BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-02
Company: SYNCHRONY FINANCIAL
State: PR
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 a credit card with XXXX XXXX XXXX and financed with XXXX XXXX. The agreement was o payments o interest until XX/XX/XXXX they charged ne XXXX every month and additional they report the account past due on my credit report. I submit a dispute and they corrected the credit report as outstanding for the month of XX/XX/XXXX. On XX/XX/XXXX they reported 30 days past due again and I made. I wanted XXXX XXXX to correct my credit report and eliminate the 38 charges for late payment. That constitute a deceptive and abusive action from XX/XX/XXXX. They also decrease approved credit limit.

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 2021-02-02
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RENT RECOVERY SOLUTIONS Last reported XX/XX/2021 {$67.00} Open balance 09 XXXX Original creditor After moving from the XXXX, I was not sent any outstanding bills due. I satisfied all requirement under the contract and paid all expenses due at the expiration of the contract between the XXXX and myself. As matter of fact, the apartments became inhabitable due to the water being off more than 90 % of the time the last month of the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Conn's, 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: Information belongs to someone else

Complaint:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX   and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-02-24
Company: Convergent Resources, Inc.
State: NJ
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 have never given permission to furnish the information to XXXX XXXX XXXX Investigated accounts that you didnt request to be investigated. Majority of the account information is inaccurate, the open dates and last active dates are never matching on any information originally. Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as 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 2021-10-05
Company: EQUIFAX, INC.
State: IL
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:
WHEN I WAS YOUNGER MY MOTHER USED MY SOCIAL SECURITY NUMBER TO GET UTILITIES IN MY NAME. I WAS UNDER THE AGE OF XXXX. 
MOVING FORWARD, MY INDENTITY WAS STOLEN IN 2015. I HAD ME AND MY CHILDREN BIRTH CERTIFICATES, SOCIAL SERCURITY CARDS, ID AND DRIVER LICENSE INSIDE MY CAR BECAUSE I HAD AN APPOINTMENT FOR RENTAL ASSISSTANCE AND FORGOT TO TAKE THEM OUT. ONE OF XXXX  HAD TO GOTO THE CAR AND GET THIER BELONGINGS OUT THE CAR AND DIDNT LOCK THE DOORS. THE NEXT MORNING WHEN I GOT READY TO LEAVE FOR WORK I NOTICED THAT MY CAR HAD BEEN SEARCHED THROUGH. GLOVE COMPARTMENT WAS OPENED. 
CHANGE WAS MISSING AND MY DAUGHTERS CELLPHONE CHARGER WAS GONE. I THEN WENT TO THE BACKSEAT TO REALIZE THE THE MANILA ENVELOPE WAS MISSING. WHICH IS WERE ALL MY PERSONAL IMFORMATION WAS WITH MY DRIVER LICENSE AS WELL. I'VE HAD A VERY HARD TIME TRYING TO GET THE THINGS I NEED IN LIFE AS FAR AS LIFE. I DONT UNDERSTAND HOW PEOPLE CAN GET ACCOUNTS IN YOUR NAME AND ITS HARD FOR ME TO GET ONE WITH MY OWN IDENTITY. 
NO INFORMATION CAN BE GIVING OUT FROM THESE COMPANIES BECAUSE I DONT HAVE CERTAIN INFORMATION THEY NEED TO VERIFY THESE ACCOUNTS THAT ARE IN MY NAME. IVE TRIED TO DISPUTE THESE THINGS ON MY CREDIT AND NOTHING HAS WORKED. I WANT THIS THINGS TAKING OFF MY CREDIT SO THAT I CAN START MY LIFE OVER WITH HOPE & CONFIDENCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Brightfunders, LLC
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:
I am an active participant in the MD HAF program since XX/XX/XXXX I was approved on XX/XX/XXXX for Mortgage, Utility and HOA assistance. 

My previous loan servicer Lower LLC reported my account as late and they have yet to apply the funds to my account. It was admitted that they received a check on my behalf, however returned the check because of a discrepancy in the amount. The amount was " too much '' as confirmed by Loss mitigation- so they sent the check back and within 5 days reported my account as late. 

According to new regulations, servicers aren't supposed to penalize and adversely report late payments to credit bureaus knowing the applicant is both participating and approved for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Experian Information Solutions Inc.
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:
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  XXXX # XXXX, Account name : XXXX # XXXX, Account name XXXX XXXX  # XXXX, Account name XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX. XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602A. 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report my more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-04-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX XXXX I have paid in full my loan MERS : XXXX The mortgage in the amount of {$500000.00} has been paid off to XXXX XXXX XXXX, then it was held by XXXX XXXX XXXX XXXX which changed name XXXX XXXX which was purchased by XXXX. But none of above mention companies have issued a letter of satisfaction and mortgage is still recorded. Although XXXX XXXX on XX/XX/XXXX reported to Equifax that the loan was paid and closed. Since the mortgage is still recorded I am not able to close the sale of apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: I.C. System, Inc.
State: NY
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:
I disputed the amount claimed for terminated cell phone service with XXXX and its collection agency. I then filed a complaint on this site. The collection agency, XXXX then sent an email stating that it was no longer handling the account. I was told to contact XXXX directly. XXXX then forwarded me to I.C.Systems. I.C. Systems advised me via telephone that it has opened up an investigation with XXXX. The dispute is never investigated and addressed. The account just gets transferred and the cycle and damage to my credit continues.

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 2021-10-05
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a prequalification for a loan from Chase Home Lending to purchase a single family residence in Ohio. I spent many hours providing all of my personal information, tax returns and documents requested by Chase. I worked with XXXX XXXX at XXXX and XXXX XXXX at XXXX. They were constantly asking for more a more information and I provided as much as I could as fast as possible. I was looking to get a loan for {$130000.00}. I have excellent credit and funds to back up the monies needed to obtain the loan. It took over two months to get everything to underwriting. They required me to purchase an appraisal and I paid for it on my credit card. They said the loan was going to be sent to underwriting and then we could look at committing to an exact closing date. The contract closing date was XX/XX/2021. I received a phone call on XX/XX/XXXX from XXXX 's manager and he left a voice mail. I tried to return his call five times and was unable to reach him and he did not have voicemail. I finally heard back from him the following Monday. He told me they closed my loan and could not go any further with the loan. I asked him what the problem was and he said he couldn't disclose that to me. They provided me no explanation on my own loan. He said they are not allowed to tell me why my loan did not go through. I was not given any options to find out what happened and was told they would not be refunding any money I have put towards the loan. I asked him how can they ask for all of my personal information and prequalify me, require me to purchase an appraisal and then just day no with no reason. If it was my credit or XXXX  then I need to know so I can address any issues. He said he couldn't share any of that with me. XXXX was asked when was it disclosed to me that they can just decide to pull the loan with no explanation and he said they do not disclose this to the consumer which I find inexcusable. The consumer should have the right to know what is going on with their personal finances. Not only did we lose the house, I am now out the money for the inspection ( {$370.00} ) and the appraisal ( {$650.00} ) and numerous fees charged by my accountant to pull all of the tax documents the lender requested with absolutely no recourse or any information. They basically washed their hands of me because they claim to be the biggest financial institution in the world and I am just one person that has little meaning to them. I am concerned that someone can be asked to provide any and all information in good faith of the lender and then be treated like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report to this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$6400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2021-02-02
Company: Sarma
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. SARMA Inquiry : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
on XX/XX/2019 XXXX XXXX XXXX XXXX reported my car account delinquent I have never been 30days late in my account. This caused me not to be able to refinance my home.

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 2019-08-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We bought our home through fha financing through wells fargo. In 2007 our home was forclosed on after we were told during closing our payments were {$570.00}. First payment XXXX. We asked for help, got denied, lost our home

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 2021-10-05
Company: Bread Financial Holdings, Inc.
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I had a promo for XXXX  % on purchase of {$860.00} from XX/XX/XXXX until XX/XX/XXXX. 
I believed I had paid off the balance but upon checking I was charged deferred interest. I had tried several times messaging the company and then called on XX/XX/XXXX to try and explain I was charged too much interest. My call was dismissed and was told there was nothing I could do about the interest charges. I recalculated my statements and believe I should be subject to interest on a balance of {$180.00} at the time of XX/XX/XXXX. However, I was charged interest based on a balance of {$410.00} and do not understand how this balance was attained. 
I was charged interest of {$180.00}. I had tried to explain I had lost my job due to Covid during the timeframe but they said there was nothing they could do about the interest charged.

This amount of interest is a huge burden to overcome while I try and dig myself out of debt from losing so much income during Covid. I had been staying home with my kids because they could not attend school during much of this time as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I contacted Experian via Credit Check total 2 months ago to cancel my free trial membership and was told I would not be charged anything. On Friday the XX/XX/XXXX my card was charged for 2 months while I was out of town on a family vacation. I have called everyday since then and spent hours on hold and cant get through to anyone. I have also emailed asking for help. I want my money back. My account # is 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 2018-04-01
Company: Security National Financial Corp
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Note that this complaint is actually about the loan servicer XXXX XXXX ( XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, NJ XXXX ) which is servicing the Loan for SecutiryNational Mortgage Company. 

I was on a federal declared disaster area forbearance plan related to Hurricane Harvey for 5 XXXX XXXX loans. These loans did not originally have escrow accounts and have never had an escrow account associated with them. I have records to prove that the insurance, taxes and HOA fees have always been paid on time. When we started the trial period there was no mention of adding an escrow account to the loans. In addition, the trial period payments did not include funds for escrow. Escrow accounts were then added to the loan at some point during the trial period without any notification. I have since brought all loans current and requested that the escrow accounts be removed from the mortgage accounts. XXXX XXXX owns the loans and requires that the borrower be notified during the trial period that an escrow account will be added and that the escrow amount be included in the trial payments. XXXX violated XXXX XXXX   rules in servicing these loans by not notifying the borrower and by not adding the escrow amounts to the trial period payments. I have also contacted XXXX XXXX and they confirmed the violation and they are starting a claim with XXXX regarding these loans. Despite several phone calls and sending in the required documents XXXX is continuing to add escrow requirements to the loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has froze my account that I have with them and it has {$5400.00} in it. They will not give a specific reason for freezing my account. Now they want to hold my money for 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021 at XXXX XXXX I went to Wells Fargo ATM XXXX branch to withdraw {$300.00}. The ATM gave an error sign. I DID NOT RECEIVE ANY MONEY. I took my card out and wanted to make sure there was enough funds in my account before I tried withdrawing money again. MY ACCOUNT SHOWED THAT EVEN THOUGH I HAD NOT RECEIVED ANY MONEY THE {$300.00} HAD BEEN DEBITED OUT. I called customer service on the back of my debit card and filed a claim. They provisionally credited me the {$300.00} pending the investigation. I received a letter on XX/XX/XXXX dated XX/XX/2021, that their investigation was complete and there was no money over at the ATM, no error sign and they were taking the {$300.00} back on XX/XX/XXXX. I went to the Bank on XX/XX/XXXX and spoke with the branch manager XXXX XXXX who couldn't have been kinder. 
He spent an hour on the phone with the ATM investigation unit and they said that I received the money 7 seconds after putting my card in. WHY WOULD I FILE A CLAIM IF I ALREADY GOT MY MONEY. I insisted I see the video footage and they said unless there is fraud they won't look at the video surveillance. The bank manager filed a claim for me and they had ten days to respond. I called today and ( XX/XX/XXXX ) and they said a letter was sent to my home on XX/XX/XXXX ( which I haven't gotten ) that their investigation is complete and they agree with the ATM people. SO I LOST {$300.00} OF MY HARD EARNED AND THEY COULDN'T CARE LESS!!!!!!!!!!

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