BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-04
Company: Account Control Technology, 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:
ACCOUNT CONTROL TECHNOLOGIES recently began reporting Account number XXXX as derogatory on my credit report, after I initially requested validation of this debt a year ago. To this date, I have yet to receive validation of the debt. It was however removed until recently. 
XXXX, Account Control Technologies, and the original creditor, XXXX XXXX failed to provide debt validation in the time allowed by the FCRA. As such, this derogatory, and unverified information should be immediately removed. 

This debt was never even mine as it belonged to my son. Upon speaking with XXXX XXXX they removed this debt from my name and placed it in my son 's name which was paid off. 

Account XXXXontrol Technologies is further breaking the law by reading this debt on my credit report claiming the account creation date of XX/XX/2021. This is obviously false, as it was originally an account that was not mine with XXXX XXXX years ago.

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 2019-09-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened an account with Citi bank on XX/XX/XXXX with an offer of receiving {$400.00} ( Promotion number XXXX ) within XXXX months of opening account opening. Spoke with Citi several times during XXXX and they advised me that I should wait, but I definitely should expect the money within days. I was sent a document from Citi on XX/XX/XXXX that I need to fill up a XXXX document and should expect my money right after. I mailed the letter, then I called Citi to confirm its receipt, they acknowledged that they received it, everything is fine, and that I should expect the money in my account soon. In XX/XX/XXXX I was sent the exact same document ( attached ) telling me that I need to fill a XXXX and mail it to them even though they already have it. 

It is worth mentioning that I am an international  XXXX from a tax free country ( XXXX ) and do not have an SSN.

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 2019-07-16
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I received a postcard stating that an order of default was entered on XXXX by a XXXX XXXX XXXX. I went and filled a notice of motion with the circuit court of XXXX county Illinois. I had proof that this Walmart credit card with a {$1000.00} limit, had indeed been paid. The judge told me that this was not the hearing for that matter. XXXX XXXX   purchased this alleged debt from XXXX XXXX. The problem is I don't owe this debt! I have email confirmations that prove my payments. I work as a XXXX XXXX which is considered part-time. In XXXX XXXX XXXX  was allowed to garnish my paychecks If they are more than {$740.00}, sometimes more than {$200.00} a paycheck. I have XXXX children and the money I am left with is below poverty for a XXXX person household. I need help with stoping this that is making it impossible for me to buy food for my children.

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 2019-10-14
Company: Google Compare Credit Cards Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I purchased 3 - {$100.00} dollar google play gift cards with my credit card at my local XXXX store on XXXX XXXX 2019. I purchased them originally for my daughter who later I found out owns a XXXX device and not google. Unfortunately, gift cards are not returnable so I decided to try and sell them to someone else at a small discount due to I wanted to recoup at least some money from my mistake. Well, google trigger a possible fraud alert on my 3 gift cards and for whatever reason they will not re-activate my gift cards. I sent in pictures of the cards, receipts and even my bank statement and I get these automated responses from their representatives but no response from this mysterious back office. I find this ridiculous and unacceptable that this big corporation can just hold my money hostage as I already established who owns these cards and who purchased them. I request the CFPB take injunction action immediately and file a formal complaint on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have noticed unauthorized inquiries on my credit report. My social security number was use for personal gain. 

According to the FCRA { Fair Credit Reporting Act }, legally these unverified and unauthorized item Must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: AZ
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 sent in investigation request with no results to get fraudulent information removed i have also contacted creditors with no results or call backs please have a complete investigation done to remove the fraudulent accounts and inquires XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$1000.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXs Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/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 2018-01-22
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My home is in foreclosure. I am working with Specialized Loan Servicing. I submitted a request for modification through XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX has not been active as an advocate for me to get relief from SLS. On XX/XX/XXXX I received a letter from SLS indicating they want a letter of explanation. This followed a request for a copy of my pension documents from the XXXX XXXX XXXX County, Maryland. The requester was XXXX XXXX, ID # XXXX. All of this information was to help them modify my loan to a point I can make the monthly payment. Just a few days later, before I was able to submit a letter of explanation I received a letter from XXXX XXXX ID # XXXX, dated XX/XX/XXXX ( just 4 days ) indicating my loan was modified and my trial payments were {$1500.00}. This is the same modification that was offered to me in XX/XX/XXXX. I talked with XXXX XXXX then and told her I could not make that payment due to my fixed income. I am XXXX and receive a Social Security check for {$1800.00} a month and a pension check for {$430.00}. This pension is based on my being a Volunteer XXXX XXXX XXXX for 43 years. I told XXXX XXXX in XXXX I could not afford the monthly payment and needed it to be around {$1000.00} a month. Notwithstanding she sent the same modification out so I can not afford it and they will take my home. She did not reference any of the documents sent to them by XXXX wherein I requested the lower payment. Furthermore they made their decision before I was able to send the letter into XXXX XXXX. In my opinion they are bargaining in bad faith, knowing I can not afford their modification. I have lived in my home since 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 2021-12-04
Company: Resurgent Capital Services L.P.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
After a dispute with two items on my credit report, the creditor agreed on XX/XX/21 to remove the two items from my credit report. The items were not removed. I again disputed them to show that creditor agreed to remove them but now they are saying the information is verified as accurate. How can they say that when they had agreed to remove them. The original creditor was XXXX XXXX Bank for both accounts. The amounts were {$1200.00} & {$1400.00}. Now the account is listed under LVNV FUNDING LLC C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I Got A Letter In The Mail From Department Of State Saying I Receive {$1700.00} With Bank Of America, I Have Not Open An Account With Bank Of America, Now I Can't Receive Any Government Assistants. This Has Made My Life A Bit Harder Now With The Pandemic.

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 2021-12-04
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:
XXXX XXXX XXXX recently began reporting Account number XXXX as derogatory on my credit report, after I initially requested validation of this debt a year ago. To this date, I have yet to receive validation of the debt. It was however removed until recently. 
Experian, Account XXXX XXXX, and the original creditor, XXXX XXXX failed to provide debt validation in the time allowed by the FCRA. As such, this derogatory, and unverified information should be immediately removed. 

This debt was never even mine as it belonged to my son. Upon speaking with XXXX XXXX they removed this debt from my name and placed it in my son 's name which was paid off. 

Account XXXX XXXX is further breaking the law by reading this debt on my credit report claiming the account creation date of XX/XX/2021. This is obviously false, as it was originally an account that was not mine with XXXX XXXX years ago.

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 2018-01-19
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Repeated calls over 3 years to Navient to inquire about status of loan repayment. Repeatedly asked for loan to be changed to active repayment, and was told that my loan was in active repayment, even though the status on Navient web site said deferment. Due to this misinformation, my account continued to accrue unnecessary interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Innovate Managed Holdings, LLC
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I have ask this company multiple times to provide me with the amount of Interest I have paid and the amount of principal paid towards the cost of my loan ; as of today they have only provided account history this does not disclose how much of of the paid amounts were to interest. I feel that this company is a predatory lending company. My loan amount keeps increasing instead of decreasing. It is going up as I make my monthly payments. I have enclosed a document reflecting this. They will not provide me with a copy of my loan agreement. I believe that they are charging interest per day my loan is open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: PNC Bank N.A.
State: FL
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:
they closed my accoutn for zero reason never been late nothing have excellent credit bc im XXXX and XXXX they did this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Experian Information Solutions Inc.
State: LA
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:
i AM A VICTIM OF IDENTITYTHEFT AND NEED THE REPORTING AGENCIES TO REMOVE THESE ACCOUNTS, WITHIN FOUR DAYS OF RECEIVING MY AFFIVIDAT

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 2019-02-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing this letter because of erroneous information on my file. I have been disputing these accounts for sometime now, I demand comply and conform or I am taking a legal action as soon as possible.

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 2017-10-04
Company: HOVG, LLC
State: ME
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On/about XX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To CFPB, I am filing this complaint against XXXX XXXX who recently placed on my credit report an account that is fraudulent, they are reporting that I owe XXXX XXXX ( formally XXXX XXXX ) {$640.00} How crazy does things get? I owe XXXX NOTHING!! This collection agency just caused my credit score to go down because of this fraud that is being reported by XXXX XXXX therefore, I am requesting that CFPB investigate and fine XXXX XXXX XXXX XXXX XXXX dollars for their fraudulent activity. 
Further, when I contacted XXXX this morning about this fraudulent activity by XXXX XXXX they were stunned that anyone would pull such a stunt on some one with such a good paying record with them and instructed me to upload to you, CFPB a copy of my bill which clearly shows I owe NOTHING and am current. 
I will now upload that document to you so you can see for yourself that what XXXX XXXX has done is both illegal, slander, fraudulent, nonsensical, and defamation of my character and they need to be punished for this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a local Bank of America XXXX to deposit a {$10000.00} check. I was given a print out with a transaction ID informing me a hold. I was given dates the funds would be available. The deposit was made around XXXX pm on XX/XX/XXXX. {$5300.00} was supposed to be available on XX/XX/XXXX at XXXX pm and {$4400.00} is supposed to be available XX/XX/XXXX at XXXX am. As of today XX/XX/XXXX that portion is still not available. I have {$4.00} in my account and was told my money would not be available until XX/XX/XXXX at XXXX am by one customer service rep. I explained that it depending on that money and can not live on {$4.00} for nine days. I was then transferred to another customer service representative and was basically told nothing could be done. I have previously banked with XXXX XXXX and made large check deposits and my funds were available the next business day. Given the circumstances I was lied to about when my funds would be available I would like to File a complaint against Bank of America for not processing check deposits in a timely manner. I will have to borrow money for my bills, rent, and groceries until the money is available. This is the second time Bank of America has placed a hold on my funds. The first time was in XXXX and was a paycheck from my employer in the amount of {$600.00}. I understand that the check has to clear but the fact that I have used other banks and never had an issues with a hold this long makes me very upset. Bank of America was not willing to do anything. I asked if I could just have at least {$500.00} available to hold me over until they process the check and was told no. {$4.00} is not going to last 9 days. They need to reevaluate how the process check deposits. They told me all banks take that long and place holds but not in my experience with other banks.

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