BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: EQUIFAX, 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 contacted XXXX & Equifax several times about XXXX XXXX Bank. This account has been reporting on my credit for over seven years. I asked that it be removed & they continue to report it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have written letters requesting the removal of the PMI on my mortgage. I purchased my home in XX/XX/2006 at {$450000.00}. I put down over {$100000.00}. Thats over 20 % down payment and we have resided in the home for over 2 years. The comps in my neighborhood are selling for over {$550000.00}.

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 2018-10-29
Company: Experian Information Solutions Inc.
State: OH
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 was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
On numerous occasions I have reached out to the company and also all 3 credit bureaus to remove these inquiries because they are not mines.

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 2019-05-28
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2019 submitted online request for security freeze/credit freeze on Experian and was denied. 
XX/XX/2019 submitted telephone request for freeze/credit freeze on Experian and was denied. 
Researched and found many complaints exactly the same from others trying to freeze at Experian. 

Need Experian to place security freeze/credit freeze either over phone or online

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.

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 2018-10-29
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I recently thought I wanted to consolidate my loans. On the same day I submitted the request I called to inquire about a step in the process, at which time I was informed it would NOT be in my best interest. I spoke with two people that day, both of which said the request wouldn't go through if I stopped at this point. One even said that if it does go through, just call and they will reverse it. 

Well the request went through and when I called they said they will not reverse the consolidation. The woman I spoke with just kept saying, " heh sorry about the miscommunication ''. Now I have a loan repayment not in my best interest and lost a year of my public service forgiveness. To make it worse the interest rate is higher than other companies that offer consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I had two separate XXXX XXXX XXXX account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st  payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Blance is {$3500.00} and I was offering $ 1800- {$2200.00} to pay off and the refuse my offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Financial Recovery Services, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This company had me on a payment plan for a year were they took out the money directly from my bank account after the year the bills was paid in. After a month past they started calling saying Im late I asked how could that be when you were taking the money out of my account the rep said she was gon na look into it and get back to me that never happened and the bills kept coming.

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: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The day of XX/XX/XXXX I went to Gap at the Mall XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. I was asked if i was interested in getting a Gap credit card, I said yes! 
They made a credit inquiry check on my credit and I was approved. 
They gave me a new Gap credit card! 

I came back the day of XX/XX/XXXX for shopping at the same Gap Mall at XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX. They ask me if I have a Gap credit card I say yes but I didnt bring it with me, I left it home. They ask me to just give my phone number, name and all informations so they can find my credit card, I give them all the informations. They told me they cant find my credit card, so I may not have one. I told them i do have one, its at home. I didnt understand why they couldnt find my information on their computer. 

They use all the information I gave them, instead of finding my Gap credit card information, they made a second time a credit inquiry on my credit. A week later I received a second credit card form Gap. 
Which is not good for my credit report. 

I call the company and tell them what happen and needed to be fixed, they told me their is nothing they can do about it. When it's done, there's nothing they can do. 

I want XXXX XXXX to take full responsibility of what they did to my credit report and fix it as soon as possible. 

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 non-monetary relief
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a  litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2018-10-29
Company: SUNTRUST BANKS, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2018, I submitted a payment in the amount of {$500.00} via my Suntrust bank A/C # XXXX Bill Pay. I realized two days later that the payment I submitted was incorrectly submitted to a closed account. I have immediately contacted Suntrust but I was told that they can not do anything since payment already gone through and I should contact the payee. I have contacted XXXX XXXX XXXX XXXX. XXXX told me that since I do not owe any money to them they are sending the money back to my bank. However, I have to seen any transaction on my account. I called Suntrust again and I was told to contact their Fraud/dispute department. Dispute Department told me to complete a form and fax it back to them. I have faxed the signed completed form on XX/XX/2018. 
to days later i received automated later saying my case was closed due to duplicate request. I have experience such foolishness. If the request is duplicate, there should be one and other should be rejected. Any way Suntrust Bank closed both of my cases. 
I called Suntrust Bank again today, and asked them to continue one case that has the required documentations. The dispute resolution person told me that I have to start all over since they closed the cases. I explained to her, Neither I closed the cases nor I have ever requested to close the cases. It is your mistake and you have to reopen it. The challenge to send them repeated documentation is that, only they can email me documents I can not send them any document due to their lousy " Security Reasons '' not can I upload to Suntrust 's so called secured Message service. 
I called XXXX XXXX XXXX, whom I mistakenly paid {$500.00}. XXXX told me that they processed my refund on XX/XX/2018 but suntrust does not have any clue. So, I need your help to retrieve my money from Suntrust and make Suntrust train their employee to understand the banking process so that their poorly trained employees do not cause such harassment to consumers. 
I am also attaching a copy of the document I faxed tro suntrust. 

Thank You very much. 

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 2018-10-29
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity thief they got my credit card information and used it when I found out i call the company and they still wanted me to pay the bills which I was because they were giving me a headache when I made most of the payment they closed the account I try my best to get the account open back they wouldnt so I asked why Im I paying for something I didnt use and the money kept going up

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 2019-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
This Capital One account is wrong, no activity for approximately two months but it was put on my credit in collections twice. Now my credit score has dropped both with XXXX and XXXX  and I need my points back the card is XXXX balance and has been for two months. Thank you in advance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Trans union failed to take off fraudulent credit inquiries done by identity theft fraud. I reported to them that companies XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. Are reporting on my credit report. These inquiries was not done by me. I did report this and they are take to long to delete these inquiries

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 2018-10-29
Company: Santander Consumer USA Holdings 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:
The company Santander Consumer USA incorrectly reporting payment history and payment status of an account in my name. I would like this issue removed from my credit report until it can be validated. The company is known for reporting falsely and inaccurately on accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX of XXXX, Bank of America reported an open mortgage account on my credit report and listed the account as going into foreclosure. This account has already went into foreclosure and the final judgement and property sale were complete in XXXX, XXXX respectively. I have contacted Bank of America Customer Service XXXX on several occasions and told them that this account has already been resolved and that they actually own the property. At first they lied to me and told me the final judgement had been thrown out and that the case was going back into foreclosure, I asked for proof and never received anything. Twice during conversations I was escalated to a supervisor and was given a fax number to send in my documentation, both fax numbers did not pick up or allow me to send my documents XXXX XXXX / XXXX XXXX so I mailed them a copy of the final judgement and the notice of sale. I want this corrected and off my credit report, and after 5 calls to Bank of America to resolve this I have no confidence that further communications with them will resolve anything

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 2018-10-29
Company: GreenSky, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This GreenSky loan/line of credit is the payment method for XXXX XXXX replacement windows applied for in person with an XXXX sales rep. 
GreenSky did not provide statements of the loan from XX/XX/2018 until XX/XX/2018. Their paper statements and website encourage the use of e-statements, but I was told several times that their e-statement portal does not work properly. I was told statements will never be made available from XX/XX/2018-XX/XX/2018, that they do not have the necessary information. 
I had to spend several hours over 6 telephone calls attempting to get the account information I am entitled to and that they are obligated to provide. During this time, I also received a letter from GreenSky that my complaint had been closed since they were unable to reach me, although they did not try to reach me. I provided two phone numbers, a fax, and an email address. 
I can not recommend working with GreenSky for any reason. Terrible service flouting consumer finance guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 Made a purchase using my Capital One Card for  an online service XXXX. They had a cancel anytime fully refundable policy. 
XX/XX/2020 I chatted with the XXXX representative through their online customer service and canceled my plan. 
XX/XX/2020 I was charged for a second month of XXXX. I disputed now both charges for XXXX through Capital Ones online dispute system. 
XX/XX/2020 I received a packet from Capital One. Stating it contained evidence of purchase. I didnt dispute that I made the purchase. I asked for a refund and wasnt given the refund and then was charged a few days later for a second month. I then sent Capital One a letter stating they should back me and that this company was committing fraud. 
XX/XX/2020 I received a letter from Capital One stating because the had an invoice of my purchase and they needed me to supply documentation of my cancellation. I did this through the fraudulent companys chat system proving to be impossible for me to supply proof. I couldnt even do a print screen of the chat when I was online XX/XX/2020. Capital Ones letter stated I should go directly to the fraudulent company if I wanted a refund. 
XX/XX/2020 I wrote to Capital One stating I had called them and was on hold for over 90 minutes before I was transferred to another department with a wait time of 2 hours. Then I submitted the links to show XXXX F rating with the XXXX  and I included their refunds and returns policy. I requested my refund of {$39.00} x 2 months immediately. 
I pay Capital One 24 % interest charges. They should do the right thing by their customer and not XXXX, an F rating from the XXXX   with over 260 complaints in the past 2 years. 

XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX Product Guarantee : Our Pro plan comes with a 30 day, money back  guarantee. If you try our XXXX application as a Pro user and decide it is not for you, you can simply cancel within the first 30 days and get a full {$39.00} refund by emailing XXXX anytime 24/7.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is the third time I have filed over this issues concerning these accounts that I requesting documentation from the following companies : XXXX XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX. I had already file a FTC complaint and Police report. I have requested a updated credit report with these unverified accounts deleted.

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