BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On Thursday, XX/XX/2021, I, the consumer and natural person, extended credit via my credit card ( social security card ) 15 U.S.C. 1602 ( l ) to SYNCHRONY BANK. SYNCHRONY BANK used my credit and I didn't receive any benefit which is a violation of 15 U.S.C. 1602 ( p ) for unauthorized use. As I read the terms and conditions, SYNCHRONY BANK did not conspicuously disclose my right of rescission under T.I.LA. 15 U.S.C. 1635 which holds them civilly liable under 15 U.S.C. 1640 and criminally liable under 15 U.S.C. 1611 along with a {$5000.00} fine. On Tuesday, XX/XX/2021, I sent my right of rescission along with a cease and desist letter under 15 U.S.C. 1692c ( c ). On XX/XX/2021, SYNCHRONY BANK sent me an e-mail requesting payment and they are currently still reporting on my consumer reports. These acts are violations to my cease and desist. Their reporting damaged my credit and caused me to be denied for a personal grantor business credit card from XXXX XXXX XXXX XXXX. SYNCHRONY BANK provided a monthly statement with a positive balance. The positive balance is a misleading representation. They attempted to collect a debt on my credit that I provided to them. I have sent an Affidavit of Truth with all of the facts and exhibits. I demand remedy for all injury against the consumer.

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 2022-02-19
Company: CITIBANK, N.A.
State: VA
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:
I have a structured settlement agreement with Citibank concerning a outstanding debt. The settlement was agreed upon between my lawyer XXXX XXXX on behalf of myself and a my contracted debt settlement company, XXXX XXXX XXXX, and the debt collector for Citibank XXXX, a law firm in Virginia. The account was settled last year in XXXX of 2021. I have a copy of the settlement with a payment schedule which has been adhered to being paid by XXXX XXXX. 

Citibank is currently reporting the incorrect balance and a failure to pay on my credit report. Since the settlement last year. I have attempted several to contact Citibank and correct this issue, but they direct me to XXXX. 

My lawyer XXXX XXXX contacted XXXX last week, they stated the do not report to the credit bureaus and that is done by Citibank. 

After contacting Citibank several times I can not find a person to assist me and the keep giving me a tun around. 

I have filed several disputes with the credit bureaus but the keep finding in favor of Citibank This has been going on for over a year now the balance is incorrect and so is the payment history with the negative impact on my credit reports.

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 2017-10-30
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Please note : XXXX stands for XXXX XXXX XXXX, which is me ( XXXX XXXX ) Mortgage company is not being responsive, please see attachments. I have tried to contact lender on following dates : XX/XX/XXXX - confirming lender received documentation XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - email lender and cc XX/XX/XXXX - called lender was on call for 20 min., only to be told she can not help but will pass my contact info to the loan counseling dept hopefully someone will call back in 24-48 hours.

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 2019-05-11
Company: BB&T CORPORATION
State: NJ
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:
I purchased a vehicle in XXXX of 2018 and acquired a loan through BB & T. 

After noticing a {$2500.00} warranty was added to my contract that, I did not want, I contacted the dealership and they deducted the {$2500.00} warranty cost off my contract and resubmitted the loan information to BB & T. 

My credit report now shows that I have two open vehicle loan accounts with BB & T : The original loan for {$35000.00} that should have been voided. 
And the current loan that has a balance of {$29000.00}, which is the correct loan that I am currently paying off.

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 2022-03-14
Company: WAKEFIELD & ASSOCIATES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have had multiple issues with Wakefield and Associates. They furnished incorrect information to my credit report. Each time I have attempted to reach out to them to gain insight into the debt and also where they got their information from so that I can dispute what is incorrect I have been met with walls. They reported an account to my credit which I have no knowledge of. When they did so they also reported an incorrect address for me that is now indisputable from my credit. When I spoke to multiple agents at the company to try and inquire about the debt I was told that there was skip tracing run on the account they claim is mine ) but they wouldnt provide the name of that agency so that I could request a report and dispute incorrect information. This happened with multiple agents and I do have the calls recorded. For that account in question they also have completely impossible dates and amounts given to XXXX and XXXX which is why I say I have no knowledge of them. Over the course of XXXX  I sent multiple letters requesting validation of the debt which they claim to not have received. This is due to them refusing to provide me any place to send mail other than their po box and as such I have no way of certifying how received the requests on my behalf. This is a common stall tactic among unethical unscrupulous debt collectors as is all of their previous refusals of my lawful requests.

I spoke with them one last time to try and tell them if they didnt adhere to law I would send them a cease and desist as I have no possible way to work with them in an ethical manner, and on that call also recorded the gentleman told me thats ok well just let it sit and continue damaging your credit and report additional accounts well I still tried my best to get the information out of them I needed such as the address of their registered agent to have them served with my suit as well as the names of the agencies they used in conducting a consumer report about me and an address to receive certified mail given the nature of the circumstances. All requests were declined. Then on XXXX they reported a new account to XXXX, XXXX, and XXXX so they made good on their threat due to the requests I was making. On top of that the account has incorrect information as well as personal information I already disputed to the company directly on a recorded call. 
They violated my rights under law many different ways there and there are too many statutes to cover in this space.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: Experian Information Solutions 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:
I have disputed the information you listed on my report : XXXX XXXX XXXX - Account # XXXX : Unverified account XXXX XXXX AUTO XXXX - Account # XXXX : I have never paid this account late. 
XXXX POLICE FCU - Account # XXXX : Unverified Account My personal information has been reported wrong : - I have never known by these names : 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 2021-05-11
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 11 accounts that do not belong to me I have been going back and forthe with the bureuas regarding this since XXXX of 2020 I have opened an FTC I have called and written letters to the bureaus but nothing is being opened or even looked at I need this taken care of since these are not my accounts and they do not belong in my report!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : JXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : 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 2021-11-07
Company: EQUIFAX, INC.
State: PA
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:
EQUIFAX IS REPORTING PAYMENT HISTORY ON A CHARGED OFF XXXX  ACCOUNT. IF THE ACCOUNT IS CHARGED OFF WHY IS IT REPORTING POSITIVE PAYMENTS? I HAVE NOT MADE ANY PAYMENTS ON THIS ACCOUNT. THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE REMOVE IMMEDIATELY. 

I AM NOT A CREDIT REPAIR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested from Wells Fargo by Registered Mail proof Of Notice of Default and Notice of Trustee Sale and where it was mail. I never received any of the  following. 

I also requested by Registered Mail before my home went into Foreclosure Proof of the Series bonds back and front. I was talking to some one for weeks about the situation and they was telling me over and over every day for over a month they was getting the information requested. I was calling at least 5 times a day according to my phone records of both my Cell phone carries. It was some weeks over 60 calls.
I spoke to the same man about the situation and I was getting the run around for what I had requested.
Wells Fargo had my address update and sent me a letter stating that they had on file to mail all important mail so why is it I never got a Notice of default or notice of sale.
I also have other issues to my loan documents that I have when I first closed was not all sign and I have all the papers that was giving to me and it 's like 24 sign lines not sign by me left blank. I have discuss this with some one some where else to this situation as well. Wells Fargo has yet to explain all these issues I have a lot of Registered Mail to them going back to these issues at hand about all these issues.
Nothing but the run around or they mail things you do n't ask for and a bunch of papers that have nothing to do with what you ask for.
talk to the office manager in XXXX about how the association would not let me in at my own property. that issue went own I was paying the payment and could not even get in I was told Wells Fargo did not answer the notice that was sent to them. I call and they kept sending me around in a circle about that issue I was told by the manager at the XXXX office I was still the owner it was one lie after another with Wells Fargo My next issue was with the IRS tax lien on the property and it was for {$34000.00} on the property and I was told you can not remove a tax lien by the IRS once place on it.

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 2021-11-07
Company: AMERICAN EXPRESS COMPANY
State: NC
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 recently received a copy of my XXXX credit report and noticed American express is updating monthly and reporting open accounts to XXXX in my name with a balance. I contacted Amex and XXXX multiple times and XXXX tells me the information they are receiving is coming from American express and is 110 % accurate and American express tells me they are not reporting anything to any credit reporting agency 's. it has been going back and forth, both blaming eachother and when i call they say they have no record of me disputing anything, even when i provide the same confirmation number they give me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: SUNTRUST BANKS, INC.
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
THEIR WAS A {$2400.00} CHARGE ON MY MY SUNTRUST MASTERCARD ON XXXX-XXXX-2017 THAT I DIDN'T AUTHORIZE. IT WAS PAID TO XXXX XXXX. I TRIED TO CONTACT THE BANK AND WAS TOLD IT WAS LONGER THAN 18 MONTHS AND THEY COULDN'T DO 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 2021-09-13
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a Chapter XXXX Bankruptcy reporting on my credit file. Reference Number XXXX I have verified with USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX They do not report or subscribe to XXXX or Equifax so how is it possible that you have verified this info. Remove at once or I will file a lawsuit and seek damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Western-Shamrock Corporation
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have an account with Western Finance XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX.The representative was XXXX XXXX . 
The representative could not reach me and contacted my referance XXXX XXXX XXXX. She stated she couldnt reach me.my referance then asked whats her balance with yall? That information was given. The referance then asked " How much of that is past due? '' she then gave that information as well. My referance then attempted to pay on the accouny for me out of concern that it was delinquint an payment was refused and she was asked to pay a full payment instead and that amount was given to her as well. She then told the representative she would try an reach me and she then reached out to me and was very upset. The representative has now upset my friend and myself by involving her in my financial situation. What happened to protecting my privacy with the Gramm Leach Bliley act.When contacting the store with my concerns no apologies where given.I asked to speak with her Supervisor and she gave me the number to the manager atanother store whom I recognized from speaking with her before. They alwys have other store managers calling trying to imply they are higher ups in the company. Its n old collection tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the XXXX XXXX XXXX, XXXX account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.

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 2021-11-07
Company: Galaxy Capital Acquisitions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Galaxy International Purchasing continue to report inaccurate and illegal account on my credit report. In my last dispute with this inaccurate and illegal account a agency from Galaxy International Purchasing name XXXX XXXX responded with a letter stating that Galaxy International Purchasing dont and have not reported to any credit bureau XXXX I have attached supporting proof documentation from my credit report clearly showing that this inaccurate and illegal account is on my credit reporting. The statement by XXXX XXXX XXXX is subterfuge and not truthful as you can see by the supporting documentation I have attached. Galaxy International Purchasing is violating the FCRA requirements by continuing to report this inaccurate and illegal account after I have stated to them I am not the rightful owner of this inaccurate account. This is not right or fair to me and this inaccurate account being reported by Galaxy International Purchasing has caused serious injury and harm to me.

Please see attached copy of credit report showing this inaccurate and illegal account being reported after Galaxy International Purchasing stated that it wasnt being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I requested of this credit bureau there method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. To this date I have not gotten the method of verification. Close to 4 months have passed since the credit bureau got my request and my request has not been granted and this is a clear Fair Credit Reporting violation. The only thing that I got from the credit bureau was a statement saying that the item was been reported on my credit report accurately. 
I wonder how they can say that the item is been reported accurately when XXXX is saying that the XXXX  XXXX XXXX account went into a charged off status in XXXX, XXXX and XXXX and Equifax is saying that the account went in a charged off status in XXXX XXXX. On My XXXX  account it says that the account is paid in full and it also says that the last payment was received on XX/XX/XXXX. So, how can it be that all three credit bureaus is getting the information from the same source but yet different information is listed on each credit report. This is inaccurate information that is been reported on my credit report and XXXX  XXXX XXXX should be deleted from my credit report immediately. I am enclosing a copy of my XXXX Credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Ive notice some unauthorized inquires on my consumer report. ive attached and FTC report with my current information and my identification so that you can verify that it is me submitting this claims. I didn't give anyone permission to furnish my consumer report. Pursuant to FCRA which was written by the congress to make sure all Credit Reporting Agencies abide by all consumer laws. I the consumer is the only one that has to consumer right to say what belongs on my consumer 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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This debt is old and I have already paid it off, it should no longer be reporting to my credit.

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 2021-11-07
Company: RFNA, LP
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I opened a Republic Finance account on XX/XX/XXXX. Unfortunately the account when to collections, and after saving money I paid it off in XXXX, and the reporting stopped. In XXXX, I noticed that a XXXX Republic Finance account appeared on my credit saying I owed money for a new location, and I tried to dispute it. I reached out to Republic finance to show that it was paid off and that it should be removed from my credit. After a while of trying to get it removed and correction with Republic Finance and the collections, they acknowledged the cleared debt with my bank statements, and I never heard from them again. However, the debt was never corrected on my credit. In XXXX, I started getting more random calls about the debt, so I showed them the exact same documents showing it was paid, then they stopped contacting me, but they never removed it from my credit. Every time I try to contact them about my credit I get no where, and they say they are correcting it, but they haven't.

Company response to consumer: Closed with explanation