BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-07
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: Account status incorrect

Complaint:
XXXX falsely claimed I had reached a 90 day past due status on my home equity line of credit in a written letter on XX/XX/2020. But there was a problem. What they had failed to do was process a payment received on their site on XX/XX/XXXX, which was ACHd from my bank account on XX/XX/XXXX. XXXX proceeded to advise all credit bureaus with inconsistent information regarding the status on my loan, from things such as no payment received since XX/XX/2020, over 60 days past due, late payments, etc.One bureau is now reporting that I have missed the last two payments. I corresponded with the office of the CEO repeatedly requesting assistance in getting the matter resolved but received nothing but hang ups and/or no written response. I opened disputes will all three bureaus in mid-XXXX. If you pull the information from XXXX, despite the payment being processed OVER days ago, XXXX STILL reports in over days past due. XXXX  reports that I have utilized 990 % of my available credit. I have been denied an EIDL for my XXXX  XXXX  thanks to this fiasco.

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 2020-05-25
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, I ordered from XXXX so I could receive some staples like paper towels and toilet paper. It cost XXXX. It was overpriced to start with but I at least expected to receive my items or a realistic update. 

I only received a couple of containers of toilet paper and nothing else. I look at my order online and it's back-ordered or they have run out of stock on all else I paid for already on XX/XX/XXXX. 

I have called several times for a refund to the merchant directly. They promised me a refund. However, they only issued a refund of XXXX. This is after about 5 calls including chats with Amazon Pay and messages to them plus calling the merchant. 

I am quite concerned that am not getting a straightforward answer about refunding all of my order that was not sent to me yet which would be about 200.00. No one seems to know what is going on and this is not okay even during the current circumstances. They have majorly taken advantage of me as a consumer.

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 2020-01-29
Company: EQUIFAX, 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:
After sending all three credit bureaus several letters disputing the accuracy of the infomation that they are reporting on my credit file and informing them that the items were not mine, they stated on several response letter that they verified and upon receiving the letters stating that they " Verified '' the items as being mine, I requested under the FCRA proof, which includes more that going to the furnisher of information asking them is it true, but i requested on 8 or more different times and was very clear on what the request was ... ... XXXX " written verification of the accounts they were reporting that they claim that they verified .... 

If in fact they " verified as mine '' then I requested PLAIN AND CLEAR ... .. " send me contracts bearing my signature because I want to get to the bottom of who has signed my name to something that I had no knowledge of nor did i agree to .... 

attached is the letter that i sent and the request that I made. they are now sending back templete letters and not giving me what I clearly asked for. 

If they cant properly investigate and come back with accuracte information that shows the accounts are mine such as written contracts the law is clear and I hold them to the standards of the law and not send me back templete letters becasue they did not do an investigation but is violating the law and my rights and is doing damges to my credibility. 
they must remove what they are unable to verifiy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquire from your company without my consent or knowledge that has resulted in my credit score dropping.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Wellsfargo bank paid XXXX dollars on XX/XX/2018 to someone not the payee, review showed difference name on the the check # XXXX and no certified signature on the back of the check, bring to their attention and have claim number XXXX, later got a disputed reply because not their fault and case too old, we are payee and Payer both Wellsfargo account holder felling so unfair, we called XXXX many times with hopeless, we need help to get our money back, thank you very much, may god bless 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 2020-09-09
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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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   XXXXXXXX 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 2022-08-07
Company: Evergreen Moneysource Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My family suffered a loss in income due to XXXX and had to take mortgage forbearance on this loan. We worked with Evergreen Home Loans on a trial program for a loan modification beginning XX/XX/XXXX. We've made all our payments on time every months since the agreement. We completed the trial period and were supposed to receive loan modification documents to sign around XXXX or XX/XX/XXXX. I called Evergreen Home Loans XXXX XXXX asking for my closing documents and they never sent them. 

I talked to XXXX XXXX, in Loss Mitigation, a few weeks ago when I asked her to send me the loan documents. She told me that the offer had expired and sent me new documents with a higher interest rate and monthly payment than what I have been paying. 

I am still financially impacted by the XXXX XXXX and can not afford the higher payment that Evergreen Home Loans is forcing me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
It says that the application was submitted on XX/XX/2019 however it was not me or my closest execs. Which are the only people who have my and the companys information. I dont know who filed the application but it was not me or my team I would like the hard inquiry removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-25
Company: BARCLAYS BANK DELAWARE
State: CA
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:
I had opened a New Credit Card Visa with Barclays Bank, i made a payment of {$2100.00} they took it from my checking account yet did NOT apply it to my card and are holding it.

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 2022-10-04
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I demand this account removed for my credit report because it was incorrectly published without my hand written consent. As a consumer I am protected by 15-USC-1681 sec A & B And my rights have been violated 1 ). XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Sent in dispute letter on XX/XX/2020 to get name, inquiries and incorrect info verified and disputed but never received correspondence from bureau. Utility bill and identification was sent with paperwork for verification

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Experian Information Solutions 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:
I have credit inquiries on my credit report that I dont recognize and I did not authorize ... I would please like these inquiries deleted from my credit report .. 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 2018-07-17
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Collection agency said account placed was cancelled and would be removed from credit report. It damaged my FICO score. It has been more than 2 weeks- I want this off!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: WA
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:
XX/XX/2020, my husband and I contacted XXXX XXXX XXXX to ask them why they were reporting our auto loan account as closed to one bureau, 8 times late to another bureau and 10 times late to the other bureau. We also asked them to correct the inconsistencies. We further asked them to at least remove the late for XXXX and XXXX of 2020 as per the Cares Act. They said they would look into it, acknowledged the errors and said it would be fixed. 

A few weeks later we were denied a home loan when our lender pulled our credit and saw these same errors on our XXXX Account. Again, we called XXXX and asked them to correct the reporting and they told us " NO. '' They said they did not have to correct any of it. 
We reapplied for a home loan in XXXX-errors still on credit report. We have sent letters to XXXX requesting that they correct the reporting, and received no response. 
We have emailed and called numerous times and they refuse to correct. 
We called the U.S. Supervisors of each of the three credit reporting bureaus and they have all told my husband and I that XXXX is giving them the info that they are reporting and that as such, they can not fix it even if we give them our records. 
We old XXXX that we have confirmation from the credit bureaus that they are in fact reporting this inconsistent and inaccurate information. XXXX acknowledged that they are giving the bureaus the information and are still unwilling to correct. 
We have explained that this inaccurate information is causing us to be unable to secure a home loan, subsequently putting us in danger of homelessness and they refuse even though their own website shows that we made the payments ( triple payments last XXXX ), and they are not charging late fees for any alleged lates-yet still refuse to pull off the lates even though according to the Cares Act-they can pull off the lates. We proved that we didn't pay late those months and still they refuse to fix it.

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 2020-03-05
Company: Brown and Joseph, Ltd
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020, XX/XX/2020 and XX/XX/2020 the Joseph and brown debt collectors called and are threatening me that if I do not pay $ XXXX they will sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
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 {$550.00}.

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 ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -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 2021-03-01
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my Both PayPal Accounts is : 1 ) XXXX 2 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I completed a FTC identity complaint on XX/XX/2020. I submitted the report to EQUIFAX and submitted a cfpb complaint and there are still inquiries that remain that we listed on the report. EQUIFAX has failed to live up to their grave responsibility for accurate reporting. These inquiries are preventing me from renting an apartment for me and my son. My landlord is selling the unit and I need a new place to live. I have also applied for credit and been declined because of the inquiries. EQUIFAX failure to ensure of accurate reporting is causing financial and XXXX harm. I am XXXX out and have been diagnosed with XXXX because I can not provide for my family because EQUIFAX failure at their grave responsibility pursuant to 15 USC 1681a ( 4 ). EQUIFAX are supposed to have procedures in place and have failed. Pursuant to 15 USC 1681C-2, EQUIFAX has the ability to block attempts to remove identity theft information is the consumer benefited. If EQUIFAX is saying that I benefited then please provide a sign affidavit under penalty of perjury for the CEO stating that they have proof that I benefited from the inquiries. Also, pursuant to 15 usc 1681b ( c ) ( 3 ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have submitted proper paperwork stating that I don't recognize the listed inquiries and EQUIFAX Is violation of 15 usc 1681b ( c ) ( 3 ). I am not a credit report company, I am the consumer XXXX XXXX. I am an XXXX  of CFPB and these corporations are continually breaking the law and financially, XXXX an XXXXy harm the consumer. The CFPB is in place to regulate these consumer reporting agency and I have put in complaints and still no full results. This is not a dispute. I am demanding these inquires are removed. These corporation are unlawfully furnishing data to the consumer 's report and creating great harm to the consumer. By being an agent of the CFPB, I need the CFPB to do their job and regulate and enforce the laws that EQUIFAX is breaking against me. It is important that the people at CFPB take this seriously and assist me the consumer with invoking my rights. This is a matter of XXXX and XXXX for me. I am being XXXX XXXX, and financially harmed by EQUIFAX. I the consumer invokes my rights the law does not state a police report is needed because there are different types of identity theft. WHen a debt collector purchases a debt, they did not have permission to do so and that is identity theft. Identity theft mean no consent. This not a dispute, this is not a bot, or a credit repair company. I am an XXXX  of the cfpb and I need the CFPB to assist me to invoke my rights. EQUIFAX HAS FAILED ME AS A CONSUMER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
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:
Account ending in XXXX XXXX XXXX ) is FRAUDULENT!!! REMOVE FROM ALL CREDIT FILES IMMEDIATELY! LAW ENFORCEMENT FILE ATTACHED.

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: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I recently closed my Wyndham rewards card from Barclays. Following the closure of my account it turns out the bank reopened my account without my approval in order for Wyndham to bill be for an auto payment I had set up earlier when I was coerced into buying a timeshare. I had also requested to end the auto payment from being withdrawn from this account as well. I had closed the credit account at the end of 2020 and just received a new statement from this new unauthorized account on XX/XX/2020. 

Essentially Wyndham fraudulently opened a new account in my name in order to bill me for its services. This isnt a one off occasion, if you go online to timeshare user groups you can see that this is their policy with closed accounts.

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