BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
I purchased shoes online, size XXXX XXXX, made and shipped from XXXX XXXX XXXX. They didn't arrive within the time advertised so I contacted the company. I received a reply from a company in XXXX saying it was being produced ans shipped from them. I responded said cancel my order, you misadvertised I'm not doing business with you. They refused to cancel my order. Finally weeks later a size XXXX show, i ordered a size XXXX XXXX. They also were not as described or shown in pictures. They were missing XXXX details and designs. I immediately reached out to the company and let them know that the shoe was a size XXXX not a XXXX as I ordered I also told them that it was not shipped or created in the XXXX as their website says and as of XX/XX/2023 they still represent that the shoe is made and shipped from XXXX. The company didn't respond. I messaged multiple times. 

I made a report with my credit card company who closed it after the company responded with proof of delivery. I again sent over multiple pictures and screens shots of what i purchased vs what I got along with my emails to the company and just one day later I get a letter saying they received my proof but didn't receive my proof. I called and no one could help me. This was complete fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-08
Company: REGIONS FINANCIAL CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check written to me by my fianc four months ago. The funds left his account in my account was locked. I have not been able to receive these fun summing up to {$6000.00}. when I go in the branch, they say theres nothing they can do and to call XXXX. When I call, they tell me I need to go to a branch and its just a never ending cycle of people telling me theres nothing they can do. My money has been locked for XXXX months. All my credit cards are maxed out and this is my rightful money. Regions refuses to give me more information or even submit a ticket request and tells me to wait with no details of what I am waiting for.

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 2023-01-12
Company: General Motors Financial Company, 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:
I received my Credit Report from XXXX on XX/XX/XXXX. I noticed the third party XXXX XXXX with GM Financial. Most importantly the section XXXX XXXX and XXXX XXXX Was XXXX XXXX Recorders office : XXXX XXXX XXXX When I purchased this vehicle from XXXX XXXXXXXX XXXX XXXX, I was living in XXXX XXXX of XXXX. XXXX XXXX holder on XX/XX/XXXX was Americredit XXXX XXXX. Not sure when GM Financial purchased the loan from Americredit because I was notified that there was an exchange of XXXX. Americredit never notified me nor did GM financial. My payments were XXXX starting XX/XX/XXXX. Americredit is not on my XXXX Credit report from XX/XX/XXXX. However there is a Inquiry from Americredit on that credit report dated is XX/XX/XXXX Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX GM financial XXXX XXXX XXXX XXXX Texas XXXX XXXX. 

Car was repossessed XX/XX/XXXX. Filed police report with the city. However they never replied. contacted company each time they gave me a different pick up location. XXXX or XXXX. GM financial is not licensed in the state of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: NJ
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:
Honestly this is the last time im going to resolve this issue with you guys before I follow suit with my lawyer. I have submitted a complaint back in XXXX because I did not get a response from XXXX equifax or XXXX  since XXXX and NOTHING was resolved. They claimed the responded to the complaint and investigate and LIED. They falsy validated these accounts attached because it is still reporting different dates across all three credit bureaus. They did not sent me anything to validate the accounts. I ran out of patience and tried everything to not bring this to my lawyer since I gave them 5 months. I submitted a complaint and nothing updated. Please look into what these credit bureaus are doing because they are clearly violating my rights as a consumer and going against FCRA. I need these accounts deleted because they did not properly validate ANYTHING reporting different information to each credit bureau. 

Under 15 USC 1681 ( a ) congress defines a consumer report as the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part of the purpose of serving as a factor in establishing the consumers eligibility for 15 USC 1681 ( 2 ) i excludes the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. 

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, pr other entity. 

All of the companies listed below are CORPORATIONS as defined by congress as a person. 

Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW!! You are in direct breach of the federal laws put in place to protect the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX, XXXX. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I made my regular payment through XXXX to TJ Maxx Credit Card. I always pay balance in full. I accidentally put in two additional zeros  in payment. The balance was {$930.00} and entered {$93000.00}. I made the same mistake once before on another credit card and it was no problem. TJ Maxx accused me of not having intention to pay credit card. No one would even talk to me about it. They just kept saying your account is closed. If they would have looked at my records, i have always paid my balance in full. I have great credit rating and am afraid they might ruin it by their accusations. The XXXX  site reversed the transaction and then I paid the balance in full but TJ Maxx still closed account and said I am a high risk. I had purchased a lot of things in both TJ Maxx and XXXX during the holidays as I send gifts to nursing home residents, and women who I know are trying to go back to work and gifts for homeless. I am just outraged that they have accused me of this. My credit score is over 700. I have never had anyone accuse me of not paying bills, etc. and I am not a high risk. Anyone who had any sense would know that it was a mistake because of the amount of money. also, I paid balance in full on XX/XX/XXXX when I realized the problem. I feel I have been treated unfairly especially with the credit card record I have with them. No one will even discuss with me on phone. Last time I tried was XX/XX/XXXX. I do not want them to in any way hurt my credit.

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 2021-10-25
Company: Statebridge Company
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My property underwent a loan modification in XXXX when the housing market had fallen. At the time of the modification, I had 2 lien holders, which were supposed to be included in the load modification. When the modification was complete, I was contacted by 1 loan servicing company, XXXX XXXX XXXX. I began making payments and missed no payments. 

Eleven years later on XXXX, I received a letter from a servicing company named Statebridge Co. introducing themselves as my mortgage servicing company. On XXXX, Statebrige stated that I owed {$120000.00} and they wanted me to pay it all at once or apply for a loan modification or reinstate the loan. My only servicing company, XXXX XXXX XXXX, had no knowledge of any other outstanding loan nor were they not contacted by Statebridge to cure any loan balance, plus I had never missed any payments with my one and only servicing company. 

I requested to reinstate the loan and applied for a loan modification at least 3 times but were denied all requests by Statebridge. 

On XXXX, Statebridge put my property in default. On XXXX, I filed bankruptcy to avoid foreclosure with XXXX XXXX XXXX but it was dismissed XXXX. My house was wrongfully foreclosed on XXXX during the COVID-19 while the courts were closed by XXXX XXXX XXXX attorney XXXX XXXX for new owner, XXXX XXXX XXXX XXXXXXXX XXXX or XXXX XXXX  XXXX XXXX XXXX who both are NOT registered to do business in California. I wasn't properly served nor had an opportunity to attend an auction to bid on my property. On XXXX, an eviction judgment was granted and on XXXX, I was locked out of my house by the Sheriff.

I am a victim of elder abuse and predatory lending. I am XXXX years old. I had been in my house since XXXX. My loan modification requests were not honored by Statebridge. I wasn't properly served of a foreclosure taking place during the COVID-19 pandemic. My house was wrongfully and fraudulently foreclosed by a business who is NOT registered to do business in the State of California which are XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX are stealing people 's homes and evading taxes because they're not registered with the CA Secretary of State. Their business address is not valid because a processor attempted to serve court papers, but no office was actually at the location. XXXX XXXX XXXX, owners XXXX and XXXX XXXX are selling houses for XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX XXXX, XXXX  who are not registered to do business in CA. 

All these parties involved needs to be exposed of the fraudulent transactions and put out of business. They need to be stopped in their tracks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Ocwen Financial Corporation
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was struggling paying my mortgage. I couldnt find a job due to Covid-19. I applied for financial mortgage assistance with my mortgage company, PHH MORTGAGE CORPORATION. They approved six months of forbearance, but later that year they sent me a notice saying that my application was denied because I missed one payment during the trial period. I explained to PHH that my bank did not sent my auto-pay because PHH changed its name on XX/XX/XXXX from PHH MORTGAGE SERVICES TO PHH MORTGAGE CORPORATION . Phh did not accepted my explanation and demanded for the full balance due of {$8000.00}. 
On XX/XX/XXXX, I applied for a deferment of the XXXX balance on my home loan # XXXX and to consider that my finances have increased significantly compared to when we first applied for mortgage assistance at the beginningof the year XXXX. They denied my application due to missed payment On the trial period on XX/XX/XXXX, which is exactly the day the company changed its name. I applied again on XX/XX/XXXX and again on XX/XX/XXXX and my application was denied again for the same exact reason, saying I failed to make a payment during the trial period in the last 12 months. I call back and they told me to apply again in XX/XX/XXXX, which is out of the 12 months after the missed payment. So I did, but again it was denied with the same exact reason. I call back today and applied again for a loan modification. They offered me a payment plan of XXXX per month. I requests to do it for XXXX instead. They couldnt do it. So I applied for a loan modification and were asked to wait for 10 days for the writers to review and respond. 
Mind-time I have sent monthly payments, but they all have been returned demanding to pay the full amount owed, which now is a total of {$14000.00}. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/2023 and the companies responded. They deleted and blocked some of the fraudulent items but there are still fraudulent items remaining on my credit report. I submitted a complaint again last XX/XX/XXXX and XXXX XXXX and again it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.

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 2023-01-01
Company: EQUIFAX, INC.
State: VA
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:
this is in-regards to my credit report and I have XXXX unauthorized inquiries that are on my credit report whenever you contact Equifax to XXXX anything on your credit report they give you a difficult time I also have a statement that I am to be contacted in regards to anyone trying to obtain my credit file. these are the XXXX XXXX authorized inquiries that they are failing to remove. 
XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX  XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX - XX/XX/XXXX. XXXX XXXX. XXXX - XXXX XXXX XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Re : Proof of Claim filed in US Bankruptcy Court-XXXX NJ Division Case No : XXXX Filed by : XXXX XXXX XXXX XXXX , FSB , d/b/a XXXX XXXX, not in its individual capacity but solely as Trustee for the XXXX Fund I Trust We deny and dispute the claim and demand strict proof thereof. See attached Debt Validation letter and copy of proof of claim. Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX I reached out to Experian 3 months in regards to the fraudulent activity on my credit account. My name is not spelled correctly, there are many incorrect reported addresses, there is fraudulent activity on my account. The amount owed is inaccurate. Experian has yet to verify this information and they have yet to delete it. Its been over 3 months since I sent them a letter, telling them they are committing fraud on my account.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting 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:
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 XXXXXXXX A very serious error is that these accounts are not mine, can you please delete them?

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 2023-08-22
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay. I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

Company response to consumer: Closed with explanation