BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-08
Company: Aspen Yo LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received my annual escrow account disclosure statement XXXX XX/XX/2021. The statement reported that I had a surplus of {$470.00}. It stated that they would be sending me a check for the surplus. I never received a check and it is still showing in my escrow. On XXXX I contacted them via phone and received a callback. When I asked them about the statement and the check, she said that since it was so long ago that she would have to check to see if they would still be sending me a check and that she would send an email to that department. When I told her the surplus was still showing in my account she stated that she would still have to send the email. I asked how I was supposed to know what the answer was and she just stated that she would keep an eye on my account. 

**Another issue is that this company canceled my escrow for my homeowners insurance. I asked her why and she stated that they could do that if they wanted to. I asked her to please send me something showing that they could do that and she stated that I would have to submit something in writing to them in order to receive something in writing from them. I made a previous complaint on this company regarding their failure to pay my taxes and insurance. I believe they canceled my escrow due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have multiple accounts through Synchrony and today ( XX/XX/23 ) I needed them to apply the payment I made yesterday sooner than usual since one of my pets was having an unexpected medical procedure ; I needed the payment applied to my Care Credit account. I contacted Synchrony through the chat feature and when I spoke to one rep they said the funds would be available. When I went to pick up my pet the funds were not available and Synchrony would not make them available even though the funds had been transferred from my bank to Synchrony already. With other Synchrony accounts ( Sam 's Club ) they apply the payment IMMEDIATELY so I'm not sure why Synchrony would not do the same in this instance especially after I asked if the funds would be available and was told yes they would be.

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 2018-11-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
The Credit reporting agencies are preventing me from obtaining any credit whatsoever by not furnishing an accurate credit score. With this, I can not build a credit history. Experian for example, when I go onto their site, check my score and they show can not be shown. However when I go to the score tracking they have it shows a score XXXX as of XXXX XXXX shows me to have a score of XXXX ( via XXXX XXXX ) and XXXX a score of XXXX. I do have a credit monitoring service and all my reports are good to exceptional with the exception of History. Yet, these agencies are not accurately showing lenders my score. These Hard Inquiries are hitting my credit report in a very negative way. I got a pre-approved credit card offer with a credit line of {$500.00}. Good to start with, so after I gave them all my information, they DENIED ME because of the misinformation XXXX provided them. After reviewing my reports, there is absolutely no reason for denial. So this is an unfair practice. And with all these Hard Inquiries, it looks bad on my report and furthers the denial decisions! I told them to take them off, and they refused. Companies like this has a very adverse effect. I apply for a loan or a credit card knowing I have the funds to pay off AND Sill I'm denied. This is totally unfair! Also, XXXX made a grave error by giving XXXX XXXX my score as being XXXX instead of the XXXX in which I have.

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 2019-09-07
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/19 I used my debit card at a restaurant, I spent {$14.00}. After that transaction, my balance was positive. I would not have been able to make the transaction if I didn't have enough, and my card would not have worked. On my statement, it shows that after the charge of {$14.00}, my balance was {$18.00}. In spite of that, on XX/XX/19 I was assessed an over draft fee of {$32.00}, with the bank saying I overdrew the account. Then again today, I was assessed another {$32.00} fee, on a transaction I did on XX/XX/19. I paid for my XXXX XXXX , {$29.00}, and when I did that, my balance was sufficient. On my statement, it shows that after the debit of {$29.00}, my balance was {$6.00}. Now 2 days later, they tell me it was not. I know it was. I called the bank tonight, and the representative told me my account was overdrawn by me, both times. It was not. I believe what they are doing is holding transactions in a pending status, both debits and credits, and then processing them in a way that creates an artificial overdraft. The representative put me on hold this evening and came back saying that AS A COURTESY she would reverse one charge, but not two. This is ridiculous. If one of these charges is reversible, then both of them are. Courtesy is not why they are willing to reverse the charges ; they are hoping to make me feel lucky to get back even one of the charges. This is NOT RIGHT. I want my {$64.00} back, and I want them to stop this unethical and nefarious practice. They need to be penalized for tricking people!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
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: Information belongs to someone else

Complaint:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
Company: Experian Information Solutions Inc.
State: MO
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:
Yet again for the 4th time today Experian closed another complaint without addressing the problem XXXX is it possible that this company can steal someone's payment history which will be go on 19 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 explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
This is not a dispute request but a complaint that my rights as a consumer have been violated under the FCRA because I have NOT HEARD ANYTHING from the bureaus in 90 days regarding my dispute and I have sent two dispute letters requesting an investigation to the following accounts : XXXX  XXXX  Account Number : XXXX, XXXX Account Number : XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-12
Company: EQUIFAX, INC.
State: KS
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:
Please be advised over the past 4 months I have filed 4 complaints and  this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 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 am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My name is XXXX XXXX and someone stole or somehow got my card in some drive thru or something and sent themselves {$500.00} through XXXX XXXX on my wells fargo account without my permission

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 2020-09-23
Company: Westcreek Financial
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XXXX XXXX, 2020, I went to XXXX XXXX in XXXX, AR to purchase tires. XXXX XXXX offered financing through Westcreek Financial. The tires I needed for my truck are expensive so that seemed to be the best option. No information was given to me about the lease while in the store, nor was I given a physical lease agreement or asked to sign anything other than the form verifying my personal information. XXXX XXXX performed the service on my truck and sent me on my way. A few hours later I received an email saying I needed to sign the lease agreement. I never signed it. Westcreek took money out of my account every week for some time. When I had paid around {$700.00} of the loan I called to see how much remained, as plaza said my credit line was around {$800.00}. Westcreek then informed me that {$800.00} was the original payoff, since I hadnt paid it off in a specific amount of time the final price was now around {$2000.00}. I told them I wasnt given any information at XXXX, nor did I sign the lease agreement or even receive one until after I had left the dealership. Nonetheless I offered to pay the rest of the original amount and Westcreek denied. Given legal advice from a close relative, I was assured that I should leave it alone. I offered payment and it was refused. Westcreek also says they have a copy of where I signed the lease agreement, but that is absolutely impossible. On top of everything else, I asked them to stop calling me. Every day I receive around 3-5 calls from Westcreek. I was also legally advise that it was harassment. I have nowhere else to turn, other than hiring an attorney. If it comes to that point, Ill be ready. But Im trying everything else before. Thank you so much for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
being a loyal customer of XXXX XXXX i cant se why they cant let this slide ive been with them a long time an my payments were always on time i cant see how were having this problem over tax issues you could of let it slide because the bill doubled you cant expect normal person to pay up in liss then 30 days i never questioned you guys on payment amount.also why is it listed as XXXX and not XXXX XXXX as it should be also has incorrect amount owed by me wrong 2 mistakes

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 2023-01-12
Company: EQUIFAX, 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 2023-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

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. 
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. 

XXXX5 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 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items 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 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 2020-12-01
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Today, XX/XX/XXXX, I got an alert from XXXX XXXX, that a New Collections Account from Jefferson Capital XXXX had been added to my XXXX  XXXX file for an old XXXX XXXX bills, that I had previously disputed with CFPB back in XXXX. I have never received anything from Jefferson Capital and do not understand how they are able to add an item to my credit report without first contacting me so that I can dispute. I spoke with a Representative from Jefferson and advised that " I DO NOT OWE THIS DEBT TO XXXX OR TO JEFFERSON AND PLEASE VALIDATE THE DEBT ''. He advised that they are the owners and I now owe this factious debt, I still advised that " I do not owe this amount to you or XXXX '', please remove from my credit file for XXXX  ASAP. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company ( XXXX XXXX XXXX ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$450.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the past two years now, Equifax has refused to provide legally accurate updates regarding my true credit score as determined by my documented financial history with my student loan ( originally XXXX, now XXXX ) and credit card service provider ( XXXXXXXX XXXX ). 
I have previously had the same issue with XXXX, however, they recently have started providing me with timely and accurate credit score updates based on my documented financial trends. I have not missed a credit payment for over 4 years now, have an extremely low and recoverable debt ( especially since 1 of 2 debts is a suspended student loan, pending possible cancellation ), have made on-time payments, and kept my credit utilization to a low and safe percentile for the past several years, and my one and only credit card provider has raised my credit limit routinely, every three months, for the past two years. 
Attached is evidence from XXXX XXXX that my Equifax report does not match my XXXX report by an unacceptably large difference; please note which pdf file pertains to which Credit Reporting agency as determined by filename. My XXXX score has fluctuated, primarily positively, but also negatively, over the past year ; however, just like my last complaint to CFPB about Equifax, my Equifax score has unacceptably " not changed '', neither positively nor negatively over the past year. I am now absolutely determined to get this resolved and will be completely paying off the little debt I possess until my credit score is properly and completely corrected with Equifax. 
I have researched via XXXX that most people on average experience the same credit score between XXXX and Equifax, however, my XXXX and Equifax score have grossly differed for the past three years. It must be immediately determined what is preventing legitimate credit score updates, to me, from Equifax, as at this time I am by all means regarding them as being in a state of incrimination. Please investigate! Thank you.

Company response to consumer: Closed with explanation