BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-18
Company: Palmar, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX for over 10 years. They didn't want me to cancel even though I was adamant the bill was just getting too expensive. Since I owned the phone and the contract was up my son took the number and transferred to another company. Months later I receive a bill for over {$500.00} with constant harassing phone calls threatening to take me to court etcetera. I filed a complaint with corporate office about the incident and never heard anything else until a debt buyer bought it out.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-28
Company: SYNCHRONY FINANCIAL
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I received a text message from XXXX ( XXXX ) XXXX on Friday XX/XX/XXXX, XXXX XXXX PST sent to my cell phone number XXXX ( XXXX ) XXXX The text message stated : FreeMsg : Synchrony Fraud Dept. Did you attempt {$560.00} at WALMRT SPRCNTR * XXXX   with card ending in XXXX YES or NO Case XXXX To Opt Out reply STOP I replied NO then STOP in a separate message. I then received a phone call from this number. The representative did not introduce themselves or ask for my name or have any of my information. I told them I am not a member of Synchrony bank and this was sent to me in error. I hung up. The man called me again form the same number and told me that this misunderstanding happens sometimes and he just needed more information to deny the claim. I then hung up. 

When I called Synchrony Bank on XX/XX/2020 and spoke to their Fraud department, they informed me I did have a closed account from years ago with Synchrony Bank but it did not end in 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 2021-03-01
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: Experian Information Solutions 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:
I have repeatedly disputed a fraudulent charge on my credit report from a company named XXXX XXXX XXXX XXXX XXXX and Experian continues to report it. I have no knowledge or ownership of that account and it is preventing me from acquiring a mortgage loan and must be removed 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 explanation
Consumer complaint received 2018-03-06
Company: WELLS FARGO & COMPANY
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I've spoken to XXXX on numerous occasions and even filed a previous complaint. However in trying to get to the bottom of the issues I've have discovered new problems. One being a constant contradiction in information, I was told unverified student loans were given out for more than needed regarding educational expenses to help cover student financial situation while in school ... .. However is said on the promissory note you will not use funds for anything other than educational expenses ... .. which on the contract is signed with a computer generated x, ( not my signature ) nor was ever discussed. Secondly I was told when the loan was originated the interest rate was 15 % total amount paid would be XXXX XXXX. ( just recently discovered as disclosure was never given ) When I began paying the loan it was 5 %, and had changed as it is variable ( still waiting on the details of all interest rates ) yet I will still pay XXXX XXXX??? How is That? It should have changed with the changing interest. I was also never given the disclosure, when I called and asked for all documentation that would have been given on the day of origination I was given the promissory note but no disclosure, when I filed a complaint the disclosure was sent ... ..interesting. thirdly, I was told after 24 payments my cosigner would be dropped, wrong again must pass credit worthiness, which means a hard pull on my credit. Which I've already tried and was denied. I was denied to refinance with two separate cosigner, one of which was the original  cosigner. I can no longer afford payments and there is no help offered by XXXX. Ive already paid XXXX XXXX the loan was for XXXX XXXX and I still owe XXXX XXXX ... ... this loan has broke me and I'm left without options

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 2020-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/XXXX, XXXX XXXX sent me a letter where it says that they have agreed to delete the XXXX/XXXX XXXX inquiry with a date of inquiry of XX/XX/XXXX from my credit report. On the letter it also says that XXXX XXXX had sent TRANSUNION request to delete the inquiry from my credit report, it seems to me like TRANSUNION had enough time to delete the inquiry from my credit report and send me a copy of an updated credit report, this request was sent to them over 6 months ago and the inquiry is still showing on my credit report. I dont know why TRANSUNION is not doing what they were told but the creditor has agreed to delete the inquiry from my credit report.

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 2021-03-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX or XXXX ( XX/XX/XXXX ) I engaged my mortgage lender about a mortgage deferment program due to the loss if income, and eventual loss of job, that I suffered due to Covid-19. They informed me that, due to demand, they would put me in the backlog of mortgage deferment program applications, and temporarily place in a forbearance plan until they could reveal their deferment program. 

Since then, I have called at least each month, and in many cases multiple times per month, to ask about the status of my deferrment plan. Each time I have been told that the derment plan is " in progress '', that they are " working on it '', and that the agent has " escalated '' the plan. 

To this date I have received zero communication from them. They have never called me back - I have always had to follow up, and progress through the entire phone tree, often taking 1 hour each call, just to finally speak to a loss mitigation specialist, who each time has zero information and repeats the same line without giving me any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I never live in the state of Georgia I never had any charges in the state of Georgia on your report it says that I had lost my license due to substance control code 893 Ive never been in Georgia never live there so whatever you have from that state is very very in accurate and I would like it removed from this report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I receive section XXXX subsidy payments from Dept. Housing & Urban Development ( HUD ) As a result of the recent government shutdown, which affected HUD, my payments were delayed causing me to miss a payment with Synchrony Bank issued Walmart card. 
Every body in this country knows a lot of people were late on bills and rent, some didn't have food as a result of the shutdown ; as it was widespread on the news.

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 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
While checking my XXXX  credit report I came across several hard inquiries that I DID NOT authorize. 

These are three of the ones that I did not authorize. Oddly, they all have the same date All of these have the same date of XX/XX/2016. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am disturbed that XXXX and Experian are still report a dismissed bankruptcy ( chapter XXXXChapter XXXX ). The fair credit Reporting Act mention nothing in the section 1681c relating to bankruptcy about dismissal or filling. The law clearly states from " date of adjudicaiton '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no rights to maintain information which the government has deemed non existent. Therefore, pursant to Section 1681 ( a ) ( 5 ) of the FCRA you must delete this information from my credit report and send me an updated copy within 14 calendar days of the response.

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 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 have requested a method of verification from XXXX  TransUnion XXXX on 3 Collection account bureaus refuse to deliver the message it is my right the account has been sold and paid for sale of the vehicle and XXXX XXXX does not have me in their system the information is an accurate on my credit report and Bureaus refused to remove the information or send requested METHOD OF VERIFICATION. 
ITS ILLEGAL AND THEY ARE NIT IN COMPLIANCE.. 
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 2017-08-08
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX i filed a dispute with equifax. I just checked and the web page for disputes pertaining to Equifax says temp unavailable. This has already been a week with the same message. I call the phone number and it is impossible to get through to a live person. On the phone it says that the investigation was completed on XX/XX/XXXX. I never received the results. If Equifax is so irresponsible to handle my dispute with such disregard. I dont see why they should be allowed to report on my credit. My name is XXXX XXXX the last four of my social are # XXXX date of birth is XX/XX/XXXX. I want someone to call me from equifax. I also want my results mailed to me. Lastly I want Equifax reprimanded for not keeping thier website in working order.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: DC
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:
Ove the last 60 days multiple unauthorized auto finance inquires present on my consumer reports from unknown creditors. 
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX Auto Financial XX/XX/XXXX Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Bread Financial Holdings, Inc.
State: NY
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:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied for refinance with Chase. The underwriter asked for additional assets. We emailed about additional asset options several times, but never heard back and shockingly found out that our application was denied on the basis of insufficient asset. The denial decision was ungrounded. We have enough assets. Counting in any of the additional options in our email, we should have enough assets. However, our communication and efforts to discuss these additional asset options kept being ignored. Our application was denied before anyone responded to us regarding those asset options. We deserve more fair treatment, after such a long period of waiting, than simply being dismissed without reasonable communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
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: Account status incorrect

Complaint:
I have tried fixing this on my own directly with the credit bureau and it has yet to be fixed. Transunion & XXXX  is reporting 2 accounts with late payments and this is incorrect. 

1. XXXX is showing 2 late payments for XX/XX/XXXX & XX/XX/2017. This is absoultely incorrect and needs to be removed immediately as it is affecting me negatively and should never have been reported. 

2. XXXX XXXX is showing 1 late payment for XX/XX/2017. This is also absolutely incorrect and needs to be removed immediately as it is affecting me negatively. This should have never been reported late and XXXX is saying it's not on their end. 

Lastly, the address being reported on both Transunion and XXXX  that has never been my address and I have disputed and it keeps getting added is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX PLEASE REMOVE THIS 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 explanation
Consumer complaint received 2019-06-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX has re-aged a debt on my credit reports. On XX/XX/XXXX, I received a copy of my report from Equifax with a " date of first delinquency '' reported as XX/XX/XXXX. Yet, the debt remained after the 7 years were up. After several direct disputes and disputes with the credit bureaus, the account was deleted from all three of my credit reports. 
Recently ( and without notice ), XXXX XXXX XXXX XXXX re-aged the debt and added the account back to my Equifax credit report. I disputed the account with a copy of my original Equifax report dated XXXX XXXX as proof that the previously reported date of first delinquency was XX/XX/XXXX. This would mean that this debt is now obsolete. Yet, Equifax responded with an updated copy of my report dated XX/XX/XXXX which shows this company has changed the date of first delinquency to XX/XX/XXXX which is incorrect! 
This company is deliberately violating the Fair Credit and Reporting Act in an effort to keep this negative account on my credit reports. 
I have attached copies my credit reports from XX/XX/XXXX and XX/XX/XXXX as proof that the XXXX XXXX XXXX XXXX has re-aged this obsolete debt. 
If this obsolete debt is not deleted from my credit reports, I will contact the FTC and my attorney general due to multiple violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
There are multiple hard inquiries on my Transunion report that are exactly the same, with the same dates. I did not authorize these credit inquiries. At the very least they should be consolidated, if not removed altogether. There are three hard inquiries all from XX/XX/XXXX from XXXX XXXX. There is also one from XX/XX/XXXX from  XXXX XXXX XXXX XXXX????? I never authorized this company to pull my report.

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 2021-03-01
Company: SYNCHRONY FINANCIAL
State: AL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, SYNCB/TJX CO DUAL CARD Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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