BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021 I started to receive a series of letters from Synchroney Bank, XXXX XXXX XXXX, XXXX, Floria XXXX. The first letter was regarding my Sam 's Club MasterCard, ending in XXXX. The letter stated, in raher short terms " After a review of your account, SynchronyBank has decided to close your account-Based on the account s is indicative of high risk of failure to pay ''. I have had this account, and many other Synchrony Bank consumer Credit Card accounts, such as Chevron, Lowes and few others whch have NEVER BEEN PAID LATE nad have never been " overlimit '', as I always pay my card balances in FULL each month! I rarely, if ever carry an open balance on any of these cards! In fact, at the time I recevied this lovely letter from Synchrony Bank I had made a few duplicate payments ( since they alleged my auto-pay didn't go through ), whcih left my Sam 's Club MasterCard with a CREDIT BALANCE, due to my over-payments in the amount of {$11000.00} ( see statement from XX/XX/2021 and others )! When I called XXXX to find out why they closed my accounts, which had CREDIT balances, the staff had no answer for me, other than " The Computer says are are now a risk, so we closed all your accounts ''. his makes no sense at all. I tried to speak with a real human, who could help, but all I got was some overseas operating reading the same inforamtion off hier computer screen. Since no one could help me, I elected to allow the closure of my account and asked for my overpayment to be refunded. Suprisiingly enough, this did occur and this zeroed out my account, and it was closed.A few motnhs later, Synchrony decided to MAGICALLY re-Open this CLOSED account and start adding charges and fees for rpoducts and services I never authorized or purchased! I CAN'T GET THEM TO STOP! They are no trying to impact my credit rating for thier poor mismanamgent of my old Sam 's Club MasterCard Account. Oh, they also cancelled all my other Sychrony linked card too, for no reason or justifiable cause! HELP!!!!

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 2021-10-05
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am writing on my own behalf without the help of any outside person. The laws referenced are available to the general public. I am aware that my rights were violated and are continuing to be violated in bad faith. 

NAVIENT is engaging in deceptive and abusive debt collection practices from the inception of the alleged business relationship, violating my consumer right to privacy, and undermining my confidence in the banking system. 

Since the consummation of the credit sale occurred after XX/XX/1977, NAVIENT is subject to consumers ' claims and defenses pursuant to 16 CFR 433.3. 

As defined in 16 CFR 433.1, NAVIENT is a seller subject to consumers ' claims and defenses. When the original credit sale was consummated, I, the consumer, was unaware of the seller 's business arrangement with the creditor, nor given disclosure about the determination of the finance charge along with my right of rescission. Upon review of the master promissory note, I have reason to believe and do so believe that my obligation was settled, leaving me with controlling security interest. 

I am aware that I am entitled to twice the finance charge for the violation of 15 U.S. Code 1635 due to my right of rescission never being simply and clearly disclosed to me. 

I have reason to believe and do so believe that NAVIENT is a debt collector engaged in communication in violation of multiple cease and desist notices from me, and is in violation of 15 U.S. Code 1692c ( a ) ( 1 ) and 15 U.S. Code 1692c ( a ) ( 3 ). 

As the consumer, I am aware of the definition in 15 U.S. Code 1692a ( 6 ) that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts. '' NAVIENT has never received my express consent to communicate with me for the purpose of debt collection, thereby violating 15 U.S. Code 1692c, generally. 

In light of indirect communication through the consumer reporting agencies after the character, amount, and legal status was in dispute via formal notices of dispute, I am invoking my specified remedy pursuant to 15 U.S. Code 1692c ( c ). 

NAVIENT has violated my cease and desist orders and communicated with relatives without their consent on multiple occasions. NAVIENT has violated 15 U.S. Code 1692e ( 7 ) by making the false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 

NAVIENT has furnished deceptive forms to instill in the consumer the belief in the consumer that a debt is owed, in violation of 15 U.S. Code 1692j. I consider every word that NAVIENT has uttered in connection with debt collection to be obscene and profane language in violation of 15 U.S. Code 1692d ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, XXXX XXXX, asked the credit bureaus to do a verification through a thorough investigation of the items listed in this complaint and also listed below on my credit my credit report. They stated that the accounts had been verified as accurate. However, I did an investigation into my credit report myself and found inaccuracies after they did their thorough research. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

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 2021-10-05
Company: EQUIFAX, INC.
State: FL
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:
Lenders are not able to pull my credit from Equifax. I have spoken to them by phone 8 times in the last thirty days. Two lender were unable to get my Equifax credit score. I contacted Equifax and they advised there is no hold or freeze on my account. I faxed them all the information to verify my address and name. Call them on the phone is no help they just repeat the same thing. 

Equifax is ruining my life. I need a loan to get my work truck fixed so I can earn income. Yesterday XX/XX/2021. I received mail from Equifax saying there is no fraud alert or active freeze on my account. so why cant lenders pull my Equifax credit?? They don't care. If you ask to speak to a manager they put you on hold for 45 minutes. I would like to file a complaint. Attached is a copy of they letter they sent me. If I don't get this cleared up I will lose my business. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX XXXX first regular letter sent to Capital One headquarters, no response. XX/XX/XXXX XXXX certified letter ( XXXX ) sent to Capital One headquarters, no response. XX/XX/2021 second certified letter ( XXXX ) no response. Both addressed to the CEO XXXX. Refusing to resolve issues at hand. Capital One requested information proving I ( His son ) was eligible to make account adjustment in my fathers behalf who is a XXXX veteran. Information was sent via email and later was told this wasnt the correct way to submit the Information. Capital One refuses to respond to my fathers request in regards to getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: EQUIFAX, INC.
State: MI
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:
The accounts was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: CITIBANK, N.A.
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citi bank has called several times per day for a week.

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 2021-11-03
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

FREEDOM MORTGAGE is reporting late as reported in XXXX and XXXX. Lets delete this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2023-08-21
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On or about XX/XX/2021, I had an extension applied to my account to defer the XXXX payment for Nissan Motor Corporation which would cover my XXXX payment, so doing this I had a payment return of {$470.00} because at the time we needed that money back and I was never contacted or told that because the payment was returned the extension was canceled ; this caused me to have a missed payment and go directly on my credit report which at the time is significant and we were close to owning a home but because of this inaccuracy it has delayed us in buying a home. When I talked to Nissan they said to contact you to get this removed so we can purse this action. This caused my credit score to drop to XXXX and not the XXXX to be able to close on my house. I would like this investigated and removed from my credit ASAP. Once i knew it was late I immediately paid the requested amount. To this date if i have been late on a payment I had requested an extension and never had been late on this account, please see account history attached. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
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: Information belongs to someone else

Complaint:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have attempted to dispute with both XXXX  and Experian unsuccessfully to have this inaccurate information removed. My credit reports are showing I have a deliquent account with XXXX XXXX XXXX which is incorrect. I asked them to send a validation giving a detailed breakdown of the alleged balance I owe. They sent this document which reflects a XXXX balance. If I owe something then I need proof of it and they have been unable to provide proof. I have attached a statement showing a XXXX   balance that I received from the alleged creditor.

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 2017-12-12
Company: Aldous & Associates, PLLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I recieved a Debt Collection letter from Aldous & Associates PH : XXXX on XX/XX/17 regarding a phone purchase at XXXX XXXX, in which is a XXXX party retailer for XXXX XXXX. Upon getting a XXXX XXXX XXXX plus there was an agreement to pay XXXX in 24 month installments a set amount per month on top of the monthly phone bill. Since I didnt keep my XXXX account longer than 6 months, this company XXXX XXXX is trying to charge me a {$600.00} fee for cancelling service in which should not be allowed as I already agreed to pay {$840.00} for the phone and then another {$600.00} for cancelling. Thats {$1400.00} for a XXXX XXXX at which at this point is being sold illegally against XXXX XXXX, as a retailer can not charge no more than the actual retail price. XXXX XXXX and thier collections agency is a scam and trying to collect twice on the phone. XXXX XXXX does not explain or advise there is a {$600.00} fee if you decide to cancel in less than 6 months. I am requesting that this company is looked into and investigated as I plan on taking further legal action that could result in a lawsuit. XXXX XXXX would not discuss the issue with me when i previously contacted them about their letter i recieved dated XX/XX/17. The management there was rude and hung up. The rep i spoke with at the debt collection agency had no clue about the CFPB and didnt know whether or not if they have ever been in compliance with the CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: NCC Business Services, Inc.
State: FL
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:
Forced to move from XXXX at XXXX XXXX apartments in XXXX XXXX, FL due to foundation issues and mold. The foundation was literally on jacks when I moved. My lease was up and the apartment complex kept my deposit for reasons unknown. Never had any damage to the apartment on my behalf after 5 years. They never replaced carpet or painted as promised afterbeach year during lease renewals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Navient Solutions, LLC.
State: TN
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:
Student loan from Sallie Mae in XX/XX/XXXX still on my credit report that states in default collection. Called Sallie Mae when I payed everything off! Represtative stayed all loans were ALL PAID OFF IN FULL. Merged with navient got collection letters calls. No bills to my address never once did I receive a bill! This account was in XX/XX/XXXX and should have been removed permanently in XX/XX/XXXX even if I was in default which I wasnt! This is unlawful and unacceptable when I have paid this off. Not to mention got a confirmation from the representatives. Now I am struggling with correcting my credit. Also going thru XXXX. And lastly the school has been CLOSED. I just want an honest person to close my account so I can more on with my life and not deal with this outrageous account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: EQUIFAX, 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 sent multiple letters to these credit bureaus regarding fraudulent inquiries on my credit report. And they wont remove them. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: General Motors Financial Company, Inc.
State: TX
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 would like for GM Financial company to be removed from credit report due to that account is over 7 years old and XXXX XXXX XXXX paid them off in full for the vehicle. GM Financial Company keep reporting negative things to credit bureaus companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company refusing to remove a debt I dont know anything about never had XXXX XXXX I was in the hospital between XXXX to XXXX I asked credit management to remove this account and they have refused I am a XXXX senior.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief