BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-18
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
In the close of a mortgage through mutual of Omaha I agreed to consolidate some prior debt to help my future possibility to refinance by repairing my credit score. The money was transferred from mutual of Omaha to synergy one lending who would then pay me and send checks to a few creditors on a list that I compiled for them. However instead of distributing the checks directly to the creditors on the list they were sent to my home in form pay to the order of collections. I attempted to contact synergy one then and had no success so I reached out to my bank, XXXX XXXX  and asked if I could just deposit these checks into my account so I could just call the creditors and make the payments over the phone. XXXX XXXX told me to go ahead and deposit these checks then froze my account for 2 years until I filed a complaint here against them. Since that complaints closed, so did my account with XXXX XXXX along with {$3200.00} some which I was then told to contact their recovery department to recover these funds. I did that and was told that since the checks were not made payable to me that I would have to again contact synergy one to have them file a claim to recover the money and distribute the money. I have attempted to contact them both by phone and email and have yet again been unsuccessful. I don't care how this matter gets handled but I borrowed that money in question and pay an interest rate every month for it so I would love for that money to either be returned to me or be properly distributed to the creditors like it should have in the beginning of all this. This time if the results of me filing a complaint could result in an end to this nightmare rather then waste more of my time and causing the need for me to file another complaint against another company I would certainly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 u.s.c 1681 section 602 A. States I have 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 1692C 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

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 2023-07-18
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been a member of SAMS CLUBXXXXSynchrony Bank  for years, think the most I have ever owed was last fall 2022 of was {$270.00}. Paid that off.. After that maybe {$100.00}. 

I was in the store the other day and tried using {$37.00}, It was denied. After calling the bank they said my credit was lowered. I pay with my XXXX  XXXX  XXXX, After my personal investigation SAMS CLUB/Synchrony Bank  XXXXs claiming my XXXXXXXX sore XXXX XXXX -ish. Im on XXXX XXXX now and it was just updated to XXXX XXXX. 

I can not get a live person, I can not get a person who speaks decent English, I can not solve this. 

This is false information and out of the country.

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 2023-03-23
Company: Block, Inc.
State: CA
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:
I checked on wheres my refund with the irs and my 2020 refund was disbursed but I believe the bank account was closed. I never received any funds with my XXXX CA STATE REFUND

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from experian say they have completed and investigation on XX/XX/18 and i still have inaccurate information reported on my experian report.I have attached a certified copy of my ucc11 information request which shows i have no lien placed against my name with the companies they claim they validated. This is a violation of the Fair Debt Collection Practice Act. I have also attached a re investigation letter for their review.

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 2023-12-07
Company: STAR ONE CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/23 my husband and I were sent wire instructions from what appeared to be our lender ( email name, signature, and specific details of our escrow payments listed ). We wired the remaining of our down payment- only to then find out- it was a scam. Years of savings, years of hard work, a future for our XXXX little children gone. Police report was filed, FBI agent on case. complaint has been sent to XXXX  XXXX XXXX ( bank the fraudulent account and wire instructions were from. Formal complaint now to our bank StarOne Credit Union. Whom branch manager asked to recall the funds but no further action or information relayed to us in this financial hardship and devastating time. It's a huge sum of money. Almost XXXX us unable to be traced?? If we can not trust our financial intuition to protect our money- who do we trust? Americans deserve more from our banks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
have previously written to XXXX to investigate and Verify a bankruptcy listed on my credit report, which they responded to as being verified with the bankruptcy court. I know that this bankruptcy should not be on my credit report, so I decided to contact the court house myself. 

The court informed me that they do not provide anyone with a debtors full social security number, and they do not provide ANY credit bureau ANY information relating to any bankruptcy cases. I have included a copy of the response from the courthouse for reference. It is quite clear that someone from XXXX lied about verifying this bankruptcy with the courthouse. That is a violation of the Fair Credit Reporting Act ( FCRA ).

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 2023-07-18
Company: Revolut Technologies Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX XXXX XXXX  for XXXX XXXXXXXX and {$250.00} XX/XX/XXXX they didn't even notify me for suspicious activity when it is very clear that it wasn't me there were alot of charges for XXXX XXXX  like over 20 transactions yest they didn't block my card but they locked it for a {$20.00} XXXX purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: NC
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:
Personal Statement Last Name : XXXX Phone : XXXX 15 USC 1681C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFO IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES INFO THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. PLEASE REMOVE THESE ITEMS AS IT IS IN VIOLATION TO MY CONSUMER RIGHTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was affected by a natural disaster and was receiving XXXX benefits I was living in a motel and not able to make any credit card payments after XX/XX/2018 this account has been paid satisfied and in return they agreed that they would remove the late payments ... I did my part but they have not done theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
2nd complaint against this servicer in past week. This complaint is different than the first. The company has failed to pay my county property tax which was due 4 weeks ago, yet have other {$3000.00} in escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-09-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax 's absolute lack of security has caused my name, address, date of birth, and social security number to be leaked to the public. Equifax 's incompetence has put my financial security in jeopardy. I am now and will continue to be under constant threat of identity theft, harassment, and financial ruin for the rest of my life. I never gave any form of consent for Equifax to store my personal information, and I especially never gave consent for them to leak this information to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2023 I file a dispute with XXXX Equifax and XXXX my name and address and phone number is incorrect I have multiple accounts with incorrect information. 
I have paid in full balances that are reflecting as negative status on my reports I have incorrect balances that are being reported XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: WA
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Experian Information Solutions Inc.
State: WA
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-12-07
Company: Experian Information Solutions 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:
Good Day, Upon checking my credit report, There is an account reporting to my credit profile that should not be there ( XXXX - Account Number XXXX ). I did not give authorization to this creditor to open this account. I contacted the creditor and was informed that they could not find this account in their system and that the account has since been purged from their system. I have never resided in the state of Missouri. I never gave authorization or consent for this credit to open this account and never used said credit card or loan. I have been a victim of identity theft over the years. This account that has never belonged to me and continues to reflect on my account with nine inaccurate late payments that continues to hinder my credit profile. 
This credit bureau is in violation 15 USC 1681 ( 2 ) ( a ) ( i ) reporting late payment XXXX - Account Number XXXX 8 late Payments- Your assistance this pertinent is greatly appreciated, 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 2023-12-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2018-12-13
Company: ALLY FINANCIAL INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company keeps calling me regarding someone else 's debt. I asked them to stop calling me because its has nothing to do with me. They advise they have me in a database as related to the person with a similar last name. I advised I don't have anything to do with their affairs. 
The lady started yelling at me and advised me she was trying to help me out. I was not yelling at her I was addressing my concerns in a calm voice. 
I told her she isn't helping me out because I do not owe her anything.She got upset and hung up on me. I wish she would keep that same energy and never call my phone again. 
They are harassing me.Seems their debt collection practices are in violation with Texas consumer 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 explanation
Consumer complaint received 2023-12-05
Company: Experian Information Solutions Inc.
State: OH
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:
After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards

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 2023-12-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Dear CFPB, I am writing to file a complaint against Chase Bank for unjust retaliatory actions! 

Despite having the exact repayment amount linked to my repayment bank, Chase intentionally set up unsuccessful repayments, resulting in charges of over {$5.00} in interest fees. 

Today, I made multiple attempts to contact them, with wait times exceeding XXXX minutes each time. Whats even more outrageous is during the third attempt, they answered the call at XXXX XXXX, quickly claimed XXXX times that they couldnt hear my voice, and promptly hung up. 

I am filing this complaint against Chase for their disgraceful retaliatory behavior and simultaneously requesting an immediate refund of the interest fees! 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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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 2023-07-18
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All information is Incorrect information causing my score to be low. Also reporting old items repeatedly and credit and inquiries that I didn't consent too.

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 2023-05-24
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Company response to consumer: Closed with non-monetary relief