BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank is still lowering and closing accounts with balances. This is creating a major impact on my credit scores. According to the bureaus, Synchrony Bank is the primary culprit in reducing my credit scores. I have never paid them or anyone else late. They keep responding with " their right '' to periodically review scores and make changes and that they don't base it on your history with them. Yet, the only issues that affect the scores they are using to make this determination is being adversely affected by only them! Where is " my right '' to expect that my loyalty and on time payments will not result in unfair and adverse actions on the part of synchrony. If they post another generic " our rights '' reply here, we will be forwarding this to our legal counsel. We are business owners who are required to personally guarantee some of our accounts/ insurances / bonding. This situation with Synchrony and their unfair practices has had a horrible impact on our ability to do so and conduct our business '. LAST CHANCE SYNCHRONY!

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 2023-01-20
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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, 15 u.s.c 1681 section 602 A. states i have the right to privacy.

15 u.s.c 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete 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 2022-03-15
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Revenue Group to attempt to collect {$35.00} on behalf of XXXX XXXX. The debt is not owed. This is a fraudulent bill from XXXX XXXX. This organization attempted to falsify an email as a medical appointment. As a former XXXX and XXXX the organization is so cheap. Put a dollar on the ground and they will crawl a mile to pick it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I spoke with Customer support about my issues and they were never resolved.

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 2019-12-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I spoke with XXXX XXXX XXXX XXXX regarding this credit card. I verified that I never opened up this account. I have investigated this debt with the credit bureau and they did not investigate this properly. I also provided a copy of my identity theft police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: Harvard Collections, LLC
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I was alerted that a collection was placed on my account. When I took a look at it. It was an old parked account that I disputed years ago. The same company IL department of human service. Harvard collection bought the account and put it back on my credit as if I just open and not paying on the account. This account is more than ten years old. And the amount listed is wrong as well. The amount listed is {$6100.00}. I put in another dispute. I took a major hit on my credit after working on it so hard. This information is wrong and out dated. I need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I attempted to do a loan modification with wells fargo in 2013 because I was laid off from work. I was mislead and misinformed. The loan modification did not go through and I lost the home that I worked so hard to aquire and keep. Also I lost on on a {$10000.00} insurance claim. Wells Fargo kept the entire check from XXXX XXXX after I repaired the home from a leak/ flood.

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 2020-03-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
On XXXX I went to Chase bank at XXXX XXXX XXXX, to withdraw XXXX dollars. 
I was asked for my social security number which I refused to give. 
XXXX the teller was given a valid Ca.identifcation by me.He then called XXXX who also agreed that my social security number was needed. I called another branch ( XXXX XXXX ) and was given the managers name, so that I could report this negative experience, which was giving my full S.S number so that I could withdraw XXXX dollars. 
I was then in touch with XXXX XXXX on XXXX Who called me at home hours after having XXXX that same day. 
On XXXX I spoke to XXXX XXXX & explained my situation, I told him which bank I was going to this day, which was the XXXX XXXX. XXXX. 
I got to the bank around lunch time, thought I had done my business when the teller informed that my account was being closed so they wanted to do a reversal of my transaction. 
I was directed to banker XXXX I then called XXXX XXXX who wanted to talk to XXXX in a bit. 
I then asked to wait for XXXX the manager whom I have known for many years. 
XXXX then closed out my account, being totally freaked out. 
I have direct deposit & needed a check so I could pay my rent. 
I am a XXXX year old woman that did not need to have almost 5 thousand dollars on her person when leaving this bank. 
When I got home I called XXXX XXXX about what was going on he informed me that I was in an altercation at the XXXX XXXX XXXX branch. 
That is not true & why didnt XXXX XXXX inform me of this before I went to this branch, now I know why he wanted to whether I was going to XXXX XXXX branch or the XXXX XXXX XXXX. 
I am shocked at this behavior as XXXX XXXX knew about my XXXX a week ago. 
XXXX XXXX could have shown dignity as well as empathy. 
I have no qualms transferring to a new bank but not to have been sent a letter or told that my account was being closed to avoid checks being returned & my social security checks which are direct deposited This was a terrible experience & I hope no other senior faces this total lack of service &  demeaning experience I am a XXXX Year old XXXX woman & I believe the police would have been called if I was in a active altercation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
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:
My Wallet was Stolen and I had All My information social security Card '' debit cards for WELLS FARGO And MY CREDIT CARD AND I TOLD WELLS FARGO AND THEY HAVE BEEN BLAMING ME AND DIDN'T NOT REIMBURSE ME OR MY MONEY AN BY WELLS FARGO NOT TAKING CARE OF THIS SITUATION MY CREDIT SCORE WENT SERIOUSLY DOWN AN I WAS AT A XXXX CREDIT SCORE ''!! THAT HAS NOW PUT ME DOWN TO A XXXX SCORE "!! 
WELLS FARGO IS NOT A GOOD RELIABLE BANK .I HAVE BEEN WITH WELLS FARGO SINCE 2017 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 explanation
Consumer complaint received 2023-05-04
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I did a voluntary repossession due to child support obligations and the car was returned. The state suspended the registration on the vehicle due to alledged outstanding child support obligations. I do not owe this amount and the vehicle in question has since been resold to another consumer.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The XXXX XXXXXXXX XXXX application is still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX  IS ATTEMPTING TO COLLECT A DEBT FROM ME THAT DOESNT BELONG TO ME. THE ACCOUNT NUMBER IS 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 2020-03-03
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The company close the account without any letter. The account was in good standing and paid on time.

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 2023-09-13
Company: EQUIFAX, INC.
State: NY
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 CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: AR
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 am writing in response to your recent investigation. I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditor that is reporting this information on my report and because of this I am now asking you for more information regarding this particular account in question : DEPT OF ED/XXXX XXXXX Balance XXXX Opened XXXX. XXXX, 2017 - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting 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 these accounts has violated my rights. 
XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 These accounts are not accurate and please remove them . 


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't furnish a account without my written consent.

15 U.S. Code 1681 A Exclusions- ( I ) Report containing information solely as to transactions or experiences between the consumer and the person making the report Reinvestigate the completeness of every piece of information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been working on medical bills issues with Covid and now another health issue and more out of pocket expenses.. State employee credit union is playing games with me and has single me out from the rest of their members.. Ive talked with one member as the pandemic is ongoing.. In 2019 around XXXX I went to the XXXX XXXX XXXX had XXXX in XXXX bills asked for XXXX XXXX in tens XXXX  in fives and XXXX in ones. I didnt count the money.. I then handed over to a store owner.. Later that day got a call from credit union that I was giving to much money in fact I was given XXXX in fives and to turn in the transaction.. I told the credit union that the money was given to store owner .. months and yrs to follow I have received letters affecting me my mortgage ect.. I have every letter that was sent and would like help with this on going issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: TX
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$8100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first found out about this debt because a third party collector sent me a letter in the mail with no information just stating I owed lvnv funding {$1100.00} and they appreciate my {$10.00} payment in XXXX but they need me to pay the rest off. First off I never made a payment because I was completely unaware of any debt. Second I contacted the company that actually collects their debts, resurgent, because there is a collection account under lvnv funding on my credit report and I recieved an email saying they have no account for me. Yet I have a collection account on my credit from them. So they asked for an account number but I do not have one because I just found out I had anything on my credit from them but I do not know what it is even for let alone an account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: EQUIFAX, INC.
State: GA
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:
Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit. 

Account Number for Bureaus : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a 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 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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