BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I submitted a dispute to equifax for fraudulent {$95.00} derogatory mark from XXXX XXXX XXXX XX/XX/XXXX Spoke with XXXX via live chat to the status of that dispute. Was told to contact Customer Services Team XXXX XXXX to XXXX in my time zone. 
XX/XX/XXXX Sent another Inquiry to XXXXXXXXXXXX as to the status of my dispute XX/XX/XXXX received email from Customer Care telling me to contact Consumer Services team XXXX I then called that number and spoke with XXXX. A horrible XXXX on wheels ( sorry, but she is ). Told me it had been verified and belonged to me. I told her that was impossible. As I had called the " original creditor XXXX '' and they could find no record of this debt. 
XX/XX/XXXX Equifax sent me a letter stating the requested the reporting company verify the accuracy of the information that I disputed. 
XX/XX/XXXX Called Equifax, waited on hold for nearly an hour. When a horrible XXXX ( sorry seems to be typical employee ) said " WHAT DO YOU WANT? '' And when I did n't answer her immediately she hung up on me. 
XX/XX/XXXX I then called XXXX XXXX XXXX and spoke with XXXX. I told him I have no {$95.00} debt with XXXX and filed a dispute. XXXX said they would contact XXXX and I would have results in 2 weeks.

This derogatory mark is still on my EQUIFAX report. It says it is disputed by consumer, pending and I should have the results soon.

Honestly. 7 months is ridiculous. WAY past the 30 day mark. 

Is EQUIFAX receiving " kickbacks '' for " questionable '' ethics? PLEASE demand they conduct themselves in the same standard as XXXX XXXX or excuse themselves from credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Winklevoss Exchange LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Gemini trust company the cryptocurrency exchange froze my account with ~ {$3100.00} in crypto currency funds. An unauthorized ACH withdrawal from my bank which I conveyed to my bank last month was the reason they stated for my account being frozen. Despite my multiple attempts to contact and email I only get canned automatic responses and no real help. I am at loss and cant afford to lose this sum of money. I have ready similar complaints and they can remain inaccessible for months and I am in desperate need of some real help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today, I got a phone call from " Unknown '' contact number obviously hiding the caller. I picked up the phone and one man was repeating my name. As the caller was blocked I presumed it may be a scam so I asked him who I am speaking to. Then he responded with his name from XXXX XXXX planning on law suit for the credit debt from Lowe's-here, he indirectly confirmed that the company is not the original creditor and tried to make an attempt to threaten me with legal actions. 

Lowe 's the well-known corp has a credit line opened with Syncrony Bank which often work for many other corps for the credit line platform, so I tried to access my online account but I failed to log in. It almost seemed to me they closed the access entirely. So I called to Syncrony and asked them why the credit debt balance was sold/transferred to the 3rd party collection company when I already requested the suspension of the payment for Covid-19. And the representative couldn't respond to any of the questions regarding the matter. 

Not to mention being blocked from my own information, Syncrony Bank didn't even inform me prior to the sudden closure of my accounts. Then this almost fraudulent action made by them, did lead to this unpleasant and threatening phone call that I received from XXXX XXXX. As per the information provided by Syncrony, the XXXX XXXX took over the debt on XXXX of this year which is still during the pandemic.

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 2020-10-20
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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-09-17
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2020, my wife & I wrote a check to Ashley Furniture for {$8600.00} to hold the " labor day '' sale price of the new furniture until we returned. XXXX XXXX promised that the check would be returned to us once we came back after after our house closing. At that time, we did not want to apply for additional credit since we did not want our credit scores to be affected before we closed on our new home. When we returned on XX/XX/2020 to collect our check, to revise our previous purchase, and to apply for credit, we discovered that the check had already been cashed. It took us from XX/XX/XXXX to XX/XX/XXXX of 2020 to get our check back after numerous calls, texts and visits to the store. XXXX had previously told us that the check would be returned within 7-10 days. Prior to receiving the check, we lost confidence in XXXX, since he was no longer answering our calls or our text messages. We began dealing with XXXX ( XXXX ) XXXX. He printed us the final order tickets that had been sent to Synchrony Bank which consisted of one for {$8500.00} and the other for {$300.00}. The ticket for {$8500.00} included two unauthorized items that XXXX had left on the orders for a total of {$630.00}. On XX/XX/2020, XXXX made the adjustments of {$350.00} through order ticket # XXXX but he did not credit the remaining {$250.00} plus {$20.00} ( taxes ) = {$270.00}. His assistant ( XXXX? ) advised us that she would apply a credit to our Ashley credit card that we still had not received. On XX/XX/2020, I called the furniture store to follow-up with XXXX but he was not available. I then sent a text to XXXX to tell XXXX that we wanted the credit for the {$250.00} plus taxes through an order ticket, not through the credit card. By then, we had decided not to do future business with Ashely Furniture Stores. On XX/XX/2020, I texted XXXX to follow up with credits. He never bothered to respond. Meanwhile, we kept looking at the monthly statements from Synchrony Bank for those credits. As of today, XX/XX/2020, those credits have never been applied. When we called Synchrony Bank, we were told that we needed to discuss the credits with Ashley Furniture Store,  that they only dealt with the financing. On XX/XX/2020, we sent a certified letter with attachments to XXXX XXXX in hope that the problem could be rectified. The letter was received and signed on XX/XX/2020. As of today, XX/XX/2020, we have not heard a word. We are not sure how Synchrony Bank and Ashley are affiliated, but neither one is taking responsibility.

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 2021-02-18
Company: EQUIFAX, INC.
State: MO
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:
On XX/XX/XXXX I mailed off letter to Equifax, XXXX, and XXXX  about so many inaccuracies/errors throughout my entire credit report. So many inconsistent and inaccurate accounts and violations under the FCRA. I don't know which company is correct or inaccurate but I do know its too many inaccuracies and errors and the credit report should be 100 % accurate. I have not received a response yet at all Also, on XX/XX/XXXX I sent letter XXXX  and Equifax about the XXXX XXXX on my report and both are violating my XXXX Rights with these reporting. The bureaus need to be held responsible for the violations and inconsistent reporting. 

I have mailed a Demand to Comply Letter on XX/XX/XXXX for the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
I called to do a product change from the Venture Card with a {$95.00} annual fee to the VentureOne card with {$0.00} annual fee on XX/XX/2019. I was previously advised that the {$95.00} annual fee would be void as long as the product change happened within 30 days of the renewal. However, after speaking with multiple customer service representatives and managers they said the fee would remain even though they already product changed my card to one with {$0.00} annual fee the day after the fee went on my account. I need a fully refund of the {$95.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/XXXX I called the Borrower Defense to repayment application at XXXX to find out if I was eligible for money from XXXX. I was told that because I paid off my loan I was not eligible. I worked 2 jobs and paid approximately {$37000.00} in student loans and interest. I feel that since I worked 2 jobs to pay for this loan and paid it off in good standing and I should be entitled to my money back since the school defrauded me. After I graduated they sent me to XXXX XXXX and I was fired after 30 days. I was not properly trained by XXXX for the work that they wanted me to perform. Many of my classmates went through the same thing. We were promised good paying jobs, placed in a good paying job and terminated after 30 days. I took a job at XXXX 's after my termination in 2006. I took many jobs to try to pay off my loans and to remain in good standing. We have not been able to purchase a home because I spent my money on these worthless loans and we do not have enough money to purchase a house in this market were home prices are accelerating on a daily basis. My husband and I currently live in an apartment complex that is rift with drug users and other criminals because we can not afford to move into a decent home due to the money I paid into these worthless loans. XXXX XXXX dollars is a lot of money to throw away on a useless education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
The checking account was opened on XX/XX/XXXX and funded with an initial amount of {$250.00}. I applied for the account using a promo code and offer with the following terms, I expected to receive a {$400.00} sign up bonus after satisfying the terms of the offer, which I did as of XX/XX/XXXX ( 60 days ), my last qualifying direct deposit was on XX/XX/XXXX. 
Promo code XXXX Offer terms : sign up b/w XX/XX/XXXX and XX/XX/XXXX. Complete recurring direct deposits of 2 or more that total {$5000.00} or more within 60 days to receive {$400.00}. Payment within 60 days of verification ( which would have been XX/XX/XXXX ). 
Direct deposit # 1 - XX/XX/XXXX - {$2500.00} Direct deposit # 2 - XX/XX/XXXX - {$2500.00} Having not received the bonus deposit, I followed up with customer support starting XX/XX/XXXX. They did not dispute the promotion being attached to my account. They asked I wait for some time to pass. I followed up after some time and had some back and forth emails. Customer service indicated the direct deposits ( from my employer and via payment processor XXXX ) were coded as funds transfers. I provided proof of the paycheck direct deposit in the form of statements directly from XXXX. As of XX/XX/XXXX they informed me that they could not make an exception due to the way the deposits were coded, hence I am lodging my complaint here.

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 2021-01-25
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a card with Lowes/Synchrony Bank under promotional terms for a purchase in XX/XX/XXXX. The credit limit was {$3000.00}. I continued to pay on the balance per the terms on the card. In XX/XX/XXXX this credit limit was suddenly reduced to {$1300.00}. This reduction placed my account in " over the limit '' status as the balance was {$1300.00} before fees and interest. When I called to inquire about the change in limit and why the company chose a limit below my present balance on XXXX XXXX, XXXX, I was told by customer service they could not give me any specific information. Customer service also said that a letter explaining their decision had been mailed to me. Approximately 10 days later I received this letter ( attached and annotated ). The letter did not mention reasons explaining the choice to reduce the limit below my balance, rather it referred to information from my XXXX  credit report as a reason to reduce the limit generally. This information was inaccurate, so on XXXX XXXX, XXXX I called customer service again. This time I complained explicitly of their placing my account in " over the limit '' status and the inaccurate credit report information as their action had lowered my credit rating by XXXX points. I asked for a correction of information and raise of my credit limit. ( For example, XXXX  showed my FICO8 score as XXXX as of XXXX XXXX, XXXX, but Lowes ' letter cites a score of XXXX in their decision-making. ) In processing my request the company hung up on me and did not call me back. To date, no remedy or limit increase has been taken by Lowes.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXXXXXX 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 2022-08-08
Company: EQUIFAX, INC.
State: GA
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 reached out to Equifax via phone on XXXX XXXX. At XXXX EST I spoke with a representative and advised him that my consumer report was not fair and equitable to me due to the information that had been published on the report. I was advised by the rep that he was unable to remove any accounts but that he could start the dispute process. At that time I advised him that Equifax did not have my written authorization to have the information or to publish my information. I advised that I did not want to dispute the items but wanted the items removed. The information that I want removed has been disputed several times due to being inaccurate. At XXXX XXXX the supervisor stated that the FCRA stated that the information could be published anyway. At that time I stated that there is no obligation to publish my personal non public information anf that I have a right to privacy and that I have never given consent to have my information published. The rep refused to adhere to my request and the call ended. At XXXX XXXX  EST I called back, spoke with XXXX, and was transferred to XXXX and was connected to XXXX. I stated that my consumer report is not fair or equitable to me and that I was demanding to have the information removed and specifically stated that all of the Accounts associated with the US Department of Education would need to be removed and not disputed, the rep stated that I needed to wait 7 years, I advised that I did not provide consent for my private non public information to be published and that I have a right to privacy. Equifax did not exercise gave responsibility, was not not partial, and did not respect my right to privacy. Pursuant to 15 USC 1681 b ( 2 ) Equifax never had a permissible purpose. I also stated several times that I did not want to dispute the accounts but that I wanted them removed. I requested for all late payments to be removed and citied 15 USC 6821 ( A ) ( 2 ) to advise him that furnishing fraudulent late payments is a violation and that is why I want the information for these accounts removed. Again, I advised that my consumer report needs to be fair and equitable to me and I have the right to privacy. I requested to speak with a supervisor after stating at XXXX XXXX EST that the accounts needed to be removed and not disputed. I was placed on hold twice and told that the supervisor would " say the same thing '' I then advised yet again that based on the FCRA my consumer report must be fair and equitable to me and that my written consent is needed to furnish my credit report. The information on my credit report has not been fair or equitable to me and is causing me great distress and anguish. At XXXX the supervisor hung up on me as I began to mention additional violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: PNC Bank N.A.
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
PNC Mortgage has refused to remove escrow from my loan. I have owned and occupied my property since XXXX and have been making my property tax payments on my own ever since. I have receipts of these property tax payments that I have made. I currently have a credit on my property taxes according to Office of Tax and Revenue for {$300.00} and I noticed my monthly mortgage payments increased about {$250.00}. When I called PNC about 4-5 months ago to inquire about escrow account and have it removed, I was reassured by several representatives that the escrow account would be removed and I would be able to continue making property tax payments on my own. The last call I made to PNC was XX/XX/XXXX and the rep. stated the removal of my escrow account was denied. The rep. stated letters were sent out XX/XX/XXXX to request proof of property tax payments. I asked the rep. if these letters were certified and she stated the letters came through regular mail, I did not recieve these letters. I have proof of payments and I would have provided these receipts had I known they were being requested. What I am trying to achieve now, is for my escrow to be removed so I can continue making property tax payments on my own and have my monthly payment go back down to its original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: EQUIFAX, INC.
State: SC
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:
I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX

Company response to consumer: Closed with explanation