BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: SYNCHRONY FINANCIAL
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:
This is not my account. My Identity was stolen if you see my license number is not the same as the license number used to open the account.

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 2023-05-31
Company: KEYCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I cashed my life insurance policy check at XXXX XXXX XXXX Keybank and they they told me it would post XXXX to XXXX. They also told me it wouldn't effect my direct deposit. 
XX/XX/2023 the check cleared but direct deposit was posted. I try to pay my rent online and the keybank app said my account was restricted. I call customer service but they seem to be confused on why my account was froze. 
XX/XX/2023 I go to XXXX XXXX XXXX And they told me that theres a hold on my account but they dont know why? but to wait XXXX weeks. 
XX/XX/2023 I go back to XXXX XXXX XXXX. They tell me they have a hard time reaching the fraud deparment and they dont know whats going on but to wait 2 months. 
XX/XX/2023 i contact corp office XXXX  for addtional questions. I find out the fraud department said XXXX XXXX XXXX didnt send addtional info that was need for the case. 
XX/XX/2023 I recive XXXX letters in the mail. XXXX saying " the account hold is typically within XXXX business days. the other XXXX stating they are closing my account within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: NY
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX Date opened : XX/XX/2017 Balance : {$28000.00}. Please remove this account from my file.

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 2023-06-03
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
There's accounts on my credit report that I don't recall having knowledge about. I would like to have them removed as soon as possible indefinitely.

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 2023-06-02
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I recently placed a complaint in regaards to XXXX XXXX XXXX, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from Rooms To Go, Synchrony Bank. However, this was false information. As I stated in my feedback, I receive Informed Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. 
However, I contacted Synchrony Bank in regards to my RoomsToGo account. 

After searching endlessy, I found emails from Synchrony Bank, in my junk mail ( emails ). 
They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. 
I called, todayXXXX  and spoke with XXXX. She informed me, that a dispute was sent to XXXX XXXX. She also informed me that, within 60 days, my account should be back with Synchrony Bank and I should not have to deal with 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 2023-06-02
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone was selling 2 tickets to an event for {$480.00} total. I messaged them over XXXX XXXX and I sent {$100.00} through XXXX to the seller for insurance purposes on XX/XX/2023. Then the tickets were transferred to me over email from frontgatetickets.com. Lastly, I sent the rest of the money ( {$380.00} ) through XXXX on the same day as the payment continued to fail on XXXX, which was the first thing that made me suspicious. I then realized tickets can not be transferred through frontgatetickets.com. I found out later that the seller deleted their XXXX account, so I was unable to message them. I bank with Wells Fargo and completed my XXXX transfer through them, so I called the bank and they opened a claim for me. Wells Fargo sent me a letter notifying me that the money could not be returned to me as the transaction was authorized by 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 2023-06-03
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, I opened my account on XX/XX/2023 at XXXX XXXX XXXX branch with XXXX XXXX, I tried to enroll in online banking a couple of days ago and the application was declined without any information. 
I contact the banker to fix this and I was refered to customer service, which are never available to pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
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:
I was a victim of identity theft and have provided these documents multiple times. There is ONE account that shows up in collections that should not be there ( for {$140.00} ). As a result, I was recently denied a mortgage with NFCU when I have 100 % payment history and have no delinquent/derogatory debt as advised in the letter. All of my accounts are paid as agreed. I dont know what the bank is looking at to make this decision since I dont see it and would not think a home loan would face denial for {$140.00}. 

This adverse action is affecting my quality of life!!! 

Additionally, Medical collections/debts should not be showing up on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: Adler Wallach & Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AWA COLLECTIONS XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX account. {$570.00} past due as of XX/XX/2023. 

XXXX account. {$570.00} past due as of XX/XX/2023. 
Past Due Amount {$570.00} Original Balance {$490.00} 15 U.S. Code 1692b - Acquisition of location information 15 U.S. Code 1692c - Communication in connection with debt collection ( b ), ( c ) 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1692g - Validation of debts Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My privacy rights have been violated and so have my hippa rights as a medical bill is private personal information I did not agree for my personal information to be sold off to a third party collection agency I have never been to this facility Ive asked for the original proof of validity for this debt The address associated with this debt does not exist I have not gotten any notification of debt or collections from any of the companies requesting payment for the debt amount Yet its reporting to my credit profile without them verifying its validity to me AWA Collections is also illegally processing debt in a state it is not authorized or licensed to operate in AWA Collections is not authorized by NC to practice debt collection

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: Bread Financial Holdings, 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:
I have tried to contact the credit card bank. The phone number goes to a recording. I have left a message to call me and never received a follow-up response.The bank 's address is only a XXXX XXXX XXXX. 

My XXXX credit score went from XXXX in XXXX XXXX XXXX down to XXXX in XXXX XXXX XXXX  on my XXXX card statement. 
Comenity Bank/XXXX XXXX XXXX XXXX XXXX, Ohio XXXX They allowed someone to open a credit card under my name and the final charge is currently at {$9500.00} The account has been closed, my credit score has returned into the XXXXXXXX XXXX. 
However, the debt continues to remain on my credit history. 
I would very much appreciate having it removed from my credti history. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-04
Company: NEW YORK COMMUNITY BANCORP INC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar negligently handled accounting of my mortgage and my payment of {$2300.00} wasn't applied to my loan and became a " Suspense Account ''. After many attempts for me to get them to fix that they still didn't comply and to make the matters worse they reported late payment to my credit 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 explanation
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: MA
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:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Mortgage Service company is playing game, with me, every time I call I get different reprsentive, and they give me miss information, and know they're telling me my loan is default.

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 2023-06-04
Company: Shellpoint Partners, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was paid in full XX/XX/2023. The mortgage company has reported the mortgage as delinquent. 
I have tried to resolve this for 3 months. This has impacted my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please investigate inquiries on 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 non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
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:
Experian did not delete the unverified collection off my Credit report. 


XXXX XXXX XXXX XXXX Account # 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 2023-03-21
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I dispute your claim and request validation from you under the Fair Debt Collection Practices. Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email above and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Synchrony Bank / Lowes charges {$2.00} above the already high interest rate. The rate has increased because of the Fed and every month they had a fee because there is interest. i have had the card 6 years, never missed a payment. I called and they confirmed they charge a {$2.00} fee above the interest i already pay. i do not brie e this is fair and they are charging above and beyond what they should. This seems fraudulent and they are gouging us. thx

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 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I became knowledgeable that my credit score had dropped significantly from a XXXX card bill which I received- I called XXXX to find out why - My credit is perfect and I don't carry any balances on credit cards- They advised me that Citi card had a $ XXXX plus balance which was derogatory and advised me to call them- so I did- I opened an investigation with them after learning that a card was opened in XX/XX/XXXX- I did not apply for a Citi card in XX/XX/XXXX- I never heard back from Citi - about thirty days later I called XXXX again because I had made a compliant about the fraud account, they advised me that Citibank declarer that it was my account. This is untrue. I called Citibank again. 
The first compliant was on XX/XX/XXXX & the second one on XX/XX/XXXX- they said they will investigate it. I'm getting nowhere with them, they are useless, there consumer help line you only talk to people who struggle with English, don't care what you have to say and don't resolve anything. 
What I have learned so far is that the charges were made in Florida, where I don't live, I never received a bill or notice from Citibank related to the charges. Its a fraud account or stolen account - The charges are not mine. 
This should be easy to investigate - I asked them where are the bills going, they wouldn't answer. I need it resolved immediately Its is stolen, fraud whatever you want to call it- Citibank is making it impossible for me to resolve, cant talk to anyone with a any expertise in these matters just incompetent people who are the furthest thing from helpful or concerned.

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 2023-06-11
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1.XXXX  XXXX ACCOUNT # XXXX has violated my rights. 
2.XXXX  XXXXXXXX XXXX XXXX ACCOUNT #  XXXX has violated my rights. 
3.XXXX XXXX ACCOUNT # XXXX XXXX has violated my rights. 
4.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
5.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
6.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 
7.XXXXDEPT OF ED ACCOUNT # XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief