BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-17
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am a victim of hurricane Irma and was offered to place my morgage payment on hold till XXXX XXXX/2017 with no penalty under the civil relief act. I made a agreement with XXXX XXXX to pay back by XX/XX/XXXX and they promised not to report on my credit report. So I place my morgage on a 3 months forbearance. All those promises is all over XXXX website but they are placing all missing payments on my credit report. I had called several times and ask them to remove that from my credit report but so far nothing happened. This is damaging my integrity and I need them to remove that negative information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: Pacific Union Financial, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my VA mortgage loan with XXXX Bank. The terms and conditions of repaying that loan were disclosed at time of escrow closing. The monthly mortgage payment is due the XXXX of each month, and the borrower is provided a XXXX grace period before any late fees are assessed. 

Within just a few weeks following loan closing, the lender XXXX sold the loan to Pacific Union Financial LLC out of XXXX XXXX, TX. Pacific Union is trying to assess a {$5.00} draft fee for payments made after the XXXX of the month. They claim this is because they utilize a XXXX party servicer that charges Pacific Union Financial a {$5.00} fee to process. 

I have informed Pacific Union that they can not assess additional fees not disclosed or agreed upon in the mortgage closing documentation. They also state that they waive the {$5.00} fee for payments received between the XXXX thru the XXXX of the month, but choose not do so thereafter. 

That Pacific Union has opted to process payments thru this XXXX party server that charges them a {$5.00} fee is not the responsibility of the original borrower to bear. They have not offered to permanently waive this fee for payments received after the XXXX. We never agreed to these terms, and have always been allowed the XXXX grace period to make the mortgage payment ( previously financed thru XXXX Bank out of Michigan XXXX with no additional " late '' fees assessed and applied to the loan. We were not offered any input when XXXX unilaterally sold the loan to Pacific Union, nor have we or will we agree to additional monies being assessed against the loan amount for the " privilege '' of making online payments or failing to meet an additional due date over and above those agreed upon at time of closing. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
On XX/XX/2018 I submitted an online dispute via Experian for collection agency XXXX XXXX XXXX XXXX. There were 3 duplicate XXXX XXXX XXXX collection accounts reporting on my credit report, 2 with positive information, 1 with negative information. I submitted receipts and information disputing the negative information. Somehow, the positive information was deleted, however the negative info is still active on my report. I contacted Experian explaining I did not submit a dispute regarding positive info ( why would I dispute positive info in good standing ), I'm disputing the negative information. The rep explained the company didn't respond therefore the positive information was deleted. In my opinion, they should have deleted the negative information as well. She submitted another dispute for the negative information. Coincidently they're claiming the company has now responded claiming the negative information is accurate. How did they not respond to the positive information, but somehow responding for the negative information? I feel I'm purposely targeted to have negative information reporting on my credit reporting. I don't understand why they delete the collection altogether for that account if they didn't respond to my initial dispute. Can someone please assist?

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 2019-07-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The XXXX XXXX XXXX ( XXXX  visa/ XXXX XXXX is reporting that it is a bad debt these accounts has been paid in full I would like for them to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: Experian Information Solutions 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:
I AM A VICTIM OF ID THEFT. I HAVE ENCLOSED A FTC REPORT AND IDENTIFYING INFORMATION TO HAVE THE ITEMS REMOVED FROM MY CONSUMER REPORTS.

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 2019-07-28
Company: Experian Information Solutions 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:
I have sent 4 certified letter to Experian asking to verify the following accounts XXXX {$730.00}, XXXX XXXX XXXX {$630.00}, XXXX XXXX XXXX {$150.00}, They have failed to send me proof of these accounts in the form of the original sign document but are stating Verified and Accurate, I don't know how or who verified these incorrect items on my consumer report, This is holding me back from buy house and car loan,

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 2019-07-28
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2019 I logged in to my bank account and saw {$3200.00} in my son 's XXXX XXXX bank account. ( I can see his accounts too ) XXXX is XXXX XXXX XXXX with a Campus Plus checking account. I called the bank once I got home out of traffic and discovered that some deposited and check and took out the money by someone who walked in the bank in California. First, my son is XXXX XXXX XXXX and we live in Texas. He also has very little money so he doesn't check his account on a daily basis. The last transaction he made was on XX/XX/2019 and a XXXX XXXX gas station in which he used his debit card number and a pin. He didn't realize his card was lost until the XXXX when I had the bank on the phone. Which is not uncommon for XXXX, considering he is a recent high school graduate and has very little money. While on the phone with customer service, she was trying to reach out to the bank. We also discovered that someone used his checking account and did the same thing in California at another branch. As soon as I saw this I called and reported this. From the beginning they accused me and my son of being dishonest. We did not have anything to do with this. I called and followed up and was finally told after I went into a branch that they are holding him responsible for the 2 transaction. First he is a minor. This is some kind of major crime scheme and we should not be held responsible for bringing a victim. The only mistake he made was losing his card. My son is devasated and so am I. I have established accounts with the bank. I have a savings, checking, a loan and a IRA with the bank. We dont have any reason or purpose to try and do something like this. I had to close all my accounts today to avoid any fees in my account. I am very upset and feel personally attacked by my own bank. Again, we live in Texas and we have not been to California. My son nor I should be held responsible for this. Furthermore, they allowed the checks to be deposited and and withdrawn from a student account with {$8.00} in it and a savings account with XXXX in it. We filed a police report and plan to or consulting an attorney. My son is a victim of fraud and identity fraud. He is only XXXX XXXX XXXX and he has been distraught over this whole ordeal. I believe he is a victim of skimming. Since he used his pin they got it when he pumped his gas. He accidently left his card and they were able to use his information. Again XXXX is a young man heading to college. We are good citizens and are not involved in this. I am hoping to get this matter taken care of before XXXX leaves for school. I will not be held responsible and we will continue to fight this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On or about XX/XX/2022, I applied for a credit account with Synchrony XXXX and I was denied credit on or about this date per the salesperson at XXXX XXXX. 

I immediately contacted Synchrony Bank to understand the basis for their decision and I was informed that they were unable to confirm my identity and that I should go to the website : verifyy.syf.com. I also informed them at that time that I am a current cardholder with their company and that I already have two accounts with them ( one closed and one open ) and that I have an impeccable payment history with their company. After several tries to upload my id in their system, the system timed out and would not accept the picture of my id and closed out without giving me another opportunity to upload the id. I contacted Synchrony Bank again ( on the same day ) to inform them that I needed to get back into the system to upload the back of my id and I was informed by the credit department that my application had already been decisioned and that it was denied. 

Please note that I have an impecable credit history and sustainable income to qualify for the purchase. As a matter of fact, I ended up paying for the merchandise out of pocket instead. 

Synchrony followed up with a letter informing me of the denial because ( in their words ) " we were unable to confirm your identity with enough confidence to approve your application at this time. '' The denial was in no way credit related and now I have a credit pull on my credit report that I am unable to remove in addition to not being able to open an account for an eroneous reason ( lack of identifiation ) when I clearly have two accounts with this company. 

I am writing to CFPB because failure of the creditor to adequately identify an applicant who has open accounts with the subject company is failure of the creditor 's ability to adequtely process applications and causing harm to individuals by denying credit not based on creditworthiness. Attached is a copy of the letter that I received from Synchrony outlining the denial based on identity and not credit. Please note that my home address and phone number have been the same for over 15 years and there is no way that my identify could not have been known with consistent information and 2 accounts with this company.

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 2017-10-17
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX, XXXX, I request debt validation of the following XXXX debts placed for collections at RENTON COLLECTIONS, INC. 

XXXX. Original creditor XXXX XXXX XXXX {$900.00} XXXX. Original creditor XXXX XXXX XXXX, XXXX Balance {$260.00} On XXXX XXXX, XXXX, I mailed a second request for debt validation regarding the above referenced accounts. 
I did not receive any information regarding these debts, and the collection agency has failed to validate the debts. 

XXXX LAST NAME HAS CHANGED FROM XXXX XXXX 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 2017-09-12
Company: Choice Recovery, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is an old medical debt with no way of settling or disputing. No one has co operated with me I was under my mothers insurance and suffering now.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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:
In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my 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 2020-04-23
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
This card is used for health care expenses and can be used at XXXX as well, never received any notice of when my payment was due. Starting in XX/XX/XXXX I got a notice that my payment was late on XX/XX/XXXX. So I made the payment, but had no exact billing date to go by when my payments were due. 
My bill is {$68.00} a month according to the company, from that point on I would check the website to see if I could find a due date for my payments, nothing showing an exact due date. I also went into the website and added a bank account to use to make the payments, next time I got notice my payment was late, I went to the site and bank account info was no longer in there. I have added 2 different bank accounts to the site, I have sent them multiple payments to keep the bill up to date. On the website it shows that 3 of the payments I have given them have all been rejected by according to the company by my banks. I have never had any payments rejected by my banks, and if you look at my bank statements this company has never even sent a payment request to my banks. I get a notice on my bank accounts when someone tries to take a payment, it will show as pending, then paid or returned by my banks. In no way shape or form has this company ever showed up as either one of them in my bank accounts. Now I have hits on my credit report saying I have late payments with them and am behind, which has lowered my score drastically from above 600 down to the low 500 's. I don't believe how they are doing business is fair to consumers and would never recommend them to anyone, I would rather tell people to never do business with them. To me Synchrony bank/care credit is a rip off and does nothing to help consumers in the long run. I have all the documents from my bank and their website to show what has been going on, I also have all the emails I have received from them over the past 4  months, which total 4 emails.

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 2020-10-07
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: Information belongs to someone else

Complaint:
I started an initial dispute on XX/XX/2019 regarding errors on my credit file. I requested that the items be deleted. I also submitted a Federal Trade Commission Identiy Theft report as well as a Police report regarding accounts obtained because of Identity Theft. Experian as yet to comply with section 605 of the Fair Credit Reporting Act. Please make sure they adhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
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:
Certain remarks were not properly verified or confirmed negatively impacting my credit score.

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 2022-06-12
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The XXXX XXXX XXXX XXXX is sending me notices for an alleged debt. The alleged debt is past the Statute of Limitations for legal action and credit reporting. Therefore, the business can cease and desist all communication efforts, notify the client of such and also not forward this alleged debt to another agency.

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 2022-06-12
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my 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 2017-10-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XXXX I received an invoice from BestBuy credit card for purchases of {$4700.00}. Transaction date XXXX at XXXX XXXX, N.Y. consisting of one computer@XXXX. Also on XXXX @ XXXX, N.Y. there is a charge for one computer @ {$3000.00}. They are billed to a credit card with my name. I do not have a Bestbuy card On XXXX I received an invoice from XXXX credit card with a charge of {$970.00}. I 've never heard of this company. The charge was made on XXXX. {$640.00} and listed as XXXX direct # XXXX @ XXXX XXXX IA again on XXXX another charge was made at XXXX XXXX IA for {$320.00}. In both cases I contacted the account manager and the charges were removed. Both managers suggested contacting your services.

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 2019-07-28
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I was very upset to learn that Citi is stripping almost all the insurance from its credit cards for things like trip insurance and return protection - even for new cardholders. They sold the card I was recently approved for with this insurance - such false advertising! They should not be able to sell you one product then just give you another. This really reduces their card 's value - almost all my other cards have at least some of the benefits they have stripped away. It is a move that will enhance Citi 's profits while severely harming consumers and should be looked into by the CFPB.

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