BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: Synovus Bank
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to the Synovus Bank located on XXXX XXXX in XXXXXXXX XXXX  I had an XXXX XXXX so I decided to deposit it into my checking account at Synovus. I put my debit card in, and then the XXXX Then, the ATM crashed. The screen said " system failure '' or something like that and then it restarted on its own. I never got my card back or the XXXX back. I immediately called Synovus customer service and was given a temporary credit of a XXXX  Now, I log onto my account and see that the credit was reversed. After they stole my XXXX  I am beyond shocked and disappointed. I am just glad it wasn't a large amount of money. I just want them to make it right by giving me my XXXX  back. Otherwise, they are thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans union has been soliciting my information via whats called XXXX XXXX to damages on my credit 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 2023-04-21
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: Was not notified of investigation status or results

Complaint:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct.

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 2020-02-18
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX SELF-REPORTED XXXX XXXX {$690.00} XXXX  XXXX XXXX {$250.00} XXXX  XXXX {$130.00} XXXX XXXX {$60.00} XXXX XXXX {$73.00} XXXX  XXXX {$89.00} XXXX XXXX {$88.00} XXXX  XXXX {$120.00} XXXX XXXX {$240.00} XXXX   XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX XXXX XXXX {$680.00} XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$790.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion is reporting a fraudulent XXXX XXXX XXXXXXXX account on my credit file. I have submitted a FTC FORM to Transunion and to XXXX XXXX XXXX. Transunion is still reporting incorrect information on my credit file. Please assist me in getting this account removed.

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 2021-05-08
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
LL Bean Mastercard -a Citi company I have had this card for over a decade, it switched from Visa to Mastercard and from XXXX XXXX to Citi . I pay my balance in full EVERY month with a little extra. Recently, the balance that they have told in me is the the " true balance '' and so for the last 2 months, I have been charged interest on unpaid balances. When I called, them, they were unable to explain why the balance I am told in the " paperless '' statements is not the true balance and that I am being charged interest because I don't pay the true balance. I would assume that the electronic balance should be the same as it is on a paper statement and to be true and accurate. If I pay it in full, then there should not be any interest. I do not feel this has been the case and I do feel that this is probably happening to other people.

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 2023-04-21
Company: Experian Information Solutions Inc.
State: NV
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 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 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ;

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 2023-04-21
Company: Cedars Business Services, LLC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX. XXXX I made a purchase with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Settled The amount has been successfully transferred, and the payment is complete. {$36.00} I received a letter from Cedars Business Services , LLC on XX/XX/XXXX claiming that I owed a balance of {$36.00} that had been sent to collection. After speaking with a rude representative from Cedars Business Services, I called XXXX and spoke with a representative named XXXX. She informed me that she did not understand why the account was sent to collection and suggested that it must have been a glitch in the system that resulted in it all. However, the bill being sent to collection is still liable to ruin my Credit Report and payment history. This is unacceptable and has the potential to severely damage my Credit Report should this error not be fixed and resolved appropriately. My livelihood is not something that I am willing to gamble on. Failure to correct this matter has the undoubtable potential to ruin my livelihood, my Credit Report and ultimately my life and my family 's. I will be forced to resolve this matter in court should. Attached is the collection notice from Cedar Business Services LLc and proof that the account was paid in full with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Finance of America Holdings LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We closed on our loan with Finance of America in XXXX. Our first payment was due XXXX XXXX On XX/XX/XXXX, we decided to make a principal curtailment payment in the amount of {$1400.00}. Before making the payment, I called Finance of America to make sure the account was set up and ready to accept the payment. I offered to pay over the phone through a representative to avoid any mis-allocations of the funds. The customer service representative informed me that if I did that she would charge me a fee. Therefore, I requested that notes be made in the account stating that I would be sending in a principal curtailment payment electronically. The same day, XX/XX/XXXX, I made an electronic payment on which I indicated that the funds were for principal curtailment. 

Finance of America processed the funds on XX/XX/XXXX. In spite of my best efforts at communication, part of the funds were applied to XXXX 's payment instead of reducing the principle as requested. I received a statement stating that no payment was due until XXXX. I was surprised. On XX/XX/XXXX, I called Finance of America and requested the funds be allocated according to my wishes. Please recall no payment was due until XXXX first. This time the representative informed me that until I made XXXX 's payment, they could not make a principle curtailment payment. I made a second payment on XX/XX/XXXX in order for them to process said principal curtailment. A ticket was created and sent to the 'appropriate ' department. 

I followed up with Finance of America on XX/XX/XXXX or XXXX to see if the issue was resolved. I was informed that they would be completing the ticket on XX/XX/XXXX. 
Today, XXXX XXXX I received a statement from Finance of America stating that no payment was due until XXXX XXXX. Thus indicating that all my attempts at having funds allocated appropriately were in vain. I tried to call customer service and requested to speak with a manager, before the transfer, I requested that if the call dropped to please call me back. I also contacted our loan officer, who is trying to be very helpful and gave us the information needed to contact you. As of this writing, no-one from Finance of America customer service nor the servicing department has called me back. 

We are not happy with how they have handled a new customer!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS BXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, AND WHT TAT MEANS IS SOME ONE STOLE MY INFORMATION AND PRETENDED TO BE AND OBTAINED A LOAN THAT IS NOT MINE. NOT ONLY MY CREDIT WAS STOLEN, ALSO MY EMAIL, OUR MAIL BOX AND BANK ACCOUNTS. NUMEROUS TIMES I HAVE REACHED OUT TO CREDITORS AND WITH PROOF THEY WERE ABLE TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. BUT THIS ATTORNEY KEEPS SENDING ME LETTERS AND REQUESTING TO SETTLE SOMETHING THAT IS NOT MINE. I DON'T UNDERSTAND IF THE CREDITOR HAS ALL MY DOCUMENTS OF PROOF THAT THIS ACCOUNT WAS FRAUDULENT WHY IS THIS ATTORNEY ASKING FOR MONEY. 
AT THIS POINT I BELIEVE THIS IS A SCAM AND THE ATTORNEY IS TRYING TO COLLECT MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I noticed that I had a collections account pop up on my report. I was confused as to where it came from. About a week or so later, I get a letter from Credit Collection Services stating I owe XXXX. I called and spoke with XXXX XXXX and I requested validation, wet ink signatures on contract obligating me to any debt and the agreement that I have with the company to pay them as I had never heard of them prior to seeing them on my report. Informed him that that was identity theft and I needed all credit reporting to cease and desist and I needed all information requested to be sent to my address. I received another letter in the mail but it only had the final balance

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently noticed fraud on my credit reports. Ive had fraudulent activity on my personal and business credit reports. I believe its from a stolen laptop and a break-in to my van. Ive already contacted some of the creditors and told them I never applied for their card or their account. Ive also contact the State of Florida to explain the person trying to purchase a home and cars in my business name does not work for me nor have I ever heard of them. I was told by the authorities this is a common practice from thieves to steal identity from older businesses. Please delete these fraudulent names, inquiries, addresses and accounts from my credit reports listed on the attached FTC Report. 

Also XX/XX/2022 I also noticed a new inquiry on my Equifax report for a RV company XXXX XXXX. I have no place, no need or room for a RV. I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased Equifax lock feature to ensure this stops. So no need for a fraud alert.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I can't remember the last time I made a payment on my Synchrony Financial Credit Card which was XXXX and Paypal because I am on XXXX I only make {$780.00} a month and I can not afford to make payments on that credit card. I would like them to forgive my loan.

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 2023-01-08
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: Personal information incorrect

Complaint:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Union Home Mortgage Corp
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX as I was checking my credit report, my score went down from XXXX to XXXX. 
There are XXXX credit reports for the exact same promissory note for the one and only mortgage of a Home that I own. 

Union Home Mortgage failed to let me know that they transferred the note in XXXX of XXXX and continued to collect payment ( not closing the account ) and XXXX XXXX XXXX failed to give me notice that they are the new Lenders. 

I have yet to receive valid documentation to prove that XXXX ) XXXX XXXX hasn't provided valid documents that the loan was transferred via title company and XXXX ) Union Home Mortgage can't find the paperwork if it was transferred. 

Basically, I have XXXX perfect credit history from XXXX Mortgage Company and the other Mortgage company has said they are referring it to a foreclosure attorney.

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 2018-10-09
Company: EQUIFAX, INC.
State: TX
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:
This account was previously deleted from my credit report, However it was never actually removed. The account is still appearing on my reports as a negative item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
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 am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief