BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
State: NV
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:
I requested a Covid 19 extension from the lender for 3 months in early fall XXXX. I requested a second extension for XXXX and XXXX of XXXX. The paperwork for the extension agreement had not come initially and it took weeks of phone calls trying to get them to email ( personal and work ) and send to my home mailing address. Anyway after many phone calls and email I finally got the initial one for the early fall and I signed it and mailed it in and by this time it was XXXX. 

Moving ahead, same multiple phone calls to this company and the second extension did not arrived. I then received a notice from a collector for the lender. Arrangements were made to settle the loan and an amount lesser than the loan balance. I received a letter from the collector in XXXX ( unfortunately I do not have a copy as it is in California in storage ) and requested a second proof letter on XXXX which is attached showing paid in full. Proof of payment on XXXX is attached. See the letter they sent me XXXX that says there is still a balance. However, when I call their customer service/title department they acknowledge that it has a XXXX balance and is settled in full. 

In the interim I have disputed with the lender because they were not sending my title after I requested the title on two separate occasions one in XX/XX/XXXX and again in XX/XX/XXXX. I was told the title would be mailed to me in Nevada even though the motorcycle is registered in California which is where I also bought it. Each time I have moved I notified the collector/lender. 

I am at my wits end. I had XXXX XXXX XXXX on XXXX and am still on XXXX. Every time I try to get this issue resolved, it stresses me out and is not good for me. I don't know what else to do and need some help. That is why I am reaching out to you. In fact, I've had witnesses when I call them and they have seen how often I get transferred around. Its horrible. Please help. I'm providing as much documentation as I have with me. Unfortunately, I am in XXXX, NV because I got sick here and had to have XXXX. I am not a permanent resident of Nevada and am currently staying with a friend while I attend doctor appointments.

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 2020-04-28
Company: Southwest Credit Systems, L.P.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After reviewing credit reports noticed an unfamiliar derogatory account from Southwest Credit Systems on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: Experian Information Solutions Inc.
State: GA
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 opened a dispute with Experian on XX/XX/21 for a Bankruptcy being reported by XXXX XXXX. I uploaded a document from XXXX XXXX dayes XX/XX/21 that states they removed the bankruptcy from my XXXX XXXX report because they could not verify the bankruptcy was mine. Experian closed my dispute today XX/XX/21 stating they verified with XXXX XXXX it was mine. I called them today and they stated I have disputed too many times and that why they closed it. They said if I want it removed I need to contact a lawyer and remove it from my public records. When I told them the court is not reporting the bankruptcy, it is XXXX XXXX, they said it doesnt matter. I ask to speak to supervisors and none are available. Im still waiting for previous requests to be contacted

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 2020-04-28
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The company, Ally Auto, locked me out of my online access and they force users like me to call a number to get a password reset. I have been calling for a few months and their operator always states that they can not assist with a password reset because the system is down. It is always down and they say call back. 

Since I am locked out I have been forced to use a third party payment system that charges a convenience fee that zi could avoid if I could have access to my account. 

I have also been unable to see if those 3red party payments have actually posted to 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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with transunion, XXXX  and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX  and XXXX however transunion sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE 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 explanation
Consumer complaint received 2021-10-20
Company: BSI Financial Holdings, Inc.
State: PA
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:
Hello, There are 3 errors on my credit report : 1. My loan type is FHA and its states that its an Conventional Loan.

2. My loan is not backed- up by FHA and my mortgage lender is charging me a fee to FHA because they missed up on my loan. FHA rejected my loan. I request information in writing from XXXX XXXX but they refuse to send me any documents in writing. I called FHA and they told my that my loan is not insured by them. 

3. My loan was closed in XX/XX/XXXX and I was not notified until XX/XX/XXXX. I made a payment via XXXX in XX/XX/XXXX and my payment was denied because they were no longer holding my account information. Once they told my who service my account, I made my payments via once I received the new information. BSI MTG has my payments are late 90-119 days in the month of XX/XX/XXXX, however XXXX has no information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I alerted Experian multiple times about a fraudulent account opened in my name as a result of identity theft. Experian took NO action to remove the account from my report or cross check their information with the other two credit bureaus who investigated the account and promptly removed it. 

I have been in contact with Experian multiple times to address the issue. Both via phone and via online disputes to no avail.

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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
CFPB please refer to case XXXX XXXX XXXX AS I stated with fact evidence from themXXXX that they could not show that the account was made or used by me. TransUnion in you stall tactics You state contact company please be advised that any and all documentation is kept and forward to the CFPB and the OCC You state contact company how about you contact company and investigate this you are in violation of FCRA 623,611And FDCPA 806 { b } you reporting information that you TransUnion can not confirm as factual but reporting of this account just like the company can not show any evidence I made or received any thing from them you have the documents I sent to you throught the OCC and CFPB showing this .CFPB my request from TRANSUNION show there investigations { even there Past investigations } in writing they make the claims but show nothing ever false reporting is just that false reporting and is a violation in its self. This is extortion. yes extortion on transunion and there company XXXX when will we get any actual facts and not just double talk or stalling .I dont think it will take you any time to show your facts you have on record now REMOVE THIS ACCOUNT THAT IS NOT MINE

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 2019-09-04
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper Mortgage company has received all my payments since XX/XX/2019. On XXXX I received a notification that say I did not make my payment for XXXX. 
I contacted their costumer service and emailed them the copy of my electronic payment through XXXX  XXXX XXXX. They didn't clear the records so I called again and they request I mailed a copy of my bank XXXX statement as a prove of payment. I emailed and mailed the copy of my XXXX Bank statements showing my payments cleared. Since no changes in my balanced were shown I called again and then they request a copy of my XXXX statement to prove the payment was not returned or decline. I sent the copy of my XXXX statement that proves my payments for XXXX and XXXX had cleared the bank and had been cashed by Mr. Cooper Mortgage company. 
Then they say they need to make a phone call to the bank with me on the phone to prove the payments. I agree to this but the called has never been made by their representative. In the mean time I keep receiving mailing with late notice and no payment from Mr. Cooper company and threats to send my case to a collection agency. 
I have been in contact with their Escalation Specialist Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX, He has no been of any help. 
I dont know what else to do to protect my credit record. I have done nothing wrong. Help! 
You can contact me by phone or email if you need any documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
on XX/XX/XXXX at XXXX XXXX, I went to a check cashing place to cash my paycheck and added {$500.00} from a {$600.00} paycheck to my pre- paid NetSpend Card. I used the card to purchase a one nights stay at a local hotel. The same night, I tried to use my card again at a local drug store ( XXXX XXXX XXXX but it was blocked. When I reached out to the company today XX/XX/XXXX at XXXX XXXX, they said my card was being restricted ( without any reason why ) and stated that I needed to provide a receipt from the check cashing place as well as my ID and Social Security Card. I told them that I had two of the three items they requested ( the receipt and drivers licences ), but I would have to apply for a social security card so that I could get my card re-activated and would not have any access to my money until then. Furthermore, my card being blocked in this way was a huge inconvenience as I would be without funds that I needed. I had at least {$410.00} on my card and I need it back. I do not want to use this pre-paid card service ever again if it is intended to cause these issues and inconveniences.

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 2020-12-08
Company: EQUIFAX, INC.
State: NV
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:
I submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on/around XX/XX/2020 and a second written request was sent via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, XXXX  and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 5 months from my first written request and more than 3 months since my second written request and I still have not received any responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SunTx Capital Partners
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: Information belongs to someone else

Complaint:
My company purchased two trucks. The loans, titles, contracts, etc. are under the company name. I'm NOT a cosigner. 

They are reporting on my personal credit reports. 

The accounts were closed months ago, and still they are reporting on my credit reports, when they shouldn't even be reporting on my credit reports, because I'm not the account holder. 

The accounts are reporting late, when the loans have NOT been late. Never. 

I've been trying to get it fixed for years. They always tell me that they are gon na fix it. But they never fix it. 

They have sent me emails saying that they will fix it, and they made a mistake, but they never do it.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX 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 explanation
Consumer complaint received 2020-04-28
Company: JPMORGAN CHASE & CO.
State: NY
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:
To whom it may concern, XX/XX/2020 I was on vacation in XXXX, and I looked at my accounts online with Chase bank. I noticed on my credit card had a purchase that I NEVER made that was for {$2100.00}. XXXX so I called Chase right away. 

Customer service canceled my card and sent me a new card once I got back. So XX/XX/2020 they put the charge {$2000.00} back on my account blaming me providing me with no explanation. 

Im not able to communicate with anyone because customer service keeps saying fraud department is not available and the number they gave me says no one is available to talk. 

I filed a claim with XXXX  and FBI so I can get this fixed. The police recommended I filed a claim with FBI. 

The purchase was made from a place called XXXX for {$2100.00} on XX/XX/2020 on my credit card a Chase Bank. The address is XXXX XXXX XXXX XXXX Delaware XXXX XXXX This is number they gave me to call but no one ever picks up. XXXX. I have emailed the fraud department for chase five times and they send me letter stating they will close the fraud case and blaming me. 

Please help me. I will fight this because I am a victims of fraud and my bank Chase will not help me! They have not given me any reasons, no affidavit, no reasons how they investigated, no comment except a letter blaming me for a charge I did not make. Thank you please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/XXXX We called to see what it was and they said to sign in with my debit card and wanted my information i put mine card number down on the pin and my zip code and i put it down they couldn't find me at all.I don't know who they are and they wanted my social security number i hung up because i don't give out my personal information out there. I only have one card and that from my bank in Texas I never been to Florida in 5 years it shows it from Florida on 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 2020-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX REPORTING PUBLIC RECORDS THAT I. OPTED OUT OF FTC VIOLATIONS BY LAW I HAVE THIS RIGHT!!! 
REMOVE ALL PUBLIC RECORD INFORMATION

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 2019-10-09
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am willing to identify and cc the letter that I wrote to a debt collection by the name of Credit Control Corporation, address XXXX XXXX   XXXX XXXX, XXXX XXXX, VA to a derogatory remark that showed up on my credit report that I do not frequently view. I sent a certified letter ( for confirmation ) to ask them to verify an open account that I did not have prior knowledge of and said that the verification was not a refusal to pay. I also asked them to only respond via mail, and to stop collection activity until I could figure out what is going on. Currently I do not know if I am a victim of identity theft, if this is an old account that was closed and sent to debt collection, or even if the amount shown is correct if it is an account that belongs to me. 

All I asked for is just competent evidence that I agreed to pay via some paperwork from who they bought the debt from, or even for them to halt collection activity while I look for answers. They have done neither, and instead have placed another derogatory remark for an account that I do not even know the existence of. Right now, I fear legal activity against me from a company who not only chose to not exercise transparency but who is also placing things on my credit report without updating me now that I've begun the process. It has at least been a week without them even telling me that they have chosen to look into it. What do I do? I also note that these aggressive actions only occurred after I decided to contact them even though I was apprehensive about it. I thought this was the responsible thing to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Franklin Collection Service, Inc.
State: CA
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:
Contacted XXXX  to file a dispute on a collections agency that is fraud. XXXX called back, but the call sounded fraud as the person asked for personal information and then hung up.

Company response to consumer: Closed with explanation