BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-19
Company: Optio Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving numerous robocalls each day from the number XXXX. I have called this number back previously, and told whoever answered the phone to STOP CALLING ME. 

Today, I called that number again, and got XXXX XXXX on the phone. I told him to stop calling me, that I was on the Do Not Call list, and that we have no business together. 

He said it was n't a sales call, so he had every right to continue calling. So I asked what the purpose of the call was, since we do n't know each other. He said he was given my number as contact information for someone he was searching for. He said a name, which I believe was XXXX. He refused to indicate the nature of his call or the reason for the ongoing harassment. 

I told him nobody by that name was associated with me or my phone number ( any XXXX could XXXX and confirm it ). I then guessed " Debt collector! '' and he refused to respond. 

I then asked for all his contact information. This is the info he gave : company name XXXX, mailing address XXXX XXXX XXXX XXXX, CA XXXX XXXX I am *assuming* the above information is correct, but have no way to verify it. He could be a total lying scammer pretending to be from XXXX ( which is, as it turns out, a debt collection company! ). Or, he could just be a XXXX employee doing lazy, sloppy work. 

I am sick of being harassed about a debt that is n't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANYS DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

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 2021-04-26
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was applying for a refinance on my primary residence with Mortgage Solutions Financial. The representative told me the loan was approved, that they had found financing with XXXX XXXX and that he had some difficulty getting it approved. He requested supporting documents and ordered an appraisal which I paid for. Five days later he emails me asking to show more liquid assets and explain why there was a lien on my home ( which there wasn't ). Even after explaining no lien and sending proof from XXXX XXXX county he said he was closing the loan and canceling the appraisal. 
He offered no explanation why he was looking for more assets. The entire email conversation was less than an hour while I was working from from him asking for more assets to giving up. He ignored my questions about the supposed lien. When I contacted him by phone he essentially said that there was nothing he could do and offered no explanation as to why he was canceling the loan. He did not give any details about what underwriting had found and never offered to have me talk to the underwriter. He gave me nothing except an offer to talk to his manager.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX 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 2020-11-17
Company: Netspend Corporation
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I haven't had access to my funds for almost 3 months. I have ordered 5-6 replacement atm cards and they never arrive. NEVER. I haven't had access to my money for way too long. I can't pay my bills, I can't eat. When I call I can't even understand the people on the other line. Very poor customer service. Even when you are really nice, they will put you on hold till you hang up, transfer you without warning to the wrong department, or make promises that never materialize. It's extremely frustrating. How hard is it to mail an ATM card to someone? It should only take 2-3 days. Meanwhile, they keep charging me monthly fees, XXXX $ for replacement cards, and won't let me transfer these funds to my bank account or any other account. How does this company exist? This is theft by deception. I need my money and they make it impossible to obtain it.

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 2020-11-17
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA
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:
Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
i notified equifax about getting my free credit report and i was declined to get one. and i provided them all types of verifications to them about my idenity and i was still declined to get a free credit report. but at this moment i am having to go through alot of red tape just to get a free credit report. it is wrong or there may be some thing that is in my report that they don't want me to see or inaccurate information that is in my report that they don't want me to see.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: JPMORGAN CHASE & CO.
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: Account status incorrect

Complaint:
Due to covid-19 I was unemployed and called all of my creditors to go into a forbearance if possible. Most of the creditors agreed and I called every creditor ( see attached for proof ) every month to update on employment statues and extend forbearance. XXXX XXXX and Chase Credit card were 2 of the creditors that I am having an issue with in regards to reporting delinquencies on my credit report. I was never notified, by phone, email or mail about my accounts being delinquent, even though I called both creditors every month during my forbearance. During a pandemic like we are currently in you would think there would be more communication and sympathy ... .I would have paid whatever needed to be paid to bring my account current. I specifically asked what I needed to pay if anything. I spoke to customer service for both creditors about this and they said there is nothing they can do once it's reported to the credit bureaus. This is very frustrating, as I am still unemployed had to bring all my accounts into a hardship agreement, which already disrupted my credit, and now these delinquencies are not making it easier for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Self Financial 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 information incorrect

Complaint:
This company states that I did business with them in such a way that is false and iI asked them politely to delete the account but they chose not to. They are reporting that they loaned me a specific amount of money and that I secured the loan. And I have stated that I defaulted and or gave late payments ... I suspected this was a fraud company and stopped giving this entity money especially in the middle of a world pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
In early XXXX of this year, I recently applied for the Chase Ink Visa business card account and was declined given the reason : Business too new, '' despite having provided an established and valid EIN and a personal credit report which they obtained from XXXX that indicated a nearly top score. Additionally, they assigned me their own internal risk score of XXXX out of a possible XXXX. All possible indicators demonstrated extremely high credit worthiness. On XX/XX/XXXX, I wrote to Chase regarding this nonsensical decline, providing further evidence of the business 's validity, it's banking account information, secretary of state filings, federal EIN filings and proof of contracted, recurring revenue far above any reasonable threshold for credit issuance. After a few weeks, they reopened the application then closed it in mid-XXXX  with the same boiler-plate response of " business too new. '' I thoroughly reviewed all of their published requirements, terms and conditions prior to applying for this card, and nowhere is there any stipulation of minimum business age. After speaking with a supervisor of the responsible team at CHASE, I was informed of their policies to decline new businesses and that they refuse to publish those policies because they do not want to deter people from applying. It seems highly inappropriate for Chase to have executed a credit inquiry against my SSN for a product that based on their known internal policies was already predetermined to be denied. I requested that they remove the credit inquiry and the supervisor declined. 

This is an absurd and deceptive policy that seems designed to harvest information with zero sincere intent of providing the applied for product. I have zero interest in doing further business with Chase on this matter, at this point I simply want their ridiculous inquiry removed from my credit history. This is a simple request that they have no reasonable cause to deny other than seeming laziness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Synchrony Bank converted the H.H. Gregg store credit card to a Home card where you can purchase furniture and home goods. My payments are not being processed correctly and I continue to pay on small non promotional amount from over two years ago that is not going down even though I am making large payments and they aren't all going to my promotional balances. My payments are disappearing. The bank is shady and will close your accounts if you complain.

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 2019-03-04
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have contacted GLA on numerous occasions via mail and certified mail and they refuse to acknowledge me or any wrong doing. They are reporting to my credit reports a collection for a bill that was never billed to me. I have never received a bill from this provider and given the opportunity to pay. They have illegally obtained my name from this provided and have violated my HIPPA rights. I would like to see my signed signature stating I have released these records to this company to pursue payment. I have disputes through the credit bureaus and they have also refused to remove from my reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a checking account with Bank of America ending in XXXX. I had unauthorized transactions on a debit card in another state. I told them this. First they credited me, then they took my money back via debit. I told them to look at the camera 's in Oklahoma and they would see it was NOT me who withdrew this money. I had made a trip there and lost my debit card before this fraud happened. Bank of America put this account in the negative and then wrote it off. 
I just recently had a serious problem with my roof and my insurance company gave me money to get the roof fixed. I also needed to pay property taxes. I put the money in my saving account ending in XXXX with Bank of America today and they debited {$1800.00} out of my savings account WITHOUT MY PRIOR KNOWLEDGE. Even though the XXXX account was closed and not showing on my site, they still took this money. I called their customer service right away. The agent said I would have to wait 48 hours to find out why they did this. I told her I was NOT waiting and needed to talk to a Supervisor there. I was told that there was no Supervisor available. Then I said I would wait. Finally the agent came back on the line and said they debited the {$1800.00} out of my account and were NOT returning it. I said I have to get my property fixed and pay taxes. They said it was not their problem. I should Never had been liable for fraud on this account. I am a senior on a budget and the agent had the audacity to say, well you have money left in the bank. I said I have to get my roof repaired along with other catastrophic damage. I am sick over this. I want this resolved and I plan to never do business with this bank again. I have put that checking account into a debt consolidation program with my attorney. They can not be paid double.

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 2020-10-23
Company: EQUIFAX, INC.
State: NY
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 tried fixing this problem since XX/XX/2020 the EQUIFAX did not do their job send them many requests and waited months.I had letter from " XXXX XXXX '' showing there are not reporting late payments for XXXX XXXXXXXXi am attaching letter as a proof from " XXXX XXXX '' I hope they fix this Chaos ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Experian Information Solutions Inc.
State: GA
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 sent the credit bureau a dispute letter on XX/XX/2020 and they didn't respond within the 30 days. I sent another letter on XX/XX/2020 asking them to delete the erroneous accounts since they failed to respond in a timely manner. I also sent a complaint through the CFPB and they responded that they have updated, not DELETED. I'm asking them to remove the accounts from my report before we have to take legal actions.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have a Public Record on my credit report for a bankruptcy that dies not belong to me. US BKPT CT TX XXXX XXXX. I contacted the court about this public record and they told me that they do not send anything to the credit bureaus. I then contacted XXXX, they sent me a letter that I attached that they can not find a file record under my name, full social, address and date of birth. I have attached a copy of the letter from XXXX. Please remove this item off my credit report as XXXX  and XXXX  has now removed this from their files as it does not belong to me please.

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 2020-11-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Contacted Experian XX/XX/XXXX and XX/XX/XXXX of this year because of inquiries that were placed on my credit report. 
These were unsolicited items. They items were credit offers that I did not solicit these offers since I current have 9 credit cards with only two having balances. They were added on the report XX/XX/XXXX and XXXX respectfully and XX/XX/XXXX all this year. 

I have no accounts associated with these inquiries as well being reported by Experian on my credit report. 

The following inquiry was to bet a soft inquiry for membership with a credit union XX/XX/2020. The address is actually incorrect as well. Should be XXXX XXXX XXXX XXXX. XXXX, Ca XXXX. Which not only a hard inquiry when it should be a soft inquiry but the reporting of the address is inaccurate which is a violation of the FCRA.

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 2019-10-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
i bought something via hsn in beg XX/XX/2019. i have a receipt that i sent it back to them, sent via usps priority mail, w/ tracking number along with extra ins for delivery. once, you guys give me a ref #, ill ' forward you the receipt at which time tell hsn to contact usps and if they wan na claim not gettingit, have them have usps conduct an investigation and if theydidnt ' get it then usps is responsible for payment not me so stop harassing 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 monetary relief
Consumer complaint received 2020-05-16
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:
I'VE BEEN HAVING ISSUES WITH THE CREDIT BUREAUS CLEARING THESE ACCOUNTS FROM MY CREDIT REPORT DUE TO IDENTITY THEFT.

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