BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-15
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I hired Lexington law to remove 2 late payments from XXXX XXXX XXXX off my credit report I was promised that it could be removed and they never were able to remove them from my report I had payed for over a years worth of payments towards the removal with no results from what was initially promised

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached two accounts that are reporting incorrect information on my credit bureaus, per the FCRA they have to report accurate information which they are not. Please delete these two accounts from my credit bureau.

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 2018-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 2019-06-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX, Vice President, Head of Customer Relations XXXX XXXX, Senior Vice President, Head of Customer Experience This is in reply to a XX/XX/XXXX letter from XXXX XXXX XXXX, HSBC Vice President, Head of Customer Relations. I have attached a copy of that letter. 

1. The letter stated that the Share the Experience Bonus of {$100.00} was already credited to my account. This is incorrect. The {$100.00} promotional bonus posted on XXXX XXXX, XXXX to my account was, in fact, for a second referral, XXXX XXXX, and she likewise got her bonus already. I have verified this with XXXX XXXX from the HSBC XXXX Branch. 

2. The subject of my complaint has always been the first referral bonus. Contrary to your letter, the referral bonus for the account belonging to XXXX XXXX which was opened on XX/XX/XXXX, has never been paid and is way overdue ( promised within 8 weeks XX/XX/XXXX then ). You have yet to honor the terms of the XXXX promotion. 

3. The above letter stated that within 4 weeks ( by XX/XX/XXXX then ) a credit of {$250.00} will be posted to XXXX XXXX account. To this date, no credit has been posted. 

4. In your letter you included two telephone numbers where Customer Relations ( XXXX XXXX ) could be reached but nobody answers that phone and although the message states that somebody will call back by the end of the next business day, NOBODY calls back. I have called those numbers numerous times, leaving a message at all times but I was never called back. 

5. Also, I have sent emails to the email address you provided in your letter and again NO REPLY. 

I am beyond frustrated dealing with HSBC regarding this matter. Your prompt resolution of this matter is immensely lacking on your part. It has been one promised resolution date after another.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank. I have several store cards. I have zero negative accounts on my credit and only two late fees reflecting on my credit in the past two years. Synchrony Bank has decreased almost ALL of my credit limits ... causing my credit score to significantly drop. The reason Synchrony  gives me is that there are negative items or late payments on my XXXX ... which is completely not true! I have zero negative accounts and only two late payments in two years. I feel Synchrony is doing the same thing to a lot of customers  in my research. I have tried to rectify this situation with Synchrony Bank and have been unable too do so.

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 2017-06-23
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Company has contacted me multiple times and I have asked them to provide documentation for the debt they are attempting to collect. They have sent me letters with payment options too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Ive been trying to get access to my XXXX that Ive deposited a few months ago and citizens bank refuses to release the money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have a closed account with XXXX XXXX XXXX for a auto loan taken out in 2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ 8000+ due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.

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 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was scammed into thinking I was paying for equipment and software as well as a supervisor to teach me. I sent money via XXXX connected to my Bank of America. These are the dates and amounts XXXX {$270.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$100.00}, XX/XX/XXXX - {$900.00}, XXXX {$300.00}, XXXX - {$200.00}, XXXX - {$100.00}, XXXX {$390.00} My bank is unable to return this money because once it is sent it is immediately funded to their account. The money was sent to XXXX, XXXX, XXXX, and XXXX. You will see those names in the attached files.

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 2017-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
In XXXX of XXXX, I was considering applying for a HELOC through my BofA. I spoke to an agent and discussed some options - HELOC vs a refi wth cash out. He stated he needed to verify my information before he could submit an application. He asked about my income and expenses and marital status (?? ), then he explained there is not enough equity in my home to do a refi - I owed XXXX, then it was worth XXXX, then he said I did not have enough equity in the home to do a HELOC. I kinda got the impression he was racially profiling me as a XXXX XXXX XXXX XXXX I earn about XXXX annually and have good credit. He said he would double check and call me back. I never heard anything else from XXXX or BofA. In XXXX XXXX I remodeled my kitchen and decided to try to apply for a HELOC, When I pulled my credit report, I saw the hard inquiry from XXXX. I never authorized credit inquiry, never started an application and the agent I spoke to never submitted XXXX or even called me back. I have tried to have this inquiry removed because I did not authorize 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 2018-04-18
Company: National Recoveries, Inc.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My student loan is in default. I attempted to remedy this inXX/XX/XXXX, but no one could tell me who was servicing my loan So I did not know where to send the information or who to contact to correct the errors in the amount owed, when money was dispersed and withdraw dates. The amount attempted to be collected is grossly inflated, forbearance dates were not taken into consideration, and early withdraw ( 4 weeks from start ) is not reported either.

I have NEVER received notice, statements, or intent to garnish taxes however, my taxes were garnished on XX/XX/XXXX in the amount of {$3100.00}. National Student Loan database shows this debt to be with XXXX XXXX XXXX however upon callingXX/XX/XXXX I was advised it is being held with National Recoveries. I do not have an account number, a breakdown of how the total debt due became so grossly inflated, nor was I given the opportunity to remedy before garnishment.

The garnishment has already taken place (XX/XX/XXXX) and I still have not received any form of notification as of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sequium Asset Solutions , LLC has harassed me by phone, mail and continued after XXXX advised them that I did not owe XXXX any money.XXXX XXXX of XXXX @ XXXX has advised them ( see attached ) and they continue to write and harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have disputed the information being reported on my credit file with Equifax numerous times. The most recent dispute conformation number XXXX I have attached the documentation from the company saying that the account was not late as well as the payment history but they wont remove it. They updated the information to say it is pays as agree but will not correct the historical legend reporting. I recently submitted a new dispute the confirmation number is XXXX on XX/XX/18 I spoke with XXXX XXXX she gave me XXXX and told me to call back. 

They keep giving me the run around. I have disputed this too many times and have given them the information they need but it seems they won't remove it because they keep saying they can't remove it even though they have the documentation and the letter saying it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Byrider Franchising, LLC
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:
XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX   XXXX XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX/ XXXX   TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be  advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
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: Old information reappears or never goes away

Complaint:
I have a closed account with XXXX XXXX XXXX for a auto loan taken out in XX/XX/2012. I had 1 missed payment and voluntarily returned the car. My report still shows current but is reporting up to 24 missed payments totaling $ 8000+ due now. I believe this debt is a charge off but is reporting monthly to damage my credit history and by therefore keeping me at a higher interest rate. Please help me correct this intentional injustice.

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 2018-10-26
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Reason : Company broke arbitration clause in the contract and sold vehicle without proper notification. Company placed charge off on credit report before vehicle sale was complete.

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 2018-10-26
Company: PENTAGON FEDERAL CREDIT UNION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have contacted them numerous times. I have emailed all documentation. Nobody responds or has contacted me. Meanwhile fraudulent account is opened under my name and ssn and nobody has done anything to help 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 non-monetary relief
Consumer complaint received 2021-02-11
Company: XOOM CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used to Xoom to transfer money from my XXXX XXXXXXXX account to my XXXX XXXX account on XX/XX/XXXX XXXX GMT - In XXXX minutes time it will be the XXXX XXXX and I have still not received my funds ( XXXX GBP ) it says " on track '' and still being transfered to " our partner '' - My transaction ID is XXXX - What makes this even worse is after doing research everyone is having the same problem using XXXX and this was happening before I even signed up! Yet they still took my payment and did not make anyone aware of problems until yesterday ( systems were being upgraded ) This is totally unacceptable and my transfer should never have been accepted during a period when no transfers are being completed. 4 Days is a ridiculous timeframe to wait for an " instant transfer '' Please sort this out ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Hello. This complaint is a result of a previous complaint XXXX. The complaint was answered but not satisfied. In this complaint i sent evidence of a cashed check by the bank for XXXX. The bank did in fact cash this check as was previously shown. The bank complained that I did not sure the money. First, there was no explanation on the letter that the money had to be wired. Second, when I made the payment at the bank i showed them this letter. They accepted payment and did not tell me to wire the money. They are the bankers and I expect them to know their banks policies. So, to continue, wells Fargo bank did answer my previous complaint. They did not state that they applied the check they cashed to my account. I have not heard anything about a lean release, reimbursement for forced insurance etc ... I want to know what the check for the account that they cashed. When did i get the lean release etc .... I have called them but I do not get a straight answer. Also. Wells Fargo previously stated that they could not contact me.. Not true, I spoke to them several times when this started and they were just evasive. The last person I spoke to would not give me an answer concerning the title. Thank you

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 2019-06-16
Company: Santander Consumer USA Holdings Inc.
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Notice to principal is notice to agent and notice to agent is notice to principal. This dispute is being executed on Santander as they have breached the contract without cause, citing their inability to verify XXXX XXXX Social Security Number. Santander verified XXXX XXXX 's Social Security Number at the signing of the contract and credit approval however they alledge that they are now unable to verify the Social Security Number and they want the vehicle returned which would breach the contract. 
I put {$1000.00} down and signed contract and pulled off with vehicle on XX/XX/2019 I even spoke with finance company a few days later confirming everything finance company is Santander and place I purchased car is XXXX   XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I submitted valid Identity Theft # XXXX reports back in XXXX. I also submitted letters expressing my issues with the fraudulent accounts. I contacted the creditors and they were unable to validate these accounts. I am requesting validation of these accounts under the FCRA. I requested my signatures from the creditors and they have failed to produce signed documentation. I went to the NJ Police department filed a complaint. I contacted each credit bureau and they have not removed the fraudulent items.

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