BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: UT
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:
The payment history on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, some are reporting late on some months 60, 90 days late! Where do this numbers came from? They are completely inaccurate. The accounts were paid on time, they were not even being reported to the credit bureaus when I was still paying it.. The loan was paid off in full and the account was satisfied as agreed, please remove the error from my credit report ASAP

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 2020-02-14
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has thousands of complaints on the XXXX XXXX XXXX website from others stating that they receive harassing and endless phone calls from this company. Most reports say this company is a SCAM. They continue to call my phone every day, multiple times a day. They never leave a message.

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 2019-08-02
Company: EQUIFAX, INC.
State: UT
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:
In all the years that I've been doing business with companies, I have never purchased anything from these companies, nor was I notified about the collection.. I do not recognize these companies and I do not owe them, remove this from my credit report XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXXL XXXX XXXX XXXX XXXX ) -, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Over the past few months, Synchrony Bank has been slowly dismantling my credit accounts with them. Theyve taken away my home repairs account and most recently my discount tire account. My standing with this institution has been perfect. Always on time payments including large payoffs and yet they turn around and cut off two of my most important cards for my families home and our vehicles. Shame on this pathetic excuse for a bank. Obviously they do not look out for people. I know Ill get some canned response from them but frankly I dont want it. Its disgraceful what theyve done, cutting off two important lifelines. I simply can not say enough how upset I am with this lowly so called financial institution. Stay away from Synchrony bank!

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 2021-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
XXXX claims I opened an account with them on XX/XX/2021 for {$1000.00}. I have never opened an account and know this to be fraud. I have disputed this account and each time they claim it not fraudulently opened. First they say I have made 2 payments in XXXX and XXXX and only owe {$450.00}. I have checked my bank statements from my only bank account and have never made any payments to XXXX. XXXX refuses to provide any answers as I am not a account holder but on my credit report says that I own the account. I have never received any information via mail, email, electronic communication or phone. I have never wet signed it electronically signed any documents pertaining to this debt or account.

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 2022-01-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I checked my credit report ( XXXX ) and saw an account by a company calling themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX. 

I do not, never did have an account alleged or otherwise with this company. I attempted to bring this matter to a close by sending correspondence to XXXX, their parent company XXXX XXXX XXXX XXXX, and their Registered Agents with no results. 

According to the 1974 Privacy Act, I have the right to correct the record and attempted to do so to no avail. 

XXXX XXXX, it is believed has violated at least 10 title 15 U.S. Code violations ( see attached Notice in the form of an Affidavit XXXX and related documents ) The packet ( attached ) was sent to XXXX XXXX and the Registered Agents. The only communication received was from a guy calling himself XXXX XXXX XXXX of a lawfirm calling itself XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX. This came through the United States Postal Service and was unsolicited. His offer through the mail possibly violates title 18 1001, 1002, 1341, 1342 and needs to be addressed immediately.

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 2021-10-10
Company: Experian Information Solutions Inc.
State: OH
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 third party collection agency XXXX XXXX XXXX, I have no knowledge to whom this company is nor why they have my personal information attempting to collect a debt. Since I have no knowledge of this company nor have ever heard of them, this needs to be removed from my credit report. I thank you in advance for carefully looking into this matter on my behalf to remove this creditor and this account. Also, I still see my name misspelled of my reports that I have requested to be removed. Please remove those names off of my report. Each one of them seems very suspicious that they would be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I attended XXXX XXXX as well as XXXX  from XXXX to about XXXX between both schools I currently owe {$90000.00} in student loans. I havent been about to land a job with neither due to the school not being considered acceptable to a lot of different companies. This has really been hard for me as well as being able to even afford to pay the loans off. Can someone please help me with this issue! XXXX XXXX has closed down and has even made things worst for me when trying to get a job!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: DISCOVER BANK
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I closed this account but they contacted my XXXX XXXX and reopened it with him, I asked to be removed from account they will not so I insisted they close again. Now XXXX years later XXXX is not paying but discover will not allow me to pay because I dont not know mailing address, card number or security question but they can pull up account by my ss #. If they will not allow me to pay it should not be reported to my bureau dropping my score significantly. XXXX XXXX removed this account I would like all bureaus to see this as well and remove this account. I dont think I should be accountable for something I cant control. I spoke to supervisors at discover and they apologized but could do nothing for me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX, I received and email stating my new card was on it 's way. On XX/XX/XXXX, I was resetting my password for my Capital One savings account when I saw 2 usernames linked to my email address. The second email address : " XXXX '' was not an account that I opened. I called Capital One savings customer service and was transferred to their fraud department. The representative in the fraud department deactivated the fraudulent online account and forwarded my case for investigation by Capital One. The representative told me that the charges were not my responsibility, because they were not made by me and to wait for a letter from Capital One. I activated the 90 day fraud alert and waited for the result of the investigation from Capital One. On XX/XX/XXXX, I received 2 letters from Capital One dated XX/XX/XXXX. One letter stated in " As part of our {$0.00} fraud liability promise, you were not held responsible for any fraudulent charges. '' The second letter listed all the fraudulent charges as not fraudulent and I was being held responsible for the charges : XXXX XXXX, XXXX, XXXX, XXXX, XXXX in the amounts of {$54.00} ; {$190.00} ; {$200.00} ; {$200.00} ; {$220.00} ; {$320.00} ; {$340.00} ; {$380.00} ; {$390.00} ; {$400.00} ; {$1300.00} ; {$1400.00} ; {$1800.00} ; {$2400.00}. I never received or activated the Capital One credit card, because it never arrived. A false online account was opened at Capital One, which I assume is related to the missing card. I would like to know how the card was able to be used when I never received nor activated it and how it was possible for a fraudulent online account to be opened. I do n't even know my credit card number. How was information I only sent to Capital One obtained by a third party who fraudulently activated my credit card and opened a fraudulent online Capital One account? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: SYNCHRONY FINANCIAL
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX/XXXX is reporting inaccurate information on my credit file. They are reporting a balance of over {$8000.00} and I had the balance down to {$1000.00}. How could it now be 8x the amount I had owed/paid it down to? When I call them nobody can access my account. Nobody can help me & they just transfer me around. This is old & erroneous. How can a company just charge whatever they want!?

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 2022-02-19
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Closed on my home and taxes were paid at closing. BSI Financial paid the taxes out escrow and I called to advise them to refund is needed. Called on XXXX XXXX, XXXX XXXX ; XXXX. I was told account will need to investigate and call me back with the finding XXXX hrs. Well is been over XXXX hours as Wednesday XX/XX/2022 and it Friday XX/XX/2022 no call or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
From my XXXX XXXX account I accidentally send a {$400.00} payment to CitiBank Credit Card ending # XXXX on XX/XX/XXXX, XXXX to an Citibank account that had been closed for five years. I owe them nothing, I closed the account because the interest was to high. Noticing the mistake, I phoned CitiBank Customer Service first on XXXX, XXXX, XXXX, to report it and asked for them to return the funds back into the account @ XXXX XXXX  that it came from. This was impossible they told me, but that a check would be sent. No check. On XXXX, XXXX, XXXX, I phoned again, to find that the check had not gone out, but was in process. Nothing. On XX/XX/XXXX, XXXX, I called again to find the check supposedly to return my funds was still in processing, or so they said. I asked them to send it electronically, but they said they could not do this. I told them my local XXXX does the exact same thing in five seconds. They will NOT return my monies, and no matter how many times I call they say the same thing .... 

CitiBank is refusing to refund monies sent to them accidentally to a closed account from my online XXXX XXXX account, and still as of today, no check, no refund, and no assistance.

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 2017-07-10
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CONVERGENT OUTSOURCING CONTINUES TO UNLAWFULLY REPORT TO XXXX AND XXXX DISPUTED 3RD PARTY DEBT TO WHICH CONVERGENT HAS NOT PROVIDED DOCUMENTS TO VERIFY AND/OR VALIDATE THE DISPUTED DEBT. I HAVE NEVER HAD A XXXX ACCOUNT AND CONVERGENT HAS ONLY EVER PROVIDED XXXX STATEMENT ( S ) ABSENT ANY OTHER DOCUMENTATION. CASE LAW IS CLEAR THAT SUCH STATEMENT ARE INSUFFICIENT.

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 2017-11-15
Company: CITIZENS FINANCIAL GROUP, 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 an Inquire from Citizens Bank on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Resurgent Capital Services L.P.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I need to report LVNVFUNDING LLC for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late 120 DAYS and not show in the payment history their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been a customer with this bank since I was XXXX XXXX XXXX. Over the years they changed names and been bought out but I always stuck through with the same account. Since it became peoples United bank I have never had so many issues. 
I have been on partial unemployment due to covid and working part time at my job for 11 years. Unfortunately most of our staff has quit because of vaccine mandates which has effected my hours greatly to the point I have not been scheduled. I figured I can collect while I find a new Job for the time being. Unfortunately at the same time I also been cut off unemployment completely. I have a family of XXXX. XXXX children. We now live off of one income. I cant afford daycare and this has all happened with in 2 weeks. My life has been completely flipped up side down. Now Im scrounging up change to buy milk. Its very overwhelming how much can change out of your own control. During this time, bills were still being paid. I have since then turned off all automatic bills in my account. I have been in negative for two weeks and since Im in negatives I been hit with 16 over draft fees. XXXX  dollars total. This is an excessive amount of money for over draft fees all at once. I cant get my account out of negatives because I dont even have the funds to do so and the 16 over draft fees has made it impossible. Top priority is to keep my mortgage in good standing and food in the kids bellys. Please take my situation into consideration and wave some of these over draft fees. 
Thank you XXXX XXXX XXXX XXXX, 2021 2021

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-15
Company: TD BANK US HOLDING COMPANY
State: NY
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:
today td bank association charged my account XXXX dollars overdraft fee without even notifying me.they assumed that my acccount was negative which it wasnt and they keep charging me overdraft fees.they did this many times since 3 months and they never refunded back my money.today XXXX XXXX 2017 they charged my accoount XXXX dollars overdraft fee.they wont give my money back and their managers are very rude and nasty.i wanted to file a complain adn try to get my money back from td bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently been informed that there is a negative information reported by XXXX, Experian XXXX XXXX  in the file they maintain under my social security number. 
I challenge the accuracy and compliance of this listing. I have requested that the reporting company verify the accuracy of the information disputed, but failed.. I request that you take further action. Either send me evidentiary documentation supporting your verification or delete the accounts from my credit report within thirty days XXXX XXXX XXXX reported as 30-60 days late, XXXX XXXX XXXX  ( transferred/sold account ), XXXX - reported charge off, XXXX XXXX - reported closed/late account, XXXX reported as open an account/transferred

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 2022-02-19
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX 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