BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-05
Company: SYNCHRONY FINANCIAL
State: UT
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 's client XXXX XXXX is an identity theft victim. Her information was used without her consent to apply for credit cards with XXXX XXXX and SYNC/WalMart. While no accounts were established the application left fraudulent inquiries on her credit reports from both XXXX XXXX and SYNC/WalMart. A formal dispute was sent to each bank concerning the fraudulent matter ( XX/XX/2018 ) however as of this date neither bank has notified my client of the outcome of the investigation which is an FCRA violation.

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 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2022 Tried to login to TransUnion website to lift a freeze. After entering my username and password, I was asked to enter a code that would be sent to my email. No code was sent to my email. I tried again several times. I then tried, forgot my login information. Same thing, no code sent to my email. I called TransUnion at XXXX and was told that for online access, I needed to call XXXX. I called and was prompted to enter 1 for English. I did, but the prompt repeated several times. I entered 1 each time, but it did not accept. Then there was a menu of 6 items, none of which applied. Then the system hung up on me. There was no option for a live person. 
I then tried to contact TransUnion on XXXX and received message that they would respond in 24 hours. The response appeared and disconnected after I did not respond within 15 minutes. I tried again and was told that the unlock instructions were sent to my email. I did not receive them. I also tried their secure online help form ( screenshot attached ). After filling out my info 3 times, the screen went back to this page. This is unacceptable for a credit bureau.

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 2022-10-04
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
It has been over five years and Wells Fargo Company its not letting me open a bank account. I mean to open a bank account and then close it two days later is the most petty thing a bank could do and unprofessional they legitimately deserve to be sued I was told specifically by XXXX XXXX and XXXX that I would be able to open a bank account after five years and I was and did and put in money and now theyre closing for no apparent reason and no explanation. Its probably due to bank relationships and the fact that they dont wan na let me have another bank account because of something that happened five years ago.

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 2022-12-09
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: Account status incorrect

Complaint:
I have pulled my report and saw accounts inaccurately reported. I know that credit reporting agencies are supposed to report only 100 % accuracy. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-12-09
Company: National Recovery Solutions, LLC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a notice of a collection from XXXX XXXX, XXXX. I immediately sent a letter to request a verification of debt on XX/XX/XXXX. To date, they have not responded to the request. However, they are still calling me. Today ( XX/XX/XXXX ) they left me a voicemail about paying the collection through their website, however I am not supposed to be contacted during the dispute process. On XX/XX/XXXX, I sent another letter, stating that I had not received verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: I.C. System, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I never receive notice from IC system collections nor XXXX  as to why they reported a negative item on my credit report. I was a Customer with XXXX for 5 years and are no longer in contract for mobile services. XXXX is negatively trying to collect for amount not owed and charge for devices that were given free with services. XXXX has try to sell this debt to different collection agency and had to be removed from my credit report because debt could not be validated. I refuse to pay a debt that I do not owe and has fulfill more than my 2 year agreement with this company. XXXX has sold this debt to a IC system collections which I have sent a certified debt validation letter to this company requesting to prove debt owed with sign contract l. no response has been given. I am requesting that IC collections to be removed from my XXXX   credit report. Because of this negative impact I will not be approve for my new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
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: Account information incorrect

Complaint:
XXXX XXXX removed a fraudulent joint {$8000.00} credit card issued in XX/XX/XXXX.and closed in XX/XX/XXXX.  Equifax deducted 7 points from my credit score rather than the low impact 2 points. I have not been able to get an explanation for this variance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
For five months I have sent documents for temporary XXXX deferment to Navient. They have refused to process. Each time, they claim something is wrong with the application, and it must be resubmitted. My doctor has submitted proof of XXXX along with dates, which were for only a year. I have also submitted proof of long term XXXX monthly payment. That was not good enough either. The last time they state I must apply for total permanent discharge even though I havent been declared permanently XXXX. Now the loan is due and they are forcing me into default despite me sending documents 12 times. When I called several times regarding this matter, they have stated they are working on it. Then someone named XXXX XXXX from Navient emailed me stating she was an advocate from naivent and would be assisting although all the emails simply state, she is working on it, and the last one stated she is going on vacation which would place me in default despite me following timelines and submitting all documentation for a deferment. Im not working, am XXXX and can not make any payments. This is unethical, illegal and Inhumane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Miller, Stark, Klein and Associates
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This number ( XXXX ) XXXX has called me at least 15 times within the last month about a debt my sister has. I told them that I do n't talk to her and to stop calling but they continue to call. I blocked their number but they still call using unknown number. They just recently called me today, X/X/18/, at XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my XXXX Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018.

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 2022-01-20
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX, XXXX, CA XXXX Experian XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 

XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$110.00} StatusAccount charged off. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1986 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL 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 2021-09-15
Company: AMA Advisors, LLC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
HomeBridge Financial Services , Inc. is refusing/delaying the process of disbursing the money held in escrow. All Payments have been made ( zero missed or late payments ) and the loan has been paid in full.

I have sent multiple requests to their " chat '' and message inbox and they continue to delay and will not release the money from escrow. Furthermore, their customer services department is unable to take any action nor willing to fix the issue for release of the money. I feel as a consumer I am being taken advantage and concerned their financial mortgage operation is not financially sound.

They are in violation of their agreement as a mortgage servicer.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: CITIBANK, N.A.
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our original mortgage was with Citi Mortgage. They turned it over to a company called XXXX.They raised raised our mortgage payment from {$850.00} to {$860.00} on a so called " projection '' that our escrow would go up and it actually would go down because our insurance went down and property taxes remained the same. Citi Mortgage will not adjust because they have passed the service to XXXX. We have tried every option to contact XXXX. Email, phone etc. with no success. When a representative would answer a phone, they were quick to hang up.

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 2017-10-13
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I signed a contract that my monthly mortgage including taxes will increase from {$1600.00} per month to {$2500.00} per month for 30 years. Quicken loans is using predatory lending practices. They agreed it was their error..stated to that from their error. I would not have purchased my home for this amount. I 'm retiredd and I am on a fixed income. Quicken loans escrow representative name is XXXX XXXX.His number is XXXX. He said the XXXX XXXX is also at fault. The XXXX XXXX is XXXX in XXXX. Quicken loans representative told me to move.I just purchased this home 5 months ago. XXXX XXXX, XXXX, was my settlement date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: General Motors Financial Company, Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and GM FINANCIAL with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04
Company: CCF Intermediate Holdings LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine- I was a victim of identity theft 5+ years back, this might have been a result of this. However, this should have already been reported as theft, and it just appeared as a collections on my Credit Report after YEARS. Collection agency has not responded to my Debt Validation, and therefore can not validate the debt. Please have this removed as soon as possible, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have told this company in many letters that were certified that my address is XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX is the ONLY address that is accurate and that should be on my report. I also stated my current employer is XXXX. XXXX XXXX. They had corrected the addresses, then added these ones back : XXXX XXXX XXXX XXXX, MA XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX type XXXX family This account is FRAUD : Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX, so I know they did not do everything that they can to make sure that my account was actually verified and they have yet to get back to me within 10 days of the METHOD OF VERIFICATION that I requested.

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 2020-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My XXXX XXXX was filed in XX/XX/XXXX and paid in full and discharged in XX/XX/XXXX. It shows discharged with the 3 CRA 's and only XXXX has removed it totally. Transunion and XXXX have not. It's XX/XX/XXXX and it's the full 7 seven years showing on my credit. Just please asking for the information to be early exclusion and removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: EOS Holdings, Inc.
State: WA
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:
EOS CCA called X/XX/2017 asked for personal information. Never sent a letter stating who they were or what they wanted. started calling again a month later never stating who they were or why they were calling again no letter??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Foris DAX, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX, XXXX CAD from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: Lending Club Corp
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The original account was a result of identity theft. I have disputed with XXXX XXXX regarding this fraudulent account and therefore their fraudulent collection account.

Company response to consumer: Closed with explanation