BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-30
Company: SYNCHRONY FINANCIAL
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:
By XXXX XXXX I called Syncrony Bank about fraudulent inquiries that XXXX is refusing to remove from my credit report. I have 3 valid accounts with Syncrony Bank PayPal Credit, American Eagle Credit Card and Old Navy Credit Card, those accounts were open by me and arent related to the inquiries that I am disputing. The agent from Syncrony Bank account protection informed me that inquiries will be removed from all credit bureaus within 30 days but those inquiries still showing in my credit reports. 
Inquiries that needs to be removed : SYNCB/VERIZON ( Bank ) - XX/XX/XXXX SYNCB/SAM - XX/XX/XXXX SYNCHRONY BANK ( Bank ) - XX/XX/XXXX SYNCB/AMAZON ( Bank ) - XX/XX/XXXX SYNCB/SAM & # XXXX ; XXXX XXXX  - XX/XX/XXXX SYNCB/PAYPAL ( Bank ) - XX/XX/XXXX SYNCB/AMAZON ( Bank ) - XX/XX/XXXX SYNCB/AMERICAN EAGLE - XXXX XXXX, XXXX SYNCB/VERIZON ( Bank ) - XX/XX/XXXX SYNCHRONY FINANCIAL - XX/XX/XXXX SYNCB - XX/XX/XXXX SYNCB/TJX CO DUAL CARD - XX/XX/XXXX SYNCB/PAYPAL- XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-28
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
TD Bank In less than 2 months, most of it in just 1 month, more than {$500.00} were taken in fees from an account that never even had a balance as high as {$500.00}. 

This has to be too much. They are basically robbing me at this point. 

From late XX/XX/XXXX to current.. last attempt at escalation to highest XXXX XX/XX/XXXX. 

I spoke to XXXX XXXX then a rep at a branch.. then XXXX at Branch where my Account now is located at a town in NJ I can later specify. 

They insist inability to change policy.. while I understand that a few times I dropped below XXXX and on those occasions apparently a few things hit same time.. this can not be a proper rationalisation for continuing to take most of my money, especially considering I am out of work. 

I hope there is some check on this behaviour.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am working with Freedom Mortgage ( Corp NMLS # XXXX ) on a refinance which started last month XX/XX/2019, and was supposed to close XX/XX/2019. Today is XX/XX/2019 and we have not closed. 

Freedom Mortgage will not respond to my requests as to why the loan hasnt closed. They have claimed that the loan is in condo review, but my commercial insurance company that insures the HOA ( that I own ) has sent them all of the disclosures, policy info, and questionnaires they have requested. I have also sent them all of my private home owners insurance info. 

It appears they have just decided they dont want to close the loan and are discriminating against me. I am not sure why as they wont indicate anything to me and will not return my requests for a status update. 

The rate lock we have is going to expire and I am not sure if I need to make my payment this month. 

I have No indication of the status and whether they Intend to close the loan or not. They wont communicate what is happening.

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 2022-02-19
Company: LEXISNEXIS
State: MI
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 submitted several disputes and even reached out to the CEO of XXXX XXXX XXXX regarding 2 accounts listed on my credit report. I was a victim of identity theft, filed a ftc identity theft report and faxed it to XXXX only ro be told the ftc report is invalid. XXXX refuses to tell me how the ftc report is invalid and refuses to remive the 2 accounts. I have sought legal help but also need these accounts remived because they are ruining my life and credit file. XXXX also are reporting the incorrect court for these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX, Nissan-Infiniti LT contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, Nissan-Infiniti LT again contacted me via a letter. They stated the lease terms can not be altered for me. IFS must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted Nissan-Infiniti LT via a letter. This letter discussed the reasons for my hardship. I was arrested and taken to jail for resisting arrest. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint against Ditech Finamcial L.L.C. I had a home fire on XX/XX/XXXX that caused major damage to mobile home forcing me and my family to have to relocate.While waiting for insurance claims and adjustments to be completed. I managed to make a payment on XX/XX/XXXX but not living in home. Insurance agent determined that it was est. of {$25000.00} worth of repair. On XX/XX/XXXX i received a letter of default from ditech and i was also informed to send checks from insurance claim. and have home repaid. Then in return they would issue me a refund after home was repaired. Due to my situation I could not afford my monthly payments at mobile home and have it repaired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Statebridge Company
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: Account status incorrect

Complaint:
I was on a settlement agreement with XXXX XXXX and they sold my loan to STATEBRIDGE COMPANY , LLC ON XX/XX/2019. I had only 3 more payments to make and as of XX/XX/XXXX I sent all my payments to them in fact I sent and extra payment. STATEBRIDGE refuses to honor my settlement agreement and I think that is unprofessional. I have made all my payments on time. if they really wanted too they could check with XXXX to see my payment history with them and resolve this issue. I feel that they don`t want to clear this matter up. I have had XXXX to dispute this matter twice with no resolution on my behalf. I have given STATEBRIDGE and XXXX a copy of my settlement agreement to show them that I was on a settlement agreement. As of yet I have not received a positive resolution on my behalf. They are still putting a negative comment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Experian Information Solutions Inc.
State: MI
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:
This account still shows on my credit report with an incorrect balance. The collection agency was supposed to have the account deleted from my credit file after paying the settlement amount. It has not and was recently disputed XX/XX/2022 and remained as verified which is incorrect.

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 2020-04-21
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold and servicing is through Faye servicing. I have repeatedly tried contacting to lodge complaints regarding payment issues, insurance issues, lack of communication, etc. During the last week, I have contacted them to make payments but their customer service line goes unanswered and there is no link to pay online as I have made payments before. I have now received letter of demand and contacted again to make payment before default date of XX/XX/2020. I was told they can not take payment unless in full. I contacted again and my payment was accepted. How can I cute default if payment is refused?? They have sent various threatening letters involving no insurance which I have, not taking payments, etc. I have left messages and complaints within the company which ALL have gone unanswered. I have requested lender information which was refused to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: AMERICAN HONDA FINANCE CORP
State: OH
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:
on my credit report still shows repossession information desipite the account has been paid off and already closed XXXX XXXX,2011. I tried to call them ask them to send detail information to my loan officer. but they said they because files is closed, they ca n't. my loan officer still needs detail information and i d like to see it remove from my credit report or at least show it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Convergent Resources, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A collection account in the amount of {$690.00} from XXXX XXXX XXXX   appeared in my credit report on XX/XX/2017. Since this is not my debt, its source has links to the XXXX credit breach of XX/XX/2017. The credit breach has compromised all of my personal information within the credit files of XXXX, XXXX, and XXXX that now show collections for accounts with businesses with which I do not transact business. 

I am hesitant to engage with XXXX XXXX XXXX XXXX because of its unfavorable customer service and dispute resolution practices well documented within the XXXX XXXX XXXX. According to the XXXX XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX has 64 negative reviews out of a total 67, many of which pertain to business practices that run afoul of the Fair Debt Collections Practices Act and the Fair Credit Reporting Act.

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 2022-02-19
Company: Grain Technology, 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: Problem with personal statement of dispute

Complaint:
I OPENED A GRAIN CREDIT ACCOUNT BACK IN XXXX OF XXXX AND HAD VERY GOOD CONSISTENT PAYMENT HISTORY UP UNTIL XXXX AND  XXXX XXXX  XXXX ( NOT MY FAULT AT ALL ) THE COMPANIES SYSTEM ( XXXX  ) ALWAYSHAS PROBLEMS WITH DISCONNECTING CUSTOMERS BANK ACCOUNTS, SO UNBEKNOWST TO ME MY ACCOUNT HAD BEEN DISCONNECTED ATLEAST 3 TIMES IN WHICH I WOULD ALWAYS TRY TO CONNECT THE ACCOUNT AND HAVE EVEN GONE AS FAR AS TRYING TO CALL THE COMPANIES CUSTOMER SERVICE LINE, NO ONE EVER ANSWERS THE PHONE ( ( XXXX ) XXXX ) SO I TRIED EMAILING THE COMAPANY AND WAS FINALLY ABLE TO SPEAK WITH A LADY NAMED XXXX ( HER EMAIL IS : XXXXXXXX XXXX XXXX ) I SPOKE WITH HER ON XX/XX/XXXX AND STATED MY CASE AND AFTER OUR COMMUNICATION SHE STATED THAT SHE WOULD RECTIFY MY ACCOUNT BY CREDITING THE ACCOUNT BECAUSE I LET HER KNOW THAT THE LATE PAYMENTS WERE NOT MY FAULT! WELL TO THIS DAY THE LATE PAYMENTS ARE STILL REPORTING ON MY CREDIT IN WHICH OUTSIDE OF THIS CASE I HAVE A PERFECT PAYMENT HISTORY AND NO COLLECTIONS, I HAVE DISPUTED THIS ACCOUNT ON NUMEROUS OCCASIONS AND GRAIN WILL NOT RESPOND TO ANY OF MY DISPUTES NOR HAVE THEY SENT ANY PHYSICAL DOCUMENTS VIA THE MAIL. I AM VERY DISSAPOINTED AND IM SURE THIS IS A VIOLATION OF MY RIGHTS. PLEASE HELP FIX THIS ISSUE IVE SENT DISPUTES TO ALL 3 MAJOR CREDIT REPORTING AGENCIES AND TO GRAIN ON NUMEROUS OCCASIONS IN WHICH I ATTACHED DOCUMENTS BELOW AND HAVE YET TO RECEIVE ANY FORM OF COMMUNICATION WHATSOEVER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I originally went to the emergency room for a medical issue. I spoke to the admissions nurse and decided to go to my regular doctor for treatment however the emergency room charged me for treatment that was never administered. They can not verify the condition I had, the doctor who supposedly treated me nor the prognosis for the future, therefore it is impossible that they treated me as they claim or they would know these details because they would be in my patient records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX, XXXX XXXX contacted me, via a letter. The letter stated that they could not compete my request because I did not have the full account number. XX/XX/XXXX, XXXX XXXX again contacted me via a letter. They stated the lease terms can not be altered for me. XXXX must administer to the terms of the contact that were agreed to at inception. XX/XX/XXXX, I, XXXX XXXX XXXX contacted XXXX XXXX via a letter. This letter discussed the reasons for my hardship. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt. I had to pay for a criminal lawyer to get my case handled. Also, I was XXXX XXXX XXXX XXXX at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05
Company: Experian Information Solutions 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 was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$23000.00}

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 2022-06-15
Company: PNC Bank N.A.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PNC gave me a XXXX credit card and did not tell what itwas for or how to use it. 

I was told one day that my account was past due.

They then told me that a balance transfer was made with XXXX XXXX Bank. 

I knew this bank since it was with my XXXX credit card account. But contacts with XXXX they said no balance transfer was made. I reviewed the statements of XXXX and they do not show a transfer. I asked for an explanation and they could not give me one. 

The amount was XXXX and I know I did not have that much money in XXXX. 

We are seniors I am XXXX and my wife is XXXX and they keep pushing us around and not trying to answer our questions. Thus this effort. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I purchased monogrammed Robes and Flutes for our wedding a day XX/XX/XXXX but received them after the wedding and the agreed upon delivery date before the purchase was made. We were also missing a glass and one was broken. We ordered from some small online company called XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. They refused to give us our money back so we filed a dispute with Ally Bank. We waited the 60 days for them to review it, and they denied us our money back.. How could we lose this dispute? 
The merchant is refusing compensation because she shipped the package before the delivery date. We agreed upon a delivery date, not a shipping date. She shipped the Robes and Flutes on XX/XX/XXXX after my request to cancel the order if it would not be delivered before 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 explanation
Consumer complaint received 2021-01-29
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

I want this removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/2019 Me and my wife opened a mortgage account together. XXXX the loan servicer was originally reporting the loan twice on my personal credit report with Equifax. As XXXX and as XXXX, this was disputed due to the credit report showing two loans for the same mortgage, effecting my debt to income ratio. Which violated my rights as a consumer and the FCRA. This resulted in both loans being removed from my credit report. Now information that should be reporting is not reporting. XXXX should be reporting to my equifax credit report with the accurate loan information. Accurate information is now missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: Experian Information Solutions Inc.
State: TX
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 Account 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 an account without my written instructions

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 2021-07-25
Company: Eastern Account Systems of Connecticut, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I originally had a XXXX and had an account with XXXX XXXX XXXX. Eastern Account Systems, a collection agency, I assume, is reporting this account on my credit report. However, on XX/XX/2021, I called XXXX XXXX XXXX and was told that if the account could be paid online, it would be recalled from collection agency. I was able to pay the account in full through XXXX XXXX XXXX ' online system using my account number that same day. After I paid, I called them and told them that I paid the account with the original creditor and was told that they would delete the account on XX/XX/2021. Instead, they just updated the account to paid, as if I paid them. The account should have been recalled when I paid and deleted. I would like this account deleted from all three credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX still has my credit report im collections. This account has been paid in full and settled. I was told that this account would be removed from equifax report but it's still there. The amount of debt was {$270.00}

Company response to consumer: Closed with explanation