BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Citibank. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 2020

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 2017-12-10
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:
On XXXX XXXX, XXXX, Equifax added a collection account to my credit report for a medical bill resulting in a drop in my credit score. The only way I knew the collection account had been added to my report was when I applied for a mortgage loan on XXXX/XXXX/XXXX and the loan officer informed me. The only information provided to the officer in their report was the claimed collection amount. The collection account did not include a collection agency name, it literally says N/A, it did not include contact information or any information regarding the account. Equifax made no attempt to validate the collection or collection agency information prior to adding it to my credit report. When I contacted Equifax, I was informed that my personal data was compromised in the XXXX XXXX data breach. The customer service representative I spoke to " strongly encouraged '' purchasing additional security monitoring from Equifax to avoid future fraudulent activity. When I declined, the representative informed me that there had been no validation attempts by Equifax, that it was most likely the result of the breach, but that nothing could be done and the collection would remain on my credit report for 7 years even if paid off. I informed the representative that I had attempted to request a credit report online and the system refused to allow me access to review the account for other signs of fraud. I also informed the representative that I had filed a dispute on XXXX/XXXX/XXXX and my credit report was not reflecting that the item was in dispute. The representative provided me with a confirmation number and informed me that I would possibly have a response in 30 days. I have attempted to check status on the dispute using the provided confirmation number and can not find any information on it. My loan officer advised me that my current credit report does not reflect said dispute. The collection agency information provided by Equifax does not include a phone number to request more information. The collection is a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. Why do they send me a volunteer payment coupon. 

2. Am I Obligated to pay the mortgage if it is a voluntary payment. 

3. Why do they report to the IRS that the P/B amount owed is XXXX 4.And the amount showing on the mortgage statement as XXXX 5.Please Explain the months that I am delinquent 6.The difference between the amount reported to the IRS and the amount on the monthly statement is XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX, to remove personal information, address, account name & account Number that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint & I am including it again., XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$75.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$270.00} XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$920.00} XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX Medical XXXX Balance XXXX {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$180.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX XXXX : {$220.00} XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX NC ) XXXX XXXX : {$340.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX Balance : {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

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 2019-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.

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 2020-07-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving multiple phone calls and voice messages every day for almost a year from Synchrony Bank regarding an unpaid Discount Tire bill. The messages claim that the bill originates from Florida, however, I live in Texas. Additionally, I have never done business with Discount Tire. I have repeatedly looked into the issue to see if it is a scam, and it appears not to be. I contacted the company about the issue and the calls stopped for about a month, however they have returned recently with increased frequency.

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 2019-10-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XX/XX/XXXX, I called Synchrony Back because I would not be able to make my payment on time. I signed up with them since XX/XX/XXXX and I have rarely missed a payment. AfterXX/XX/XXXX, I ended up having to call them every month. I would make payments but they would also charge me a late fee. If I called them every following month they would correct it but in XX/XX/XXXX they did not remove the payment and said it would have to go through a review process when I called them inXX/XX/XXXX. I was upset, so I canceled the card with only a XXXX late fee on my card. They said they would resolve it so I hoped for the best and now they are still charging the closed card late fees, which are now at {$99.00}. They want me to pay a portion to clear the card but {$0.00} of that {$99.00} is what I purchased with the card. Every time I try to explain this, they talk in circles about when various items were posted and I have to explain why that is not the case and revert to the late fees that were tacked on versus the ones which were removed. I do not have this issue with any other card and they only recently updated their late fee policy this XX/XX/XXXX. I truly believe it is a glitch in the automated software or in their customer service training but I do not want to pay them for unjust charges or have this hurt my credit.

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 2020-08-02
Company: AFNI INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Afni, Inc has placed a collection on my credit profile for {$78.00}. The alleged original creditor is XXXX. I have NEVER had services with XXXX. This erroneous collection is tarnishing my credit worthiness when it shouldnt even be on my credit profile to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
*To Whom It May Concern, The reason for my dispute is CHOICE RECOVERY INC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports XXXX in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CHOICE RECOVERY INCfailed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX   is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have student loans with the University  of XXXX back in XXXX-XXXX, University  of XXXX from XXXX, XXXX XXXX university ( Parent Plus ) from XXXX-XXXX and XXXX-XXXX and XXXX university ( Parent Plus ) from XXXX-XXXX. 

Over the years I have not had the money to pay and what should be a principal amount under $ 150K in loans is now upwards of $ 650K which includes interest based on deferments and forbearance requests as I could never get Sallie Mae or Navient to get me on a repayment program that agreed to on the phone. 

I am currently repaying 1 of 2 loans ( one is mine ) and the other was cosigned by my wife as that was the only way I could get a consolidation loan even though my wife doesn't and can't work. I have asked to have her released off the note so that if I die she isn't responsible for $ XXXX in loans that isn't hers but they refuse. 

My current loan payment on loan XXXX is {$1700.00} per month which took almost a year to come up with after being told they could get me a payment of {$1000.00} per month. Had I not started paying this amount my loan would have started the default process in XX/XX/2019. 

What's worse is that loan XXXX has a balance of $ XXXX and I can only imagine what my payment will be on that when it comes out of forbearance. I had to use the forbearance as I  could not get navient to get my payment low enough to be able to pay both loans at the same time. 

I honestly don't know how I will ever get these paid off at an 8.5 % interest rate and don't have good enough credit to refinance so that I can get my wife off the loan. Who let 's someone use 20+ years of forbearance and deferment? It's like giving an alcoholic a drink each day after he finishes his alcoholics anonymous meeting. 

I was finally at the point in my life about 10 years ago that I could afford repayment but could never, ever get anyone to get me a repayment plan that I could afford. My attorney told me to just pay something ; however, if I didn't pay the full amount I would be in default. 

I NEED HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NV
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 so annoying & frustrating. Ive sent EXPERIAN multiple letters that XXXX the XXXX whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA XXXX XXXX Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of item that is UNKNOWN to me : XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$7200.00}

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 non-monetary relief
Consumer complaint received 2021-02-28
Company: Bread Financial Holdings, Inc.
State: AL
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 am having problems after I filed a chapter XXXX bankruptcy. Credit card accounts that was paid off to XXXX  is reporting that was included in my bankruptcy and putting all this fraudulent activity on these accounts they closed due to me filing bankruptcy. I disputed the accounts and told them they was not included and for them to update and remove the fraudulent information and only one company compiled from the investigation. I have proof they was closed and not included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-10
Company: Experian Information Solutions 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:
A Chapter XXXX Bankruptcy Dismissal is being reported on my credit file. Ref # XXXX I 've reached out to the bureaus to ask them to remove this reporting because it 's affecting me severely. I 've even express to them that because of the reporting It 's preventing me from receiving a promotion that was offered and I really need. The bankruptcy was filed in XXXX but was withdrawn shortly after. I did not go through with the procedure. I instead borrowed money from friends and family to pay off my outstanding debts. 
I 've send numerous rounds of letters asking for it to be removed. XXXX not only refuses to remove it but refuse to send me their method of verification and documents from the courts they claim they got the information from. I 've informed them that I spoke to some one within the court/ and department of records who notified me that XXXX did not verified with them and will not because they do not give out or report any such information. each time they claim to have verified, I asked them for proof and they refuse to send it. I 've asked them to please delete the negative Item if they will not honor my request and they still refuse to. The last letter that was sent out to them was dated on XXXX XXXX. That letter came back verified and they still did not honor my request.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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