BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: NRA Group, LLC
State: MN
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:
National Recovery Agency XXXX, PA XXXX This company posted debt on my credit score without once contacting they have been damaging my credit for years without me knowing I always check my credit score on XXXX XXXX and they never showed me today I checked my credit on XXXX  and theres this debt thats up for collection I have no way to describe my feelings about this I always paid my bills on time and I have XXXX debt on me I think this company is a fraud as it says on their reviews almost everyone on their XXXX reviews is complaining about them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: Experian Information Solutions Inc.
State: LA
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:
Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.

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 2020-08-13
Company: EQUIFAX, INC.
State: LA
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:
Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: EQUIFAX, INC.
State: AL
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:
The auto loan accounts are displaying inaccurate and inconsistent information. Some credit bureaus are reporting late payments and others are reporting current. The car loans were paid off in XX/XX/XXXX and XX/XX/XXXX. The accounts are paid off and they are closed, resulting in an inaccurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
I can not get my EQUIFAX CREDIT REPORT pulled by myself, no consumers, or any paid membership Services. I also went to Equifax.com to pull my report with them and it said that they were not able to release it and the Member Service associate said that there is an issue with my account eternally. 

This what Equifax sent me. " We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. '' I was try to apply for goods and service through some companies and they tried to run my Credit Report 6 times within 3 days and it keep coming back Internal Error but they are running other individuals Credit Report constantly with no problem. The company contacted their IT Support Help Desk and they asked for me to contact Equifax to check for Internal Issues and Equifax keep blaming everyone else instead of fixing or looking into the problem themselves. This is very frustrating and I am In the process of buying a house and need to access my account when I need it. I NEED THIS FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I was the victim of fraud perpetrated by unknown person ( s ) using XXXX to steal {$6200.00} from my consumer bank account at Bank of America. In total, there were six separate fraudulent transactions, three on XX/XX/XXXX and three on XX/XX/XXXX, in the following amounts : XX/XX/XXXX - {$980.00} XX/XX/XXXX - {$970.00} XX/XX/XXXX - {$820.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$1100.00} None of these transactions were initiated by or authorized by me, and I have never signed up for or used XXXX for any purpose. I reported the first three fraudulent and unauthorized transactions to BOA on XX/XX/XXXX, but the bank did not properly handle my call and did nothing to protect my account or refund me the money. Then on XX/XX/XXXX the additional three fraudulent transactions were made from my account. BOA refused to refund any of the fraudulent transactions, even though I reported them immediately as fraudulent, in violation of Reg E. Instead, BOA denied my claim and closed my account. I request reimbursement of the {$6200.00} stolen from my account and the remaining balance in my account after BOA unilaterally closed it.

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: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Synchrony Bank/Lowe 's has repeatedly failed/refused to credit a {$100.00} telephone payment made on account XXXX despite three faxes providing checking account verification of payment made to Lowe 's and debited from my checking account. 

Recently Synchrony also erroneously added another {$100.00} owed to my balance claiming that it did so because it was " reversing '' a credit ( that in fact they never credited ) to my account after " completing '' their " investigation '' and being unable to locate the payment ( of XXXX ) Faxes sent from my bank to Synchrony on : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX Numerous ngoing phone calls to Synchrony from me, from consumer banker XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, and from Lowe 's

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2015-12-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recently opened up a Walmart credit card under a promotion of no interest for 24 months if your purchase exceeds a certain amount ( which mine did ). I purchased merchandise in preparation of grad school with the intent of paying a little back from each paycheck I receive from the school. I paid three payments then when the fourth one was due it slipped my mind as I became extremely busy with papers, homework, etc. I thought it was due XX/XX/XXXX when in reality it was due XX/XX/XXXX, but I found this out because after i missed the deadline ( 7 days later ) i started receiving calls from a robo automated message telling me that it is the bank and they are with Walmart and gave me a number to call. I assumed this to be some sort of scam as what business would call you trying to get ahold of you to tell you to call a different number? So ignored until I got so annoyed and stressed ( 4 straight days of calling leaving one automated message usually while I was in class, one of the days I actually answered and it was still a machine automated message!! ) I finally opened up my laptop to see who they are. This is when I realized they are pretty much the debt collectors for Walmart so I instantly paid ( today ) once I realized the little mistake I made ( that apparently was justification for harassing me calling me everyday ). Then I start thinking I do n't remember to giving them my number or to a debt collector so I went on my online portal for Walmart and realized I gave it to Walmart ( run by synchrony bank aka the bank that wo n't stop leaving me automated messages ). Further looked into the place I gave Walmart my number and i apparently checked the box that said they are allowed to contact me about my account ( which I guess debt collection is?? Even though the average person would n't think this is what it entails ) and use automated robo messages from third party. Funny thing is today is the first day I have recieved an email notice that I missed my payment after XXXX days of calling and leaving confusing phone messages. In the voicemail they were also very secretive about what the purpose of the call is which is why I thought it was a scam. They just gave their information and a number to call them at, but no way to stop these calls!! Word of advice realize when your are checking a box to receive information about your account realize you somehow explicitly consent to debt collectors harrassing you in the process. Oh and also realized when I checked through my statements that they are charging me interest going directly against their promotional 24 month no interest. All one big stressor impeding on my school work

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: AR
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:
On XXXX I asked XXXX, XXXX, and Equifax to delete inaccurate information from my report regarding the below accounts that does not belong to me. 

Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : XXXX Charge Off Account Name : XXXX XXXX  Date Reported Opened : XX/XX/XXXX Amount : {$1100.00} Charge Off Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : XXXX Charge Off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: FL
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:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has  gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Seterus, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX of 2014 the servicing of my mortgage was sold from XXXX to Setrus Inc located in XXXX, CT. I had sent in a payment on XXXX/XXXX/2014 that was received by Seterus for the XXXX/XXXX/2014 payment This is verifed by Seterus Inc . They are stating that there was a fee of {$87.00} dollars assesed from XXXX that was deducted from my mortgage payment and the rest was applied to a suspense account. When the next payment was received on XXXX/XXXX/2014 for the XXXX/XXXX/2014 payment it was instead applied with money in the suspense account to make the XXXX payment which I believed was already made. This in turn has started a domino effect of my payments consistantly falling in the 30 day behind range. I have spoken with representatives from Seterus numerous times and have gotten nowhere. I am trying to refinance my property but because of this incorrect applying of my payments I am being denied by current lenders because of my mortgage payment history. I have made a paymnet every month from the inception of my mortgage and will continue to do so. Please assist in getting this mistake corrected as I have had no success in dealing withthis company. I am a retired veteran and believe I should be getting some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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. CHAPTERXXXXBANKRUPTCYDISCHARGED 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 2020-01-09
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT. I HAVE BEEN TRYING FOR SEVERAL MONTHS TO GET THIS REPORT CLEANED UP BUT THE BUREAU JUST KEEPS GIVING ME THEW RUN AROUND AND IGNORING THE FACT THAT THIS IS FRAUD. THEY ARE CONSTANTLY TELLING ME THAT THIS ACCT WAS VERIFIED BUT THERE IS NO WAY BECAUSEITS NOT MINE! YOU CAN NOT VERIFY AN ACCT THAT WASNT OPENED BY ME. I HAVE RECEIVED DEVERAL COPIES OF MY CREDIT REPORTS BUT NO PROOF OF WHAT THEY ARE CLAIMING IS VERIFIED. I NEED A SIGNED CONTRACT BY ME OR THIS NEEDS TO BE DELETED IMMEDIATELY BEFORE LEGAL ACTION IS TAKEN AGAINST THE BUREAU AND THE FURNISHER THATIS REPORTING. 
XXXX XXXX XXXX REPORTING AGENCY : EXPERIAN XXXX. XXXX XXXX XXXX, TX 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 2015-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
An alleged debt in the amount of {$280.00} was reported to Equifax, XXXX, XXXX for an account from XXXX ( acct. # XXXX and/or # XXXX ). I sent an online dispute to XXXX & Equifax. XXXX & Equifax reported that the dispute or dispute investigation as closed and the alleged disputed amount was placed or kept on my credit report. I ordered and cancelled the order for the services. I never received the phone and internet services that XXXX claimed to have provided. I never received their equipment, their technician did n't connect anything in or around the house, nor did I use their services reference in that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 reached out to the creditor to dispute incorrect information and they claim they can't verify this account since the account is with a third party. This is a violation.

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 2020-08-13
Company: EQUIFAX, 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$3900.00} XXXX  XXXX XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-14
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am writing in regards to the hacking that occurred at XXXX Scottrade Bank. 

Specifically, I seek clarification on whether my passwords were encrypted or hashed. 

Scottrade 's press release here : XXXX, states that the passwords were encrypted and NOT hashed. 

If Scottrade did not hash passwords, I would like to know why, and I would like to know if the encrypted key has been or could have been targeted in the hack.

Company response to consumer: Closed
Consumer complaint received 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$3900.00} XXXX XXXX XXXX XXXX {$11000.00}

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 2020-08-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
This is the same complaint but the corrupted XXXX XXXX  and shellpoint morgage servise keep sending me the same paper ever and over they claimed I owed them money the can't explained where the keep sending me paper from XXXX XXXX and I got a loan modification on XXXX and at the time corrupted XXXX  XXXX XXXX told me that I was going to start they added XXXX on XXXX so my loan when from XXXX to XXXX and at the time I was to started the loan no inters no extra fees until I paid the XXXX XXXX XXXX but XXXX  XXXX XXXX couldn't get more money for it they gave it to XXXX XXXX  so they try to get inters get me out of the deal I got first claiming I did a bankruptcy so when they realized it was a lie now they tried to tell me I'm behind the payments but the can't get which one that's why they keep sending me paper that does no have anything todo with this loan they try to get me out of the loan modification I have because they can't get any extra fees even that they say they can in my contract I got in XXXX through my loan masificacin my lawyer at the time explained last month she'll point send me paper for another loan modification and I wander why they say the will take my house they say they foreclosure my house and I don't understand why

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation