BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While checking my personal credit report, which I acquired from Equifax, I noticed XXXX inquiry made by your company on three consecutive days ( XX/XX/XXXX-XX/XX/2016 ). I do not recall applying for credit or employment with XXXX XXXX XXXX . 
I did not authorize anyone employed by overstock to make an inquiry and view my credit report. they have violated the Fair Credit Reporting Act Section 1681b ( c ). they are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. 
I requested that overstock either mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. they simply sent a response that this is correct. Again, it is not, and i have sent a certified letter that was signed for on XX/XX/2016. A company simply looking at a screen is not validation of the inquiry and especially not XXXX in3 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage company is Shellpoint. I went into the forbearance plan with the Covid In XX/XX/2020. Since XXXX Ive been trying to get out of the forbearance and resume my payments, they send me a partial claim paperwork to sign fo the total amount XXXX. Since XXXX Ive been trying to sign the paperwork but they keep refusing to letting me know where my partial claim funds are going to be applied to. The only thing they keep telling me, you I didnt pay it on the front and when I finish paying the house to sell it I would pay it in the back. That attitude make me believe that they are just trying to keep the money and then apply to my account. My biggest fear is not me because I am an informed consumer and I keep fighting until I get what I know its right, but most people are not as feisty as I am and I will get that signed the papers and forget about it. I am sending these complain and ask him for a solution, not only for my own personal benefit but for the other people that might be in The same situation, I dont know how to go about it. This company has to be investigated, and I need some answers about my partial claim. I said certainly hope that you can help me to solve this situation. Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
We had two accounts with Synchrony Bank, one was an XXXX credit card and the other was an XXXX store account. Both were in good standing and we were paying the accounts down monthly. The XXXX account included a rewards points program and at the time they closed the account there was {$75.00} available in points and another {$75.00} that would become available after the specified amount of time after purchases. 

With no warning, the XXXX card account was shut down and the reward points were taken away. I went ahead and paid off all that was due on the XXXX card. I called Synchrony for an explanation and spoke to someone at a call center who told me they had no access to the reason behind the account closure but that a letter would be mailed to me explaining everything. A week later we received a letter stating that Synchrony viewed me as a high risk for nonpayment ( even though I was never late and have a good credit score ). That was the extent of the explanation. About a week later, we got another letter, this one on the XXXX account, stating the same thing. 

What happened with the XXXX rewards was fraudulent, not to mention the fact that closing accounts like this can be damaging to my credit, which can be real financial damage to me. We were trying to buy a house in the next year and this could cost me with the interest rate we are able to secure. 

Synchrony Bank should not be allowed to damage innocent customers with unaccountable immunity. A quick search on the internet will reveal that this is a pattern for Synchrony lately. 

I tried to talk to someone at Synchrony would could help or at least explain their reasoning but, of course, that is not possible. The people who make these decisions are well insulated from the ones they are affecting. 

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 2020-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
THIS COMPANY REQUIRES ME TO HAVE A MOBILE PHONE NUMBER ON FILE IN ORDER TO GET ACCESS ONLINE OR GET THE REWARDS. I THINK THAT IS AN ABSOLUTELY RIDICULOUS THING TO REQUEST FOR SOMEONE TO GET THOSE THINGS. I HAVE A LANDLINE WHICH IS AN UNACCEPTABLE PHONE NUMBER TO THEM. I TRIED SETTING UP ONLINE ACCESS, IT WON'T GO ANY FURTHER WITHOUT A MOBILE PHONE NUMBER BEING INPUT INTO THEIR SYSTEM. THEREFORE AN ONLINE ACCOUNT CAN NOT BE SET UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was told by Navient that I was going to be part of the income-based repayment plan. I discovered today that I was not part of that plan. My student loans were never consolidated and I have still been charged interest every month. I was under the impression for the last year I was in this program and would have at least 11 months worth of qualifying payments towards the student loan forgiveness program. I did not know there were separate programs and feel like I have been lied to. I had no idea that my loans were supposed to be consolidated nor did I know the government would pay the interest for the first 3 years. I feel Navient has been misleading because I was under the impression I was in the Income Based Repayment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
There was a charge on my bank card and I reported that the charge did not belong to me. It was removed for investigation purposes and I did n't receive any other notification since. Now years later it shows up on 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 2022-04-22
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested validation on this alleged debt a day they continue to report it on my credit. I have not done or agreed to do any business with IC SYSTEMS nor have I signed any contract with their company. I also have not given any credit bureau authorization to report this item therefore no permissible purpose exists. This is a direct and blatant violation of my rights under15 USC 1681. NO AUTHORIZATION OR CONSENT WAS GIVEN BY ME TO GIVE IC SYSTEM ACCESS TO MY REPORT OR TO FURNISH INFORMATION ON MY REPORT Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Law Attached for reference 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 2020-08-04
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I deposited XXXX btc with coinbase, and now my account is disabled. I've reached out through every possible means, including multiple emails, and social media messages. They wont even reply. Im absolutely disgusted with their lack of support. I want to know why I'm not able to access my BTC or even login to my account! I want an explanation and resolution NOW I have uploaded my ID numerous time to get the same error : The name on the document ( " XXXX XXXX XXXX '' ) doesn't match " XXXX ''. Please try again or visit https : //support.coinbase.com for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Hello i filed for bankruptcy chapter XXXX and i was discharged so i called gateway one financial services and volunteer surrender the vehicle that was purchased XX/XX/2017 account number XXXX. This contract was between me and Gateway one and was discharged in my chapter XXXX. I never signed reaffirmation contract to continue paying the debt. Now im receiving this letter from Santander Consumer USA attempting to collect the debt when this debt was discharged. I never agreed no reaffirmation contract or clause and this is affecting my credit santander has put a derogatory remark and i would like this to be removed. I called there office provided case number and they said you're correct you have no legal obligation to this and i still see my credit being affected. I need santander to start doing business right and removed me from this account number and stop sending me mail. i never signed anything with santander. I called santander with the same issue over 7 times and they dont undertsand im protected by bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
We have a XXXX XXXX account that is open between XXXX and TD Bank. There is an ongoing problem between the two companies since at least 2018 looking at reviews online. After a few months of non use the td account will close, not normally huge deal however there is no way for XXXX to see the account is closed. We requested the account open again with TD bank but they can only open a new account. XXXX however can not see a new account because their system is not set up to unlink a credit account. XXXX and TD advised the only way for this to work is to close my XXXX account which has all my stored data and create the account again and that should re link the accounts. After doing that is just created a brand new TD Bank account so now we have one TD account we can't use and a brand new account that is linked with our XXXX account. I'm shocked that XXXX and TD Bank are just opening lines of credit for people that they can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We are in the process of a short sale since XXXX 2015, a completed short sale package was sent to Seterus & XXXX to be processed, including all updated financials every month. I received an email from XXXX that they can not move forward because they are waiting on the Servicer, Seterus to complete the necessary paperwork that XXXX needs in order to Approve the Sale. I have contacted the seterus negotiator via email and have called the customer service number at Seterus and has not received a response. On XXXX/XXXX/2015, I contacted customer service again, and requested a manager/supervisor to step in and help with moving this file forward since the Negotiator has been silent for over a month. They told me they say that the last time the file was touched was on XXXX/XXXX/2015 and that buy XXXX/XXXX/2015 XXXX would hav ewhat they needed. Well I follow up today and this was the message I recieved from XXXX:XX/XX/2015 XXXX Sales Borrower eligibility is still being determined. We are still waiting for Seterus to complete their portion of the short sale review. If you have questions regarding the required documents or need an update on the short sale please contact Seterus directly at XXXX. Thank you. 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Equifax report shows : XXXX debt in collections {$370.00}. Debt was paid XXXX/XXXX/2015. Need item removed from negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
My wife and I religiously follow the recommendation to check your free credit report regularly. We both get our reports from each agency on a staggered basis so we get a report for one of us every two months. For the third year in a row now, neither one of us has been able to get our report on line from Equifax. My wife was denied her on line report on XX/XX/2016. Every time we go through the on line request procedure, at the end, we get a message that it can not be completed on line, and that we need to fill out a form and send it, and XXXX supporting ID documents to them by mail. It has become obvious that they do not want to give out the reports on line. We never have a problem with the other XXXX agencies, so I have come to the above conclusion. When you try to phone in to complain, you are put through phone tree XXXX, to no avail. This is an abuse of consumer rights. In addition to the wasted time, more paper is consumed in printing and mailing the report. Additionally, our identity is put at risk by having the report, and our documents sent by regular, unsecured mail. Please take action to put a stop to this abuse. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Experian Information Solutions Inc.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

US DEPT ED Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : 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 2015-05-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a paid state tax lien on my Experian credit report that should be removed. Attached is a letter from the State of Georgia with explicit instructions to cancel from record. Please remove this entry from my Experian credit report to adhere to the Fair Credit Reporting Act.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Response was " consumer disputes after investigation '' No change. 
several of my accounts held by XXXX XXXX ( Student loan servicer ) On XX/XX/2016 I received a response from XXXX XXXX that they would make corrections to my CR with the application of a retroactive hardship. XX/XX/2016 the information updated and corrected via XXXX and XXXX, Unfortunately not with Equifax. XX/XX/XXXX I disputed the information only to receive the response above ( makes me question their investigation ). 
I wish to make a formal complaint and supply a copy of the letter received from XXXX XXXX ( Also supplied to Equifax ) and a screen shot of one of the same account XXXX VS Equifax. 
XXXX is the servicer on several loans and none of them have been updated with Equifax. They are all reporting the same error! I am requesting correction or removal of the Trade lines. I have every intent to seek legal assistance to recuperate the cost of higher interest payments, deformation, and missed opportunities at securing credit due to their errors. Please Contact Borrower XXXX Department by phone at ( XXXX ) XXXX, or by email at XXXXXXXXXXXX If Validity of email is a question! 

US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked United Consumers to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to 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 2021-09-06
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with the original signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation