BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-14
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received my end of the year statement showing my escrow was overpaid by XXXX because my taxes went down and a check would be sent to me. I called to verify and a rep told me i would receive a check.i called back to check on and they told me i wouldnt get it even though i was caught up on my mortgage. I did a modification where i have to pay XXXX after my loan is paid off which is what covered the modification and made me current. They cant tell me where the XXXX went to.

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 2017-04-30
Company: EQUIFAX, INC.
State: MD
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:
Last year, I was informed that I attempted to apply for an  XXXX  credit card, which is totally false. While I do have an  XXXX  online account, I have never applied or attempted to apply for a credit card either directly or indirectly with  XXXX . All of my  XXXX  purchases are routinely paid using my debit cards, which is why I suspect my identify was used fraudulently to apply for a credit card with  XXXX    XXXX   USA. I learned of the attempt and subsequently decline of the application after I received a letter of explanation from credit bureaus. I have since disputed this inaccurate information with the credit bureaus, but was denied relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are XXXX XXXX XXXX XXXX ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2016-09-03
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony bank closed a credit card, I paid off because they did a financial review and I had a different card with them that I was 1 payment past due on, because I had a reduction is work hours, which I had scheduled the payment and it was pending. This account the closed was paid in FULL, had nothing to do with the other card or the payments with the other card. This is udder BULL. They charge you two payments and up your scheduled monthly payment if you are 1 payment past due. If you owe them XXXX past due payment and the new payment XXXX, which i not considered past due, They charge you a total payment due of not XXXX but of XXXX, then report on your credit you are two payments past due, when you are only 1 payment past due. How is this allowed. Okay so they charge you XXXX past due, they go ahead and up you next scheduled payment to XXXX instead of XXXX. They change the terms of your credit. I am sorry this should be illegal and they should not be allowed to do this. This is why all of sudden someone who had a great credit score is now a poor score. You bank of paying XXXX communicate to them, they still call you 50 times a day, no joke. In one day they called me 35 times, each time I had to tell them I have schedule the payment, however they claim you have not scheduled the payment or communicated to them. " LIARS ''. You have to continue to repeat to them, I am late due to loss of income. Seriously someone who pays their bills and has a record of doing so does not just ignore their obligations. I feel like this bank should be investigated for fraud and a class action LAW SUIT should be filed against them and I would like them to be fined for what they have done to folks. I ca n't wait to pay them the other XXXX on the other card and I will close the account. I will send them the CARD in a XXXX tiny pieces. They are ruthless. I understand the late fee, but to double the payment and close account which has nothing to do with the one I am past due on, ILLEGAL!!!!!!!.

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 2017-02-15
Company: NATIONWIDE EQUITIES CORP
State: PA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Application, originator, mortgage broker

Complaint:
Nationwide Equities based out of NJ have been false advertising on Reverse mortgages. Nationwide has been sending homeowners solicitation through the mail to look like its a check and it says you have been approved for x amount of dollars. These are all homeowners that already have a reverse mortgage. I have had several clients of mine when I worked for Nationwide Equities that have read to me over the telephone what the check says of the solicitation. Most of all the mailers are coming out of XXXX XXXX office in XXXX Md. They print all the letters from that location. I have a list of about XXXX names that they have sent mailers too. I reported this along with another situation I came across when I was working at Nationwide Equities which XXXX and the FBI are working with me and my attorneys in NJ. Here is my incident number when I reported to the CFPB back on XXXX XXXX but got no response. I also have some information on kickbacks that certain employess are getting from using one title company who they forced me to use when I was employed by Nationwide Equities. My incident number is XXXX. My name is XXXX XXXX and my phone number is XXXX. My next call is going to be to XXXX XXXX at XXXX or XXXX XXXX XXXX. They have mailed out over XXXX false advertising fake checks for the last 14 months and are continuing to do this fraudulent activity still today on XXXX/XXXX/2017.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My Credit last year was XXXX until late 2019. At that times, I saw my score drop below XXXX. It was all due to a Old Navy Card Visa that I never even activated. I made one purchase on-line with the card, and paid it off in full. In case I missed any balance, I put it on auto-pay. Apparently there was some kind of {$12.00} charge after I paid off the purchase I made. I did not open bills or emails from Old Navy because I had not shopped there and it was on Auto Pay. I finally realized there was a {$12.00} charge ( not from purchases ) that had become delinquent when my credit score went down. I talked to a representative at length and explained it. My bank info was in the system, so there was no explanation why auto-pay did not pay it. I spoke with representatives several times to explain the situation, and demanded that the error be corrected on my credit report. I was assured that it would be. Now, here we are into XXXX, and this credit card account is still reporting delinquencies for XXXX and XX/XX/2019, and my scores are still below XXXX to no fault of my own. This mistake is the only blemish on my credit report in nearly 20 years of perfect credit history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29
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: Was not notified of investigation status or results

Complaint:
There 's a few reaons for this complaint : # 1 I have not received dispute results or any response in over 60 days - that is 2 full rounds of disputes that have gone unanswered which means that they are in violation of the FCRA and every single one of these accounts must be deleted. 

# 2 I have listed very specific dispute reasons such as all 3 bureaus reporting different balances and all 3 of them come back and state that it 's been verified. How can that be verified when each of the bureaus  reports different info? 

# 3 no notice of dispute was entered on any of these accounts and it 's required to be on there pursuant to section 623 or the creditor can not report the account! They had 30 days from the date my 1st dispute was received. All of these accounts must be deleted and I am uploading my credit report to prove that these accounts do not have that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
My loan was sold to a private collections company called Transworld. They called and threatened my husband with garnishment of his wages if it was not paid. The loan was made before we were married and therefore it is illegal for them to have done so. When they called him back they denied ever having done so though the call was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: MD
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:
According to the Fair Act Credit Equifax is violating my rights. I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. On XX/XX/XXXX they send me letter page 3 of 6 ; saying it was verified through XXXX and I resent the letter showing that they could not verify. Please review paperwork attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Harpeth Financial Services, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
Due to COVID I have been furloughed since XX/XX/2020. I have been in constant communication with 24/7 Advance Financial and revoked all auto pays. This company has taken money out of my account on two separate occasions that I did not authorize and I now can not pay my rent nor feed my children. 
XX/XX/2020 POS Debit - Visa Check Card XXXX - ADVFINANCIAL XXXX TN POS - {$190.00} ( Unauthorized ) POS Debit - XXXX Check Card XXXX - AdvFinancial XXXX TNUS POS - {$360.00} ( Unauthorized )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Lates were reported on my credit report for XXXX XXXX. The lates were XX/XX/XXXX-XX/XX/2010

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 2022-05-16
Company: Experian Information Solutions 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:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file.. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are ( XXXX XXXX XXXX  ) and XXXX. I am a victim of identity theft and did not make the charge.I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. The items are listed below with the account numbers. I have contacted all three bureaus multiple times by phone, mail and by filing numerous complaints. Please remove the following items from my file. 

Account name : XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$0.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account date reported : XXXX XXXX Balance : {$1200.00}

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 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2016-09-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The XXXX XXXX Account # XXXX needs to be removed from my Experian credit report. I have provided Experian with a letter from XXXX XXXX stating that my account has not been 30 days late. Please have this deleted on my 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 2022-05-16
Company: Cedars Business Services, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call in XXXX from a company saying they were contacting me to collect on a loan for a bank overseas located in the XXXX. I have not heard from this bank in over XXXX XXXX and they need to contact me so I can see what the issue was. I explained that when I left XXXX XXXX ago, my company said they would settle my debt with my remaining pay check. The gentleman then started to get rude and stated that if I did not pay him he would ensure that he would watch my credit and if I applied for any loans he would ensure he would report this and make it difficult for me to get the loans. Again, this was a loan from over XXXX XXXX ago and I have not heard from the original creditor since I left the country. 

Again, over the last XXXX they let the interest build up before contacting me. The collection agency is Cedar Business Services and the original loan was through XXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: AZ
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:
I've send numerus letters to each credit burial and they keep telling me the same things over and over again. I've asked for my credit report and for them to change my address and name, there still reporting incorrect information. I've also sent them letters on unauthorize inquires that have been made to my credit. I'm really having a difficult time on obtaining credit. I'm in need of a vehicle and now I cant get one due to many incorrect inquires that have been made on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I currently have an open complaint with the BBB regarding my debt owed to my Amazon.com store card which is through synchrony bank. My original complaint was that I was receiving five calls a day for debt I do n't deny owing. Five phone calls a day is outrageous. They charge me late fees and interest ... the consistent calls on top of it is ridiculous. 

At that point my complaint was referring to about three days worth of calls. However I continued to receive five calls a day for at least a week, a few emails, a text message indicating payment due AND a letter in the mail. 



I received response from synchrony bank on the XXXX website this morning. Indicating they wo n't refund but that they 'll no longer contact me on my accounts with them. However they listed all the other accounts I have ( with other stores like Amazon.com ) which is posted publicly on the XXXX website. A disclaimer the website reiterates prior to posting on their website. My initial complaint was regarding XXXX account that is in fact past due. The others listed are not ... which gives the reader whomever that may be reading, ( such as a potential an employer looking to hire me, a family member etc ) insinuation I 'm past due on multiple debts. I not only consider their debt collection practices harassment, but now I believe they were being passive aggressive in response to my complaint and violated my right to privacy. 

They also claim no contact was made on the occasions I claimed. I have record in my call history of all calls made. They even mention a few messages were left there was only XXXX. They say because I have multiple accounts with them that basically I could be receiving phone calls separately for each one. Which is false, the phone number is linked to Amazon and the voicemail left is referring to Amazon. 

I want full refund at this point ... their response is inappropriate and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
Alerted by XXXX that Barclaycard reduced my line of credit. Contacted creditor over the phone. Informed that there decision was not based on my credit history payment or my ability to pay. They informed me that I had been using my other credit cards and asked why. I informed them that we have been fixing the house up as it is for sale and we have an offer on our home. Hoping to close escrow in the next 45 days. My income is more than enough to carry their payment as well as the other debt I have. Income to debt ratio is within guidelines. Pointed out that I have always paid them on time as well as paid off entire high balance several times within the last 2 years. 

They still were firm as said its not the perfect payment history I carry with them, or my fico, or my ability to pay. I mentioned to them, that reducing my line of credit will trickle a series of events with the other creditors which will affect my fico score. It is not fair to reduce my credit line when there is NO merited. This of course has caused me to be at the edge now of my balance with Barclay Bank of Delaware and the limit of my credit. Which is another factor impacting my fico. If this is not resolved, I have informed the creditor that I will be closing my account due to unfair credit practice. I should n't be punished for using my other credit cards which I have been paying all of them on 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 explanation
Consumer complaint received 2017-08-15
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: Account status incorrect

Complaint:
Equifax responded that adverse information remained for seven years from last activity. They are not using the correct dates for last activity on the following : XXXX/XXXX Account XXXX activity XX/XX/XXXX per their records. XXXX Account XXXX-last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXX. XXXX Account XXXX -- last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXXand note duplicate account as double reporting. XXXX XXXX-Account XXXX-last activity was XX/XX/XXXX per their records. No activity occurred after that date.

Company response to consumer: Closed with explanation