BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-21
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Hello, I believe I am suffering injustice from Amazon/Synchrony as this company is adversely affecting my credit score and will continue for XXXX years unless my credit card is re=opened or removed from my credit file. 

Prior to Amazon/Synchrony Bank closing my credit card ; my stellar credit score was XXXX. 

My credit score has adversely dropped and I desire to recover my score to XXXX or above as I am in the process of purchasing my dream home and desire an XXXX credit score and will not meet this expectation as long as this credit card reports closed on my credit file. 

I have done all I can do, to have this issue rectified to no avail. 

I was approved for an Amazon Card. 

I have never been late nor did I owe a balance at the time my credit card was unjustly closed by Amazon/Synchrony Bank. 

Synchrony Bank unjustly checked my credit file and closed my account without my consent due to my credit score had dropped in XXXX 2015. 

I feel violated by Synchrony Bank making an judgement call on my credit which was right after the XXXX and Holiday season which many people all over the country max their credit cards out during the holidays and pay them off in the new year. 

It is my earnest belief, my privacy has been violated and furthermore ; as long as I have made on time payments to Amazon/Synchrony Bank it is none of their business to monitor the balances I owe to other credit agencies as well as my credit score. 

I need this rectified immediately. 

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested on XX/XX/2020 that Midland Credit Management provide me with competent evidence that I have any legal obligation to pay them, ie a contract with my signature, and as of XX/XX/2020 I have yet to receive a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: CO
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:
Account XXXX XXXX XXXX XXXX XXXXn accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 a inquiry was made on my credit report for Capital One Bank. I received an email from XXXX XXXX alerting me of the inquiry. I then called Capital One to notify them that I did not authorize that application. Capital One informed me that no open account was in their system with my information. They instructed me to provide a mailed letter to their office detailing what happened. 

I then went on my XXXX account to dispute the inquiry. I noticed that their was an address listed under my personal information that was not mine. The address was XXXX XXXX XXXX XXXX, Georgia XXXX. I notified XXXX about the inquiry and they made a fraud alert on my account and mentioned it would notify all other bureaus. 

I also went on my XXXX and XXXX account. I disputed the inquiry on XXXX. On XXXX, I noticed there was a phone number under my information that was not mine. The phone number was XXXX. 

XXXX advised me to file a police report or a complaint via the Federal Trade Commission and I was directed to here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I was watching tv I got a request from an unknown person asking for XXXX I declined one second later all my money which was XXXX was sent to a person and said that I sent it which I did not send it Cash App is not helping me they basically said it was an Authorize use Nobodys never seen my phone or pen I do facial recognition I filed a police report I dont know what else to do I did not send it nor do I know the person and Cash App is not helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I opened a credit card with walmart/ GE Money bank in XXXX and it is now XXXX. I stopped making payment in XXXX and have not sent in a payment since. It shows on my credit history i made a payment of XXXX dollars when i never did. I 'm not sure if this company that sent in a small payment to keep my account open but now i am receiving letters that i owe the XXXX and that my account wo n't be taken off my credit till XXXX. That is a 9 year span of time when it should have been removed a year or 2 ago. XXXX ( XXXX ) XXXX seems to have my account open and i need this to be removed due to the fact it 's legally been over the 7 year mark. Thank you so much and i hope i can get some advice on what steps i need to take.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX reported wrong information that is not associated with me. The company also reported a charge-off multiple times and the account being closed multiple times. A charge-off is not considered a payment history according to Experian. A charge-off is when an unpaid balance becomes a loss. Therefore ( CO ) should only be reported in the month and year that it became a charge-off. There should also be nothing to report on a closed account. An account can only be charged off once. Also, XXXX XXXX reported an address that I have never lived at. The address is XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, TN XXXX. I have never lived at this address before. Lastly, XXXX XXXX reported my account as sold to another lender. The party they sold it to is XXXX XXXX XXXX. However, XXXX XXXX XXXX is a debt collection agency and not a lender. XXXX XXXX has reported false information.

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 2022-08-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-04-25
Company: Midwest Recovery Systems
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX bogus so-called corporation is saying I owe them {$730.00}. I do not owe them a penny. They reported me to the credit bureau '' s XXXX, XXXX, XXXX. What i want if for them to do what is right. I am a hard working honest man. I researched Midwest Recovery Systems on the internet and found out that this predator corporation goes after honest hard working people claiming they have a debt to pay. I refuse to give in and pay them. This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Factor Trust
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wasn't made aware that I could opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Account XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-02-13
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX separate out of the United States traveling vacations my credit card company has declined purchases with my credit card, even though they were verbally told and also giving instructions on their online website that I would be doing so including the dates and the countries. I am currently in XXXX and advised the credit card company before leaving of my dates when I would leave when I would return and while I am here they declined my credit card and re-issued another credit card to be sent to my home address in the United States. Since I am still on the XXXX vacation, and they invalidated the credit card I can not use it and it becomes useless to me. I found them and told them I was still in XXXX that they had all the information that I would still be here and basically their answer was sorry I ca n't help you. I have documentation to the fact that I have advised him before about this problem and they said that they would correct it and take care of it yet it seems to me that situation continues and if anything gets worse.

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 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : Inquiries ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Date 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 non-monetary relief
Consumer complaint received 2022-04-23
Company: EQUIFAX, INC.
State: CO
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:
Account XXXX XXXX XXXX XXXX in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Made an settlement agreement and not honoring it. Either honor it or forgive the rest. Also Please do this as well. 

They have failed to verify the information that I am asking for when I contact the bureaus. I am writing to advise you that you are inaccurately reporting information to the credit agencies regarding the above account. You are in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et. seq. - see specifically FCRA 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies '' ). 

I hereby dispute your information in its entirety and request supporting documentation that substantiates the information you have furnished to the Credit Agencies. 

Please note, I am not requesting a verification that you have my mailing address ; rather, I am requesting validation in the form of some competent evidence that I had some contractual obligation associated with this trade line.

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 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX venture to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$84.00}

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 non-monetary relief
Consumer complaint received 2022-04-23
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$300.00}.

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 non-monetary relief
Consumer complaint received 2015-08-26
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX was my former lender account # XXXX illegally transferred my loan toRCS who has done nothing but give us the run around for months requesting the same documents over and over again. On XXXX/XXXX/2015 we submitted a complete loan modification package to RCS and trailing documents on XXXX/XXXX/2015. The submissions were acknowledge by RCS in a letter dated XXXX XXXX, 2015. We continue to submit documentsverbally requested by RCS throughout XXXX 2015, we received a letter dated XXXX XXXX 2015, Notice of Default and Intent to Accelerate, please keep in mind there has been no decision on our pending application prior to the XXXX/XXXX/XXXX letter. We continued sending documents to RCS throughout XXXX 2015, which RCS acknowledge again in a letter dated XXXX/XXXX/2015. In a ambiguous letter dated XXXX/XXXX/2015 from RCS denying our loan modification without providing a reason or cause which is required under California Homeowners Bill of Rights, RCS is in violation. We strongly believe that XXXX XXXX XXXX purposely dumped our loan on to RCS is known for foreclosing and not loan modifications. The letters we have received from RCS are dubious at best, misleading and not providing a clear path to obtaining the mortgage we have sought so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: SELECT PORTFOLIO SERVICING, INC.
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX my wife and I applied through the Michigan Hardest Hit for assistance with our mortgage due to a reduction in income and layoffs and XXXX XXXX the Michigan Step Forward program approved us for a pay down off {$24000.00} on our principle mortgage balance. At the same time we applied with Select Portfolio Services our mortgage company to refinance the balance of our mortgage to reduce the rate and payment. We sent all our current tax returns, paystubs, bank statements, paid property taxes, proof of insurance and a written letter from my wife 's employer and was told bu Select Portfolio they would not accept the pay stubs and letter because they were hand written, we were also told that they would not accept my wife 's XXXX as verification of employment. My wife has worked for the same company for over 6 years and has kept her stubs until she receives her XXXX and we file our taxes. All we want to do is refinance our mortgage to lower the rate and payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I sent you guys a complaint a few months back and that have a very positive effect on getting my mortgage and short sale moving along after being stuck for 8 months. Thank you for that. It has been a year now since I started the short sale process and still no resolution. The last potential buyer backed out after we were quoted 15 business days to review the short sale and we did had no word after 6 weeks. I call to complain and no one seems to care. Now I have to start this whole process all over again. This is totally unacceptable for it to take this long. It took so long that our initial documents all expired before they could complete the process and we had to complete new ones. I was able to get my wife a XXXX faster than this. I try to give them everything they need and they drag their feet until the buyer walks away. The process is so difficult they want to foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation