BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-22
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Bank allowed Lowes to charge my advantage account based upon a proposal and then is not willing to rectify by breaking communication and subjugating the process.. Lowes has made a mockery of the way they are dealing with me

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 2020-06-03
Company: Midwest Fidelity Services, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have multiple family members that have received calls stating I owe a debt that has not been paid off. They already have my email, my work phone and my personal cell phone numbers to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of m y Trans Union  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.     Under the Fair Credit Reporting  Act, 15 U.S.C. 1681g I have t he right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them.     If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required unde r Section 611 ( a ) ( 5 ) ( A ) ( i  ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.     Under the FCR A 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.     Please provide me with a copy of an updated and corrected credit report showing these items removed.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B . Insurance C. Employment D. Court O rder The following credit inquiries are related to none of the aforementioned permissible  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Convergent Resources, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent outsourcing is a debt collection agency this agency has called me a year straight two to three times a day using an Alabama number. Posing as different collection agencies. They lied on my credit report that I have a XXXX XXXX account in collection earlier this year. I knew it was a lie because I had XXXX XXXX for almost 5 years now. I reported XXXX XXXX  account about in 2009 that was not mine. Now almost 13 years later convergent outsourcing says I didnt pay XXXX XXXX bill. When I asked for a copy of this so called contract or service with XXXX XXXX they cant produce it. Its a lie convergent outsourcing is lying on consumer credit reports and I have uploaded or will upload a snap shot Here are the numbers they called me from over a 100 times 3XXXX XXXX And as soon as my credit was in the high XXXX score they added a collection account

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 2018-10-07
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I transferred the entire balance of my student loan from XXXX XXXX to another loan provider with lower interest rates. The amount transferred at the time was what showed from XXXX XXXX as the entire balance. Several weeks later I received a message from XXXX indicating that I had a past due payment. When I looked at my account history, I saw that interest was applied AFTER I transferred what I thought was the entire balance ( Largest balance shown in the account ). I thought it was deceptive that XXXX did not readily show the entire balance so that I could find out exactly how much I owed. I now have a late fee applied to my account as well as another payment that I did not anticipate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Re ; XXXX. When I tried to opt out of receiving ads by properly filling out the online form, I was not allowed to proceed. The information was correct. I did this multiple times, to no avail. Very frustrating!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: U.S. BANCORP
State: HI
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 rewards from credit card

Complaint:
I tried to redeem my US Bank business credit card cash rewards to my US Bank personal checking account. The system keeps telling me " an unexpected error has occurred. '' I called the number on back of my biz credit card. The agent told me I have the wrong routing number and/or checking account number. I told her that I checked XXXX times already and am 100 % certain I provided the correct info. The agent told me she could not help me and made me contact the checking accounts team. I called them and that agent also told me they could not help me and transferred me back to the biz credit card team. US Bank is giving me the complete runaround here and I am tired of this back and forth nonsense. I have the correct account information, unless US Bank changed this without my knowledge, nor consent.

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 2019-12-13
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 just recently reviewed my credit report and have discovered some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have access to my credit. Due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Atlanticus Services Corporation
State: CA
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. This XXXX, XXXX XXXX has violated my rights under 15 USC 1681, section602 states I have the rights to privacy. 15 USC 1681, section604A section 2. It also states a consumer reporting agency can not furnish an a account without my written instructions. Under 15 USCS 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-31
Company: Experian Information Solutions Inc.
State: OH
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 recently sent 3 letters to Experian asking for information about accounts on my credit report Im not familiar with. I asked Experian to kindly please advise me as to the correct name and current address of the creditors, the name of the account holder, and the reported date of first delinquency for these accounts as any account I might have had at one time would be obsolete. I also asked Experian If they can obtain this information, I also would need the name of the person providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. My request was completely ignored, and Experian showed no regard for my concerns by just sending me a generic response to my request claiming the accounts were verified. They also disregarded my request to correct and remove addresses other than current. I also asked to remove notice that my home address is a non-residential address. Check attached Experian response sent to me on XX/XX/2018 file number XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability apply for Job opportunities to take care of my family. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below since you ignored my request and refuse to properly verify defaming accounts on my credit file. Show me the contracts and method of verification or delete these accounts immediately. Please also remove your fraud alert from my credit file. I did not ask for one. Creditor : XXXX Account Number : XXXX Creditor : XXXX/XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX XXXX Account Number : 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 2017-04-24
Company: Convergent Resources, Inc.
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In  XXXX  of   XXXX   I received a letter from Convergent Collections with my nephew 's name and my address. It was a collection notice for a supposed account from a number of years ago. My nephew has never lived in Iowa. There is only  one way Convergent cou ld have gotten my work address and that is from one company that I have power of attorney to represent my nephew in negotiating a settlement. There is nothing else linking my nephew to my work address. When I called Convergent they would not tell me where they had obtained my address and they lied to me telling me that my sister-in-law had told Convergent that the bill was really mine and that she had given them my work address. I am attaching a letter from her disputing their claims. We have attempted to resolve this issue but without any success. We need your assistance in this matter.     Prior to this time Convergent or  XXXX  had not notified my nephew of the bill, he had not received a right to cure notification and it was turned over to a collection agency.

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 2021-12-09
Company: Comerica
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am having a fraud protection problem with my financial institution. I lost my bank card and they will not replace it even after I sent them all the documents required in order to satisfy their fraud requirements. They are XXXX and I am XXXX XXXX, XXXX XXXX # XXXX, SS # XXXX. Their # is XXXX XXXX XXXX and their email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, 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 information incorrect

Complaint:
Dear Sir/Madam XXXX XXXX, account # XXXX I filed a dispute with all three-credit bureaus, XXXX XXXX Equifax and XXXX on XX/XX/2020, all three bureau said the debt was verified by the original creditor. However, I sent a certified letter with a return receipt asking the original creditor XXXX XXXX to investigate the account listed above. I did not receive a response. I have attached a copy of letter I sent to XXXX XXXX, copy of my credit report from all three bureaus showing the inaccuracies which is circled on all credit three reports and copy of the return receipt. How can this account be verified when each credit bureau is reporting this account differently? Thanks for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On or about  XXXX   XXXX ,  XXXX , I opened a business account wi th Citibank.  I filled out all of the paper work th at Citi req uired. I have had no issues with the bank until  XXXX   XXXX ,  XXXX , when without notice they closed my account and withdrew {$10000.00} out of the account. I place a call to the branch to find out what happen as I though my account was hacked. I was informed that because of the fact that the bank was missing some paper work they closed the account and would be mailing me a check. I requested that the account be reopened immediately and that the money put back into the account. I was told that they could have the account opened the next day but that they could not redeposit the money. The bank went on to say that they were not able to put a stop payment on their own check. When I asked how my company was to pay its bills, I was told - I do n't know and there is nothing we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Please provide me with the name and address of the original creditor. Pursuant, the XXXX XXXX XXXX XXXX Act Section 809, cease and desist the reporting of this item until you do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm a QMB [ Qualified Medicare Beneficiary ]. Under federal law, a Medicare provider can not collect my Medicare premiums, deductibles, coinsurance, or copayments. This is true whether it's Original Medicare or a Medicare Advantage plan. I'm in a low-income situation for Medicare. So there apparently is some confusion about how billing is supposed to work. I'm not supposed to be billed by providers under this program. So, I've consistently received bills and was confused as to why. So I reached out to Medicare and they pointed me here to get assistance. I have various dates and collection companies seeking to settle accounts that I shouldn't have been billed for.

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 2021-06-13
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There are two issues. The first is I am unable to pay the mortgage company because their website does not work. I can not log in and I've called them multiple times about this, but they have not fixed it. Second, they sent a 'coupon ' book which is supposed to act as monthly statements. The problem is that when we paid extra principal, these 'coupon ' books don't account for what our actual monthly statements are. The company is clearly violating the periodic statement rule, also since we are unable to pay promptly our interest payments are higher since it takes up to a week to pay. Last time I had to pay over the phone, and the company charges a fee for that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: ND
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a fax and police report to Chex Systems last month informing Chex Systems that I 'm a victim of identity theft and someone stole my personal information to open the following checking account with XXXX XXXX XXXX # : XXXX. The checking account is fraudulent, unauthorized and do n't belong to me. I have never open or had a checking account with 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 2021-12-09
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date XX/XX/2017 company opened a collection. 
Account # XXXX {$950.00} that I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


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 2017-04-24
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a  XXXX   XXXX   XXXX   XXXX  with Exeter Finance Corp . I have had issues with the company from the start with their collection tactics as well as the predatory interest rate I had with them. I voluntarily surrendered the vehicle back in  XXXX   XXXX . On each occasion I contacted the company to make sure that this will show up on my credit as a voluntary surrender as well as contacted to see when they would pick up the vehicle. I havent heard anything else from the company since I had made initial contact. I checked my credit on  XX/XX/XXXX  and discovered I had a charge off from the company. I immediately contacted them by phone where I verified my current address twice with them. I asked them why they havent sent me any accounting of my account with them. They stated that they did and they received a return sender letter. They also stated that I didnt update them with an updated address even though I have had the same address since the beginning of the loan. I requested that they send a copy of the return sender letter for proof they did attempt to send me an explanation of proceeds in which they couldnt provide. It wa s one r epresentative that I spoke with that went as far as saying that the charge off was going to stay on my credit because I didnt comply! I never received anything from the company to comply with!  A manager at Exeter stated tha t I should dispute this issue directly with the credit reporting bureaus. The lack of assistance, unlawful reporting and unethical, deceptive practices by this company is extremely frustrating!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Bonneville Billing and Collections
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On  X/XX/17    I submitted a complaint CFPB #  XXXX  in which I disputed the validity of the debt with the original creditor  XXXX   XXXX .  XXXX   XXXX  failed to respond within 30 days and per federal regulations all attempts to collect on this debt must cease and desist. The item associated with this debt I do not owe is showing on my  XXXX  and  XXXX  credit reports. Please immediately delete this item related to  XXXX   XXXX  from my credit repo rt ( s ). T hank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation