BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-26
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sunrise Credit showed up on my credit report. The report states that I opened an account with them XX/XX/XXXX for a credit loan of {$1500.00}. The report also states that the account is derogatory. I have never heard or opened an account with Sunrise Credit. The account with Sunrise credit, among numerous others, is not mine. It is the result of identity theft.

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 2015-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my numerous requests to investigate, verify and remove the accounts from my credit report that were opened fraudulently.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Citi bank applied methods that can only be called fraudulent. They been riding me over a account opening for 2 w. 
The skinny is I don't have a account open after providing all they asked for. I believe they acted discriminatory and failed in there sop

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 2016-01-07
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My XXXX accounts with Barclaycard were closed on XXXX XXXX, 2015. I have been given next to no information on why, just vague statements like " due to terms and conditions '' or " bank policy ''. I have written a letter as instructed to request more information and received a very generic form-letter response with no additional information. I just spent over an hour on the phone with representatives and a supervisor and they were still unable to give me any indication as to why my account was closed. 

Since my account was closed, my XXXX points were forfeited, and even though I had valid charges eligible to be redeemed at the time the account was closed, they refused to allow me to redeem against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-16
Company: Shellpoint Partners, LLC
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: Investigation took more than 30 days

Complaint:
I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had a Walmart Credit card some years ago with Creditor SYNCB/Walmart. This account was closed a couple of years ago. They reported me living at an incorrect address of XXXX XXXX XXXX XXXX XXXX, NY XXXX and I have never lived in New York. When I googled this address, this is showing as the address to a company called 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 2017-01-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I have XXXX credit accounts with Synchrony Financial : Amazon Store Card and Banana Republic XXXX Visa. The address listed on both accounts has inexplicably changed to incorrect addresses and I am unable to correct/update via the website ( s ) or customer service. I was told by customer service that it had been corrected but no change ever appeared. The address listed for the Amazon Store Card is not my address, has never been my address and was never provided by me. The address listed for the Banana Republic XXXX Visa is undeliverable as it is only an apartment number with no street address and incorrect zip code. Aside from being unable to receive paper statements I see that Synchrony has now reported at least one bogus address to a credit reporting entity.

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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Columbia Dept Recovery. I have contacted company several times also request debt validation letters. Company will not respond company has never sent me anything. I have never heard of or done business with company. My rights have been severely violated. I am XXXX XXXX XXXX and stuck in a mild infested home because this company is reporting inaccurate information and fails to respond to have it removed. They are continuing to lie to bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
Acceded my account and add herself to jointaccount without knowledge or concent. Applied fo XXXX and is accessing my money and account information. Also holding and opening my usps mailed to me. Rerouted my mail to last known address.applied my tax return to her accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX XXXX account charged off in XXXX, in luieu of checking my credit report in XXXX XXXX I wrote each bureau to remove account because of statue which has been over 7 years, In turn XXXX and XXXX deleted it and blocked XXXX XXXX XXXX from being able to re enter information..But Transunion allowed the bank to create a different account number and put fradulant activity on the account as if it had been charged off in XXXX.I filed complaint with XXXX Then Transunion deleted the account then reinserted it, Transunion reinserted and delted the account several times, I spoke with a rep at transunion that said everytime they deleted it they allow the Bank to come right back and update it or re enter.I am still fighting this I wrote Transunion several letters and ask that when they delete XXXX XXXX XXXX block them from my credit reports just as XXXX and XXXX did.Transuinion has violted the FDCA a charge off account can not be updated or reaged after 7 years..Transunion has deleted XXXX XXXX XXXX several times and reinserted because they allowes the Bank to do this what kind of sense does this make..I am humilated, my name and character has been defamed by Transunion and my rights of been violated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2021 I sent a debt validation to Experian via XXXX. I waited 45 days and did not receive a response. I began to get worried because this situation was putting a strain on my finances. XX/XX/2021 I sent a follow up letter via XXXX stating that under Federal Law, they are required to complete and notify me of their investigation results within 30 days, which I have given them an additional 15 days due to COVID. Now XX/XX/2021 and they have failed to provide me with a 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 explanation
Consumer complaint received 2020-08-18
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
On an account I had little or no activity in, they ( Macys ) incorrectly billed me and the bill did not arrive for me to pay. I would gladly have paid.As can be seen by the dates, I opened it on XX/XX/2015, the delinquent was reported XXXX and I closed it on XX/XX/2015. They had a billing problem at that time and I did not receive a bill. 
When I did, they reported it as delinquent. Some years later, I agreed to pay the entire balance if they would delete the report. I had not followed up to see if they deleted the report. In fact, they had not. It is still being reported as a " paid chargeoff '' which I dispute due to they had a billing problem, not my unwilling or able to pay the balance. 
Also, this is still being reported and affects my credit score.

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: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
2018 contacted the company to inform them that the vehicle had stopped working andI I wasnt responsible for the amount owed on this car I explained that I was just the co-signer this was not my vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I'm not familiar with this account and did not have the opportunity to dispute it, so please DELETE, Also, the account does not have the LAST DATE OF ACTIVITY, which is a violation. 

Please provide the following : Verification, Method of Verification, Validation of Debt, and Assignment of Debt. 

Midland Funding # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this item listed on my personal credit file. I do NOT owe on any judgment and took it upon my self to search and this case file there are no charges. I have disputed and requested the agency to remove. Why are they not removing this item? It is inaccurate informationXX/XX/2010 / XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My name was changed on my Trans Union credit report starting the date of the fraud document with the bank. I have sent all my information to TransUnion 2 times. Today I received mail from them again under the name XXXX XXXX XXXX, My name is XXXX XXXX XXXX. At this time I am not sure what other information in my report is wrong because I have not been able to get to a report in the last year. Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
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: Account status incorrect

Complaint:
My repayment plan month amount was {$0.00} but they show on my credit report that I never made a payment, delinquent and sent to collections. I could not have missed a payment because it was {$0.00} and I did not need to submit anything each month. But my credit report shows that these loans were delinquent and sent to collections even with me disputing this information numerous time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
There are closed accounts showing on my credit report and I have tried to dispute numerous times with no help available. 

Accounts Closed referring to : XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : XX/XX/XXXX XXXX Opened Date : 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 2021-07-26
Company: Experian Information Solutions 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:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft 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 2015-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was involved in a car accident and my vehicle got totaled out and my insurance company was responsible for paying off the car the had written up a settlement which I have a copy of and has sent XXXX a check for a little more than XXXX and gap insurance was responsible for paying the remaining balance gap had yet to send in their portion of the check to finish paying off the car so XXXX put on my credit report that I was XXXX days past due for a payment after recieving the check from XXXX XXXX. This process is stopping me from being able to get another car because of this inquiry my credit score has dropped it was XXXX and has dropped to XXXX. I was never late with a payment on anything and when I did have my car I was never late on a payment with them. I 'm trying to get a new car and because of what they did to me it 's hard because of my credit score being so low now please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
4 accounts are over 7years old and has been closed for over 7years its legally supposed to be removed.

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 2021-07-26
Company: Experian Information Solutions 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:
This is my 4th sending dispute request to Experian with no responses.. Can you all please look into this matter asap ... I want these items deleted immediately. 

XXXX XXXXXXXX NO CONTRACT-DELETE IMMEDIATELY XXXX XXXX -NO CONTRACT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XX/XX/1972

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 2016-10-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
Funds for a credit card payment where pulled and it was in amount XXXX over the amount owed on the card. I called Synchrony bank to get that money refunded back to my bank because the balance on the card was XXXX when the money was pulled leaving a negative balance on the card of {$350.00}. They refused to send it back to the bank and stated that they can only mail it through physical check even though all transactions up to this point have been electronically. I stated that I 'm currently homeless and that I do not have a physical address to mail it to. I then offered for them to mail to the bank and they stated that they ca n't do that either. I was told that their policy is not to send any fund electronically as it pertains to its consumers even though over XXXX % of their business is throuugh electonic transfer of money. The Credit Card agreement did not stipulate that funds had to be sent directly to a physical address for the card to be used.

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 2021-07-26
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Conn 's Appliances has called me XXXX times today trying to collect o a debt owed by someone with a similar name as mine. 

I 've told them XXXX times today that they have the wrong person. Yet they continue to call me back. 

I do n't want them to damage my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I previously notified Transunion thru the CFPB that I am a victim of identity theft, Transunion responded that Fraudulent accounts were verified as accurate. I would like to know if a account is FRAUDULENT how is able to be verified. I stated that I am a victim of identity theft and I had nothing to do with the following listed on the FTC 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 2021-07-26
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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I reached out to HSA bank two weeks ago with the following e-mail : " Good evening - I recently transferred the balance of my HSA bank account to XXXX and saw that I was charged a {$25.00} account closure fee. Please advise why I was charged this fee despite being sent a letter from HSA Bank stating that accounts that were created while you service XXXX for HSAs would not incur such fees? See attached file for details. 

As such, it seems pretty clear this fee needs to be credited back to me. Given I have more medical expenses this could simply be sent to me as a disbursement via ACH or a check ( since the account is already closed ). '' Including an attachment with a scanned copy of a letter HSA Bank sent indicating there would be no account closure fees. Since then I received a generic response from a representative to call their 24/7 service line that either went to hold-music for thirty minutes before dropping or the call or a dead end " The person you are trying to reach has a voicemail box that is full. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
If I do n't pay the monthly amount due on or before the due date, by XXXX XXXX. the next morning, they start blowing up my phone and will call 10-15 times a day from SEVERAL different telephone numbers. They have even called when I was at XXXX on a Sunday morning!!!!!! They also tried texting ( but I blocked that ) and send several emails which go to my spam folder!!!!!! They have even called my work telephone number and my references on my application when a payment is n't even 30 days late!!!!!!

Company response to consumer: Closed with explanation