BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/18 I contacted synchrony in regards to an account from XXXX that they never sent any information on or the card. They stated they mailed the card to an address that's not mine and admitted they recorded the card was mailed back by the USPS and never activated the account due to this. The supervisor " XXXX '' in Kansas refused to mail me ANYTHING about the account after numerous requests. I asked for any and all documents regarding the account but was hung up on by this supervisor. 

Never once in any of contact did they verify who they were speaking with or verify my address, new address, anything AT ALL. I could have been an identity thief, they didn't care. They refused to close the account, they refuse to mail me ANYTHING, and hung up on me when I said they were breaking federal laws.

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 2021-02-22
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare or XXXX XXXX is messing with the servicing of my mortgage. I have been sending my payments in like clockwork to XXXX XXXX for years now. Then I get a notice that LoanCare will now be servicing my loan at the end of 2020. I received no instruction on how to make future payments. I only got a welcome letter telling me to sign up for a new account at XXXX It's been months and I still am unable to get their new account procedures online to work. I have called their number, ( XXXX endured hours of a phone menu from XXXX and have gotten nowhere. I have been told they don't have all my information yet, the website is down and I am doing it wrong. That is a bunch of bologna! 

The latest is I am told my escrow went up {$130.00} a month. That is a 31 % increase!!! Michigan homestead is limited to a 3 % increase in taxes a year. There is something seriously fishy ... new loan servier but still have XXXX in the title?

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 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-24
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Around XXXX 2015 I could n't pay my auto loans and personal loans with Navy Federal due to having to give up my job due to a military move which I had paid for protection for to cover the costs but did not honor. They would call repeatedly threaten to garnish my wages, they blocked me out my checking and savings accounts. I went to cash a check they refused to give me the check back and made me make payments. I told them to pick up the car and they took a very long time to pick up the car. I had to call them about a year later because the car was still parked. After that it still took a few months to pick up. They sold the car which was in good condition for only XXXX when it was worth more than that. Leaving me with an XXXX balance on a 2015 car with no issues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: The Receivable Management Services LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I faxed a cease and desist letter to the receivable management @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against the receivable management. I requested that ability recovery services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from the receivable management and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on 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 2017-10-24
Company: CITIBANK, N.A.
State: GA
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:
Spoke with all three credit bureaus about old inquiries that were on my credit report that I did not authorize some from car dealers and XXXX XXXX XXXX and mortgage loans that I did not authorize was told to contact the companies which I did and still they refused to remove the unauthorized inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions

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 2019-11-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As a XXXX I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local XXXX XXXX, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Conn's, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For the last 6 days starting on XXXX XXXX they called 6 times, XX/XX/XXXX XXXX, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 6 times, XX/XX/XXXX 5 times demanding payment on furniture account. We have repeatedly asked them to quit calling us so many times a day. Told them that what they are doing is harassment and intimidation. They keep asking when we can pay and I keep repeating when I have the money even though It never goes a month overdue. The payment is due the XXXX of the month and if not paid by then the harassing phone calls start. Most if not all the calls are from foreign call center mainly XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
MY BANK IS NOT REPORTING MY PAYROLL TO MY XXXX App

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Per Gov. XXXX order, collection efforts are to be on hold for a minimum of 60 days during the pandemic. This company has continued to send me mail and phone calls regarding medical debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: WA
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 XXXX XXXX XXXX XXXX Account # XXXX, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was XXXX of the people whose data " was probably at risk '' according to Equifax. I placed a freeze on my account just because of this. Now I get a letter dated XXXX XXXX, XXXX from Equifax stating that there are now charges for unfreezing and refreezing. This would not be necessary, if they had taken better care of my data. I do not believe I should be paying XXXX per instance when I want to use my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.

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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute on my credit reports for a incorrect charge off/collections account and it has still not been removed from my credit report. The creditor purposely listed incorrect debt amount and reported the account as derogatory on my credit report. They have unfairly marked the account as bad debt and sold it to another lender. They have sabotage my credit report by listing false information and have damaged my credit score as well as my ability to get credit.

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 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
We purchased a complete XXXX package last spring and was sent a {$700.00} dollar reward debit card XX/XX/XXXX. During that time my wife 's mother became ill and had to be hospitalized. That involved several months and she later passed away. Then my wife and I got XXXX and that took up the rest of XXXX and into XXXX. She forgot about the card and ran across it in XXXX of this year. It was expired. We called XXXX and they say they paid the {$700.00} dollars to Bank of America and to call them. We called and told Bank of America the above. Customer service said she would issue another card with a new expiration date. She even confirmed the amount of the {$700.00} and stated it would take a week. It came in XX/XX/XXXX with the same card number but with a XXXX expiration date. We tried to activate the card on XX/XX/XXXX and they said it had a zero balance. I called back to Bank of AMERICA, but they said the money was taken by the bank because of the expiration date of the original card. They kept my {$700.00} and did not sent it back to me or XXXX. I think this wrong even in a normal year, but at least they should consider the year our country was in last year. All I'm asking for is the {$700.00} that was mine in the first place and not the bank '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 2019-07-17
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: Information belongs to someone else

Complaint:
Reporting agencies are failing over and over and over to remove fraudulent attempts to apply for credit because of a Security breach at XXXX XXXX XXXX in 2013, due to this identity theft. Despite my efforts of disputing this matter the federal court case remains as a public record on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
On or around  XXXX / XXXX /   17  I was reviewing my credit report and I discovered several  HIPPA ACT violations breach of third party  confidentiality. I have never done business with these companies listed. I have never signed a contract or entered into any verbal or written contracts with the following comp anies 1.   XXXX   XXXX   XXXX    XXXX     XXXX   HIPPA Act v iolated please delete.   2.  XXXX   XXXX   XXXX    XXXX  This account has never been validated please delete.   3. XXXX   XXXX    XXXX    XXXX   HIPPA Act violation please  delete.   4.  XXXX   XXXX   XXXX    XXXX   5.  XXXX   XXXX   XXXX  #  XXXX   HIPPA ACT  violation please delete.

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 2019-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Early this year in the process of me trying a buy a home, I pulled my credit report from all three CRA I noticed accounts that were not mine. one is a credit card account opened in my name XXXX of 2019 with a current total balance of {$710.00} reporting on my credit and another for XXXX XXXX with a balance of over {$1000.00}. I immediately took steps to correct this incorrect information. I have sent multiple letters, filed a police report, sent an Identity theft report all to no avail. Till this day, I have yet to receive any sort of verification or account information from both the banks and CRA 's. I have requested that this information be blocked and removed from my credit file. XXXX has completed it's investigation and deleted these fraudulent accounts off my credit file. It still remains on my XXXX and Trans union reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: Experian Information Solutions Inc.
State: AZ
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:
I have a membership with Experian Credit Agency where they show me what's on my credit report, recommendations to improve credit score, etc. They'd referred me to look into a personal loan with a company called XXXX XXXX. I'd been verified and preapproved -- everything indicating there would be a 'soft ' inquiry on my credit so it wouldn't impact my credit score. In sending the final information requested, paycheck stubs, bank statements, etc., I receive a response that indicates they ARE NOT going to be able to assist me with the personal loan ( of {$4000.00} ) AND I now have a hard inquiry on my credit report. 

Based on recommendations FROM A CREDIT REPORTING AGENCY, I actually decreased by overall credit rating!! 

In attempts to contact Experian to discuss this with them, you only have access to a series of voice mail prompts none of which actually give you the option to speak to an agent. 

I would like the hard inquiry placed on my credit report from XXXX, XXXX XXXX  is the servicing agent so I think that's what actually appears on my credit report. 

UPSET BEYOND BELIEF THAT AN AGENCY THAT IS SUPPOSED TO ASSIST YOU ACTUALLY HURT MY OVERALL CREDIT RATING.

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 2018-11-16
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
There is a Bankruptcy on my credit report that does not belong to me I have called the court house on the account and the bureuas regarding this the courthouse says they can not verify this and the bureaus are not doing anything about it. I need these off my credit report these are not mine and I dont have to pay for someone elses mistakes!!!! 

US BKPT CT NV XXXX XXXX  - Reference Number XXXX Also one account on my XXXX that is not mine and I dont even know what it iks for XXXX XXXX - Account # XXXX XXXX {$4200.00} Opened XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
There is a Bankruptcy on my credit report that does not belong to me I have called the court house on the account and the bureuas regarding this the courthouse says they can not verify this and the bureaus are not doing anything about it. I need these off my credit report these are not mine and I dont have to pay for someone elses mistakes!!!! 

US BKPT CT NV XXXX XXXX  - Reference Number XXXX Also one account on my transunion that is not mine and I dont even know what it iks for XXXX XXXX - Account # XXXX XXXX {$4200.00} Opened 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