BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-23
Company: SYNCHRONY FINANCIAL
State: IL
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:
On XX/XX/2018, a credit inquiry was initiated, but not by me. I contacted Synchrony as advised by XXXX XXXX, but Synchrony could not provide information regarding the account as they are claiming it was not reported by them. I contacted XXXX and their response was to obtain a statement from Synchrony, stating that I did not initiate the request. I received paperwork to submit to Synchrony to dispute the inquiry and they denied my request to remove the inquiry ... again because it's somehow not their account but has their name on it. The specific inquiry has something to do with " XXXX XXXX. '' They recommended I contact XXXX XXXX since its supposedly a known issue that had reached resolve, so I did, and XXXX XXXX suggested I contact XXXX. At this point, I'm being ran in circles and receiving no helpful information from any of the entities involved.

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 2017-09-13
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery just reported a {$160.00} collection balance on my credit report. Prior to the appearance of this account on my credit report, I did not receive my notice of my right to dispute, which is a violation of federal collection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
hello, as a reply to your response left on my last complaint : if aspire removed ALL of my information, where can i obtain it? i need records of ALL transactions regarding this student loan. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
A skateboard was purchased on XXXX for {$1600.00} on XX/XX/XXXX. The skateboard was returned back to the merchant on XX/XX/XXXX under XXXX tracking # XXXX. The returned item was successfully received by merchant however a refund was NOT processed by merchant. A dispute was filed with the credit card company, Capital One, approximately 2 weeks after XX/XX/XXXX. On XX/XX/XXXX, I received a notification from Capital One informing me that I was getting re-billed for the full amount of this charge, {$1600.00}. However, the amount of {$1600.00} was not actually re-billed to me as I later learned. According to the merchant 's response, I had redeemed {$480.00} of a gift card issued to me pertaining to {$1600.00}. This is 100 % false as I never redeemed any amount relating to {$1600.00}. The merchants response is a lie and I expect a full credit. I expect not to be bullied by a XXXX dollar company and fully, notwithstanding, expect a refund of {$480.00} that was fraudulently obtained and charged to my credit card. The amount of my gift card used had no relevance whatsoever to this specific order.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: PNC Bank N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XX/XX/XXXX I called PNC to request an appraisal of my property with a purpose of removing mortgage insurance. Talk to them over the phone, got an official letter with a price for appraisal of {$590.00}. In the letter it said that I will be contacted by appraiser as soon as they receive funds. I send a check next day. Haven't heard from them. Check has been cashed but no phone call. I contacted PNC to find out whats going on. Over the phone a rep told me that they work only with one appraisal company ( which is not true ) and this company charges {$1000.00} for the service, so if I would like to proceed I need to send them an additional {$420.00}. Which I did. Appraiser came in about 2 weeks later, look at the house and was very satisfied with everything. At the same time house next to me ( an  identical copy ) just got sold for {$370000.00}. In XX/XX/XXXX I got a letter from PNC saying that the appraised value of my house is {$350000.00} which bring my loan-to-value ratio to 76.57 %. The appraised value needed to come in at {$360000.00} to bring LTV to  75 %. They were asking me to send them a check for {$5500.00} to bring LTV to 75 %. Which of course I didn't. I've been trying to get an actual appraisal report from PNC for 6 month. Finally after another attempt around XX/XX/XXXX, it has been sent to me in XX/XX/XXXX. 
The comps that this appraiser used are completely wrong. Majority of houses that he looked at were 3 bedroom houses where mine is a 4 bedroom, also most of them don't have a backyard, mine has a  good side yard all made up to perfection. 
The Zestimate on my house is {$400000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
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:
I recently checked my credit and noticed many accounts that I do not recognize such as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX etc. I have never authorized any of these accounts nor done business with them. I believe someone has been using my information to get credit and things with it and now my credit is destroyed. Please help me get this matter resolved and my credit cleared as you will see these do not belong to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: Continental Finance Company, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Today, XXXX XXXX XXXX left me a voicemail stating " I received an order in my office today to complete and process several pending matters. You are currently being investigated for. I will be verifying your current address and employer. '' I called them back to find out what it was for - They called from XXXX, but told me to call them at XXXX. When I called the woman who answered asked me to verify my SSN and date of birth. When I asked what company she worked for she said client resolution services. I asked what what this is in regards to. The woman responded an old debt from XX/XX/2015. She said that the last payment of {$100.00} was paid on XX/XX/2015. I said I thought that the XXXX made my account paid in full and I never used the card again because the interest was so high. I said that I disputed the debt until I received confirmation as to what I owe - if anything. She because aggressive and said that I defrauded the company out of many and said that if I didn't agree to a {$37.00} biweekly payment schedule than she would report me to their client as refusing to pay! I said I'm not refusing to pay, but need to ensure if I really owe anything. She said that I should already have it and asked if I would pay {$37.00} biweekly. I said not until I received a letter of what I owe if anything. She put another woman on the phone and the above conversation happened again. But this time, they said that they are going to sue me! Over {$200.00} really?!? They hung up on me. I called again and asked to speak to a supervisor ; they said one is not available. I asked for the address to the corporate office ; they said they would not provide it to me and hung up. Called again, and they hung up on me. And most of all, they didn't not tell me, " we are a debt collector and any information will be obtained for that purpose.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: SunTx Capital Partners
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:
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX  CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX  AND XXXX  AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING

Company response to consumer: Untimely response
Consumer complaint received 2018-05-08
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX XXXX, has a charge off account reporting on my credit profile negative, I have never had an account with this company. They have refuse to respond to my debt validation letter, and proof of claim

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 2019-06-28
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing negative things off my credit. The credit bureau removes it and place it back on my credit and that is hurting my credit debt that doesnt belongs to me. What should I do? I have send the credit bureau police reports fraud paper work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Transworld Systems is attempting to collect a debt and they a. are not licensed to collect debt in Illinois b. Refused to send verification of debt I requested verification of debt XX/XX/22 to Transworld Systems XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX and the letter was returned to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
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: Information belongs to someone else

Complaint:
A debt from a utility company showed up on my report. After XXXX the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX ( XXXX XXXX XXXX ). XXXX has removed the information from my report but XXXX and experian have not.

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 2021-11-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Hey on XX/XX/2021, I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXX purchased my first house through XXXX XXXX XXXX. The initial escrow payment was {$690.00}. Wells Fargo purchased the loan and I made the first mortage payment for XXXX. Each month {$150.00} is applied to the escrow account. On XX/XX/XXXX at XXXX I spoke with XXXX XXXX in the Executive Office. Prior to speaking with her I spoke with XXXX in the Executive Office. I was on the phone for many hours without resolution. On XX/XX/XXXXI received a notice that there is a 1 month shortage in the escrow account. I 've spent hours and hours and been hung up on, ignored and provided tons of misinformation. After many different calls and nobody properly being able to pinpoint why there was a 1 month shortage on my escrow account ( including XXXX from Executive Office ) - I finally got a hold of a young lady at a lower level customer support that was able to pinpoint the problem being in the Initial Escrow Account Disclosure Statement. That paperwork that I signed at closing shows taxes due / collected in XXXX, where Wells Fargo shows XXXX. We both googled XXXX XXXX property taxes and noted they are due on XX/XX/XXXX on their website. Wells Fargo has a 2 month minimum in the Escrow Account and collecting for the full year of taxes in XXXX leaves only 1 month remaining in the Escrow account. I 've read this complaint to XXXX for accuracy over a recorded line.

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 2019-05-17
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Dear CFPB - I want to report TCF Bank Illinois as an institution who practices maximize the amount of fees they can charge their customers. In the agreement I signed when I first opened my checking account, I was told I have until XXXX XXXX CST to bring my account to a positive balance each business day to avoid overdraft fees. However, each night when the bank does it's nightly processing it often processes transactions that have not appeared on your account pending or otherwise and then dates them as transactions from the previous business day. Therefore, you do not have a chance to bring your account positive because this processing is done after XXXX XXXX  CST. I have spoken with my local branch manager about this practice and they defend the bank by saying that they have " no way of knowing '' what transactions are going to be processed overnight. 

Since XXXX of 2018, I have been charged {$2400.00} in fees. Both my husband and myself direct deposit our payroll checks into this account. I refer to my mobile banking app multiple times a day to make sure I am up to date on the transactions coming out of my account and funds available. However, TCF bank 's lack of transparency about all pending transactions leads to exorbitant fees. 

I would appreciate your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
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:
This on responds of a previous complaint to credit reporting agencies, who has refused to block information place on my credit file, I have filed an FTC complaint, and i'm sending my ID, SS, and a utility bill probing my identity and ones more requesting the block of items that do not belong to me. 
I hope these are sufficient proof to place a block, let me know if you need anything else. 

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 explanation
Consumer complaint received 2019-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Check from business was deposited by me to my checking acct via ATM and for the first time ever, a10 day hold was imposed ; both banking institutions are major banks, business and myself are local or within the same city area. I have been to my bank, businesses bank, and corresponded with business personell who provided check to me. My bank is not releasing funds and said the hold is from the issuer 's bank, the person from the business has said the check cleared their bank and the hold is from my bank. The issuers bank will not discuss any part of this with me. I just need either the funds released or be provided the documentation that the check is no good, possibly?

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 2019-06-28
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019 I was at the Old Navy store located in XXXX CA. I told the employee that I want to use my GAP credit card and I do not have my card, so she can look me up and use my rewards too- that is what I do when I do not have my card on me. 
She asked me if my card has a chip, and I replied that I do not recall. She told me that I can request a card with a chip and I will get promotional discounts. It seemed fair and I was happy. She had me enter my SS, which I always do if I do not have my card, and after a few minutes, she handed me my receipt and told me that I got all the discounts and I will get my card in the mail soon. 
I have received an OLD NAVY credit card!!!!! I never wanted to open a card with the store. I already have my GAP card, why would I open another store credit card? 
My credit score has been affected by opening that card while I was trying to work on my credit to get a new job. 
I called the company ( OLD NAVY ) and explained the situation and the representative was very nonchalant and did not show any sympathy towards my case. I was very upset and asked him to close my account and that what he did without an apology, although he totally advised me to pay my balance! 
I felt manipulated and misled. I am complaining because I am very concern about my credit and very responsible the way I use it. 

Sincerely, 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 2019-06-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
A debt from a utility company showed up on my report. After XXXX  the company it appears to be a utility company down south. I live in Massachusetts and have been at my current address in Massachusetts for 4 years. I have never lived down south and get state assistance in Massachusetts. I disputed this information and they told me its accurate and it stayed on my report. I have never had any utility services with XXXX XXXX XXXX  ( XXXX XXXX XXXX  ). XXXX has removed the information from my report but equifax and XXXX  have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received notice from Afni, Inc for collection of a debt today XX/XX/20, print date XX/XX/20. The mailing included notice that a negative credit report may be submitted on my credit record with a credit reporting agency. The " debt '' in question of {$86.00} was stated to be for XXXX XXXX. I contacted XXXX XXXX and they have No record of outstanding or unpaid debt. This attempt to collect is not based on actual debt owed. I have mailed a request for validation of the debt to Afni, Inc as I dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Experian Information Solutions Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the past 7 years I have been trying to remove a debt on my credit report from XXXX from XX/XX/XXXX. It was a service that I no longer wanted and let go of but no one from XXXX would help me out. 7 years later and XXXX XXXX and XXXX were able to get it off but when I disputed it with experian, they refuse to take it off and tell me that it wont come off until XX/XX/XXXX, which is wrong because this year is the 7th year, I was told this by XXXX ( XXXX  ) and XXXX  ( the collections agency  ) that the debt would fall off the credit report this year in XX/XX/XXXX. The only reason I never paid this debt was because I felt like I was billed incorrectly and when I originally went to go resolve the issue with XXXX no one would help me. Once again, I was able to get it off XXXX XXXX and XXXX   but experian refuses! I have made 3 disputes with them and they still do nothing for me. I called XXXX ( XXXX ) themselves and 2 representatives told me that it would fall off my credit report in XX/XX/XXXX! This is the only debt Ive ever had on my credit file and the only reason its there is because I felt incorrectly billed and no one, at the time, would 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 non-monetary relief