BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-07
Company: SYNCHRONY FINANCIAL
State: OH
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:
Synchrony Bank closed EVERY single account i had with them XXXX XXXX XXXX accounts. Synchrony stated i was a high credit risk even though I have perfect credit with them. as a matter of fact synchrony owed me money. My credit and score are perfect. The XXXX laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The XXXX  XXXX XXXX XXXX administers compliance with this law. THIS LAW HAS BEEN BROKEN. Synchrony had no right to close my accounts. THEY CLOSED EVERY ACCOUNT NOT JUST ONE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/1967

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 2017-05-05
Company: CITIBANK, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Citimortgage Loan  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , OH  XXXX  I lost my job in  XXXX  and fell behind on payments. I immediately reached out to Citi after the first month to let them know what had happened and to ask what I can do to stave off foreclosure or late fees that rack up etc. Any help at all. I was told that I could n't even talk about anything until at least  XXXX  months behind. Counter intuitive in my opinion.     I waited the  XXXX  months as instructed and reached out again. I was told at that time the house would go in to foreclosure. So, as I stated, I tried a month out to make arrangements and then they said foreclosure would start. I was not offered anything on the spot, rather I was told to send in paperwork and a package was mailed to me to fill out and include tax returns, pay stubs, letter of hardship, etc.     The first package was faxed to  XXXX   XXXX  on  XXXX / XXXX / XXXX , then again  XXXX / XXXX / XXXX  and again  XXXX / XXXX / XXXX . I was never in contact with her again, and emailed her each time I faxed for confirmation and was never spoken to again. I got nothing else in the mail and was ignored.     The second contact was initiated again by me, I emailed and then spoke on the phone to a  XXXX   XXXX  and he set up a conference call, which I had to cancel due to getting an interview for a job. I attempted to contact him  XXXX  more times and we never spoke. I never heard from him again. Dates :   XXXX   sent another packet of paperwork.     The third contact, again initiated by myself was to a  XXXX   XXXX  who I spoke to on the phone after calling on  XX/XX/XXXX  we also had an email exchange   XXXX   and  XX/XX/XXXX . Got no other reply, no request for paperwork, no offer for assistance at all.     A year went by and the amount hit my credit report as a write off on   XXXX   XXXX   XXXX  , still no paperwork concerning foreclosure and to this date the house is in my name, accruing taxes in my name and I do not have any deed or any other documents. I have left the area to find employment and now work in NC, however the house is vacant and I am highly concerned about squatters looters and vandals. I have no information whatsoever in order to tell the city about what is happening after they have called me looking for answers.     I reached out again to  XXXX   XXXX  on  XX/XX/XXXX  and  XX/XX/XXXX  via email after getting her on the phone and I never heard from her again.     This has been excruciatingly painful and has damaged my credit to an extreme amount. I have reached out time and time again and have been ignored. I need answers and help here. I feel completely wronged by Citimortgage.

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 2023-04-03
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
This account never included in bankruptcy. Payments never late. Payments are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XX/XX/XXXX I filled out a loan agreement and added three stipulations to the agreement. I asked the student pay interest while attending school. I asked to be notified if the loan does not get paid and I asked the loan be denied if the terms were not agreed to by all parties. XXXX XXXX XXXX manipulated the documentation and removed all three stipulations. They then pushed the loan through and sold it off to NCT. My signature is not on the promissory note and I did not agree to the loan. In XX/XX/XXXX XXXX was the depositor on the note and they filed chapter XXXX. A large number of loans were dissolved as a result of that action. I am currently asking American Education Services for Proof my signature is on the documentation they have, for evidence the National Collegiate Trust has authority of the loan in the form of the loan location or batch number example:XXXX or XXXX, and validation the loan was not dissolved as a result of XXXX going out of business. I have been talking with AES over the past 11 years about this matter. I did provide a completed Fraud packet but they sent it back to delay the results of the investigation. They now request a new fraud packet for the purposes of obtaining my current contact information. I have one negative mark on my credit and that is AES. I pay all valid bills on time and pay off all debt I sign for but I will not pay extortion to a scam operation that will not take the time to validate the evidence they hold. I will not continue to allow them to effect my credit when I made them aware of the fraud 11 years ago. I have spent wel over 2000 hours on the phone and sent 100s of letters and emails trying to get this matter resolved. I have contacted two state governors and three IGs. I have written the current president asking for help. I have gone on social media to let others know of my circumstances and I am waiting for results. This is my seventh complaint about this company with the CFPB. Can you please look into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Experian Information Solutions 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:
I am writing the delete the following information in my file. The items I need deleted are listed in my report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal trade commission 's identity theft affidavit. Please delete the items as soon as possible this is really affecting my credit report which is stopping me from many opportunities. Also this will be my third time submitting these documents.

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 2023-03-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Invested money through my citizens account that should have been recognized as a scam by them. Also had my account hacked and had money stolen directly and through a counterfeit check without my knowledge or approval. 
For more details, please see attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Hello, This is a continuation of case # XXXX. After the case was resolved and closed. The store issued a " misc adjustment '' charge for {$1200.00}. I have not made any purchases or used this card since my last complaint that was filed. I tried to call Lowe 's credit services and speak to " XXXX '' at XXXX am on XX/XX/2022. But he decided to hang up on me. The fact remains that this card was ONLY opened and used in an attempt to purchase an XXXX range and XXXX dishwasher. Neither of which we're ever delivered. This card has never been used otherwise. I have proof that I purchased the same units from XXXX directly with delivery confirmation from XXXX. I have no delivery confimations from XXXX  as all items were canceled before delivery due to massive mistakes at a store level that prompted me just to cancel and order elsewhere. Nor did I ever receive my two payments i made while I was trying to sort this all out. Ask XXXXXXXX XXXX to show proof of delivery on these items to my address. You won't find any. LasXXXX XXXX statement and proof of purchase/delivery from XXXX attached XXXX Thank you.

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 2023-09-21
Company: Genesis FS Card Services, Inc.
State: WI
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 REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS 15 U.SC181 SECTION 602. I HAVE THE RIGHTS TO PRIVACY 15 USC 1861SECTION 604A SECTION 2 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCONT WITHOUT WRITTEN INSTRUCTION 15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENT ON OPEN CREDIT CARD ACCOUNT AS LATEON CONSUMER CREDIT PLAN ON ANY PURPOSE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number.      XXXX   Law Dictionary ,  XXXX  Edition,   XXXX  , defines Verify a s, 1  ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate . '' 2 ) To confir m or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.     What this means is that your company must be willing and able to produce a document in your files that proves the accou nt ( s )   in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have  1st hand   knowledge of the alleged account  ( s ) and  all that has ever transpired for the alleged acco unt ( s ), u nder oath and under the penalty of perjury. As I am sure that you are well aware, current  Federal  case law states th at, Consumer Reporting Agencies   bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by  1681 ( a ) ( 4 ).      You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Sectio n 611 ( 5 )  ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

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 2023-08-04
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and remove them immediately in my report : 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 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX   XXXX  did n't replying in a timely manner to my initial letterS or have they to date after certified mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that they may be liable for your willful non-compliance, as per FDCPA  807. False or misleading representations [ 15 USC 1962e  ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other act ion ( or in-action ) on their behalf has resulted in CURRENTLY FILING a small claims action agai nst their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am filing lawsuit against  XXXX ,  XXXX  & TransUnion for not investigating nor responding to me as well, and taking no action when  XXXX   XXXX  did not reply.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: MD
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 unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022

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 2017-05-05
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BC SERVICES has, by mistake, put the utility debt of another tenant on my account increasing my balance from {$420.00} to {$2500.00}. As of  XXXX / XXXX / XXXX  I have had a past due balance with   XXXX   XXXX   XXXX    Utility Division for  account number  XXXX  in the /amount of  XXXX .  BC Services bega n collections shortly thereafter ; see attached invoice dated  XXXX / XXXX / XXXX  in the amount of {$360.00}. I moved to  XXXX  in  XXXX   XXXX , I did not have the ability to pay the past due balance and my utilities where managed by  XXXX   XXXX  until  XXXX  of  XXXX .   BC SERVICES has, by mistake, allocated the utility debt of another consumer on my account increasing my balance due from {$420.00} to {$2500.00}. I have provided documentation of my account history t o BC Services  XXXX   XXXX  via fax. I have requested a verification of the information from the original creditor . BC Services forwarde d an account ledger from   XXXX   XXXX   XXXX   with the correct balance due of {$360.00}. However  BC Services is still  attempting to collect a balance of {$2500.00} from 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 2017-05-05
Company: EQUIFAX, INC.
State: AZ
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 fraudulent inquiries appeared on my report without my permission  1 .   XXXX   XXXX    XX/XX/XXXX   2.    XXXX   XXXX     XX/XX/XXXX  3.   XXXX   XXXX   XXXX    XX/XX/XXXX   4.      XXXX    XX/XX/XXXX  5.   XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX .   XXXX   XXXX    XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Possible Financial Inc
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have no idea what this Possible Financial company is that is reporting a negative balance on my report. I have never signed up for a loan in person or online with this company. I have tried to ask for complete verification of this debt, but to no avail. As a requirement of the Credit Bureau and the CFPB debt validation requirement, please detail your firms process of verification and validation for each disputed credit item, and remember, I am following all regulatory rules. See attached formal dispute and complaint.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
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: Personal information incorrect

Complaint:
after pulling my experian credit report I seen there are XXXX names and XXXX addresses so I file a dispute online and over phone it has been working on this sine XX/XX/XXXX and the information is still appearing on my credit report online XX/XX/XXXX and XX/XX/XXXX called on the XX/XX/XXXX and XX/XX/XXXX and error are still appearing 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 2017-05-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On  XXXX   XXXX  I registered a Best Buy Credit Card to purchase a {$1000.00} TV with 6 months no interest. I later purchased another TV in  XXXX  for {$600.00} on the same card.     I had been making payments every month since  XXXX  and continue to this day  XXXX   XXXX   XXXX  ). I never gave it too much thought but finally iwondered why the balance never lowered. After 10 years of paying at least the monthly minimum I still owed {$1600.00}. I looked into my bill statements when I noticed I was paying something called " debt protection. '' This debt protection service would amount to  XXXX  dollars a month. I had apparently been paying this fee for all 10 years and had no idea what this was or why it was on my statements.     Mid  XXXX   XXXX , I calle d Citibank ( whi ch had taken ove n   XXXX   when I signed up for the card ) and told them my con cern. They put in a request to refund me the money I paid into the debt protection service which amounted to about $  XXXX  as what they told me. A couple weeks later I received a letter from Best Buy stating " any previous billed fees are valid and non-refundable. '' They denied the attempt of a refund but did opt me out of the debt protection service.     I have since call ed Citibank and B est Buy hoping to get clarification in the matter. They have not given a proper answer or direct contact letting me know why the refund was rejected or why this was added onto my statements for 10 years. After doing more research into  Citibank  and  XXXX , it appears there was some fraudulent activities occurring as they were participating in unfair deceptive credit card practices- latching on add-ons to your bill without making the consumer aware.     I had no idea what this debt protection was or why I was enrolled in it. I 'm still not sure what it even offered or why it was included when signing up for a Best Buy credit card.

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