BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-19
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I went to an emergency XXXX  visit at the office of XXXX XXXX XXXX XXXX : XXXX, and on a followup I was pressured into applying for financing, on the spot, for what I was led to believe was urgent critical care. I was told by the office staff that my actions wouldn't create a hard inquiry on my credit report, which I took to mean I was NOT applying for a credit card. I found out after that I now have a credit card carrying a {$5000.00} balance, for services not yet rendered. When I try to login to the card servicer 's website, https : //consumercenter.mysynchrony.com, I can not create an account, can not access my information, and can not get in touch with a representative of the company. 

I am going to continue to try to get this disaster managed, but the practices by XXXX XXXX and Synchrony bank were, if not illegal, very dishonest and manipulative.

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 2023-01-11
Company: ARVEST BANK GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan through XXXX XXXX The next day and every day since I am getting at a minimum 20 calls a day from central mortgage company. From a different number, location etc. different person. No matter how many times Ive asked to stop being contacted. They continue to call day in and day out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

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 2018-10-25
Company: EQUIFAX, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a dispute with XXXX, Equifax and XXXX concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu.

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Loss of Job due to Covid 19 we had to go into a payment assist so we thought with our Student Parent Loan with Wells Fargo, we were told Forbearance of about 6 months. They are starting collections on us. This is very hard for us to pay XXXX a month but they have increased the payment and want use to pay over XXXX dollars we have received no paper work in the mail just on line banking. I have called Executive Office they have a case number but it is not or no one is working on this. Wednesday some women by the Name of XXXX took intake info for their collections department. 
All we wanted was to put the missed payment on the back of the loan it is a fixed rate they changed that to a increase baring loan. With out us or our consent. We are struggling to just pay our mortgage 2nd, and property taxes. I was able to get other credit cards down but with this added expense it increase our monthly to over XXXX a month we have to purchase food on line, delivery cost has I am Medical issues that I can not go into stores at present. We have to order everything. My Husband was a XXXX  XXXX  had several jobs for the year they have been all canceled due to no XXXX  opening with his district that he worked for and there is no news has to went. We have a crewfew in our town XXXX XXXX XXXX. our county is in XXXX XXXX. California

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 2020-11-26
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: Was not notified of investigation status or results

Complaint:
I sent a letter to XXXX, Experian and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 5 months and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been almost 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.

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 2020-10-19
Company: CITIBANK, N.A.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Home Depot Credit Services, XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Re : XXXX XXXX Commercial Payment Stub Request for Charged Off Account I am requesting a last statement printout to be mailed to me in order to pay off the total remaining balance on my charged off HD Commercial Account # XXXX XXXX XXXX XXXX. 

I have multiple times attempted to pay off my balance over the phone or through online retailservicescommercial.citi.com ; no one is able to tell me how to pay off what I owe because my account has been charged off they told me. When I had very little money coming in during COVID crisis, Citi bank guys called every week to squeeze out of me any dollar bills I had ; and I paid whatever I could! Now that I got paid by others and business is picking up slowly and have the means to pay you back ; you locked me out of the account and charged me off! I could pay over the phone by giving you a debit card just as I did when I couldnt afford to pay ; but this option is no longer available ; and my online account which I could pay is also blocked. In addition, no bills, no statements and no more letter are coming in or phone calls ; I wish you would call once more so I can pay off my debt. All what I need is a statement with the amount I owe you and I can pay right away ; all the fees up to XXXX XXXXand everything I owe you. So simple. I sent two letters to Home Depot Credit Card services asking for a statement to be mailed and no response. 

Please send me a statement with the total outstanding balance of my Home Depot Commercial account # XXXX XXXX XXXX XXXX of what I owe 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 2020-07-31
Company: EQUIFAX, INC.
State: AZ
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 contacted Equifax by certified mail three items ( mailed : XXXX, XX/XX/XXXX, & XX/XX/XXXX received : XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX respectfully ) requesting an investigation into some inquires that were in dispute. I received responses claiming they were factual within days of sending these letters. In the last letter I requested a deletion unless they could provide any documentation they collected from the investigation and was provided with nothing except the same " verified as factual '' response form letter I do not believe a thorough investigation was preformed because of the quickness of their response and the complete lack of any supporting evidence. Also, I sent similar letters to XXXX and XXXX disputing the same inquires on the same date ( XXXX ) and they have yet to respond but Equifax was able to respond thrice in the same amount of time. This leads me to believe they relied on an automated system to respond to my disputes without doing any due diligence and are in fact unable to provide any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Re : CFPB No : XXXX Capital One was not able to provide an explanation as of why the information provided was false and did not match the information in the credit report. The reason for the decline : " Based on your credit report from XXXX, length of credit history ''. This information is false and not reported as such by XXXX, where the credit card history is stated as 21+ years. Capital One has inquired with XXXX and XXXX as well based on the credit report inquiry information. Capital One needs to provide the reason why the reason for the decline does not match the XXXX report. A complaint will be file with XXXX as their information was used falsely. <P/>Manager mentioned that Capital One is not inclined to open an account for someone who is citizen of another country or has dual citizenship. This seems to be the only justification for the decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2020-10-19
Company: Capital Accounts, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Refusal to provide validation of debt by way of a signed contract bearing my signature in 30 days constitutes a deletion per FCRA. I have sent them and the credit bureaus a letter requesting validation. Capital Accounts have reported to all 3 major credit bureaus that I allegedly owe a debt to them for a company by the name XXXX XXXX XXXX. I have sent them a validation dispute letter with certified receipt # XXXX ( see attachment ) and no response. 
I also reached out to XXXX XXXX XXXX and they stated that they will get back to me on this matter. They later responded by saying they no longer have this account and that their record shows a {$0.00} balance as of XX/XX/2018. They also responded by sending me a Notice of Security Deposit Letter that was addressed to a XXXX XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX, FL XXXX. In which, I never resided at nor knows a XXXX XXXX. It's funny how they just give anybody with the same name information without verifying if I am that person. Capital Accounts are incorrectly reporting information on my credit file that belongs to someone with a similar name and some unknown person by the name of XXXX XXXX. 
I am tired of going back and forth with the credit bureaus when it's Capital Accounts LLC 's  responsibility to report accurate information to them. At this point, I will not hesitate to take legal action against them for the following : -Violation of the Fair Credit Reporting Act -Violation of the Fair Debt Collection Practices Act - Defamation of Character Please keep in mind that these violations of the law carry a fine of {$1000.00} per violation.

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 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 last XX/XX/XXXX to remove the listed items that are 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 items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX Balance : {$860.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21
Company: EQUIFAX, INC.
State: IL
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 employee had my ssn from an account that I had in the past and ran my credit report without my permission or knowledge. I called XXXX they had it removed from my XXXX and XXXX but not my Equifax. The representative emailed me multiple times stating they had it removed from all three but my email automatically deletes emails so I do n't have it anymore. I called her back and she stated she would look into and get back with me but has not. I called Equifax and informed them that it was an error it was done without my permission or knowledge and I was told they would not remove it because an inquiry is always considered valid information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Resurgent Capital Services L.P.
State: FL
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 have repeatedly asked LVNV Funding for proof that they own this debt. The original creditor is not reporting on my credit report. They have not been able to provide an assignment or any documentation that they are the owners of this loan. Please see attached email chain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Affirm Holdings, Inc
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This Affirm is a fraud Company. I don't know them and by fraudulently they inserted their name in my credit report and damaged my credit report. I sent 2 disputed notices to their addresses that were not my account so they dispute that account and if within 30 days they fail to dispute that account then they want to delete that account from my credit report. But they didn't reply to me back. After 30 days I sent one more notice to them that they failed to verify that account and after that, they didn't delete that from my credit report now I can't wait another 30 days so now you need to delete that account from my credit report immediately.

But after that, it's been 10 or more days completed they didn't reply to me back or didn't delete that unknown account from my credit report. So Affirm is really and really fraud Company first they inserted unknown accounts into people 's credit reports and second, they didn't send answers to people and by FCRA law they didn't delete accounts also after 30 days when they failed to verify or validate the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: FL
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:
PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EXPERIAN REFUSES TO INVESTIGATE THE DEPT OF EDUCATION/XXXX   ACCOUNT BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I HAVE SUBMIT COPIES OF MY DRIVER LICENSE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE DARK/BLACK WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

Additionally, EXPERIAN reported that " The Company that reported the information has certified to XXXX  that the information is accurate. The item was not changed as a result of our processing of your dispute but when I request proof of the verification/certification  method, EXPERIAN conveniently fails to comply. 

Per FCRA regulations, please delete these accounts 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 2020-10-18
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have some inquiries listed on my credit reports that was not authorized by me. I never agreed with the listed companies to obtain any information to my credit profile. 

XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Experian did not investigate an account on my credit profile for XXXX XXXX XXXX and Dept OF EDUCATION/XXXXthis is not my accountand I have never had an account with them.

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 2023-01-18
Company: EQUIFAX, INC.
State: KS
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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX Nelson Cruz and Associates XXXX called me telling me I had an old debt with XXXX XXXX and was that I being sued and my home foreclosed on. I have no idea what they are referring to. They refused to send anything in writing. Got very hostile with me. Called my daughter as well. This firm continues to to call my daughter who is a teacher my elderly parents and my sister. 
XX/XX/XXXX NCA called my elderly parents and bothered them. called my sister as well. 
I called them back. They refer to cross collateralization on a debt from XXXX. I asked again for them to send me a letter stating what and if I owe. They again refused. They state I owe XXXX XXXX XXXX from a debt from XXXX-XXXX. they can not tell me if its a loan credit card or what. I know on no such debt.

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