BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-06
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around XX/XX/XXXXXXXX Synchrony Amazon Credit Card debt collection on a $ XXXX {$7.00} purchase was sent to my home. My mother would throw them out until I noticed my credit score drastically decreasing. Upon realizing I had an outstanding balance on the Synchrony Amazon Credit Card ( XX/XX/XXXX ) I paid off the balance which had gone up to $ XXXX {$20.00}. The impact this card had on my credit score was drastic.

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 2019-03-10
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: Account status incorrect

Complaint:
In XXXX of 2018, the account in dispute is inaccurately showing there is a late payment when this account is in perfect payment history. I have tried to request assistance from said company and they have referred me to each credit bureau who has failed to correct this inaccurate information that is on this account. I am now requesting the help of the Consumer Financial Protection Bureau to hopefully get this corrected and expedited on my credit reports. I appreciate any assistance in advance and thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Recently I disputed an fraudulent inquiry on my report. They lady who disputed it was very rude and didn't listen she also disputed one of my credit lines that was purchased by me. I contacted the creditor and they told me that the same person who disputed it would have to be the one to undue it! I have paid for this credit line and did not tell them to remove the credit line off my report. If they will not remove the credit line dispute I will be forced to take legal action.

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 2023-04-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert a few days ago that stated a collection account was added to my Equifax report. I am a living human. I have rights under 15 USC 1681 Equifax, is govern by 15 USC 1681. And they have violated my rights numerous of times. I never opened this account with XXXX XXXX XXXX, XXXX, account number XXXX, once again I never opened this account, nor have I signed any contract, nor documents to run my credit let alone open this account. I haven't done any business with XXXX XXXX either. I never signed any type of documents giving my consent to run my credit or open up an account. In Accordance with Fair Credit Act these companies has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. This company XXXX XXXX XXXX is not listed to do business in Georgia, they have no filings with the Georgia Secretary of State. I could not locate a company for them other than Texas. That alone is illegal for them to be trying to report data and collect data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX, XXXX, OR EQUIFAX is apparently reporting a fraud alert, security freeze or another form of " block '' on my credit file. This is causing me substantial problems in obtaining credit therefore please remove from my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2023-04-09
Company: EQUIFAX, INC.
State: NY
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:
I called the department to verify the inaccuracies, and they sent me a letter saying it is accurate. When I did a thorough research myself, I found improper inaccuracies on the credit report even after they said they did a thorough research. 

Account Name : XXXX Account # : XXXX In accordance with the fair credit act XXXX  account # XXXX, has validated my right. 
15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Rozlin Financial Group, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Someone use my identification to open up an account with rozlinfingrp for {$1300.00} on XX/XX/2022 I did not do this

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 2019-10-31
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:
On XX/XX/2019 I check my credit report and notice someone had stolen my Identity and open credit card accounts and cars in my name. I filed a police report and a FTC report. I am just would like to get my name back and have the credit reporting companies to please delete the items form my credit report. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: PlusFour, Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I don't know anything about this debt, I've never heard of the original creditor PLUSFOUR INC I've tried to dispute the item on my credit report and I haven't heard anything back from PLUSFOUR INC nor 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 2020-07-11
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

5. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-10-07
Company: Comerica
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XXXX XXXXXXXX XXXX XXXX charges were made to my account with US Direct Bank which I use to get social security payments. The amount was approximately {$530.00} as discovered by a customer service agent and myself. Also, XX/XX/2022, my card was used fraudently, again which was over {$1200.00}. I contacted customer service again, after being on hold for over an hour. The customer service agent gave me a list of charges and the dates. I was asked to submit a letter to US Direct Bank Fraud Dept. by XX/XX/2022 which I did, by fax to the number provided by the customer service agent. The letter included the dates given for the fraudulent charges and the amounts. I was given a case number. I contacted US Direct Bank the same day as I faxed the information to make sure the documents were received and they were. I was told by the customer service agent the process could take between 30-90 days for the investigation to be completed and I would be contacted by US Direct Bank by phone or mail. 
To this date I have not received either! Fast forward to XX/XX/2022, I was to receive my regular social security deposit. It was deposited and taken out which left me a negative {$450.00}!! I do not know what is going on. I've attempted to contact US Direct Bank again and no call rolls to a busy signal and hangs up!!!! I've been trying to call them since XX/XX/2022 and the hold times are ridicilous!! I finally got through on XX/XX/2022 and was hung up on by an agent. I am seeking the return of my money from XXXX, XXXX and XXXX. This has caused a lot of un-needed stress because US Direct Bank does not uphold their agreement. I've contacted social security agency and no one can do anything because US Direct Bank is a third party agency. I filed a complaint with the XXXX XXXX XXXX  XX/XX/2022 and discovered a list of over 100 complaints by others using this company. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: CITIBANK, N.A.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Hello, This was be the second complaint I have regarding Citibank. 
First, I am in the process of purchasing a new home and getting a loan with a different lender and we are forced to get a high cost mortgage due to the fact that Citi could not provide a VOM showing 30, 60 or 90 days past dues. A lender we were trying to go through did a phone verification and the agent stated the account was 60 days past and it was not. I even called back a couple days later and was told that it was not 60 days past due at that time by a different agent. 
Now we are trying to get a payoff quote and they are making us wait 7-10 business days purely on the fact that our account is in the " bankruptcy dept ''. Our bankruptcy was nearly 10 years ago and we are being put off because of this. I even spoke to a supervisor who stated that if it were not in this department, we 'd have this information in 4 hours!!! This is unfair!! We need his information for our new lender to see a Closing Disclosure with our proceeds after sale. Our closing is to take place in 3 weeks. Our title company requested a payoff 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 2018-01-28
Company: EQUIFAX, INC.
State: NJ
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 did not Authorize XXXX to give Inquiries on the following dates XX/XX/XXXX  and XX/XX/XXXX. These Inquiries are fraud I did not authorize them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: SUNTRUST BANKS, INC.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a mortgage with Suntrust Mortgage that was sold to a garbage company called XXXX.We are not late on any payments. We had 1.5 years left to pay on it. 1.5 not 15 but 1.5. Now we know that we are going to have a nightmare on our hands because  something is terrible wrong with XXXX. 

How can we fight this? How can Suntrust do this to us? I told Suntrust that the best thing I can do is go to the local news channels and alert other people that this is what Suntrust is doing. I really dont believe it is real, and I have been hacked.

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 2019-01-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My XXXX XXXX XXXX was stolen in XXXX and XXXX of 2018 and XXXX has refused to pay off the loan even though the vehicle was missing for more than 6 weeks. I have fought tooth and nail to get XXXX to payoff or partially payoff the outstanding loan amount but i receive no response and in need of Federal Help of some sort. 

XXXX NEEDS TO PAY OFF THIS LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment is XXXX per month. I paid XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. I paid my mortgage payment in full and on time. I often receive my statement and the funds I pay are not applied to my mortgage. Chase says they hold the funds in until the payment is received in full for the month. How is it legal for them to accept my money and not apply it to my mortgage ( saving me money in the long term ) when they receive it? This is an abusive and deceitful practice and consumers should be protected from this practice. It allows the mortgage company to steal from the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX This account is reporting inaccurately and incomplete. I have requested documentation from this Financial Institution and have not received a response or the information I requested. It has been pass 30 days. Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX I have been disputing this account and no proper investigation has taken place and this is a violation to my consumer law rights and my mode of living. This account needs to be deleted from all 3 consumer reporting agencies immediately. 

Certified Mail Receipt : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
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: Information belongs to someone else

Complaint:
I want to report fraud by XXXX, EQUIFAX, XXXX. I'm tired of being violated by these consumer reporting agencies. I'm protected by consumer laws. I see things on my consumer report that shouldn't be displayed because I never gave them consent to show my private information. I am the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, I moved out of the apartments XXXX XXXX. Prior to moving my roommate and I signed documents to end the lease in 30 days. Which would have been to move out XX/XX/2022. On XX/XX/2022, I received a dept collection letter in the mail saying I owed {$3400.00}. I then called XXXX XXXX but they never gave me an answer. I ended the lease and I still dont know why I was charged rent for three month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been the victim of identity theft and somehow someone has got a vehicle in my name. The account is : 1. XXXX XXXX # XXXX I first notices it few months ago that I had a vehicle and a recent 30 day late payment. 

This account was not opened by me and I have included my ftc id theft 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 2023-04-18
Company: EQUIFAX, INC.
State: VA
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX IS FALSELY REORTING 2 ACCOUNTS AS INCLUDED IN BANRUPTCY, WHERE IN FACT WAS REMOVED FROM DEBTORS LISTS ( CREDITORS FINAL NOTICE TO CREDITORS, BK CASE 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