BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-25
Company: SYNCHRONY FINANCIAL
State: MS
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:
This company reported a inquiry that I did not do thank please remove

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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX  XXXX XXXX from XXXX, the other is XXXX XXXX XXXX from XX/XX/XXXX, and the other account is fnbo from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I sent an email to my relationship manager showing all the documents ( quit claim deeds ) as to who the ownership of this home belonged to. 
The house was sold in XX/XX/XXXX. 
SPS sent escrow checks back to me HOWEVER, they made them payable to the deceased person, PLUS the person who was on the loan at one time, and taken off the title. 
I have asked them to reissue these checks into MY NAME. I am the owner of the property, and I received a letter stating they received my inquiry and I will have an answer in 60 days Well its much more than 60 days, no answer When I called and I spoke to the lady she said my request was received XX/XX/XXXX and it is not 60 days. I told her its MORE THAN 60 days its XX/XX/XXXX. She put me on hold and NEVER RETURNED to the telephone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: KY
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 tried to make a purchase at XXXX XXXX on XXXX XXXX. I was told my credit card that my husband had with me as an authorized user had been closed. I called my husband and my husband told this employee that his information was incorrect because he just made a purchase in the store a few days prior. Employee at XXXX XXXX assured my husband he would help look into this issue. I was asked to enter a 6 digit number into this computer base. I did so because the employee assured me he was double checking with the credit card company. He acted nervous and finally handed me a 800 number with a pamphlet and told me to call to get this matter fixed. I found out by calling that this guy tried to set up another credit card which I did Not want or need. I contacted the store manager and got no help but sorry it's not under his control.I immediately contacted XXXX by phone and was told it was an Equifax issue. I contacted Equifax and made several complaints. I still the hard inquiry is on my credit. 
I strongly feel this was fraud. I also immediately put a freeze on my accounts.the latest call to Equifax was on XX/XX/2020 and made another dispute. 
The confirmation number from this latest call is XXXX. The last letter I received from Equifax was XX/XX/2020 stating that my initial fraud alert has been placed with the Equifax for 1 year. I have Not gotten anything in the mail from Equifax regarding this issue. They have failed to rectify the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions 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:
I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( XXXX XXXX  ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX . Which is more than the original purchase price. As of today we owe approximately XXXX and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is XXXX XXXX  based out of XXXX XXXX California

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 2019-07-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted two letters at different times over the past few months ; disputing incorrect information on my credit report. I asked the bureau to provide me with the written and signed contract between myself and the collection agencies that reported. I was told to call them ( collection agencies ) myself, ( the bureau ) we're not doing so. I then asked for the letters or means of verification that the bureau received and they refused to give it to me, or verify their verification process. I demanded that the derogatory data be removed and they reinerated that it was verified. I do have letters that I sent to each bureau requesting these things to be removed. 
They also added a last name to my name that isn't mine.

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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Ths regards XXXX Master credit card XXXX MASTERCARDXXXX  XXXX I am not the owner of the account. I was added as an authorized user. Therefore I am not responsible for the payment on the 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 2018-10-02
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Cbe collection said I owed debt I paid with debit card over the phone in full Said they would remove it from my credit report from XXXX if I paid in full they had it taken off and put it right back on I have contact both XXXX  and cbe collections and they blame One another I am trying to buy a house and the collection on my credit report is keeping me from it please help me Resolve it I have online recipe of payment. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I tried reaching out to the company numerous times about the debt and they sold it to a debt collector and now its been sent to another company and I can't speak to no one about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2021-05-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2020-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per my certified mail receipt the investigation took more than 30 days, it did not resolve the issue and as a penalty for my complaints the credit bureau lowered my credit score by 18 Points despite my paying off 2 loans. My student loans were lowered by XXXX due to forgiveness. The remaining loans were consolidated and interest lowered. 3 negative accounts were removed off my credit and the credit bureaus lowered my Fico score instead of raising it. Today XXXX  raised the score to what it was prior to the debts being paid off and the student loan reductions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Experian Information Solutions 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:
Re : Formal Compliant Against Experian To whom it may Concern : I am writing a formal compliant against Experian. My Compliant is that they have failed to removed a negative reporting off my credit file. The initial Certified letter to Experian was sent on XXXX.XXXX.19,  disputing the inaccurate reporting, along with a correspondence letter from XXXX on XXXX.XXXX.19, which states there are no delinquencies reported in the credit history of the account in reference. After submitting this information to Experian they are still stating that discrepancies are still accurate, which does not line up to what the Original Creditor Verified in there previous letter.

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 2021-06-08
Company: Bread Financial Holdings, 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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX - There are multiple errors in the listing that are damaging to me including high credit, date last of activity, the date of last payment and payment history. Please update for lawful accuracy or delete immediately. 

XXXX XXXX - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX  balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file. 

XXXX XXXX XXXXXXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

XXXX  XXXX - I informed you before that this account was showing an inaccurate payment history. This inaccurate information continues to do harm to my credit. You didnt investigate! And where is my proof of payment history? You have to go back and take this off!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: JPMORGAN CHASE & CO.
State: FL
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:
Problem first happened on XXXX XXXXWas trying to get a loan.A person put money in my account and told me to get him a XXXX XXXX XXXX XXXXSo I figured it was his money well this person reversed the charges on my account.Chase bank won't close the account and now it's up XXXX I have been to chase bank a number of times to see bank manager only to learn he's off.I have reported them to the attorney general.I have a learning disability.My account was hacked.Bank said all my claims have been denied.So at least XXXX  has been reversed to me.Im hoping you all help me.Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: PENTAGON FEDERAL CREDIT UNION
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a PenFed Credit Card and got denied regardless of the reason I was denied. I have the right to credit, withholding my access to my security is SECURITIES FRAUD! You are violating the Equal Credit Opportunity Act and Consumer Credit Protection Act since you are denying me my credit PLEASE RETRACT MY APPLICATION. 

THANK YOU XXXX XXXX Attorney in Fact for 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 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 made all payments on time ( less than 30 days late ) but the company decided to the report to the account 30 days late. Payment was due on the XXXX of XXXX, and I made a payment on XXXX of XXXX which is obviously less than 30 days. Two different payments were due on the XXXX and the XXXX of XXXX, and I made the payment for both on the XXXX of 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 2021-12-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Hi! 

I received a letter from Synchrony Bank XXXX XXXX XXXX XXXX FL XXXX Tel. XXXX stating that I requested for a XXXX XXXX XXXX product. I called the bank and told them that I never applied for such inquiry. Some one is using my name, address and Social Security number to apply for a credit line. I would like law enforcement to investigate my case. Thanks And whomever used my information put an Apartment number which is wrong. I would definitely press charges to the fullest in recommended by authorities.

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 2020-12-05
Company: Santander Consumer USA Holdings 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:
On XX/XX/XXXX Santander reported my closed charge off account as open. Prior to that date it was being reported as a charge off closed account w/15 charge offs and is now reporting as open with 15 late payments. I believe this was done as retaliation for me filing a dispute with the CFPB regarding their business practices. This lowers my score because it is perceived as an open account with late payments. It also increases my debt to income ratio because the balance is added to my open current accounts. There has been no payment activity on this account since XX/XX/XXXX so what caused the account to be reported as open or reopened? Also, was this account reported as a closed account/profit loss to the IRS per Santander? Or was it reported as an open active account seeking collection? A XXXX  rep informed me on XX/XX/XXXX that the way Santander reported this account was unusual due to the remarks stating closed, write off, charge off, bad debt but yet the status is open. I spoke with a Santander supervisor named XXXX on XXXX XXXX who stated the status will not be changed he also assured me that this was normal reporting. He even persuaded me to settle as he reinforced the idea that the account status was accurate and was indeed opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions Inc.
State: OH
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:
I have communicated over a period of one year with the credit reporting company that : The DEBTS shown are not mine and submitted the COURT DOCUMENTS indicating that the DEBT is not mine and they still have not removed the items.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 section 602 A. States I have the 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 by 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 consumer 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 2023-08-18
Company: FirstPoint Collection Resources
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I left North Carolina after my lease was done. I paid all my electric dues and gas company XXXX keeps telling I owe them money since I did not close the account. I asked them before I left that I will pay my last bill which I did. I left the country and came back they said I was not home to be there at my apartment so they did a soft close. It was not my problem anymore I called the apartment building and said to them XXXX XXXX was trying to close the account this was my second time letting them know I am no longer there my lease is done and I left the country. Now they keep sending me email that I owe this {$10.00} for the month I was not even residing in XXXX. After I asked them to fix this they still did not do anything. I paid all my utility bill up to date when I was living there in XXXX. I do not think this is my fault nor I was not there living for those days in XXXX. They still ask me to pay after I already paid and asked them my final bill after I left the country.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: OH
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:
Hi, The payment history for students loan are inaccurate as I have not been late. I requested METHOD OF VERIFICATION OF LATE PAYMETS. Without automated response from a e-Oscar system. I would like to know the individuals involved in the investigation that verified the late payments. Here is the information that should presented : Names, Dates, Addresses, Notarized documents, and Phones Numbers. Also, I did not recall these accounts as well. 

Loans : XXXX # XXXX Amount {$24000.00} XXXX # XXXX Amount {$15000.00}

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 explanation