BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$12000.00}, {$4500.00}, {$4700.00}, {$1900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not 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 2020-06-03
Company: Experian Information Solutions Inc.
State: AR
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 was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name DEPTEDXXXXXXXXXXXX {$3500.00} DEPTEDXXXX {$2000.00} DEPTEDXXXX {$1000.00} XXXX {$640.00} XXXX {$3500.00} XXXX {$160.00} XXXX {$910.00}

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 2017-09-20
Company: BlueChip Financial
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX XXXX keeps calling me on behalf of Spot Loan - www.spotloan.com. They call me constantly, threatening to sue and place a judgement against me. I have voice mails and they keep saying they are going to send legal documentation through a carrier and place a judgement against me. The phone number is XXXX and he claims his name is XXXX XXXX.

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 2018-10-10
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
on XX/XX/2014 you went online applied for loan with XXXX XXXX was approved for the loan amount of {$5000.00} XXXX XXXX dollars, was not payments would be taken each time was paid this created a big problem because it made it difficult other bills scheduled for the month.Tried to resolve this initial problem by requesting that payments to be taken only once monthly this never got resolved.XXXX XXXX never changed there position based upon my call for change in the payment structure.we restricted payment on the account by sending moneys via certified certified however moneys were never applied for some reason.funds never transferred out of my account showing payment made, again problem never resolved.When i decided to put a halt to this whole matter by by going to a family member to borrow the money to just pay this loan back minus the payments made totaling {$3500.00} already paid i was told that none of this money paid was applied to principal and my total amount due was over 10,000 I was floored and felt trapped

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had every synchrony credit card closed without any type of notification. Every card I have which is 11 has 100 % on time payment history and the cards were not even maxed out. Very low balances as some were promotional balances. My credit score rating is good across the board. I received a letter stating high risk. Doesn't make sense considering I just received my new Sam 's credit card in the mail last week and THEN they decided to cancel every card. Very disappointing considering I am a high volume user. Never missed a payment and 100 % on time payment history. After researching I'm seeing this across the board.

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 2020-09-05
Company: Garrison Investment Group
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
When we bought a new roof, we financed it through Foundation Finance rather than taking it out of savings, because the terms of the loan sounded so easy to handle. We were promised that any amount we would pay, additional to our monthly minimum payment, would automatically be directed to the principle of the loan. Once our roofing project was completed, Foundation Finance reached out to me to  confirm that the job was completed and that I understood the loan agreement. I specifically asked about extra amounts on top of our monthly payment going towards the principle amount, and I was reassured that this was the case. 

After a few months of making large payments, our monthly minimum started dropping, and the due date of our next payment was extended by about 6 months. 
I called in to ask if there was a way to direct my extra payments to the principle of the loan rather than applying it to the upcoming payments. They said that I would have to be up to date on the interest. There is already interest figured into our monthly payment, but on top of that, we are paying about {$4.00} per day in additional interest. When we made larger payments, we surpassed the accrued amount, but that still applied towards future payments, rather than the principle of the loan. 

We feel like we were misguided by the roofing company, but more importantly by the financing company who fully backed up the roofing company 's claims about the loan. We have decided to just pay the remaining balance off to avoid this, but we wish we would've known how this loan actually worked, because we would've selected a different loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX XXXX cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but XXXX still wrongfully reported that the account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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: Their investigation did not fix an error on your report

Complaint:
The information on my report is not correct and i would like to have it removed. I have attached the following documents to assist them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: CITIBANK, N.A.
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am extremely upset as a 21-year customer of Citi 's credit card services that they have recently decided to become politically active and begin discriminate against XXXX manufacturers engaged in legal businesses, bowing to the anti-American policies of so-called progressives. This discrimination against companies that refuse to sell arbitrary classes of firearms is illegal and any and all federal contracts must be pulled from private enterprises that engage in such age discrimination.

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 2018-04-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I sent annual renewal documents to Navient for my Income Based Repayment Plan, and they sent me an acknowledgement upon receiving them. Then they failed to follow up with this,  completely ignoring the whole process. It is as though they don't have any obligation to their clients at all. It's been six months since I sent the renewal. 

My situation is pretty good : living in an expensive area so I can have a great job here, but unfortunately most of my income goes to rent. I still have the same position at the same employer so the IBR is the same as last year. 

As bad as this is, they did the same thing last year, I had to file another complaint with CFPB to get them to cooperate ( case # XXXX ). They finally made me whole and now they do it again. I had a similar problem the year before. They approved my IBR and completely ignored it that time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened up an account with XXXX XXXX. Made a large purchase. XXXX XXXX wrote my address wrong omitting the XXXX. I did not receive a bill for 2 months. When I did I paid it in full except the two late fees that they were to reverse. They never did and they never updated my address until 5 months later. By then my debt had increased due to late fees. I explained to XXXX XXXX  they said I owed them and sent me to XXXX XXXX. I explained to them what happened and at one point by looking at my statements they confirmed my incorrect address and that I just left a balance of two late fees but refuse to remove this from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I closed on my mortgage refinance with XXXX XXXX XXXX ( who is transferring the loan to XXXX XXXX XXXX for servicing ). On the closing documents, it stated I was to receive via wire transfer the amount of {$480.00}. 

The title company was First American Title and the escrow officer who handled the transaction is XXXX XXXX. 

A few days later on XX/XX/XXXX, I received an amount of {$440.00} via domestic wire, which right away I noticed the amount was off. I checked with my bank to see if they could determine why, all they could tell me is they do not charge for incoming wires - domestic or international. The document in which I provided by First American Title for the checking account information to facilitate the wire transfer does not disclose any fees for First American Title to send the money to me. 

The amount missing is also an odd amount of {$34.00}. 

I've reached out to both the lender, First American Title, and XXXX XXXX at First American Title multiple times ( by email and phone ) to get an explanation as to why this differs from what is on the closing documents - I am concerned that part of the money due to me was not sent to me. The one and only person to call me back at First American Title was a supervisor who all he could tell me was that he was in the wrong department and I need to call a different department as he only handles transactions in California. I then asked him for XXXX 's contact information as the contact information listed on the closing documents was getting me no where. He provided her email address and phone number to me. 

To this day, I've yet to hear back from anyone at First American Title who can tell me where my money went, that was not sent to me. 

Call Log XXXX ( number listed on Closing Documents ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX ( found this number online ) Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message Outbound - XX/XX/XXXX XXXX. Left message XXXX Inbound - XX/XX/XXXX XXXX ( supervisor getting back to me, left message ) Outbound XXXX XX/XX/XXXX XXXX. Left message Inbound - XX/XX/XXXX XXXX ( was finally able to connect with supervisor, gave me XXXX XXXX email address and phone number. Basically not his department ) Email Log XXXX XXXX - XX/XX/XXXX XXXX Outbound - XX/XX/XXXX XXXX Any assistance in getting this resolved would be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$520.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX IXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

3. XXXX XXXX XXXX XXXX with  ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I received a letter from XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX that was a notice of data breach. On date XX/XX/XXXX. Then on XX/XX/XXXX I received a letter from Commonwealth financial systems with a bill for XXXX for a so said debt from XX/XX/XXXX. I am currently on a payment program with XXXX installment dept. and XXXX emergency group to pay all things off from XX/XX/XXXX.The timing seams bad as well when I called Commonwealth at first they told me it was hospital charges and told them about my payment plans they changed to it was a DR bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-03
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
City Bank cancelled by online access to pay my bill. I paid the bill {$120.00} by mail but Citibank still wrongfully reported that the account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 ask many times to have this account remove because its not my account my next next is to file a lawsuit

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 2018-04-10
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
During the time of my marriage, I decided to get a TJ Maxx credit card which is through synchrony bank. Unfortunately, my husband left me and took the clothes that I purchased. I am now going through a lawsuit with synchrony bank. I have never hard of retail stores suing and winning lawsuits. I saw that synchrony bank with to another law firm in order to get me to pay. I fell on hard times really bad, got evicted from my apartment, hourly job that doesn't pay much, and they are a very hard to reach company to work out options. I am never getting another retail card again and of course, I haven't shopped in TJ Maxx in ages every since this happened.

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 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America reported on XX/XX/14 suspected fraud activity but I didn't do anything except take a check from someone but me and the person didn't know the account was closed till the bank told me and I tried to tell the bank I didn't know the person account was closed till 5-6 days later compared to when she wrote the check I did not know if the account was closed or open.

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 2018-07-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to apply for a loan with XXXX XXXX. Equifax has a lock on my credit file, and I have contacted them twice to get the file unlocked. Note that it is almost impossible to reach A LIVE AGENT AT equifax. Two week ago I was told that to unlock my account they would be sending me a PIN code. It never arrived, and now my XXXX XXXX loan has been rejected due to their inability to see my file at Equifax. 

In XX/XX/2017 the same thing occurred with another bank trying to access my Equifax file. The two other Credit Reporting agencies have NOT been a problem at all. 

Equifax needs to unlock my report, and they refuse to do so, causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
i signed up for the paypal mastercard back in XXXX XXXX the new card member offer was to receive 4 % cashback up to {$200.00} for all purchases made. then the card earns 2 % cashback on all other purchases. I never received 4 % cashback ever. I only received 2 % cashback the entire time. 
i have attached the confirmation of the offer. i reached out to paypal multiple times and nothing has been resolved. they give me the run around.

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 2021-04-03
Company: EQUIFAX, 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:
My grievance is DIRECTLY with XXXX XXXX reporting false information to equifax. 

I need someone to call equifax ASAP and call me at XXXX because XXXX XXXX  loan is FALSELY reporting that XXXX XXXX closed my account!!!! When in fact it is current and ACTIVE. 

Need someone to report to equifax credit bureau immediately that my account is current and not repossessed AND NOT CLOSED DOWN. Please call them and dispute. Ive attached PROOF that XXXX XXXX is falsely reporting this information to the credit bureaus. 


Info : Confirmation # is : XXXX for Equifax to fix dispute The Follow up equifax direct # to call for dispute : XXXX XXXX confirmation dispute # : XXXX

Company response to consumer: Closed with explanation