BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2020 I went into a Lowe 's Store # XXXX and asked to open a revolving credit card account as advertised, we were put into a card used for contractors without our permission. Bait and Switch is the term I have heard used. Nothing was provided to us after account opening and after four months and a dozen requests still have not received a statement or anything explaining the terms. The store and manager have let me down. 
I have not heard anything for the past month after numerous attempts and overnight letters. As far as I understand Credit reporting, what Lowes did was illegal in my opinion. 
Thank you 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 2020-02-19
Company: EQUIFAX, INC.
State: MA
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 been given a forgiveness for loans due to lifetime disability. All documents submitted, some credit company reflects close but showing 120 days late delinquent, all three credit companies don't match. Filed disputes directly each reported agency and with us treasury. This is 2nd time in 6 years they suddenly reappear on my reportXX/XX/XXXX they all posted again I dropped 60 points one night. Now they are one by one fixing them as not due but not removing derogatory late payment remarks. Also loans were taken out under previous name XXXX XXXX XXXX. Legal name as of XX/XX/2018 is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Southwest Credit Systems, L.P.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Never received any communication from debt collector. I submitted a debt validation letter and the collections agency did not respond within 30 days and thus created a violation of the FCRA and FDCPA. This collection needs to be removed from my report as this IS NOT MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Experian Information Solutions Inc.
State: CO
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 ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.

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 2018-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The credit company XXXX XXXX requested a copy of my credit report without my permission. The request was made XX/XX/18 without first contacting me and requesting my authorization.

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 2020-05-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXXXXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: General Motors Financial Company, Inc.
State: TX
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 shocked when I reviewed my credit report and found late payment on the company below : GM FINANCIAL XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Santander Consumer USA Holdings Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I had got a car loan with a company called Santander USA. I had asked for advancement on my loan because i had to relocate to an apartment they gave me a month then the company said i would have to pay in 30 days. So i did that then. They turn around and tryed to charge me interest. Then i made double payments in the same month and none went to the pricipal. Then they told me i owed them XXXX dollars off of one payment of additaional intrest then they caimed to the intrest.. I called to work things out they told me they were going to repo your truck then they said your 2 months behind then i asked why hasnt anything been appiled to the pricaiopal payment. there answer was you owe XXXX  dollars. 

Im sending in regrads please help. that this is clearly predatory leading.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NY
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:
Equifax is reporting late payment experiences furnished to my consumer report. These experiences must be removed. ( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-12
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern I am disputing charges from XXXX XXXX totaling {$210.00}. 

TV services were installed and then cancelled within 24 hours due to XXXX XXXX in ability to provide the internet services initially agreed upon in my TV and internet bundle. 

Under Florida law I am entitled to cancel any contract within 3 days of signing. I did so within hours of the tv service being installed. Therefore invalidating the contract as well as the fact XXXX XXXX was unable to provide what they had agreed to. 

If you would like to pursue this issue further I request the following proof of debt 1. Contract 2. Proof of installation of TV 3. Proof of installation of internet * ( this doesnt exist ) 4. Recording of my call to XXXX XXXX   on the day of installation between XXXX and XXXX XXXX EST 5. Recording of second call to XXXX XXXX after the one and only bill I received from them. ( the representative stated that I owed nothing and the account would be XXXX out ) Credence RM refused to provide documentation and states only that it is valid. 

XXXX XXXX doesnt have any record of my account. They seem to have zeroed it out as initially stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: PNC Bank N.A.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I would like to open an account with XXXX  investing and I can not because PNC will not allow me to do so. PNC has no right to control how I spend my money and I feel they are restricting me from investing in my future with an account with XXXX. XXXX is an inexpensive way for me to save up money for the future. I would appreciate it if PNC would allow me to link up my account to XXXX   and start investing for my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on the sale of my home on XX/XX/XXXX. I have not received my funds from the sale because XXXX XXXX XXXX is refusing to release the Lien and Title until XX/XX/XXXX. I spoke with XXXX XXXX  on XX/XX/XXXX and was told that they had received the payoff check on same date. As per conversation with them on XX/XX/XXXX and XX/XX/XXXX. The Realtor has her commission. The purchaser has her house. 21st Mortgage Corp has the entire payoff for the house. And I have no home, no money and am on the verge of being homeless effective XX/XX/XXXX. There appears to be something very wrong with this picture. I NEED HELP NOW before I resort to having to live on the street. I am being placed in this situation because 21st Mortgage Corp is holding the Title and Lien for my home hostage until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: Salmon Law Firm PLLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX with Salmon Law Firm PLLC, on XX/XX/2018 filed a motion to place a lien on my property. 

XXXX XXXX XXXX does not have a judgement against me and has been notified in writing and by phone to cease and desist all collections activities as he has no judgement against me and is threatening to take my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have contacted the credit bureaus on several occasions asking them to delete inquiries that where not authorized by me and they have failed at investigating this issue properly. Over the last nine months I have been writing XXXX  and Transunion credit bureaus about inquiries on my reports that was not authorized by me and all they send back is a letter saying the inquiries are factual records that I made,

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 2017-12-14
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to contact Citibank using their online email in my account, but I can not send a new message TO Citibank from my account. I do NOT want to use Citibank chat. Why was my online email disabled AND why was I NOT notified in advance???

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 2020-05-28
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am XXXX years old and struggling to make payments. I've been paying on this loan for a nymber of years ( over $ 300/mo ) and despite all efforts can't seem to get relief. Despite all my payments, the loan amount has only decreased about {$600.00} in the last 8 or 9 years. I've tried to get into my account to get more specific information but with all the changes they've made I can't even seem to be able to log into my account now. I've spoken to them in the recent past and was not able to get any satisfaction. Please help me by letting me know what I should do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: First Advantage LNS Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and notice accounts that not mines. i been a victim of identity fraud in the past. I provided 2 copies of my ID to prove my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I use XXXX XXXX XXXX and have a PNC credit card account. My credit card was compromised and I received a new card. When I went to update the card on XXXX  website XXXX  received a message that PNC will not allow them to link.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 at XXXX XXXX  I made a {$2000.00} deposit ( XXXX {$100.00} bills ) at a Chase bank ATM located at XXXX XXXX XXXX, XXXX XXXX, GA. I received a printed receipt with the message " To be sure your deposit went through, please call us at XXXX, '' that also listed sequence # XXXX, XXXX   # XXXX, and Term ID XXXX. 

Immediately, a bank employee helped me to call the number from one of the branch phones and I submitted a claim to receive credit for the missing {$2000.00} deposit. I received confirmation the investigation was opened. 

On XX/XX/XXXX, a letter was issued to me from Chase ( Claim Number : XXXX ) claiming that no deposit was made. This is demonstrably false, and a review of the camera footage at the branch and ATM ( inside of the branch ) in question would prove that. I also have my receipt indicating that there was a problem with my deposit. 

I am attempting to do everything possible to recover these funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-29
Company: Exeter Finance Corp.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Based on fair credit reporting act 609, I am requesting XXXX to provide original signed documents to validate my Exeter finance account which is fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: MidAmerica Mortgage Inc
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is through MidAmerica, but serviced by XXXX. Recently, they sent us a letter stating that they were increasing our escrow portion of the monthly payment by over {$150.00}!! This happened because our property taxes increased and there was a shortage upon paying the property tax of {$390.00}. Upon my learning of this shortage, I immediately paid XXXX the {$390.00}, the same day that I received their letter. I have been trying to call them t discuss this issue. The amount the property tax increased comes to no more than an additional {$35.00} per month, so why are they asking for {$150.00} more per month. When I call XXXX they say to email them. Which I did. I requested that we close the escrow account so I can pay property tax and insurance myself. They sent a letter stating that they could not close the escrow account because our loan to value was more than 80 %. They were basing that off of the purchase price of the home! Our current loan amount is {$290000.00} and our home is worth at least {$560000.00}. Ive tried calling several times, only to be on hold for anywhere from 30 to 120 minutes, with no one ever answering. 
I simply can not afford to pay an additional {$150.00} per month and need to speak to a live person about it. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: AZ
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:
The inquiries and information in my report were inaccurate. By submitting letters to all three credit bureaus, I requested that they investigate and analyze my files. The fact that this material are still being circulated has an impact on my credit. As a result, the credit agency had nothing to do to remove the inaccurate information and inquiries stated below. 
CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2018-04-25
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Castle credit Repeatedly called nonstop almost every hour of the day. Saying theyre lawyers or police or theyre the court going to sew me or Im under investigation and thwyre going to report me if I dont answer. Theyve also called family members saying the same things and my job. Theyre very vulgar and rude wouldnt say who they were at first. Just that they wanted money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent several requests to validate this account with no response. This is not my account /debt. This is a hippa violation with no legal contract in place. Please remove from my credit report. Disputes has also be submitted. I'm prepared for further action this continues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have 2 problems with my Wells Fargo Mortgage. 

1. I had a bankruptcy around XXXX. In the bankruptcy, the home mortgage was reaffirmed. There has NEVER been a missed payment, yet WF still treats it as in bankruptcy, now 20 years later and will NOT take it out of that status. I have called multiple times and they will not fix. I don't know what to do. I would like my mortgage reported as paid on my credit report and the bankruptcy status removed. 

2. My mortgage is variable rate and is due to be reassessed in XXXX or XXXX. I made my last payment for XX/XX/XXXX on XX/XX/XXXX. Now the bank will NOT let me make anymore payments. This means I can not pay ahead, I can not make ANY additional principal payments, and they get to continue to charge interest. I have emailed and called the bank and no one seems to be able to resolve this. I started attempting to make additional mortgage payments on XX/XX/XXXX and they still will not allow.

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 2017-09-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
We were billed {$25.00} because TD Bank stated our checking account balance fell below the required $ 2.5k minimum. When we opened the account, we were advised that it was the balance of all of our accounts, not just checking which is why we agreed to that account type. There are other options we would have chosen had they made that clear. In fact we were steered away from their relationship checking because it had a higher combined minimum balance even though the total of all of our accounts exceeded the minimum. If the terms of my account have changed since we opened a several months ago, I do n't recall notification of it.

Company response to consumer: Closed with monetary relief