BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-06
Company: Pinnacle Financial Group, 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: Account information incorrect

Complaint:
satisfaction of civil judgment. Balance due to the creditor is {$0.00}, however, credit report showing that account was charged off and that there is a balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: Stallings Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Stallings financial group a collection company sent me a bill saying the creditor : XXXX XXXX XXXX XXXX XXXX that I owe them XXXX dollars I called them it's from a visit from the emergency room doctor I explain to them every month I pay on my hospital bill I haven't received a separate bill from a doctor saying that I owe the doctor that seen me Stalling financial group want me to send them a payment which I don't now anything about I don't old them this company say they got three debts that I suppose to owe I don't now nothing about I haven't received any bills in the mail or phone calls from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 ACCOUNT IS NOT MINE THE ORIGIONAL SCCOUNT OWNER FILED BANKRUPTCY AND MAKING PAYMENTS ON ACCOUNT XXXX IS SHOWING WRITTEN OFF CHARGE OFF WHICH IMPOSIBLE BECAUSE PAYMENTS SRE STILL BEING MADE THEY CAN NOT SHOW DEROGATORY INFORMATION IF THE ORIGIONAL DEBTOR IS MAKING PAYMENTS HENCE NOT SHOW AS WRITTEN OF SINCE XX/XX/2017 THIS IS RETALITORY SO THE CREDITOR MUST REMOVE ACCOUNT OR UPDATE SS CURRENT IVE FILED 609 ( 1 ) A ( 1 ) WHICH EXPERIAN HAS IGNORED

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 2020-06-30
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: Account information incorrect

Complaint:
I refinanced my mortgage with XXXX XXXX XXXX in XXXX XXXX. I have public record of the mortgage being satisfied as of XXXX XXXX. It was brought to my attention in early XXXX that XXXX was still showing the account on my credit report ; I was trying to apply for a loan interest credit account offered to me through a local teacher 's credit union. They brought it to my attention that my credit report showed my mortgages at double what I claimed. I contacted XXXX and confirmed via mail that they showed my loan as " satisfied '' and they mailed me a " copy of lien release '' showing what they had on file. 
I am in the process of refinancing again. For the last year my credit score remained low and I did not know why. During the title search process it has come to light that XXXX SOLD my loan to a servicing company, XXXX ( XXXX. XXXX ) which sold the loan to XXXX ( XXXX XXXX ) 6 months AFTER the loan was satisfied. XXXX has never sent me any info regarding holding my loan and I currently pay XXXX XXXX for my loan and they are the rightful owner of my mortgage as the loan was transferred to them in XXXX. I have all the legal documents on file with my count tax collector and will pursue this as best I can. XXXX XXXX XXXX illegally sold my mortgage 6 months after they were paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I signed a mortgage jointly with my father. At no time was it stated that I would be a co-signer and not a joint owner. In fact I was even listed first on the mortgage. The title company client acknowledgment stated " the undersigned, hereby acknowledge the following ; that they are the true and lawful owners in fee of the following '' which I and my father signed. Later come tax time I discovered I am not on the property deed, just the mortgage. Since I am not on the property deed I am also not on the home owners insurance paid through escrow. 
I thought this was a simple error and contacted first the title company, XXXX. They told me via email on XX/XX/XXXX : Your lender does not require all borrowers be on title and you would not automatically be added as a borrower. I do not see a deed was requested from your lender. If you are interested in being on title you will need to reach out to a local title company or a real estate attorney to executed a quit claim deed adding you to title. We do not provide services outside of a transaction. Sorry we could not assist. 

I then contacted Quicken Loans. At first there seemed to be some concern until it went further up the chain. I had told them that now that my father has a new girlfriend and has discovered what has happen he was not willing to put on the deed with a quit claim deed. He now has a house I am legally binding to pay for. XX/XX/XXXX XXXX, XXXX I talk with a Specialist at Quicken Loans who said there was nothing they could do for me and suggested I get a attorney and a title company. 

I had done this mortgage rather than continue to pay him as a way of protecting myself if anything were to happen to my father. I had trusted Quicken Loans to be honest and upfront. With regards to truth in lending and taking the legal route with a mortgage I thought I was protecting myself and my investment. As it stands now I could pay on a mortgage for years and it could go to someone else. I would not have signed a mortgage if this was the case.Where was the truth in lending?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I sent them an e-mail through the synchrony portal on XX/XX/18. 

I purchased flooring at XXXX XXXX using the synchrony store card in XX/XX/2018. 

They have been charging me for something called card security since XX/XX/2018. I have no idea what that is or why I am being charged for it. I never agreed to pay for that service.

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 2021-08-06
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2006 I purchased a home from XXXX XXXX. Mrs XXXX had financed her home through Citibank. The closing documents show that Citi was paid in full during my purchase. 
Citi never released the lien, they are shown as outstanding lien holder on recent title search. I am trying to do a refinance and can not due to this lien. 
I have faxed and emailed Citi all the requirements from their website but they will not respond which leaves me unable to do anything with the home

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 2021-10-04
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 48 days later, I have not received a response yet. I feel like I am being taken advantage of and being ignored in my disputes. I've sent letters asking for addresses to be removed, inaccurate late payments to be updated correctly, misleading information to be removed, original contracts to be verified by creditors that I DO NOT OWE! 
I have attached a copy of my ID, Proof of address and a copy of what was sent to all three credit bureaus!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. 

Please delete this account. 

Best Regards, 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 2019-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/2018, I applied for the Capital One Quicksilver credit card that included a 0 % introductory APR for all purchases in the first 15 months of opening the account offer. Shortly thereafter, I received a Capital One Quicksilver credit card in the mail. Upon receiving my second billing statement in XX/XX/XXXX, I noticed I was charged interest for my purchases. When contacting customer services at Capital One, I was advised that eventhough I applied for the credit card that included the 0 % introductory APR offer, I was actually approved for a different Capital One Quicksilver credit card that did not include the 0 % introductory APR offer. 
I was never clearly advised that I was not receiving the credit card that I actually applied for, and since the credit card that I received had the identical name of " Capital One Quicksilver '', I was unaware that interest would be charged on my purchases. I feel this was false advertising and deceitful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-23
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company is a predator on those who are struggling with their credit scores not only was I sold a vehicle that costs thousands of dollars in repairs including multiple engine replacements that left the vehicle in operable they inaccurately reported late payments to the credit bureau as well as initial payments and multiple payments made throughout the years {$0.00} or less than {$1.00} was applied to the principal and the entire payment amounts were applied to interest. On a {$17000.00} loan in 5 years of payments the ending balance was still {$7200.00}. The year after purchasing the vehicle this company was fined 8 million dollars for harassment and inaccurate credit reporting, the name was changed XXXX XXXX XXXX to Bridgecrest and the unfair practices continued. They refuse to remove the account from my credit score which is impacting my ability to improve my credit scores even though the account is paid in full and inaccurate. The harm they have caused by their outrageous tactics and preying on those that fall on hard times should be punishable. I will pay for years for doing business with this company with my credit score, have suffered extreme financial strain related to their practices, the repair expenses and 5 years of payments with outrageous interest rates and mental stress and anxiety of their harassment and have only asked to be afforded the opportunity to repair my credit score by requesting a deletion of the account information from all credit bureaus. The loan is paid off and they gain nothing by keeping it on my report other then to continue to harm me for years to come. I beg for an opportunity to move past this and have this inaccuracy totally deleted from my credit reports so that I can have a fair opportunity to rebuild my credit. I am attaching the account history so that you can see the outrageous funds paid and practices of applying zero to principal including initial payments. I am also willing to provide repair receipts of thousands of dollars for a low quality vehicle sold including multiple engine replacements as well if requested. 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 2019-05-23
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:
In XXXX of 2016 two fraudulent accounts were opened at XXXX XXXX XXXX in my name. I recently discovered the accounts when I did a credit check from the 3 major credit bureaus ( Experian, XXXX, and XXXX ). I immediately contacted the credit bureaus to dispute the accounts. I filed a police report for identity theft with the XXXX Police Department. I contacted XXXX Fraud department and disputed the accounts. XXXX mailed me a fraud packet to complete and return to them. I completed the packet and mailed XXXX the fraud packet, police report, a copy of my driver 's license, and utility bill to verify my address and identity. I have called XXXX fraud department several times to find out the status of the investigation. I can't get any answers from their representatives. About two weeks ago, I spoke to a XXXX representative named XXXX. XXXX stated that she had received the fraud packet and the accounts were being investigated. I was supposed to receive the results of the investigation via mail, but have not received any correspondence from XXXX. In the meantime, these two fraudulent accounts are ruining my credit and livelihood. I am being declined for credit opportunities and paying more money in financing.

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 2021-07-09
Company: Galaxy Capital Acquisitions, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an email from XXXX stating my wages would be garnished XX/XX/XXXX as the result of a judgement I had no knowledge of filed against me in XXXX. I was XXXX years old in XXXX and can provide a copy of my drivers license to prove my identity. Obviously, Worldwide Asset Purchasing, who XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX is representing, is collecting a judgement against the wrong person. In addition to that, the 10 year statute of limitations for the state of Arizona has long passed. XXXX XXXX XXXX and XXXX XXXX XXXX of XXXX XXXX, for Worldwide Asset Purchasing, are garnishing my wages illegally. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, via email XXXX and explained that Worldwide Asset Purchasing, the company they are representing is collecting from the wrong person and that I was XXXX, turning XXXX years old in XXXX when the judgement was filed. I left all of my contact information and have had no return contact. As a result of XXXX XXXX XXXX and XXXX XXXX XXXX, of XXXX XXXX, helping Worldwide Asset Purchasing illegally garnish my wages, on XX/XX/XXXX, {$520.00} was taken from my paycheck for a debt that I do not owe. I have consulted an attorney which I will have to pay to represent me to stop this illegal wage garnishment, and will have to take time away from my job to collect papers pertaining to this case from the courthouse.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been incarcerated for the past 3 and 1/2 years. Now Im trying to get my life together and I find out my credit is XXXX due to some unpaid debt that occurred during my incarceration. I tried disputing it and that didnt work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
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:
FTC WAS FILED ON THE ACCOUNTS BELOW : XXXX XXXX XXXX XXXX XXXX Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 12 XXXX  XXXX XXXX  XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$2100.00} High Balance {$2100.00}

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 2021-04-24
Company: SYNCHRONY FINANCIAL
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XX/XX/20-I purchased a " diamond '' ring using paypal credit on ebay. I was charged {$2500.00} on my paypal credit card. 
XXXXI received a letter from my jeweler verifying that the ring was not a diamond. 
XX/XX/20-I asked for a return from the seller, seller authorized return but stated they would not be sending me a return label for return shipping, they said " I can't send you a label. '' XXXX shipped the ring myself to seller in the country XXXX as I only had 60 days to get the product back to the seller ( paypal rule money back rule ). 
XX/XX/20-I received an email notification from XXXX that the seller " refused '' to pick up the package, citing he did not want the delivery. 

I opened a case with paypal and they reversed the charge, they in turn, reversed the charge and I have the balance on my paypal credit. I have worked with XXXX, who has refused to do anything as they said they had no liability since I opened a case with paypal. I opened a case with paypal who said I need to go through Synchrony Bank as the bank owns paypal credit. I have filed 4 disputes with Synchrony Bank and the last 3 have ended with them contacting the seller and he citing that I owe him the money. I have a dispute case open with Synchrony Bank which will end soon, but given how it has gone thus far, likely not in my favor. In the meantime, the seller is still on ebay selling fake jewelry. XXXX has been made aware of this by me on numerous occasions.

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 2021-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
there are fraudulent inquires listed on my credit report, i am writing this to delete and remove those things off my report. i am a victim of identity theft i've already sent letters to try and solve this problem and it is heavily affecting my life. I've included my FTC report and identity theft affidavit along with the letter that I've sent to 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 2021-07-09
Company: Caliber Home Loans, Inc.
State: CA
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 a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Monterey Financial Services LLC
State: NC
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:
Sent debt validation letter to company on XX/XX/XXXX and per certified mail tracking number XXXX letter was received by company on XX/XX/XXXX ; i have not received any information to validate this debt ; the original creditor was removed from my credit for false information and then sold to another company and increased the amount of the debt owed without contacting me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
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:
sent police report id theft victim
also id theft gov 
ftc 
inaccurate 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 explanation