BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-22
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank has lowered the credit to all my accounts for no reason. I recently paid off several other accounts, so Im not understanding why they consider me high risk or too many high balances when they are the ones making it higher, when I owe less than half of the amount. Care credit card, XXXX XXXX card. Car care card all within the last few months. I have NEVER been late on any payments with any of these accounts. It is unfair how people work and pay their bills ONTIME and some actually lump sums. I understand that were still in a pandemic but this is unfair practices and treatment of a long time customer.

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 2018-03-10
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on 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 2021-03-30
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX SS XXXX This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, MN XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX BOX XXXX XXXX, ND XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on 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 2020-09-23
Company: LEXISNEXIS
State: TN
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 have sent multiple letters asking for the method of verification that was used to very the bankruptcies that appear on my credit report. This agency has yet to respond to any of the request made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: AMERICAN PACIFIC MORTGAGE
State: HI
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:
We took forbearance with American Pacific Mortgage in accordance with the CARES act. As such, the loan should NOT have been reported as delinquent to the credit bureaus. I have spoken with American Pacific Mortgage and they said that they never reported it as delinquent but all three credit bureaus say other wise. The loan has since been sold to 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 2019-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I never had business with either of these companies and truly have no idea who they are..I do not owe this debt. You need to get this XXXX off my credit report immediately as it is damaging to me XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2021-03-30
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 two accounts on my credit report that are not mine they do not belong to me I have not applied, signed or used these accounts nor do I know how they got there. 

Account Name : XXXX  XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : 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 2018-06-05
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX, I received notice from my mother who is not on the account or an authorized party to the account that she received a call from IC Systems. They stated that I had an account in collections for me. Provided her with my name, address, email address, phone number. The name of the account as being with XXXX, the amount of the debt, how many days past due the debt was. They knew this was not me yet they provided all of the information to an unauthorized 3rd party and violated my rights under the FDCPA. 
She indicated this was not my number ( which it is not ) and that she would give me the message and hung up. She then notified my about one hour to an hour and a half later that they called her back again looking for me on this debt after she already told them this was not my number and after they already disclosed my debt! My wife called the company and immediately asked for them to cease and desist calling. They kept asking when we were paying. She told them that they had violated the law and disclosed all of our personal financial information. They just kept saying ummmm. They said that they would send me to consumer affairs and after 4 attempts to reach someone and more than 14 minutes of being on the phone, no one at consumer affairs came on the line. While on the phone, I discovered that this company is known for their deceptive practices while attempting to collect debts and their known FDCPA violations. I told them this was not right and again I did not get anywhere. I feel as if my privacy has been grossly violated and that the continual calls and violations need to stop. I need to ensure calls to XXXX have completely ceased as this is not my number and no information should be disclosed to anyone but myself or my wife. I truly feel that due to the known violations of the disclosure that my credit should be cleared and the debt expunged and that XXXX should seriously look into an accredited collection agency which IC Systems is not. Also, when my wife called the company, they did not disclose their name as they should while initially calling their XXXX number. She had to ask them the name of the company and for details.

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 2020-06-05
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 XXXX XXXX I found accounts not belongs to me I have a big problem because the person open that accounts has all my information and open fraudulent accounts under my name this is a fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Grant Mercantile Agency Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them.. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Wakefield and Associates placed a debt on my account XX/XX/2020 for the amount of XXXX. I never received a call or notice in the mail to resolve the debt. All the debt from XX/XX/2020, when I was involved in a car accident. I was represented by an attorney, so the account should have been sent to my attorney instead of on my credit. I called to let the company know I never received a letter from them and asked them to send me a letter they have yet to send me a statement.I also asked them remove the account of my credit and they refuse to remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
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:
I XXXX XXXX I found accounts not belongs to me I have a big problem because the person open that accounts has all my information and open fraudulent accounts under my name this is a fraudulent 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 2020-05-18
Company: U.S. BANCORP
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was unable to open a checking account at a new bank today because they see I have a balance pending with US Bank. The amount is ~ {$300.00} and has been outstanding since 2015. I do not recognize this and firmly believe this is a mistake. I have called US Bank and spoke to their representatives yet no one is able to provide any explanation as to what this relates to. I have spent more than 2 hours speaking to their representatives and they just keep transferring me between departments. They are trying to charge me {$300.00} dollars without any explanation. 

Because of this record, I haven't been able to open a bank account and set up utilities in PR.

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 2020-06-25
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting on my XX/XX/XXXX Equifax credit report as closed, with a {$0.00} balance, and paid as agreed. However it is negatively reflecting late payments for the months XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. If this account is closed, with a {$0.00} balance, and reports pays as agreed, it is contrary to report that I am late on 3 months of payments when the balance is {$0.00} and states " pays as agreed ''. This account is reporting as closed. So it can not be reopened as per FCRA regulations. It reports a {$0.00} balance so no money is due for that reason, and late payment reporting is untrue because the above is true as XXXX XXXX XXXX XXXX and Equifax have reported previously and as of the XX/XX/XXXX Equifax report. See attached Equifax credit report documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Transition has on my credit report a Bankruptcy stating that they confirmed their information with the US Bankruptcy CourXXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. They can not provide the individual or individuals in which this information is proving to by correct. As to information given me such courts do not confirm such informatiom. Transition will not let me further dispute this reporting. I am asking for them to provide the person that confirm such information to be true or for them to remove this reporting from my credit report. I asked that they provide the individual, name phone number address or deletion.

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 2021-08-22
Company: Lending Club Corp
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I went to www.lendingclub.com for a consumer credit transaction.

Lending club denied my credit application & sent an adverse action.

Denying my application & sending an adverse action is considered DISCRIMINATION against me the Consumer.

Me the consumer & natural person was excising his rights under Title 15 Chapter 41 when LENDING CLUB was DISCRIMINATING.

LENDING CLUB is also committed fraud by denying my credit application for the extension of credit.

This company violated 15 USC 1602 ( g ) by denying me something that only I can extend. I am the consumer, natural person, and original creditor.

Pursuant to 15 USC 1602 ( f ) credit means the right granted.

15 USC 1602 ( l ) states that a credit card means ANY CARD. That card is my Social Security Card.

15 USC 1602 ( f ) shows that credit means the right granted by a creditor. All of this means that only the original creditor ( me ) can extend credit with my credit card.

EXTENDING CREDIT IS MY RIGHT UNDER TITLE 15 CHAPTER 41.

LENDING CLUB showed discrimination because I was exercising my rights under Title 15 U.S. Code CHAPTER 41 CONSUMER CREDIT PROTECTION.

LENDING CLUB Failed To Comply With Title 15 U.S. Code 1691a ( 3 ) because the applicant has in good faith exercised any right under this chapter.

Title 15 U.S. Code 1691e ( a ) Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class.

Title 15 U.S. Code 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection.

LENDING CLUB denied my credit application thats an UNAUTHORIZED ACCES DEVICE & UNAUTHORIZED CREDIT CARD US Pursuant To Title 18 U.S.C. 1029 ( e ) ( 3 ) & consider a CRIME Pursuant To Title 18 U.S. Code 1029

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
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:
I am writing about an account which reports from XXXX, It is reporting different data for each bureau. I tried pointing out the issue to Transunion, XXXX  and XXXX  I have fallen on XXXX  XXXX. this could potentially effect the purge date and continue to impact me by continuing to report inaccurate misleading data. 

The late pay dates are not consistent, which this can't be since they get the data from the original source and a proper investigation if done correctly would have solved this problem yet it persists.

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 2017-12-07
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My trading account was closed at Coinbase/XXXX several years ( circa XX/XX/XXXX ) ago for unknown reasons. No reason given. No dialog opened for reconciliation. 

I attempted to open a new account today XX/XX/XXXX and the account was immediately closed, again with no explanation. 

To my knowledge I have not violated any of the Terms and Conditions set down by either company and wish to trade on their exchange as an individual. I am not engaged in any illegal activity or banned businesses listed on the XXXX Terms of Service. 

Their " support team '' is non responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have paid my taxes and my servicing company Shellpoint has forced placed an escrow account to my payment. When they paid the taxes I sent the money back to them in XXXX of this year after explaining I pay my own taxes. They have misapplied the payment and have yet to rectify the situation since XXXX of last year. My payment has increased from {$1800.00} to XXXX. This is unethical and been a frustrating experience with this servicing company. I have been trying to refinance since XXXX and this has held the process up. I have been negatively impacted by Shellpoint negligence and failure to correct their mistakes timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted the credit reporting agencies numerous times over the past year to have them dispute these credit inquiries from my credit report. Each time I have called and asked to have them to dispute the inquiries they have informed me to call the creditor directly to have them to correct the error. How can I contact the person listed on my credit without all the information needed to dispute it directly with the person that put it on my credit report.

Company response to consumer: Closed with explanation