BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Every month synchrony bank report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report. Meaning everytime synchrony bank report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 4th NOW TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor have they EVER responded within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing, after SEVEN MONTHS of disputing! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See Previous Complaint # XXXX I received correspondence from Loancare, and they sent me another standard letter. The problem with information stating that I missed one payment is still showing on my loan. Also, in the message, it said that my request had once was again denied for PMI removal. And that I could send {$420.00} to have my home appraised to calculate an accurate appraisal amount. I sent the payment to a separate location and waited for the 60 days to get contacted by the company. No one ever contacted me about the appraisal. I called today to inquire about the assessment, and once again, they applied the payment to my principal balance. When I made the dreadful call to customer service, I kept getting the sir I understand your frustration response, which they do not, or they would try to do more to help me. Again she stated that she could only put in a request for the internal insurance department to review the misapplication of payment. I again asked for someone to speak too that could resolve the issue ; I received, " They are going to tell you the same thing. '' I demanded to talk to her manager. I waited on hold for an hour, and a hostile manager stated that they could not do anything. I again demanded to speak to her manager, and she said there was no one else that could resolve the issue on this call, and there was no one else to talk with currently. After I debunked the incorrect response because there is someone that manages you, she said, your just going to wait on hold an hour again. I requested to wait. After the hour on the phone, someone picked up the phone and disconnected the call. I am more than fed up with Loancare 's ineptitude and will try CFPB one more time ; before I proceed with legal action. My expected outcome is to have the appraisal amount go towards my appraisal and to get PMI removed.

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 2017-12-06
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Freedom Mortgage Company
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Please investigate freedom mortgage. I have a mortgage that originated at XXXX and this company refuses to remove the MIP as I am now elligable at over 20 % equity and I meet all other requirements. The original loan number is XXXX XXXX / FILE NUMBER XXXX XXXX / MORTGAGE INS CASE NUMBER XXXX XXXX XXXX. Freedom mortgage is the refinance company and they have refused any assistance to make sure this MIP is removed in a timely manner. Freedom mortgage refinanced the amount of XXXX and they refuse to accept the original purchase amount of the home was XXXX. I meet ALL requirements and I have NEVER made a late payment in the history of this home purchase. 

This company has denied all attempts to have the MIP removed and they decline to acknowledge that I am eligible for the MIP removal. My current loan balance is XXXX and the original loan balance was XXXX. This company refuses to acknowledge that I presented ALL purchase documents to them upon the processing of the refinance with them which would very clearly show the original purchase amount and date of which they deny ever receiving. Given the math I need to verify that I am at XXXX LTV and there is no one to help me with this complaint of being ignored by this mortgage company. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: Experian Information Solutions Inc.
State: AZ
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:
I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a 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 2023-09-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX have noticed fraudulent accounts and unauthorized inquiries appearing on my credit report. I have uploaded a ftc report and personal identification below.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: MI
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 a 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 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 explanation
Consumer complaint received 2024-01-05
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:
LATE PAYMENTS BEING REPORTED DUE TO FRAUDLENT ACTIVITY not done by me. I had two credit cards with XXXX  XXXX, during my XXXX XXXX these cards were closed due to " fraudlent activity '' I was only notified of this after applying for a home loan, I called XXXX XXXX numerous times since I became aware of the situation to try to rectify the situation over a period of months, every time I call the customer service line I get a different story. I was told my account was not closed to fraud but due to returned payments to which I never received any notices of any account closures or returned payments. I am XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and no help has been extended to me to fix the situation then I was told an investigation was done an there was nothing I can do and their decision is final. One representative told me that if I pay the accounts off in full the derogatory information ( late payments ) would be removed and the account would remained continue to be closed, this was not the case and was a complete lie after I paid in full. My credit report still shows 4 30 day late payments and 4 60 day late payments. I called them to do as they promised, I was told that the only way payments in full would be requested if I wanted to reopen credit cards and that information that the representative shared with me was wrong and I can file a complaint internally but the late payments would remain. my question is how can I be responsible for charges and late fees that was considered fraud but then they say my account status changed and my account was shut down due to returned payments, to which I wasn't notified of this either. This is destroying my credit. I have paid the closed balances off in full and they are insistent on reporting fraudlent late payments, it is not my fault that their customer service representative was not properly trained and gave out improper information. I am requesting that XXXX XXXX remove any accounts from my credit report, completely or remove the fraudulent late payments. It provides them no benefit to report this since I caused them no loss and paid the accounts in full.

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 2024-01-03
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I want a check sent to my address on the account. I don't want to talk to them anymore. The whole thing is complicated and they make it that way. But when someone steals money they don't go through none of this because they have their ways. I don't have " their ways '' as I am a honest person. A person who had a XXXX and will get a XXXX talking to them. Making me seem combative. They called me while I was sleep and then another while I was busy. This is too complicated and they'd probably try and talk me out of it or tell me I can't and waist my time once again. I don't want to do business with this company anymore. I was DONE with them when this happened. It's just a a wonder for me that they sent me like " XXXX '' cents ( not the amount but it was a small amount ) and decided to just keep the rest in the account and just lock me out. That's insane. I have the login to the account and check it every other 2 months. It has the full amount in there with literal dollars piling up on top of it due to their system detecting the money is there. It shouldn't and I don't want to do business with Capitol One 360 again. Just send me my check and this will be over. This happened about a year ago. This is thievery at the corporate level. Sorry but im not a person that will take this. Yeah, because of my XXXX it took a while for me to get here. But XXXXm here now and im not taking any of their stuff anymore. Sorry Capitol One 360 but XXXX XXXX XXXX, won't be a victim. I want the check sent to the house on the account and that's it. I don't want to talk to them or anything. They'd probably steal some of the money. I'm not stupid. So to clarify. The bank is Capitol One 360 and their holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-18
Company: Better Mortgage, Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My dispersants where made to a completely different customer. And customer service/remediation has been non existent. 

Closing and official end of the 3 day cancellation period was on Monday XXXX I was notified that within the next 24-48 hours that payments would be wired. 
on XX/XX/XXXX I noticed no payment had been made to my checking and reached out to followup. XX/XX/XXXX I received a phone number asking for wire transfer information that I did not have. XX/XX/XXXX I replied to my closing expert about the issue and was provided a tracking number. There was no instruction or way to followup on the tracking number outside of business hours. 

On the morning of XX/XX/XXXX I called my bank to see if they could help with the tracking number, and they had no record of the transaction at which point we called in the Title company. We discovered by overhearing the conversation that the wire transfer had gone to a completely different person, bank, and account number. I was asked to provide my phone number so they could followup. 

XX/XX/XXXX noon no updates or response, I called and was able to touch base with another associate that was unaware of the issue. 
XX/XX/XXXX XXXX no updates or response so I reached out again. and received acknowledgement of the email, but no information. 
XX/XX/XXXX XXXX I asked what had been done, if anything had been checked, what the process was. 
XX/XX/XXXX discovered via an email reply that the title company is more concerned with recovering the mis-allocated funds than completing my request or responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX XXXX is incorrectly reporting to credit bureaus that my mortgage payment is 30 days past due. As of this complaint, XXXX XXXX XXXX has not yet acknowledged, in writing, that all required supplemental and regular mortgage payments were fully paid each month as agreed from XX/XX/XXXX to XX/XX/XXXX ; See included letter dated XX/XX/XXXX. Please also see the uncanny letter received today, via postal mail dated XX/XX/XXXX ; The letter apparently ignored the arrangements made with the XX/XX/XXXX letter. Your assistance with helping me resolve the incorrect credit reporting will be appreciated.

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 2023-12-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit report is missing this account from each credit reporting bureau. I request that the account be reinserted immediately, XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX  XXXX : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX  Updated Balance : XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX Original Balance : XXXX  Status : Paid/closed ( XX/XX/XXXX ) Equifax : XXXX XXXX XXXX XXXX. 
Open Date : XXXX. XXXX, XXXX Account # : XXXX Original Balance : XXXX Updated Balance : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, 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:
XX/XX/2023 I sent in letters expressing some items that I am in disagreement with on my credit report. I kindly request that you guys fix the errors on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. 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 TransunionXXXX 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

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 2022-10-21
Company: EQUIFAX, INC.
State: OH
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:
An 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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2020 I attempted to widraw XXXX XXXX Baht from a XXXX XXXX XXXX  ATM located in front of the XXXX XXXX Hospital. 

The ATM was a free standing unit outside of the hospital. After entering my PIN, I waited for the machine to dispense the cash, it didn't. The ATM went blank, like a computer that was shut off. It came back to life after about 10-15 seconds and gave a receipt, however, didn't dispense any cash. 

I disputed the charge with my bank and all they say is they received documentation that showed I received the cash. 

I did not, they've deducted the money from my account and as an XXXX yr old widow, I can't afford to lose that type of money when nothing that happened was my fault. I may be old but I'm not stupid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$24000.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$5200.00} - tied up to open XXXX XXXX Balance Owed : {$4700.00} XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX Balance Owed : {$280000.00} XXXX XXXX Balance Owed : {$23000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN 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