BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-06
Company: Synovus Bank
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:
Synovus Bank is fraudulently reporting that I have an " active loan '' with them. 

I had a loan with Synovus Bank, ( original lender was XXXX XXXX & XXXX ). This loan was charged off on XX/XX/XXXX due to lack of ability to pay at that time. An employee of Synovus, ) XXXX XXXX ), in an attempt to collect the debt " modified the loan in their system '' to show a lower monthly payment with a balloon payment of {$5800.00} in XX/XX/XXXX. She said she was doing this to help me out. I never agreed to such modification! This change showed the account open and every month an additional late payment. 
I tried several times to get Ms. XXXX to report this loan as it should be. That being charged off, no monthly scheduled payment, no balloon payment, and a reporting of a Date of 1st Major Delinquency on my credit report of XX/XX/XXXX, but to no avail. 
After sending a certified letter to the bank president, I was contacted by XXXX XXXX. Through several talks and explanations, he seemed to try to get this reported correctly. In XX/XX/XXXX he did get the late payments removed, but said they added that the plan was being " Paid under a partial payment plan. '' I advised their was NO SUCH PLAN agreed to and that it needs to be removed and the Date of 1st Major Delinquency needs to be corrected. He called me back and said that the 1st Major Delinquency date was corrected and that it would take about a week to remove the " partial payment '' wording. I have left two messages for Mr. XXXX but no reply. 
I pulled my credit file this month. The Date of 1st Major Delinquency is still listed as XX/XX/XXXX, it still says that a payment plan is in effect, and the balloon payment amount has risen to {$19000.00}! 
I feel that Synovus is purposely failing to correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: M&T BANK CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I reserved a hotel for a trip, but I was told that the website was only going to hold {$15.00} dollars until my check in. I got sick and will not be able to travel, so I have been reaching out to the hotel, but no response.

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 2022-08-05
Company: EQUIFAX, INC.
State: PA
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:
Equifax is repeating violating my rights, as well as the Fair Credit Reporting Act. Despite several correspondences I've had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. On numerous occasions over the last several years, including as recently as this morning, XX/XX/2022, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. I have actually disputed this debt with the data furnishers several times, directly, but they have to date failed to provide proof that this account is mine, as requested per the FDCPA, so I am certain that Equifax has not properly investigated, verified or validated anything despite their claims to have researched and verified these accounts. On XX/XX/2022, two Equifax agents were reminded of the FCRA which states that, after reinvestigation, any information that is inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Both agents admitted to being aware that the FCRA states this yet refused to comply with the FCRA and my request that the accounts be removed. They both insisted that I must file ANOTHER dispute so that ANOTHER " investigation '' could be performed, but neither provided me with proof of the investigation that Equifax claims has ALREADY been completed for the information that remains on my consumer report. They both also admitted that their dispute process doesn't even include an investigation that is in accordance with the FCRA and when asked for proof that they had my written permission to furnish a consumer report using my name, in the first place, they both admitted that they do not have any such proof or permission ( but still refused to remove the accounts furnished without my permission ). With that being said, I feel that Equifax is intentionally and willfully being neglectful in remedying my affairs. In light of recent investigations brought upon Equifax, they are truly undermining my confidence of the fairness and accuracy of their credit reporting methods, which is essential to the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received notification at my childhood address with my maiden name on it claiming I opened an account at Huntington which I didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan to consolidate my bills related to medical and legal expenses using the equity in my property. I was denied. Chase stated that my credit score was below there 675 requirement. I was told that I could reapply once score had reached 675 or better. I confirmed that my score was lowered because of the debt I had incurred. I have a current mortgage related to this request and have been in good standing. I asked for detailed information as to why I was rejected. I was only referred to submit concern with your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: National Credit Systems,Inc.
State: TX
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've contacted National Credit Systems on 3-4 occasions regarding incorrect reporting. I have a dispute through credit reporting the debt remains on my report. I did notify Rep the debt did not belong to me but my daughter and should not be on my credit. After speaking with an agent ( XXXX XXXX ) on each occasion, I was told there would be a packet sent to me regarding the dispute. I was not a co-signer. Have not recvd pocket. XXXX XXXX contacted me on XX/XX/2018 stating she had spoke with my daughter and my daughter would pay the debt. I again advised Rep the debt belonged only to my daughter and not me. I did mention to the Rep as my daughter did, I was considering filing Bankrupt and did not want the debt labelled as bankrupt showing on my daughter 's report. Rep stated again, my daughter had agreed to pay debt. The debt is in the amount of {$1800.00} placed in collections by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX is defrauding consumers by not awarding points according to a promotion 's terms. 

I have an XXXX XXXX Visa card. They run a promotion several times a year, and each promotional period they cheat me and other card holders out of hundreds of points. 
The promotion states that for 3 months, the credit card holder will receive XXXX additional points each day they use the credit card for a purchase outside the XXXX XXXX brands. 

During the most recent promotion, on 8 separate days when I USED my card ( that is, took it out and made a transaction ), I did not receive the XXXX points. My account summary shows incorrect transaction dates. I called customer service and provided details of each transaction and requested the missing XXXX points. I received a letter dated XX/XX/18 stating their points were correct and they would not be issuing me the missing points. I filed a complaint with the XXXX XXXX XXXX. In response, Synchrony sent me a letter insisting their records are correct and they were going to give me XXXX extra points as a " courtesy. '' They stated they go by " transaction date '' in rewarding points. I tried to tell XXXX XXXX in this complaint that their " transaction '' dates do not correspond with the dates I " USED '' my card ( which is the wording in their promotion ) and that I had proof. They were unwilling to look at my proof. Synchrony sent me a print-out of my activity summary, including transaction dates. I will use their own printout and my receipts to prove they are intentionally defrauding consumers. I am attaching their letter to me and two sheets they sent me showing how they awarded points based on transaction dates. Two examples : Note their records show a transaction date of XX/XX/XXXX for Lowe 's at {$5.00}. Note that my receipt shows I USED my card on XX/XX/XXXX ( NOT XX/XX/XXXX ). And Synchrony Bank 's records show they did not give me the XXXX ponts for USING my card on XX/XX/18. Another example : Their records show a {$3.00} Walmart transaction date of XX/XX/XXXX. My records prove I actually made that transaction -- aka USED my card -- on XX/XX/XXXX. So instead of giving me XXXX points for the Lowe 's transaction that actually WAS done on XX/XX/XXXX, they wrongly applied the XXXX points to the Walmart transaction and did NOT give me the XXXX points for the Walmart purchase on XX/XX/XXXX. That's called fraud. The last two times they ran this promotion, they also cheated me out of hundreds of points.

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 2018-09-04
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: Information belongs to someone else

Complaint:
Hi I am contacting you because I am dealing with multiple accounts on my report that are showing up due to fraudulent activity. I recently looked at my credit report and noticed multiple accounts on my report that were not opened by me, there are many medical collection accounts which I have never finance any of my medical costs. I am also seeing accounts from banks that Ive never opened an account with or gotten a loan from or even a credit card. I do not know how these items are showing on my report, I believe some one could have my information and is using it to open these accounts. It could also be some one elses accounts showing on my report. I really need this to be resolved as I am looking to buy a house soon and these items are depicting my score incorrectly as I have never been late on any of my bills. Please let me know if you require anymore information or have any questions. 

ITEMS ON MY REPORT THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} XXXX, XXXX, XXXX, XX/XX/XXXX, BALANCE {$25.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$280.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$28.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$29.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$950.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$26000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$17.00} XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$430.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$19000.00} XXXX XXXX  XXXX XXXX, XXXX, XX/XX/XXXX, BALANCE {$0.00} MEDICAL, XXXX, XX/XX/XXXX, BALANCE {$32.00} XXXX, XXXX, XX/XX/XXXX, BALANCE {$11000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-23
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have two hard credit pulls on my report that were not authorized by me. One on XX/XX/2016 by Institution Information XXXX/XXXX XXXX   XXXX, XXXX XXXX I was in recovery in XXXX at this time. 

The second is on XX/XX/2016 as well. By XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Monterey Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My complaint is against Monterey Collections, first I want to mention that I had sent them a cease and desist since I never agreed to work with their organization nor did I receive a documentation stating that I would agree to work with their company and they failed to abide by the cease and desist. Additionally, Monterey Collections has portrayed themselves as Attorneys on my credit reports. I had contacted both the original creditor and the collection agency relentlessly for cancellation options.

We weren't even coherent and yet they fail to assist us! We never used the timeshare either and had mentioned to mutually cancel the contract based on the circumstances and yet the original credit failed to respond to us. Finally, they informed us after months it was cancelled, we were never informed it was going to collections or had any idea until we received a letter say they can put a judgement against us!? We were trapped, poisoned, did not understand the contract of what we were signing into this contract. I then lost my job so contacted them for option in which everyone failed us! Now, Monterey collections has been adding fees at an alarming rate to our reports and affecting our ability to obtain credit. I DEMAND THIS REMOVED FROM BOTH OF OUR REPORTS, WE FEEL WE ARE BEING FORCED TO WORK WITH THIS COMPANY OTHERWISE THEY WILL RUIN OUR CREDIT, THEY FAIL TO PROVIDE US WITH OPTIONS, WE NEVER AGREED TO WORK WITH THEM AND THEY NEVER PROVIDED PROOF OF DOCUMENTATION. THEY ARE REPORTING PAYMENT HISTORY WHEN WE NEVER SIGNED UP WITH THEM, THEY ARE REPORTING PAST DUE ON AN ACCOUNT WE NEVER SIGNED AN AGREEMENT WITH THEM FOR. THEY ARE ADDING INCREASING FEES AND THE REPORTS DO NOT MATCH DELETE THIS ACCOUNT FROM MY REPORTS IMMEDIATELY AS I WOULD LIKE TO CEASE ALL COMMUNICATION AND ATTEMPTS TO WORK WITH YOUR COMPANY, AS WELL AS PROVIDING PROOF THAT MY ACCOUNT HAS BEEN CANCELED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I closed on my home on XX/XX/2018, with XXXX XXXX servicing my mortgage. I was notified on XX/XX/2018, that my mortgage was sold to Amerihome. I immediately registered for an online account for Amerihome to attempt to establish a payment for my bill due XX/XX/XXXX. The option to make a payment was not available in my online account at that time ; therefore I contacted customer service who told me verbally that I would have to wait until after XX/XX/XXXX because my account was too new to make a payment that was due XX/XX/XXXX. On XX/XX/XXXX2, I attempted to log into my account and my account had been deactivated ; and when I attempted to register a new account, the system would not allow me to do so based on the fact that I had an existing account. At that time, I attempted to call customer service, which was closed. On XX/XX/XXXX, I called customer service and spoke to a representative who told me I have " stops '' placed on my account until XX/XX/XXXX, which block me from accessing my online account and making payments through the automatic phone system until after XX/XX/XXXX. Meanwhile, I have a bill due on XX/XX/XXXX and XX/XX/XXXX, while I am blocked from making payments online and through the automatic phone system. The customer service representative informed me that the only way to make a payment that is not made through the website or the automatic phone payment system, is through a customer service representative who will charge me an additional {$5.00} service fee to process my payment. In summary, I am blocked from making timely payments online or through the phone system, I am also blocked from establishing an automatic monthly withdrawal from my checking account, compelled to pay an extra fee to make a payment through the customer service representative ( which is the only option available to me ), and do not expect have access to my online account until XXXX. Furthermore, I had planned to make an extra payment to the principal each month, as I had done previously before my loan was transferred, and I am blocked from doing so without paying the additional compulsory fee ; therefore, the mortgage lender is charging me additional interest and PMI charges than I would otherwise pay, if I had full access to my account and was allowed to make additional payments to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: United Revenue Corporation
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: Old information reappears or never goes away

Complaint:
I constantly dispute these accounts in questions and I am not provided anything showing these accounts belong to me yet they are sold over and over again to companies that post them to make it seem like I just opened the account last month. These companies did not provide me any information in the form of a letter that they were putting these things on my credit report which they are required to do. I don't understand how they are able to report these accounts on my credit that are not accurate and make it seem as if I incurred this debt last month. 

Reported by XXXX  : XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) XXXX  XXXX Opened : XX/XX/XXXX Amount {$230.00} ( Please provide proof this account belongs to me and that it was opened XX/XX/XXXX. ) Original Creditor : XXXX XXXX XXXX ( XXXX XXXX is based in Oklahoma where I lived in XXXX and, moved and, haven't lived there since XXXX How could I have opened an account last year? ) XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) Opened : XX/XX/XXXX Amount : {$120.00} ( Again Oklahoma Business stating I opened and account in XXXX and I did not live there. ) Original Creditor : XXXX XXXX XXXX XXXXXXXX ( Did not live in Oklahoma in XXXX ) I would like all the companies above to remove these accounts from my report and stop reporting inaccurate at this point fraudulent information for years this has been going on. 

Reported by XXXX : United Revenue Corp Opened : XX/XX/XXXX Amount : {$840.00} ( This doesn't belong to me was never provided proof after asked several times that this account belongs to me ) Original Creditor : XXXX  XXXX XXXX XXXX They never reached out to me about this, I don't know what this is and this does not belong to me I need It to stop being reported and removed immediately. ) XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$3200.00} ( Please Provide Proof this was opened on this date and that it belongs to me what they are reporting is completely inaccurate and needs to be removed ) Original Creditor : XXXX ( Please provide proof that I opened an account with XXXX on XX/XX/XXXX according to the account you have posted to my report. ) Again I need these accounts to stop being reported and to be removed immediately Unless I can receive physical proof that these accounts in question were opened by me on the dates these companies are reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: The Best Service Co.,Inc
State: CA
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:
These accounts have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have spoken to my local Sheriffs department identity theft investigators advised me to contact the federal trade commission to file a identity theft and fraud account report as a extra step of protection The only resolution is to delete the fraudulent accounts in question and no more. In accordance with the FCRA 2009 these accounts MUST be removed due to them being opened without my consent by someone who fraudulently obtained my information. My Police report number with the XXXX XXXX County Sheriffs office is ( # 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 2019-08-31
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  Thank you!

Company response to consumer: Closed with explanation