BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: EQUIFAX, INC.
State: PA
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:
XXXX, XXXX XXXX dealer services & US DEPT OF EDXXXX has reported Incorrect information on my report : wrong name, wrong address, & fraud. Of which they were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: U.S. BANCORP
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I went to XXXX XXXX with some girlfriends who had the exact same problem as I am about to describe. Each time we took a cab that was supposed to be around {$20.00}, they charged around {$850.00}!! We called our credit card companies and the two girls I was with had no problem! The credit card company marked it as fraud and handled it. But I did not have the same experience. My US Bank card keeps insisting that it is a valid charge. What cab ride would cost {$850.00}??? I have three charges for transportation : {$920.00}, {$860.00} and {$840.00}. All charges were on XX/XX/18 and the three signatures do NOT match my signature. You can tell they obviously had my signature and tried to forge it. I can not tell you how many people I have spoken with at Cardmember Services - and how many HOURS I have been on hold!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Have been getting frequent calls some coming before XXXX. Caller apologized but continued hung up said I was going back to bed then they called right back.

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 2018-01-09
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX XXXX I sent {$250.00} to fifth third XXXX card by mistake via the Internet from my credit union. I called them on the XXXX. They said we have not received the money yet I said okay call back next day they said yep takes 10 business days to get it back I call back on the 10th business day and now they say takes 5 to 7 days to get money in the mail that 's funny it only took 30 seconds for my internet to transfer the money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-23
Company: Experian Information Solutions 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:
I have complained previously about XXXX XXXX  reporting a 30 days late ( in XX/XX/XXXX ) on actually day 29 ( not 30 days late ) wthe furnisher received notice of a credit dispute from a credit reporting agency, and ( 2 ) the furnisher thereafter acted in willful or negligent noncompliance with the statute.hihc is in direct violation of federal laws. all the agencies have done asked the XXXX ( furnisher of the report ) to verify the information and XXXX verifies they are reporting correctly however that is FALSE. 
15 U.S.C. 1681s-2 ( b ) imposes a duty on furnishers of information to investigate disputed information after receiving notice of a dispute concerning the completeness or accuracy of information from a consumer reporting agency. the furnisher ( XXXX XXXX received notice of a credit dispute from a credit reporting agency, and XXXX XXXX  ( the furnisher ) thereafter acted in willful or negligent noncompliance with the statute. still reporting on day 29 instead of day 30... XXXX has willfully neglected to report correctly and therefore is in violation of 15 U.S.C. 1681s-2 ( b ). 
All there agencies named here ( experian, XXXX, XXXX ) pursuant to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, have failed to establish or follow reasonable procedures, and for failure to delete inaccurate information.

ee 15 U.S.C. 1681e ( b ) ( " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. " ) ; 15 U.S.C. 1681i ( outlining procedures for credit reporting agencies to follow in the case of a disputed accuracy ). See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX claims against XXXX under 15 U.S.C . 1681e ( b ) and 1681i are due for dismissal because those provisions apply only to consumer reporting agencies. " ). 
If the agencies continue to not properly investigate the late 30 days reporting incorrectly by the XXXX on XX/XX/XXXX ( late 30 days ) I am left no option but to bring a federal lawsuit for damages against each agency under Fair Credit Reporting Act ( " FCRA '' ) for injury to reputation or creditworthiness for over a {>= $1,000,000}. 
XXXX can not report alate 30 days date, when they had payment in their possession on day 30. 
XXXX continues to reprot a late 30 days in XX/XX/XXXX which is incorrect information

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 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Reporting company used your report improperly

Complaint:
XX/XX/2018 found a hard inquiry on my credit report that I have no idea about. Tried calling them and they wanted my card information to sell me a XXXX gift card..after refusing many times I asked for the fraud dept. The number they gave me was XXXX which is the number for information, I tried calling back and they blocked my number. I have called trans-union about this and they said they can not help. I called the Fed. Trade Comm. and they haven ; t helped. I just want this hard inquiry off my credit.

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 2023-11-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not authorize the XXXX to include any information on my report, which is a violation of the permissible purposes outlined in The Truth and Lending Act 15 U.S.C 1681B concerning reports. Additionally, this action raises concerns regarding compliance with the procedures stated in 15 U.S.C 1681E. Section 4 of 15 U.S.C 1681C is particularly relevant in this context.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Pendrick Capital Partners Holding, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Continul robocalls day and night. This Affilate Solutions received the Account from Pendrick Capital Partners II. These calls began just before Christmas. The letter I received from Affiliate is dated XX/XX/XXXX. The date of service was allgedly XX/XX/XXXX at XXXX XXXX  XXXX   which I would never use. My XXXX doctor would use XXXX XXXX or XXXX XXXX in XXXX, TX. As I was never billed contacted the numbers they have called from and was told that they have no record of my service. I called again today and looked at the XXXX XXXX records and there is no bill there. I can not due to being XXXX   attach documents but I have 1 letter and a photoshot that shows the account can not be found. I was robbed and all my personal info went with the thief. Since this just began believe someone has stolen my identity and used it for medical treatment. I have found alot of negative issues regarding this agency and I know they must have dragged something somewhere, I don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Please see attached, I was charged a late fee, credit limit cut in half, and found to have been late on a payment I made early.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-23
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: Account information incorrect

Complaint:
I originally opened an account with XXXX that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.

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 2021-06-09
Company: EQUIFAX, INC.
State: LA
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: Mortgage Research Center, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Veterans United home loans states to the property of XXXX and XXXX XXXX that we are missing a payment, first they say we were missing XXXX payment now theyre saying were missing XXXX payment Info from my banking transactions how I pay my bills is still banking online one XXXX XXXX we have shown all the monies coming out the check it was sent when the check was cashed and I have sent them all the information and Ill they keep saying is we dont have enoughXXXX XXXX we received a mortgage and Home exemptions which is still not been applied to our account we have talked to several people at least every three weeks since XX/XX/2021 and Im still getting the same runaround where theyre not writing anything down and I have to keep going through the same process in the meantime it has destroyed my credit XXXX now my credit score 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 2018-01-09
Company: PREFERRED CREDIT INC
State: OK
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:
My credit report shows a loan of XXXX dollars opened in XX/XX/XXXX, as a joint loan. With preferred credit that was closed on XX/XX/XXXX. I have never had a joint loan, and never with perferred.credit. never even heard of the company until now. I would like it taken off my credit report. I am a single mother trying to get into a house that this keeping from renting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I sent correspondence to TransUnion requesting a proper investigation, in accordance with the FCRA, in to multiple accounts on my consumer report. By XX/XX/XXXX, I still had not received an update from TransUnion as to the status or of the investigation. 
Eventually, via online portal, the " results '' came back as " Verified '' with no additional information provided to me, the consumer, as required by law. The only way for TransUnion to correct its shortcomings and be in compliance with federal law, is for them to delete the accounts in question. They no longer have the leniency of simply changing the status of these accounts to reflect " disputed ''. 

At this point, in order for TransUnion to be in compliance with the FCRA, these accounts are required to be deleted. They have not been. With this evidence, I consider TransUnion to be in direct willful and knowing non compliance of the Fair Credit Reporting Act and they are liable for damages, pursuant to 15 USC 1681n.

Even so, I gave TransUnion TWO more chances to correct this mistake. First, I sent a follow up letter reminding them of how they had failed to provide investigative information with me as required by law. No response. Most recently, I delivered correspondence to them on XX/XX/XXXX, explaining the laws they are in violation of and demanding the removal of said accounts. TransUnion has assumed a vital role in credit reporting and has a grave responsibly to furnish consumer reports in a fair and accurate and impartial way- Congress states. They are failing to uphold their grave responsibilities. Congress also states, TransUnion 's actions directly impair the efficiency of the banking system and undermine the public confidence which is essential to the continued functioning of the banking system. 

This complaint is my final attempt before I am forced to file a law suit against TransUnion for damages and stress and for willful and knowing non compliance with the FCRA, a 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 2018-01-09
Company: LD Holdings Group, LLC
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I already filed a complaint with cfpb. I recently refinanced my home mortgage with loan depot.com llc. After I signed the closing disclosure the monthly payment and closing fees increased. Loan depot explained to cfpb the reason for the increase was due to their miscalculation of the school taxes and homeowners insurance. CFPB closed my complaint. My loan depot loan officer said I should be receiving a refund from my insurance, XXXX because loan depot and my former bank both made payments. 
I contacted XXXX, and they never received a payment from Loan depot. 
Loan Depot increased my mortgage payment, closing fees, gave me less cash than promised after closing because of the homeowner 's insurance escrow increase and school properties ... THEY NEVER PAY MY OWNER 'S INSURANCE. I lowered the escrow amount in my homeowner 's insurance, and sent a copy of my most recent declaration page of the insurance to loan depot. I asked them to adjust the mortgage monthly payment because of the new change in the insurance policy. No one has responded to my concerns nor have made any efforts to solve the problem. I 've attached a copy of my new homeowner 's insurance with this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-01
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have recently been awarded as a 100 % XXXX veteran and applied for property tax reduction as such.. The County ( XXXX XXXX, CA ) has issued a refund on property tax retroactively from the date I was awarded. In doing so the County sent out a form to the mortgage company ( Sun West Mortgage ) that paid the taxes on my behalf in an escrow account. The form lets the mortgage company determine if the refunded monies go to the home owner ( Me ) or paid directly to the Mortgage Company. My loan with Sun West Mortgage was closed Mid XXXX as I had refinanced to another company. With the beforementioned information Sun West without regard that my loan was no longer serviced by them elected to have the monies sent to them. The monies were sent to a third party company that Sun West uses to pay property taxes for there accounts and has been in there possession since XX/XX/XXXX. I have had daily phone conversations with the company and am just getting the run around as to where my refunded property tax money is! It was not identified that the money was sent to the third party until XX/XX/XXXX. Since than I have spoken to supervisor XXXX and XXXX. My last conversation with XXXX on XX/XX/XXXX was not even noted to the account according to XXXX whom I spoke to on XX/XX/XXXX @ XXXX. I had called at XXXX on XX/XX/XXXX and left a message for XXXX XXXX said he would call me back Monday morning and has yet to do so to this point. Since Sun West no longer has an active account with me they should have not of elected to receive my refunded money from the XXXX XXXX XXXX XXXX and I would have received my refund by now, like I did with the other refunds for the prior years from a different mortgage company. I feel as a XXXX veteran this company is taking advantage of the situation to control someone else 's finances, not sure if they do this kind of thing all the time to there customers but they are sure using my money for something since they don't seem to want me to have it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Credit Karma, LLC
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have been a loyal and ( mostly ) satisfied Credit Karma user. A few months ago, I read that Credit Karma began a " guaranteed approval '' rating for credit cards. Basically, it says if I apply for that card, I will either be approved, or Credit Karma will pay me {$50.00} on a card.

I tried to read the fine print. All I could find ( and all I see now ) is a small popup with 6 paragraphs of vague language. It said that an applicant was eligible as long I " fully complete an application for this credit card offer ( including providing any documents required ) while signed in to your Credit Karma account, and be declined. '' It did not state that I was required to receive an instant decision. It also did not include a link for further terms and conditions. According to this small popup, I met all the qualifications. 

I applied for a XXXX XXXX card on XX/XX/2022, through the Credit Karma website. I provided all the requested information and submitted for approval. Within a minute, I received a reply that XXXX XXXX needed more information, and they would mail me in seven to fourteen business days. 

I waited two weeks for some correspondence, only to receive one letter from XXXX XXXX that my application was denied. They never requested any further documentation or information. I was under the impression that meant I was eligible. 

A month passed with no correspondence and no gift card. I e-mailed customer support to inquire. They informed me that my application was listed as " incomplete. '' Even though XXXX XXXX denied me, Credit Karma could slip out of the deal because XXXX XXXX mailed me instead of giving me an instant decision. Credit Karma customer support was unable to help me any further. Now I have an inquiry on my report and nothing to show for it. 

A short, vague summary of the rules is inadequate when the consequences can profoundly damage a person 's financial health. I am scrolling the website right now and STILL can not find any expanded information that could've warned me. I never would've applied if this rule was CLEARLY stated.You would think that considering the legal problems CK is having with their credit card offers and eligibility claims, they would be more transparent with the terms. 

This was a disappointing and frustrating situation.

Company response to consumer: Closed with explanation