BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have previously submitted disputes on my credit report as a result of identity theft and Equifax has not deleted the disputed items, when I dispute they have remained on my report without explanation or method of verification per FCRA Section 611. The items I am disputing as a result of identity theft are : - XXXX , XXXX - Identity Theft - XXXX, XXXX XXXX XXXX - Identity Theft - XXXX, XXXX - Previously deleted and reinserted without notification. Also not my account. 
- XXXX XXXX - Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My husband and I had a judgment made against us in XX/XX/XXXX. In early XX/XX/XXXX we made a settlement agreement with the collections company. We were able to pay off the account in full in XXXX. We both then received letters confirming our account was " Paid in Full. '' ( see attachments ) In XX/XX/XXXX, my XXXX account showed a new account open in collections for a new amount ( {$1000.00} ) as well as a drop in my credit score. I called the collections company listed and confirmed it was the same collections company representing the original company. They told me to call the original company about the issue. Shortly after the phone call to the collections agency, the reported open collections account disappeared from my credit report but my score was still lowered. In early XX/XX/XXXX the same thing happened. A new amount was listed under an open collections account ( {$1000.00} ) and my credit score dropped again. Same collections agency listed, same original company. It then disappeared again but my credit score remained lowered. This judgment was made in XX/XX/XXXX and we have had no further business with this company. It was settled and closed in XX/XX/XXXX. They have no reason or cause to continually be reporting open accounts on my credit report. I have not been notified in any way of having an account be at risk of being sent to collections. My husband has had no such issues with his credit report. It seems as if I am being targeted. This is greatly affecting my credit score as it lowers my credit score each time it happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Case # XXXX & XXXX, I received the attached email from ocwen ; the outcome did not resolved the matter. I have been going back and forth with Ocwen for the past seven month and it is unfair to me. I 've struggled and paid my mortgage on time for the past years & I deserved my fair recast.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: SYNCHRONY FINANCIAL
State: NC
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 noticed a collection account with Synchrony Bank on my XXXX   and XXXX XXXX credit reports on XX/XX/XXXX. Investigation indicated this was a XXXX XXXX charge account. I immediately filed a dispute. During a recent mortgage process, I was told the collection account remains on my XXXX XXXX report and is now showing on my XXXX report. I have filed another dispute with XXXX XXXX ( XX/XX/XXXX ) and an initial dispute with XXXX ( XX/XX/XXXX ). 

My credit report shows the account opened on XX/XX/XXXX with the first delinquent date as XX/XX/XXXX. The credit limit is reported as {$1200.00} with a charged-balance of {$380.00}. 

I have attempted several times to contact Synchrony Bank regarding this but have yet been able to speak to someone. Despite calling during their business hours as stated not their website, I am told to call back during normal business hours. Or, If I get placed in a call queue, I am disconnected. Certified letters will be mailed to Synchrony Bank on Monday, XX/XX/XXXX, to the two different mailing addresses I have been provided. 

My wife and I have excellent credit scores ( XXXX ), at least until this point. It is extremely frustrating that we continue to have to address this issue. And it is infuriating that we can not speak to someone about this! And even more so when an internet search indicates this is an on-going issue with Synchrony Bank and this XXXX XXXX  charge card. 

Equally frustrating is that we also have several other charge accounts held by Synchrony Bank, all of which have our current contact information and an excellent payment history, and not once has anyone attempted to contact me/us about this charged-off 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 non-monetary relief
Consumer complaint received 2016-08-12
Company: Seterus, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After losing my job and finally getting reinstated and making payments, XXXX added a series of garbage fees and then turned my loan over to Seterus last year. It would allow me only a 40-year mortgage, when I had only about 12 years left on the original. I accepted it because they threatened foreclosure and I thought I was out of options. I figured I 'd pay it a little bit then sell. But that means that less than {$100.00} on an $ 1819 monthly payment is going to pay down the mortgage ; about half of that {$1800.00} goes to taxes at the moment. Then suddenly this summer, Seterus reported that I owed an extra $ XXXX more on my mortgage, meaning it appears that my mortgage got bigger and I 'd paid nothing off. Three weeks ago, I faxed a request for an explanation ; Friday they pretended they 'd just received the fax the previous day. So my credit is damaged because of the higher total showing, and I ca n't get an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion and XXXX  are still reporting inquiries Ive disputed. They recently removed some but failed to remove one from XXXX XXXX on my Transunion report and XXXX XXXX XXXX  XXXX and XXXX from XXXX 

Also XXXX is showing a new collection account from XXXX that I have no knowledge of. 

XXXX is also reporting my balances on specific accounts incorrectly with XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. These accounts have not had balance increases and should reflect balance decreases as they do with the other credit bureaus such as Transunion and XXXX. XXXX continuously reports late information.

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 2020-01-13
Company: Eastern Account Systems of Connecticut, Inc.
State: WV
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:
Amount of debt {$120.00} : I have disputed with XXXX XXXX, XXXX, sent certified letter to the debt collector ( Eastern Account System ) on XX/XX/19, asking them to verify the debt with my signature and/or provide names and address of person who verified the debt. NO response. 

Eastern Account System just continue to verify as accurate on credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: CHECK INTO CASH INC.
State: OH
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:
Recieved payday loan amount of XXXX from. Filed bankruptcy in XXXX and asked rep at Check into cash would this effect my credit No was her answer and now XXXX this inquiry is there. XXXX XXXX  was the creditor that was listed on the credit report however I've never heard or been contacted by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: Experian Information Solutions Inc.
State: NV
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:
i have a listing for the removals to the three credit bureaus.

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 2020-09-02
Company: BARCLAYS BANK DELAWARE
State: VA
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:
I contacted the XXXX XX/XX/XXXX in reference to an account with Barclays. After the XXXX contacted them I got a call from someone in HR 3 weeks later saying they were working on my complaint and someone would address it in a few more days. I called back several times before I reached someone who saw the notes on the account indicating a settlement offer could be initiated. I was told the settlement offer was {$1100.00} and it could be sent overnight to XXXX XXXX XXXX XXXX DE XXXX. I was pre-approved for my mortgage XX/XX/XXXX. I was told this account was still showing an open balance of {$2500.00}. It was never updated to " balance XXXX, settled for less than the full balance. On XX/XX/XXXX, myself, my lender, and the credit department from my lenders office called on a conference call, and was told the payment was received and I owed nothing. Fast forward to Monday XX/XX/XXXX I called Barclays inquiring about why the debt hasnt been updated on my credit report and I was told because I didnt pay the entire balance. I asked the rep to review the notes on the account, which she did. She came back and apologized after seeing the notes, gave me a reference number XXXX and no explanation as to why 3 months have passed and this has not been updated on my XXXX credit report. They acknowledged the payment had been received and I know it was received because it was sent certified mail. I need it DELETED from my credit report at this point. Calling is a hassle because a person will be transferred 3-4 times before getting to the correct department and the problem still will not be resolved.

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 2021-03-25
Company: EQUIFAX, 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 {$10000.00}, {$3300.00}, {$240.00}, {$890.00}, {$510.00}. 
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 ) -- AUTO LOANS OR LEASES 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account. 

4. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

5. XX/XX/XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$510.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TD BANK US HOLDING COMPANY
State: MA
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: Problem with personal statement of dispute

Complaint:
XX/XX/20 I applied for a personal line of credit from TD Bank XXXX XXXX XXXX, XXXX, Ma for $ XXXX. I have a $ XXXX personal line of credit which is paid off and I was going to close. I called XXXX at the branch on XX/XX/20 and he said my application was denied without a reason. I called XXXX at the Loan department and she gave the following reasons : 1. The Term was not requested ; 2. Insufficient Credit ( that I dont have previous unsecured loan ) ; 3. Have product already. 1. I explained to XXXX that the new employee taking my application did not ask me for a Term and XXXX said that I did not need a term for a PLOC ; 2.  I explained that I have relationship with the TD with a $ XXXX PLOC and that 3. I was planning on closing the $ XXXX PLOC. I asked what my credit score was and she said she could not see it but when I called XXXX back he said it was XXXX. XX/XX/20, I received the denial letter from TD and it states the following reason No Credit File/History and your credit score : XXXX. My current credit scores are : XXXX : XXXX ; XXXX : XXXX and XXXX  : XXXX. I do not understand and I feel that I am being discriminated against and I will be filing a discriminating claim with MCAD and Massachusetts Attorney Generals Office. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have advised Equifax on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX. I have never paid the XXXX XXXX   account late, I have never paid the XXXXXXXX XXXX account late, I have never paid the XXXX   account late. Equifax has yet to prove how they received this inaccurate information, and have not corrected the information following my proof that the information is inaccurate. Please help me get this matte resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: CITIBANK, N.A.
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After repeatedly calling Citi for 6 months trying to resolve my concerns, I submitted a complaint against Citibank in XXXX ( CFPB Case # XXXX ). In response to that complaint, XXXX XXXX, a Client Liason from the Executive Response Unit responded stating Citi would honor my request for XXXX Thank You points and that those points would be deposited in my account in 30 days. I had been paying a $ 30 monthly fee on my account waiting for Citi to award the points. I finally closed my account on XXXX XXXX in order to avoid any more fees. On XXXX XXXX, 2016, I called Citi to inquire about the points. I spoke with XXXX, a customer service agent and XXXX, a supervisor. XXXX informed me that there was no record of Citi 's letter stating they would give me the points and even going so far as to insinuate that I had created the letter myself in order to defraud Citi. A copy of the letter is posted on the CFPB website under my Case #. I have literally spent hours on the phone trying to take care of this matter myself. I am frustrated that it takes hours and intervention by the CFPB to get Citi to make good on their promises.

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 monetary relief
Consumer complaint received 2020-01-13
Company: Navient Solutions, LLC.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
THIS PHONE NUMBER /BUSINESS/DEBTOR IS CALLING FOR A FORMER EMPLOYEE ( SOMEONE BY THE NAME OF XXXX ) AT THIS JOB. IT IS NOW MY WORK NUMBER AND THEY CONTINUOUSLY CALL EVERYDAY INCLUDING SUNDAY AND AT LEAST TWICE A DAY ( SOMETIMES 4 TIMES A DAY ). I HAVE ANSWERED SEVERAL TIMES REQUESTING THAT IT BE REMOVED AND ADVISED BY THE REP THAT IT WOULD BE REMOVED ONLY TO HAVE IT CALL EVEN MORE TIMES A DAY AND MORE FREQUENTLY. THIS IS HARASSMENT AND IT NEEDS TO STOP IMMEDIATELY. 
THANK YOU IN ADVANCE!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
We were denied a claim for {$1500.00} for excess wear and tear. We extended our lease for a XXXX XXXX XXXX XXXX and were not informed that it would affect our excess wear and tear charges, which we paid coverage for. The car was returned on XX/XX/XXXX and a new VW lease was purchased on the same day. We were charged the same monthly payment amount for the extension of the old lease. We were still paying towards excess wear and tear coverage and it should have been covered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-21
Company: Army and Air Force Exchange Service
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland

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 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was unaware of this debt and did not have the opportunity to dispute it. Never received and notification of debt. Please remove ASAP and I'm not familiar with these accounts : 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 2016-02-03
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
These inaccuracies are damaging my credit score which is causing me serious personal and financial hardship. 
I am, therefore, requesting that your agency assist me in this matter. 
For the past several months, I have been disputing several inaccuracies that are XXXX in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. I Also send the my statement and the letter from the court telling that they are not reporting to the credit bureau and you also have both copy Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX Bureau : Equifax Account Name : JUDGEMENT Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: Convergent Resources, Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, Convergent Outsourcing Inc ( COI ) added an account of {$770.00} to my XXXX   and XXXX reports from the original creditor XXXX. This is an old account that has been disputed, deleted, and now reinserted back onto my reports this year. Based on FCRA, its unlawful for them to add old accounts back without any notification within 5 days and i received no notification. I have disputed this account again with the creditor and the credit reporting agencies to validate this information and no response have been provided. Due to that fact, this negative information can not be reported back onto my reports and need to be removed based on reinsertion rules in the FCRA.

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 2020-03-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX A collection agent for XXXX XXXX XXXX XXXX  XXXX . 
I was offered a settlement amount of {$5300.00} Paid in 3 Installments ; XXXX {$1700.00} XXXX {$1700.00} and XX/XX/XXXX for {$1700.00}. After my final payment I was to receive a letter stating the debt was paid in full And a XXXX balance due would be indicated on my credit report. 
The day my last installment was processed, XXXX XXXX  recalled my debt from the creditor And went back on the agreement XXXX HAD MADE WITH ME. The agreement made with me, which I have in writing is not being honored and XXXX is only deducted the money I paid to leave a balance of over {$9000.00}. Still owed. 
I sent the letter and the evidence of the installments paid by my bank to EXPERIAN and they updated my file but it does not reflect the agreement made with me by XXXX while working for XXXX. 
Can you please require XXXX to honor the arrangement made with me Thank you f

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