BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: SYNCHRONY FINANCIAL
State: OH
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:
Lowes/Synchrony Bank has my information as a secondary on a credit card instead of an authorized user. I was only an authorized user on this account and not a secondary and it is effecting my credit report negatively. My husband XXXX has called multiple times and has asked for all of the documentation on this account. They have told him there is no documentation available to send ( XXXX at XXXX and XXXX at XXXX hours were the last two calls ).

My husband had filed bankruptcy on this card and it depicts correct on his credit report but it should not be on mine. my last 4 of my ss # is 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 2021-02-05
Company: Square Inc
State: NY
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:
On XX/XX/XXXX, XXXX Ads fraudulently debited approximately {$1500.00} from my Cashapp account. I have on numerous occasions filed a complaint with cashapp regarding this matter to no avail. Cashapp is not responsive to this matter, it has been 5 days since this incident happened and still has yet to be resolved. 

* Under UCC 4-214, issued XXXX, I invoke my right to chargeback and refund this transaction. Furthermore, I would like to like to request a temporary credit if the dispute in question takes significant time to investigate.

The Reason for this Dispute is Fraud I do not recognize this transaction and have never authorized it. Pursuant to VISA Chargeback Code 10.4, I am politely requesting to dispute this charge and the issuance of a full credit to my account. I have attached additional details below on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I reached out to Experian about this faulty bankruptcy and they lied and sent me a letter stating the credit bureau confirmed a bankruptcy the courts confirmed that they did not provide Experian with no information and provided me with a letter prooving they did not please help

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
In accordance with the fair Credit Reporting act the account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. ACCOUNT IN REFERENCE : OAG XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written. Instructions per the FCRA all information reported must be true and accurate

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 2022-09-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello CFPB, We were under XXXX forbearance with our previous loan servicing company ( XXXX Bank XXXX for 12 months from XX/XX/XXXX thru XX/XX/XXXX and then we called XXXX Bank XXXX XX/XX/XXXX to advise them that we were ready as of XX/XX/XXXX to resume making our mortgage payments and we would like to apply for a loan modification and partial claim on our loan and it was approved and was filed with the Florida XXXX XXXX XXXX XXXX Courts and recorded on XX/XX/XXXX. Shortly after the partial claim was filed and recorded at the local county office, we were advised that our current loan would be sold to a new servicer ( Lakeview Subserviced by Mr. Cooper ) and that everything that was previously done by XXXX Bank would be transferred over to Lakeview on XX/XX/XXXX. Needless to say, since day 1 with this new servicer it's been a total nightmare in trying to get our mortgage loan back to " current status '' so that we may continue making our monthly payments and put this episode of our lives behind us. We have been patiently waiting since the loan transfer in XX/XX/XXXX for this issue to be swiftly handled and resolved by Lakeview but every time we call them on the phone all we get is a different story including they are " still working on the loan modification '' even though the partial claim has already been recorded in the county clerk of courts, we also received a phone call from Lakeview on XX/XX/XXXX to congratulate and tell us that our loan had been submitted for " booking '' and that by XX/XX/XXXX the loan would be back to current status whenever we logged on to their website so we could start making payments again, this did not and hasn't happened yet and we are still desperately waiting on Lakeview so we may continue with our lives. At this point we are even afraid of Lakeview being up to something and us losing our home. CFPB, can you please help us out with this issue asap.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: AMERICAN HONDA FINANCE CORP
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on AMERICAN HONDA FINANCE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Credit Corp Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was served for an account I have no knowledge about, this is fraud XXXX for amounts {$7200.00} Ive reached out to the company This account is not on my credit report! 

Credit Corp Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Pursuant to 15 USC 1692a ( 3 ) I am the consumer and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report, No consent is IDENTITY THEFT. Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor.

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 2021-02-05
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX should not be reporting to XXXX  ; Experian and XXXX that I am ( 30 60 ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.

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 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX should not be reporting to XXXX XXXX XXXX and Transunion that I am ( 30 60 ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.

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 2021-08-25
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed my existing mortgage with LoanDepot on XX/XX/2021 ( statement attached ). As per the payoff statement dated XX/XX/2021 ( attached ) interest was due only if repaid on or after XX/XX/2021. Hence the payoff amount should be {$760000.00} i.e. principal only.of {$760000.00} and recording fee of {$51.00}. However in the statement LoanDepot has charged me XXXX as the payoff amount i.e. excess of {$180.00}. When asked 4-5 times and after spending 2 hours they are unable to explain the excess charge. Request your assistance in resolving the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My XXXX tax refund was mistakenly deposited into a unknown Wells Fargo checking account. This account does not belong to me or anyone who I know. The money was taken by whoever owns the bank account. The money was never returned to me. I submitted a complaint with Wells Fargo, # XXXX, and I have tried to contact XXXX XXXX XXXX XXXX but she is unresponsive. My complaint was closed because they said she could not get in touch with me, this is untrue as my lawyer and I have been calling and leaving voicemails. I would like my tax refund to be reimbursed to me. I should not be penalized just because the money was deposited into the wrong account. Wells Fargo should be required to conduct an investigation of this unauthorized deposit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I XXXX XXXX, am filing this CFPB complaint for violations of my civil rights. Under the FCRA, 15 usc 1681 in accordance with federal law. My rights have been violated by the credit bureaus, Experian, XXXX XXXX and XXXX XXXX XXXX. 

I sent my first dispute on XX/XX/2023 cerified receipt returned to each of the credit bureaus, in the dispute process. I never received any dispute results, In accordance with FCRA, 15 BUSC 1681 per fderal law. Not responding within 30 days. Constitute negligent noncompliance. According to the Fair Credit Reportng Act, 15 USC 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and rcord the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, you must remove the accounts listed below. 

On XX/XX/2023 I sent another certified letter Second Written Request for you to remove the unverified accounts listed, that remain on my credit report in violation of 15 USC 1681. The inverified items listed on my report still remain on my credit report in violation of Federal Law.

In accordance to the Fair Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the pocedure used to determine the accuracy and completeness of the information, and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that descripition as according to the Faic Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 7 ).

In the lack of results, or non results of my first request for a investigation ( you did not send any verification information ) thus you are in direct violation of negligent noncompliance.

You have not provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA-you are required to '' promptly DELETE all information which can not be verified. ".

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 2022-07-11
Company: Bread Financial Holdings, 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:
XX/XX/2021 I got an alert I had a inquiry on my XXXX account. 

I'm so confused because I did not give anyone any permission to run my credit. 

( ComenityCapital/XXXX ) Address XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Old information reappears or never goes away

Complaint:
Accounts : XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$0.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The accounts and inquiries on my Equifax Credit Report are incorrect, and fraudulent. All accounts and inquiries mentioned on my credit report are outdated as well. These derogatory accounts and inquiries are not only incorrect and fraudulent but they are affecting my ability to extend credit and to build credit. They are also in violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Consumer reporting agencies reporting late payments when in fact I was never late on account, Ive never received a letter XXXX  days prior from due date saying I owe such on such date, Account XXXX XXXXXXXX XXXX, XX/XX/XXXX XXXX XXXX Also Ive never authorized/ sent written consent for late payments to be reporting in my account which is an invasion on my privacy and defamation. How can consumer reporting agencies report something I never authorized and something that is inaccurate. This is defamation they are trying to ruin my reputation with other companies which can damage me emotionally and financially. If I decide to apply for something and companies see I have late payments this will be a major red flag for them to want to approve me for anything, I will be denied for something that is inaccurate and without my consent which is against the law.

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 2022-10-13
Company: Southwest Credit Systems, L.P.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Southwest Credit Solutions reinserted two collections on to my credit report without properly notifying me. These two debts have been once removed from my consumer report, but they have been reinstated. I have reached out to this company to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
i am not liable for this debt Account Name : XXXX XXXX  account XXXX Account name : XXXX  account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: U.S. BANCORP
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: Confusing or misleading advertising about the credit card

Complaint:
US Bank cancelled the Extended Warranty and Collision Damage Waivers in XX/XX/2020, but never notified us. The only reason I found out about the cancellation, it that I called about another item, and happened to ask if they were still in effect.

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 2021-02-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was a victim of a XXXX spoof situation. I received a phone call from my mothers phone number while she was out of town. There was screaming women in the background who knew my name along with a male saying " he would XXXX XXXX mothers XXXX XXXX  if I did not send money. '' I complied and sent {$1200.00} to @ XXXX during this XXXX call. Further disturbing details can be found in the police report and venmo_fraud report attached to this submission. After the call I immediately attempted to contact Venmo with no luck as they do not have a contact number listed. 

Since I could not reach Venmo I filed a dispute with the bank who agreed with my dispute and blocked the charge from Venmo. Once the bank approved of my dispute and blocked the charge Venmo " froze '' my account put a {$1200.00} on it hold threatening to send me to collections. During this time I received XXXX payments for miscellaneous things such as food, utilities, ect. adding up to {$1000.00}. Venmo took this money from my " frozen '' account and contributed it to the {$1200.00} hold from the XXXX situation. 

On XX/XX/XXXX I realized there was a chat in the Venmo app which was the only way you can start a dispute claim. I was able to start a dispute here. As you can see in the attached file " Venmo Dispute1 '' my dispute was automatically denied on XX/XX/XXXX without any request for information. In " Venmo Dispute2 '' you will see a chain of emails from XX/XX/XXXX through XX/XX/XXXX going back and forth with no help or insight whatsoever with Venmo. I don't believe they were actually reading my emails, just automatically responding with immediate denials. 

The denial response on XX/XX/XXXX even states " Unfortunately, based on the information you've provided, it sounds like the person you were transacting with did not fulfill their end of the transaction. For resolution, we recommend that you reach out to the recipient of the payment, as we are not able to provide reimbursement or mediation in this instance. '' What exactly does " It sounds like the person you were transacting with did not fulfill their end of the transaction '' mean? Were they supposed to pull the trigger? 

I also called the number listed on the collections emails, XXXX XXXX XXXX XXXX, on XX/XX/XXXX only to be hung up on after being transferred to their poor excuse of a customer service department. 

I believe the way Venmo has handled this situation is near criminal given the time wasted and fact that they automatically are holding {$1000.00} of mine. 

I look forward to hearing from you.

Company response to consumer: Closed with monetary relief