BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-05
Company: Sentry Recovery and Collections, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Closed case XXXX states that the company who has been calling us did not say the debt was from them. We originally filed a complaint on XX/XX/20 and now on XX/XX/20 they are harassing us again and my family members. They called my uncle and myself around XXXX XXXX on XX/XX/20. I called CFPB sometime last week to discuss the next steps and the CSR stated that Sentry did not accept responsibility for the debt we reported them for. A XXXX called left a voice message saying I needed to call them back. When I did they would not verify the debt unless I provided my last name and DOB. When I refused they hung up. This will be the 2nd time I report Sentry and this time I do not want the case closed. Sentry is lying to the CFPB and myself and need to held accountable.

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 2020-05-20
Company: Mr. Cooper Group 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: Old information reappears or never goes away

Complaint:
Mr. Cooper has been going back and forth with me for some time as they were trying to charge forced placed insurance claiming that I did not have it. I provided proof that I did have insurance. It has been several years or going back and forth with them and now they have placed me in collections as a result. This is affecting my ability to refinance or to get a reverse mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Block, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have multiple holds on my card that have been pending almost a month. I reached out to the merchant ( XXXX ) and they claim they finalized/released said transaction holds and that the bank ( cash app/XXXX ) is holding my funds. The merchant ( XXXX ) even provided confirmation numbers. The bank ( cash app ) refuses to look into the issue and just sends me premade templates about pending transactions even after providing them with the direct communication from the merchant ( XXXX ) that they released the funds and even the confirmation numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
Hello, I recently looked on my XXXX XXXX Account and noticed a few hard inquires with my profile. 

1 - Syncb/XXXX - This was approved by XXXX and I should not have any hard inquiry with this card as it was approved and not declined. Please remove this from my credit account. 

2. Paypalcreit ( XX/XX/XXXX ) - PayPal will not list that this will affect your credit score, nor did I apply for paypal credit. They've not provided information on what this was for and I would like this removed as well. 

3. XXXX XXXX ( XX/XX/XXXX ) - I did not apply for any loans, I did look at loan " offers '' through XXXX XXXX, but I did not apply for any to pull credit information from my account. 

4. XXXX XXXX. ( XX/XX/XXXX ) - I had a secured card from XXXX XXXX, therefore this should not effect my credit score, I did not apply for any other card besides the secured card that I had opened. 

Please remove these from 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 2021-01-27
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX  XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} EQUIFAX XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00} XXXX  XXXX US DEPT ED accounts say that they are closed but in reality they are still open due to the fact of the balance that i have no knowledge of balance : {$7100.00} balance : {$6700.00} balance : {$3800.00} balance : {$3800.00} balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: General Motors Financial Company, 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: Account information incorrect

Complaint:
the late payments need to be removed from my account. I have never been late on payments with this company. 

Please see attached documents. I have been reported late for XX/XX/XXXX and XX/XX/XXXX. Once again I was never late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
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:
I received a payday loan from Ace Cash Express in XX/XX/2020 and I paid it back on time one month later. Then I received another payday loan XX/XX/2020 and paid it back on time one month later. I have recently noticed I have two hard inquiries from them I did not authorize them to do a credit check, nor did they disclose to me that they were doing a credit check it was literally a four minute interaction I was borrowing money from my own paycheck..On top of that they did too hard credit checks within a one month period for the exact same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I am XXXX XXXX XXXX and Transunion is charging {$5.00} every time I want to lift a freeze temporarily on my Transunion Credit report. XXXX and XXXX don't seem to do this. 
Given the breach of these reporting agencies this should not be allowed in my opinion. 
Thanks,

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 2020-11-21
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 have disputed the inaccurate reportings with XXXX, Experian, and XXXX  several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX , and XXXX XXXX XXXX. I never paid the following accounts late, XXXX  XXXX : XXXX  is reporting a payment status of Current but then reporting a late payment of 30 days late in XX/XX/XXXX, Experian is not reporting this account, XXXX is not reporting this account, XXXX XXXX : XXXX  is reporting a payment status of Late 120 Days then reporting late payments of 30 days late in XX/XX/XXXX, 60 days late in XX/XX/XXXX, 90 days late in XX/XX/XXXX and 120 days late in XXXX through XX/XX/XXXX, Experian is not reporting this account, XX/XX/XXXXis not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XX/XX/XXXX Account Number XXXX XX/XX/XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$1000.00}, Experian is reporting an opened date of XX/XX/XXXX with past due balance of {$480.00} and XX/XX/XXXXis reporting an opened date of XX/XX/XXXX with a past due balance of {$680.00}, XXXX XXXX XXXX Account Number XXXX XX/XX/XXXXis not reporting this account, Experian is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$5400.00}, XXXX Account Number XXXX XXXX is not reporting this account, Experian is not reporting this account and XXXX is reporting an opened date of XX/XX/XXXX with a past due balance of {$430.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XX/XX/XXXX, Experian and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and XX/XX/XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter 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 explanation
Consumer complaint received 2023-06-10
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-01-27
Company: EQUIFAX, INC.
State: TN
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX has reported my account as paid late 30 - 59 days twice wrongfully : 1. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00} my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$650.00} and XXXX XXXX processed the payment on that same date. Given that XXXX in XXXX has 28 days this means that my payment was made and processed on the 28th day and not 30 days or more. By law they should have not reported a payment made before 30 days as a 30 to 59 days late. Now this is reported on all major credit bureaus and XXXX XXXX is refusing to acknowledge and abide by the consumer protection protocols and laws. 

2. Reported on XX/XX/XXXX a payment status of 30 days and an amount delinquent of {$640.00}. my payment was due on the XXXX of XX/XX/XXXX, I paid and the payment posted on XX/XX/XXXX the amount of {$640.00} and XXXX XXXX processed the payment on that same date. Given that XX/XX/XXXX was a Saturday this means that my payment was made and processed on the XXXX but what XXXX did is that they counted the week end and end of business the following Monday and reported my payment to the credit agencies as paid on XX/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 explanation
Consumer complaint received 2022-08-06
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: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my reports coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block and removed any items in my credit record that came about due to an alleged identity theft or extortion. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$560.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Bay Area Receivables, Inc
State: VA
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 received a letter dated XX/XX/XXXX from a company called Bay Area Receivables about a debt they claimed I owed to them in the amount of XXXX, forwarded to them by XXXX XXXX. On XX/XX/XXXX, I responded with a debt validation sent as certified mail with return receipt. The company received and signed for that letter on XX/XX/XXXX. Bay Area then responded with the necessary documents to support the validation of the debt. However, the debt had already been satisfied - over two years ago. I mailed in a copy of the money order receipt ( dated XX/XX/XXXX ) on XX/XX/XXXX ; certified mail return receipt. The company received that letter on XX/XX/XXXX. They failed to respond to that letter however, they proceeded with putting the inaccurate debt on my credit report AFTER this letter had been received and signed for. I sent a direct dispute against the company on XX/XX/XXXX which was received and signed for on XX/XX/XXXX. I have allowed the 30 days to investigate PLUS the five days to mail and have yet to receive a response. This company has failed to comply with the dispute period set forth in FCRA 623 ( a ) ( 8 ). This false information on my credit report needs to be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: Social Finance, Inc.
State: RI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I co-signed my wife 's student loan re-finance with SoFi in XXXX of 2018. At the time, we were informed that after 12 months of payments, I could be released from the loan. However, today I was informed by a SoFi employee that SoFi doesn't offer co-signer release. We were completely misled by SoFi. 

This is directly from the SoFi website : Though it never hurts you to keep a co-signer, you can offer releasethe official terminology for removing that person. Maybe your co-signer was happy to help you get approved, but after a certain amount of time wants out due to stress or even just a change of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
XX/XX/18 I opened an account with this bank and the next day it was closed by the fraud department because I am on a hot list but wont tell me where they are getting the information from.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: WELLS FARGO & COMPANY
State: NJ
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 have paid off my car loan about 4 years ago. Wells Fargo never sent me the title and now that I want to trade in the car they are making me wait up to 1 business week to get the proper form faxed to the 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 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
None of these Hard Inquiries were done by me, why are they on my credit report:|TRANSUNION| |HARD INQUIRES:|XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX/XXXX  XX/XX/XXXXXXXX/XXXX  XX/XX/XXXXXXXX XXXX   XX/XX/XXXXXXXX-XXXX  XX/XX/XXXXXXXX-XXXX   XX/XX/XXXX||XXXX| |HARD INQUIRES:|XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX., XXXX XXXX  XX/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 explanation
Consumer complaint received 2020-06-02
Company: EQUIFAX, INC.
State: VA
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:
The following accounts have been opened in my name due to someone stealing my identity. Please remove them off my report. 
- XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2018 via online chat at XXXX I inquired about closing my account and paying my balance. After XXXX told me the reasons why I shouldn't I agreed and I asked the person I was chatting with online to NOT close my account. He continued to close my account. He told me he could not rectify the issue. and gave me a 1-800 number to call. That was the wrong number ( the number for XXXX credit cards, not store credit cards like mine. ) I was then transferred to another phone number that lead to an automated machine that could not help my situation. XXXX has not been any help. I took pictures of the chat. Let me know which email I can send it to. 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
Consumer complaint received 2021-01-27
Company: GreenSky, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was approved for a line of credit in the amount of {$20000.00} from XXXX at XXXX XXXX XXXX, XXXX, Georgia XXXX. The line of credit was to purchase custom window on XX/XX/2017 from XXXX XXXX at XXXX XXXX XXXX, XXXX, TN XXXX. There were issues with the original contact, I contacted XXXX XXXX, did another contract which changed the total price. I called Greensky to cancel my contact, I also called and physically went to XXXX XXXX to cancel my contract as well. The following week I received a bill. I have all documentation and correspondence with both companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions 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 dispute to all 3 credit bureaus ( Experian, XXXX  and XXXX  ) on XXXX XXXX 2020. As of today I have not received any response from Experian, XXXX or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.

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