BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-05
Company: CL Holdings LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Showed up on my credit report XX/XX/2018. O letter or bill was ever sent. Called them asked to send me documents showing what this debt was. Nothing. Disputed with credit bureaus nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am completely responsible for my debts and have always paid them. I lost my job after 13 years and lost my house and own nothing as I had to sell everything of value. I am on Total XXXX XXXX as of XX/XX/XXXX diagnosed with XXXX and XXXX XXXX XXXX XXXX XXXX  as I have not been able to work at all so far. I am under the care of two Doctors a XXXX and well as numerous XXXX. When I spoke the the party representing my XXXX on card debt on XX/XX/XXXX, they told me that this debt will stay open and will be charged interest every month that will accrue until it is settled. As I can not attempt any payment as I can not work, I feel it is wrong to keep adding interest making my debt amount constantly increasing every month. This is making my condition worsen as I can not sleep at night with this debt getting larger and larger. I feel this is very wrong and I am requesting that any interest is stopped and reversed and a reasonable amount is presented on the original total and all activity stops so when I can possibly work again and an agreement offer would be proposed in the range of maybe XXXX cents on the dollar as other creditors offer. No correspondence has com by mail at all. Please help me as the tragedies I have had these past XXXX years has put me in this horrible position and is worsening my XXXX Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Someone went into Huntington National Bank and cashed a check in the amount of {$1200.00} dollars, clearing out my personal and savings account, leaving me PENNYLESS. The bank acknowledge the many Red Flags that should have been caught with the cashing of this check- calling me to verify, another security check by the individual who overrode the check, etc. 
As of ths date I am still PENNYLESS and the bank has not refunded my funds. They also failed to properly file my complaint via the XXXX number causing the complaint to be closed leaving me without any funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-22
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold to Shellpoint from Green Tree.

Shellpoint put my wifes name on the loan. My wife has NEVER been on the loan. Shellpoint has started putting my wife on the mortgage statements. She has never been on the loan from the start. I want her name to be removed from the loan. She was never on the loan. Remvoe her name from the mortgage statement.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My previous insurance carrier exited the XXXX XXXXt. There was a 9 day stub period between insurance renewals. The stub period was out of my control. The insurance agency was unable to bind a policy timely due to the timing of notification. Florida statutes allow only 30 calendar days of non-renewal notice during the XXXX and XXXX XXXX holiday. The main XXXX policy was paid out of pocket effective XX/XX/XXXX for {$4200.00} XXXX I was charged {$260.00} for the stub period between the XXXX term and the XXXX renewal by Truist for a stub policy. Truist refused to allow me to pay the {$260.00} and has sat as an " escrow '' deficit since XXXX of XXXX. 

Suntrust refused to allow me to pay the {$260.00} directly for the 9 day gap.. Suntrust did not notify me during their evaluation process until whatever process they have concluded. Suntrust unilaterally established an escrow because of the {$260.00} deficit they refused to allow me to pay. 

Their reasoning is that because I had an escrow deficit, I must now establish an escrow. The conditions they forced upon me are because of their own actions. This is a contradiction and illogical.

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 2022-05-04
Company: Experian Information Solutions Inc.
State: NY
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:
MY NAME IS XXXX XXXX I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM A 3RD PARTY OR AGENCY. I DO NOT RECOGNIZE XXXX XXXX XX/XX/2022 WHICH WAS PLACED TODAY XXXX XXXX XX/XX/2022

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 2022-05-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2022, I contacted Synchrony Bank and PA State Attorney General 's Office regarding the Adverse Action Synchrony Bank had taken against me by closing various accounts and/or lowering my credit limits, drastically. I informed Synchrony Bank of the damages they caused me by taking these actions and also gave them the opportunity to fix this issue prior to me filing a claim in Federal Court, as they have grossly violated my Federal Rights. A few weeks afterward, Synchrony Bank contacted me and refused to reopen my accounts. In their letter the stated, they are able to pull my credit whenever they want. I responded to them asking where was this information, and I also know that it is a direct federal violation to pull my credit without my consent. I also know that XXXX is in violation of Federal Law if they offer any updated information to a financial institution without my consent or request. 

On XX/XX/2022, I received an email from Synchrony Bank, that in a retaliatory action, they closed another one of my accounts. In the letter, they made mention of a credit score provided to them from XXXX. This was fraudulently done because I did not request my information be provided to them, nor did I authorize XXXX to release this information, nor did I authorize Synchrony Bank to pull my credit. In addition to, the term " credit score '' does not appear in any US Code or Statue, making this a fraudulently made up term on top of the fraudulent, unauthorized use of my social security number. Both parties were complicit in the fraud and discrimination against me, violating numerous rights outlined in the FCRA, CFR, EOC, Public Law, the Consumer Credit Protection Act and so much more. 

Synchrony Bank has a pattern of reviews related to fraudulent activity and consumer abuse. And XXXX also has a history of publishing unauthorized consumer reports.

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 2017-10-19
Company: Credit Card Receivables Fund Incorporated
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a debt on my credit report for {$510.00} that is n't mine. I have no knowledge of this account or this company for that matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: WV
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Rocket Mortgage, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a new loan through Rocket Mortgage and uploaded a lot of personal financial information to their website. I experienced difficulty working with the lender, including a non-responsive mortgage point of contact and unwanted solicitations, and decided to work with another lender instead. I contacted Rocket Mortgage to delete data, including my bank account statements, W2s, and other personal information, from my account and they refused. This is a completely unacceptable response and gross abuse of consumer privacy protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX have these accounts flagged numerous time in my credit file as late. These account have never been late

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 2017-06-28
Company: CITIBANK, N.A.
State: CO
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:
I scheduled a move with XXXX XXXX XXXX XXXX/XXXX/XXXX. I was quoted {$1900.00}. They required an {$750.00} deposit. There is a 3 day cancellation policy. I was called by XXXX the evening of XXXX/XXXX/XXXX. He wanted to go over inventory. He asked what floor I was going to be on in new address. I said XXXX and he said he would check and see if he has a truck. When he got back on the line he said the price would be {$3600.00}. to move me or they would not take all of my furniture. He emailed a new agreement with less boxes and furniture on the list. I replied via email to cancel the move as this was not agreement. I filed a dispute with Citi Bank on XXXX/XXXX/XXXX. They have been of no support. I have emailed and faxed everything they requested and after 2 months of this and endless phone calls only to be told today by a dispute manager, XXXX, that because I did not cancel within the 3 days they can not assist me. I can not comprehend how they can not support me in this obvious scam. The company has many similar complaints which I also submitted.

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 2022-05-04
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: Account information incorrect

Complaint:
Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: Servatus Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CREDIT SOLUTIONS CORP was reporting to be negative on XXXX  and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Shellpoint Partners, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a PMI removal back in XXXX of XXXX and was told that my loan needed to be paid down to 80 % LTV to have the PMI removed. I paid down the mortgage to below 80 % and again requested a PMI removal. This time I was asked to pay for a BPO, which I did. I received a letter on XX/XX/202 stating that the home LTV was now at 73.96 % ( {$120000.00} ) and the home ( as it is an investment property and now needed to be paid to below 70 % LTV ) needed to be paid down below {$84000.00} in order to remove PMI. I sent in a check noting a Lump sum payment to be applied to " principal only '' as stated in the memo line, as instructed. The payment was erroneously applied to multiple future payments and I had to call the company to sort that out. I paid the loan down to {$84000.00} on XX/XX/2020 and requested a PMI removal the same day. I was sent an email that the request could take up to 30 days to process. Since then, I have called the company five times, speaking to 8 different representatives telling me that they are not sure why my PMI has not been removed and they will speak with a supervisor and get back to me. Not one of those people has gotten back to me, and me PMI has still not been removed. I am told their PMI/escrow department will not take calls from consumers, so I am left at the mercy of their customer service agents who clearly are not following up. I am unsure what to do at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax sent my free credit report to wrong address after I verified my correct address with them. They are trying to charge me {$7.00} to resend it. I have been a victim of identity theft and this is unacceptable because I need to dispute inaccuracies off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Theyre reported this account 180 days past due and that is incorrect. It also still shows as owed and owing a balance which is incorrect. I also do not remember to agreeing to them reporting to the credit bureaus. This is a buy now pay later app. Ive tried reaching out to them and its really hard to get in touch with anybody or to have things escalated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
After careful review of my Trans Union credit report I see there's an account reporting that I'm not familiar with. I have never done any business with this allege company XXXX XXXX XXXX, nor will this allege company be able to provide trans union with any contractual proof that they are legally obligated to report any allege debt on my trans union credit file. XXXX XXXX XXXX has never sent me any correspondence verifying there existence. If trans union continues to report this fraudulent account they will be in violation of multiple FCRA and FDCPA violations.

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 2022-05-04
Company: GOLDMAN SACHS BANK USA
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
We received notice in XX/XX/XXXX that our XXXX  XXXX XXXX was being sold to Marcus by Goldman Sachs effective XX/XX/XXXX. We had been XXXX XXXX cardholders since XXXX, and believe that the reason our card was sold was that we never accrued a bit of interest during those 30+ years. We do not want to do online banking and demand a paper statement monthly. XXXX sent us instructions on how to register for the new card. After completing steps 1 and 2, they offered a tab that read " We do paper statements ''. After I clicked on this tab, I discovered that the only option they were offering was online payment of our balance. To continue, they demanded that I enter an account number to be used to pay our monthly balance. They refused to pick up on the customer service number they provided unless we entered an account number, so I abandoned the enrollment process after trying 3 more times to use the customer service number. We sent a check for {$450.00}, our check number XXXX, to XXXX XXXX dated XX/XX/XXXX and XXXX XXXX subsequently cashed it in payment for our final balance with them. An officer at our bank told us that this balance had been transferred in its entirety to XXXX, and that according to out records, we still owed it. Since then we have received numerous emails that our XXXX balance was past due and to complete our enrollment by entering an account number, and then paying a minimum payment of {$29.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-18
Company: Navient Solutions, LLC.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, XXXX XXXX  XXXX, and Navient. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Williams & Fudge, Inc
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I paid my full balance to XXXX XXXX XXXX XXXX XX/XX/2020. In XXXX 2020 I have been getting calls from a 'debt collector ' William and Fudge saying I owe {$340.00}. XX/XX/2020 XXXX XXXX informed me I owed {$1000.00}, I wrote a check for the total, exactly what XXXX XXXX informed me. There were no warnings from the school before or after that they would send anything to collections. Seems like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Enhanced Recovery company failed to notify me in writing wit hin 5 bu siness days of reinserting a deleted collection account that once belonged to  XXXX   XXXX   XXXX  in  XXXX   2017 . Not only did they break the law in failing to notify me, they reaged the account and changed the amount " owed '' on this collection account that I disputed and was deleted from my credit report. I have no knowledge of this account, please delete this inaccurate information from my CREDIT report it is making it extremely difficult for me to obtain credit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
A Capitol one credit card was opened in my name by identity thieves in XX/XX/XXXX. At the same time several other fraudulent cards were opened in my name at XXXX XXXX and XXXX XXXX. This occurred because my personal info including social security number was leaked as part of a data breach. 

I became aware of the fraudulent cards in XX/XX/XXXX and reported them to all three banks, as well as opening a report on identitytheft.gov, filing a police report, and freezing my account with the credit agencies. 

To this day one year later Capitol One has failed to adequately investigate and resolve my dispute. Their security practices are dangerously inadequate and pose a serious risk to all consumers. They allowed a credit card to be opened on the basis of an incorrect phone number which has now been removed from all of my credit reports and a pre-approved credit card offer they sent me that someone had dug out of the trash. 

Despite the phone number being removed from all three credit reports, they refuse to remove the account. 

I have initiated 2 investigations with Capitol One, and in both cases they have failed to come to the correct conclusion that other banks were able to reach within days. I have spent dozens of hours of my time trying to get them to resolve this card, which is ruining my credit score and preventing me from buying a home.

Company response to consumer: Closed with explanation