BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: NY
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing to dispute the following information in my file. I recently received a copy of my Experian credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to the none of the aforementioned permissible. Please remove them. 

-XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX Inquiry : XX/XX/XXXX -XXXX  XXXX Inquiry : XX/XX/XXXX -XXXX XXXX, XXXX Inquiry :XX/XX/XXXX -XXXX  XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX Inquiry : XX/XX/XXXX -XXXX XXXX XXXX XXXX Inquiry : XX/XX/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 2019-12-13
Company: SYNCHRONY FINANCIAL
State: IA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
synchrony Bank has repeatedly called me and harass me when I tried to set up payment payment arrangements for all my accounts they told me they would call me back they never called me back and when I finally did call them they told me it wouldn't work

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 2021-11-21
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a notice from my mortgage company that I didn't have a homeowners policy in force. I responded with the attached letter dated XX/XX/2021. 

I recently received a notice from the insurance company that the insurance hasn't been paid and offered a payment plan ( see attached ) I also have attached the proof that Penny Mac has collected thousands from us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08
Company: Simon's Agency, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX and Simons Agency fail to valaidate a alleged debt owne for medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
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 did not consent to, or authorize nor benefit from any of the following information. 
XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-12-13
Company: Experian Information Solutions Inc.
State: UT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian sent a letter declining to investigate an inaccurate account on my credit report. Collection center has received a valid FTC report dated XX/XX/2019. Experian is violating the law by refusing to be NONCOMPLIANCE. Here is a copy of the response they sent to me by mail. Also a copy of the FTC report filed.

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 2021-11-21
Company: CBC Companies, 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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Performant Financial Corporation
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My wages are being garnished  by Diversified Collection Services Inc. They g ive me a number to call  XXXX , that number tells me to call the  XXXX .  XXXX  tells me to cal  XXXX  and we go in an endless loop. Before my wages were garnished I was never told how much I owe, nor how to get a copy of records relating to the loan, nor how to enter into a voluntary repayment schedule, norhow to request a hearing on the proposed garnishment. My balance has seemingly gone up, even though my wages have been garnished going on 7 YEARS. I just want to know if my balance is going down or how much interest I owe. ANY information at all would be wonderful, but I get nothing. Please help me.

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 2022-01-04
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Received a PNC bank debit card on XX/XX/2022 that was unsolicited and never applied for. Called bank and they said someone applied but the email was not one of ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-21
Company: I.C. System, 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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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 2017-04-24
Company: SUNTRUST BANKS, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On  XXXX , I signed a contract with  XXXX   XXXX   XXXX   ,   XXXX , to have my home painted with  XXXX . Shortly after the work was completed I received notice that the loan had been sold to   XXXX   XXXX  , a program of SunTrust Bank, a Georgia banking corp., in  XXXX , Georgia. My minimum monthly payment on loan #  XXXX   XXXX   XXXX   XXXX , was set at {$130.00}. Nearly every month I made payments of {$150.00}, but some months I paid double that amount, {$300.00}. In  XXXX ,  ( o r possibly sooner, not sure ), I started receiving notices by mail as well as phone calls that I was behind in my payments. I tried asking the callers how I could be behind when I was making payments that were in excess of the minimum due and was therefore, in reality, ahead of schedule. I was never given an answer. The only response from them was, " When are you going to pay. '' After several rounds of this I quit answering the phone calls. I continued to make 'extra payments but no matter how much I paid ahead, the calls and notices continued. In  XXXX , I sent a letter to  XXXX  outlining the payments I had made vs. the minimum amount due and showing the amount that I was ahead by. I have never been given the courtesy of a response. It should be noted that it was a long time before I started receiving a monthly statement. The first one I find in my file is for  XXXX . In  XXXX , I sent a second letter to  XXXX  with a {$500.00} payment. In that letter I reiterated the info and facts of the first letter as well as a request of credit for all late fees and charges I have made by their errors as well as a payoff amount for the loan. As of this date, I have received no response to either of my letters. I received a debt collection letter dated  XXXX , that states that I am behind {$260.00}. There is no credited acknowledgement of the above indicated payment of {$500.00}. On their paperwork they have indicated, " There is no prepayment penalty. '' Yet it is clear to me that I am being penalized for doing just that. I am at a complete loss as to how to have this problem rectified, thus I am contacting you because I want to pay off this loan. I want to pay what I owe but nothing more than that. Thank you for your time, interest and assistance in resolving this matter!                    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 2019-08-07
Company: MoneyLion Inc.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
MoneyLion is a new bank that was offering a 'Pave the Wage ' promotion to join. The promo was 17 % of initial direct deposit, up to a max of {$590.00}. I signed up and opted-in to the promotion and made my first direct deposit on XX/XX/2019. I never got a confirmation, so I emailed the company to make sure I was eligible. The reply states I would be opted in to the promotion. I then made continuous direct deposits of my pay every 4 weeks. The promo states the {$590.00} bonus would be paid at 90 days. 

It has been well over 90 days and no bonus. I tried to contact the company by email, XXXX XXXX, XXXX XXXX, and using their online help. I have not received a single reply. 

And, within the last week, the company raised {$XXXX} XXXX dollars and now has a valuation of $ XXXX. 

Terms : XXXX XXXX XXXX  Copy of email : XXXX XX/XX/2019, XXXX XXXX Hello, Thank you for your response! 

I have submitted your information to be included to be opted in. We appreciate your patience! 

Best Regards, MoneyLion Support Team

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXXXXXX XXXX XXXX, I placed an online order ( # XXXX ) with XXXX to purchase a wood chipper in the amount of {$1100.00}. I paid for this purchase using my Lowes Synchrony credit card. The estimated deliver time was two weeks. 
The credit card statement was received prior to the delivery of the item being delivered and I paid the credit-card off. 
The tracking of the purchase showed that the item was in XXXX for almost a month waiting to be delivered. 
On XX/XX/XXXX XXXX, I called XXXX  and spoke with XXXX who sent me an email stating my refund would process in the amount of {$1100.00} on XXXX On XX/XX/XXXXXXXX, I called XXXX and spoke with XXXX who sent me an email stating my refund would take up to thirty days to fully process. This is in conflict with XXXX policy for refunds as stated on their website at XXXX XXXX XXXX XXXX XXXX which states Purchases made with a debit card will be refunded as cash or credited back to the debit card, which may take up to 15 days. 
XX/XX/XXXXXXXX XXXX, A dispute was filed with Lowes Synchrony credit card and all of the supporting documents, including the emails from XXXX indicating they would be processing a refund were upload to the website. 
On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX  XXXX indicating that Great news! Your order placed on XX/XX/XXXX2021 was successfully delivered. Thanks again for shopping at XXXX  The item was not delivered. 
On XX/XX/XXXX2021, I received an email from XXXX with Synchrony XXXX asking for my feedback on how they did resolving my dispute. 
On XX/XX/XXXX, I called the credit card company and they indicated the case was closed as XXXX indicated that no refund was due. The claim was reopened, and I was told that it would take up to 90 days for the investigation. 
On XX/XX/XXXX, I called XXXX ( XXXX ) and spent over an hour on hold on the phone with an agent who said they were attempting to resolve the issue and never returned to the call. 
On XX/XX/XXXX, A dispute was filed with the Consumer Financial Protection Bureau

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 2022-09-15
Company: EQUIFAX, 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:
There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the inquiries and charge-off accounts. No changes were made. No investigation was conducted at all. Please remove and update these items immediately. Below are the inaccurate accounts on my credit report : Inquiries XXXX XXXX XX/XX/21 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with personal statement of dispute

Complaint:
I am a scam and Identity victim. Two people scammed me, took my credit cards, drivers license and open additional accounts in my name.     I filed reports with the following : Police, FTC, CFPB, The Attorney General and the  XXXX   county DA  office.     There are quite a few people who were scammed by  XXXX   XXXX  AKA  XXXX   XXXX   XXXX  and  XXXX   XXXX  AKA  XXXX   XXXX . There are  six peop le that have filed police reports on thes e two a nd we are all working together toward getting justice.     Now, I have disputed the charges on the Ban k of America CC. T HESE CHARGES ARE FRAUDULENT.     Ban k Of America ca me back with a statement and a copy of  XXXX  transaction telling me that this is my signature. Its very clear ... that its not my signature. I explained that to BOA and I was told they would reopen the investigation. That has never happened.     Since them I have been harassed to pay this since  XXXX     2016. (  10 months ) Despite the numerous letter and attempts to resolve this issue.     I will repeat myself, these are fraudulent charges on these  XXXX  accounts. Its time to come to terms with this.     The credit bureaus have removed the accounts. Now I request that BOA remove all fraudulent charges.     PS : I can provide witnesses and police report upon request.

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 2021-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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/21, I sent a letter, return receipt requested, to Transunion XXXX XXXX, XXXX and XXXX with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from Transunion and they only addressed one of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list three collections when they are inaccurate or invalid.

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 2018-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of Identity theft, I sent this company all the evidence that they needed to prove that I am a victim of identity theft and that accounts were fraudulently opened without my consent or authorization, I did not benefit with anything from this accounts opening, neither do I know who fraudulently opened this account. 
I sent this company my dispute on XX/XX/XXXX. But to my surprise, up to now, this account is still showing on my report. 
For YET another time, this account is fraudulent and I need deleting from my report file asap : XXXX XXXX XXXX : Account REF # XXXX, Highest Balance {$7000.00}, Opened Date - XX/XX/XXXX I am  looking at filing a lawsuit against this company if they continue to ignore my disputes and remove this fraudulently opened account from my credit report. 
I have enclosed herewith 1. Identity Theft Report 2. Proof of identity 3. Section 605B of the Fair Credit Reporting Act

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 2017-04-25
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXX   XXXX   debt and mortgage showing on my   XXXX   all  XXXX  matter fact i 've never bought a mortgage and   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 2021-11-21
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, my name is XXXX XXXX, and I am contacting you today because I need the following information deleted from my credit les. I have listed the items in this report. I'm a victim of identity theft and I did not make this charge. They are reporting inaccurate and fraudulent credit information on my credit report. 

These accounts should not be furnished on my consumer report as they are in violation!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a Federal Protected Consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : Account Number : XXXX XXXX Account Opened : XX/XX/2017 Balance : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} 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