BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-29
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being billed for an amount due that comes from an invoice that was altered after I/we signed the invoice for purchase of a sectional sofa at XXXX XXXX XXXX XXXX. XXXX # XXXX totaled {$9700.00} and seller registered in their books as {$12000.00}, and sent the difference to collections. I wrote the collection agency and disputed the {$2400.00} charge and asked for validation of the debt. I also asked them not to report this to credit bureaus since I did not recognize this debt and did not owe money to their client. Professional Adjustment Corp. SW FL Inc , went ahead and reported this debt to credit bureau XXXX Their first response to my debt validation request was a statement from their client ; no invoices or other documents. Again, I wrote requesting all supporting documents and later received all invoices. It was then that I realized the original invoice had been altered and sent them a copy of my original, signed invoice along with their altered invoice and statement reflecting incorrect amount. All correspondence was sent via certified mail. I can provide supporting documents. Store attempted to collect this amount prior to delivery and I disagreed and went personally to the store to try to find where the open balance was coming from ; no one in the stores business department had the answer, so delivery was scheduled and furniture was installed in our home. I disagreed and disputed this balance from the time I was made aware of its existence and have proof all invoices were paid entirely using my credit card. I now learn through the collection agency that the original invoice was altered after being signed and paid for and that XXXX XXXX XXXX XXXX knowingly and deliberately submitted a false, inflated invoice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: LEXISNEXIS
State: FL
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:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 
I would like to make it clear that I am aware that you can not force me to interact with you in any way without legal authority or a written agreement between us. If you continue to harm me, it will be considered harassment or even extortion, which is a criminal offense in my state of residence. Any such behavior will compel me to take appropriate legal action. Therefore, I request that you rectify any fraudulent or deceptive practices related to my current consumer credit profile history by removing any delinquent reported items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: CA
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 XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My NAME is XXXX XXXX XXXX. Please DELETE all other names as they do not belong to me. The following addresses do NOT belong to me, please delete them ASAP : 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 XXXX XXXX XXXX XXXX ; Also please delete the following inquiries that do NOT belong to me : 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 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 explanation
Consumer complaint received 2020-02-17
Company: SUNTRUST BANKS, INC.
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I refinance my VA loan with SunTrust Bank in XX/XX/2018 due to hardship with payments, as a widow, I didn't have my husband 's income anymore so I decided to refinance the loan to get a lower monthly payment. 
The financing went through and was somewhat satisfied with the results, the payments were lowered from XXXX to XXXX. 
15 months later I was informed that my mortgage had gone up due to not have enough funds in the escrow account and my choice would be to pay the escrow or the monthly payments would go up to XXXX. 
I find myself back to square one with the payments. 
I do not have the escrow amount which is a substantial amount of money for me. 
I have lost 15 years in this mortgage by refinancing for nothing. 
I have tried to contact the loan officer who I dealt with with the loan and haven't got any responses. 
I did contact the Bank and spoke with a customer service representative and got no explanation other than to pay the escrow account and that there is nothing I can do about it. 
I am not sure at this time how I will manage but would like to have some feedback if possible. 
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 2021-07-14
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX, I have contacted them directly spoke with Ms. XXXX who stated she was a Manager. I explained that this account was awarded to my ex husband during court proceeding and I sent the court documents showing that he was responsible for the account til paid in full which was enforced by XXXX County XXXX. I have disputed this many times as well as to credit bureau. Ms. XXXX informed me in XXXX of XXXX that she would remove all derogatory reporting on credit report which at that time was 4 30 days past due, she never did I called back in XXXX of XXXX after pulling report to see that she never removed and their was more 30 days. She apologized and stated she would correct. This continue til XXXX and more was reported. I contacted again spoke with Ms. XXXX who informed me that this would be addressed and removed. It was destorying my credit so I paid the account off with the understanding that it would be removed and I would handle a court order with the fact my ex was in violation. Here we are still battling this to get removed. Please assist. 

XXXX XXXX  XXXX XXXX  - I have no clue what this account is and it was written off as bad debt. I have tried to contact the 800 number of credit report and no record of me found. I have disputed on credit report as well and still there. Company has apparently sold and are of no use to me at all. This is not my account and should not be on my report. 


XXXX XXXX XXXX account was awarded to my ex during court proceeding. I have sent documentation to XXXX as well as disputed online. This is the same as XXXX. XXXX ordered him to pay the account since he was the one that used the account. I was told my XXXX XXXX XXXX negative reporting would be updated on the credit report by XXXX and here we are nothing go fixed. 

SYNCB/XXXX  - THIS IS NOT MY ACCOUNT. I do not know how someone got hold of my information but this is not mine.I have disputed with credit report and it still remains. I call the 800 number on report and the creditor is unable to indentify me yet it is reported on my credit report. This is not me or my account.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: TX
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:
Subject : Identity Theft and Request for Correction of Credit Report I am writing to inform you that I am a victim of identity theft, and I have identified several inaccuracies on my credit report that require immediate attention. I am seeking your assistance in correcting this information. 

My current address is XXXX XXXX XXXX XXXX XXXX, Texas, XXXX ], and I have never resided at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Furthermore, I have noticed several negative items on my credit report that do not belong to me. 

Enclosed with this letter, please find copies of all correspondence related to this matter, including letters previously sent to the creditors involved. I kindly request your prompt investigation into the following matters : Verification and correction of my address to XXXX XXXX XXXX XXXX XXXX, Texas, XXXX. 

Removal of all negative items on my credit report that are a result of identity theft. I have attached evidence supporting my claim, including letters sent to the respective creditors. 

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this matter. I request that you notify me of the results of your investigation and provide an updated copy of my credit report once the corrections have been made. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

Company response to consumer: In progress
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: NC
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: Was not notified of investigation status or results

Complaint:
On XX/XX/23 I sent a certified letter to this credit reporting agency disputing multiple derogatory items found on my credit report. According to my tracking information, my letter was delivered or picked up on XX/XX/23. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I should have received an update on the investigation results within 30 days beginning when my letter was delivered to them, which I have not. To date ( 30+ days ), I have not received anything from this credit reporting agency in regards to my letter, not even a reply stating they have received my letter and would be investigating the items found in my letter. In my letter I requested the following : 1 ) Update my name 2 ) current address 3 ) Remove my previous addresses 4 ) Remove employers 5 ) Delete these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor 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 explanation
Consumer complaint received 2023-01-31
Company: PENNYMAC LOAN SERVICES, LLC.
State: MO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I just received a XXXX A in the mail from PennyMac loan services. I guess they are saying i abandoned my home which is a lie. I'm currently living in my home with my family. my house has been paid off since XXXX. PennyMac was the servicer never did PennyMac loan me anything nor can they prove it. I've begged them to produce the so-called contract they have failed to provide me with this alleged contract. I don't exactly know what this XXXX a is but it seems like they are saying that they are forgiving some fake debt that doesn't exist and saying i have abandoned my property creating some kind of tax liability on me. first, they never loaned me anything second i am and will remain living in my home. 3rd my house was pained off in XXXX. PennyMac is doing some shady stuff that needs to be immediately investigated. i have an unrebutted affidavit of their fraud and attempted theft and i can and will testify under oath and have first-hand knowledge to the facts of their criminal actions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services XXXX LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. 
My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX accounts with DPT EDXXXX XXXX and XXXX. This has caused me tremendous XXXX, XXXX, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: CA
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:
Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score.

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 : A consumer reporting agency can not furnish an account without written instructions. 

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 explanation
Consumer complaint received 2021-07-14
Company: Experian Information Solutions Inc.
State: OH
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:
Ive been speaking with the 3 major credit bureaus for months. There is no way for me to be able to deal with them any longer as they arent successful obeying the law. Please note there are too many unverifiable items on my credit file that dont belong. The comprehensive credit act of XXXX  says so. See section 401. There is no contract so there is no way that these should remain on my credit file. 

XXXX - {$550.00} XXXX XXXX XXXX - {$260.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX  - {$780.00} XXXX XXXX XXXX - {$420.00} XXXX XXXX XXXX - {$700.00} INQUIRIES UnAuthorized XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-12-13
Company: Experian Information Solutions Inc.
State: CA
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased an item ( {$240.00} ) on XX/XX/2023 on XXXX which I did not receive. I paid additional ( {$14.00} ) for expedited shipping which includes signature on delivery. Items was shipped from XXXX ( I use expedited and signature on delivery generally, but specifically for all overseas deliveries ). Merchant admitted that items was shipped without the expedited shipping. Merchant did not refund either expedited shipping cost nor the cost of the item that was not delivered. Merchant 's delivery company states item was delivered, but there is no physical proof of delivery. I never took delivery of item. 

I filed a dispute and complaint with XXXX and then PayPal Credit ( Synchrony ) as that was the form of payment used. Synchrony dispute yielded a negative outcome and I am being held liable for charges.

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 2023-08-18
Company: Duncan Solutions, lnc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A collection agency emailed my sister about a toll. Exposing my information and the debt owed. I do not have a strong relationship with her and shocked that they can just casually send debts to random people without confirming identity. I highlighted the email address that it was sent to. Not my email at all and Ive never used it before.

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 2023-07-31
Company: SYNCHRONY FINANCIAL
State: MD
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:
Background information : CareCredit offered me a promotion of no interest incurred if payed in full within a specific time which would have ended XX/XX/2023. Months prior to that, I signed up for CareCredit to automatically withdraw XXXX  on every XXXX of the month. When I looked at my statement I saw that I would have to pay an additional XXXX for the month of XX/XX/XXXX in order to complete the promotional period of no interest successfully. So I paid XXXX  on the XXXX of XXXX and the automatic XXXX withdrawal that takes place on the XXXX of every month would have paid off my promotion and I would not have incurred any interest. CareCredit and their underhanded devious tricks only debit an automatic payment on the XXXX of XXXX for XXXX  to equal a XXXX  and therefore prevented me from successfully fulfilling my promotional obligation and thereby they assessed my account for XXXX  interest on XX/XX/XXXX. 

The fact that they are accessing my account for amounts I did not approve is another offense itself. Using my account for unauthorized payments is against the law. 

We all know when automatic payments are set up and payments made in addition to that has absolutely nothing to do with deducting from automatic payments. It was dirty and underhanded. I want them punished and I believe we should receive a monetary punishment from them.

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