BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My care care account was closed XX/XX/XXXX for what the company called possible fraudulent use. I called synchrony XX/XX/XXXX because I had a notice saying I had a hold. They said it was because I changed my address, which was true. I verified my address and she told me the hold was lifted and I have no restrictions. I tried to use it today ( XX/XX/XXXX ) and was told it was closed. I called and was told there was suspected fraud and the entier account with a XXXX limit was closed. My account had not had any activity since XX/XX/2020 when I had made a payment of XXXX bringing it to a XXXX balance. No one attempted to use it and the company can not supply me with what the suspected activity was.. they told me " we can not discuss it any further with you '' This has adversely affected my credit score, causing me to lose several points due to the account closure. The company did not try to contact me and simply closed the account. There was no activity since XX/XX/2020. The only activity was when I changed the mailing address, which I did by calling in. I also have 2 other accounts with synchrony and they have not been closed to my knowledge. I changed the address on those as well.. all to the same mailing address.

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 2023-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In accordance to the Fair credit reporting act XXXX account XXXX  has violated my rights 15 u. s 1681 section 602 A states that I have the right to privacy 15 u s 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Account Number Verification XXXX XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX Validate Account XXXXXXXX XXXX XXXX XXXX Validate Account XXXX XXXX XXXX Validate Account

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 2023-09-06
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has voilated my rights.

15 USC 1681 Section 602 States I have the right to Privacy.

15 USC 1681 Section 604 A Sections 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card acoount under an open end consumer credit plan as late for any purpose.

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 2017-12-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear Representative, I had my loan on a deferment due to a hardship caused by unemployment. My loan was on a 1.25 % APR because I made my payments on time for the last 17 years, it was 1.75 % fixed rate, and it got reduced to a 1.25 % fixed APR. Since Navient took over the only thing I had had is issues. They change my deferment payment plan many many times without contacting me, and without reason. Their employees do not know what they are doing. 

After my 18 month deferment ended, they started to charge the auto debit payments again, which was declined because I had a new bank account number. They did not email me or contact me to notify me that a payment was going to be charged. I gave them the new information twice as the first one was not processed due to their incompetence. 

Now, they are charging me the wrong interest rate of 3.00 %. My rate was changed when I went to the deferment payments. Deferment payments should not change the APR in the account, I contacted them, and spent hours in the phone, and they always give me a different response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019 I was contacted by a local phone number that actually belongs to my city police department. The caller informed me that she works for the XXXX Police Department and she was trying to verify my location so that she can have me served with court documents. When I stated I did not know who would be suing me, she gave me the name of the law firm, XXXX XXXX XXXX at XXXX and said that I have an hour before my papers were served. When I called the number above, I was told that they were a law office and that I had a lawsuit against me for fraud and embezzlement and that I had one hour to pay the debt in full or they would contact my employer letting them know I had committed fraud. I agreed to pay the {$5700.00} on my credit card, which included a {$150.00} charge to rescind the court paperwork. 

After I paid charge I began to believe the claims were untrue so I returned the call I had received from the local police department which is when I discovered that my police department had not been involved at all and that it is possible for these scammers to tap into local authority 's phone banks to begin the scare tactics and send the consumer to the false legal firm. I then called back the company and was told they are actually a collection agency called " XXXX XXXX '' and that their parent company is " XXXX XXXX XXXX XXXX. I spoke to a XXXX XXXX and a XXXX XXXX, both of which used vile and insulting language, calling me a deadbeat and asking if this is how I raised my children to be a loser. All the while I told them I was trying to determine the legal nature of their collection practices. Now I am reaching out to all agencies to put a stop to the illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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 am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give EQUIFAX, XXXX, XXXX written permission to furnish these accounts listed below. 

1. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report. 

8. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. The status is incorrect for the following account XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Self Financial 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:
I noticed a new credit item on my credit report in early XX/XX/2023. Someone used my information to open an account fraudulently with Self Financial/Lead Bank for a {$720.00} secured loan. I filed a dispute with XXXX XX/XX/2023, and when the results found the info on my report to be valid, I filed again XX/XX/2023. Same results. I contacted Self by phone XX/XX/2023 with instructions to text them for an email to send my issue to. Email sent. Called back XX/XX/2023 after no response and spoke with a gentleman who verbally confirmed I was not the individual that opened the account ( I have a video recording of this call ). Told me to email them again with a copy of my FTC fraud claim report, I did. No response. Emailed again today XX/XX/2023 noting I opened a XXXX complaint after no responses. I discovered today a XXXX phone number and address were added to my credit report the same week the fraud account was opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-07
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On or around XX/XX/2020, I discovered numerous accounts on my credit reports, that were not opened by me. As a result of this theft, I have suffered irreperable harm, my credit score has been significantly affected, and the time that this has taken to remedy this damage has been unconscionable. 
I contacted the company CBNA, directly, a-prising them that they have mistakenly reporting adverse information on my report as I am not the person/individual that requested services, nor have I obtained any goods of any sort. 
As required by the FCRA, I subsequently mailed CBNA numerous documents, which included multiple police reports, affidivats, FTC reports and proof of my identity, letting them know this account was fraudulent.

They have continued to report this account on my credit report and in fact have negligently verified the validity of this account with XXXX  Credit reporting agency. I have asked that this account be remove from my report as a result. I have repeatedly asked for validation of this debt and the application that was signed requesting that this account be open. To date, they have sent me nothing, however, CBNA, continues to report this account as a charge off account. Further, negligent enablement of identity theft by false reporting, libel as well as continued false validation of this erroneous accounts violates many of my civil rights in accordance with FCRA rules. 
DOCUMENTS MAILED TO THIS COMPANY ARE AVAILABLE UPON REQUEST. DOCUMENTS HAVE BEEN MAILED 12 times since XX/XX/2020 2020

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 2019-06-07
Company: Receivables Performance Management, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Unverified Account Account Name : Receivables Performance Management Type : Collections Date Opened : XX/XX/XXXX Balance : {$1100.00} Debt : {$1100.00} Ive disputed this account information as inaccurate to the Credit Burous. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract -any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file. Their failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they're unable to provide me a copy of verifiable proof, they must remove the account.

I mailed Request for VALIDATION, NOT Verification letter to the original creditor ( Receivables Performance Management ). I requested Receivables Performance Management to provide me with any proof that the account belongs to me. Receivables Performance Management never responded. 
First Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Receivables Performance Management. A second Request for VALIDATION, NOT Verification letter was sent to Receivables Performance Management. Receivables Performance Management failed to respond again. The second Letter was sent out XX/XX/XXXX and received XX/XX/XXXX by Receivables Performance Management.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is the third time I have tried to get Truist bank to give me past bank statements demanded by Social Security XXXX. Without these bank statements from a closed account I am going to lose my benefits starting next month. XXXX from Truist called me twice over the past few weeks and all she does is lie to me and give me lip service and tell me the statements are in the mail. 

Today Social Security said if I dont have the statements next week theyre going to stop my benefits. Ive left several messages with XXXX from Truist and she never calls me back

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 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 on XXXX  is still reporting XX/XX/2021 XXXX XXXX account as missed payments. This is absolutely false and inaccurate. This account is accurate.

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 2019-06-07
Company: First Technology Federal Credit Union
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone in XXXX Texas  stole my identity.I was born in XXXX. Live in XXXX XXXX, 25min drive from where I was born. This guy came back to XXXX Texas? After 31 years this guy comes back and has 5 different addresses? He has 2 different addresses in one credit bureau. One address is for a business, a parking lot, an apartment, a house. I provided all my info, the only one on my side is XXXX, the other two have still have his info. According to them he has everything From Social Security Card, Birth Cert, State ID, and passport. I have XXXX XXXX, XXXX on my side saying that individual is lying. XXXX  refuse to give him a credit card twice due to the information he provided to them was inaccurate. The only one who took the bate was First Tech Federal Credit Union. He has a car loan and a credit card with them. After 5 months Im stuck. I did freeze my credit. Thats the only positive thing I have so far. I have no idea what else to do. Yesterday I went to social security administration and they gave me the same info i been doing for 5 months and nothing else. My friend in the NYPD and FBI have told me the same. " These GUYS, use multiple addresses and go fishing to different banks or businesses they can open a credit card, they have everything from Social to passport and even hire people to pass them as a relatives. We have thousands crossing the border. They pay {$5000.00} to {$7000.00} dollars to cross them at the border. They have bank account numbers written in their cloths. If they can pay XXXX to cross them over, they do have {$2000.00} to buy your info in the dark web. '' XXXX  did a check on the emails, phone number and so on. It came out in the report my email was in the dark web. Same email I use to send personal information to the companies I work for ... ..Its been a long 5 months ... ... ... Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: PROVIDENT FUNDING ASSOCIATES
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage loan with Provident Funding. We sold our home. It closed last Monday on XX/XX/2019 at the law offices in XXXX, North Carolina. The payoff was received by Provident Funding on XX/XX/2019. Provident had evidently quoted a XX/XX/XXXX payoff to the attorney 's office, and I just found out today that Provident refuses to process payoffs if they are short by even a penny. They returned the payoff to the closing attorney. Mr. XXXX XXXX of Provident informed me today that the payoff was short and I needed to give him a phone pay equal to {$24.00} per day for each day after the the XX/XX/XXXX payoff. I did that. If the attorney does not return the funds today he said he would be calling me back again to get all the additional days of accrued interest. I called the lawyer and they confirmed that Provident returned the payoff in full to them and they are sending it back to Provident again today. Mr. XXXX told me they really do not care what other banks do because they have their own internal policy. Why in the world could Provident not just go ahead and process the payoff, then hold the account open until the borrower pays the remaining balance full? Why the many days of higher than necessary per diem interest? It's their policy, and it's a bad one. In this case I continue to pay interest on {$260000.00} when I really only owed them one day at {$24.00}. It's not criminal, but it's not the correct way to handle a payoff, either. It's just a BAD internal policy and unfair to any consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION. 
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.

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 2023-07-19
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief