BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5700.00}, {$1800.00}, {$0.00}, {$0.00}, {$0.00}, {$2700.00}, {$1400.00}, {$0.00}, {$5100.00}, {$250.00}, {$3400.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXXwith a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 9. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my 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 2022-07-27
Company: EQUIFAX, INC.
State: GA
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:
Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. 
I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX  and distress not knowing when this item will be removed. 
Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
when i went to download my free annual credit reports from all XXXX companies i never got as far as the download as the internet connection timed out and the downloads were incomplete and therefore i could not print them out. Also, since that happenened i was also denied credit for a credit card ( XXXX Credit card ) For example as stated by law : Q : Are there any other situations where I might be eligible for a free report? 
A : Under federal law, you 're entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action. The notice will give you the name, address, and phone number of the credit reporting company. You 're also entitled to XXXX free report a year if you 're unemployed and plan to look for a job within 60 days ; if you 're on XXXX ; or if your report is inaccurate because of fraud, including identity theft. Otherwise, a credit reporting company may charge you a reasonable amount for another copy of your report within a 12-month period. 

EquifaxXXXX ; equifax.comXXXX : XXXX ; XXXX : XXXX XXXXI need a new updated download of my reports from each in its own entirety for my record .... 

I remain, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: NV
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 they violated my rights. 
Please delete the following items : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX  Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account : XXXX Creditor : ( Original Creditor : XXXX XXXX ) Account : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: PA
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 REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT AND IT IS PREVENTING ME FROM RECEIVING CREDIT I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt collector by the name of XXXX XXXX contacted my father more than once about a debt that was mine and not his. He talked to him in XXXX, XX/XX/XXXX, and XX/XX/XXXX. Mr XXXX violated FDCPA by repeatedly disclosing information to my parents about the debt, including the name of the creditor, account open dates and account balance without having authorization to speak to them. My mother also talked to Mr. XXXX on XX/XX/XXXX and he shared details about the debt with her as well. 

After receiving the contact information for him, I called on XX/XX/XXXX and XX/XX/XXXX. I first spoke with Mr. XXXX, on XX/XX/XXXX and requested a copy of the validation notice which he said was sent on XX/XX/XXXX and he refused to send a copy of the letter. He claimed it would be considered harassment to send the letter again. This makes no sense to me if Im requesting proof that this is not a scam. In an effort to verify this information, I called Synchrony Bank and spoke with XXXX at XXXX XXXX XXXX and she told me the account was closed on XX/XX/XXXX. I did not receive anything to provide details about what was happening but obviously this did not align with what Mr XXXX said earlier. 

He also implied that there is an attorney involved, and would not provide who the client that he was calling on behalf of, and demanded the total of {$4400.00} be paid by XX/XX/XXXX, and later offered a lower amount if I agreed to pay immediately. 
I told him I did not have that much and offered {$400.00} a month to pay on the account and he stated the client wouldnt accept the offer of payment and would not provide contact details of him or his client. He also mentioned that my wages could be garnished for the amount of the debt and legal fees, even though I still haven't received any information about the debt at this time. 
He most recently left a message on XX/XX/XXXX saying they are going to begin employment verification. I saved this message and can forward it if necessary. He is saying this will be done even though I have not received any correspondence on this matter in any capacity about this debt.

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 2020-08-04
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We filed several loan modification applications after struggling through several hardships, including most recently the Coronavirus pandemic. We are seniors who have had many medical issues ; a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. We have lived in this home for years and SLS servicing is tearing us apart. 

However we have worked hard to keep up on our mortgage. We have submitted several loan modification applications over the last 3 years. Each time we are told they are incomplete. ON XX/XX/XXXX we submitted a new application with all of our income., with proof of income exceeding $ XXXX/month. IN early XXXX approximately XX/XX/XXXX, we receveid notification from SLS servicing that they had received a complete package from us, no more documentation was needed and that a decision on a modification would be forthcoming. 

We then received a letter dated XXXX XX/XX/XXXX that our modification application was denied, and that XXXX $ was used as our income. The enclosed 12 page attachment shows the income was documented and proof of income. How SLS has the audacity to make a decision to deny seniors based on " XXXX income '' is outrageous, abusive and fraudulent.

How dare SLS deny us, with incorrect information, stating just 2 weeks  before that they had all of our income information which exceeds $ XXXXmonth. 

This is a pattern and practice that SLS has repeated for years and we would like the CFPB to take action.

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 2016-10-23
Company: Blackhawk Network Holdings Inc.
State: MI
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I was sent a prepaid card unsolicited that supposedly contained a rebate for a purchase I made. I did make the purchase but did n't request the card. The fees and challenges of using the card made impossible to apply its balance to purchases. I have since received a second card unsolicited, which I am refusing. The card comes from Blackhawk Network, associated with XXXX XXXX XXXX XXXX, SD. The rebate was for XXXX products manufactured by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
XXXX sold off my collection to a third party, that third party gave out my information to someone else who picked up the phone. They admitted it, but then claimed that I was lying about it not being me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for offered and accepted Department of Justice Attorney General Modification trial modification term by XXXX XXXX XXXX who subsequently after successful completion of 2 months of the 3 month trial sold and transferred my loan in question to BSI Financial Services as the new servicer. As stipulated the DOJ Attorney General Settlement Consent Judgement in exhibit A section M Transfer of Services of Loans Pending for Permanent Loan Modification pages XXXX and XXXX, and as agreed and confirmed by BOTH XXXX XXXX XXXX and new servicer BSI Financial Services it is mandated and agreed that " Servicer shall ensure that it will accept and continue to process pending loan modification requests .... and that it WILL HONOR TRIAL AND PERMANENT loan modification agreements entered inot by the prior servicer. It has been agreed and confirmedby BSI representatives that my required trial was completed with my XX/XX/XXXX payment. It was further confirmed in a XX/XX/XXXX email from BSI that they would honor my completed trial plan and move my loan to permanent resolution of a permanent DOJ Settlement modification adhering to the terms worked out for my loan on my behalf through the California Mortgage Modfication Monitoring office of the California Attorney General office. As early as XX/XX/XXXX, at their request, I provided BSI DOJ Modification offer and approval documentation from XXXX XXXX XXXX ( prior Servicer ) as well details and emails between the attorney representative of the California Mortgage Monitor office of the Attorney General 's Office and XXXX XXXX XXXX authorized representatives including detailed permanent modification terms. Since XX/XX/XXXX to present date my permanent modification terms and documents have not been remitted to me and my permanent DOJ Attorney General modification per the Settlement and agreement with prior servicer has not been made permanent. I have waited patiently and with understanding as my requests for status, updates and expectation of my permanent modification have met repeatedly with the response that the BSI " underwriter is backed up. '' It is now XX/XX/XXXX and as my situation includes the special circumstance of being a Department of Justice Attorney General National Mortgage Settlement permanent modification term agreement I would hope for priority in processing and finalizing and that my mortgage should have been permanently modified before this timeframe.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My credit report has inaccurate accounts and personal info.

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 2020-01-03
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been in touch with Navient for the past 3 months regarding a private loan ( XXXX XXXX  ) that was included in my bankruptcy in XXXX ( at the time it was a XXXX XXXX   XXXX private loan ) this loan fell behind in XXXX and we are currently in XXXX well past the Michigan statute of limitations. I am constantly told that this private loan is unable to be discharged and that the statute of limitation doesn't apply ... how is this? Also the school that I attended ( XXXX College ) when this loan was initiated is now closed down and they are saying they have no knowledge of the closure. I am attempting to purchase a home and this private loan is showing on my navient account as past due which is preventing me from obtaining a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: SYNCHRONY FINANCIAL
State: PA
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:
About the first week of XX/XX/2022, I tried to use my amazon store card from Synchrony Bank the card was Declined? Logged in to Synchrony Bank and noticed that my Account With Amazon Store Card was CLOSED? then as I went through the ( 11 ) credit cards with Synchrony Bank had Been Closed? I then called Synchrony Bank was transferred to several agents, which got me no where!! except they said a letter would be sent to me explaining what has happened? then on about the XXXX day of XX/XX/2022, I received ( 11 ) letters from synchrony Bank each letter was for each credit card with synchrony Bank, their reason states the Following : '' After a Review of your account, Synchrony Bank has decided to close your account. The Reason ( s ) for our decision are activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. 
I have had these accounts for several years, all with low balances, most of which I never carried any balances, nor have I ever been late at all!! All my accounts on my credit reports show over the past 5 years have never been late EVER!! I have tried to reach out with Synchrony Bank to talk to them about these ( 11 ) Letters on these counts but NO ONE WOULD TALK TO ME, THEY JUST HANG UP ON ME!! I don't feel im being treated FAIRLY!! This is why ive reached out here with this Complaint.. Sincerely 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 2015-12-24
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have attempted to access my credit report multiple times. The information that they use to verify your identity is completely NOT MINE. I have requested they fix this, most recently a month ago. This has been going on for years. There is another person in a neighboring city with the same name as I have, but without the suffix XXXX. I am attempting to verify and I have included the questions below, which none apply to me : Your credit file indicates you may have a mortgage loan, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX OF OKLAHOMA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE What is the total monthly payment for the above-referenced account? 
{$1300.00} - {$1400.00} {$1400.00} - {$1500.00} {$1500.00} - {$1600.00} {$1600.00} - {$1700.00} NONE OF THE ABOVE Your credit file indicates you may have a retail card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE Your credit file indicates you may have a bank card, opened in or around XX/XX/XXXX. Who is the credit provider for this account? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE OF THE ABOVE THEY REFUSE TO FIX IT. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: AMERICAN ADVISORS GROUP
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My insurance company mailed a check to me to be endorsed with my signature and my contractors name told asked me to send it to AAG for information that I had filed a claim for damage sewage and Repairs of my home. AAG open another claim and kelped the check. I have been sending requested Documents, phone calls, left voicemail message sense XXXX AAG promise the check has been approved to be returned and will be sent to me soon. Because of this ordeal from 2022 XXXX to XXXX I am broke and living in a hotel with no fund to pay contractors for repairs. AAG scam me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: EQUIFAX, INC.
State: FL
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:
An accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXDEPT OF ED. Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Recently, I notice a collection from XXXX XXXX that show XXXX past due. This collector is attempting to collect a debt that I am not liable for because I was not XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The details of my complaint can be found in the XXXX attachments. I am not very good with the internet so please let me know if my attachment process has failed XXXX XXXX XXXX XXXX XXXXXXXXXXXX ). 

We were referred to XXXX dba New American Funding by my broker XXXX XXXX of XXXX XXXX, Wa. XXXX XXXX XXXX XXXX reviewed all our information and qualified us for the purchase of a {$400000.00} house this XXXX and issued a guaranteed lock in XXXX XXXX with a close on XXXX XXXX. 9 days later XXXX XXXX admitted to her negligence and, instead of resolving her negligence legally, began a process of bait and switch. As of this writing, it appears that XXXX XXXX will default on her committment, causing us to lose the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: Regional Processing Services
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was contacted by Regional Processing Services regarding " an urgent matter. '' The person on the phone asked for my social security number and claimed no information would be provided to me until I gave my complete SS number. I refused, asked them to stop calling, and requested written notice of the " matter '' they are calling about. The caller hung up without verifying my address. Since this incident, I and my family members have received numerous calls.

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