BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-19
Company: EQUIFAX, INC.
State: NC
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 disputed inaccurate reporting from Equifax previously. A collection is reporting that I am positive is not mine. They claim to have investigated and said the information is accurate. I have a different account that has been paid in full over 45 days ago. This account has always been in good standing and just has not updated the {$0.00} balance through Equifax. I disputed the reporting balance of {$4300.00} and AGAIN was told this information was accurate. I can easily prove the balance is NOT accurate. My point is this ... ..Equifax did NOT investigate either one of these disputes. This is a violation of the FCRA. This illegal activity must be stopped. The impact their reporting has is huge and that responsibility must be not be taken lightly. No excuse for violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Received the government visa card has no chip on it so limited where it can be spent and if I want to deposit in my bank I have to withdrawl and get charged by my bank to do that. My husband called and requested a check, we waited several months and then called due to no check received just to have the person tell us that they have no record of my husband calling to request a check. This has been a nightmare all the government had to do is cut a check and all would be fine. Of course then the citizens of the USA couldn't get riped off on fees so the bank gets part of the government visa card, what a scam!

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 2020-07-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Store purchase of {$28.00} paid in full, but credit card company assessed total of {$63.00} for late fees and finance charges, their letter dated XX/XX/2020. My letter dated XX/XX/XXXX attached bank statement showing charge of {$28.00} paid, copy of check mailed and dated XX/XX/2020, all payments made and sent on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Re : Specialized Loan Servicing ( SLS ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SLS has lost, or deliberately refused to post a payment sent on XX/XX/2020. Without this payment posted, this account will push to 3 months late ( even with COVID-19 forbearance ) AND they threatened to push this account to foreclosure. Numerous messages, documentation, proof of payments and they refused to work with me. I asked to resolve this matter first before I send another payment to ensure that my payment would not be lost again, but they refused to acknowledge and want to proceed to foreclosure. 
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 2018-05-19
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: Public record information inaccurate

Complaint:
I refer to the attached XXXX  Credit report file number XXXX  dated XX/XX/XXXX specifically page 41, CHAPTER XXXX BANKRUPTCY DISMISSED as clouded. See Attachment 01.

As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX  Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX  Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.

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 2018-05-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My CareCredit Synchrony Bank account started adding a fee for Account Security without my permission. This fee is based on the account balance. I signed up to have the minimum payment due automatically paid thru my bank account. The minimum payment calculated by CareCredit does not cover this fee. Therefore, each month my balance increases, and this fee increases. I contacted CareCredit and they stated this fee started in XX/XX/XXXX and they would refund 3 month 's worth of these fees ; however, I am looking at statements back inXX/XX/XXXXthat show this fee. I don't currently know how far back these fees go since this account has been open at least four years. When I went to the CareCredit website I could only view transactions back toXX/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 monetary relief
Consumer complaint received 2019-03-08
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I received a PRE-SELECTED loan offer, after Goldman Sachs accesses my credit and needed to provide a firm offer of credit. They declined my application because I have over {$500000.00} in a CD with them, and apparently their system is unable to handle two accounts to the same email. 

Im totally fine if you cant make me a loan, because of your incompetent systems inability to allow two products. BUT, do not illegally access my credit and send me a false preselected offer if you are unable to fulfill it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: MO
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, XXXX, and Equifax agencies are not in compliance with the Fair Credit Reporting Act 15 U.S. Code 1681s2 What is 15 U.S.C. 1681 a 2 state regulations?

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX, Closed Account that has been furnishing false and misleading information to XXXX, XXXX, and Equifax is False and inaccurate have disputed this account 3 times with each of these reporting agencies I have sent letters to all 3 Agencies with documents in this matter and this account need to be removed from my consumer reports immediately for inaccuracy of reporting and also reporting pass the statue of limitations this is hurting my credit score a complaint with the Attorney General Office documents will be attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
i recently checked my credit report, which im trying to buy a house. And i noticed that i has several inquiries that i did not authorize. This is hurting my credit and stopping me from buying a house these are the inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX i also filed a compliant with the ftc

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 2018-05-19
Company: Experian Information Solutions 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:
Credit inquiries that I dont recognized tried to get proof from credit companies and still on my reports XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX 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 2017-09-19
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My original mortgage was with XXXX XXXX XXXX ( XXXX ) when it went bankrupt XXXX took over ( XXXX ). We made our payments to them faithfully. In XXXX we applied for a loan modification to lower our interest rate from 6.75 % and they set us up with XXXX Modifications.Loan. Our interest rate went to 6.625 %, with payments of {$2100.00}. beginning XXXX/XXXX/XXXX. We paid these monthly and it even shows on a copy of the Verification of Mortgage 0 late payments as of XXXX when XXXX XXXX XXXX XXXX XXXX took over collecting my payments. Again, I never missed a payment, nor did I make any late payments with XXXX. In XXXX XXXX I was informed that Ditech Financial LLC would be now collecting my mortgage. The first payment to them was for the XXXX payment. Again, I have not missed making a payment or paid late. In XXXX of XXXX I chose to refinance with another company and requested a V of M from Ditech and instead received a notice that my mortgage was 3 months delinquent and I had 30 days to pay up or my home would go into foreclosure. WOW!!!! We quickly got the money and paid it, figuring we could have the mortgage audited. I sent all the paper work and a letter requesting the audit XXXX XXXX XXXX. I received a letter confirming that they got it and were reviewing and I would hear back in 30 days. Guess what?? No resolution and no one can find the paperwork. Going forward, my new mortgage company requested a V of M on the XXXX XXXX form in XXXX XXXX and we finally received it the end of XXXX. The portion asking for " # of late payments in the last 12 months '' has a 6 in the space. I have not only my portions of ALL the Cashier 's checks, but also copies of ALL the CASHED checks to Ditech and XXXX. I feel that Ditech is holding us hostage as I am only getting the run around, no return calls, mostly condensation from the " Supervisors, STRESS and ANGER. I also find it very annoying when the person at Ditech frequently points out that " they could refinance my loan. '' REALLY!!! I really need help as this whole cluster mess is causing great stress not only on me but my family. I have been crying almost every night I get home and have to call Ditech and try to explain everything over and then to get transferred to " someone who can help '', only to have to explain AGAIN. The frustration is getting too great. PLEASE HELP!!!! You are my last hope.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
TRANSUNION hung up the phone while on a threeway with attorney on today XX/XX/23 @ XXXX XXXX XXXX  XXXX  identified in there system showing no pending disputes but on the other side Stating to CFPB and the ATORNEY General still working on issue A FRIVILOUS LYE

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 2023-05-16
Company: Payfare International Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I used my XXXX card to pay for a {$200.00} hotel room deposit, which was supposed to be refunded to my card after five to seven days. It's been ten days, and the money still has not been deposited back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There has been several errors on my credit file and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify the accuracy of accounts listed. I have complained about this issue before on previous accounts. Please remove all non-account holding inquiries over 30 days old.XXXX XXXX XXXX XXXX XXXX XXXX. Please add a Promotional Suppression to my credit file. There is a bankruptcy account that is not accurate on my file Please delete it is in error. This account is in error please delete 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 non-monetary relief
Consumer complaint received 2017-09-19
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
During the month of XX/XX/XXXX, I noticed that I was charged a late fee although I am making my monthly payments. I had to fight hard to get Synchrony Bank to remove a late fee of {$27.00}. I have continued making my payments, and today XX/XX/XXXX, I noticed that they have charged me late fees of {$37.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX, although I have been making my payments on time. My payment amount is {$35.00} per month, which is the payment agreed upon. I have tried to reason with these people but they do n't want to remove any late fees ; they just want to bleed the customer dry.

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 2022-08-09
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
n accordance with the Fair Credit Reporting and XXXX Account, has violated my rights. 

15 U.S.C 1681 Section 602 A. States i have a right to privacy 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Diversified Consultants, Inc.
State: GA
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:
In XX/XX/2018, I called to set up service with XXXX. When they did not show up for appointment, I called and cancelled their service and set up service with XXXX XXXX XXXX instead. ( XXXX also lied about the speed and price they could offer for internet ) I was told account was cancelled and I owed nothing because they never came out to the home. In XXXX, I received 2 bills stating I owed money to XXXX. I called on both of those bills and was told account was closed and I owed nothing and to ignore the bill. 

In XXXX I received another bill from XXXX for {$51.00}. I called again, spoke to XXXX in billing and was told they forgot to cancel account but they would take care of it and we owed nothing. I was given this case # XXXX. 

Since XXXX, I have NOT received a single bill from XXXX or from their collection agency. I thought everything was fine until I see on XXXX XXXX that XXXX has sent the account to collections and they say that we owe them {$51.00} again. This is ridiculous! 

We have contacted them 3 times and was told every time that they closed our account and nothing was owed to them. We NEVER received services from them! We cancelled the account before it ever started.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: EQUIFAX, INC.
State: IL
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:
On XX/XX/2019 a letter was sent to each credit bureau ( Equifax, XXXX and XXXX ) to validate an account on my report. That account was from XXXX for account # ending in XXXX. XXXX did not respond to bureaus providing requested validation. Instead they send a letter to me saying they can not give information to a 3rd party. This " 3rd party '' is the same 3rd party they continue to report to monthly saying I owe this debt but now they are saying they can't report to these companies to validate the debt. If they can not provide validation to the bureaus than I am requesting the account be deleted. It is the responsibility of each bureau to accurately report information according to FCRA. If this listings on my report can not be validated than I am requesting each bureau to delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/2018 I went into BBVA Compass Bank to inquire about a 2nd chance Checking account. I had just come from the XXXX SSA branch receiving a SSI payment in the form of a check. I handed the Sr. Sales person that check endorsed, though prior to her getting up to go to a teller, she did not reveal that there would be a 5 business day hold on any new account prior to depositing the opening deposit check. When she came back, she informed me of that policy, and I said that I needed access today to the funds, as ND she asked if I wanted to " retract '' the deposit, and I stated yes. She went back to the teller, came back with a piece of paper, asking how much money do I need. I can't really know for 5 business days, but stated {$300.00}. Not once did anybody notify me of that " hold '' being overridden. I was never heard I guess, for once a owner of the account makes a decision, who has the authority to " over-rule '' the account holders decision? I never asked after my statement " retract the deposit '' for cash or anything else. I, XXXX XXXX XXXX XXXX own the account, not BBVA COMPASS!! IT IS MY DRIVER 'S LICENSE, MY ADDRESS, MY PHONE NUMBER, MY SOCIAL SECURITY NUMBER, NOT ANYBODY ELSE 'S, WHICH MEANS I OWN THE ACCOUNT.. 

I EXPECT THE CFPB NOT ONLY TO INVESTIGATE THIS MATTER, BUT ALSO ALLOW THIS I TO COURT FOR LEGAL ACTION AGAINST BBVA COMPASS BANK! 
I EXPECT THE CFPB TO TAKE ACTION AGAINST BBVA COMPASS 'S BUSINESS LICENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: Experian Information Solutions Inc.
State: MA
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:
EXPERIAN, On XX/XX/XXXX I received a notice from Experian that my FICO had changed. I found this puzzling since the only negative items were the same from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My score was XXXX as reported by XXXX XXXX on XX/XX/XXXX. OnXX/XX/XXXX It was noted that my score had dropped to XXXX and dropped by 16 points by Experian. On XX/XX/XXXX it was noted that my score had dropped by 19 points and was XXXX by Experian. It may be noted that it is recommended that I purchase some of their services, fraud and credit reporting. I found this strange and believe that this is extortion to purchase their services. Let me be perfectly clear that nothing has changed to that would impact my score negatively. On XX/XX/XXXX I will face XXXX XXXX XXXX XXXX in court for submitting improper information on my credit report. This will be followed by 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