXXX and again on XX/XX/XXXX. i requested that they do a full investigation in regards to these accounts but the incorrect and false information is still showing on my credit report. Section 611 ( a ) says that failure to investigate these items within 30 days gives reason to immediately remove these accounts from my credit report. It has been well over 60 days since I have been going back and forth with them and I feel as of my request is being ignored or overlooked. I am demanding that this accounts be deleted immediately or I will seek legal representation since these accounts are in litigation due to a workman 's comp case.

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 2023-10-19
Company: EQUIFAX, INC.
State: MD
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:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
Company: EQUIFAX, INC.
State: LA
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 had a loan with XXXX XXXX in which I defaulted on the loan. The loan was in collections & the company was in the process of obtaining a court ordered wage garnishment. I received a letter from the attorney representing XXXX XXXX with the outstanding balanced owed. Mailed them a money order for the amount requested yet they are still reporting a balance on my credit report. The balance owed was approximately {$740.00}. There should not be a balance owed on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: Experian Information Solutions Inc.
State: NV
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:
There are creditors listed on my credit report that do not belong to me. There are also addresses listed in which I have never lived at. Please remove them from my credit immediately.

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 2023-09-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my ongoing frustration and concern about the multiple attempts I have made to remove an unauthorized inquiry from my credit report. Despite my persistent efforts, this inquiry continues to affect my credit profile negatively. I am writing this letter to bring this matter to your attention and request an immediate resolution. 

I am fully aware of the importance of accurate credit reporting and how it influences my ability to access financial services and opportunities. The continued presence of this unauthorized inquiry on my credit report has caused significant financial harm, including making it difficult for me to secure credit, loans, and other financial transactions. 

I kindly request that Equifax Credit Bureau takes immediate and thorough action to investigate and remove the unauthorized inquiry by XXXX XXXX, XXXX XXXX from my credit report. Furthermore, I urge you to provide me with a written explanation detailing the steps taken to correct this inaccuracy, along with a timeline for its removal. Clarity regarding this process is essential for me to understand when the issue will be resolved.

Should this unauthorized inquiry persist on my credit report without corrective action, I may have no choice but to explore legal remedies available under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. Kindly assist me to removed this inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief