BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: SYNCHRONY FINANCIAL
State: GA
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:
Synchrony bank and its affiliate Belk, gave me misleading information in the credit application process, just two months after approving me for a credit limit of just {$300.00}, I guess this was to benefit from interest charges from me. I then became unworthy of doing business with them as they have sent a letter in the mail stating my creditworthiness is not up to their standard and they have reduced my credit line to {$190.00}. Why did they not tell me in the first beginning i was not WORTHY of doing business with them, I feel unfairly treated, abused and that they have deceptively drawn me into their scheme of consistently treating consumers unfairly. They have monopolized the retail market and if you don't have the worthiness they are looking for is that how they treat customers? Consumers who actively pay their credit statements and stay within guidelines should not be put to shame as how they have treated me, it's as if they are telling me we don't want your business please leave. I have seen numerous complaints about their business practices and it seems as if they consistently oppose the Dodd-Frank law with the UDAAP activities they offer to consumers everyday.

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 2019-10-23
Company: GREAT LAKES
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Between 2007 and present day, I have paid my student loan payments. As a XXXX in a XXXX school in Ohio for the past 13 years, I expected to now qualify for loan forgiveness. I have come to learn that I was LIED to for years about having been " on track '' for student loan forgiveness from the various servicers on my account. It is beyond disgusting that the federal government would permit these companies to provide deliberately misleading practices and information that would harm public service workers and cause them to encounter denial for forgiveness. It is no wonder the denial rate is 99 %. These predatory companies KNEW that they could get away with ripping us off for years since it wasn't until the 10 year mark that their deliberately deceptive practices would be discovered. Please do something to help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$270.00} XX/XX/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 2018-02-17
Company: On-Site Manager, 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: Public record information inaccurate

Complaint:
I applied for an apartment and was denied because my credit report states " civil action for possession under landlord tenant records. 
The rental property was in my parents name when I was in high school and the rent was only paid late. We have the documentation that states it was dismissed by the court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-03
Company: JPMORGAN CHASE & CO.
State: OH
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:
XXXX XXXX XXXX XXXX report on my inquiry XX/XX/XXXX on XXXX. Did not apply for credit with this creditor and did not give authorization. Called XXXX  and XXXX to remove from my inquiries no action taken. 

XXXX XXXX XXXX XXXX reported on my inquiry XX/XX/XXXX on XXXX did not apply for credit with this creditor nor gave authorization. Called both parties to remove the inquiry from my credit report. No action was taken. 

Chase Card was reported on my inquiry on XX/XX/XXXX did not apply for a chase card  and did not give authorization to check my credit. The inquiry was placed on my XXXX and XXXX XX/XX/XXXX. Called all three parties to have them remove it and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: FAN Distributing, LLC
State: NJ
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:
There is an account showing in collections/charge off for XXXX $ from a company called XXXX XXXX. They have a phone number listed on the credit report as XXXX. This number is out of service and the recorded message states this is a mobile number and the mobile number you have dialed is no longer in service. It also lists an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I have sent numerous debt validation letters and general letters asking for any documentation and no response is ever returned. 

First off, I do n't have anything knowledge of opening such an account. I do not know what it is nor can I get any information on this. I have set 3 debt validation letters with return receipt and receive no answer back. 

I have disputed this over and over, numerous times over the past 2 years and with no luck. Each month the balance goes up by about 27 to 35 . I have reported this account as fraud and ca n't find any information on it. I have never received any correspondence or phone calls from any company or collection company claiming to have this account placed for collection. 

This account has been on my credit report since XXXX with an initial balance of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: CCS Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CCS Collections reported their unverified medical account to my credit file on XX/XX/2021 and XX/XX/2021, and XX/XX/2021. I have no idea how CCS Collections received my personal medical information. I have not agreed to do any business withCCS Collections, I have not received any goods or services from CCS Collections, nor am I responsible for their debt collection purchase from their alleged client. CCS Collections, has flagged my credit before without first proving their account ( s ) belong to me. Each time CCS Collections failed to validate their debt. CCS Collections have once again violated my H.I.P.P.A. rights and is attempting to collect on an alleged debt that does not belong to me. CCS Collections continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. I will upload proof upon request.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: M&T BANK CORPORATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was originated by XXXX XXXX XXXX and sold to M & T Bank. Since taking over my loan M & T Bank has engaged in a campaign of harassment concerning my HO6 insurance coverage. They initially sent several notices claiming to have no proof of my insurance however this was included with my mortgage documents. After providing them with the proof, they again claimed they had no proof and now wanted the property address to include a unit number. I complied with this request. They have now created a fictitious address and attached it to my loan and are again demanding HO6 insurance information. Each demand includes a threat to attach HO6 premiums to my loan and includes FDCPA language concerning an attempt to collect a debt. I brought the matter to their attention and was told I would be contacted last week with resolution. Instead I received a further 4 notices again referencing the fictitious property address and threatening collections.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: PA
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 have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.

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 2019-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: GA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$11000.00}

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 2020-07-16
Company: Aargon Agency, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This is the fourth time I have disputed this. I have not received or heard anything from AARGON Agency. The credit bureaus responded by saying verified. HOW! When this was XXXX in bankruptcy. Transunion indicates balance XXXX and the account status paid. XXXX  indicates the balance is {$290.00} and the account status is derogatory. XXXX  has not reported in the comments chapter XXXX bankruptcy. It appears per the credit report that this company is still trying to collect on this debt. Also, the date of the last activity is completely off and not reporting accurately. Per the FCRA my rights have been violated because this is not reported accurately or Fair.

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 2021-10-27
Company: SYNCHRONY FINANCIAL
State: NY
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 don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft SYNCB Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft USDOE/XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft USDOE/XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX SYNCHRONY BANK Account Number : XXXX This is not mine. 

7. XXXX XXXX Account Number : XXXX This is not mine.

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 2019-10-23
Company: EQUIFAX, INC.
State: PA
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 have a XXXX account on my credit file that has TWO VIOLATIONS of federal law. First off it was opened in XX/XX/12. There were no payments made on this account ( Account number prefix XXXX ... balance listed {$1900.00} ). Credit Bureau standards are to remove these items 6 years and 9 months from the obsolescence date. This is within that time frame and must be removed. 

Secondly, XXXX has issued a 1099 for this debt. I tried to call and make arrangements on it and they would not accept money. It is against federal law for them to report a balance to the credit bureaus that may not be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: Skrill USA, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/19, approx XXXX, XXXX contacted me stating she was with XXXX, our accounting software, that our subscription has expired so to avoid delay, need to pay. I asked 100 questions, to which she provided the information. Our account name, address, the ending credit card # on file, sent me an email which looked legit from XXXX. I questioned the amount, she had an answer of course. I gave her the rest of the card info, requested a receipt which she sent but she was NOT with XXXX, company named Skrill. We do not work with them. I contacted them, said cancel, no responses and I called the credit card company. Until the charge processes, I am unable to dispute or cancel. I also contacted XXXX, they agreed - this is a scam, they did NOT contact us for this information nor do they need to, the info is stored in our XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Experian Information Solutions Inc.
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:
Experian Credit Report states : " You Have 5 New Late Payments. Your report shows 5 new late payments in the last 60 days. If any look unfamiliar, it could be a bank mistake or a sign of fraud, and you can dispute it. '' 1. XXXX XXXX XXXX XXXX Past Due Amount : {$22000.00} 2. XXXX XXXX XXXX  Past Due Amount : {$5100.00} 3. XXXX XXXX XXXX  Past Due Amount : {$4200.00} 4. XXXX XXXX XXXX  Past Due Amount : {$3400.00} 5. XXXX XXXX XXXX  Past Due Amount : {$2700.00} None of these accounts is past due as there is no monthly payment due to the creditor. Each of the listed accounts is disputed as fraudulent, and the creditor wrote each of these accounts off and issued Form 1099. The creditor has abandoned their claim and is not attempting to collect or prosecute a claim hold. I have provided the creditors my address and contact information should they wish to contact me, to no avail. It is improper for Experian to place a false statement on my credit report, to wit : " You Have 5 New Late Payments. Your report shows 5 new late payments in the last 60 days, '' when that is not the factual case.

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 2018-02-18
Company: ALLY FINANCIAL INC.
State: GA
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 have a closed auto loan account with Ally Financial that I paid off in XX/XX/XXXX. It was reporting to XXXX, XXXX, and XXXX for its entire tenure. For some unknown reason, it stopped reporting on my XXXX  report. I contacted XXXX  for them to put it back on my report. I've sent in documents from Ally Financial numerous times to XXXX  and had Ally Financial to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to XXXX documenting the account.The loan still shows on XXXX and XXXX, but not XXXX. Myself, along with Ally Financial, have been asking XXXX to update my credit file with my Ally Financial account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with XXXX because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .

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 2020-07-16
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: Information belongs to someone else

Complaint:
I continuously received bills in the mail that i was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. Igot my report back and I was furious with the anount of items on my report that I know do not belong to me. Please remove these items off 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 2023-02-14
Company: Experian Information Solutions Inc.
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-28
Company: EQUIFAX, INC.
State: PR
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 go to a dealer for buy q car and they make a lot of hard inquires 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 2021-02-08
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This has been ongoing for years. The company that is giving me problems is Overton, Russell, Doerr and Donovan, LLC. I had a few Charge off accounts from XXXX sent to ORDD. Over the past few years I payed off all accounts that they say I owed to them. They refuse to give me any form of paper or file stating that my accounts are paid in full and closed, they say it is not there responsibility. They will however confirm that the accounts have been paid in full and closed over the phone. XXXX is still saying, after 4 years that I owe them {$260.00}. I have no way of proving to XXXX that it has all been paid in full. XXXX has been continuously reporting to the credit bureaus that I owe them and it has been negatively impacting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation