BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I had an accident and was in hospital for XXXX .At some point I called Synchrony Bank to make payment and after s battery of questions was told that my account was frozen because I was noted to be deceased. I have since had my account active and made current payments but the negative reports to Credit Bureaus should be removed.

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 2017-06-26
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was contacted by a collector within the company and told that the loan was in default and I needed to commit to paying {$600.00} per month for a year, and then the terms would be revised to reflect the commitment and my financial situation. At the end of the year the company continued to demand {$600.00} per month and when I explained that there was no way that I could continue to make those payments told me that the interest and fees would compound indefinitely. What began as a student loan amounting to around {$30000.00} for an in-state college has exploded to extortion of what the company quotes at approximately {$120000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Olson Associates PC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was informed of a pending garnishment, prior to that i was contact by a scam artist that told me about the debt. I have contacted both parties to gather more information. They say that i have been sent everything they have. I asked for the fees in writing and i was told that is not a option. According to Olson Shaner I will be garnished for this amount that i am disputing. This debit is form 2008, it has taken them almost 9 years to collect. I have tried and tried to gather as much information i can about this debit and yet all i have is a dental ledger and some notes. Company is not willing to assist me with any other data. This is not listed at all on my credit report anywhere. I have attached the document in which they say i owe.

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 2017-06-26
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This is regarding CFPB Complaint Number : XXXX which has been closed.
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Your correspondence dated XX/XX/XXXX you are providing an update, I appreciate it. I have given time to Seterus to provide me with the necessary documents but to date, this has not happened. I have been in continued contact with Seterus and they continue saying the same thing " this is a lengthy process and you should be receiving the assumption trial period plan shortly ''. To date, I have not received anything. My home is in foreclosure with a trial date ofXX/XX/XXXX. Seterus states they have never prepared a divorce assumption with both parties alive, they have done this once a party/spouse passes away. I understand this and appreciate it but I have been waiting since XX/XX/XXXX to receive the Trial Period plan and this matter has been ongoing since XX/XX/XXXX when I was approved for a loan modification but it was under my ex-husband 's name. Basically it has been a little over a year and still no trial payments have been offered, nothing.
<P/>
My family is anxiously waiting to resolve this matter, my ex-husband is taking me to Court tomorrow XX/XX/XXXX to try and make the Court force our home to be sold. This is just incomprehensible. I just want to save my children 's home and have a roof over their and my elderly parents ' head. More time goes buy the more money they tag onto the mortgage. What happens if I ca n't afford the trial payments because the mortgage amount is too much since it will include Attorneys ' fees, late fees, and everything else. Last I knew, the mortgage owed to date was approximately {$400000.00}. The homes in the area and the comparable properties estimate our home to be valued at no more than {$350000.00}. The amount keeps going up but property values do n't, what can I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a TD account under a promotion for {$300.00} for {$2500.00} in direct deposits. I somehow clicked the submit button twice, and accidentally opened two accounts. I messaged the bank to say " hey, I accidentally opened two accounts, can I only have one account ''. 

My online banking stopped working after that. I called the bank, and they placed a fraud review on the account ( without messaging me or informing me ). The account is being closed against my will - but they still accepted my direct deposits. Apparently, I can only get said money by going in branch or by sending a notarized letter. I am in XXXX  XXXX  in XXXX, but my permanent address is in XXXX. The nearest branch is 1000+ miles away. 

So I met the terms of the promotion ( my $ XXXX/month of direct deposits did get deposited ), and they should have paid out {$300.00}, but instead, TD is just holding {$3300.00} of my money and closing the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-26
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/XXXX, I filed a dispute with Equifax due to false negative item on my report. The confirmation number for this dispute is : XXXX  for the amount of {$2300.00} ( monies owed to landlord ). I called them on XX/XX/XXXX to check on the status of the dispute. The agent informed me that the company was able to confirm the accuracy of the item ; however, they never contacted me via phone, mail, or email to advise me of this information.I even went online to check on the status, and it had no status pending. To my understanding, they have 30 days to respond and give me the results of the dispute. After speaking with an Equifax representative, they informed me that they can send a copy of the dispute resolution via mail/email ; I never received the documents. I 've been dealing with Equifax for 6-8 months and they never respond to me, unless I report them or call to complain. As Americans, our entire livelihoods somewhat revolve around our credit score. So as of XXXX ( today ) I filed another dispute for the same negative item with Equifax and my new confirmation number is XXXX. If something is wrong or incorrect, it can impact our lives tremendously. The negative item does not belong to me and is not my responsibility. I reached out to XXXX XXXX XXXX ( the debt collecting agency ) and they also said, there 's nothing they can do. I, honestly, do not know what I should do next, which is why I 'm reaching out the the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
sent to BANK XXXX XXXX, XXXX Comenity Bank : Account XXXX was closed by me in XXXX XXXX within the 30 days given to do so, via a telephone call to the bank. Account XXXX was closed as the card is being discontinued and I received a XXXX XXXX XXXX to replace the XXXX XXXX XXXX I come to find the account was not closed till XXXX after I returned a statement explaining the account was closed. Simply sending the statement back with the words ACCOUNT IS CLOSED on the statement. I assume it was never closed when I initially called and closed the account in XXXX / XXXX XXXX to a XXXX XXXX XXXX representative @ XXXX When I log into my XXXX XXXX account online and it shows a {$0.00} balance for a card that was closed in XXXX XXXX ( see enclosed screen shot ) I assumed when looking at my account online my balance was {$0.00} as per your website never seeing a balance or additional charges. Why can I still log into a closed account from XXXX and not an account the bank shows me owing money? Also when I log in online should it not show me my latest account information not information from an account closed in XXXX? Really not sure whats going on at this point. So I can log into he bank and see info on an account thats closed but not and account that was closed in XXXX which according to the bank now has a {$250.00} balance. Then on XXXX XXXX XXXX I get a letter stating I owe {$210.00} for some type of membership fee ( but the card was closed in XXXX XXXX? ) per my phone call to the bank. Can you please make sure any account I have is closed and there is no balance on any accounts with Comenity Bank. I closed the account in XXXX XXXX to avoid the membership fee and somehow the card was never closed as requested. The card XXXX has not been used so no membership fee should be charged. I can not even log into Comenity Bank and view this fee and additional penalties and charges My online account takes me to the WRONG account information. When I visit : XXXX XXXX XXXX shows me {$0.00} balance evidently on a account # XXXX. Which apparently was an old closed account/card from XXXX. I can not log into any account XXXX. Thus I had no idea the account was not closed. I need to have access to current information in order to see that the bank has a error pertaining to my closed account. Thank you for taking care of this and I will need a letter stating the banks mistake and showing a {$0.00} balance. Thank you for your time and handling this. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
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: Reporting company used your report improperly

Complaint:
report filed with XXXX  case number XXXX ... 
In accordance with the Fair Credit Reporting act. Experian and XXXX  XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC ****. 15 U.S.C **** section 602 A. States I have the right to privacy.15 U.S.C **** Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. Experian and XXXX  XXXX XXXX continue to violate my rights.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been having a hard time extending new credit for myself. I recently reviewed my credit report and noticed there are several inaccurate items on my report. I understand that the information reported on my credit report must follow an industry standard format called Metro 2 and my information must be reported with maximum possible accuracy. However upon review of my credit report I have found out that the following accounts are reporting inaccurately and they are not metro 2 compliant. I have sent multiple letters to the credit bureaus to get these items rectified but the haven not yet responded or investigated into these issues. 

This account is reporting inaccurately and it is not metro 2 compliant. 
NAME OF ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX In accordance with tine Fair 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 contacted XXXX XXXX  regarding a XXXX XXXX  that I paid off in XXXX XXXX XXXX. Upon receiving a credit alert, I logged in to find that they reported my account delinquent with a 30 and 60 day late payment. My first contact with them was XX/XX/XXXX. They said they would remove finance charges of roughly {$4.00} that I wasnt notified of after my final payment along with the delinquencies. I was only checking XXXX at the time. It took a couple more phone calls before this was successfully removed from XXXX. Several months later, I realized that it was not removed from Transunion and was dropping my score. I notified XXXX again believing it to be their issue. They stated that it was the credit bureau not fixing it. I logged a dispute with transunion. The results stated they could not remove it as it was accurate. I called XXXX again. XXXX for roughly the 5th time assured me that I have no delinquency on their side and they will submit this to the credit bureau again. XX/XX/XXXX, XXXX drafted a letter stating that they couldnt remove anything as there was nothing left to remove. I logged in and saw there were still a 30 and 60 day late payment on Transunion. I called XXXX  AGAIN on XX/XX/XXXX to find out what I can do as I have now thoroughly disputed this error. They stated they would send to customer care. I received electronic communication a few days later with a link to a letter from XXXX stating that all delinquency from XXXX and XXXX of XXXX would be removed. I was leery of the dates as Im not sure whether those refer to the dates reported or the dates they have for the missed payments, but figured I would wait and see. Almost immediately I received an alert from transunion that my account improved with a date reported of XX/XX/XXXX. I was thrilled. The next day, I saw I had an email from transunion stating I had delinquency reported on the same account on XX/XX/XXXX. I am unable to determine whether XXXX has any fault in this, but the back to back alerts from Transunion leads me to believe they are interpreting the information incorrectly. Im mentally exhausted from trying to fix this. XXXX ASSURES me that this closed account has no delinquency and it was removed in XXXX of XXXX. Ive been fighting ever since to have my credit reports accurately reflect the type of borrower I am. I dont know what else I can do, but each phone call is followed by several weeks of wait and see leaving me with an inaccurate credit score that affects my worthiness as a borrower. Please help me. 

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 2017-06-26
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
WE fell behind on our mortage a few years ago. Step forward program helped us save our family home. SInce this program we have been faithfully paying our mortage. I also thought PNC would lower my current 8 plus interest rate. The problem is since this happen I have contacted PNC Bank to get them to remove my loan from the foreclosure level without any luck. I have spoke to managers on several occasions and they keep telling me the same excuse, they cant help me or another manager needs to fix this issue. Meanwhile my credit is still not bouncing back > What more Can I do to improve my credit rating so I can get a lower interest rate from someone else since PNC wont help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: CORELOGIC INC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On or about XX/XX/XXXX I noticed in my XXXX XXXX app that monitors my credit scores that my credit score dropped, and there was a hard inquiry. The entity that pulled the hard inquiry on XX/XX/2019 is the following:CREDCO/ XXXX XXXXXXXX XXXX XXXX XXXX CA XXXXXXXXI tried to call this number and it always said all circuits are busy.I did not authorize this inquiry. I have not authorized anyone for a hard inquiry recently, and my banker said they did not ask for this inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received letter stating amount paid. However the next month I received a bill for {$3.00} next month it was {$4.00} and change I just received another one for {$5.00} and change. Is this legal.?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: FL
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:
There are numerous items listed on my credit report that are erroneous and inaccurate. This is having a serious negative impact on my overall credit worthiness.

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 2019-03-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On all credit agencies the same accounts are not mine and listed as mine. I was the victim of ID theft and the companies and credit agencies have not remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Again I am having issues with chase!!!

If my account is closed why are there still activities going on?! I have been treated very unfairly and no one is answering my questions and concerns. On top of it all I can not access any of my bank statements which just shows me that CHASE has something to hide, I have contacted the FDIC and if I must I will take further actions to get the issues resolved as well as receiving compensation for all the hardship, stress and financial issues that CHASE has caused.

They have stolen money from me and there have been weird transactions appearing on my account even after I was told that the account was closed and this happened without warning or knowledge of what is really happening with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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