BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am writing to report a scam that I believe I may have fallen victim to. On [ date ], I received a phone call from a person who claimed to be from XXXX. The caller said that I had a debt on my Tjmaxx reward card and that I needed to pay it immediately. The caller gave me their phone number, which is XXXX, and their XXXX ID number, which is XXXX XXXX XXXX. 

I was suspicious of the call, so I decided to look up the XXXX ID number online. I found a website that said that the number might not be the real XXXX ID number for Tjmaxx. I also found a website that said that there have been reports of people being scammed by people who claim to be from Tjmaxx. 

I am concerned that I may have given my account number, bank name, and routing number to the scammer. I am worried that the scammer may use this information to steal money from my bank account. 

I have already contacted my bank and placed a fraud alert on my credit report. 

I am writing to you to ask for your help in investigating this scam. I would like to know if the XXXX ID number that I was given is the real XXXX ID number for Tjmaxx. I would also like to know if there have been any other reports of this scam. 

Thank you for your time and attention to this matter.

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 2022-12-19
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 a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief
Consumer complaint received 2021-02-11
Company: Experian Information Solutions Inc.
State: OK
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 requested the removal of inaccurate information on my XXXX  Report and Experian report on approxiamely XX/XX/2021. This information was showing a collection from XXXX for an invalidated medical collection. XXXX  removed the inaccurate information within days. Experian has failed to remove the information or give information on why they allowed the information to stay on my credit report. I demand this information be removed from my credit report immediately. XXXX has failed to validate the debt and the debt is not a valid debt. How can transunion figure that out, and Experian just says it was denied. I demand validation.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to dispute some hard inquiries that appear on my credit report, which are unauthorized and inaccurate. I have no recollection or knowledge of authorizing hard inquiries by these companies. Upon reviewing my credit report, I noticed these unauthorized inquiries : -- TRANSUNION -- 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 2022-04-03
Company: AES/PHEAA
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: Account information incorrect

Complaint:
My account need to be updated to a XXXX balance paid in full because Fed loan could not provide my original instrument documents they sold it to another company. I sent letters to them and they couldn't respond properly. I need my account updated asap!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
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:
I have sent complaint about the unauthorized inquiries on my report which violated my consumer protection right but for some reason the inquiries still show on my report, In Accordance with the FCRA section 611 for inquiries this companies violated my consumer right please kindly remove. 

1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 XXXX XX/XX/XXXX XXXX XXXX 3 XXXXXXXX XXXX XXXXXXXX 4 XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 5 XXXX  XXXX XX/XX/XXXX 6 XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The vehicle was returned at the end of the lease. NOT repossessed. I have asked both the car company and the credit bureau to correct this error on my credit report. This should not have a negative effect on my credit as it was not paid late and was returned as per contract. 


XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$17000.00} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {$17000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 3 yrs, 11 mos ) Term24 months ( 2 years ) PAYMENT HISTORY Last paymentXX/XX/XXXX Payment status -- Worst payment statusNo Info ACCOUNT DETAILS Account statusClosed TypeAuto lease ResponsibilityIndividual RemarksPayment after Repossession Paid repossession Times 30/60/90 days late0/0/0 ClosedXX/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 2022-12-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company I never heard of reported a medical debt on my consumer report claiming I owe them but never sent me and documents to prove how I owe them or any type of verification I have requested several times directly through usps mail and have been ignored since XX/XX/XXXX. They are also reporting inaccurate incomplete information they are reporting the account opened up XX/XX/XXXX but payment history only shows from XX/XX/XXXX. According to 15 U.S.C 1692g- validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One has failed to provide requested information showing a close out check was cashed by myself, funds received. Capital One rep by the name of XXXX replies by either stating check will not be reissued, despite the fact funds are still owed to me, conveniently twisting it around or marks the complaint as duplicate to avoid providing requested information.. The check in question was cashed by a third party without my consent or permission while I was on vacation, funds stolen. I've provided proof of whereabouts time check was cashed, check copes showing forged signature, statement from hotel where I stayed as well as statement from driver whom picked me up on XX/XX/2018 ... Capital One reps choose not to review this information, knowing it proves I did not cash check or receive funds. I request any information Capital One has with regard to cashing of check in question, any proof of receipt of funds. I suspect Capital One rep will do the same, mark complaint as duplicate or reply by stating check will not be reissued. If marked as duplicate, complaint will be resubmitted until information is provided as requested. The check amount is {$4200.00}, intercepted and cashed on or around XX/XX/2018, possibly XX/XX/2018. I was in XXXX XXXX from XX/XX/2018 to XX/XX/2018, did not receive check, sign or cash it. No refunds received from it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2020 I was made aware of fraud and a lawsuit from Santander Consumer USA in regards to the dealership that I bought my car from. In reading the court documents I was made aware that there are 2 unknown files that was submitted to the financial department at Santander and I am sure they are aware or have some dealings with this matter. I am asking for BOTH files with only the information I submitted and NOT tampered information that was falsely given to them. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, insane interest rates, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties my vehicle will be repossessed. I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus that has been sold and illegally reported to Third Parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i did not authorize any of these hard inquires so i would like these to be investigated asap and removed please. 

XXXX XXXX XXXX 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 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 2018-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
XXXX, Transunion and XXXX have deleted an account off of my credit report not once not twice but three times and have been deleting the account and then a month later re-adding the account back onto all 3 of the credit bureaus. The account is XXXX XXXX. This has been going on throughout XX/XX/2018. The account was just added back onto all three credit bureaus after being deleted for the second time last month in XXXX. This is ridiculous. It sinks my score the more they delete it and re-add it. Once an account has been deleted that should be final.

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 2023-05-24
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been calling since XX/XX/2023 about my escrow payment going up. I discovered my county tax office removed my exemption in error. I immediately had it corrected and submitted documentation to Rocket Mortgage showing they have revised my tax bill and issued a refund for overpayment as well as corrected next years tax bill. I uploaded it while on the phone with the representative who told me to give it abut a week to update. 

Since then I have gotten the runaround and told a variety of things, such as it takes 30 days to update or it's being reviewed on the XXXX all while it states on the portal that I must make a decision about what to do with the escrow overage by XX/XX/XXXX, but then goes to NOWHERE for me to select one. I have called asking for help on XX/XX/XXXX, XXXX, XXXX, XXXX and now today, the XXXX. 

I can not afford this new amount and I can not pay it. I have never missed a payment and nobody is working to get this resolved. I will be in foreclosure within 2 months if i'm forced to make a payment that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: FIRST HORIZON BANK
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I received the below email regarding needing a XXXX for 5 weeks. I've received the payment to book the service in addition to funds for transportation while in the city. I took the {$4200.00} check to my bank representative XX/XX/XXXX XXXX on XXXX XXXX XXXX, TN XXXX and was asked verified the account with thier XXXX XXXX XXXX XXXX XXXX   XXXX prior to depositing. She didn't call me and so I called the bank on XX/XX/XXXX confirmed all was correct. I advise the client service was confirmed with {$640.00} deposit and advise on the remainder deposit for the chauffeur service. The next day I was asked to XXXX the chauffeur deposit {$3200.00}. I received another call and text that they will need to cancel, keep the nonrefundable deposit and XXXX the remainder balance. My account was debited for {$3200.00} through XXXX XX/XX/XXXX. On XX/XX/XXXX I received a cash back of {$4200.00} and {$16.00} service fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-08-16
Company: Experian Information Solutions 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX. How did the student loans ended on my credit report? They do not have a place here. 
It could be that this creditor just made a mistake because the loan is in deferment. Please remove the multiple entries on student loan! DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT EDXXXX XXXX, DPT ED/XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT EDXXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX, DPT ED/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, I have made multiple attempts to reach out to Equifax to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Equifax has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. 
There is absolutely no valid excuse as to why Equifax has refused to respond. I would appreciate your help in resolving this issue and making Equifax comply with the federal laws made to protect consumers such as myself. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please Remove these accounts from my credit and remove these addresses and inquiries from my credit too. These are not mine.

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