BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2021 i spoke to a Lowes credit office employee name miss XXXX told her i didn't apply for a Lowes credit card i came to the store with a friend XXXX XXXX and the sales person asked for a reference and i gave her my personal information she told me the sales person have me down as an authorized user of this card o told her i didn't request that she that i will be removed and ask to inform the credit she said she will and i have lost 11pts on my credit as a result i have no Lowes credit card

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 2018-09-06
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was pulling into a for variance after hurricane Irma I was  told at the end it can be put back to the end of my Mortgage. Now they want me to do a loan modification I am not working I am a single parent I was diagnosed with XXXX XXXX very aggressive Im trying to get XXXX .. my Loan its being served by Seterus . My lender its 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 2020-06-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -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 2019-08-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Awhile back I got a letter from select portfolio service. I looked at the payoff and was told I would have to come up with XXXX for the principal to pay off house. This didn't make any sense since I borrowed XXXX in XX/XX/XXXX and kept the payments up until XX/XX/XXXX. So I asked for a loan modification with XXXX XXXX XXXX. In XX/XX/XXXX I was given a loan modification. Then my loan servicer was dropped and I had a new servicer select portfolio select. They kept jerking me around for months and like 50 letters from SPS until I got them to take care of this and let me make a payment. So I started my payments and got print out of my loan balances. That letter stated I could pay the loan off with XXXX. So I called and said my payoff with XXXX was XXXX. So why do I owe more after 13 years of payments. They can't explain why I owe so much. I realize my year of missed payments was put on the end of the loan .I had planned on refinancing and getting rid of this SPS servicer. I can never get a straight answer or the same answer and after I call I get a letter explaining they are there for me. I had one time I called and was told not to look at the principal amount because it was wrong and needed figured out. If it wasn't for my wife and kids I would just walk away. Who says mortgage holders want the money and not the house. I feel they want the house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Absolute Resolutions Corp.
State: VA
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/XXXX of XXXX  I checked my credit report and found an collection account that I didn't recognize. Knowing this entry had to be a mistake I sent a debt validation letter to Absolute Resolutions that same day. 

On XX/XX/XXXX of XXXX  I received a response from the company saying that an investigation was going to be done into the matter and in the meantime the account would be deleted from the credit reporting bureaus, that was never done. I never received any update or validation into this erroneous account. Instead, it remained on my credit reports and continued to lower my credit scores. 

On XX/XX/XXXX of XXXX  I sent a following up request into this matter directly to Absolute Resolutions. I let them know that it had been over 5 month since my initial request for validation and advised them that they had violated my consumer rights by having the account removed from my credit reports and by not validating the debt while continuing to report it. 

I advised them that their silence was obviously and admission of silence and I was under the impression that the debt should have been removed because they failed their legal duty to answer my claims. They in response they sent me a letter stating that my request for validation was frivolous and irrelevant even though they never followed up their legal end of the deal. 

I am requesting for this account to be removed from all 3 of my credit profiles immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My wife made a deposit to my bank account in Puerto Rico from our joint XXXX account from XXXX. in the amount of {$700.00} on XX/XX/2016. That check was cleared and paid for by XXXX. I have the cancelled check and statement reflecting this. Yet, the bank in Puerto Rico claims the funds were not released from XXXX and they froze the deposit amount of {$700.00} from the acct. At this point we are out of {$700.00}. My wife filed a complaint through CFPB case # XXXX-XXXX first against XXXX. XXXX proved this check was paid so that case was closed. However, athough we have repeatedly shown all evidence to Banco Popular, they have denied receiving these funds and never credited my account with the {$700.00} I am attaching copy of bank statement reflected payment of check from XXXX and copy of paid check received by Banco Popular.

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 2020-08-20
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent in a dispute regarding my XXXX XXXX XXXX XXXX report to experian a total of 3 times in the last 90 days. Each month I send a letter ( Certified / signature required ) requesting them to correct wrong information and verify / update with correct information. Each month they send me a response that doesnt match my request in the letter provided. XXXX XXXX has confirmed to me that my account is not late and should be reported as never late. They have confirmed this several times. Experian refuses to report accurate information. Today I contacted Experian by phone and they were very rude to me. The agent XXXX was rude and very short. She explains that they do no verify that information is correct. Nor do they read my letters and complete the investigation as requested. She confirmed that the dispute department simply relies on what their computer systems tell them. These errors on my report are hurting my credit score. I believe experian profits on minimizing consumer scores for monetary gain from creditors that prey on challenges credit scores.

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 2017-11-03
Company: EQUIFAX, INC.
State: TN
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 have called equifax for a full two days. I promise on my life I have never received such horrible services. I ca n't even make this up and still in disbelief. On thurday XXXX. I called Equifax at XXXX to check on the status of a letter that was sent in to address unauthorized inquiries on my report. I have the Equifax Premier Plan which shows that I have multiple unauthorized inquiries on my credit report. When I go to the dispute link it does n't show the inquiries so I have called to address those concerns. While on the phone with a foreign rep and after explaining my life away about the issue he then transfers to me an agent then I have to reexplain myself to this foreign agent. Now this agent then go on to say they do n't see the inquiries and I explain to him that that is what my issues is. Its not showing on Equifax end but its showing on my end under my report with Equifax premier plan credit report. He then transfer me and from that point I 'm transferred a total of 6 times to other reps who stating I need to speak with another department. I was then hung up on after the 6 person whom I was transferred t. Before speaking to a U.S rep Im transferred to another rep who forgot to put me on a hold and you can hear him laughing and joking to a coworker and upon realizing it they place me on hold then hang up on me. This is after I have been on the phone being transferred for almost 2 hours. I had to call back and immediately asked could I be transferred to a U.S representative. Explained to the woman what have happened to me for the 2hours and she finally see what I was speaking of in regards to me having multiple credit profiles. Even she said she still had to transfer me to another department. I am close to tears because I 've never experience so much unprofessionalism in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
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: Account information incorrect

Complaint:
Despite the multiple previous written requests in Equifax Credit Bureau, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These are the items that need to update or remove from my report immediately. 
XXXX XXXX Opened Date XX/XX/XXXX {$0.00} DEPT OFED/XXXX  Opened Date XX/XX/XXXX {$86000.00} XXXX XXXX XXXX , XXXX . Opened Date XX/XX/XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account BENEFICIAL BENEFICIA-XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that BENEFICIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
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: Old information reappears or never goes away

Complaint:
I just paid off a XXXX XXXX  XXXX card that was charged off and instead of them showing that account paid, they created a new account on my credit report with a new account number. It should have never created another account which hurt my credit score. Instead, it should have just settled out my collection and showed it up as paid. They also still left a {$900.00} balance on the trade line, when it should be {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account XXXX/XXXX is been on my credit report since XX/XX/2010 almost 8 years and is affecting my credit score. Please remove this old account from my credit 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 2018-09-07
Company: First Technology Federal Credit Union
State: OR
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX, I purchase two ( XXXX each ) round trip tickets to XXXX XXXX for XX/XX/XXXX vacation. A week later I noticed for transaction taken out of my credit card account. I contacted the airlines right away and they stated that only purchase two round trip tickets and referred me to check with my financial institution. 

I contacted First Tech Federal Credit union since the credit card I used was from this institution. I explained that I was over charged {$420.00} four times when it should only be two charges. I was asked to do file a dispute of the charges which I did. On XX/XX/XXXX I received a confirmation of my dispute # XXXX. On XX/XX/XXXX my account was credited the over charges {$420.00} x 2 while they continue to investigate mean while they asked for documentation which I provided the flight numbers and airline information that I had purchased. I also called the airlines to confirmed once again that they did not have me in two different flights. The airline confirmed that my name only appeared for the only flight. 

I received from notification from First Tech on XX/XX/XXXX that their investigation is concluded and they would be withdrawing the money that was refunded to me on XXXX. 

I am asking for a full reviewed of the ethics of this financial institution whom I have been a member of for over 20 years. During the time I have been a member I had their credit card and never had this type of situation. One of the reasons I used this particular credit card was because I trusted the bank and knew that my purchases are ensured and would not have a problem. 

I appreciate the oversight to this charges. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-08
Company: WELLS FARGO & COMPANY
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/XXXX, a student loan for my daughter for which I was a co-signer was on the verge of going into default. This situation was because my daughter was a single parent, under-employed, and underpaid, and receiving no child support. Add this to the fact that our family was affected by the XX/XX/XXXX financial crisis during which time we lost our family home to foreclosure and defacto bankruptcy, we desperately tried to reason with Wells Fargo ( as we did with other creditors ) to offer what we could pay as good faith gestures. They would not accept anything less than what they wanted. During this time, I was primarily responsible for my daughter and granddaughter financially since my daughter 's income was insufficient. This meant that each month, apart from what little bit my daughter could afford, what was deposited in my Wells Fargo bank account was just enough to pay the rent, pay the bills, and put food on the table. During that month, Wells Fargo proceeded to garnish my wages directly out of my accounts without getting a judgment against me and without informing me or considering the consequences for my family since I was the head of household for a family that included a then XXXX-year-old. I called, and after an hour crying and begging on the phone, I was able to get someone to give me some of the money back, but they kept the rest as payment on a student loan. From there, they demanded that I come up with a plan to pay them because if I didn't, they said that the would continue garnishments. As a result, I had to get rid of all of the possessions from my home that I had lost so that I could find a way to pay them {$200.00} a month. Since then, they've made a note on my credit report saying that an arrangement was made, when in truth, it was not an agreement but a garnishment with no opportunity to explain the situation before a judge. To add insult to injury, after paying them {$200.00} a month since XX/XX/XXXX without any payments ever being late, they've refused to remove the derogatory marks from both my credit report and my daughter 's.

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 2020-06-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In XX/XX/2020, I opened a Priority checking account number XXXX. The promotion was to keep the account open for 60 days with XXXX minimum and I will get {$700.00} bonus on XX/XX/2020. On XX/XX/2020, my account number was compromised, so I had Citi to replace my old account number with a new one XXXX. They then canceled the {$700.00} bonus saying my old checking account had been closed!?! 

Because there was no more incentives to keep the savings, I had them close the savings account number XXXX. I left {$25.00} in there to prevent any kind of overdraft. The next day, Citi charged me {$25.00} in bank fees ( even though when I opened the account I was told there was no fee ). Then they charged me {$38.00} in overdraft because I was short XXXX. This is ILLEGAL. 

Please assist.

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 monetary relief
Consumer complaint received 2020-06-30
Company: Experian Information Solutions 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my 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 2018-11-06
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account was reported to XXXX XXXXPayPal and collection agency by the name of XXXX XXXX XXXX XXXX that said account was a result of identity theft. FTC ID theft affidavit # XXXX and XXXX, FL. police report # XXXX by officer XXXX, Badge # XXXX. XXXX XXXX XXXX says that this account is valid because they attached a copy of the credit card statement to their collection notice stating that such attachment establishes it's validity. A copy of a credit card statement proves that the account is not Fraud as I have reported? This collection company violates the Fair Debt collection act on a continuing basis and I have filed a complaint with the Attorney Generals office. Furthermore, I was notified by XXXX  that I was a victim of the XXXX breach. I have had over 32 fraudulent accounts removed from my credit reports that were not mine and some even had the same name but the last four digits of the social security number did not match. Moreover, I have contacted XXXX XXXX and they have in fact verified that the name on the account matches my name but the last 4 digits of the social security number do not match. It is clear this account belongs to another person with the same name.

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