BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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 2016-12-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had an account go to collections fall of XX/XX/XXXX. I made arrangements w/ the collection company and paid the account in full. XXXX XXXX the collection company reported to the credit bureaus that the account was paid and it was removed from my credit reports. Now, the account has re-appeared on my credit reports showing the account in collections. I do not have any accounts in collections even though my reports show that I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Completed a loan modification with XXXX XXXX in XXXX. As part of the process XXXX started foreclosure proceedings, however completed loan modification instead. No fees for foreclosure were charged to me because XXXX chose to complete modification. In XXXX XXXX sold my loan to Seterus Inc. Seterus has been demanding that I pay a significant amount in fees and penalties. After multiple requests from me Seterus finally sent me a breakdown of these fees, showing that they are related to foreclosure procedures by XXXX. Since XXXX completed my loan modification, these fees can not be charged to me as XXXX did not charge me. 
Documents available on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Seterus, Inc.
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
XXXX was approved for a XXXX trial, with payments from XXXX. He completed the trial. I was told that documents were in process of being drawn up before I left for vacation in XXXX. Upon my return in early XXXX I contacted Seterus and was told the final modification documents were sent out to the borrower XXXX/XXXX/15. Borrower never received those documents. I then made a call to Seterus XXXX XXXX and was told the documents were going to be faxed to me since the mailed copy never got to the borrower. They told me it would take up to 48 hours. I made calls to them the XXXX, XXXX, XXXX and XXXX following up on the status of the faxed documents. Each time I was told they were escalating the request and to check my fax within 48 hours. On the XXXX they told me they would put a rush on the request. I called to follow up again today after not finding my fax and was told that the reason I have n't received he fax is because they have n't sent it due to a " litigation '' preventing them from sending the documents directly to me or the borrower. I was told it had to be delivered from their attorneys directly to the borrowers attorney, or directly to the borrower. After a whole month waiting to receive he documents via fax they tell me that!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/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 2016-10-30
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Applying for credit to buy a newer auto just this past Friday, the credit union rep on the other side of the desk told me everything was good except for a tax lien showing on my credit report. I immediately went to my county courthouse to investigate this item to find that this tax lien had been released and got XXXX copies of the XXXX pages before saying several thank yous. XXXX copy went back to my credit union rep and came home to scan the pages onto my computer to be attached to this dispute form.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: CAINE & WEINER COMPANY, INC.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they are claiming i received some items i never purchased and it got charged of and sent to them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian, XXXX, and XXXX credit bureaus shall, upon request, and subject to XXXX ( a ) ( XXXX ) [ XXXX ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX credit bureaus are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$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 2022-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
After recently reviewing my credit profile I was then brought to my attention that I had a very many of hard inquiries which prompted me to look over those inquiries to which I found XXXX ( XXXX ) if which I believe should not be there. The most recent is : XXXX ) XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX This particular card was offered me through a third party credit monitoring app of which it promises there would only be a 'soft pull ' and world not affect my credit. 

Also the following inquiries I have no knowledge of at all. 

XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( This particular account is even scheduled to be removed according to the Experian 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 non-monetary relief
Consumer complaint received 2016-11-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have tried to dispute this issue with the credit reporting company but they will not answer the phone when I call. I can not go to them directly because I live in XXXX TX and they are in XXXX XXXX, TX ( I 've never lived there ). This account/apartment is for my son who is attending college in XXXX, TX. I applied to be his guarantor but was denied. When he was asked to vacate, the complex listed this as an individual account on my credit report and not to the person who was/is responsible for the debt. I do not have a copy of the denial because it was never sent to me, I was just told I was denied over the phone with XXXX of the leasing agents

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
A credit card bill over XXXX years old. Charged off on my credit report. Still being harassed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Other

Complaint:
I 've contacted Synchrony and finally got a supervisor to investigate the charges on my account. Synchrony bank has made many incorrect charges in past by charging me 5 times for the same item as well as not putting items on promotion as agreed when purchased. Every time they call me they 're is never anyone at the other end when I answer. My credit is good except for synchrony/walmart. Even though I am trying to resolve it by paying it I can not get answers. Now its been reported to bureau.

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 2015-08-28
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card
Issue: Cash advance

Complaint:
Synchrony Bank acquired my BP account from XXXX. I had transferred a balance to XXXX on terms of 0 % interest. Each month since their acquisition, Synchrony has added completely fictitious " purchases '' and " cash advances '' in the account, on which they charge interest. It is a small amount -- {$1.00} this month, but it is clearly fraud. I have tried to get it straightened out. Sometimes they refund the interest charge and sometimes they do not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-23
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account with Belks issued by Synchrony Bank. My credit limit is {$300.00}. Account balance is currently {$310.00}. Paid past due amount @ {$11.00}. Received call from agent with XXXX requesting a payment @ {$150.00} which has build up to include interest & finance charges. Informed agent that I 'm on a fixed income, have fallen behind in payments. Slowly getting back on track. Informed could make payment @ {$50.00} on the XXXX of XXXX at which time would receive my monthly XXXX payment. Agent informed that making a {$50.00} payment would do nothing to help the account after my informing this amount is least I can afford to send. Requested to do not call again on my cell/home phones & disconnected conversation. Willing to establish payment plan, but want my payment to reflect as a payment made toward balance. Synchrony Bank has a very bad method of collection. I am working very hard to pay off all accounts associated with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-04
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fail to report the debt correctly to the credit bureau. They are reporting the item to all XXXX credit bureaus incorrectly and this is causing me to not obtain a mortgage. They reported to the credit agency 's on XXXX that it is an installment loan, another states that its closed, and the other open with the incorrect balance. The other issue is that I had autopayments setup with this company and they take the first payment then cancel the autopayment.

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 2017-03-08
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
My Jet Blue Visa credit card was sold to Master Card obviously without my consent. When my credit card account went to Mastercard, they charged me an annual fee. I did not agree to pay this fee nor did I sign an agreement with Mastercard agreeing to pay my annual fee. I 've asked them to shut down my account and waive the fee because I did not agree to the fee. I 've called and spoken to XXXX ( manager ) employee # XXXX and XXXX ( in a call center ) employee # 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 2022-10-26
Company: Experian Information Solutions Inc.
State: NJ
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:
Below is the investigation i send you last week... you send me a letter saying that you closed the account because you feel i did not place the complaint..yesss it is me... XXXX XXXX ... .how do you just assume that it is not me? re open the investigation on these 3 complaint id 's... 

XXXX XXXX XXXX i have attached 2 documents for proof on the below i was divorced from XXXX XXXX since XXXX of XXXX  and the judge as part of the divorce agreements ordered me to be removed from her student loan debt to XXXX XXXX XXXX account I contacted all 3 bureaus and send them the same copy of proof that i have attached here .... They've all send a letter back stating that the account will not not be removed..this is unlawful as this was ordered by a judge... .please help have the bureaus remove this account 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 2022-10-26
Company: EQUIFAX, INC.
State: NJ
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:
Below is the investigation i send you last week... you send me a letter saying that you closed the account because you feel i did not place the complaint..yesss it is me... XXXX XXXX ... .how do you just assume that it is not me? re open the investigation on these 3 complaint id 's... 

XXXX XXXX XXXX i have attached 2 documents for proof on the below i was divorced from XXXX XXXX since XXXX of XXXX  and the judge as part of the divorce agreements ordered me to be removed from her student loan debt to XXXX XXXX XXXX account I contacted all 3 bureaus and send them the same copy of proof that i have attached here .... They've all send a letter back stating that the account will not not be removed..this is unlawful as this was ordered by a judge... .please help have the bureaus remove this account from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I had a late charge in which I disputed with Barclays. I had made a call to not be late and provided my checking account number and was told by agent it went through. Later i find out it did not and i was charged fees for them in accurately entering my account info. 

My dispute was rejected and received a letter dated XXXX XXXX. I called to ask how if could escalate and ask for another review and Barclays agent refused to provide additional info. Hence, I cancelled the card. I still want to appeal but after XXXX conversation with XXXX refusing to provide info on an appeal process I am filling this complaint.

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 2022-10-02
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX has been trying to contact me repeatedly for debt either not owed due to fraud, threatening me about seizeing property I dont have. Recently last week I told them Im very sick and have had XXXX of XXXX XXXX on my XXXX and not working at the account for XXXX shouldnt be owed due to have XXXX  XXXX multiple times not working having to stop working my kids XXXX XXXX me constantly in and out the XXXX XXXX XXXX XXXX due to XXXX XXXX. I lost my home I lost everything in my home. They repeatedly call either from different number and demanding me to contact other numbers to make a payment of {$1800.00} that I dont have. All American lives were at risk and I was fighting for mine. Before I even knew I had XXXX  I had XXXX  and just thought I was sick. But my kids were bringing it home from school so thats why my Dr wrote a note to the school stating my kids needed to go on Virtual due to the XXXX XXXX  I had already with my XXXX XXXX. Please remove this debt and stop calling me.

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 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2015-04-03
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
My son 's name is similar to my name. He has very bad credit, including judgments against him. My credit was very good until his information started being reported on my credit report. We discovered this last year ( XXXX ) when my wife and I were building a new home. We contacted all XXXX credit bureaus asking them to delete my son 's information. For some reason, Equifax did not fix their errors. We have contacted Equifax by phone, by letter and by submitting a dispute via the internet. We have been trying to get our fixed rate loan since XXXX and are getting denied because of my son 's information on the Equifax report. They 're saying that rates are probably going up and we want to get locked in at the lower rates. It should not take XXXX more days to fix something that they were told about a year ago.

Company response to consumer: Closed with non-monetary relief