BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have been getting assistance from the homeowner assistance fund since XX/XX/XXXX. I had a forebarence that ended XX/XX/XXXX. The assistance has been sending XXXX XXXX  monthly since XX/XX/XXXX. My mortgage went up on XX/XX/XXXX. 

Here is my issue : The mortgage went up around {$500.00}. I cant get them to take all the money thats been sent to cover the payments. They keep using the assistance as coverage for fees, escrow deposits, and or additional principal. 

I want all the money sent in from the homeowners assistance fund taken to cover XXXX, XXXX, and XXXX payments. There is enough to cover all 3 payments. I want my credit bureau reporting updated to paid on time. I also dont want to go through this anymore. Starting in XXXX I will have to send the additional to the {$1100.00} for the mortgage increase. I hope they can add my payment to the assistance without me calling every month. 

I have called many times for this and even sent them an email on XX/XX/XXXX to which I never got a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I received an email from Synchrony Bank congratulating me on my new card ( related to Walgreens ). I did not apply for a card and in fact my credit is frozen. I called Synchrony to report the fraud on XX/XX/XXXX. They gave me a reference number ( # XXXX ). I am still getting emails congratulating me on using this card. 

My Wallgreens reward account was hacked- they left my information intact but changed the phone #. I changed it back to mine, then called Walgreens and asked them to permanently delete my account. This was done this morning ( XX/XX/XXXXXXXX  ) In my opionion their security is extremely lax. I knew someone was using my rewards account and I reported it to them multiple times, but no action was taken. The user lives in Illinois while I live on the west coast. 

I tried contacting Synchrony Bank again today, XX/XX/XXXX. I called twice and both times they said the connection was bad and they couldn't help me. There is no way to report this online with their bank. All services are provided to account holders and no place to report fraud other than what I have already done. 

I have added a fraud alert to my credit report with all three bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting 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:
Well, I already reached out previously about unrecognized credit reports on my account. I got a XXXX point deduction on my XXXX and after reporting this to you guys the ( Consumer Financial Protection Bureau ), the case was resolved and I got my XXXX points back on XXXX. But then on Thursday, XX/XX/2023, upon checking my credit score again, I still saw another XXXX point deduction on my XXXX for no reason. And the hard inquiry from XXXX XXXX which they got back to me saying they would remove is still on my credit report. I will attach the document they provided. And I wanted to kindly ask if you could restore the XXXX points that were deducted again on XXXX as well as remove the hard inquiry from XXXX XXXX XXXX I've had no late payments on my credit and I'm still working hard to ensure that no payments are turned in late.

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 2018-03-27
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX years old and on Social Security. As recently as yesterday morning I received a threating call from a XXXX XXXX in New York claiming he would sue me, ruin my credit, and step up harassment if I didn't pay {$4000.00} which was accruing interest daily. 

I have received over sixty calls from this person. I can not verify that he maintains a license as a debt collector in the state of New York. Sometimes he uses the name XXXX XXXX, other times he uses XXXX XXXX, and still other times he identifies himself as being from XXXX. XXXX XXXX. I received one letter from him that had two different logo 's, one was an XXXX under another, but both appeared to be third generation photocopy letterhead on the same page. 

I have contacted XXXX XXXX directly who advises the account owing {$4000.00} is now paid off. We also satisfied another XXXX XXXX charge from purchases made in the XXXX. 

XXXX XXXX certainly feels to me that he is acting with the profile of a scammer. I would like him and any associates to stop the intensive calling. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On my credit report is National Credit Adjusters for XXXX I wrote a certified letter asking them to validate the debt because I had never been contacted nor did I owe this kind of money to anyone. There was no reply. It's been a year and still no validation. I called and they said it was for XXXX XXXX. I haven't had a XXXX XXXX loan... ever. I even checked my bank account to be sure and nothing for the last 10 years has ever been deposited in my account from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 ACCOUNT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-27
Company: Continental Finance Company, LLC
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:
Continental Finance is in clear violation of this section of the law ( 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX Consumer Report on ( XX/XX/2022 ) without my authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines. It has been more than XXXX days since they were notified of their violation and they have not provided me a copy of my written authorization I gave them or permissible purpose.

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 2020-10-01
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 have follow-up with XXXX XXXX XXXX and consumer reporting agencies ( FAX, Trans UNION and they do not want to removed the 30 day late in my account when I paid before the due date which did not go over 30 days late. This letter is a formal complaint that XXXX XXXX XXXX gave inaccurate and incomplete credit information as reported for my account with Trans Union as CREDIT BUREAU reporting agency. Please review my 30 day late payment for XX/XX/2017 and I was never late in 2017 for the monthly payment in XX/XX/2017 and update Credit Bureau 's as it effecting my mortgage loan refinance in these uncertain pandemic period. This letter is a formal complaint that you have inaccurate and incomplete credit information as data furnisher to the Credit Bureau for my closed/terminated XXXX account : Name of company that reported the late item ( XXXX XXXX XXXX  ) Reason for dispute : ( NEVER LATE - 30 DAYS ) XX/XX/2017 Payment Date : XX/XX/2017 XXXX -- -- -- -- -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- -- -- > Amount {$620.00} Payment Date : XX/XX/2017 XXXX -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$580.00} Payment Date : XX/XX/2017 XXXX -- -- -- > Amount {$600.00} Payment Date : XX/XX/2017 XXXX -- -> Amount {$600.00} Please update COMMENTS / REMARKS on ACCOUNT with STATEMENT ( PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE ). When XXXX XXXX XXXX as the data furnisher transmit the customer data to the credit bureau before 30 days the customer will be considered late on their

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 2023-02-20
Company: EQUIFAX, INC.
State: FL
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, 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. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Also 1581 U.S.C section 604 A section 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: PNC Bank N.A.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The issue today is money ; specifically {$360.00}. This is the amount that I was unfairly charged by XXXX of XXXX in XXXX, Florida. Immediately after that charge was made, I went to a PNC branch in XXXX, FL to have it stopped. The employee there told me they stopped the charge. About two weeks later, another PNC Bank employee at a bank in XXXX, FL told me that PNC bank can not stop the charge but can put in a dispute. I gave PNC all the information they required. I heard absolutely nothing for the next few months. When I went to a branch, I was told nothing, I received no mail whatsoever, no text, no email, no nothing. 

PNC WAS TOLD NOTHING BEFORE XXXX BECAUSE THEY FAILED TO COMMUNICATE ANYTHING WITH ME DESPITE ME GOING INTO BRANCHES MULTIPLE TIMES. 

Much to my chagrin on XX/XX/2019, I was informed that PNC took back the credit and the reason was because I did not submit supplementary information. No one said anything about supplementary information. There were months full of chances to do that. Needless to say, I was an extreme financial emergency that day. I had a banker in XXXX get me the number for the corporate office and explained to them that I did not receive anything asking for more documentation and that it is ridiculous that here in 2019 with all the methods of communication that are available to us, PNC is still using the US Mail. I have placed at least half a dozen complaints with the postal service for lost, misdelivered, opened and misplaced mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi on XX/XX/2023 I noticed two transactions for {$410.00} & {$310.00} for XXXX which was made on my alliant credit union account. My phone and wallet were both stolen from my car and I tried to explain that to the fraud department but I was told the IP address matched so there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX 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 2023-06-18
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 knows 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 explanation
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made my payment in full online and I don't know what happened but after the payment about a week I reviewed my statement and what it showed was not what I had spent.

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 2019-04-01
Company: Ditech Financial LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My previous lender is reporting my mortgage as " included in bankruptcy. '' Per my attorney if a debt is reaffirmed at the same time as your bankruptcy it is not included in the bankruptcy. I have sent the reaffirmation to Ditech Financial showing that the reaffirmation was included along with the bankruptcy, so it was not included. 

XXXX is reporting it correctly. Ditech financial refuses to change the reporting to now included with bankruptcy.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I submitted a complaint on XX/XX/2023 complaint ID # XXXX. 
The complaint was closed and I received a letter from B of A dated XXXX XXXX stating that the block on my account has been removed and that they had received validation of my card account which resolves the reason for the block and that the remaining funds were now available for use. So once again I use my card for an online payment on XX/XX/2023 in the amount of {$250.00} which the payment was successful. 
Then I send my girlfriend to the B of A atm to wthdrawl a {$1000.00} and it declined. She then tried {$800.00} and it declined. I then call the card and it ask me to verify the transactions which I did and then it stated my card was now ready to use again. So I try again at the Atm and it declines. I call the bank and they say they have to verify who I am I answer all there questions and once again they tell me that I have to go into the bank with two forms of ID in order to be able to use my card again. I told the rep that I had already been through this and that B of A had already sent me a letter stating that the block was lifted. The rep stated there is nothing she can do I just have to what the bank is asking. So I decided to let the card rest and the next day XX/XX/2023 I was once again able to use my card to pay my phone bill for {$110.00} which the payment was successful. So once again my girlfriend goes to B of A ATM and try to withdrawl {$1000.00} and it declined. So she tried {$500.00} and it declined again. So I recevied an email asking me to verify transactions so I did that. Then the Rep said they have to verfy who I am. So I answer all there questions correctly the only thing I dont have is a phone in my name for them to verify and send a one time text to. So they said I cant be verified so I asked to speak to a supervisor and I explained everything to her and she stated she cant discuss nothing with me until I am verified again. I even explained to her that I had already received the letter from B of A stating this has been resolved and my account was unlocked and that I have even been able to make 2 purchases prior. The supervisor hung up on me and now my card is completly deactivated again.

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 2023-07-11
Company: Experian Information Solutions 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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that these information is 100 % true, accurate and correct. 
My credit report is showing late payments XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the companies customer service representative. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION.

I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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 2023-07-07
Company: Credit Corp 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 recently reviewed my credit report. A Company called credit corp solutions is reporting on my XXXX credit report. The account number is XXXX. The debt reporting is {$360.00}. I am not liable for this debt with XXXX. I do not have a contract with Credit Corp Solutions. They did not provide me with the original contract as requested. I demand this account be removed as it is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
HSN credit card transitioned from XXXX to Synchrony bank per the Synchrony bank rep who called me for past due. I told him I never received notice or an email regarding the transition and that I had to set up a new account through Synchrony. 

He said he understood this but I was past due and that they reported every 30 days to the credit bureau. 

I think there should be some grace period for transition and I am not going to pay the late fees. 

I bet they are making millions off all the HSN cc card holders who did not know this was happening.

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