BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-12
Company: Synovus Bank
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We obtained a construction loan from Synovus bank to build our dream house. The loan amount was {$460.00}, XXXX at an interest rate of 4.375 %, to be disbursed in progress payments. We have received {$280000.00}. The monthly payment for this amount is {$1100.00}, which we have paid faithfully. On XX/XX/22, Synovus arbitrarily raised our payment to {$2400.00}. They said that this amount includes principal and interest on the total loan amount of $ XXXX. We replied that we could not be expected to pay principal $ interest on funds that Synovus never disbursed. Furthermore, we agreed to pay the XXXX, if the total loan amount was given to us. At present, the facts are as follows : 1 ) Synovus has reported us as late, to the credit bureaus for 13 consecutive months, even though we pay the proper amount {$1100.00} monthly. 
2 ) Synovus has ruined our credit which makes it impossible to refinance this mortgage. 3 ) Synovus refuses to release the additional funds we needed to complete building our home, yet they want to force us to pay principal & interest on funds in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment.

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 2023-03-29
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Late payments of 30 days were reported to the credit agency. These dates were on XX/XX/2022, XX/XX/2022, XX/XX/2022. Payment was made to Macys credit card and account has been brought active. Currently, Macy 's account has no balance. These late payments occurred to the Covid 19 Pandemic Outbreak in New Jersey. I am asking for these late payments to be deleted from 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 2023-05-02
Company: Experian Information Solutions 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:
My research on FCRA 605 indicates that credit bureaus are required by law to remove and eliminate any items that are discovered to have been opened as a result of identity theft. Again, it looks that my credit with you has been compromised. The reported items are giving me a great deal of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following items must be taken away by XXXX XXXX : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$11000.00}.

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 non-monetary relief
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: NM
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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX  Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was discharged, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. For example, the Late Payment Account w
ith XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with XXXX was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX keeps selling a debt that does not and has not belong to me. It has been removed several times from credit bureau. They keep putting it back on my credit report as a new account and I have to dispute all over again and fight it all over again this is the 4th time they have switched collectors and added it as a new 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 2023-05-02
Company: NEW YORK COMMUNITY BANCORP INC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I closed on my primary residential FHA home loan on XX/XX/XXXX, The initial loan amount was {$190000.00}. I wire-transferred {$20000.00}, for closing costs and down-payment, on XX/XX/XXXX. 

I made substantial improvements to my home in XXXX and the appraised value increased from {$170000.00} in XXXX to {$250000.00} on XX/XX/XXXX. 

I submitted a written request to Flagstar Bank on or about XX/XX/XXXX, to have my Private Mortgage Insurance canceled on my FHA mortgage loan and received a letter dated XX/XX/XXXX, stating : " Dear XXXX XXXX XXXX XXXX : Request to Cancel Mortgage Insurance Premium We have received your request to cancel the mortgage insurance premiums ( MPI ) on the above FHA loan. We can not honor your request to cancel MIP as you are required to have MIP for the life of the loan per FHA guidelines. 

If you have any questions, please call us at ( XXXX Monday-Friday XXXX XXXX XXXX. or Saturday XXXX XXXX XXXX XXXX. 

Sincerely, PMI Department ''

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 2022-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing today because I am shock how poor attention and lack of investigation XXXX and Transunion has provided to my credit report. After reviewing my credit and the FCRA, I must bring to your attention the account below errors : XXXX Account # XXXX The first error is the last verified date Transunion is reporting XX/XX/XXXX and XXXX does not show a reporting date. 

The second error is the date of the last activity Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The third error is date open Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. 

The fourth error is the closed date Transunion is reporting XX/XX/XXXX and XXXX is not reporting a closing date. 

The fifth error is the payment status Transunion is reporting late 120 days and XXXX is reporting Unknown. 

I have sent numerous letters to these three credit bureaus and they have failed to show proof that this account was properly verified. This is also a violation of code 15 U.S.C 1681G.

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 2023-12-19
Company: Experian Information Solutions 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:
I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX  XXXX XXXX : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5700.00}.

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 2023-05-02
Company: EQUIFAX, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : FLAGSHIP CRD XXXX Balance Owed : {$32000.00}, US DEPT ED XXXX Balance Owed : {$0.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$8800.00}, US DEPT ED XXXX Balance Owed : {$3100.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed XXXX {$6000.00}, US DEPT ED XXXX Balance Owed : {$5900.00}, US DEPT ED XXXX Balance Owed : {$8300.00}, US DEPT ED XXXX Balance Owed : {$5500.00} , US DEPT ED XXXX Balance Owed : {$7800.00}, US DEPT ED XXXX Balance Owed : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: General Motors Financial Company, Inc.
State: NY
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 am writing to dispute the reporting of inaccurate late payments on my credit report. After careful review, it has come to my attention that your bureau continues to report inaccurate late payments, while other credit bureaus have successfully updated my credit report to reflect the accurate payment history. 
Account Information : GM FINANCIAL XXXX-Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I have consistently made timely payments for the mentioned account, and it is essential that my credit report accurately reflects this positive payment history. It appears that there is a discrepancy between the information reported by your bureau and that of other credit reporting agencies. 
I kindly request that you conduct a thorough investigation into the late payment information on my credit report and update it accordingly. I am aware that the Fair Credit Reporting Act ( FCRA ) mandates a prompt resolution of consumer disputes, typically within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Atlanticus Services Corporation
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:
Again, Your statement provided totally goes against the Consumer Law. I also have spoken with XXXX XXXX XXXX and they're totally clueless on whats going on with this account. These guys can not provide me with any details and was very rude and told me that I need to call you guys and hung up on me. I am requesting the phone conversation from XXXX XXXX XXXX XXXX in regards to my account. I am requesting from ASPIRE the recorded phone conversation from that day of payment of {$330.00}. AGAIN I AM REQUESTING THE PHONE CONVERSATION which was stated to me over the phone that it was being recorded. ALSO I am requesting a written consent that was signed by myself ( XXXX XXXX ) that would give you guys ( ASPIRE ) the legal right to report this. I never signed consent and never gave you guys consent. Per CRA guidelines, this is absolutely illegal and should be removed from my credit report altogether. ALSO I am requesting a copy of the contract that was sent to XXXX XXXX XXXX XXXX WITH MY ACCOUNT DETAILS, SHOWING THAT THIS ACCOUNT IS NOW WITH XXXX. I have spoken with them several times and they can not provide me with any information. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
Experian/Clarity/XXXX on XX/XX/21 has XXXX XXXX viewed under soft Inquiries in which it does not make sense nor justified to why so many in one day I have also filed a US attorney complaint to the issue as the DOJ on Experian/ Clarity/ 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 2022-12-14
Company: EQUIFAX, INC.
State: DE
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Prosper Marketplace, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I initiated a balance transfer with my XXXX credit card to transfer from my Prosper credit card to the XXXX card in XX/XX/XXXX. The transfer posted to my XXXX card XX/XX/XXXX and was advised to allow 8 days for everything to reflect on my Prosper account balance. I emailed Prosper services on XXXX to confirm that they received the balance transfer initiation from XXXX and get an estimate of when my balance would reflect the deduction. I still have not heard back from Prosper regarding my inquiry. 
Called several times to have reps say they dont have anything in their system showing a pending balance transfer. Finally call back today XX/XX/XXXX to have them say the same thing. I did not accept that response and asked more questions because now it appears I have more credit card than I actually do which in turn also results in lower credit ratings. The reps inform me that although they dont see a balance transfer request, they dont allow transferring balances to other cards. Shock to me as Ive read through my terms and conditions more than once and nothing states they dont allow balance transfers. She insisted that its showing in her terms and she cant help me any further. Prosper has many shady financial and reporting practices.

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 2023-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-08
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 received two letters From Equifax during the month of XX/XX/2020 which stated " We were unable to locate a credit file for one the following reasons, I do not have a current file, I have not applied credit recently, I have not actively used credit in the past ten years. It makes no sense and simply unacceptable when Equifax just responded to my recent dispute 2 weeks ago. This is nothing more than a simple stall tactic used by the automated data furnisher e-Oscar pacer system. Equifax has and CONTINUES to violate the Fair Credit Reporting Act Sections 605b,609, and 611.  Equifax has not provided accurate verification within the 30 day allotted time. Equifax has not issued a block after within 4 days of being notified by a consumer of the fraudulent accounts being reported due to identity theft in my identity theft report completed by the Federal Trade Commission. Equifax has a removed and account in error which was never requested to be disputed on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good evening, My name is XXXX XXXX. 
This year I was a victim of Identity Theft. 
It has put a huge strain on my life and has even led me to being evicted. 
I am trying desperately to remove all the fraudulent activities on my credit report. 
There is an account in my credit report from your company. 
I did not open this account and I have not used any goods connected to this account. 
This account is a direct result of IDENTITY THEFT. 
I ask you to please remove this account from my credit report and do a thorough investigation. 
I have been dealing with this for months and I just want this to be over. 
I have attached a PDF with all documents proving my identity. 
Please help. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/23 I received an email from Chase bank asking to confirm a purchase that was fraudulent. When I selected " no '', Chase informed me they would send me a new card. Minutes later I received another text stating a purchase was declined and I texted back " no '' meaning I did not approve. I immediately received a call from what showed as Chase Bank and contained their number on my phone. The man on the line said my account information was stolen and an ATM withdrawal was made. He informed me of all of my information including banking PIN. He said a XXXX payment was also blocked and I needed to resend the payment to XXXX to reverse it. After several minutes of hesitation he stated more of my account info and i mistakenly sent the XXXX payment thinking this was Chase. When I called back later to ask, Chase had no record or knowledge of it. They performed an investigation and said it was my fault for being scammed and I would not receive the {$5000.00} back from the XXXX. They refunded the ATM withdrawal but said the investigation was closed. No mention of me being able to track or file charges against the person that did this. They continued to tell me " Chase will never call you '' and that there was nothing they could do since I authorized the payment. However, my information was stolen and the scammer knew when Chase had reached out to me.

Company response to consumer: Closed with explanation