BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-13
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
I ran my credit report via XXXX XXXX  on XX/XX/XXXX. On XXXX report there was a hard inquiry from SYNCB/JCP which apparently occurred on XX/XX/XXXX .I called the phone number listed on the inquiry and spoke to a rep which ran my social and said there was no inquiry made they had no information pertaining to me. I then called XXXX and was told they could only remove the information from my report if I submit a deletion letter from the company who made the inquiry I told them SYNCB/JCP said they have no info on the inquiry in question then was told to have them mail me a letter stating they have no information or account with my information. I called back to SYNCB/JCP   and was told since there is no information they can not send me anything in regards to the inquiry however the rep I spoke with said she can guarantee there is no account and no inquiry with my information I said well if you guarantee it I will be needing a letter stating that so I can remove this from my credit report. I was told again no letter can be giving being there is no account info or inquiry on file. All I want is for this inquiry to be removed from my credit 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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 I submitted the following complaint to CFPB : " On XX/XX/XXXX, I contacted Transunion to resolve unauthorized inquiries on my credit report. I called and asked to speak with a US representative. I was on the phone for over an hour getting hung up on and transferred to multiple departments. I recently pulled my annual credit report and noticed many inquiries that were removed had been slowly added again. They were added during the data breaches of XX/XX/XXXX and XX/XX/XXXX. They were later removed, but have since been reinserted. I was told that it was not possible to remove them. I did NOT receive a written 5 day notice informing me about the breach or transunion reinserting the inquiries. This is a violation of the FCRA. Transunion may not continue to violate my rights. 
Please remove the inquiries that were added back. I have included a list of inquiries that should be removed. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Pleas do not reinsert these. Thank you. '' The company ( Transunion ) responded via mail and stated that they would not be removing the inquiries. According to the FCRA, these inquiries NEED TO BE REMOVED WITHIN 30 DAYS. Transunion is violating my rights and this will not be tolerated any longer. Please remove the inquiries and send my new report to the address that you have one 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 2019-08-29
Company: EQUIFAX, 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 status incorrect

Complaint:
The Credit Agencies is inaccurately reporting that the Dept of Education/XXXX account was late. I have been in XXXX payment status for several years on my IDRP with the Dept of Education. Please assist me in removing the late payments in from my credit file. There are 7 Department of Education/XXXX accounts inaccurately reporting that I  was 90 days late in XXXX and in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX  from Portfolio Recovery contacted my cell phone. My spouse answered the phone and identified himself and asked whom he was speaking with and Miss XXXX tried to end the call after asking for me and being told I was not available. My husband pressed to find out who was calling and why. After being ID 'd she immediately went into FDCPA and SOL statement before identifying the company.

After interrupting, and being told she would not give the account ID or her supervisor an offer to settle or cease to call the cell phone was given. She stated she would not honor a verbal cease and desist on a cell number ( that was not authorized to be called ) and that it needed to be in writing.

Her supervisor took over the call, XXXX XXXX, and did a good job of diffusing the situation. We were unable to resolve the debt, the verbal C & D was noted, but still told had to be in writing ( on a cell # not authorized to call ).

Rude, unprofessional, wrong on not honoring C & D.

An email communication was sent on the Portfolio Recovery website for the written C & D.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12
Company: Ditech Financial LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We send our our mortgage payment plus an extra {$500.00} every month ever since we have had our loan with Ditech. They have miss applied our payments for a couple of years now. They have called us making threats that our mortgage is not being paid they keep adding it to a funds in suspense account. They keep charging us a late fee. Our mortgage balance keeps going up instead of down even though we are paying an additional {$500.00} that needs to be applied to the principal. We have made several calls and nothing is resolved. They keep telling us that a supervisor will call us back or that the department that fixes the mistakes will call us back and nothing. 

We need to get this fixed immediately. We have proof that our bank has been sending our payments every single month on time. Sometimes they take up to 2 weeks to apply our payment after they receive it. 

Please help we have no idea what else to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Diversified Consultants, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor. 
I never received correspondence to dispute the validity of this debt. PLEASE HELP REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: JPMORGAN CHASE & CO.
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
JPMorgan Chase refuses to offer refunds for access to funds. I transferred money from my savings account and they charged {$5.00}. Reg D was removed in 2020, so this fee structure is now predatory. I understand the fee is small in size, but the fact that theyre charging fees for access to money is uncalled for and with no warning. Their response was that they would not be able to help and would no longer respond after two messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I placed an order with XXXX XXXX costing {$10.00}. Upon submitting the order I noticed the incorrect address was used ; an address I havent vacated in years. Before the order was processed I spoke with four different representatives from XXXX XXXX who ultimately did not cancel the order even though it had not been processed or fulfilled. Before the order shipped I spoke to an additional three people who said there was nothing they could do which is utterly ridiculous. They advised me to dispute the order with PayPal which is ludicrous. Now the order has arrived at a location states away with new residents. I have no way of receiving the package and the XXXX XXXX is saying nothing can be done since the package was delivered even though I warned them weeks beforehand. I am extremely frustrated and upset I feel scammed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-07
Company: Nelnet, 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 status incorrect

Complaint:
In XX/XX/XXXX, I asked NELNET to consolidate my student loans into one loan to facilitate my payments and account monitoring. They started the consolidation process immediately and advised me to not post any payment to any of the loans during that process so that the final number will be accurate. It took them 3 months to complete the consolidation. In early XX/XX/XXXX i was informed that the loans were consolidated into a single loan that I start paying as agreed and which is current to this date. To my surprise, NELNET sent to the credits bureau in the same month of XX/XX/XXXX that iI was 90 late on two of the account they consolidated. I had five loans and did not make a single payment to any of the loans during the consolidation as i was advised to do, I do not understand why they reported the accounts late nor why only two of the five accounts. As consequence to their reporting of two account 90 days late, my credit score plummeted from low XXXX XXXX to low XXXX on all 3 credit bureaus. I went back and forth with NELNET the whole year XXXX and was not successful having that error corrected. I XX/XX/XXXX, I refinance the loan with XXXX XXXX and was told by NELNET that the new servicer will not report the late payment. Despite showing NELNET accounts closed on my credit report, the two 90 days late payment are still showing on my credit report, keeping my credit score low and more importantly preventing me from having access to any type of loan. Due to the COVID-19 pandemic, my income decreased and I wanted to move my family to a cheaper house but I am unable to secure a lease nor a mortgage with that negative mark on my credit. 
I will also mention that those two late payment are the only ones reported on my credit. I have always managed to maintain my payment current. 
I need help to have NELNET corrects the error on my credit report. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Prestige Financial continued to report false information on my credit files without validation and verification as requested. I continued to request for verification and validation but to know avail. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Westlake Services, LLC
State: MD
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: Billing dispute for services

Complaint:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX  XXXX XXXX, NY XXXX. The vehicle turned out to be a lemon. It completely shut down on me after only a month and a half of use. The vehicle was returned to XXXX XXXX  XXXX XXXX XXXX lot, where it was repossessed and sold in auction. The loan is now on my credit report and is having a negative affect on my score. It is my belief that under NYS Lemon Law i should not be liable for this loan especially since the company repossessed and resold the vehicle.

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 2018-04-13
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX a fraud claim was resolved in my favor. 

However, US Bank did not handle the claim properly. There was multiple transactions for this hotel between XX/XX/XXXX and XX/XX/XXXX that were not added to the claim. 

I called US Bank on XX/XX/XXXX to add these transactions to the claim. Since that date, US Bank has been unable to issue provisional credit on my account because there is a debit/credit block. 

I have called every manager to no avail. Noone has been able to lift the hold on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-03
Company: Experian Information Solutions Inc.
State: SC
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:
To whom it may concern : My name is XXXX XXXX XXXX. I mailed off a copy of my ID and SSN Card for several Accounts that were open in my name FRAUDULENTLY to all three credit bureaus. None were removed. 

My FTC number is XXXX My XXXX XXXX numbers are XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX The accounts are listed as follows : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX REC XXXX XXXX XXXX Original Creditor : XXXX XXXXT ) XXXX Hard Inquires XXXX - XX/XX/2020 XXXX  XXXX XXXX XXXX XXXXXXXX XX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX  XX/XX/2020 Experian XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXs XX/XX/2020 Experian XXXX  XXXX Miscellaneous XX/XX/2020 XXXX If these fraudulent accounts are not removed in 14 days. I WILL be taking the steps to seek monetary damages in small claims court.

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 2019-02-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please see attached fraudulent personal information that I am disputing on my credit report. I have received several notices regarding security breaches that I believe are responsible for this activity on my credit report. I am requesting for all three credit bureaus to remove this inaccurate information from my credit 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 2020-06-19
Company: American First Finance, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This company is a scam. I purchased furniture in XXXX. Paid it off in 101 days. They removed my contract off XXXX so I couldnt access it. This company also keep stealing my credit info off of a visa website. This company also charge my XXXX XXXX  account with a name that dont even exists or related to the companys name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The number ( XXXX ) XXXX and other variations of this number have been calling my mobile phone and my job for several months now. They would call my work number first, and then hang up without saying anything. Then a few minutes later, the same number would call my mobile number. I have blocked several numbers with the XXXX area code from my mobile because I know this company continuing to call me from different variations of their business numbers. Today, someone called my work number and wanted to verify my date of birth and did n't even tell me the name of the company. I asked what was this dealing with, and was told that it something to do with " my business ''. I ended the call because I was not going give my personal information. I then called the number back and the name of the company is XXXX XXXX XXXX. I stayed on the line to see why they were calling me. The woman on the line stated that she was a Manager, and that she needed to verify my employment and date of birth. I told her that I do n't give out my personal information. She stated that the company she was representing was XXXX, and that I had an account with them in 2014 and was making payments on the account. I told her that I do n't recall an account with XXXX, but that I had some fraud issues going on with a family member. She stated that if it was fraud or identity theft, the perpetrator would " hit and move ''. I again told her that my issues was with a family member, and that I did n't have an account with XXXX. I asked why was n't any letters sent out, and she stated that several letters had been mailed to me. I did n't get any letters. She stated that my information needed to be verified, so the company ( XXXX ) she represents will continue to decide on what actions needed to be taken on the account. I told her that I was n't going to verify any of my personal information, and I ended the call.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: CAINE & WEINER COMPANY, INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Progressive sent over a debt to collection for {$420.00}. I called them to let them know that the amount was wrong as well as the debt collector and even disputed it because the amount was incorrect with bureaus. Progressive reached back out and sent an email with the new balance of {$190.00}. Today the amount was back updated to {$420.00} on each bureau which is not correct and I have the email from progressive stating so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Loan was recently sold to PennyMac. I am noticing the payments I send to my account aren't being credited but instead held in escrow. Also since they purchased my loan I have racked up roughly 200 dollars in fees. Namely, property inspection fees for a total of {$180.00} since receiving my loan from XXXX XXXX. The fees are {$75.00} date XX/XX/XXXX/19 another {$75.00} fee on the same date XXXX/XXXX/19 for " property preservation ''. I also see fees of {$15.00} on XX/XX/XXXX/2019 for " property inspection fees '' and another fee on XX/XX/XXXX/19 for " property inspection fees ''. I have sent enough payments to bring my loan current but seems they are not crediting me but instead holding the money in escrow. I am not sure why. I have read a lot of complaints and also I have personally experienced horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from Equifax stating that i requested an initial fraud alert on my credit file. I never did no such thing. Tried to get in touch with Equifax & its impossible to talk to someone. They say this fraud alert will stay on my file for 90 days & they notified XXXX  & XXXX also. I never requested this & i want it removed immediately. Please help

Company response to consumer: Closed with explanation