BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/21 approx XXXX I received a phone call on my cell phone from XXXX A recorded message stated that there was a questionable charge for an XXXX on my XXXX credit card and that they had put a hold on the transaction. I was to press 2 for assistance. I did and was connected to a person. I felt uncomfortable immediately so stated I had a bad connection and would call in. 
I call into the servicer of my XXXX XXXX ( XXXX ) and was told my account was fine. - no flagged activity. They suggested I contact 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 2021-04-29
Company: American Coradius International LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collections letter in the mail from ACI ( American Coradius International LLC XXXX in XXXX. Since it did not list my name correctly, I assumed it was spam. At the time I also reached out to the originator of the debt to see if it was a scam and XXXX never responded to me. 

ACI sent another letter, again telling me I owed this dept. This time I replied and asked them to explain what the debt was. I received a letter in the mail that listed the debt but all of this information is new to me. 

The identification that is close to mine is : Most of my first name ; All of my last name ; Most of my address. The other identifying information in this letter lists email addresses and persons unknown to me. Other identifying information that is unknown to me includes bank account information and transaction dates. 

This is identity theft. I have reached out to the original debtor ( XXXX ) and told them as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My XXXX XXXXXXXX credit card was reported with a {$71.00} balance but my balance is {$0.00}. See attached

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 2020-05-21
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by a company, Nationwide Credit Corporation ( NCC ), concerning a bill for XXXX XXXX ( XXXX  ) that was paid in full in XX/XX/XXXX. The company states that they were contracted in XXXX of XXXX to collect the amount, and XX/XX/XXXX is also the first I became aware of the bill directly from the company because of an incorrect mailing address they were using, not sending mail to my new residence on file with them. I contacted XXXX  immediately upon notification from XXXX  related to the bill and paid the bill amount in full at that time. NCC contacted me in XX/XX/XXXX regarding the amount, stating that XXXX  is their client and that they are collecting the amount. They state that I owe them XXXX, the final amount I paid to XXXX  in XX/XX/XXXX. NCC would not contact their client, XXXX, and instead wanted to collect more personal information regarding my accounts. When I spoke with XXXX in XX/XX/XXXX they stated that the matter was internal and that they would not send the bill to collections and that at the time of talking with them the bill has been paid-in-full, especially when it is related to a communication error on their system side. None the less, NCC states that they will not communicate with XXXX  and XXXX  does not have to communicate with them in regards to teh amount that has already been paid. NCC is engaging in bad business practices of collecting on amount that are not due and not conducting post-operation reviews to check the status of accounts related to collections for their clients. I have contacted XXXX multiple times since the communication from NCC, and XXXX has assured me there is no amount owed and that no amount should have ever been sent to collections. NCC has a due diligence as a collections agency to ensure they are collecting on proper, up to date, and accurate account debts, but to collect on accounts that have no discrepancies and are not due is to lie to the consumer, accuse them of bad financial practices, assault their credit credibility, and over collect on bills that have long been paid and should not even be considered a debt since they were paid in full at the time of balance due. NCC informed that they will not engage in confirmation with XXXX  that a balance is owed and would not verify the validity of their call took place almost two years after the utility bill was paid. It is unrealistic to ask most American to be able to vouch for their bill payments multiple years in the past, but I luckily keep good records of even small payments for just these predatory practices by agencies working to prey on people for false debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX   XXXX {$1300.00}

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2020-12-03
Company: Experian Information Solutions Inc.
State: WA
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: Was not notified of investigation status or results

Complaint:
I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXX Account Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX   XXXX {$1300.00}

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 2023-02-27
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXXXX/XX/2023 ; XXXX XXXX XX/XX/2023.

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 2018-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This XXXX XXXX account # XXXX or account # XXXX has been paid-in-full. XXXX XXXX was contacted directly on XX/XX/XXXX and again on XX/XX/XXXX. It is not " Derogatory '' or in a " Payment Plan ''. It should be listed as " closed ''.

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 2020-05-21
Company: SYNCHRONY FINANCIAL
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 have an account showing on my credit report as a charge off for Synchrony Bank/ Mattress Firm and have asked for validation of the debt with nothing provided. This is affecting my credit and I would like it removed.

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 2019-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I had a visit from a XXXX authorized dealer ( XXXX XXXX XXXX ) to my house on XX/XX/2019 letting me know about promotions XXXX is running. After our conversation he told me he needed to check if I had any outstanding balance due with the company. I gave him my SSN number and specifically asked him not to run my credit and he assured me that he will only check if I had a prior balance with XXXX. After he left I found out that I had a hard check on my credit report. I immediately contacted Trans Union credit bureau and was told I would need a letter of deletion to remove this unauthorized credit pull from XXXX. I contacted XXXX and explained the whole situation to them and was told they can't issue me a letter of deletion. I'm in the process of buying a new car so this unauthorized credit check has severe financial implications for me. I'm not getting any help from XXXX in this regard and Trans Union is not willing to remove it without the letter of deletion. I would really appreciate your help to remove this fraudulent credit inquiry on my credit report. 

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: CAVALRY INVESTMENTS, LLC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I sent a validation request letter to Cavalry Portfolio Services via certified mail in response of a letter revived by them on XX/XX/XXXX stating that I allegedly owe them a debt. They have received and signed the return receipt on XX/XX/2021. It was signed by XXXX XXXX. I clearly stated that my letter is a VALIDATION and NOT a VERIFICATION letter. After that, I received a letter from them stating they have reported the account to the credit as disputed as well as stating that the account is " verified '', although I clearly stated that I am requesting Validation not Verification. It is now Wednesday XX/XX/XXXX, more than 30 days later, they have NOT provided the validation I requested nor have they removed the debt collection from my credit report. This is a clear violation of the COLLECTION PRACTICES ACT. They have no right to go after me to collect debt from now on since they have failed to provide VALIDATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit report shows the mortgage still open when it was closed on XX/XX/2019. I contacted Freedom and they shiw it closed but the report is nit updated, whuch affects my credit rating negatively.

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 2021-10-07
Company: JPMORGAN CHASE & CO.
State: VA
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 spoken to jp morgan chase numerous times about them reporting my loan 30 days late on XX/XX/2017 and XX/XX/2017 on all three credit bureaus. I have also disputed this multiple times with all three bureaus and nothing comes back of any proof or how this was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Citibank fails to apply a payments appropriately. They has created a practice where i can not pay a revolving balance without paying deferred balances 2 months early. 
They allow no way to adjust this. Not by a phone call, email, in person payment. 
Background : I use 'promotional deferred interest on purchases ' offers monthly. 
In XXXX of 2020 I had a deferred balance come due. 
I made a payment to pay the XXXX deferred interest balance in full. 
Instead of the payment being applied to the XXXX deferred interest balance it was applied to the XXXX deferred interest balance that was not due for another month. When this occurred, the deferred interest from the XXXX promotional balance was charged to my account ( placing {$1500.00} ). 
I called immediately and the interest was withdrawn.However the situation was not fully corrected. The XXXX deferred balance was put into a revolving interest accruing balance. 
The situation now is that i can not pay off that revolving balance and each month i get charged interest. I have contacted them several times to correct this. 
Citibank has a policy that they refuse to apply payment to a revolving balance when there is a deferred balance coming due within 2 billing cycles. 
I have made all payments on time. I can not get the revolving balance paid off. I didn't Additionally, they have created a deceptive practice of advising the customer, to pay a certain amount to avoid interest charged. I met that value and still was charged interest. 
When questioned about that announcement showing a value to avoid interest, i was told that is a courtesy and they don't have to follow that. 



.

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 2019-03-14
Company: Focused Recovery Solutions, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
focused recovery XXXX XXXX XXXX didn't take it off my credit report and i dont owe XXXXXX/XX/2015 and the account was closed it has not been removed from my credit report. also i had to send complaints to the XXXX in XXXX va cause another company XXXX  closed the account but XXXX XXXX  is asking for the XXXX XXXX turned it over to another collection agency and i sent the paperwork to the XXXX  cause XXXX still wants there money so i need u to please take care of the this for me i talked to XXXX XXXX  and they keeper telling me i owe and they were nasty on the phone with my wife so nothing has been resolved yet and i tried find the feed back on my complaint before u close it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: PNC Bank N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I'm relatively new to the world of credit, I applied for one PNC Bank Credit Card and got declined, then the internet popped up more applications and I did not have knowledge that applying to other credit cards would hurt your score, so I applied to others and now I have some dings to my credit and credit card companies have sent rejection letters back saying that I have too many inquiries. Is it possible to get these inquiries off my credit report? I had no knowledge that applying and getting rejected hurt my credit and these websites like ( XXXX XXXX ) made it seem too easy to apply and it never warned me that it would hurt my credit. If i could get these dings off my credit it would definitely help, thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I've contacted Navient in the past about the amount of the student loan they claim I owe. I've never received the amount they claim I owe in education benefits, they can not produce a contract with my signature stating I agreed to that sad amount, recently I was informed Navient is transferring the student loan to XXXX, I never consented to this contract and I reserve all my rights concerning this matter, there was a lack of consideration based on the pretense that I owe this student loan. I never received the amount Navient claims I owe. I believe that is called fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
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: Account status incorrect

Complaint:
In XX/XX/2018, I sent a validation letter to all three credit bureau 's. XXXX responded back stating this debt was not valid, and would be removed. I sent a follow suit letter to XXXX, along with Equifax. They as well agreed that this debt was not valid. Upon recently checking my credit report, Both XXXX   and Equifax have NOT removed this debt off of my report.

Company response to consumer: Closed with explanation