BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-09
Company: Vinci Law Office, LLC
State: WY
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been paying on this account since XXXX. It began with moving out of an apartment before the lease was over. I tried everything I could to have an agreement with them. And finally I could not pay rent anymore, so I cleaned the apartment and left before I was living there past what I had paid. Without hearing from them for a year, they turned me into a debt collecting agency. I began getting mail from an office called XXXX XXXX, and after that they sent me to Vinci Law Office in XXXX, CO. They have not been helpful to me, and I have paid WAY more than what is accounted for on my account. I started at around XXXX. Made my first payment on XX/XX/XXXX. I pay {$250.00} a month. I have in total paid {$2700.00}. However, my balance is still at {$5100.00}. There is almost XXXX not accounted for. They never tell me my balance online, they call me and demand money I have already paid, and much more. They have done nothing but make this worse!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: NM
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:
XXXX XXXX and Experian are ignoring my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: Experian Information Solutions Inc.
State: LA
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 notified the credit companies and disputed fraud accounts on my credit report and nothing has changed since last year

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 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 notified the credit companies and disputed fraud accounts on my credit report and nothing has changed since last year

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 2017-02-11
Company: CMRE Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from CMRE I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CMRE in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On approx XXXX XXXX I opened a svg acct with Synchrony Bank online. I added XXXX XXXX XXXX Bank to my Synchrony acct so I could transfer money. Synchrony verified XXXX acct by submitting XXXX small deposits on XXXX XXXX. The day after I then transferred money from XXXX to Synchrony to fund the acct. On XXXX XXXX I set-up another transfer from XXXX to Synchrony but on the XXXX I noticed it had not gone through so I called Synchrony. I asked why the additional transfer I had requested the week before had not gone through. I was advised that my acct had been locked because they were not able to verify the XXXX acct I had requested the transfer. Keep in mind this is the acct that funded the Synchrony acct. after they submitted XXXX deposits to verify the acct. After calling them almost everyday for 2 weeks and speaking to various supervisors they finally transferred my money back to XXXX on XXXX XXXX. This was by far the worst experience I have had with a financial institution and I want you to know that they should not be allowed to manage anyone 's money. I felt like I was being held hostage because of their incompetence. Imagine ... Synchrony could n't verify an acct that funded the svg acct I had opened with them. This is my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed in XX/XX/2022 by Synchrony Bank that an account alleging a debt in my name in the amount of {$1900.00} was assigned/sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I disputed this alleged debt in a XX/XX/2022 letter to XXXX. I have never held, owned or used an XXXX XXXX XXXX XXXX issued by Synchrony Bank. I asked that XXXX produce the relevant contractual agreement between me and XXXXXXXX XXXX/Synchrony XXXX XXXX XXXX that contains my signature, and proof of any purchases in connection with this alleged debt were made or authorized by me. 

XXXX responded by providing the referral letter XXXX XXXXSynchrony sent to them. In correspondence dated XX/XX/2022, I called out XXXX for their failure to substantiate this alleged debt. 

Their response on XX/XX/2022 was that they have responded to my request and consider the matter to be closed. 

I am not responsible for this fraudulent debt, and it should be removed from my credit report immediatley. XXXX 's collection efforts should cease, and any harm to my credit report corrected. This has impacted my ability to refinance my house.

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 2022-05-13
Company: SYNCHRONY FINANCIAL
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.

XXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

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 2018-05-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/18 I received a Synchrony Bank Walmart Mastercard in the mail that I did not apply for. I called the customer service number on the back of the card and cancelled the card immediately. I was not sure why I received this card. The agent said that I needed to provide my private information for this card to be generated. I never ever applied for this card. It is strange that the card came to me in my name. I would think that if someone stole my info, they would have had a card sent to them ( in their name ). I NEVER provided information, or applied for this card.

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 2022-05-13
Company: SYNCHRONY FINANCIAL
State: TN
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:
Hard Inquiry details XXXX XXXX XXXXXXXX XXXX Bank ) XXXX XXXX, XXXX SYNCB/XXXX XXXX Bank XXXX XXXX XXXX, XXXXXXXX SYNCB/AMAZON ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXXXXXX XXXX  ( Bank XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX SYNCHRONY FINANCIAL ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX I did not Authorized of those hard inquiry Please Remove. I Appreciate your time.

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 2021-11-16
Company: JPMORGAN CHASE & CO.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/22 I left a deposit with a furniture company in XXXX I filed a dispute when I had not received the items and the merchant was asking me to pay the balance in cash. Instead of siding with me the customer, they sided with the merchant who still has not delivered the goods. So now the merchant can sell the items and make more money off them. I am stuck left to pay {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is reporting an incorrect balance on one of my accounts. I sent them a dispute letter on XXXX/XXXX/XXXX including proof consisting of a notarized AFFIDAVIT OF DEBT signed by an employee of the creditor. Equifax did not respond to my dispute. On XXXX/XXXX/XXXX, 50 days after I sent the first letter I sent Equifax a 2nd letter notifying them that the 30 day time limit for responding to my dispute was up and that they were now required to delete the account in question. On XXXX/XXXX/XXXX I received their response saying that they have updated the account. They still listed the incorrect balance, but more importantly, their response was too late - it was dated XXXX/XXXX/XXXX which is 68 days after I mailed my initial dispute. The FCRA section 611 ( a ) ( 1 ) ( A ) clearly allows only 30 days for their response. They must DELETE the account. They have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I am trying to dispute this charge with XXXX. The account had my name on it, but I had no access to it. My mother used this account and I do n't feel it should be on my credit report because I never used the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The primary creditor of this account has never contacted me in regard to taken further action to collect payment. In my defense payments has been auto scheduled to a min payment deducted every month from my account, but creditor decided to close my account without any notice and send me to collection instead of contacting me directly through all sorts of updated information on my account to settle this issue. I was wrongly sent to collection by this creditor and my balance is showing {$150.00} higher than what really is in facts.

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 2020-06-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am not able to lift my Equifax security freeze. I can not log into my online account. Whenever I try, I receive a message saying that I have to call Equifax. I have tried resetting my password with the same result. 

It is not possible to call Equifax. I have tried many, many times. After answering all the personal identity questions, I am required to answer four questions about items on my credit report. The questions sometimes span over a decade. I am not sure of all of the answers. Does anyone know for sure what store they bought something from eight years ago? I can not look up the answers because it is impossible for me to get my credit report from Equifax. 

Six months ago I finally wrote to Equifax. They requested me to mail them photocopies of certain IDs and I did so. As a result they lifted my credit freeze for three weeks. This was useless to me as I did not need it lifted for that period. They did not fix my log-in problem. The phone number they gave me to call if I had any questions resulted in the same problem I described above. So writing to them was also useless. 

I can not log into my Equifax account. I can not contact Equifax by phone. When I contacted them by letter, they did not fix the problem. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Sovereign Lending Group, Incorporated
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Called sovereign mortgage company. They did a hard credit report without my XXXX. I was just asking about rates and closing costs. Talked to XXXX XXXX and XXXX XXXX. They were supposed to send a transcript of the cal 2 weeks ago. We have called back 5 times with no return call. We want the hard credit strike removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
After numerous filings they continue to reage the information using the latest date even though the transactions occurred in 2009 or much earlier. This gives the wrong impression to someone reviewing the credit report. These are disputed because they have been incorrect for sometime even after spending over a year to correct the reports. Now I realize you have no power as an agency to do much and they can totally ignore you but in my opinion this is deceptive. IF the information was finalized years ago it should reflect the correct date NOT a current date. This is across the board with all reporting agencies. Also XXXX had the wrong personal information on my wife 's report. How are we to expect any correct reporting when we have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: CITIBANK, N.A.
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:
At the end of XXXX of 2020, I received a notice from a website I use called XXXX that a new account had been opened in my name. It was a Best Buy account, which immediately I knew to be fraudulent, as I have not set foot in one for over 2 years. I immediately contacted the credit company to let them know about the fraudulent account, and did what I could to freeze my credit report to prevent further fraud. I was not informed that I would also need to file a police report and notice with the FTC about the stolen identity, and as this was my first time, I was completely unaware of how to do so. Once I took that action, I waited to hear back. The Citibank and Best Buy people reviewed my account and decided I was lying, so they reopened the account. I then contacted XXXX   and XXXX  to get them to remove the account from my credit report as it was fraudulent. XXXX  did it no problem. XXXX   refused to do so and continues to refuse to do so, and also refused to provide any insight as to what I can do to fix this fraudulent account on my report as they think I'm lying.

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 2020-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Yesterday my wife tried twice to use our Captial One Visa card to pay for a renewal of the XXXX XXXX for one year, but Capital One declined the charge twice. The charge was {$610.00}, and we had {$9800.00} in availability under the card. My wife proceeded to use a Visa card issued by another bank without any trouble. 
I didn't know all this until I received an email shortly thereafter from Capital One : " We recently detected suspicious activity on your account. To protect you, we've restricted your account from making any transaction. '' " Call us ASAP. '' I did call Capital One ASAP but was told by a recorded message that no human being could help for more than ten minutes. About twenty minutes later a representative, who was courteous and professional, called me back. I want this complaint to reflect favorably on him. 
But he had no explanation as to why a XXXX XXXX subscription was " suspicious, '' Anyway, to get the hold removed on my account I had to give the last four digits of my social security number ; my date of birth ; my email address ( which Capital One had just used ) and THEN, I was required to give a " one-time consent '' to Capital One 's texting me with an authorization code. 
I believe the foregoing facts reflect a violation by Capital One of the TCPA and its cardholder agreement, as well, of course, fair customer-facing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Chase gave my finance and I a " pre-approval '' for a mortgage back in XXXX 2016 ( they ran our credit on XXXX XXXX, 2016. They introduced us to our loan processor las week and they told us today that we were declined based on credit bureau information. Information that I had shown them was reported in error no less. Now we may lose our house and {$17000.00} down payment because they led us to believe that we were approved. It is just not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-09
Company: MONEY SOURCE, INC., THE
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of 2020 I was awarded a loan modification which was to start XX/XX/2020. I made XXXX XXXX   payment as well as XXXX payment on time but when it came to the final payment in XXXX I was notified that I was put on a loan forbearance program. I initially wanted to do a forbarence due to my wife hours being reduced at work because of the coronavirus. After seeing her hours weren't being cut as dramatically as she was told they would i opted out of the forbearance and made the scheduled payments. The mortgage company has informed me that even though our modification payments were accepted and processed they will not complete our modification and furthermore they will not remove the forbearance program from my loan. They stated that once the forbearance has run its course there XXXX be options available. Fast forward to XX/XX/2020 I receive a call from the money source again requesting to bring the mortgage current even though on XX/XX/XXXX we were told they couldn't accept our payments because we were on a forbearance. This phone call was to inform me that we weren't on the forbearance as of XX/XX/2020 and that they would like for us to reapply for either a modification or a forbearance. I was also informed that they would continue to call weekly for wellness checks they call it to see what we would like to do about staying in our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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