BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-10
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
DEAR SYNCB/TJX CO XXXX XXXX Date Opened XX/XX/XXXX ) ; Attn XXXX XXXX XXXX XXXX XXXX negatively marked me late on my credit report on XXXX XXXX XX/XX/XXXX for up to 90 days. I think you got confused with the different account i had with you company. I have never been late with TJX. I reviewed my credit report and noticed that you continue to report inaccurate information on my credit report and shouldn't be reported as such. Ive communicated these scenarios several times with your banking institution representatives and over the phone on several occasions and the answer was that late payments would never be removed from my account, I tried to explain my situation to continue being a LOYAL client and constantly paying but the answer was always negative in trying to help me. I would have my payments made on time if this had never happened, now reflecting an unfair credit report from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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've been in contact with transunion for over 6 months. This company continues to report information from a XXXX XXXX on my report. Specifically a item from green dot bank. I've reached out to XXXX XXXX XXXX and they have agreed my information does not match this file! 

They refuse to remove this item from my report as both XXXX  and XXXX  have already done. 
I've made it clear to transunion that section 609 of the FCRA makes it clear this information needs to be verified. I've asked for many documents that show this is my card or account, transunion has not provided it. 
I've exhausted all options to get this removed. 

This is not my account. The social, the name, etc do not match.

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 2023-07-13
Company: EQUIFAX, INC.
State: NJ
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:
This is not mine XXXX ACCOUNT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS. 
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME. 

I AM NOT A MANGER THAT IS BEING FASLY REPORTED.

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 2023-06-16
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2019-05-01
Company: SYNCHRONY FINANCIAL
State: NJ
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 made a large furniture purchase in the amount of {$3200.00}, with a delivery window of " 4-6 weeks. '' I decided to open an account with Synchrony Financial to make this purchase. I put the total amount due to the furniture store on the credit card. I began making payments to Synchrony Financial in the amount of {$200.00} beginning on XX/XX/XXXX. I also made a {$200.00} payment on XX/XX/XXXX. I made these payments ( total of {$400.00} ) in good faith because the furniture had still not been delivered to my residence. I spoke with the sales lady at the furniture store who told me that I would have to begin payments even though I did not receive the furniture. In this process of of making payments I stayed in contact with the sales lady who repeatedly gave me excuses as to why the furniture had not been delivered. I finally reached out to XXXX on XX/XX/XXXX, who initially stated that I " should not have begun making payments '' until my furniture was " delivered. '' They stated that they would place my account on hold and file a " dispute '' with the store. XXXX policy states that they are to determine resolution of a dispute within 60 calendar days. We are beyond the 60 days and they have refused to provide me with any further information other than my account is still " pending '' review and the person responsible for my dispute in this department is named " XXXX. '' I have asked for the dispute team to make contact with me, provide updates and I have fallen on deaf ears. I continue to get the go around with multiple " account managers. '' The account manager I spoke with today ( XX/XX/XXXX ) named XXXX ( ID XXXX ) even went as far as telling me to stop calling that my " calling daily is not productive '' because there is " nothing '' they can do other than " email the dispute department. '' All I am asking is for my money back since they are beyond the 60 day window of their own policy. I also asked him how this incident does not constitute fraud and he was not able to answer me. XXXX has my money held hostage and by the way this furniture store is NOW GOING OUT OF BUSINESS! 

Through this entire process I've come to the realization that this furniture store did not follow the laws and regulations outlined by the state of New Jersey 's Division of Consumer Affairs. Not once did the store provide me with an opportunity to cancel my order ( state law ) once they realized there was a delay, they also did NOT provide me with a specific delivery date. The law states that upon purchase the receipt must have a printed date for delivery. They only offered a delivery window not a specified date.

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 2019-09-22
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX file this claims against Colorado civil right for breach of contract and fraud My house damage by water, the damage has been fix without a lien waiver form, without a third party authorization and the damage is less than {$10000.00} paid by me. And on about XXXX XX/XX/2019 I send an endorsement check that was issue by my insurance with my name and Colorado housing authority in it to chfa draft department, according to the policy I should receive the check within 5 business days because is not exceed {$10000.00} but the company taking action against me refussing to send the check back that cause my default account to be current, chfa in the process to evicted me and refuse to send the check back to me the amount is XXXX. i contacted them previous time I was told that due to national disaster that cause my check to be held but they send a female agent on XX/XX/2019 to take pictures of my premise, I ask her why she took a picture of my house she replied that chfa is going to sell my house I was embarrassing because my neighbors was out side.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I am writing to you today in search of some assistance. On XXXX/XXXX/XXXX I listed my property for sale. It has been listed as a short sale based on the fact that I had fallen behind on my monthly obligations. I noticed that a house very similar to mine was recently sold via short sale for {$180000.00} and it was on the same street as my property. I received an offer after a week of marketing the property for {$180000.00} that my realtor then presented to my lender. Based on current sales on the street this was a very strong offer. We asked the lender to proceed with the review based on this information and they advised that since the sale date was XXXX/XXXX/XXXX they did not have ample time to complete a full review. The offer package was submitted to SPS on XXXX/XXXX/XXXX ( 32 days before the scheduled foreclosure sale ). The problem with this is that I have tried to work with them in the past and they have never attempted to help me in any way. Now that I am in this predicament they want to hurt my family even more by deciding to move forward with the foreclosure rather than giving us 1 last attempt in getting a fair resolution for all parties. I ask that you please help us and allow the lender an additional 45-60 days to complete a short sale review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: MA
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:
So this what happened, I was told that if I was to pay the balance in the account it will be deleted from my credit report but it didn't happen. I attached files to prove my identity and what has transpired between me and the company.

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 2023-06-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; 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 non-monetary relief
Consumer complaint received 2021-09-14
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Have not received a single accurate statement from Homepoint Financial, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 

XXXX XXXX HPFC acquired my account. On XXXX first a payment of {$2500.00} was made to XXXX XXXX  XXXX, on the XXXX of the same month another payment of XXXX was made XXXX XXXX. A conversation with a representative of XXXX XXXX confirmed that all payments made in XXXX would be applied to principal. A final {$1000.00} payment was made, this time directed to HPFC, so that I could trace how payments would be handled. 

Thus begins the morass, and my deep disappointment in their organization. 

I sent this request to them last Tuesday : -- -- With this missive I want to establish without question that the initial balance on XXXX first is {$260000.00} and not {$270000.00} as listed on the first statement on record. Therefore using a periodic rate of XXXX, the accrued interest is {$460.00}. 

I would appreciate a statement of agreement on this point. If that is not possible I would like a detailed explanation. 

I look forward to your reply, and will forward other points of contention at that time. I expect an answer within the week. 
-- -- They do not honor payments intended for principal. The last statement available on line lists {$1800.00} in interest. They have only had the loan for three months. A quick estimate, multiplying the initial interest by three is {$1400.00}! 

I have tried on multiple occasions to acquire satisfaction over the phone. They assure corrections will be made, but are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: WELLS FARGO & COMPANY
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2023-02-13
Company: Southwest Credit Systems, L.P.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection Agency : XXXX XXXX Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : SOUTHWEST CREDIT SYSTEMS , L.P . 
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions Inc.
State: NJ
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

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 2020-11-30
Company: William D. Meeker Enterprises, 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:
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, CIC CREDIT add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: FIRST REPUBLIC BANK
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Loan officer over the phone stated that I did meet their standards to qualify for loan through their credit committee. That I needed to have money in order to borrower money was her words. Credit is over 790, on the job for 17 years no missed payments or issues with my creditors. Words used in describing her reason for verbally denying the application prior to it being submitted. She stated that I did not meet the standards for them to do my loan. I have more money in retirement account and savings than what I was applying for. This type of impact should not be allowed! Is this because I am an XXXX American male! She never asked me about my other savings accounts or retirement accounts. She just kept stating I did not meet their standards. What standards are you referring to that I am not wealthy enough to obtain a loan with your company? Openly overt thinking and impact on my integrity as a person was uncalled for. How is this possible?

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 2021-09-25
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In 2017, I was a victim of the XXXX data breach and my personal information was stolen. The thieves used my information to open credit cards, checking accounts, auto loans, personal loans, even get a job with my information which left me completely distraught and my credit score in complete disrepair. I contacted Experian several times to remove these fraudulent accounts that were reported on my credit bureau file and they neglected me to no avail. Experian stated in their last response to me, contact the creditor 's directly, which I had already did prior to reaching out the Experian and was awaiting a response from the creditor. This specific complaint is about a XXXX XXXX XXXX credit card account that shows a charged-off status with a recent {$8600.00} written-off balance that was fraudulently opened. Please see the attached letter from XXXX XXXX XXXX where they confirm that the account was opened fraudulently, I highlighted the most important sections for easier understanding.

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 2021-03-26
Company: JPMORGAN CHASE & CO.
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:
I noticed reporting chase in my credit report. 
I disputed with them, and their collections companies they hired all collection companies and Chase failed to provide documentation verifying the debt. 
this. problem has been happening for 1 year. they have failed to provide documentation neither delete the accounts. 

By law statements of a bill or a print out of a bill does not constitute verification of the debt. chase has failed FCRA & FDCPA law. Also failed to mark the account disputed within not within 30 but never. 
Please help me clear this matter with them before filing locally to court.

Company response to consumer: Closed with explanation