BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-25
Company: SYNCHRONY FINANCIAL
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 opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report Synchrony says they own my account The account number they have is not my account number. I never opened an account with Synchrony bank and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the 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 2020-04-25
Company: EQUIFAX, 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:
These are not my accounts, nor did I live at these addresses. I also didn't authorize these companies to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
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:
I have been a victim of identity theft, I recently submitted a list of 25 accounts to each credit reporting company. Transunion has fixed these errors but I am still waiting on XXXX and XXXX  to comply. In the mean time I got a update that a new fraudulent account was added yesterday so I have attached it here to be 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 2019-03-04
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX , XXXX on XX/XX/2019 but was sent out from their office on XX/XX/2019. I will write my response in regards to this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: AFNI INC.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on my credit report I have a collection of {$950.00} from a company called XXXX Collections. I do not know this company or know what this collection is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My complaint is about the credit reporting agency Equifax. I wanted to change my mailing address as we are moving and are making advance preparations. It is IMPOSSIBLE to do this by either calling or going online to Equifax. If you call, they tell you to go online, and in a most rude and pretentious way. They tell you that is the ONLY way to change our address! When you go online, you have to file a dispute, A DISPUTE, in order to CHANGE YOUR MAILING address! Then, when you go to dispute, you have to choose from one of three reasons. 1 ) I never lived at this address, 2 ) This address belongs to another person with a similar name, or 3 ) I believe I am a victim of fraud or identity theft and this address is not mine. THESE ARE YOUR ONLY CHOICES! So, I picked # 2 as I had to choose something. I went on. You then have to load 2 forms of identity. One of the forms can be a utility bill from our new address, which I don't have because I am not AT my new address yet! So, I load 2 other forms of identity and hit FILE. It then errors out and in the end, you can't change your address anyway! NO WAY, NO HOW! Can't change my address. Mike drop.

This is absolutely intolerable! As one of the three credit reporting agencies, Equifax is a complete and total FAIL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX to my complain on CFPB website, " Rent Recovery Solutions '' mentioned that Copies of their client 's substantiating documents were sent to the complainant at his request on XXXX/XXXX/XXXX. On phone conversations just this week they clearly mentioned that no documents were sent to me. I am sure they have audio recordings of our conversation why dont they share the full unedited audio recordings with CFPB? 
Also if they sent me the documents I am sure they have the proof. I need the proof that they sent me any document

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I am submitting this complaint against Equifax. No third party is involved. I was unable to retrieve my annual credit report. I called in and spoke with a rep and was still unable to retrieve my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions Inc.
State: VA
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:
For my XXXX XXXX ... XXXX .... XXXX ... .. The following accounts have been incorrectly reported. 

XXXX not ending in XXXX - There is a social security number variation that looks like XXXX or something. That is NOT correct or mine, and can explain why the following items below are listed. 

XXXX XXXX XXXX XXXX charged off account ) - This charged off account is not mine and needs to be removed immediately. My ex-spurse XXXX XXXX added my name without my permission and signed my name as a co-signer. 

XXXX - This account had unauthorized charges and I had them close it, this should be removed and a {$0.00} balance.

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 2017-10-27
Company: Navient Solutions, LLC.
State: CO
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 had issues with Navient for several years. They were mandated to remove payment histories from my bankruptcy XXXX from XX/XX/XXXX back to XX/XX/XXXX and still state they dropped the ball and these have n't been removed from my credit report. Only XXXX acct. They refuse to remove the XX/XX/XXXX student lian that was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: LoanCare, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX I asked for a loan modification. They asked me to submit required documents. I submitted them by email and they were acknowledged by the company as being received. In early XXXX I was notified that they were closing my case due to a failure to submit documents. I provided an email chain to the loan service supervisor he agreed it was closed improperly and had it reopened. 30 days later, in mid XXXX i was again notified it was closed for failing to supply updated documents. I again contacted a supervisor and it was reopened. In early XXXX i was informed my request was denied because I did not make enough money. I was told to make more money then reapply. 

Since that time i have fallen one month behind on the payments, I have attempted to contact them several times to review the options. Typically i am on hold for 30 to 45 minutes when the call disconnects or it is answered and then i am hung up on without ever speaking to anyone. It is apparent from the behavior of this company that i am getting the run around on loss mitigation. ( Loan modifications )

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 2022-03-31
Company: TRUIST FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
For greater than 25 years I had been a customer of BB & T. Last year, BB & T became Truist. Then the problems with logging on via computer and making mobile deposits. And, Truist, without any fanfare or warning, decided to not offer any senior checking accounts. Nothing. Then. When Truist took over, it became increasingly difficult to sign in ( i.e., user name and passcodes not long worked even though when the changeover occurred, I changed password as instructued ). I regularly make 3 to 4 mobile deposits per month and check my balance via computer. As I mentioned, I'd been a BB & T customer for 25 years using the same computer device for 10+ years and the same phone number for 15+ years. Now, nothing is recognized. Because I was unable to make a mobile deposit yesterday, I had to take 3 busses and travel to a TruisXXXX bank in XXXX XXXX to make a deposit. I do not drive. I am XXXX XXXX XXXX, etc., etc. 
CFPB should " over '' regulate this arrogant and incompetent bank. I'm just a little old lady and even I can use a computer and a phone. Truist is a multi-million/billion dollar entity and one would think they'd get thir IT system on track.

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 2017-10-27
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE withheld an excessive amount in escrow for property taxes and has not refunded the overage to me despite numerous written and verbal complaints. After the purchase of my home XXXX XXXX, XXXX, an amount for estimated property taxes was withheld that did not include exemptions for XXXX, school tax and state age. I provided LOANCARE with a copy of the approved exemptions XXXX XXXX, XXXX requested a review and update of the amount withheld in escrow. They acknowledged receipt of my " inquiry XXXX but submitted no other response. Verbal follow-ups produced no results. I submitted a copy of the tax bill of {$850.00} to LOANCARE via their complaint portal for timely payment, an escrow review and the amount withheld in escrow updated. XXXX XXXX, XXXX LOANCARE acknowledged receipt of my inquiry. XXXX XXXX, XXXX LOANCARE notified my they disbursed {$3200.00} for property taxes. I called XXXX XXXX, XXXX and spoke to XXXX XXXX XXXX, provided my inquiry number and requested immediate correction. She apologized for the errors, explained the incorrect check was sent but they would submit a correct one, review and update my escrow and refund the {$3200.00}. She accomplished everything but the refund. I have been unable to reach her nor anyone in the customer service department.

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 2017-10-27
Company: SYNCHRONY FINANCIAL
State: SD
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:
I was making a purchase at the American Eagle store # XXXX on Monday, XX/XX/XXXX at XXXX XXXX & was asked if I had a Rewards Card. I thought I did, he looked it up but could n't find one so asked if I wanted to start a new rewards card. I said, not a credit card but rewards card, correct? He said yes. We started going through the process & I was prompted to provide my SSN, I again asked if this would be a credit card. He said no, & that he was prompted to provide this same information when he signed up for his rewards card. So I finished the transaction of {$79.00}, paid with my own credit card & left. Three days later ( XX/XX/XXXX ) I received an alert on my credit bureau that I opened an American Eagle credit card & my credit score dropped 21 points! I went & found the information he gave me on the Rewards card & it shows a credit card number & credit limit. I immediately called the credit card company, explained the situation & was told that the store reps are told to market their credit card as a Rewards card because you get more rewards if you have a credit card. I think this is very deceptive. I told them to close the account as I never intended to open it & asked them to update my credit bureau as such. He said he would close the account but did n't know if my credit bureau would be updated. I think they need to take responsibility & update my credit bureau to indicate that the store opened this account in error. I should n't take the 21 point hit on this. I asked for a number to call to file a complaint & I called that number on XX/XX/XXXX. The complaint I was able to file was only about how the store rep marketed the product to me & he said they would get the information to a district manager. But I want something done about the credit bureau reporting. This seems unfair, deceptive & I have to wonder if it is incentive driven.

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 2022-03-31
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:
Equifax needs to fix the issues about the inaccurate information for the Late Open account reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the account since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here is the account that I am disputing : Late Open : XXXX  XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 opened a credit account with XXXX called XXXX XXXX in 2017. When I opened the account I was in formed that it would never appear on my credit report XXXX says they own my account The account number they have is not my account number. I never opened an account with XXXX XXXX and I have never heard of them until they appeared inaccurate information on my credit report. Now they are reporting false info to my credit report after I contacted them I have spoken with their fraud department. I said I never opened an account with them and had never heard of them. They admit they never informed me of credit reporting I have the recording form the fraud department of the 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 2017-10-27
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Citi Premier credit card that I have had opened for several years now. When my annual fee came due approximately 4 1/2 months ago, I called in to cancel the card. To entice me to keep the card open, I was offered a promotion wherein I would receive a statement credit of {$95.00} for spending {$1000.00} on the card in each of the next 3 months. In addition, I would receive XXXX bonus ThankYou Points for spending {$1000.00} on the card in each of the next 3 months for a total of XXXX bonus ThankYou Points at the end of the third month. I completed all requirements under the offer and was provided the {$95.00} statement credit as agreed to, but only received XXXX bonus ThankYou Points despite meeting all the required criteria. 

I reached out to Citi on two occasions to get this resolved and was told that the {$95.00} statement credit and XXXX bonus points was what my account was enrolled in. While that was on option, that was not the option I selected on my phone call with Citi when the offer was made. I explicitly had the Citi representative read back to me the terms before agreeing to the offer, which he did, and which clearly stated that I was to receive XXXX bonus points for every month I spent {$1000.00} on the card for a total of XXXX bonus points.

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 2017-10-27
Company: Credit Bureau of Carbon County
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
These people whoni have no contract with continue to call and They have failed to produce the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo personal banking issues -- Personal check had a posting date of XXXX, bank cashed it early on XXXX - Called XXXX customer service, they told me the do not look at the date on the upper right section of the check. Then I asked why is the date on the check to start with then. They said the date was not looked at, if it was blank they would still cash it. Four things make the check legal tender : dollar written amount, numeric dollar amount, signature and date. It seem the are not looking at the date. 

In addition, the check was not made to cash, it was written to a person, fund should have not be pulled out same day. 

-- My point was check was just like cash, the money taken out of account XXXX hours after it was written NJ XXXX banking account # XXXX XXXX/XXXX/XXXX CHECK # XXXX -- {$200.00} They changed me over draft fee and hit my CC for cash on XXXX. On XXXX there was {$1900.00} in the account on XXXX. 

XXXX wound not reverse or push the transaction back to XXXX, saving me the feeds a overdraft protection. 

I am looking for remedies.

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 2022-03-31
Company: LJ Ross Associates
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:
There was a fraudulent gas bill add to my credit report via LJ Ross & Associates in which they claimed to have purchased this debt from XXXX XXXX. I contacted the original debtor ( XXXX XXXX ), provided them all my pets information & police reports. Peoples gas sent me a letter saying they made a mistake & they would notify all 3 credit Bureaus to remove this debt immediately. I sent copy of this letter to LJ Ross & Associates and they still wont remove this fraudulent debt that I have proven is not mine.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.

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