BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-10
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had Home Depot, and Best Buy cards both issued by Citibank CBNA. 
At the beginning of the Covid Pandemic, I received phone calls. 
I explained due to the pandemic I am unable to pay, and I also had a XXXX XXXX. 
While waiting for XXXX, and that I would pay in full once I received XXXX. 
They agreed, and put me on a deferred payment, all the while reporting me for non payment. 
When I received the XXXX, I paid both cards in full. 
Now that I looked at my credit score they got me with all kinds of late payments etc This destroyed my credit rating, and I would like both a letter of satisfaction from their debt collectors. 
I would also like to have that false reporting removed. 
Thank you.

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 2021-10-27
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have a current mortgage with Rocket Mortgage , LLC. I am refinancing with them also. I started the refinance procedure in XXXX of 2021. By beginning of XX/XX/2021, all paperwork was approved and closing date set for XX/XX/2021. An agent came to my home and all documents were signed on that day. The documents were uploaded to my portal. Apparently the loan did not close, so know I have two active loans with Rocket Mortgage. As of XX/XX/XXXX, I have been attempting to resolve for over two months. No one at the firm can tell me what is going on or how to resolve it. I have spent countless hours by phone calls, emails, website chat and email issue link.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-30
Company: EQUIFAX, 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 did not approve these XXXX or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
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: Information belongs to someone else

Complaint:
I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: TRANSUNION INTERMEDIATE 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 just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX  and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2022-03-30
Company: Experian Information Solutions 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 did not approve these XXXX or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: Syncapay, Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
XX/XX/2022 : I received a {$25.00} virtual XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and registered it to my prepaiddigitalsolutions.com account. At that time, the {$25.00} XXXXXXXX ( ending in XXXX ) was visible in my account. [ See XXXX XXXX email files ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com about identity verification that purported to be in response to a request from me. I made no such request. I logged into my prepaiddigitalsolutions.com account, and the {$25.00} XXXX was no longer visible in my account. I had not yet used the card for any purchases. [ See XXXX email file ] XX/XX/2022 : I called the customer service number ( XXXX ) to inquire. They told me that they were investigating some kind of fraud alert and that the investigation should be concluded XXXX business days, after which access to my VGC would be restored. 

XX/XX/2022 : After 12 business days, I still did not have access to the {$25.00} XXXX, so I contacted prepaiddigitalsolutions.com by email through their web site to request a status update. In return, I received a message saying that a customer support member would respond in 2 business days. [ See XXXX email file ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com asking me to either call customer service or reply by email to provide more detail. [ See first XXXX email file ] XX/XX/2022 : I also received a second email saying that they would contact me within 5 days if they needed more information. [ See second XXXX email file ] XX/XX/2022 : I received an email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). I provided these documents to prepaiddigitalsolutions.com through the upload link in their email. [ See XXXX email file ] XX/XX/2022 : I received another email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). Again, I provided these documents through the upload link in their email. [ See XXXX email file ] Since that time, they have not restored access to my {$25.00} VGC. I have not been able to use the card for any purchases, so the balance should still be {$25.00}. I have attempted to use it for a purchase multiple times and been declined each time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
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:
My credit card company refused to assist me with my merchant billing dispute that I filed back in  XXXX    XXXX   for not as described services by  XXXX  in the amount of $  XXXX  .I 've been giving the run around for the last three m onths, every time I 've called in I was giving different information by each agent despite all the wrong information I still provided all the information/ documentation requested including valid second opinion letter that supports my claim.Now I received a letter on  XXXX   XXXX  stating they ca n't help me with my dispute without providing explanation as to why. When I first contacted them I advised them that the merchant refused to take parts back. I advised the merchant I did n't want the parts and there available and ready to take. I feel my dispute was mishandled and would like it reconsidered. The last supervisor I spoke with was very rude and short.

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 2017-06-16
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: Their investigation did not fix an error on your report

Complaint:
A bankruptcy account number  XXXX  is reporting on my credit report. I went to the courthouse they have no record of my social security in their system. They also told me that information is not public record and they do n't report to the credit bureau. They said its an error with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: T.S. Holdings
State: CO
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:
THIS ACCOUNT HAS BEEN PAID IN FULL AND I HAVE A LETTER FROM THE CREDITOR STATING THAT THE ACCOUNT IS PAID TO A XXXX BALANCE AND THERE IS NO MORE RESPONSIBILTY OF ME TO THIS DEBT. I HAVE SENT THIS INFOMATION TO THE CREDIT BUREAUS, BUT THE ACCOUNT IS STILL REPORTING AN OPEN BALANCE. THE ACCOUNT SHOULD BE CLOSEED AND REMOVED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent XXXX, Equifax, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous XXXX, stress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX Bank of America account number XXXX XX/XX/2020 I am a Bank of Americas costumer and keep an account # XXXX where my son is cosigner. On XXXX XXXX my son received a text message by XXXX XXXX and this girl asked him make to her a favor because she was very busy. She asked to my son make a transfer for {$1000.00} to her friend, then she sent him a check for amount {$900.00} ( which I attached ) which my son deposited on our account and this amount ( {$900.00} ) had available in our account the next day XXXX XXXX. Once the money was available my son made two transfer for {$600.00} and {$400.00} through XXXX to following email : XXXX. Both transfers were deducted from the account the same day, but a few days later, that is on XX/XX/XXXX, the transfer of {$600.00} was returned to the account because there were not founds, however on XX/XX/XXXX when my son received his payment of his salary it was deducted from the account again without making any notice, when it was evident that this was suspicious activity On XXXX XXXX the check was return and my son text his friend and she apologized and sent to my son another check for {$2400.00} ( which I attached ) to cover the amount that was returned and asked that the remaining amount of {$1400.00} be sent to his friend as well. My son immediately deposited this check which was return as well after three days. I called to the bank to report the fraud and they said me that they can not do anything about this, I asked them to verify if the account which my son made the transfer is from a costumer of the Bank of America or another bank in the United States, they must do the investigations because the banking system of this country must not allow people to engaged in defrauding people keep bank accounts in this country, which happens for not doing the due diligence to his costumers On XX/XX/XXXX we have received a letter of Bank of America and they attached two checks return reason : Altered/fictitious I wonder what is the reason the bank at firs put de money available when was a fraud check and why they did not block the account. 
I respectfully go to you to carry out the pertinent investigations or procedures and establish the corresponding responsibilities. 
I attached to you copy of checks and my bank statement to show you what happened Thanks for your support Sincerely XXXX 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 2020-12-15
Company: Resurgent Capital Services L.P.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've reached out to this credit directly via mail on XX/XX/XXXX and they told me they would look into the matter and it would be resolved within 30 days and it still has not been resolved and is hurting my credit score. According to the fair credit reporting act they have not supplied proof under the doctrine of estoppel by silence XXXX v. XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hello i am filing a complaint once again regarding some inaccurate things on my credit report, please help me. i already contacted the companies involved by mail on XX/XX/2020. its been almost 2 months and no one has responded back to me. Section 611 ( a ), says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. These inaccurate accounts are hurting my chances of being approved for a mortgage, which i am currently working on. please do not ignore my disputes again. thank you

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 2021-10-27
Company: EQUIFAX, INC.
State: PA
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:
To whom it XXXX concern, Equifax has not responded to my letter that I sent out to them WELL OVER XXXX days ago. Credit Reporting Agencies  have XXXX days by law to respond to letters as I am yet to receive a response from them. I've pointed out to them that they misrepresented my credit report. Showing accounts that don't belong to me and their reporting inaccurate information. I can't seem to get them to take me serious enough to not only report only 100 % accurate information on my credit report. But to also respond to my letters. My rights are indeed being violated. This is against the law and is totally unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am receiving automated robot phone calls from this company designed to harass to a voice mail that is not secure " anyone can hear my personal business. I called the company and instructed them to CEASE AND DESIST all phone calls, yet the harassment continues. At the beginning of the call a notice is given from Synchrony Bank that all calls are recorded so this constitutes a record of this specific notification from me to them. I have maintained a call log of each call after this notice which constitutes violations of the demand to cease and desist. I would be glad to provide it.   Calls are several times a day and are ALWAYS robotic.     As per FCRA I demand Synchrony Bank CEASE AND DESIST all telephone harassment of ANY KIND. This complaint to  the CFBP will serve as off icial intent to sue for mental anguish for each call following this notice.  <P/> Once  XXXX  treatment is completed " AS I STATED '' the debt will be settled. Synchrony Bank is a  XXXX  dollar company who can afford to wait for my recovery. Attempts to harass will be met with legal response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-16
Company: Pinnacle Credit Services, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received letter statin g that Pinnacle Credit Services ( letter is fro m  XXXX   XXXX   )  has purchased a referenced account from another creditor. The original creditor is listed as  XXXX   XXXX  Bank, then  XXXX   XXXX , then Pinnacle. The Account balance says {$2500.00} but we can settle for {$1200.00} within 45 days. This is not my account or I do n't know what they are talking abou t. Letter also states that since the debt is so old that they can not sue me or report me to a credit agency. Unless I notify them within 30 days to pay the debt it will they will obtain verification of the debt or obta in a copy of a judgement and mail me a copy. Still, no idea what they are talking about and have had no past dealings with   XXXX    XXXX  other than a recent credit card I have that has never been late. No past collections, no past contact about this issue. I looked online and found a lot of scam information from this company and phone number. When I tried to call  XXXX  I can not reach anyone at all and the message just repeats itself over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
An account was fraudulently created in my name, in Texas, on XX/XX/XXXX. I wasn't even in the country at the time, and I don't live in Texas anyway. The account is through Comenity Bank. I have tried to contact them directly, but their call center is offline, you can not get through to an agent. 
I added a fraud alert to my credit reports, and froze one ( working on the others ). The agent at XXXX also stated that they would be in contact with Comenity. 
Today I received a card in the mail for XXXX 's, which is also issued through Comenity. 
I think that there are serious problems at Comenity, that they are issuing cards like crazy for all stores that use them, without any subsequent credit checks. My credit reports only showed one credit check from Comenity, but now there are 2 accounts, and probably more coming, backed by this scam of a " bank ''. 
I am XXXX XXXX XXXX, this is incredibly stressful for me, my husband of XX/XX/XXXXyears just died in XXXX. Please help, report this to the FBI and whatever else you can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
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: Their investigation did not fix an error on your report

Complaint:
I disputed in XX/XX/XXXX accounts that are not mine and 2 others that I was never late on. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Phoenix Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is ridiculous I paid this not even knowing if it was a bill I owed because it was reported on my credit and it still reports as if I owe. I have disputed and it is still on there. Please help get this account removed Phoenix Financial # XXXX

Company response to consumer: Closed with explanation