BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: CBC Companies, Inc.
State: AL
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:
We sold our home to a buyer on XXXX or XX/XX/2020, and the mortgage company XXXX XXXX is reporting that we foreclosed on the home, then XXXX XXXX put this incorrect and inaccurate information me and my spouse 's credit report, according to the XXXX XXXX report. This incorrect and inaccurate information is preventing us from getting another Home Loan with several companies waiting for this information to be removed. We have already lost two or three homes we were interested in purchasing, but XXXX XXXX 's incorrect and inaccurate information continues to impact and hinder this process. 

We have all the documents and forward them to XXXX XXXX, but it appears the left-hand does not what the right hand is doing. In fact, we were told by a loan officer that XXXX XXXX did not know the loan was paid in full. This only requires checking the acct. number, unless their XXXX system is not providing the correct about home Mortage accounts. I don't buy it! This is a dishonest practice by this company and I am almost sure they are doing this to many other homes mortgaged accounts with XXXX XXXX. 

We have provided them with all the documents, yet they prefer to do nothing. 
Please us get this resolved as soon as possible. I will be reaching out to my personal lawyer as early as next week!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: OneMain Finance Corporation
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied and received a loan to payoff my credit cards. As of XX/XX/XXXX OneMain Financial began charging me interest on the loan they originated and stated they would pay my credit cards directly. Its been 3 weeks and my credit card companies have not received any payoff. OneMain Financial is charging me interest on a loan that they have not funded. I have made over 25 phone calls to this company and have not received any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with the NewRez LLC for over 4 months now. I paid for an appraisal and it was accepted. Its been a few months since completion of appraisal. The company had given me conditional approval of the loan before they claimed to have experienced glitches in their software before asking me to resend most of my information to them again. I am not in a stage where no one is answering my emails or call, and no clear estimate of completion has been communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Hillcrest Davidson & Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
An original complaint was filed incorrectly including XXXX XXXX and Hillcrest Davidson and Associates on XX/XX/XXXX Case number XXXX with the Consumer Financial Protection Bureau. XXXX XXXX, based in : XXXX XXXX Corporate Headquarters.  XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, TX XXXX somehow does not show up in any databases and is unable to be contacted by government agencies. This contract was canceled on XX/XX/XXXX and is documented by accompanying attachments ( 5 ). The purported ( erroneous ) debt was turned over to an outside agency - Hillcrest Davidson and Associates to collect. I received exactly one letter from them notifying me of this matter. I promptly placed a phone call and explained the situation to them. I was told that the matter would be purged from their records on XX/XX/XXXX by XXXX ( no other information would be given ) at XXXX XXXX EST. I have had an exemplary credit record up until this matter and have always paid my bills on time. Most recently having a credit score of XXXX until this wrecked my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XXXX XXXX through their Research Services Department sent a letter to me documenting that after I closed a Mortgage with them in XX/XX/2014, I was owed {$900.00}. I have responded to CitiMortgage to get my money, now they are unable to account for the status of the refund they notified me I was owed.

Their uninformed call center in the XXXX  has no clue what is going on. It has been impossible to speak with someone who is able and willing to resolve the issue.

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 2023-09-25
Company: Experian Information Solutions 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 REPEAT THAT THIS IS NOT A REQUEST FOR VALIDATION/VERIFICATION NOR A DISPUTE. On XX/XX/2022, I the consumer notified the CFPB ( Consumer Financial Protection Bureau ) about XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), VIOLATING 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to XXXX XXXX XXXX XXXX, TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY ACCOUNT TO MY CONSUMER REPORT. XXXX XXXX XXXX AGREED IN WRITING THROUGH RESPONDING TO MY CFPB COMPLAINT THAT THEY WILL CEASE COMMUNICATION PURSUANT TO TITLE 15 USC 1692c ( c ) OF THE FDCPA ( Fair Debt Collection Practices Act ) CFPB complaint # ( XXXX ) Pursuant to title 15 USC 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( XXXX ) ( XXXX ) and ( Transunion ) are in serious violation also. XXXX, XXXX and Transunion fraudulently furnished account XXXX XXXXXXXX XXXX on my consumer report without the consent of the consumer or the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury pursuant to 15 USC 1681b ( a ) ( 1 ) under permissible purposes of consumer reports. Here 's other Violation of the FCRA as well : ( 1 ), 15 USC 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 USC 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living are impacted. 
( 3 ), 15 USC 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report. 
Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand this account ( XXXX XXXX XXXX ) be deleted Immediately or I will file for litigation in accordance with the FCRA and FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n - title 15 USC 1681o ) regarding the continued willful and negligent noncompliance and 15 USC 1692k civil liability section of the FDCPA.

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 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX XXXX XXXX XXXX XX/XX/1991 XXXX To whom it may concern XXXX XXXX is showing on my credit report this is not my account it was open fradulently and as the letter attached states it is supposed to be removed from my credit report. Please remove and send me a copy of my credit report after thank you

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 2019-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My debit card and Id were stolen at hospital when visiting wife. And I was u aware for a few days until I checked my account on mobile app. I immediately called and had card stopped and a new card sent to me. I disputed over 5,000 from charges with debit card in Oklahoma at casinos, restaraunts, stores. Someone figured out or knew my pin which was also the last 4 of my phone  number. I have changed my pin since. The bank closed dispute and assumed it was me bc my pin was used. Which is complete bias and wrongful and again was not me and I am now out over 5k and have no other options on getting my earned funds back. They didnt even investigate more than 10 days and wouldnt even expedite the temporary credit and never did refund me. I could call XXXX and file a dispute and inform capital one of their mishandling and poor determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Dave Operating, LLC
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I'm trying to get my Next Advance Loan, by : Dave, for at least {$25.00} or {$50.00}, but Dave only can give me Seven Days to repay it back, to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I mistakenly withdrew funds ( {$74.00} ) from my XXXX account to my closed Venmo account. When I noticed the mistake, I immediately left an email message for Venmo informing them of this mistake. On XX/XX/XXXX, I contacted Venmo via phone and was informed that a customer service rep is not able to help me with my issue only an account specialist. I was advised that I can only reach an account specialist via email and it would take 7-10 business for someone to reach back out. I was upset as I would have liked someone to allow me to transfer those funds to an active account or card that I had on file via Venmo

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: EQUIFAX, INC.
State: NC
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:
I cant not after months still not get my credit score! 

This is a violation! 

Its been Going on for months! 

Equifax lies! 

I deserve to be paid {$1000.00} for monetary relief this has occurred for months and no fix!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: CA
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 explanation
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Hi, my name is XXXX XXXX XXXX XXXX please see the enclosed documentation following up on the disputed XXXX account that I have sent in dispute information for over 45 days ago via certified mail to all 3 credit bureaus and haven't heard back since. I didn't get verification, proof of debt, none of that.

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 2022-04-07
Company: USCB, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2022, USCB America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, flagged my credit bureau accounts for a collection but has never made any contact with me in any manner. As I understand it, this action by USCB is a violation of the Fair Debt Collection Practices Act, and subjects it to a {$1000.00} penalty plus attorneys fees and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have tried for 2 years to contact all three credit bureaus to have misleading information removed from my credit report. I have individually disputed each creditor. I've had a problem with creditors that should not be on my credit report. TransUnion, XXXX, and XXXX refuse to work with me and remove anything. They send me frivolous letters stating that they received my complaint but I have yet to prove my identity. I've sent them letters with my state ID, my debit card, and my social security card. I've called on numerous occasions and still to this day they have not removed any of the misinformation on my credit report. I have requested phone numbers, addresses, and different alias names on my credit report to be removed due to identity theft. I filed a police report with my information was misused. I want what's fair and I want these items removed from my credit especially since they were from Identity Theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I took out a XXXX XXXX card in XX/XX/ 2018 through Synchrony Bank with a {$95.00} registration fee. I was promised a bonus of XXXX reward miles after spending {$2000.00}. I spent considerably more than {$2000.00}. I was never able to receive or access my bonus miles. For 5 months I have tried. XXXX XXXX could not recognize my XXXX XXXX  number ( # XXXX ) that is on my XXXX XXXX card provided by XXXX XXXX. I'm not able to use the reward I earned and Synchrony was not able to repair the situation over several months and many hours of my time trying to access my miles. I spoke several times with a supervisor, XXXX, in the Kansas Synchrony Bank customer service office. She tried unsuccessfully to reach out to XXXX XXXX to resolve the situation as did other supervisors. Nobody could get a response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX XXXX XXXX XXXX XX/XX/1991 XXXX To whom it may concern XXXX XXXX is showing on my credit report this is not my account it was open fradulently and as the letter attached states it is supposed to be removed from my credit report. Please remove and send me a copy of my credit report after thank you

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 2022-10-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I fully paid my Lowes Advantage Card in the amount of {$200.00}, as posted on my XXXX XXXX XXXX. In mid XX/XX/XXXX, about 4 1/2 months after I fully paid my Lowes Advantage Card , Synchrony Bank started emailing me, calling my phones, sending paper bill statements, including downgrading my credit score to collect the amount stated above. 

I attempted to dispute this {$200.00} amount several times as Synchrony Bank advised through their customer service but they never stop trying to collect the bill which I dont owe as I have been fully paid. 

I have sent proof of payment to different addresses their Synchrony Bank customer service gave me after believing, understanding the confusion they have made. XXXX spoke with her on XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, all of them agreed with me and made a note or clearance for the disputed amount of {$200.00}. It was the XXXX XXXX discount that was not deducted from Synchronys posting. The XXXX XXXX is XXXX discount for cash purchases but I decided to close it because of its inconsistency of giving discount which I have been enjoying regularly. I have sent proof of payment to the addresses they told me to send. But with all those attempts Synchrony continues to send emails, phone calls, and bill statements and tainted my credit reputation.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX attempt order credit report via annual https : //www.transunion.com/ per alert fraudulent activity related to use of identity use by someone else and to contact TransUnion. I contact via phone and requested copy of report on XX/XX/XXXX and did not receive in mail. I attempt to contact via phone on XX/XX/XXXX and the representative advised could not help with and transferred to department which hung up the line.

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