BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Provider at XXXX XXXX did not disclose product or product details, omitted interest rate told me that interest was free for 12 months described to me as a loan, ended up being a credit card and if balance wasnt paid Id have to pay all the interest accrued for the whole year, found that out the month it was due. My annual income was forged by provider as I did not provide it for the application but a number was put in their i later saw on the documents. Same thing happened with my moms account and she had a portion of my down payment on her account and services for my sister and she filed a claim with synchrony bank - and won they reimbursed her care credit balance but now the XXXX office is saying I owe because synchrony reversed it and now theyre out the money. Does not sound right to me. Deceptive practices and they forged the credit application also did not disclose all the fees and interest. Sounds like UDAAP violation. Synchrony has a class action from XXXX that matches everything that happened to us. I was XX/XX/XXXX at the time and informed her that I did not want any credit products because I did not want the hard inquiry she said itd be a soft inquiry but it wasnt stayed on my credit. Credit was also ruined for missed payments to synchrony because I was told it would be one lump sum to XXXX office not a separate account I needed to pay.

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 2019-03-07
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I disputed an item on my XXXX file " XXXX XXXX XXXX XXXX '' because it was outside federal obsolescence. The status was " current '' and it was " Paid after foreclosure started ''. I have attached two images ( XXXX and XXXX ) showing this status as of XX/XX/XXXX. ( Account number listed XXXX ) After disputing the item, XXXX changed the status to " charged off ''. I have included the images ( XXXX and XXXX ). An item can not be paid after foreclosure and current in XXXX and then become a " charge off '' in XXXX. This is an example of willful negligence ( as provided in the Fair Credit Reporting Act ) on the part of either XXXX or on Wells Fargo Mortgage. 

I AM FILING THIS AGAINST XXXX XXXX XXXX XXXX BECAUSE THE FAIR CREDIT REPORTING ACT ( SECTION 623 ) PROVIDES THE SAME REQUIREMENTS FOR REPORTING ON DATA FURNISHERS AS IT DOES FOR REPOSITORIES. 

It is quite apparent that someone at XXXX XXXX XXXX XXXX is manipulating the status of this account to purposely reflect in a more delinquent status to artificially lower my credit scores. This is clearly WILLFUL NEGLIGENCE. 

I want this item removed from my file or I will seek punitive damages as provided in the federal law.

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 2023-01-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022, my checking Account at FifthThird Bank was 'hacked '. XXXX withdrawals were made thru a secondary bank partner 'XXXX  XXXX. The payments were for {$490.00} and {$300.00}. I was not informed of these withdrawals inadvance. I immediately had my computer cleared of any malware at XXXX XXXX XXXX XXXX. I told Bank Fraud Dept. that day and they started a case. ( # XXXX ). On XXXX XXXX, they closed case. I told them i cleared my computer of any malware and thjey said to send them 'proof ' and they would reopen case which the did. Last week they sent a notice saying They could.t do anything to help retreive the stolen ' money. I have been a customer with 5th3rd Bank for over 10 years, my wife and i are in our late XXXX 's and on limited income. We need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Experian Information Solutions Inc.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize these inquiries. I am requesting that the inquiries be removed, that any 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. In accordance with FCRA, I am requesting these inquiries to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

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 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 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 2018-08-07
Company: Rubin & Rothman, LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
0n XX/XX/2018, around XXXX, someone was pounding very loudly on my door. He claimed to be serving me a lawsuit on behalf of Rubin and Rothman LLC, but then told me to call the company to work something out. He handed me an official looking paper stating the Supreme Court of The State of New York XXXX County summoned me to answer a complaint brought by XXXX XXXX XXXX and, if I did not respond within twenty days, a summary judgement will be taken against me. This didn't look legitimate to me as there was no official seal, judge 's name or court date, and it also stated on the bottom that " we are attempting to collect a debt '' ; so i brought it to the local police station where a police XXXX contacted the court clerk who said that, while they were familiar with the law firm, no action had been brought against me. I also looked at my credit report and saw that, unbeknownst to me, XXXX XXXX claims to have charged off my account ; but there wasn't a negative comment, or any mention of Rubin and Rothman, LLC. In fact, I had never heard of this company before being " summoned '' -- there were no attempts to contact me by mail or phone. 
In summary, I do not believe that I owe this money ; Rubin and Rothman, LLC acted improperly by sending a putative process server to my door when he was merely a bill collector ; Rubin and Rothman, LLC pretended to act on the authority of the court ; and, finally, Rubin and Rothman, LLC claimed they are representing XXXX XXXX XXXX when it seems they are a third party bill collector. 
The full contact information for the company is as follows : Rubin and Rothman, LLC. XXXX XXXX XXXX. XXXX, NY XXXX. XXXX. 
Finally, I am a retired person living off of a mere XXXX pension ; maybe, if they had done some research first, they would have realized that, even if I did owe this money, there is no way for me to pay.

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 2020-07-08
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-06-30
Company: MoneyLion Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Money was removed from my Checking account with XXXX on two separate transactions from MONEYLION. I have never had any interaction with this company nor heard of them until today seeing this in my account. I contacted the company today with no results. 

ORIG CO NAME : XXXX XXXX XXXX XXXX ENTRY DESCR : XXXX XXXX : WEB IND ID : XXXX ORIG XXXX ACH debit {$19.00} Pending ORIG CO NAME : XXXX XXXX XXXX XXXX ENTRY DESCR : XXXX SEC : PPD ORIG XXXX ACH debit {$44.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Equifax is stil not reporting everything on my credit ... there are numerous credit card account in good standing missing yet they are making sure they report collection accounts!! I have contacted them before about this and Im tired of playing these games with them!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: Experian Information Solutions 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:
I have disputed multiple times collection accounts with Experian, XXXX XXXX XXXX  that I am longer liable for, these accounts have been bought therefore I am no longer liable. They refuse to remove them from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: ME
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a Toyota Financial car loan. Upon purchase, I set up automatic payments through TFS. Without informing me, TFS stopped the automatic payments. TFS does not send me paper statements even though I have called repeatedly and asked for them to be delivered. I can not access the online account even though I have called repeatedly about this issue. When TFS stopped my automatic payments, I was unaware that this had happened. TFS did call several times, but they did not leave a message. They just hung up. Because of the hang ups, I assumed that this was a scam call. They finally sent a statement for XX/XX/2020 when they had not taken out three payments. TFS charged me late fees and reported nonpayment to the credit bureaus. I did not stop payment ; they did. This is their error. If you read other complaints to XXXX  and CFPB, this is a commonplace complaint against TFS. The resolution I request is updating my credit report and refund of late payment fees. Please note : I have also filed a complaint with the XXXX. This has not resulted in a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection agency has no provided LEGAL documentation verifying this debt or that they have the right to collect. In which by law the collection agency is required to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
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:
Disputes where submitted XXXX, XXXX for item to be removed and they where not removed and no correspond

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
XXXX  debtor  purchased an account and did not provide opportunity to validate. Did not provide any details as to how they obtained debt chain of title. Products received from XXXX are disputed and they are alleged to be Defective product. I have been willing to make arrangement to return defective product products. The debt buyer owns my debt, it generally must prove how it came to acquire it. The sale of a debt from one creditor to another is memorialized through an assignment in which the original creditor assigns ownership ( and the right to collect the debt ) to a new creditor. To be valid, the assignment must sufficiently identify your particular debt. 

Often, debts are sold and resold over and over again to a number of subsequent debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
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 not had any credit accounts for years. I basically used cash for all my transactions. Recently I decided to buy a house and I had to build my credit to do so. I pulled my credit and notice a lot of activity on there that I did not know about. On the advice of a friend, I ran my information to see if my profile was leaked in a data breach and it was. My credit report should have been blank, but there are several items that I need to remove before I can move forward with my aspirations to become a homeowner. These items include incorrect addresses, phone bills, utilities bills and an auto loan.

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 2018-02-14
Company: Exeter Finance Corp.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX has XXXX XXXX XXXX on my credit file and I don't owe or had any loan or debt with this company and have nor ever received any letter or nothing from this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-23
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am filing this complaint against my mortgage servicer Loan Care/ XXXX XXXX XXXX  for committing DUAL-TRACKING. Presently, Loan care has my complete loss mitigation application under review, I attached a letter dated XXXX XXXX, XXXX from Loan care confirming my loss mitigation application is complete. I just received notification that a foreclosure complaint has been filed against me with Superior court of new jersey XXXX county on XX/XX/XXXX. Per CFPB article dated XX/XX/XXXX CFPB Rules Establish Strong Protections for Homeowners Facing Foreclosure, Loan Care/ XXXX XXXX XXXX  is in direct violation by filing this mortgage complaint against me. 

Please see attached loss mitigation letter from Loan care and foreclosure complaint filed with the State of New Jersey. 

Loan care has committed DUAL-TRACKING. Presently, there is an loss mitigation application complete and under review with Loan care, no decision has been made or either an option for me to appeal the decision. Loan care has committed dual-tracking filing this complaint while loan modification/loss mitigation is pending review. I attached all documents to this complaint as proof. This is clearly a direct violation by Loan care and I want to pursue legally. 

I am filing this complaint to help stop this from happening to other people specifically dual-tracking. Please help 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 2020-07-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Sent a money transfer XX/XX/20MoneyGram states money will be received in minutes the reciever is yet to receive the money and it is XX/XX/20. The website state a refund can be processed if reciever hasnt received the money and I call a respresentative I was denied a refund. 
Ref number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08
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: Old information reappears or never goes away

Complaint:
Transunion shows a debt in collections on my report that was charged off in XXXX and no judgments or agreements since. This debt is past the statue of limitations and shouldn't show on my credit. XXXX  XXXX told me that they show the account was charged off in XXXX but said it shouldn't show on my credit as well. Unfortunately they would not send me documentation saying the charge off date or last purchase date. Transunion has not sent me validation of debt with the charge off date, delinquent date and last date of purchase. Its ridiculous I was sent a letter from XXXX  XXXX saying they would resolve it but they say it's not showing on my credit and its definitely on transunion. They couldn't post it on XXXX  because another company tried on XXXX  in XXXX. XXXX  actually investigated and found charge off date but transunion just says its verified, and even after a certified validation of debt letter they still wont supply any info as to age of debt, when debt was charged off and last purchase 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 explanation
Consumer complaint received 2018-08-07
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: Account status incorrect

Complaint:
In XX/XX/XXXX I applied for a loan modification with XXXX XXXX XXXX XXXX. I was granted the loan modification and complied fully with all terms of the agreement. I made every payment on time throughout the process. I sold my home in XX/XX/XXXX as a regular sale and settled my mortgage with XXXX XXXX. My credit report now shows that there were several months of unpaid payments for the mortgage, even though we complied and made every payment on time. I would like XXXX XXXX to remove all data from my credit report completely as this has made obtaining any new credit impossible and has a severe impact on my life.

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 2020-07-31
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They falsely reported my mortgage in deferment starting XX/XX/XXXX but my account was current on 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 2020-10-24
Company: Receivables Management Partners, LLC
State: IN
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 the debt was paid in full. My attempts to resolve this matter with the Creditor have been unsuccessful. My payment of {$100.00} was applied to the wrong account with a larger balance and refused to resolve this account. I have attempted to resolve this with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Kriya Capital, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am making regular monthly payments on this account. This company calls me daily. I have asked them repeatedly to stop and blocked several numbers. They have also reported this to my credit report as deragatory even though I am making regular payments.

Company response to consumer: Closed with non-monetary relief