BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made two payments on my Walmart and one of the payments were returned in error from my bank. By returning the payment Walmart Synchrony Bank closed my store credit card account. I called my bank and received a letter from them stating the return was in the banks error and not mine. which I have attached to this complaint. Synchrony Bank Being so big it is extremely difficult to navigate through the representatives in order to to get this resoled correctly. I always seem to get the wrong information or the representatives doesn't seem to know what I am speaking about. So I have to make a complaint. I just want my account reopened and I will make the {$280.00} payment in cash to bring the account current.

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 2019-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Citizens bank has increased my HELOC rates over 3 % over the last three years. My rate is well above the national average yet I am in good credit standing and have never missed a mortgage payment. 

When I called Citizens Bank in winter of XXXX they told they couldnt help reduce the rate until XX/XX/XXXX. I tried reaching out back out in XXXX and have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2020 Rushmore Loan Management Services Department of Consumer Affairs XXXX. XXXX   XXXX XXXX, CA XXXX XXXX : WRITTEN REQUEST Pursuant to CFPB Mortgage Loan Servicing Rules To Whom It May Concern : In  XX/XX/2020, my loan was transferred from XXXX XXXX XXXX Mortgage to Rushmore Loan Management Services. I made my XX/XX/2020 and XX/XX/2020 payments of {$2600.00} to Rushmore Loan Management Services. 

On XX/XX/2020, I received my Annual Escrow Account Disclosure Agreement and Change of Payment Notice. It stated that my monthly mortgage payment was going to increase by {$570.00} per month as of XX/XX/2020 because of Rushmores Escrow cushion policy, which is egregiously  excessive. 

On XX/XX/2020, I spoke with the customer representative about the increase in my mortgage payment. I am requesting that my loan payment be reduced as it relates to my escrow analysis to remove the cushion. 

Please note that this increase is excessive. My property taxes have only increased by {$120.00} per month. Since XXXX XXXX transferred my loan, Rushmore is increasing by {$570.00} per month which is excessive!!! And especially with COVID-19 it is unreasonable to have such a substantial cushion. I am submitting this as a WRITTEN REQUEST because of the COVID-19 quarantine, I do not have  access to a fax machine to submit my request. 

Also, note that I am a NY homeowner and I will submit a complaint regarding Rushmore Loan Services regarding your servicing practices. Once my loan was transferred from XXXX XXXX to Rushmore Loan Management Services I have been inconvenienced regarding payment options ( i.e., biweekly automatic payments to align with my bi-weekly payroll ) as, well as this excessive increase. I am also going to file this complaint with Governor XXXX XXXX, Attorney General XXXX XXXX, the Consumer Finance Protection Bureau and the NYS Department of Financial Services. Please  note that I would like my payment adjusted as of XX/XX/2020 to reflect the actual increase of my property taxes ( i.e., {$120.00} ). 

Please respond at your earliest convenience. 

cc : Consumer Finance Protection Bureau New York State Department of Financial Services Honorable Governor XXXX XXXX Honorable New York State Attorney General XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MO
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 


XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$3300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a creditor saying they have a civil judgment on me and it was settled already. It 's also not my my credit report. I 'm in the middle of purchasing a home and it popped up after my report says it was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: Diversified Consultants, 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:
Diversified Consultants is reporting collections to my XXXX union credit report from XXXX XXXX ; Acct # XXXX, date XX/XX/2016. Cable services were transferred to a different residential address but with the same cable provider. All outstanding charges were paid to XXXX, prior transfer of services or re connection. Per a XXXX representative, this old account isnt in collections ; nor was authorized to be sent to a collection agency. Ive sent multiple requests to have this false information validated and deleted from my credit report. Diversified has  maliciously ignored my request. The next option is consulting legal action with my attorney, of this false information being report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
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: Was not notified of investigation status or results

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2019-07-14
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:
The 3 Credit Reporting agencies, especially TransUnion, are not properly investigating and removing disputed items from consumer 's credit reports. 

Consumer 's feel that the entire Credit Reporting industry is one big scam and it exists to serve Banks, Lenders and the 1 % only. There are so many corrupt practices in this industry to skew things in the Lender 's favor. There is no other system which the Consumer has less rights - where is the CFPB?

We would like the CFPB to start investigating and holding accountable the entire Credit Reporting system - we'd like the CFPB to start shutting down this system in favor of one that serves the consumers, not solely the Banks/Lenders/1 %.

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 2020-06-26
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about XX/XX/2020, Banco Popular de Puerto Rico ( Popular , XXXX ) through its small business specialist, XXXX XXXX XXXX, forced me to close my business checking account -- I did so under duress. 

Mr. XXXX XXXX accused me of check kiting, which was not true. When I attempted to inform him of the banking error caused by COVID-19, which caused a mobile deposit reversal, XXXX threatened to keep the account restricted indefinitely unless I closed the business checking account same day. He knew that I recently received a PPP loan deposit and that I needed the funds to cover payroll. 

I did not know what to do and felt the banker coerced me to close the account. If I didn't then I would not have gotten my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I paid off the loan on my XXXX XXXX XXXX ( XXXX XXXX ). I have called Kia Finance Customer Service repeatedly asking them to release the lien so that I can sell the vehicle. For 2 months I have been told that all they can do is email the title department. I have asked to speak with the title department directly and was told that they don't speak with customers. I was told that the lien would be released on XX/XX/XXXX. As of today, the lien is still there. I can not get a title. I can not sell the car. They acknowledge that the loan is paid in full - yet there is no one who can get them to release the lien or send the title. It has been 2 months since the car was paid 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 2019-07-14
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:
This is my third request that maybe use as proof in a court of law, for you to remove inaccurate information in my report due to identity theft. You have stated that the public records belong to me but you have as a third party reporting agencies you have to have physical evidence in order to list this account in my credit, I'm a litigious consumer an I intent to enforce my right My information had been breach in recent and pass data breaches, accounts, inquiries, public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A, state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.

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 2022-08-08
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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act sec 604 as well as a violation of my rights to privacy. Please contact the listed inquiries and investigate such occurrence or remove immediately for non-compliance. Under the laws of the FCRA, the Credit Bureaus are required by the FCRA to follow up with the creditor.The following inquiries were not authorized for any permissible business purpose : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXXXX/XX/XXXX 5. XXXX XX/XX/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 2018-10-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Hello, On XX/XX/2018, I requested verification ( the original instrument of indebtedness in it's original form ) for the following student loans from XXXX Credit Bureau : 1 ) Account # : XXXX 2 ) Account # : XXXX 3 ) Account # : XXXX 4 ) Account # : XXXX 5 ) Account # : XXXX 6 )  Account # : XXXX XXXX received my letter certified mail on XX/XX/2018. They replied on XX/XX/2018 with a letter describing their dispute process. I have attached the letter for you to review. Also they replied in comments : " By XX/XX/XXXX, this account is scheduled to go positive status. This item was updated from the processing of your dispute in XX/XX/XXXX. '' XXXX, XXXX, and XXXX has failed to comply with SECTION 609 of the Fair Credit Reporting Act which requires the credit bureau to send me a copy of the Original Wet-Inked Contract that I signed and not send me copies of copies of third party fraudulent and inaccurate documents or contracts. According to the Fair Credit Reporting Act, the credit bureau is required to verify through physical verification of the original signed certified consumer contract with my Wet-Inked Signature on it for any or all accounts they request to be posted and or reported on my credit report. Copies of copies are not Validation and are not considered proof for these accounts on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-14
Company: Navient Solutions, LLC.
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: Reporting company used your report improperly

Complaint:
Navient was reporting a 90 late payment on two accounts in XX/XX/2014. I disputed the accounts in accordance with FCRA. Instead of correcting the errors, Navient removed 7 accounts from my credit reports that were in good standing causing my scores to plunge. 

The 90 late payments were in XX/XX/2014 and they were eventually brought current. As such, they should have been removed according to Section 623 ( a ) ( 2 ).

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. Navient communication regarding retroactive forbearances states If the forbearance was applied retroactively to cover a period of delinquency, any information previously reported to each nationwide consumer reporting agency will remain. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: WA
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:
I've always used XXXX XXXX, but decided to try all 3 credit bureaus for more accurate information. I tried creating accounts, but the authentication didn't always work because the information is wrong. There's accounts, personal info, creditors, inquiries, etc that are incorrect. I need help filling a dispute and fixing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: Nelnet, Inc.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/2020, I requested copies of the promissory notes for my loans serviced by Firstmark Services. I received a message dated XX/XX/2020, that I can expect to receive the copies via email within the next 30 days. I had not received them within that time frame. I then followed up by phone with Firstmark on XX/XX/2020. The request was apparently resubmitted. I still have not received these documents to understand the terms of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove the extended fraud alert or any fraud alerts as I did not request anything like this on my report. I just needed stuff removed due to stuff in the past but all is well now. Please remove 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 non-monetary relief
Consumer complaint received 2021-02-12
Company: EQUIFAX, INC.
State: MI
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:
I received a letter reflecting my deletion of a bankruptcy. After repeated attempts to contact XXXX  and Equifax, with no response. I have attached the letter reflecting the change, which is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: EQUIFAX, 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:
SENT OVER THE AFFIDAVIT AND EQUIFAX IS PUTTING THE CREDITORS UNDER ANOTHER NAME FCRA VIOLATION WITHOUT NOTIFYING ME WITHIN THE 10 DAYS GRACE PERIOD

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This Account was opened on XX/XX/XXXX - credit report shows XX/XX/XXXX. This account was closed on XX/XX/XXXX by Dept Of Education ... because these loans are from XXXX XXXX. Which was sued by the Dept of Ed. Also I selected the XXXX campus because the XXXX, pa location that I attended at XXXX XXXX XXXX. XXXX, PA. XXXX is not listedon the drop down list. XXXX is in violation for continually to report a closed account. Maybe they were not informed by the Dept Of education. Credit Reporting Agencies are in violation for reporting a closed account as 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