BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: TX
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 Experian To whom it may concern. 
I recently received a copy of my credit report and found that you are illegally reporting inaccurate information about me. The following alleged account is listed as a collection with a PAST DUE balance of {$150.00} with Experian and {$100.00} with XXXX and XXXX. Also XXXX shows a different account number. This is illegally reporting in several ways. Nothing between the XXXX credit bureaus is accurate and match up down to the late payments that should not be reporting on a charged off account because it is already late by default. But you have XXXX reporting a payment XXXX XXXX XXXX then EXPERIAN reporting that same month as a charge off. Then in XX/XX/2023 Experian reports that the account is 150 days late and XXXX reports 120 days late. But again there should be no late payments on a charged off account. I have included the letter from the creditor stating that what they reported is accurate and that any problems after are the fault of the bureaus. I need this removed now. This is a direct violations of my rights and illegal. You are suppose to report 100 % accuracy and this is far from that. 
Account Name XXXX Account # XXXX This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed. 
I demand you remove the inaccurate account immediately to avoid further persecution from the CFPB and Federal Trade Commission. Please send me an updated copy of my credit report snowing your compliance with all FCRA and XXXX XXXX Reporting requirements.

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 2023-07-19
Company: SYNCHRONY FINANCIAL
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-12-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting 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 disputed incorrect information on my report, requested a deletion and a full investigation but did not receive any. Although I provided all the necessary information required by law on my part. Experian is violating my rights. I have listed the concerns about their reporting in the document. The account in question is not complete and does not meet the standards; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well. 

In accordance with the Fair Credit Reporting Act This account has violated my rights : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Account # : XXXX Date Opened : XX/XX/. This account is inaccurate, incomplete and not adhering to compliance standards. 

According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what Experian have on file for me doesn't match what's listed, then there are problems with either Experian 's records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. Experian must finish the information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. I require that any mistakes be fixed permanently.

According to the FCRA, 15 U.S. Code 1681 section 602 A. States I have the right to privacy. 15 U.S. Code 1681 Section 604 A. section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-07-19
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company is NuwRez LLC. I received a call from one of their representatives stating I was at risk of foreclosure for mortgage payments ( XXXX ) on XXXX at XXXX XXXX I called them back that afternoon at # given to me by my previous lender ( XXXX XXXX ) for contacting them ( XXXX ). They verified my loan was up to date. 

My concern is this company should not make threatening phone calls on a loan that has just been transferred to them. I can prove I have never had a late payment for my mortgage in the 24 years I have had the loan. Please do what you can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Total Card, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The collection company said if I did not pay the collection that they would file a warrant against me and I would be arrested for not paying the collection that I knew nothing about and then kept making harassing phone calls to me.this collection must be removed from my credit report this is wrong and against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: T.S. Holdings
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I cosigned for a lease on XXXX and asked that my name be removed via a phone conversation in XXXX. I had no knowledge the lease was still in my name as all communications from them stopped. 

In XX/XX/XXXX a collection debt for {$15000.00} showed up on my credit. When I called they advised me it was for the lease I cosigned. I asked for proof that I signed a new lease in XXXX and they have not been able to provide it and is charging me {$2.00} in daily interest. 

They sent me a letter statement of the balance owed but no proof of the lease with my email that the leasing company had on file for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Solar Mosaic LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I signed for for an amortized loan for solar panels for my house. However, they are taking no money off of principle whatsoever. As a matter of fact, I made higher than normal payments, and they have not taken a single penny off of my principal. When I have called to speak to a manager they gave me the runaround and told me nothing was available. So far I made payments and my balance have gone down XXXX even when I made additional payments. My payments are {$210.00}. Ive been making payments at {$300.00} in order to pay off the principal quicker but they have taken no money off even for making the original payment. Please see attached email in which the balance does not change and they write it off as payment for interest. This is not at interest only loan and if it was, the difference/additional still should have been applied to the principal. They are literally just taking my money into their pockets.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Experian Information Solutions Inc.
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:
After contacting Experian on numerous occasion through certified mail regarding XXXX XXXX. They are continuing to report this inaccurate account. This is defaming my charter. Experian is the only bureau reporting this the account. This goes against FCRA requirements and guidelines. Experian knows this is against but they continue to report it anyway. I have attached a screenshot showing that westlake financial was deleted from XXXX and XXXX because the XXXX XXXX  account wasnt in compliance with the FCRA laws. Please be advised that Experian is aware of this violation but they continues to violate my rights as a consumer.

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 2020-07-22
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am an elderly woman that is a victim of fraud. I temporarily lived with my daughter and her roommate used our information and stole from us both. I have received debt communication trying to sue me. I am on a fixed income and never used credit accounts.Please help me.

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 2023-10-27
Company: Applied Data Finance, LLC
State: AZ
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:
Back in XXXX I had identity theft and accounts were open with my information. It got to the point where my social has issues now with the IRS due to the theft. This company I have no knowledge of, when I looked at the last case I created the address and other information doesnt even match any past addresses or information of mine. This needs to be removed immediately and when I let Personify know it was identity theft they told me to fill out a form and send it in. When I sent that information a hour later they told me to pretty much kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
My wife and I purchased a home and applied for a mortgage with Peoples United Bank. At the outset, I told them weIhad a long dated purchase contract which gave us 120 days to close and I did n't want to begin the loan application process immediately for I knew the rate lock would be an issue and that I intended to sell my current residence but wanted them to consider the new loan without requiring me to sell the existing home as a condition. I had ample assets to satisfy the loan application without selling my current home. 
Peoples immediately pulled a credit inquiry report in XXXX which I asked them not to do since I had n't wanted to start the loan process ( I was also travelling for work and out of the XXXX for a month ). As 30 days expired from when the credit inquiry was pulled, I then commenced the process and they pulled a second credit inquiry report. When they finally issued a commitment it required me to sell home and given the market conditions I was unable to do this. Then the loan officer suggested I take out a home equity loan which I applied for with the understanding I needed to have it closed by XXXX XXXX and yet another credit inquiry report was pulled. Peoples failed to deliver the commitment by the needed date and further knowing that my home was for sale required me to repay nearly {$5000.00} in costs if I sold the house within two years. They knew this made no economic sense yet ( and asked me to apply for the HELOC ) given the house was for sale. So not only did they fail to meet the XXXX XXXX timeframe they also offered me XXXX loan products which made no sense. And with XXXX credit inquiry reports my credit score was lowered by about XXXX points! It is the credit score reduction which i seek redress, I am XXXX XXXX XXXX and have paid every bill in my lifetime on time. I am proud of my strong credit history and want to be compensated or have the inquiries removed. Obviously they additionally failed to provide me with a mortgage product which I could use but I do n't believe I have a valid complaint for that as they are within their right to place conditions. Finally, it was never disclosed to me by Peoples United the negative impact to my credit score for the XXXX inquiries and this is fundamental to my complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-20
Company: MIDFIRST BANK
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom It May Concern : I made a written request to my current mortgage company, Midland Mortgage, to eliminate the PMI. I have not been late with any mortgage payments for at least a year and I have more than 20 % equity in my current home ( my mortgage has reached the 80 % loan-to value ratio ). 

Eliminating the PMI, will help me continue to make timely mortgage payments and reduce financial constraints. 

Sincerely, 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 2023-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently sent a letter to this company asking for them to stop contacting me in regards to whatever it is that they keep calling me about because I have no idea what it pertains to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime is purposely not sending the XXXX that was left in my account. They unfairly closed it XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Damage caused or loss of personal items in vehicle during the actual repossession

Complaint:
XX/XX/XXXX my XXXX XXXX XXXX was repossessed by XXXX XXXX XXXX XXXX. The lender was Capital One Auto Finance. When we picked up the vehicle after paying all the outstanding fees we noticed it didn't have power steering. We filled out a notice of damage form from the vehicle storage where the vehicle was stored after the repo. 
We had it looked at by XXXX XXXX XXXX and provided a estimate to repair the damages. We contacted Capital One Auto Finance and submitted the claim. They denied the claim stating we submitted the claim too late and there is nothing they will do. The vehicle is worth XXXX and the damages were estimated at XXXX. In addition they reported the loan as charged off on me and my wife 's credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: PR
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These informations is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect 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 2023-12-09
Company: WELLS FARGO & COMPANY
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo allowed someone to garnish my account without any notice to me and froze it. They took all of my money i.had in my checking account. It was around {$1600.00} and would not pay me back for that or any fees.

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 2016-11-02
Company: Porsche Financial Services, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Porsche Financial Services sent me a letter stating direct payment has been setup on XXXX 2016 which stated that the starting date is XXXX/XXXX/16. on XXXX/XXXX/16 I got a call that I 'm late 60 days. I sent their letter of confirmation to the email address they provided, XXXXXXXXXXXX and verified they received it while I was on the phone with them. Today I got a notice from credit reporting bureau that Porsche Financial Services reported 30 days overdue on my credit. This is unacceptable. I 've been trying to setup a direct payment since XXXX. They have extreme level of limitations and very inconvenient. Their technology is extremely behind and the consumers have to suffer. Ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 revisited my credit file and to my dismay, I still see damaging reports that you failed to either CORRECTED or REMOVED. Under FCRA it is my rights to dispute and take proper legal actions to the any inaccurate and missing information my report. For one LAST time I am asking you guys to perform a logical investigation on these accounts. If you still chooses to ignore this dispute, when there is relevant and new information given as per FCRA my other choice is to have this issue escalated and file a complaints with the attorney general in my state, attorney general in your state, Consumer Financial Protection Bureau, Justice Department. 


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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 2023-07-21
Company: CITIBANK, N.A.
State: CT
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:
In XXXX I used an XXXX XXXX credit card ( issued by Citibank ) to buy 2 tickets, total value of {$1900.00}. At the time of purchase I paid an extra {$250.00} to make both tickets fully refundable. Since the pop-up offering this option said nothing about fare conditions, I checked the fare rules ( supposedly legally binding ), which said that these tickets were refundable anytime. Both trips were cancelled well before the departure dates. But when I applied for a refund in XX/XX/XXXX, XXXX said the tickets expired one year after issue and would not be refunded. This was NOT disclosed when I bought the tickets. Since when does refundable anytime mean refundable only within one year? Does XXXX abide by its own fare rules? It appears they do not. 
At that point, I stopped making payments and disputed these charges, but got no useful response ( see dispute letter I sent and Citibank 's useless response ). I have also contacted XXXX XXXX about this matter, but they have refused to do anything to resolve this dispute, saying only that it is between me and Citibank. 
Now Citibank has filed a collection lawsuit against me, trying to force me to pay over {$2500.00} ( including an outrageous {$600.00} in interest ) essentially for NOTHING and threatening to ruin my credit if I do not. If they want to recover what they paid for the tickets, they should be suing XXXX, not me. This is ABUSIVE and this lawsuit needs to be withdrawn.

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