BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: Synovus Bank
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XX/XX/XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Experian Information Solutions 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:
XXXX XXXX and XXXX showing inaccurate on 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 explanation
Consumer complaint received 2020-07-15
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: Information belongs to someone else

Complaint:
XXXX XXXX and XXXX showing inaccurate on 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 explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: NV
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 am sending this letter on my behalf, requesting that the extended fraud alert that I have on my credit report be removed as soon as possible. Attached are my proof of ID, Proof of address and proof of social security number

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 2021-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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 sent a letter contesting each of the reasons specified for the credit denial and I got the same exact answers I got on the original denial letter. No further explanations were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I kept getting written notice from Wakefield & Associates, so I finally asked for validating for this debt they claim I owe. They sent me an itemized summary but no signed contract or hippa release. Which doesn't verify this is mines. They also told me in a letter that they will no longer investigate or investigate again after I sent a second letter asking how they got this information. Also XXXX and XXXX and XXXX keep saying it is verified although it proves not to be, I have also sent them the same attachments as included here.

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 2020-04-23
Company: U.S. BANCORP
State: NJ
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 received an offer in XXXX to spend $ XXXX on a card within 120 days and get XXXX points ( $ XXXX ). I spent over $ XXXX - this includes about $ XXXX in spending and $ XXXX in credits, since there were a couple incorrect large charges from vendors that had to be credited, but everything spent and credited on the account happened within the first 120 days. First statement after spending there was no bonus ( within the 120 days ), so I called up and the XXXX XXXX said sometimes it takes an extra statement, but he saw I spent the $ XXXX and would get it by then. Next statement closes, still no bonus. I email them, XXXX XXXX  who responds said it's because of the credit. I call up as I know I still spent the full $ XXXX even with credits, first XXXX XXXX repeats what the letter said, but then added all charges up himself and agrees I am correct and should have gotten the bonus. He speaks with a supervisor who says I'll get it within 7 days. A week later, I get a letter in the mail again stating that I did not spend the $ XXXX and thus am not eligible. I call up and the supervisor I ask to speak with first also says I did not spend the $ XXXX, but then does calculations and says I did, but he says he has no power to do anything except submit another request to a department that handles this, and they will send me a letter.I called up today ( XX/XX/20 ) and the supervisor now finally says that the reason I did not get it is because a charge was reversed but then put on an authorized user card instead of my main card. I called up multiple times when it was within the first 120 days and the customer service rep said everything was fine, I spent the {$10000.00}, and I would get the XXXX. Nowhere did they say that it had to be on the main users card and not an authorized user, or else I easily could have put the remaining spending on my card instead of my wife 's. I have never before had an account bonus where all spending had to be on the main user card in my 38 years, and the fact that XXXX customer service agents told me I was ok as well as a supervisor, and it was within 120 days when I still could have spent the money when I called and they told me it is ok, should be enough for US Bank to please make an exception if that is the issue and please issue the XXXX points. I've never had a bank act this way before, and the fact that the customer service agent made an error on this and I could still have spent the money, I would ask that US Bank please keep a business customer and make an exception to post the XXXX 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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2023-03-06
Company: Avant Holding Company, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The credit card agreement and explanation from company is contradicting. When I questioned how they arrived at the fees and interest, the company gave me this explanation : Per the terms of your cardmember agreement, if the total minimum payment due is not paid by the payment due date ( which is the XXXX of each month ) a late fee may be assessed of {$28.00}. If a late fee has been assessed within the last six billing cycles, a late fee of {$39.00} may be assessed. 
As required under regulations, the dollar amount associated with a late payment can not be assessed which exceeds the amount required in the minimum periodic payment. As such, the late fee assessed for XX/XX/2022, XX/XX/2022, and XX/XX/2022, were {$28.00}, {$27.00}, and {$37.00} respectively. Please note that your cardmember agreement is available at any time at. 

My response wasThank you for your response. Your explanation of the late fee accessed does not justify the amount of {$27.00} and {$37.00}. Neither amounts are {$28.00} and {$39.00}. It appears that avant arbitrarily picked those numbers. 

I tried for several months to resolve this issue with company and it is misleading to a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: SN SERVICING CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received word that my mortgage would be transferred to SN Servicing Corp at then end of XXXX. Transfer date XX/XX/XXXX. Tried to call company repeatedly, and after going through phone tree, it says " party unavailable '' and " no messages. '' Emailed XX/XX/XXXX wanting some information on the mortgage. Finally I got an email XX/XX/XXXX saying " here is some info to get you started '' which was bizzarre. 

I was able to register on their website, but there are no any billing statements and no way to check when the due date is or that they have the amounts correct. When I try to input a payment, it's a blank screen and scarily, no payment amount. 

I've requested a billing statement in writing, but given they don't respond rapidly at all, I have no hope. I feel like they are waiting to screw something up and ding me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX  is not accurately reporting the balance as {$1000.00} on my XXXX  XXXX Card to Transunion, XXXX, and XXXX. I am not carrying a balance on this card. This card has been paid in full.

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 2018-05-05
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX whom I was contracted with wrote off my debt off and sold it to another company named XXXX ( XXXX ). My contract with XXXX XXXX was then cancelled. Experian Is reporting that I am in a delinquency status with XXXX ( XXXX ). Theres no valid contract between XXXX and I. I asked Experian to remove this from my report. I sent in proof that I do not and never ever had a contract with XXXX. Experian still refuses to remove this from my report which is damaging. Please have them remove this incorrect information.

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 2018-07-24
Company: NAVY FEDERAL CREDIT UNION
State: NY
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:
NAVY FEDERAL CU I never had a navy account Reported : XX/XX/XXXX {$16000.00} Closed Overview You're currently using 1107 % of your account 's limit.

Balance {$16000.00} Credit limit $ XXXX Monthly payment {$0.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Payment History Youve made 77 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Charge-off Amount past due {$16000.00} Worst Payment Status Charge-off Account Details Account status CLOSED Type Credit Card Responsibility Individual Account. 
Remarks Charged off account Account closed by credit grantor Times 30/60/90 days late

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Dynamic Recovery Solutions, LLC
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:
On XX/XX/2023 i received an email notice that my credit score dropped for XXXX so i went into the app and sure enough it had decreased XXXX points!!!!. I was furious and went to see why and it says there was a collections added so i checked it out and it was for a hospital ive never been to or knew existed. i immediately called the collection agency and for 20 minutes they could not find my account so i called XXXX and then submited a dispute online and now theyre telling me the information is verified. I am clearly stating i have never been to that hospital on that collection and that is not my debt. and if someone did use my name and social I DID NOT AUTHORIZE IT AND THAT IS LITERALLY FRAUD, which they were NOT able to verify my name OR social because they didnt even have it they kept asking me for it. Its ridiculous because fraud is literally stealing someones identity so i thought it would be obvious that if it does come to see they have my info then obviously its fraud because i told them 5 ways that i never been to that hospital. the distance in itself would be too far. So i am begging for help because they have DRASTICALLY decreased my credit by XXXX points and i work in the XXXX XXXX XXXX and most of my deals rely on my credit score for our loans PLEASE HELP.They didnt do anything to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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:
XX/XX/XXXX I WROTE CAPITAL ONE BANK ABOUT THE EIGHT HARD INQUIRIES ON DATES XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX REQUESTING YOU SEND ME PROPER PROOF THAT WHAT YOU ARE REPORTING IS TRUE, IF YOU CAN NOT, IMMEDIATELY REMOVE YOUR FRAUDULENT INQUIRIES FROM MY CREDIT REPORTS ACCORDING TO FDRC. 

THERE IS MORE TO THE LETTER AND IF YOU WISH TO REVEIW IT I WILL PRODUCE IT FOR YOUR COMPANY. 

P.S. I HAVE NOT HEARD FROM CAPITAL ONE ANY TIME SENCE MY LETTER. I ALSO WROTE ALL THREE CREDIT REPORTING AGENCYS AND THERE RESPONCE WAS THAT I DID NOT SEND THEM ENOUGH INFORMATION TO VERIFY THAT THIS WAS ME ASKING FOR THIS REQWUEST. I SENT THEM EVERYTHING AND I MEAN EVERYTHING .... 

IM SO TIRED OF THIS XXXX ... ITS CRAZY AND I CANT UNDERSTAND WHAT IS THE PROBLEM HERE, TO ME IT IS SELF EVIDENT AND IF YOU CAN NOT SEE THIS PROBLEM THEN YOU ARE JUST AS BAD AS THEM WHOM ARE TRYING TO HOLD ME HOSTAGE FOR GOD ONLY KNOWS WHY ... 

IF I SOUND A LITTLE UPTIGHT WELL That's BECAUSE I AM ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no contract with this company. This company is reporting a debt that they have no contract to collect. This company has illegally claimed to " certify '' this as accurate reporting but has failed after several request, to prove the contract that I have breached my duty to pay them. 
XXXX is has notified me that DISPUTED ITEM NOT LISTED ON CREDIT REPORT yet is still reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: EQUIFAX, 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 complaint is about XXXX  XXXX XXXX  keep reporting to credit bureau about the account that is not belong to me, I have only noticed this late payment recorded when I looked up my recent credit report on last XX/XX/XXXX, I immediately write the dispute with all three credit bureaus to correct this infomation and placed fraud alert on my credit report, this account is the result of Identity theft. Only Equifax cames back with the account info is verified other two bureaus already removed this account, I never get any document show me how do they verified this account is belong me, It has been more than 30 days and XXXX XXXX XXXX never show me any proof to verify this is my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Velocity Portfolio Group
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX To Whom It May Concern : I am the XXXX XXXX XXXX XXXX for XXXX ( age XXXX ) and XXXX ( age XXXX ) XXXX and am writing on their behalf regarding a disturbing series of interactions with a company that is harassing them and claiming that they owe them a debt. 

The XXXX reside ( since XXXX ) at XXXX XXXX XXXX XXXX. 
Several weeks ago, a man came to XXXX XXXX and put some papers in her hand that she did not understand for XXXX XXXX. The person in these papers is not my client XXXX XXXX, who has not had any dealings with the vendor. 

This person threatened a frail and incapacitated XXXX XXXX and told her she has a duty to give this paper to XXXX XXXX. XXXX XXXX angst has been heightened by a letter sent to her home erroneously regarding XXXX XXXX. 

They are both elderly and frail and can not get around. They want the harassment to stop and asked me to write this on their behalf. 

Please help. 

for, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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