BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-11
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: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX they refused to remove these accounts because the are old and they been on my report since XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-17
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
To : Who

m It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$600.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I   am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX   XXXX, XXXX with a credit limit of {$600.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$610.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$610.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This PENTAGON FCU XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


PENTAGON FCU 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 2017-09-05
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have wrote CSA about a debt that I was seen on my credit profile. I finally reached out to the company and asked them to validate/verify this debt. They have yet to verify it. They are in violation of my consumer rights. I have asked them to send me copies of any signed document stating that I have made any kind of agreement with this company ( CSA ) stating that I agree to pay CSA. They have not sent me a contract or binding agreement that shows my original signature and they are required to do according to FCRA. Not to mention this is addressed at an address that I DO NOT reside at and never have and not to mention they have a contact number that has never been assigned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out a student loan in XXXX for {$9000.00} and graduated in XXXX although I was short a 3-credit course that my advisor did not tell me about until a month before this graduation. The university was aware of this error, I was allowed to graduate but was not awarded my degree. I began working and decided to go back to school in the near future to complete my degree. Going back to school turned into a hardship because I did not have the extra money for my class. My student loan was placed on a forbearance plan, my co-signer helped me make payments while I was employed part-time temporary and unable to make the designated payments. After years of paying interest payments my student loan debt grew into a massive {$13000.00} with a 10.25 Variable interest rate! I started full-time employment in XXXX of XXXX, I called Navient requesting to refinance the loan and to release the co-signer. Navient told me that they would NOT release the co-signer until I completed my degree and made 12 consecutive on time payments. My complaints : Not being allowed to release my co-signer and not being offered an income driven repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: WELLS FARGO & COMPANY
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:
The credit reported derogatory info and shows inaccuracies. The true date of delinquency/Charge-Off started XX/XX/XXXX. New Jersey Law, statute of limitations of six years on all types of loans, including those from written contracts and credit cards. If a consumer 's debt is more than six years overdue, the lender can no longer take action in order to collect the debt. Schedule deletion date indicates XX/XX/XXXX. Correct date of deletion date was 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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed various items on my XXXX, Transunion, and XXXX  credit report. These companies keep sending letters telling me the account were verified. 
I have sent more letters asking them to provide proof under my right to request proof but they have ignored my request and the information remains on all of my credit files.

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 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX - partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) I called XXXX XXXX XXXX  and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my 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 explanation
Consumer complaint received 2022-01-28
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This WELLS FARGO XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

WELLS FARGO 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 2017-09-05
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I went into a branch on X/XX/17 and made a CASH payment with a teller. My payment processed on X/XX/17, however my available credit has not changed. According to the representative and then supervisor I spoke with this morning, they are still verifying my payment. They said it is still pending and the hold will drop tomorrow, unless they contact someone at the branch and verify. I waited for them to call, but nobody at the branch answered the phone. 
They take 9 days to verify cash transactions? They also did the same thing when I made a deposit through the atm into my checking account. I had to call and wait, and then go through verification that a deposit of CASH was made. 
They are sitting and holding peoples money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, name on file, addresses, nor did I authorize these companies to pull my credit.

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 2020-02-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Synchrony Bank XXXX : To whom it may concern, I have been through a horrific experience with Lowes/Synchrony during the past 10 years dealing with this flooring installation matter that happened in XXXX and thought it was resolved, but here we go again, it is still biting me in the butt as it shows unresolved. Here is what happened as a quick overview : Purchase new flooring/installation from Lowes in  XXXX They offered me interest free financing It took them an additional 4 months to install after breaking toilets and having issue with product They extended my interest period and offered discount to remedy Interest Hit!!!! 
Went to Lowes, they just switched banks to Syncrony, said they would fix it would take a few weeks After multiple visits and phone calls to them, I actually witnessed them acknowledging to Syncrony bank of their mistake. Synchrony/Lowes says it would be fixed fast forward Still not fixed Bounced around multiple execs/higher ups/ said they would look into nothing I pay all my bills, at this point, it was just the principle of being screwed over Nothing happened, wasnt fixed Fast forward to XXXX Buying home They recommended me paying minimum payment toward account as it was showing negative impact on credit until i got house Tried to resolve again after buying house last attempt.. Talked to managers reps you name it, NO Resolution promises, but nothing. 

It still shows up as I did not pay. I paid in full and god knows how much over what I was actually supposed to pay. I want to get this resolved as it is reporting completely false once and for all.

I am even willing to pay {$250.00} out of my own pocket to remedy this situation as a worst case scenario. Please show me that you care and remedy this situation asap. 

Best, Lowes-XXXX This is the letter that I was told to mail. I sent 2 followed up with emails and phone calls. I was hung up on twice and they would not let me speak to anyone in a management position that would have the ability to help. I've also disputed this through a third party credit specialist company 3 years ago and 3 times in the past 2 months with XXXX  & XXXX XXXX. During that time, they actually hit my credit report with an unauthorized 30 day late payment that dramatically affected my credit report by -40 pts. They did resolve that after an email & additional dispute, but still had a detrimental effect on my credit report.

This judgement is placed purely in principal and it will not waiver. As you see my credit report it shows approximately 45 accounts in superior standing and only 1 that has been serving me unlawful injustice for the past 10 years. 

Please 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 monetary relief
Consumer complaint received 2020-11-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
During the Covid Pandemci, Synchrony Bank is the only lender to do this or even attempt. Every creditor I have besides them has reached out to see if I was ok or needed help. 

Synchrony Bank decided to " randomly '' check my credit score TWICE within a 5 month period ( once in XX/XX/2020 once in XX/XX/2020 ) Each time they lowered my limit claiming that because I don't have real estate and that my score dropped they had to. 

What they are refusing to understand is that their claims are incorrect. My score has actually increased, despite them lowering my limit and damaging my score! In fact I was just able to ADD {$1000.00} to my XXXX card. 

This is completely uncalled for and they are personally responsible for my credit not getting to where it should be! 

I also asked for a copy of their privacy policy and never received one

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 2023-04-11
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There was a charge for XXXX XXXX for XXXX that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Feldman & Stern, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being told that I owe a debt of slightly over {$200.00} for services not rendered by XXXX XXXX. When I call the owner of the local company ( XXXX ) he was unable to give me any records of me owing debt and did not have the paperwork of me closing the account, as he did not get them from the previous owner. I signed up for a 1 year membership and on the 11th month I notified them I would not be renewing. This was with an old owner that apparently did not keep records. I noticed that I was still being charged in XXXX of 2020, contacted them that this was incorrect and they ( XXXX XXXX ) told me to issue a chargeback through my bank, which I did. There is a new owner of XXXX XXXX and I called him to see why I was in collections, he said it was out of his hands and there was nothing he could do about it? But he also had no paperwork for me at all? So I called the collections company - Feldman and Stern and told them I would not be discussing any debt until I received a Validation Notice which they said they did not need to do and I was hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: EQUIFAX, INC.
State: AR
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 the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. USDEPED XXXX {$40000.00} XXXX XXXX {$65000.00} XXXX XXXX {$3500.00} XXXX XXXX {$700.00} XXXX   XXXX {$5000.00} XXXX   XXXX {$5500.00} XXXX XXXX {$790.00} XXXX XXXX {$390.00} XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX XXXX {$5200.00} DEPTEDXXXX   XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX {$2700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Monarch Recovery Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Getting phone calls from Monarch Recovery everyday. Ask them to remove and no longer call. This is not my debt. They call for a person that did not live here. We have been in our house since 2005. They keep calling. They say they will remove our number, but never do. 

( from number 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 2016-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital One is reporting an inquiry on my credit reports and I never applied for anything with this organization. I am asking for the fraudulent inquiries to be deleted. They were discovered when I saw on XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-06
Company: TD BANK US HOLDING COMPANY
State: AE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My husband and I are XXXX and we recently had an issue with our mortgage payment. While we had been overpaying our mortgage for the last 2 years, a change in the monthly escrow payment in XX/XX/XXXX resulted in an underpayment situation. While we were paying our mortgage payment each month, we were slightly off ( XXXX-XXXX USD ), and as a result our credit report now reflects two 30 day late payments. To be clear, we sent our mortgage payment each month, but because it was not the right amount TD Bank marked us as late until they received the next month 's payment to apply the additional {$20.00} needed. TD Bank sent notifications of the change in escrow, not to the right address. From talking to two separate TD Bank reps I understand in our account notes it shows a long history of returned mail since XX/XX/2016. Despite this mail being returned TD Bank did not call our telephone numbers on file or email us. Since initiating the dispute I looked at my account online and found I HAD updated our address online, but TD Bank required I send this request in formal writing. I did not see that request in my online account message board. 

In the attached paperwork you will see we requested TD Bank remove the two 30 day late records- based on the mail issue, the fact we were sending in payments on time, just the wrong amount, and our history of timely payments that were in fact over-payments, vice under. We also attached XXXX ( like XXXX ) explaining we are XXXX, which helps to explain why we were n't getting the mail. This is an important issue to us, as our credit scores had been XXXX, and now they have dropped significantly. 

Depite all this paper work TD Bank refused to remove the two 30 day late notices. I believe they should remove these notices as : we had updated our address online, but their system did not reflect same ; we had a positive overpayment history with this mortgage ; and TD Bank made NO EFFORT to contact us via the valid telephone numbers and email addresses online, dispite getting all correspondence returned to them. 
We appreciate your attention in this matter. Please advise if you need any other information from me. Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-15
Company: GREAT LAKES
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I need late payment status removed from all three credit bureaus due to my student loan status being in deferred.

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