BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Dear XXXX, I am writing to dispute the charges on my Care Credit account related to XXXX  services provided by XXXX XXXX XXXXXXXX XXXX The purpose of this letter is to request a full refund for the amount paid, as I did not receive the medical care that was promised, effectively resulting in being unjustly charged and ultimately ripped off. I kindly request that you take immediate action to rectify this situation and credit my account accordingly. 

Enclosed with this letter, you will find the receipt documenting the payment made to XXXX XXXX XXXX on XX/XX/2022, in the amount of {$3000.00}. This payment was intended to cover the dental services I was expecting to receive, but unfortunately, XXXX XXXX XXXX failed to fulfill their obligations, leaving me without the promised medical care. 

Furthermore, I insist that all additional charges incurred on my account in relation to this transaction be reimbursed as well. The total refund amount should reflect the disputed amount plus any associated fees or charges. I trust that Care Credit will thoroughly investigate this matter and ensure that I am not held responsible for a debt that arose due to the XXXX  company 's failure to deliver the services for which I had paid.

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 monetary relief
Consumer complaint received 2023-06-16
Company: Westlake Services, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I purchased a vehicle from them XXXX XXXX XXXX in CASH actually he ( man in office ) ran my card as CREDIT and took out the full amount with out my proper permission, but since it would be CHEAPER to pay the XXXX XXXX vs the {$6100.00} sticker price I didnt complain. 
I was not aware that he would be running my credit illegally since i NEVER financed thru them. They also took the car back claiming I owed them money, these are the dates my credit was illegally pulled : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called up there and they assured me they had NO FINANCE company and they didnt know who or why XXXX XXXX connected to 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 explanation
Consumer complaint received 2023-06-16
Company: Ygrene Energy Fund Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
i received a XXXX XXXX loan to replace my windows. It was a {$6400.00} loan, to be paid back over time, through my property taxes. 5 years later, i went to pay the loan off and they charged me from a demand statement, and when i received it, it was for significantly more than the original loan amount and, they charged a 5 % prepayment penalty and a redemption fee. They never explained why the balance went up even though it was being repaid on time for 5 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-12
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Over the years, I have written several letters in hopes of rectifying this situation. I have received a letter stating that this debt was written off as a charge off in XX/XX/XXXX. This company is now reporting inaccurate information to all three credit bureaus, claiming that this is a new debt and that this account was opened in XXXX. According to a letter I received from XXXX XXXX XXXX XXXX XXXX. This account was opened on XX/XX/XXXX and charged off on XX/XX/XXXX with a balance of {$1500.00}. On my credit reports, this company is stating I now owe almost {$1800.00}. Which is completely incorrect. I am asking for this company to be reinvestigated for posting inaccurate information and I would like for this collection to be removed from all three of the credit bureaus. This is not my debt and I have been fighting this for so long. I did not authorize for this account to be sold and it should not have been reopened as a new debt. This is harming my credit and I would like for this to be rectified as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Synchrony Banks own website is still not correct. I did exactly what Synchrony Banks website says to do to make a payment. Synchrony Bank negligently mishandled my previous XXXX  XXXX XXXX Cashier 's Check and lost it. Synchrony Banks Representative answered previous complaint providing me with new address to mail my payment. I want to be clear. Where do I mail my replacement payment? I don't want a repeat of the last 90 days of Synchrony Banks negligence in mishandling my previous payment. Also Synchrony Bank did not refund me enough money to cover fees to stop payment of XXXX  XXXX XXXX Cashier 's Check that Synchrony Bank negligently mishandled and lost, and it's replacement. The fees are {$35.00} to stop payment and {$15.00} to reissue.

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 monetary relief
Consumer complaint received 2023-05-25
Company: HYUNDAI CAPITAL AMERICA
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
In XXXX I purchased a certified used XXXX XXXX XXXX from Kia in XXXX, XXXX  for {$15000.00} under my maiden name. My car was financed through Kia Motors Finance at the time. 

In XXXX I paid the remaining {$12000.00} balance from my joint XXXX account with my husband under my married name through a payment request from our account to Kia Motor Finance. 

At the end of XXXX we got military orders to move to XXXX I then inquired about my title and was told it was sent to a random address of which has never been on my account and was not ever verified before sending the title. 

I then requested multiple times for the title or lien release to be sent to me of which it got denied each time because Kia Finance stated that I was not the one that paid the loan off. However, I explained very clearly the situation and was still denied my lien release. I then reached out to someone from Kia Finance Corporate who was able to assist me in getting my lien release. At this time I also emailed in a copy of the check and proof that I paid off the vehicle. I received the lien release the day the military needed to ship my vehicle. 

Upon being in XXXX, my registration expired. I attempted to get it renewed, however. The XXXX  DMV said I was unable to get the registration renewed with the lien release due to it still being in Kia Motor Finance 's name and because I purchased the vehicle in XXXX Following this encounter, I reached out to Kia Motor Finance customer service again to request a duplicate title to be sent to me. I was told that it would be sent out as soon as possible. I also spoke to the XXXX  DMV who verified that Kia Finance was in fact the one who needed to request the duplicate title. A couple weeks later I called and was told that my request was once again denied to which I was never told was the case. I then spoke to escalations who gave me another email to resend the documents. I sent the documents and was again told the title would be sent and it would be received within 10 business days. Upon checking on the status of the title following the 10 business days, the title had still not been sent out. As of XX/XX/XXXX I was told once again the title request has been submitted but have not received any proof that this is the case. I have also spoken to a military lawyer who has submitted a written request. 

Due to my registration being expired since XXXX, we have had to get a new secondary vehicle because I am unable to legally drive my vehicle or sell it if needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: PA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score.

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: MOHELA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela did not certify all of my employment correctly. There is a gap in my qualified payments, 15 months to be exact, due to not backdating the employment dates per laws with the PSLF program. Due to this error, I am only receiving 60 qualifying payments, when I should have at least 74. I have attached a copy of the application that was provided to Mohela in XXXX. My identifying information has been removed for security purposes, but it was present when provided to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Specialized Loan Servicing Holdings LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have experience trouble changing my home owners policy to a new vendor. In talking with my XXXX agent, I was offered saving on my policy due to bundling with my auto policy. I have uploaded the Insurance disclosure page to myinsurance portal to update the escrow account. In return, SPECIALIZED LOAN SERVICING, LLC has sent me text links to upload the documents. I have uploaded the one page document from my Insurance agent at XXXX beginning on XX/XX/1924, and XXXX. My agent has also uploaded the insurance disclosure 3 or 4 times since the policy was written. Every time I receive a text notification and email stating " We are unable to process you doc ( s ). Resubmit docs. '' Neither my XXXX Agent or I am able to successfully update the documents with SPECIALIZED LOAN SERVICING to date, and the updates must occur by the end of the month, XX/XX/XXXX, or it will not show I have insurance on my home. Both my insurance agent and I have not been given a phone number to call in our corespondences with this Mortgage Holder, and he pointed out this is unique. Without any phone number to call, neither of us have any option to followup except to keep submitting the documents through the myinsurance portal. Please let me know what I can do to expedite this matter before the end of the month. 

Thank you

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 2023-12-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A bank account was opened in my name on XX/XX/2023. Also a debit card was issued in my name and sent tomy home address. I never opened up an account not applied for a BOA account. I called the fraud department and got the account canceled. They informed me to get credit monitor or locked to prevent further fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: CCS Financial Services, 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: Account information incorrect

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. 
Credit Collection Serv ACC # 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  CREDIT COLL ACC # XXXX, has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an 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 accurate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Fraudulent hard inquiries on XXXX and Transunion credit report XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has multiple hard inquiries

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 2022-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries and addresses are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these items from my credit file. 
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 XXXXXX/XX/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 2023-05-25
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage being serviced by Shellpoint Shellpoint Mortgage Servicing XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX There are multiple properties securing the loan, and I am trying to get a release ( payoff ) for XXXX of the properties since XX/XX/XXXX. Initially they gave me a payoff XX/XX/XXXX, but it was for someone else loan ( it had all their personal identifying info on it ). I since have been trying for a whole month to get a payoff, and I have no luck. They say they are waiting on the investor to give them the information. I try to call at least XXXX  times a week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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