BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-02
Company: Synovus Bank
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have spoke with XXXX  I recently checked my credit because I was one of the customer from XXXX data breached and I noticed that I had several inquiries on my XXXX  I sent it letters and proof of my address and identity also at the time of all of the inquiries I had a fraud alert on my account however I was advised by them it was on the third party to verify who I was also they didnt remove the inquiries or provide a document explanation that it was me or they completed a investigation. Then I called back I was transferred twice and hung up on by the manager I advised them I did a FTC identity report they still wouldnt removed the inquiries I just want this issue handled and I feel Im being given basically no options

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to get a copy of my credit report and also remove the fraud alert from my file. I have sent letters and every time I call I am unable to get my report or have the fraud alert removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens One XXXX  took over my loan from XXXX XXXX XXXX  on XX/XX/XXXX. I have had the same monthly payments every month since then, but on XX/XX/XXXX, Citizens One XXXX XXXX  automatically withdrew {$3700.00} from my bank account without my authorization. My monthly mortgage payment has been the same since we purchased the house in XXXX - {$1400.00}. I immediately called Citizens One and they said the extra payment was because of an insurance charge for flood insurance. Citizens claimed they did not know that I pay this separately every year. Once I showed proof of insurance, they processed a refund check and sent it back to me through the mail. I also canceled my automatic withdrawals and have been sending my monthly mortgage payments via checks through the mail. For some reason, Citizens One continues to send me monthly statements with extra escrow charges and continues to charge me for insurance and taxes that I pay separately every year and have never paid through my mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to dispute these fraudulent charges on my account.I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was traveling for work and someone stole my information and now i have fraudulent accounts opened under my identity. Please remove these issues 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 2020-05-20
Company: EMBRACE HOME LOANS
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with my current mortgage lender ( Embrace Home Loans , Inc. 
XXXX XXXX XXXX, XXXX, RI XXXX ) since XXXX, XXXX, XXXX with a goal to refinance my current property ( single family home, Address- XXXX XXXX XXXX XXXX XXXX TX XXXX ). Currently I am paying approx {$2000.00} per month including escrow and my goal was to minimize payment per month through refinancing. 
Mr XXXX XXXX, Sales Manager/Senior Loan Officer, NMLS # XXXX was the person of contact for my loan application. His Cell # : XXXX www.embracehomeloans.com NMLS # XXXX ; email : XXXX ; Fax : XXXX and phone # XXXX ext. XXXX as stated in his email signature. 
He pulled my credit score, gave me a super great estimate with a savings of close to {$500.00} per month for 30yrs 3.75 % fixed interest etc. I have the document of what he predicted and sent me.Then he asked me to pay {$520.00} for an appraisal of my home. I paid it through my debit card. Appraisal came back in 2 weeks. Finally the whole application is denied/ declined and the last email that I received from Mr XXXX `` I am struggling to qualify you because of the debt ratio now based on the new appraisal value. Let see if rates go lower ; this may help us better ''. I tried to talk to him after that to explore all other options, but unfortunately he never responded nor follow up with me. My home appraisal was XXXX lower than what it was in XXXX, XXXX. Mr XXXX has been giving me false hopes after hopes, literally lectured me to trust him who has enormous amount of depth of knowledge in home refinancing etc and at the end I lost all hopes and my hard earned money {$520.00} for nothing! If he is knowledgeable in this field, he should have an idea upfront about my current home appraisal and when he already knew my credit score etc before stepping into the next stage of running appraisal by spending {$520.00}! Literally, he mislead with lots of lecturing clients like me with hardships with false hope or even come up with a beautiful estimate, steeling my money for appraisal and then washed his hands. In my opinion, Mr XXXX is never transparent with me and he definitely have lack of knowledge whether to start processing an application etc, to handle any mortgage related issues. He can only mislead customers!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My wife totaled her vehicle on XX/XX/XXXX. XXXX paid out what their coverage provided and my GAP insurance through Ally ( XXXX XXXX XXXX ) did not make a payment in accordance with the coverage they provide. They informed me that they needed proof that no police report had been filed for them to payout the GAP insurance. XXXX did provide me with a letter on XX/XX/XXXX that there was no police report filed at that time. Ally ( XXXX XXXX XXXX ) told me that correspondence was not sufficient and they needed correspondence that there was NEVER a police report filed, not just that one was not filed at that time. We followed up with XXXX, XXXX sent my wife email correspondence on XX/XX/XXXX that no police report was filed nor will be filed regarding her claim. This email correspondence was sent to the Ally GAP Claim department for processing in XXXX. To date no correspondence has been sent from Ally Gap Claims to say that email was not sufficient. It was not until today after seeing the loan with Ally was still outstanding that my wife and I followed up. Ally ( XXXX XXXX XXXX ) informed us today that the email correspondence from XXXX that was sent to them in XXXX, would not be sufficient and that it would need to be on XXXX company letterhead. At this time I feel Ally ( XXXX XXXX XXXX ) is not being forthcoming with what they require to process the GAP claim and are withholding the funds to payoff the loan to the vehicle. I have reached out to XXXX to get the necessary correspondence on letterhead. Had Ally ( XXXX XXXX XXXX ) been clear with what they needed and what would not be sufficient, as well as contacted me in XXXX after they received my " insufficient '' correspondence this matter could have already been addressed. Instead I had to contact Ally, who tells me to contact my GAP provider, XXXX XXXX XXXX, a partner with Ally, to inquire about my GAP claim. XXXX XXXX XXXX then told me today about the correspondence that needed to be on XXXX letterhead and that the email was to be sent to XXXX email. It seems clear that Ally, who tells me to contact my GAP provider, is my GAP provider, as all of my emails go through XXXX email.

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 2017-08-09
Company: Bridgecrest Acceptance Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I spoke with someone representing the company Bridgecrest on several occasions and told them not constantly call all day and night. They call from different numbers back to back. They aggressively call my place of employment informing them of my personal business pertaining to the vehicle and demanded to speak to me. They are constantly harassing me morning and night even after making payment arrangements. It 's very stressful and humiliating.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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:
These accounts were not opened by me at all. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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:
I HAVE DISPUTED WITH EQUIFAX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWSXXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XXXX XX/XX/2020. I DO NOT RECOGNIZE THESE INQUIRES, EQUIFAX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
Due to the fact that I am a victim of identity theft, I contacted the XXXX  credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Capital One ( credit reporting company ) to promptly delete their 3 unauthorized inquiries ( dates : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that these 3 unauthorized inquiries are still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST***

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Quality Asset Recovery LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Ive sent XXXX letters requesting all addresses and names be removed from my credit report

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 2017-08-09
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
convergent is still reporting on my credit report after I have send them certified letter along with several complaints and they have refused to delete this account from my credit report. they have refused to comply and listing an unverified item on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and correct. I informed convergent that as per FTC opinion letter from XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore they have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... ... promptly DELETE all information which can not be verified. '' ( Section 617 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Account information incorrect

Complaint:
I was contacted by The XXXX XXXX XXXX rep on XXXX and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.

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 2020-12-01
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:
I was contacted by The XXXX XXXX XXXX rep on XX/XX/10 and I agreed to pay and settle in full, but my report still shows a balance of {$1600.00}.

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 2020-05-20
Company: Experian Information Solutions 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:
There are three accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX/XXXX. The only reason I found out that these accounts are on my credit is because I applied for a personal loan today XX/XX/20 and I was not approved because of these three accounts. I have no idea who opened these accounts in my name without my permission but I did not receive any type of benefit such as money, goods, services or any other benefit as a result of these accounts being open in my name. I never made any payments towards these accounts and I do not have any type of contract or relationship with those companies and I did not give them permission to run my credit or view my confidential information. I have filed a police report regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are three accounts on my credit report that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX & XXXX/XXXX. The only reason I found out that these accounts are on my credit is because I applied for a personal loan today XX/XX/20 and I was not approved because of these three accounts. I have no idea who opened these accounts in my name without my permission but I did not receive any type of benefit such as money, goods, services or any other benefit as a result of these accounts being open in my name. I never made any payments towards these accounts and I do not have any type of contract or relationship with those companies and I did not give them permission to run my credit or view my confidential information. I have filed a police report regarding these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Their investigation did not fix an error on your report

Complaint:
I have sent multiple letters advising of the issues and requesting their method of verification. The last letter sent was certified and was delivered to this credit bureau on XX/XX/XXXX. I have placed multiple calls ( all of which had extremely long wait times ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I placed these calls because I have been transferred to voicemail, the calls have somehow become disconnected after finally reaching someone, or they advised they will enter a dispute only for me to receive the same message advising the creditor advised them the information is accurate. '' This statement means nothing to me when I know the information is not accurate. 

I have spoken with some of their agents who have advised me that the creditor or credit agency just has to advise them the information is correct without furnishing anything. When I further inquire about this, then I am told the credit bureau does not have to tell me how they verified the information at all, as long as the creditor or agency says it is true, it can stay on my report. This is not only untrue, but it is also illegal and unethical. I have invested a lot of time trying to peacefully and expeditiously resolve these issues, however they remain determined to report inaccurate information and refuse to verify or furnish any information justifying their continuous reporting of inaccurate information. It has been almost 2 months since they received the certified letter and I am still fighting to have my information corrected.

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 2018-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
fraudulent Capital One account still reporting on my XXXX   after Capital One took account out my name. XXXX is refusing to remove this fraud Capital One account from my credit.

Company response to consumer: Closed with non-monetary relief