BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: GA
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 been an victim of identity theft. I have filled a FTC report and and documentation of this to the 3 credit bureaus.

the credit bureaus are reporting accounts on my report that do not belong to me and also are showing inquiries that i did not authorize.

In addition the credit bureaus are reporting inaccurate information that do not match across all 3 bureaus. including the date the account was opened, the total amounts of the accounts, the last date the accounts were active. all of this information has been outlines and shown to the credit bureaus.

the FCRA clearly states the all accurate information must be posted on the reporting from 3 bureaus.

not only are these accounts fraudulent and do not belong to me but they are also inaccurate and display conflicting information as it pertains to dates, and amounts.

I have not been given any proof of my signature to authorize any of these accounts and i have not been provided information as to how these accounts have been verified the responses from the credit bureau are generic and automated. 

the accounts in question are : XXXX XXXX and XXXX XXXX fraudulent inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The initial date i sent a letter requesting this information and provided my FTC documents about my identity theft situation was XXXX, a follow up was sent on XXXX and again on 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 2023-11-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I was at the XXXX XXXX Truist Bank and used their ATM to withdraw {$180.00}. The ATM never dispensed my funds but the money was completed on my banks end. I am stuck in the XXXX airport for the XXXX day as I needed these funds to travel. I went to the branch manager who was extremely dismissive. I need these funds released back to my account so I can go home.

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 2018-10-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/18, I received a promotional offer via email from CareCredit Rewards. The terms of the offer were as follows : " Spend {$250.00} and Earn a {$25.00} Statement Credit* '' or " Spend {$500.00} and Earn a {$50.00} Statement Credit* '' on purchases now through XX/XX/18 ( *Excludes In-Network Purchases ). After registering for the offer, I spent {$560.00} on out-of-network purchases prior to XX/XX/18. On XX/XX/18 I received a {$25.00} statement credit. When I called CareCredit on XX/XX/18 and asked why I received only a {$25.00} statement credit rather than the {$50.00} statement credit that I had earned under the terms of the promotional offer, I was told that a {$50.00} statement credit would only be earned on a single purchase of {$500.00} or more. When I objected because that condition does not appear in the promotional offer that I received on XX/XX/18, I was told that my complaint would be reviewed by CareCredit 's marketing team ; and I would be notified of its decision within 10 days. As of XX/XX/18 ( i.e., 16 days later ), I had not received a response to my complaint ; so I called CareCredit again and was told that the marketing team had reviewed my complaint and denied it. In summary, I am owed an additional {$25.00} statement credit by CareCredit because I met the terms of its offer by spending more than {$500.00} during the qualifying period after registering for it ; and the offer did NOT indicate that {$500.00} had to be spent on a single purchase to earn a {$50.00} statement 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 monetary relief
Consumer complaint received 2021-01-05
Company: Mr. Cooper Group Inc.
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX XXXX to Mr. Cooper in XXXX after I completed a refi. Taxes were due in XXXX. Mr. Cooper never paid them. I received notices from XXXX XXXX, XXXX in XXXX that I still owed taxes for XXXX. I contacted Mr. Cooper and expressed the urgency of resolving this quickly so I would not take a hit on my personal income taxes due to not being to deduct the approximate {$5700.00} that was due. 

Mr. Cooper outsources escrow services to XXXX XXXX. They don't even have a number for their representatives to contact anyone from XXXX XXXX and only would allow me to contact them via email. They supposedly mailed payment to XXXX XXXX on XX/XX/XXXX, but can not or will not show me any proof of that other than a line item on my statement saying that funds were withdrawn. This left me in a position where I had to take personal funds to satisfy the tax obligation on XX/XX/XXXX to avoid further penalty. 

As of today, XX/XX/XXXX, XXXX County has still received the payment. I've in effect paid my taxes twice, once to Mr. Cooper through escrow and then directly to XXXX County. Mr. Cooper has been unwillingly to cancel the checks that are lost in the mail and refund my {$5700.00} that they lost. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
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  These inquiries above was made fraudulent on my account I'm asking transions to delete these inquiries off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Chase called to what they called evaluate my credit limits and allow I have a better credit profile now then I did when I opened the credit card they lowered my credit limit by 150 %. The person and I did not have a pleasant conversation as I was working at the time they called. When I tried to follow up with a phone call to a supervisor they told me the person making the call has the ability to raise or lower my credit limit as they see fit. For this reason I believe that the decision to lower my credit limit was personally motivated and not in line with credit limits extended to other customers with the same credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I am the co-signer of a loan for a XXXXXX/XX/XXXXXXXX XXXX XXXX ; a car leased by my daughter. On XX/XX/XXXX, she was involved in an auto accident and charged with a XXXX. This case is still in court and has not as yet been adjudicated. Around the time of her accident, her initial lease period was up, and not knowing what else to do, she verbalized a request for a six month lease extension. The car was impounded ( impound #XX/XX/XXXX ) and stored at a police lot. She was originally told that Chase would pick up the car and either have it fixed or auction it, or they would allow the police department to auction it. Three months later, we still don't know the status of the car as XXXX ( XXXX XXXX  ) the case manager.keeps telling us that she doesn't know what is going on with the car and has no answers to our questions. We have called her about eight times since late XX/XX/XXXX or earlyXX/XX/XXXX The only thing she tells us is that the bank 's attorney and the police department attorney need to talk to discuss what will be done with the car. This is told us despite the fact that my daughter 's attorney spoke to the DA, back in XX/XX/XXXX, and was informed that there was no issue with releasing the car and they sent paperwork to Chase months ago informing them of this. Meanwhile, they keep charging my daughter and expecting her to pay lease payments on a car that is no longer in her possession and never will be again. I feel that we are being held hostage by this situation, and no one is trying to resolve the matter in any kind of a fair or equitable way. Chase seems content to just keep stalling and keep charging us for a car that they seem to have no desire to do anything with except leave it in limbo forever. They have been anything but helpful and perhaps dishonest or at the least not forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My credit rating has been decreases due to delinquent payment. My credit rating was XXXX which was last year. My credit rating is XXXX now. I am in big trouble of buying a house. I need to close my escrow within 12 days from today. Per telephone conversation with the XXXX agency, my credit will go up in a week if I paid in full. I was able to pay XXXX dollars and try to save credit with the other Collection agency called XXXX on XX/XX/XXXX. I called AES which was my original student loan agency to explain my situation. I was told to wait 7 to 10 business days. I can not wait for them to investigate. My student loan was paperless and it was automatically deducted from the banking account there is no reason to have default payment on my record. There should be special circumstances for people like me to prevent lowering the credit rating for XXXX dollars. Now the XXXX dollars will turn to additional XXXX dollars per month with the sub primer mortage. Please help me to increase my credit rating so that I do not have to pay additional cost for the home loan or home loan rejection. Which means I may lose  my Honest money deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Experian Information Solutions Inc.
State: NJ
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:
OnXX/XX/XXXX and XX/XX/XXXX I sent XXXX XXXX a letter requesting for full disclosure and validation of the debt. I have since have received no response from XXXX XXXX or the Credit Bureaus in regards to this serious matter. I'm currently looking to refinance my home. This negative item that XXXX XXXX is reporting has exceed the legal time limit frame to prove that are the legal holder in due course of the account. They have continually disregarded my letters dropping my credit down 50 points for the last several months.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion XXXX and XXXX has lowered my credit score by XXXX points during the late XXXX and XXXXXX/XX/XXXX months. The Credit Bureaus has altered my score with the information that my school loan was scheduled for repayment back in XXXX. When actually I don't have a schedule repayment untilXX/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 non-monetary relief
Consumer complaint received 2023-08-28
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: Their investigation did not fix an error on your report

Complaint:
**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX XXXXXXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. XXXX has it as 60 days late in XX/XX/2022, XXXX 90 days, XXXX 120 days, then XXXX 90 days. Any reasonable person can see that this cant be correct! Then XXXX and Transunion has it completely different. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.

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 2018-04-12
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX 2017 we decided to take out a new home loan with Supreme Lending located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX, we were promised several different interest rates and finally 4 days before we closed we received documents to sign locking us into a higher rate without any explanation. The entire home buying process with this office was a disaster to include the loan processers were non-responsive at times to emails and calls up until closing date. Throughout the loan process simple things were not communicated with us such as ; exact close date & time, what additional documents needed/required, what type of loan approved for and something simple as what interest rate could we expect to be locked into. There were many clerical errors made in which held of the loan process and finally several of the staff were rude and unprofessional when they were contacted to obtain clarity.

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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 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 2022-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My credit report shows that my Kohl 's card is 30 days overdue and has an overdue balance of {XXXX} and the overall balance shows higher than the actual balance. This is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Card issuer closed my account without my knowledge or permission. I was not late or had any adverse reason to close it. When I called to inquire all they would say is that I closed it and if I wanted another card I would need to reapply like a new customer. This will hit my credit and affect it. I dont agree that I should have to apply again when I already have the card and applied & was approved the first time. I tried to dispute the closing of the card but the card issuer does not care and they are of no help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
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:
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. 

It is duplicate accounts on my credit reports also one account shows as a collection and charge off account with different amounts, dates also amounts paid as recent as XX/XX/2021 XXXX other dates as if to keep it on reports longer, amounts as small as {$3.00} up to {$100.00}. I did not authorize these accounts, inquiries XXXX XXXX XXXX are not mine nor the collection accounts are not mine and it's causing HARM to my CREDIT LIFE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: DISCOVER BANK
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:
Dates XX/XX/2020 and amount {$5500.00}. amount {$4500.00}, amount {$4300.00}, amount {$2800.00}, {$2700.00}, {$2700.00}, {$2700.00} and {$2000.00}. 

This account was an unauthorized account, I have sent letters to the company stating that the account was not mine. I demanded proof of my signature for the alleged agreement and the company did not respond to me. I sent 5 letter since 2020 to the company. There are laws stating that the company can not demand money of payment from me when account is unathorized. I have also made a police report while they still ignore me and this issue is hurtingn me as a citizcens.

Company response to consumer: Closed with non-monetary relief