BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2021, we were finalizing a refinance to pay off our prior mortgage with Flagstar Bank. Our new mortgage received a pay off letter on XX/XX/2021 good until XX/XX/2021. In it was listed the total principal balance of {$320000.00}, interest due from XX/XX/2021 to XX/XX/2021 of {$970.00}, a recording fee of {$120.00}, and a per diem of {$39.00} if the payment was received after XX/XX/2021. In total, the full pay off up until XX/XX/2021 was {$320000.00}. Our new mortgage was completed and on XX/XX/2021, payment was sent to Flagstar for a total of {$320000.00} which included interest paid until XX/XX/2021. However, payment wasn't processed until XX/XX/2021. After all funds were allocated, Flagstar decided that {$16.00} was still missing and removed this from the escrow account that same day. The only way we found out about this was by logging into our account online, we weren't made aware of this issue. 

Since becoming aware of this issue, we have reached out to Flagstar many times but to no avail. The specific dates are XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and today, XX/XX/2021. Each time, we have spoken with a representative and their corresponding supervisors who have confirmed that something is wrong and the math doesn't add up. However, the specific departments that need to investigate this, the cash operations and management teams, aren't reachable to us by phone and have given responses that don't clarify why they believe there is no issue here. We have even asked for them to spell out all of their calculations so that it is clear why we are wrong but they have failed to do so. The only response provided have been inadequate and state that we are wrong ( they are right ) and that the month of XXXX doesn't end on the 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 2021-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing XX/XX/XXXX. 
XXXX XXXX ( XXXX ) - Delete this account because the date opened on XX/XX/XXXX is incorrect. XXXX is showing a date of XX/XX/XXXX and you are showing 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 2021-04-26
Company: CCS Financial Services, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is STILL an account on my XXXX and XXXX reports, for {$1400.00}. Original creditor : XXXX. I did not open this account. If one was it was without my consent/knowledge. Neither company has presented proof of ownership nor debt validation. I have been trying to obtain both for almost a month now. Still nothing. XXXX 's reason for no proof : their " contracts '' are online only and that literally anyone can open an account in anyone 's name. They suggested a police report be filed. This account originates in mid XXXX! I am not responsible for this account, period! I did not open this account and I did not know about it until end of XXXX, XXXX! CCS claims that it's valid because they apparently sent me letters about the account. Again, no proof or copies of those either. I never received them! Either CCS and XXXX, produce the proof of ownership I've requested several times, take it off all of my reports, or I will be forced to seek and take legal action. Its ridiculous that they have produced nothing, yet it's still on my reports, except one. Why was it removed on one but " valid '' on the others. After repeated disputes with XXXX  and XXXX, and complaints filed against both companies with XXXX there has still been zero action take. At this point I feel slightly failed by both credit bureaus. It's not ok that companies with zero proof of debt ownership, admittedly so, can still try to take money from me, and there is nothing being done to help me. I hope this issue can be resolved as soon as possible.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is reporting debts on my account that I do owe. I never received any phone calls or any written notice of this debt. I found out of these collections when I checked my credit. I immediately contacting them to verify & pay the debt if it was mine with no luck. They never answer the phone. It has been very stressful and difficult to communicate with them. They are in violation of my 30 day right to dispute, and this collections need to be removed off my 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 non-monetary relief
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 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 2021-10-26
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Several Wells Fargo reps have replied to below complaint by either referring to prior replies which state checks in question show as cashed and or verify address sent to... I can assure the CFPB I reviewed all replies and none of them address issues including non-receipt of payments which are inadequate, do not offer reasonable settlement offer, do not address IRS reporting of missing payment.. Wells Fargo reps continue to refer back to past replies which either refer back to prior replies or state checks cashed and or verify address sent to... It appears no one on Wells Fargo side appear willing to move on the matter, simply want to refer to past replies... 
Wells Fargo reps reply to below issues by referring to prior replies which either state the payments in question show cashed or address verified. The payments may show cashed in which case, not by myself.. As stated numerous times prior, the payments were sent after I moved from address at XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , CT XXXX. I moved in XXXX of 2020, payments in question including amounts of {$3700.00} plus IRS taxes and {$500.00} plus IRS taxes were sent months after I moved and as far as I can tell, cashed by another party in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX I've explained this in prior complaints, needless to say, Wells Fargo reps have not addressed issues.. There is mention of a letter signed which was not by myself, agreeing to payment amount of {$500.00}, also sent to old address after moving.. I can assure the CFPB this letter was not signed by myself.. Further, the amounts in total, {$4200.00}, do not cover damages sustained as result of Wells Fargo reps opening various checking/savings accounts which I did not need or want..I 've called the executive phone bank with Wells Fargo numerous times, given various bogus/incorrect numbers for Remediation Dept for unauthorized accounts. It appears Wells Fargo reps are trained to provide wrong numbers in order to dissuade customers from reaching correct dept. In order to locate correct number, I had to call XXXX, the company whom issues checks for Wells Fargo, given correct number which I've been calling on and off with no resolution ... I've spoken with several supervisors including XXXX and XXXX, requested whereabouts of checks, reasonable settlement offer, new claim rep assigned... To date, nothing done in re to any of those three requests.. Please note, the payment amount of {$3700.00} was reported to IRS for tax year 2020 and needs to be updated to show no payment since it was not received/cashed by myself. Failing to honor this request, Wells Fargo is liable for interest and fees charged by IRS, should my return be audited for not reporting such payment..

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 2023-11-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Improper use of my credit. In accordance with the Fair Credit Reporting Act, this creditor violated my rights. Under 15US Code1681 Section 602, states : I have the right to privacy, 15USCode1681 Section 604A Section 2.It also states that a consumer reporting agency can not furnish a second account without my written instructions. Under 15USCode1666B, Creditors may not treat a payment on a credit card account, under an open a Consumer Credit Plan, as late for any purpose. 
This includes my Synchrony Home, My XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ). Any that I may have missed, but posted on my credit report as late. Please clear this up. Thank you 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 2021-04-27
Company: CITIBANK, N.A.
State: OH
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:
BEST BUY/CBNA Account Number XXXX closed my account due to covid 19 and my income was affected. I was on a payment plan with best buy but due false information the account was never reopened

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 2023-08-08
Company: Experian Information Solutions Inc.
State: NY
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 no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-07-04
Company: EQUIFAX, INC.
State: CA
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:
According to 15 U.S.C. 1681 ( A ) I have the right to 100 % accuracy on my credit report.

Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX XXXX  account # XXXX reported inaccurate information on my credit report, I HIGHLIGHTED all inaccurate information on the report. 

15 U.S Code 1681 s- 2 - responsibilities of furnishers of information to consumer reporting agencies section ( 1 ) ( a ) states : A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASON TO BELIEVE THAT THE INFORMATION IS INACCURATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I had reported my card as stolen after being XXXX for XXXX months and chase XXXX XXXX stated because the person who stole my card is a past partner of mine that the purchases must have been authorized. Per contract authorized user are only those stated on the account. I requested a new card be sent out after reporting it stolen. I was kicked out of the house in which the card was mailed to. I immediately called chase once email verification of the card being delivered was received. I informed them I was not at that address and do not have the card. They stated I must have it because it was activated. I informed them I had none of my personal property including the cell phone with the account on it. My ex had activates the card and used it. Chase is admitting to having evidence of the fraudulent purchases. I've been fighting with chase credit card services since XXXX of 2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I applied for a Sam 's Club Credit card in XXXX or XX/XX/XXXX. I was told at this time I could use the temporary card immediately. I assumed that my membership number with Sam 's Club would be the credit card number. This was my mistake. I made two on line payments through XXXX XXXX  for purchases made. When I received my credit card from Synchrony Bank I realized my error and wrote a detailed letter to the bank explaining my error and asking that the {$110.00} payment from XX/XX/XXXX and a {$250.00} payment from XX/XX/XXXX be returned to me. I gave them my Sam 's Club account number to assist them track the payment. I also paid these sums when I received the credit statement not to be delinquent. I contacted the banks complaint division and talked to numerous managers over the past 8 months trying to resolve this issue. I contacted XXXX XXXX and had a three way conversation with Synchrony Bank, Representative 's from XXXX XXXX XXXX on line payment centeXXXX verifying that the payments where made and received/cashed by the bank. The Bank constantly had additional questions and when I requested thaXXXX XXXX XXXX ( who I made the payments through ) speak in my behalf ; this was denied. The last two conversations I had with Managers at Synchrony Bank said that they would ask that the money be returned to me immediately since it was taking too long to resolve and the second Manager ( when I did not hear anything concerning the return of my funds ) said that she found that the dollars where applied to the wrong account and she would correct this. That was 2-3 weeks ago. The account in question ends in XXXX as referenced in the banks letters constantly stating they are looking into it. I have made minimum 10 calls and everyone I talk to says they will requests the problem be taken care of but nothing is ever done. ( No one has the power to resolve the issue ) I am asking for your help. This has been going on for over 8 months and this bank owes me this money and I believe has treated me poorly.. They would be charging me 20 % interest if I had not made the additional payments which where not credited and I believe I have done everything within reason to resolve this and am being ignored by this institution. 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 monetary relief
Consumer complaint received 2019-07-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Please see the attached letter. I have told Wells Fargo before in writing to stop calling and to communicate in writing only, yet yesterday on XX/XX/2019 while with my family they could not help it but to communicate. This is a violation of The Do Not Call List, The California Rosenthal ACT ( RFDCPA ) and TCPA 1991. See attached. 

I expect this matter to be settled or I will file a lawsuit.

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 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-11-11
Company: Experian Information Solutions Inc.
State: IL
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 talked with representatives from Experian, XXXX, and XXXX on XX/XX/2022, regarding the possibility that my consumer file might contain fake accounts. I requested that the accounts be deactivated because I didn't know anything about them or how they got there. All three companies gave me the go-ahead to complete the FTC report and submit the required paperwork. On XX/XX/2022, I submitted my letters by certified mail. The accounts were somehow " confirmed, '' despite the fact that they are not mine and had been on my report for more than 30 days after I sent my letters. Because it prevents my family and I from making purchases, this problem frustrates and enrages me. On XX/XX/2022, I got in touch with the three companies once more and asked how they could prove that these accounts belonged to me. They merely stated that they were unable to assist further and advised me to talk with the creditors directly. It didn't surprise me when I attempted to get in touch with each creditor who had been falsely asserting on the consumer file that they were not aware of me or the accounts. I was forced to use the CFPB website, just as some of my friends had advised me to given the situation. I sincerely hope that information is helpful since my family and I are attempting to submit an application for a house.

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 2021-08-23
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:
I am writing to dispute late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with XXXX XXXX for a car loan that I recently paid off. I have never been late and have always made arrangements if there was having financial difficulty. I have contacted the company several times and mailed proof of payments every month I've had the loan. They are unwilling to remove the late payments.

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