BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX   on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: FL
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 am a natural person, I am a living human being, I have right under 15 USC 1681. Experian & XXXX are governed by 15 USC 1681, and Experian & XXXX has violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian & XXXX written permission to furnish this account : 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 2019-01-11
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XX/XX/XXXX i signed up for XXXX 's offer of one year free service. Prior to the end of that year of free service ( XX/XX/XXXX ), i ended my service with XXXX and switched to a different carrier.  However, XXXX erroneously charged me for one month of service in the amount of {$120.00}. In XX/XX/XXXX i disputed this charge by sending XXXX a letter to their disputes department using the address published on XXXX 's website. XXXX failed to respond. According to credit law, they had 30 days to respond to my dispute but failed to do so. They have now hired a collection agency called IC System to collect this fraudulent debt. I consider these tactics harassment. 

I have attached the following documents in a ZiP file : ( 1 ) XXXX 's 1 year free service offer ( Free offer details ) ( 2 ) My letter of dispute ( Dispute letter ), ( 3 ) Confirmation that i closed my XXXX service account ( Account closed ), ( 4 ) XXXX 's email invoice from XX/XX/XXXX showing XXXX disregarded my letter ( XXXX - Your XXXX bill is now available online_illegal harassment ), ( 5 ) email from collection agency IC System ( XXXX - Important Personal Message from I.C. System ).

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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm disputing the following accounts for the 3rd and final time. It is up to the credit reporting agencies to verify information inwhich they are reporting. Verifiable by physical and certified documentation. If my attempt shall fail this time by the credit agencies not accurately doing their job / due diligences then imma file a complaint with the FTC. I'm requesting that XXXX, Transunion and XXXX  to investigate this matter and to comply with providing me with all Method Of Verification that was done in this instant matter. I need to know whom spoke with whom, I need to know the date, time and method of communication used while investigating these accounts. What certified documentation did you see and whom all seen it. If I'm not priviledge to this information by request then by the laws written within the FCRA states that these accounts shall be removed/ blocked/ deleted immediately. 

Account # 1, XXXX XXXX XXXX XXXX Account # 2, XXXX XXXX Account # 3 XXXX XXXX XXXX XXXX   {$950.00} Account # 4 XXXX XXXX XXXX XXXX  Account # 5 OXXXX XXXX XXXX {$180.00}

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 2022-08-26
Company: BANCO POPULAR DE PUERTO RICO
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I started a refinance with Loan Depot ( XXXX XXXX ) and was given a quote and he asked for money upfront for appraisal and credit report. He then told me that my appraisal would be refunded at the close. With all the estimated closing statements I asked about the refund and they told me that would happen at close. We finally funded on the XX/XX/XXXX and there was no credit for the appraisal. I have called the LO several times and he does not return calls or emails. After filling out their survey I did receive an email that said my appraisal was credited but when I asked where they said page 2. There were no appraisal credits on any page. I am just trying to get them to honor their word.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: BARCLAYS BANK DELAWARE
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for personal XXXX XXXX  credit card issued by Barclaycard. The representative stated that I was denied due to too many cards opened with the past 24 months. I asked him if the same policy rules apply for the business card. He stated that the policies were different since the business card is a different product. I then applied for the business card and was denied for the same reason as the personal card ( too many credits cards opened within 24 months ). I called again and spoke to a manager ( XXXX ID XXXX  ) who stated the the personal and business cards had the same policy which was in conflict with the first representative. If I would have known that information, I woud not have applied for the business cards as my credit score was effected in a negative manner with two hard pulls.

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 2021-06-08
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My credit card with Synchrony Bank keeps getting " restricted '' ; I do not find out about this restriction until the card is randomly declined at point of sale. Customer service indicates this is happening because mail sent to me is being returned by USPS, this has happened three times, and each time we have confirmed that the account has my correct mailing address. 

I receive postal mail at this address from every other sender without issue. Customer service suggests that I speak with USPS regarding this matter, which I have done, and USPS is unable to act without an example of one of these returned pieces of mail, which Synchrony customer service can not provide me with. 

During my last contact with customer service they indicated they had filed an " escalation '' and someone would follow up and be able to provide an image of a returned mail piece. That follow up has not occurred as of today ( XXXX XX/XX/2021 ) I believe it probable that Synchrony is either truncating my address due to length or has an old address in some system that regular customer service can not see. I would like to work with someone at Synchrony that could retrieve the images of these returned mail pieces, to determine why they're being returned, and get to the root cause of this issue.

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 2021-04-08
Company: EQUIFAX, INC.
State: IL
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:
ATTN XXXX  Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for a mortgage at US Bank on XX/XX/2022. Recently, media reported that XXXX had misreported some credit scores during this time ( https : XXXX ). 

We asked US Bank two times ( once via email to our broker on XX/XX/2022 and again on XX/XX/2022 through the in app messaging service ) to check and see if our scores were affected and they have not replied either time. I believe they owe us the courtesy of a yes/no answer, and if the answer is " yes '', an explanation of how the misreporting affected our mortgage rate. 

Thank you very much.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: EQUIFAX, INC.
State: KY
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid 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:
CFPB has already worked on this dispute. Please see complaint ID XXXX. Paypal had credited me for the charge but they have charged it this month again. I had cancelled the membership. They now have it under review again but they are taking too long. This purchase was about how I wasn't able to start the course as they force you to have a phone call first. I tried without the call because they were too busy to schedule one right away but it didn't work as they blocked access until the call was made. I finally got a call but found out that in order for this course to actually work they upsell you their services which cost an additional {$3000.00} to {$12000.00} which I am in no way willing to do. I please ask for a refund. I have already cancelled the subscription also. Thanks.

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 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
The lien holder, XXXX XXXX XXXX, did not conduct the necessary due diligence at loan inception and the vehicle ( in this case an aircraft ) did not have a clear title. I only discovered this when I went to sell the vehicle and was advised that there was a title problem, therefore, I could not sell the vehicle in lieu of a clean title. I advised XXXXk XXXX XXXX that I was suspending further payments until the title issue was resolved. in the interim period, XXXX XXXX XXXX sent the loan into collection. Three ( 3 ) months later XXXX XXXX XXXX cleared the title problem, but did not advise me. Once it was discover that the title problem had been resolved, I promptly paid the outstanding balance. However, even though the loan is paid, XXXX XXXX XXXX is still reporting to the credit agencies that it was " bad debt '' and that there is an outstanding balance - which there isn't, it's paid in full.

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 2023-05-03
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested debt validation from collection agency ; validation not provided. Collection agency proceeded to report on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: MECHANICS BANK
State: AZ
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
This was a case of Banking While XXXX I entered the Truist location on XXXX XXXX XXXX, XXXX Tx XXXX. I went to open an account for my business, however, the banking manager has different plans, he 1st asked for the documents for my business like normal, then upon review, he tells me my office is showing up on XXXX as a different business well this is because its a shared space, and any of those other business also have the right to list it as their principal address, however, this is where I pay a monthly lease to conduct business therefore its not some virtual space that doesnt exist. The Banker XXXX XXXX, refused to open the account at that moment, stating my address isnt valid without providing ( physically or verbally ) any published information stating this to be fact. He just told me if I dont want to open an account with truist then I dont have to Very rude, extremely combative, I work 50 % from home and 50 % in office. Even if this were the case where my business address cant be used to open the account, I should still be able to open the account using my home address. However, this option was never presented.This is illegal to not present all options and against their policy. I believe I was discriminated against simply because the XXXX of my XXXX. I filed a complaint with truist the complaint numbers are XXXX and 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 2018-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I contacted all three credit bureaus through certified mail over 90 days ago requesting them to investigate and remove this hard inquiry from XXXX XXXX. This inquiry hit my credit report on XX/XX/18, I sent my certified letters on XX/XX/18, and never received a response at all. This hard inquiry has put a hardship on my life, caused a great deal of stress and has caused my credit score to decrease drastically!! I have XXXX children that I have been denied credit for a house due to this inquiry. The credit bureaus has violated the FCRA law they have a responsibility to report accurate information and to respond to consumers in a timely manner.

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 2021-11-29
Company: NAVY FEDERAL CREDIT UNION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am added on a credit card with Navy Federal as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get Navy Federal to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I had gotten behind on my mortage my dad was originally on the mortage note so i applied for a modification and had to do a quit claim deed on my father to get him off of the note so only my income would be used fro the modifcation because with my dads income it was to much to pay. We did the quit claim deed on my dad and them i was approved for the 3 month trial plam for the modification and this is my third month but i received a phone call asking why did i take my dad off of the note so now they are telling me before they can do a final modification i have to do another quit claim deed to put him back on and i can not pay the payment until that is done. I even spoke with my credit counselor and he said that makes no sense to him. the mortage company is saying that the papers have to be the way they were when i first closed on the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22 Synchrony Bank left me a phone message about suspicious purchases on my XXXX XXXX XXXX that was used for purchases at XXXX. ( Nothing else of my info was used, not my home address, nor my email address, just the card number. ) I called and was told of charges adding up to {$430.00}, none of which were by me. I was told of their, " {$0.00} Fraud Liability benefit, '' that I would never be responsible for unauthorized charges. An email letter sent by the bank said that the amount was {$400.00}. On XX/XX/XXXX, another email letter said, they had approved my fraud claim on my XXXX XXXX XXXX account based on the information they had so far. Then it went on to say, " Please note, this claim status may change within 60 days if we find you authorized these transactions. We will notify you in writing if this occurs. '' Yesterday, XX/XX/XXXX, I received a bill for {$440.00} and was told over the phone that they missed some of the charges when doing their fraud investigation and a new fraud case will be opened. I could see on the bill that the charges had been {$930.00} and an interest fee of {$10.00}. It showed {$490.00} in credits, leaving the {$440.00} that they missed in the fraud dispute. My concern is that they are incompetent and that my credit could be harmed. I have very good credit, as I always pay my bills. Can you help me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief