BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XXXX XXXX, 2017, I went to JCPenney to buy a jacket. 

At the cashier counter, the JCPenney cashier asked me if I need a JCPenney card. 

I asked, is it a " credit card ''? to which he said, " No it 's not a credit card ''. and that 's why I signed up for the card. 

He lied to me so that I can sign up for the JCPenney credit card. 

I never wanted any kind of credit/debit card from JCPenney. 

I received the real credit card from JCPenney without my consent. 

It will hurt my credit score and it will stay on my credit history for a decade for no reason. 

Can you please help me and restore the credit history to where it was initially, delete the entire credit card from my credit history and cancel the JCPenney credit card?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My mother gained acess to my XXXX XXXX with the prior companies I worked for I cant find it. XXXX XXXX, XXXX , XXXX XXXX and 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 2019-06-11
Company: SYNCHRONY FINANCIAL
State: MS
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 checked my credit report using XXXX XXXX and I received an email from XXXX XXXX stating that Syncb/XXXX ( National credit card/Airlines was added to my report. The report says Inquiry from XX/XX/2019. I have never heard of or use whatever this maybe. I dont know where it came from. It was a hard inquiry on my report and I need it resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Experian Information Solutions 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 submitted a dispute with Experian letting them know that the collection on my is not mine. I have never done business with this company. Experian closed the dispute stating that the information would remain on my correct report. I need to know who or where a loan was opened up in my name but Experian will not provide the information they received from the company. Each time I reach out to the check cashing company I do not receive an answer.

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 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 


XXXX  XXXX XX/XX/2016

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 2018-09-21
Company: TRANSWORLD SYSTEMS INC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I've submitted several disputes on my XXXX Credit Report to get this resolved, and the only response I keep receiving is that my debt has been verified as mine. I am not disputing the fact that the debt is not mine, and Transworld Systems and XXXX   are not addressing the issue. I am disputing the amounts owed and wrongfully reported on my credit report because XXXX XXXX XXXX never billed my insurance company for my services, as you can see attached in my supporting documentation. I am disputing the amounts owed on my collections report by Transworld Systems Inc in the amounts of {$1700.00}, {$240.00}, {$100.00}, {$88.00}, {$79.00}, and {$66.00}. 

I have attached my log of correspondence with XXXX XXXX XXXX XXXX to make my medical claims to ensure that my insurance would be billed for these services, and also, a photo of my account with XXXX XXXX XXXX which shows that my insurance was never billed for my services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of a wrongful Foreclosure by Wells Fargo. In XXXX two loans were made in two mortgages ( deeds of trust ) : XXXX XXXX ( now is Wells Fargo for {$140000.00} at 5.25 % fixed interest rate ) AND XXXX XXXX XXXX  then sold to XXXX XXXX XXXXXXXX/NOW Who??? ( for {$44000.00} with fixed interest rate at14.25 % ) for a grand Total of {$180000.00} in mortgages that were approved for a home that was appraised at {$100000.00}. So the Loan was Under Water. My father was the Sole/Primary Borrower. At that time I was advised by the XXXX XXXX Loan Officer and by my father as his Power of Attorney ( POA ) to sign underneath my fathers signature so that He could be approved for the Loan. It was agreed that he ( my father ) was Solely Responsible for paying off the Loan and IF he died while the loan was in process the Mortgage Loan Insurance and/or his Federal Insurance Death Benefit was to pay off the Loans. If that failed OR there was NO Insurance the Loan Debt was to be Discharged. When my father died XXXX/Wells Fargo took it upon themselves and switched the names and put me as a Co-Primary Borrower on their letters and correspondence of and about this Loan so when he died they can THEN claim me responsible for paying the Loan Debt Instead of Discharging the Debt off ( Which they can Legally do! ) The switching of positions of the names on letters of correspondence and other letters dealing with the Loan Account and using that as their avenue to seize the Deed of Trust and therefore place the home under Foreclosure and Evicting me and my XXXX sister from the home on XX/XX/XXXX XXXXTheir action also has resulted in negatively effecting my Credit Score and Report by giving me a Very Low Rating. Two ( 2 ) Very Important Questions are answered right here : 1 ) Did the lender change/remove/replace the Substitute Trustee without your consent or permission? Answer : YES, the First Mortgagor XXXX ( Now Wells Fargo ) did. 
2 ) Has the lender provided an actual Accounting of the debt proving that the company will sustain an ACTUAL LOSS IF the Debt Loan goes UNPAID? 
Answer : NO, Wells Fargo REFUSED to provide a validation. They claim it is privileged information. 
Since I was just my fathers POA I had NO say in the matter either way so Since he approved I had to approve as well. The problem here is when he died Instead of Discharging the Debt Wells Fargo made me responsible for the Loan saying that I was Co-Borrower of the Loan which is NOT TRUE!!!

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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  # XXXX is reporting an invalid late on my account. I paid this account in full and was never informed via anything that there was a residual balance of {$4.00}. This caused me to get a late on my account when I have never been late before and had paid this off entirely. I should not have this late, I was not informed of a remaining balance, I did not receive any notice that I was going to get a late. This late is invalid and needs to be removed.

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 2020-05-05
Company: EQUIFAX, 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 in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$380.00} XXXX  XXXX {$640.00} XXXX  XXXX {$750.00} XXXX XXXX XXXX   XXXX {$260.00} XXXX XXXX {$190.00} US DEPT ED XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: WELLS FARGO & COMPANY
State: NM
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:
We had a loan for a used XXXX XXXX XXXX with Wells Fargo Dealer Services. On XX/XX/XXXX WFDS wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with Wells Fargo regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at Wells Fargo Dealer Services, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and Wells Fargo, have proved futile. What Wells Fargo has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XX/XX/XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.

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 2023-02-16
Company: EQUIFAX, INC.
State: MD
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 reported me as late for 120 days while they were in the process of completing a loan modification. I have tried to dispute this with all the credit reporting agencies and it continues to remain. I feel that the investigation was not thorough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: American First Finance, Inc.
State: MI
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:
There are 4 inquiries on my account by XXXX/XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I have called XXXX to dispute the inquiry and request a letter of deletion under the direction of XXXX, XXXX stated that they could not verify or investigate, nor could they give a letter of deletion. 

XXXX XXXX (? ) also pulled my credit without my permission on XXXX XXXX. I have no idea who this creditor is. 

There is also a credit inquiry from XXXX XXXX XXXX XX/XX/XXXX. I did not authorize this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CITIBANK, N.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an alert regarding a fraudulent account with Citibank, XX/XX/2020. I called them to let them know this was not my account. I followed up with a full fraud dispute to the creditor, including police report, id theft affidavit, letter outlining the fraudulent acct etc which they received around XX/XX/2020.I received confirmation letter. They advised they were investigating. I am not receiving collection calls regarding this debt although they should not have sold my debt. I called the creditor and they are not assisting me, but telling me the account is closed and they are still trying to collect. They have failed to follow FDCPA and FRCA regulations.

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 2019-05-21
Company: Perfection Collection
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the spring of 2018, I began receiving numerous harassing phone calls from Perfection Collection Services in regards to a debt I allegedly owed. The calls always had someone saying they were on the way to my house to deliver important documents to me or my attorney. They even contacted my elderly mother in this same way. No one ever showed up to deliver any such documents, so this was clearly a tactic to intimidate me. When I finally talked to someone from Perfection Collection Services in regards to these calls, I asked for an accounting of the amount they claimed I owed. The woman on the phone very rudely told me that she was not a " customer service department '' and could not give me that information. I asked again saying I needed to verify that the amount was correct, and she refused and said " we will see you in court! '' and hung up on me. The harassing calls continued. On XX/XX/2018, I sent a validation request letter ( copy attached ) to Perfection Collection pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ) requesting information that could help me understand the amount they claimed I owed. All I received from them was a copy of the first page of my contract with their customer, XXXX. I received none of the other information I requested and am legally entitled to under the FDCPA, especially a complete accounting of the debt. To this day, I have not received the requested information. As a result, I now have TWO invalidated collection amounts of over {$1600.00} affecting my credit report in violation of the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX I call USAA Federal Savings Bank which I have been a member for 6 yrs. to do a stop payment on my account for XXXX XXXX for {$370.00}. I was with them for three months and paid them monthly by check, my last payment was {$110.00} on XX/XX/XXXX for the month of XX/XX/XXXX by check, I call XXXX XXXX and told them I was cancelled my service and they told me I still owe them {$370.00} for service not rendered and they said they was going to go in my bank account and get the {$370.00}, that when I call USAA and told them my situation, and USAA told me to do a stop payment on XXXX XXXX for the {$370.00} on XX/XX/XXXX and not to worried, so on XX/XX/XXXX USAA let XXXX XXXX go in to account and take the {$370.00} out, so I call USAA about this dispute and they return my money on XX/XX/XXXX. Now on XX/XX/XXXX USAA let them do again take my {$370.00} so call USAA and they said I lost my dispute. My thing is this if I owe XXXX money that on me and XXXX my bank USAA did not have the right to let XXXX go in my account after I did a stop payment with them in a timely fashion, I want my {$370.00} back in my account, my problem is with USAA for letting this happen to me, they can`t tell me who to pay and who not to pay that my right, I did what they USAA told me to do a stop payment. I`m a XXXX Veteran with XXXX and everybody try to may a fool out of us and our money everyday. I pay XXXX what I owe them, can you CFPB help me in my situation. Thank you for let me tell my side of this situation. Have a great day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Alorica Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The account in question was for a personal loan that was held by XXXX XXXX XXXX. While I was deployed on XXXX XXXX XXXX sold the account to SST in XXXX of 2019. I was deployed from XXXX of 2019 to XXXX of 2019. For the first 5 months that SST held my account they made zero contact attempts. They marked my payments as late without even confirming any details with me. I made attempts to contact XXXX when I had the time during that deployment but XXXX was not able to assist me as the account was not theirs anymore. I made several attempts to call SST but I was never able to reach them. I finally got ahold of someone from SST upon returning stateside. They had charged me the late fees and marked payments late for XXXX XXXX. I have provided both XXXX and SST copies of my statement of service verifying my service and my DD-214 that verifies me even further with no resolution. Though I do not have a copy of my deployment orders for that specific deployment in 2019, I did offer to reach out the command at my old unit to attempt to get those orders. However, SST told me that my military service meant nothing and that those orders will not be sufficient in proving that it was their fault I could not make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Payments have been paid as agreed from the beginning with XXXX XXXX hospital since 2016. Yet they posted account to collections agency XXXX XXXX on my credit report. I contacted XXXX XXXX in person and on phone they admitted there was a mistake on their accounting system because they had multiple accounts set up and when Payments were made they were not applied to each account collectively. They stated they would remove the collection from my reports. At this time they have not honored their statement to remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11
Company: Star Loans of Texas, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Star loans is harassing me and my husband about a payment, we have told them we do not have it but will try to pay what we can, they are refusing to take a payment unless it's the amount {$260.00}. we signed collateral to them an XXXX, we asked if they would take that and they refused saying " we don't want your stuff we want our money '' they threatened to take us to court for " theft '' even tho we have been making payments, we're just late and struggling to keep food on our table. They have no remorse no consideration, they only want money in cash. Everytime my husband speaks to the two lady 's they are VERY rude rasing their voices and trying to provoke him, they do not let him talk or get a word in they talk to him like he has no sense at all. I hope they don't treat all their customers like that.

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