BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: Brightfunders, LLC
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/XXXX  XXXX 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 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX CHAPTERBANKRUPTCYDISMISSED XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$590.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony bank ( formerly GE credit ) closed my account two months before the rewards payments were to be paid. I was in a " chat '' discussion with a SYNB associate expressing my displeasure at the new policy of not making statements available online. I stated that I did not wish to do business with SYNB due to this policy. The " chat specialist '' was supposed to connect me to a phone call to inquire about my cash rewards on {$10000.00} of purchases, but instead was disconnected. When I called back the person told me that the account was already closed and my cash was forfeited! My bill was already scheduled on the due date of XXXX of a payment in full for the full statement balance, but did not include pending charges. I want my rewards and a method of payment for the bill that will be due in XXXX. I have not received any further correspondence other than " Thank you for chatting with us ''. Synchrony Bank AKA XXXX Bank XXXX GE Capitol, GE Credit is a disreputable business which preys on consumers who are the most vulnerable and least suspecting. It seems that they do NOT care about their reputation and have already been fined and brought into class action lawsuits, but continue to defraud consumers. It seems that it is more profitable pay out millions in fines and continue the unscrupulous conduct than to change these practices. Please crack down on these crooks and put the word out there to department stores who are drawn in by promises made by these crooks.

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 2016-09-15
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX of my Barclaycards ( XXXX XXXX and XXXX Visa ) were recently closed for undisclosed reasons. I always paid my bills on time ; never a late payment and always followed their terms and conditions. I had XXXX XXXX points which is equivalent to {$120.00} which I earned through purchases as well as XXXX XXXX points ( {$1.00} ). These points are owed to me and I would like them credited. Quite honestly I believe this financial institution is pulling a bait and switch and am not pleased with their actions. I am strongly considering legal actions.

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 2016-01-08
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2015, my wife and I traveled to XXXX XXXX NV to celebrate our XXXX wedding anniversary. I used my Sam 's Club XXXX XXXX # XXXX XXXX on the XXXX to purchase dinner ( {$60.00} ) and, at the airport for XXXX shuttle bus transfers ( {$40.00} ). On the XXXX I used the same card at breakfast in the XXXX XXXX ( {$10.00} ). Later that morning my wife and I went to a vendor to purchase show tickets. After waiting in line for XXXX minutes, I presented my Sam 's Club card for payment it the transaction was denied. My wife stepped up and presented her Sam 's Club XXXX card for payment and her card was also rejected. We were now forced to call the bank, put on hold for XXXX minutes, only to find that there was some " unusual '' active in my account??? The rep then reads me all of my charges asking if that was a valid transaction. I reply " yes '' to all of them and my account was reactivated.I my opinion this bank is not to be trusted. I do n't believe anything they say .My XXXX transaction is XXXX XXXX is rejected? I ask where is the " unusual '' activity? Buying show tickets in XXXX XXXX? The simplest software would show XXXX XXXX XXXX XXXX traveling to XXXX XXXX. She bought drinks on the flight. I buy shuttle passe and dinner in a large Hotel. It looks to me like the XXXX are in XXXX. This bank is doing something illegal and I hope your organization can do something about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 recently received a copy of my XXXX, XXXX and Transunion consumer report. I noticed some accounts being furnished on my consumer report without my consent as the CONSUMER!! 

XXXX XXXX XXXX ACCT # : XXXX This company is in clear violation of the LAW!. Pursuant to 15 USC 1681b Permissible Purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I NEVER gave anyone written instructions to furnish this account on my consumer report!

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 2019-05-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX  credit card posted 2 debts on my XXXX, XXXX, and XXXX credit reports. I asked them to verify this information from XXXX and they could not. I was notified in a few months of its removal. It is now showing it is from Portfolio Recovery opened XXXX XXXX in the amount of {$480.00}. I notified them that this was removed and that it should not be on my credit report but I have not heard any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
A tax lien from the state of Georgia was reported on XXXX/XXXX/XXXX for the amount of {$1200.00}. I made payment arrangements with them and it was released XXXX/XXXX/XXXX. According to the credit reporting agencies the lien should have fallen off 7 years from the original report date ( XXXX/XXXX/XXXX ). It has not come off of my credit report. I have tried to dispute it with the credit agencies and was told to speak to the state of Georgia. I spoke with them and they told me to speak with the credit reporting agencies. It has run it 's course and I would like for it to be removed from my credit report with all three agencies please.

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 2020-08-13
Company: LD Holdings Group, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XXXX of XXXX with LoanDepot. My mortgage is escrowed. They have collected over {$22000.00} from me for escrow and have not paid my home taxes. 
I have been trying since XXXX of XXXX to resolve this. I was told in XX/XX/XXXX taxes were paid however they have not been. 
I started emailing and calling again in XXXX of XXXX with no resolution. 
LoanDepot tried telling me I was not on the deed however that is inaccurate information and I have provided them another copy of the deed as I am the only person on the mortgage. 
With the late fees the tax balance is now {$10000.00}. 
I have talked to multiple people, and have received emails as well however the taxes have still not been paid.

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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX  XXXX {$4500.00} XXXX XXXX {$1000.00} XXXX XXXX CHAPTERBANKRUPTCYDISMISSED XXXX XXXX XXXX {$2000.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} XXXX XXXX XXXX XXXX {$590.00}

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 2017-03-03
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This has been on my credit report for two years. I have disputed the item over and over ; and now it just re apears as " new '' every so often. I have tried to contact the creditors inquiring as to what this is for to which I am met with different answers and an unsure avenue about how to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
Around XXXX/XXXX/16 I recieved a Barclay card and immediately started making purchases on the card raising my balance to about {$1300.00}. Next thing I know my credit score dropped around XXXX points, when I went to see why I found that Barclay had reported to credit agencies that I had a balance of {$1300.00} but my payment was n't due for another 3 weeks. When I contact Barclay to find out why, I was told that every purchase made is reported. I immediately paid the card off in full about 3 weeks before the due date and to this day Barclay has not removed that balance from my credit report. Barclay reports charges but not payments. The Barclay XXXX Card XXXX ruining peoples 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 2015-08-20
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
On my XXXX XXXX gas credit card statement dated XXXX/XXXX/2015 I noticed a fraudulent charge on the account. The fraud occurred on XXXX/XXXX/2015 for the amount of {$120.00} at XXXX XXXX New Mexico for XXXX gallons. 
I immediately called the card service account telephone # on XXXX/XXXX/2015 when I discovered the fraud on my card. I was routed through an incorrect maze of telephone numbers in XXXX & always ended up at same department. I requested the card # be closed & a new card be issued to me, as the previous card had been cloned & compromised. The bank service company closed the account, & continue to harass me for more detail about this event. 
I have made numerous telephone calls to try & resolve this matter, but the credit card account personnel are incapable of helping me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09
Company: 21ST MORTGAGE CORP.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Purchased modular home in 2000. I was in my twenties at the time and agreed to an extremely high interest rate in hopes of refinancing later. Couldn't find anyone to refinance a modular home. Original loan amount was {$53000.00}. 20 years later my balance is {$42000.00}. Last months payment of {$670.00} ( which included an extra {$50.00} ) was divided {$150.00} towards principal and {$360.00} towards interest. My land which is not financed is also collateral. The company constantly harasses me even when my payments are on time or agreements have been made and kept, calling multiple times a day. I have tried speaking to them about options to reduce interest and they talk over my head trying to confuse me until I give up. At this point in the loan, I should be seeing more towards principal. Even if I continue to make regular payments of {$620.00} for the remainder of the 10 years of loan ( 120 months ) this would amount to {$75000.00} when I owe a balance of {$42000.00}. A difference of {$33000.00}. It isn't adding up and I am unable to get the answers I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

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 2022-01-05
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
LoanCare , LLC ( https : //www.myloancare.com/ ) services my home mortgage loan. I have not been able to log in to my account. After many hours on the phone and talking to several different people, including IT support specialists, I was still not able to log in. They confirmed that I am using the correct user ID, confirmed my phone number, email, and loan number, but were not able to allow me to log in to my account. I was told the issue would be resolved but still have not been able to log in. I'm submitting this complaint in case this helps identify a pattern with this company. I'm not sure what else to do.

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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received credit monitor alert for things I have no knowledge or applied for. Sunrise Credit Services is attempting to collect a debt that is not mine and is due to identity theft.

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: CITIBANK, N.A.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a loyal customer to Macy 's Department store. Recently, I have been paying my credit card on time, sometimes in full. I had some financial difficulties in the past. I managed to improve my finances. I was downgraded from a XXXX credit limit to XXXX. I spoke with Ms XXXX ID XXXX XXXX department after not being instantly denied an increase, but, they need more information. She explained to me that I could not get an increase from a XXXX XXXX  credit increase based on my past credit report. She did not even take the time to do a thorough assessment to see my credit improvement. I would like an audit to compare if I am being treated fairly based in the fact there is a pandemic and I'm believing some people my owe more and have financial hardship are give more leniency with the financial status. I am trying to support Macys as I know stores are closing and assist the economy, but, they are not assisting me. Im sure college students are getting credit cards without a job status with higher limits. But, Macys reward me as a platinum member without the platinum status.

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 2015-07-09
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I received a bill in XXXX year olds name for a surgery he had on XXXX/XXXX/2015. Im not sure how they put the bill in my sons name since im the person who filled out his paperwork. So I called them after getting the bill and informed them that my son is only XXXX and that they need to put the bill in my name. I gave them all my information and the collector said that she would remove XXXX name but she never did and I kept receiving collection calls for my son and each time they said they would correct the problem, In total I received XXXX calls for my son who by the laws in XXXX you can not collect or enter into a contract with a minor, So when they called today I talk to XXXX who ask to speak to my son and told me it was a personal business matter. I asked the name of the Company and yes you guess it XXXX. I then ask for the Manager ( XXXX ) and told her that I was going to file a complaint if they do n't correct the billing and she laughed and hungup in my face. I then called back and spoke to someone XXXX who said that she was correcting it. I then told her to send me a new bill showing the corrections

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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 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 2020-08-13
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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 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: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT HAS BECOME SO OVERWHELMING TO ME BECAUSE OF THE FACT THAT I KNOW FOR SURE NONE OF THE ACCOUNTS RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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