BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
State: IN
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX  Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : 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 2020-08-10
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Bloomingdale 's claimed in a prior CFPB complaint XXXX that the billing matter has been resolved and taken care of. Of course, this is further from the truth, the letter was dated XX/XX/2020, ten days later, I never received a supposed letter they referenced, nor has the amount been placed on the promotional plan as mentioned in the response letter. Placed order on Bloomingdale 's website dated XX/XX/2020 under order number XXXX, the item was solely for a watch, in the amount of {$590.00}. The purchase meets the threshold by the merchant to qualify under the 12 months no interest plan, provided you pay the balance in full during this period. Please have this balance transferred to under this plan.

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 2021-05-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To whom it may concern, I have an account from SYNCB/PC RICHARDS that was paid in full and closed and is still listed on all of my credit reports.

I called several times regarding this and was told by SYNCB/PC RICHARDS company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( SYNCB/PC RICHARDS ). I would like this updated and removed from all 3 credit report agencies ( XXXX, XXXX, and XXXX  ) as they had promised. 

Card Detail : SYNCB/PC RICHARDS Opened XX/XX/XXXX ( 18 yrs, 4 mos ) Closed XX/XX/XXXX Thank you for your time, efforts, and assistance in having this removed, I am grateful.

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 2023-07-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2020-08-18
Company: M&T BANK CORPORATION
State: CT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
To Whom It May Concern, I made my mortgage payments on time to my mortgage lender, M & T Bank. My note provides that my mortgage account is escrowed. As a result, M & T Bank is responsible for paying the insurance directly to my insurance company, XXXX. My insurance renewal date was XX/XX/XXXX. M & T failed to make said payment timely and remitted payment to XXXX on XX/XX/XXXX. XXXX cancelled my policy on XX/XX/XXXX and returned the late payment to M & T once they received it. I was not notified of this as XXXX XXXX   correspondence went directly to M & T Bank. M & T Bank did not notify me either. I continued making my mortgage payments and was notified by M & T Bank on XX/XX/XXXX that my insurance policy had been cancelled. This was 9 months later. During this 9 month period, there were no indications on my statement that there was an issue with insurance. I contacted XXXX XXXX immediately and paid out of pocket to renew my policy until I sorted the bank 's mistake out. I spent countless hours on the phone with representatives and they ignored my concerns telling me that I needed to make a payment of {$4700.00} to retroactively pay for forced place insurance for coverage from XX/XX/XXXX-XX/XX/XXXX. I wrote a letter to the company on XX/XX/XXXX and they ended up during an investigation. They determined that they did not notify me of their late payment and the cancellation of my insurance policy as a result of their negligence. However, they are still demanding I pay for insurance during the XX/XX/XXXX-XX/XX/XXXX period even though they did not seek force place insurance and the time lapsed without any coverage.Additionally, none of my statements during this 9 month period itemized forced place insurance. Once the issue came to light, M & T bank is trying to retroactively charge forced place insurance on my account. They even issued a declaration page on XX/XX/XXXX stating that XXXX XXXX XXXX XXXX insurance was on the account with no verification in any documents prior that this was the case. Contrary to that, they indicated on XXXX XXXX that they would have to put forced place insurance on my account if I didn't obtain hazard insurance. This was the first letter sent to me alerting me that something was wrong. M & T Bank is attempting to make me financially responsible for their error. I need the help of CFPB to get justice.

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 2023-10-09
Company: DISCOVER BANK
State: NY
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 XXXXXXXX XXXX XXXX with account # XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal cas need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. 5 soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: LA
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:
Credit Repair Info Police Report Hello  as of XX/XX/2021 I've been receiving telephone calls from debt collection agancies. I started by pulling my credit report to find out whats going on. Upon recieving a copy of my credit report from : Experian, XXXX and XXXX I discovered multiple accounts of which i have no knowledge of. These accounts are fraudulent and I would like to report this incident. I have also notified the bureaus and was instructed retrieve my existing police report that caused this matter. I also have filed a report with the Trade Commission about this incident. I have notified : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX about this matter and they have still continuously report these fraudulent accounts to my report. Incident Description After doing a little bit more investigating into these accounts, I discovered they were opened up shortly after my vehicle was burglarized. My vehicle was broken into along with several others. This incident happened XXXX at my previous home. My truck was parked at when it was broken into. To summarize my story, my vehicle was burglarized, my : jewelry, wallet, credit cards and laptop were stolen. Someone was able to open up fraudulent accounts because they had all my info from the burglary. The fraudulent accounts were opened up shortly after my vehicle was broken into and my items were stolen. 

PLEASE REMOVE THIS FRAUDULENT ACCOUNT IMMEDIATELY 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 2023-10-16
Company: National Commercial Services, Inc
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX A lady called and while I was trying to explain what happened in the car accident she got upset and began to threaten me about wage garnishment and losing my license because they contacted my insurance and they didnt want to pay. A balance of XXXX was just sent to me I never went to court heard anything from police. Just a call being threatened out the blue. XXXX XXXX is her name XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I HAVE ATTEMPTED TO BUY MY FIRST HOME AND I HVAE BEEN DENIED FOR MY APPROVAL DUE TO CERTAIN INQUIRIES/ DAMAGES ON MY REPORT. ACOORDING TO HJR 192 All Public Debt is an obligation of the United States and not the Citizens. And According to the FCRA or Fair Credit Reporting Agency it is against the law for these credit reporting agencies to report anything without my authorization or consent on my report. 
ALSO IN 15 U.S.C 1681 there should not be any damages on MY Report it is A Defamation of character., therefore these items need to be Removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL unauthorized and unverified accounts.

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 2020-08-10
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I went to Western Union in XXXX Arizona to wire my earnest money to a title company to open escrow on a home purchase on XX/XX/2020. Western Union instead sent it via ACH transfer which the title company doesn't accept and the title company XXXX XXXX  account rejected the transaction. I contacted Western Union to cancel the transfer the same day it was initiated since is did not show up in the title company account after XXXX hours. I have contacted Western Union multiple times every day to ask them to refund my money. At first they said it was in the XXXX XXXX account. I called XXXX XXXX and the confirmed they never received the money. After a couple of days of calling Western Union admitted that XXXX XXXX rejected the transaction and to this day I only get excuses about there process preventing me from receiving my money back. It has now been 12 days since Western Union received my money, failed to transfer it and will not return it to me. Now that are claiming that the issue is with their accounting department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Waypoint Resource Group, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I ended my contract with XXXX XXXX, and was waiting for my final bill for several months. I had contacted them by phone a couple of times asking for it and never received it. It then went to collections, and any further attempts to contact XXXX by phone, I was referred to the collection agency. 

I contacted the collection agency multiple times, and every time I would receive the automated message that there were no representatives available to take my call, and to leave a message after the tone. But then I received the message that the mailbox was full, so I was never able to leave a message. 

The collection agency finally contacted me, and I expressed that I had never received a final bill, and I believed the amount they were giving me was incorrect. They sent me a copy of the final bill, which is incorrect, but again I am not able to get ahold of anyone at XXXX or the collection agency to dispute it. 

In the meantime, this incorrect bill being reported on my credit report has caused my score to drop significantly, and this is unacceptable. They do not give me anyway to dispute the charge, and I just have to deal with the negative affects. This is not right.

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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 filed disputed on XXXX XXXX and still have yet received anything documents back

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 2021-04-02
Company: EQUIFAX, INC.
State: OK
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 was told that you all can help me. 

On XX/XX/21 I sent a letter about some inaccurate and Unknown items i seen on my credit report its been all most 30 days later and i haven't heard anything. I feel everyone invloved is taking advantage of me and nobody cares about my disputes. Section 611 ( a ). plainly says that a failure to investigate within 30 days gives a reason to immediately remove the items from my credit report it has been almost 30 days but nobody has updated me so they should be deleted acording to the law. I demand these accounts be deleted immediately or I will have no choice but file to go into litigation due to all of the stress everyone caused me. Completely messed up my credit and i have to pay way more than i should be paying in interest. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Southern Auto Finance Co
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Between XXXX and XXXX we made payments to Safco in an amount totaling {$2300.00}. Safco has acknowledged that they are not entitled to these payments since these payments were made after the loan was transferred to another financial institution. 

Further, Safco has indicated on multiple occasions that they are processing a refund to return the above amount. However, it has been well over a month and we are yet to receive any repayment. Please help us resolve this matter quickly. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, INC.
State: CT
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:
I am writing to request several credit inquiries that were unauthorized be removed from my Equifax credit report. OnXX/XX/XXXX, I received a copy of my credit report and became aware of 6 inquiries that I did not authorize or receive. They are as follows : 1. XXXX XXXX XX/XX/XXXX2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXXXX/XX/XXXX 5. XXXX XXXXXX/XX/XXXX 6. XXXX XXXX XXXX XXXX ( 5 ) XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Experian Information Solutions Inc.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-27
Company: World Acceptance Corporation
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: Information belongs to someone else

Complaint:
World Finance acct # XXXX charged off closed account with two different balances {$880.00} and {$1500.00} last reported XX/XX/XXXX opened XX/XX/XXXX last activity XX/XX/XXXX paid on time XX/XX/XXXX. Its reporting all of the above on my credit file. On XX/XX/XXXX I reached out to XXXX in regards to a fraudulent charge off on my account. Due to me receiving a alert from my credit monitoring service that a remark was added and when I pulled my report no remark was there and the reinvestigation was no longer on my file. XXXX closed the dispute without sending the debt validation I requested. World finance didnt send the debt validation documentation either. I spoke with 2 agents and a XXXX by the name of XXXX XXXX # XXXX and they all had different stories. The first agent hung up on my face when I asked where the debt validation was that I requested months ago. She stated the account was under reinvestigation and it was a validation as well. I told her it cant be validated and under investigation at the same time. I asked her to send me the documentation she claimed she couldnt open the validation and she hung up in my face. When I called back and requested a XXXX I asked the guy to look for the validation and he stated there wasnt one. He then stated he seen I requested for the dispute to be closed today XX/XX/XXXX and I informed him that was a lie I called for the validation today since its been months and XXXX has yet to respond. I was then transferred over to XXXX the XXXX and she stated she didnt have to give me the debt validation paperwork. I informed her that by law she had to validate the debt and she couldnt. Ive reported XXXX and World Finance to every outlet due to them violating my consumer rights and now have retained an attorney due to the Texas Statute limitations law of 4 yrs this account is exactly 4 yrs and 2 months old and Ive fought it the entire 4 yrs its been on my credit file. Under the Texas debt collection act and FDCPA XXXX and world finance has broken a number of consumer laws and I will be moving forward with my XXXX because they refuse to validate this fraudulent account. They are refusing because theres nothing to validate!! Legal action has been submitted through my lawyer office!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Western-Shamrock Corporation
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This account XXXX was charged off and settled with XXXX XXXX XXXX, This debt is no longer collectible, therefore I demand that you remove this account from all credit reporting agencies.

Company response to consumer: Closed with explanation