BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ) outlining this issue and seeking resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Southwest Business Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Never received any notification of my home foreclosure. The dates that it happened I was thrown in XXXX on bogus charges. I have never been in XXXX before. Then my mail was stopped and not by me. The only forclosure I did get was from the new owners which they signed in XX/XX/2018 the letter indicating I have to be out by XX/XX/2018. The new owners indicated that if I want to stay to pack I would have to sign a lease and give them XXXX XXXX I lost my job, I tried to claim unemployment it was approved but never received any money. I tried several times to get it. I am now a victim of identity theft which I have filed a complaint. If I had XXXX I would of been paying my mortgage instead.

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 2023-05-29
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paypal insists I owe them XXXX. A purchase was made with XXXX for this amount but it was cancelled. XXXX issued a refund to my PayPal credit account. XXXX inadvertently also issued a credit to my XXXXXXXX XXXX which has since been reversed. A copy of the XXXX XXXX transactions related to this issue is attached. My XXXX XXXX is being charged for the XXXX mistake and paypal is also trying to collect this money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU ) DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
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:
I had two accounts with synchrony bank jewelry department and was making payments until for some reason in 2013 they stopped cashing my checks I was sending through XXXX XXXX  bill pay. I have contacted them to remove the delinquent report from my account but they were unwilling to remove late payments even though the issue was on their end. I contacted them in may to ask if I could pay the balance and they remove it as I dont dispute the amount is owed. They then began reporting my account as charged off every month dropping my credit score and trying to force me to pay without them adjusting my payment history, which again was because they did not cash my checks. The checks were sent on time and I verified with XXXX XXXX  that they were sent. Just never cashed

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 2018-06-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
On my credit consumer report and I see addresses I couldnt of possibly lived because Ive been XXXX for 9 years ( from XX/XX/XXXX to XX/XX/XXXX ) and was actually only XXXX 3 weeks ago. Ive tried to log on to various websites to monitor my credit and my identity cant be verified because of the ongoing issues.

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 2023-05-29
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Bank RoundPoint Mortgage Servicing Corporation Loan Number XXXX Good morning I wrote 3 emails to the Bank ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) with NO response. 

My loan is PAID OFF, however : 1. I haven't received any documents ( email or mail ), regarding the release of my loan 2. On my portal account said I owe {$7.00} and my next payment of {$580.00} is due on XXXX. Is the Bank charging me OVER interest, in a Loan that doesn't exist 3. Also I received an email on XX/XX/XXXX, because the Bank is shopping for an Insurance for my loan that is already PAID OFF Thanks in advance 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 2023-05-29
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
In XX/XX/XXXX, my XXXX XXXX XXXX was paid off in full. The lease was with Chrysler Capital. There remains a loan balance on my account that is inaccurate and should be removed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Strategic Alliances, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This collection appeared on my credit report with the three credit bureaus. I NEVER received any correspondence from the collection agency. I do not know what the bill is or regarding what debt. I did not receive any correspondence to dispute the bill. The debt is for {$190.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Changes in loan terms during the application process

Complaint:
on XX/XX/XXXX we went to regions bank in XXXX tn from XXXX tn about XXXX min. i called the XXXX brance to check rates on a home equity loan with a fixed rate and i was told it was XXXX to XXXX XXXX and no fees at closing. after they got all of our information and all the documents i carried with me we were told they should have a answer for us by wednesday. as soon as we got home we got a call telling us that our rate was over XXXX XXXX  and we could only get XXXX equity when we have over XXXX in equity also we were told we had a debt to ratio issue which is not correct. we only have our mortg of XXXX and 2 vehicles and we bring in XXXX a month which is XXXX a month not including all our assets that she took down. most of the time when buy something i always get tier 1 credit because of our good credit that we have built up.

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 2023-05-29
Company: Gurstel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The following list of attorneys of The Gurstel Law Firm PC continue to harass me with letters and sending strangers to my private property, I have informed this law firm to cease communication but they continue to use false and misleading information in attempts to collect an alleged debt from me. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I am telling you again for the second time to Cease all communication from me. I am a well informed consumer and I know my rights and I know the federal laws of the Fair Debt Collection Practices Act, which you all have continued to violate with your ongoing of false and misleading actions. I have attached four exhibits of proof violations of the Fair Debt Collection Practices Act. This is just a small portion of misconduct that has taken place towards me. I am aware that it is false and misleading for attorneys to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
I sent a request to investigate inaccurate account information on my credit profile on XX/XX/2023 and XX/XX/2023 Its now been 45 days since I sent my inquiry, but I have yet to receive a response. 
Im looking to purchase a home and the inaccurate records on my profile are stopping me from achieving my dreams.

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 2023-05-29
Company: U.S. BANCORP
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXXXXXX, AKA XXXX XXXX XXXX, AKA, XXXX ran an inquiry on my report without my verbal or written consent. 
I spoke with XXXX, XXXX who are finance managers stated they could not find me in their system. 
Inquiry date, XX/XX/XXXX, three consecutive times. Typed letter was given to manager XXXX on XX/XX/XXXX. He apologized, gave me a gas ticket receipt for {$40.00} stating it would be removed from my report. ( I have a copy ) My credit union, XXXX XXXX gave me a check to purchase a vehicle, I informed XXXXXXXX XXXX XXXX I don't need to sign any documents I was approved through my credit union. 
I never consented or signed anything. This has affected my credit score. 
Their address XXXX XXXX XXXX XXXX XXXX ca 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 2020-02-09
Company: SYNCHRONY FINANCIAL
State: NY
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 had Paypal account which I was using and paid on time and never reported to 3 credit bureau. It was like secured all of a sudden from no where it showing on my credit report and score was effect too! I contacted the Paypal I was told when synchrony bank take over it started reporting on credit report without customer informed or knowledge they know about it but can not help so my complain is why they playing with consumer life without letting them know and their score are on jeopardy. So my prayer is that it should remove from the credit report so that consumer can be stress free and they can get back there score up!

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 2019-02-05
Company: CITIBANK, N.A.
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:
The main complaint is on Citibank XXXX XXXX refusal to initiate a chargeback per Visa regulations on a merchant XXXX XXXX XXXX  in XXXX. 1 ) When dispute is initiated under dispute Case # XXXX, many evidences submitted are lost in its computer system. 2 ) When I discovered false claims from XXXX XXXX through a helpful service rep and then reported, there is no follow-up with me from the investigation team. In fact, there is XXXX inquiry with me from XXXX XXXX throughout the dispute. 3 ) When being confronted with conflicted claims in writing from XXXX XXXX, XXXX the supervisor of investigation team refused to consider them. 

Summary of Incident with the merchant XXXX  XXXX XXXX  XXXX : On XX/XX/2018 the car rented from XXXX broke down on a rural highway in XXXX. XXXX XXXX claimed it was an incidental damage and, under this presumption, I paid the damage amount of XXXX {$5600.00} with my XXXX XXXX XXXX ( Attachment 1 ). Later one, after repeated requests, XXXX XXXX found no proof for any accidental damage on the car ( Attachment 2 ). But they refused to refund the charge. 

Citibank claims per supervisor XXXX : XXXX charge you for the damage of the vehicle under my procession. So there is no misrepresentation of the charge. 

My counter-argument : XXXX XXXX made the false claim of the damage due to an incident. Under this claim I paid the damage. Then they admitted in writing that they are unable to find any evidence of incidental damage. Thus under the rental term ( Attachment 3 ), XXXX XXXX should responsible for the damage. They gave me a false claim of incidental damage at the time to trick me into making a payment. This is a classic case of merchant misrepresentation per XXXX chargeback rule. 

More information are available upon request. Since my wife is the primary card holder for Citibank XXXX XXXX, some of the documents are addressed to her name 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 2018-05-06
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the Chase XXXX card in XX/XX/XXXX when the card was offering a " uncapped anniversary free night at any of their XXXX   hotels. '' On XX/XX/XXXX, they announced all customers would have their uncapped night limited to XXXX points and with a very resteictive list of hotels. They then backtracked a little and allowed said " customers who signed up from XX/XX/XXXX to XX/XX/XXXX will still get an uncapped anniversary free night their first year. '' That leaves all customers who still signed up for the offer ( who haven't had the chance to redeem the one year annivery night even once ), that can't redeem their uncapped and unrestricted night. I am a customer who did not get this option due to singing you " at the wrong time ''. I contacted phone support and they stated that all customers are being downgraded within the year, but that still allows most customers that are within the XX/XX/XXXXto XX/XX/XXXX window to use their free night. I feel like I've been ripped off. How come I don't get the first year unrestiected night like the people who signed up after XX/XX/XXXX? As of XX/XX/XXXX, anyone who signed up before XX/XX/XXXX falls under the conditions with the restricted night, even if they have no had the opportunity to claim a unrestricted Anniversary night. This is unfair to the consumer. I want this fixed. I want this to be fair. Be right like all normal credit card companies and grandfather in the customers for their first year, it's only fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried my best to avoid for foreclosure did several attempts to work with CARRINGTON MORTGAGE SERVICES I did several modification to see if can get any help with avoid getting foreclosure on my home but keep getting denied every time they never had reason why it was denied.I just receive a letter in the mail from CARRINGTON saying your denied at this time.I called CARRINGTON several times to work something out with them letting know if please do a repayment plans got denied or do forbearance agreement got denied CARRINGTON was just interested in full payment what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: Experian Information Solutions Inc.
State: NJ
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:
On XXXX, XXXX my XXXX XXXX loan was reported as Charged Off. I've had on time payments since XXXX, XXXX. I've submitted paperwork to both XXXX XXXX on XX/XX/XXXX as well as to Experian. The Experian Dispute was returned in favor of XXXX Bank and XXXX also sent correspondence that the Charged Off will remain. Does this mean I don't have to pay the balance of my automobile loan? I want this rectified. What are my next steps?

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 2019-06-26
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: Problem with personal statement of dispute

Complaint:
I applied for a Government Small Business Loan through XXXX XXXX on XX/XX/2018 I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( Experian, XXXX and XXXX ), finally on XXXX XXXX these 3 accounts were deleted form XXXX Credit Report, I went to XXXX XXXX again on XX/XX/XXXX with the XXXX credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from Experian and XXXX I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus Experian and XXXX knowing that these accounts were the same ones deleted from 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 2019-06-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for a Government Small Business Loan through XXXX XXXX on XX/XX/XXXX I was denied because I had issues with my credit report, three negative items were affecting my score, I called these 3 creditors they provided me with paid in full letters and I dispute the 3 accounts with the 3 credit bureaus ( XXXX, Equifax and XXXX ), finally on XX/XX/XXXXthese 3 accounts were deleted form XXXX Credit Report, I went to XXXX XXXX again on XX/XX/XXXX with the XXXX   credit report sent by this credit report bureau by regular mail with all the disputes resolved. These 3 accounts were removed and deleted from XXXX Credit Report however from XXXX and Equifax I am still in dispute with them with the same accounts, my company fullfilled all the requirements and the Bank didn't even consider that XXXX credit report was accurate, the bank denied the loan because the issue was not resolved with the other credit bureaus XXXX and Equifax knowing that these accounts were the same ones deleted from XXXX.

Company response to consumer: Closed with explanation