BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-04
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I became aware of the debt when I received a message from the credit bureaus that I subscribe to, XXXX XXXX XXXX XXXX, showing a new derogatory item was placed on my report. I immediately reviewed for accuracy and confirmed this is not my debt. I sent a letter via certified USPS mail to Afni, Inc on XX/XX/2020. I have confirmation of delivery. 
To date I have not received a response as to an explanation of this debt that they claim I owe. 
Today I am mailing yet a second letter as a follow up to my first letter in the event I receive a response or a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a Synchrony Bank card ( Care Credit ) and my payment due date on my account is on the XXXX of each month. I never been late or missed payments on this account and in XXXX, was the first time I made my payment a few days later on XX/XX/18 for {$73.00}, due to a payroll error with my employer. Since I never been late on this account, I was advised by a representative that a late fee would not be added to my account, however, on XX/XX/2018 would be added. In XXXX, due to an oversight, and still recovering from my reduced paycheck for the prior month, I didn't realized that I forgot to make my payment on XX/XX/2018 and on XX/XX/2018 when I logged on to my Synchrony Bank account to make my regular payment, I noticed my minimum due amount being really high, so I contacted Synchrony Bank and was connected with a representative named XXXX, who assisted me in removing the {$38.00} late fee that was already posted on my account on XX/XX/18. My XX/XX/XXXX statement was showing a total due amount of {$170.00} and she advised me to make a payment for {$140.00}, since both my payment and late fee reversal would total {$170.00}. I made the payment of {$140.00} and today when I logged on to my account to verify accuracy on my account after payment and late fee reversal were posted, I noticed that there is still a payment amount requirement in the amount of {$38.00} due on XX/XX/18. I contacted XXXX XXXX again today ( XX/XX/18 XXXX PT ) and asked to speak with a supervisor and was transferred to a male representative who introduced himself as " XXXX ''. I explained the situation and asked him how this situation can be corrected and he was not informative, and just told me that although there was a payment for {$140.00} and an adjustment for {$28.00} on XX/XX/18, I am still required to make the additional payment for {$38.00}. XXXX XXXX was unwilling to research further to give me the correct information and when I told him that information was incorrect and I was going to request assistance from CFPB, he was condescending and told me to go ahead and file a complaint if I wish to do so. I contacted XXXX a second time and was advised that the {$38.00} fee reversal was made for the XXXX payment and the XXXX late fee reversal promised by XXXX on XX/XX/2018 was never reversed. I am requesting assistance from CFPB on this matter, since I had no knowledge on this fee and miscommunication from representatives, and this error can result on a negative entry on my credit reports.

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 2017-08-10
Company: EQUIFAX, INC.
State: AL
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:
There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX and TransUnion credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$79.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX XXXX XXXX XXXX  VA XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2022-04-29
Company: Santander Consumer USA Holdings Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Consumer credit sales 15 u.s Code 1695 a XXXX XXXX Paid XXXX down payment XXXX XXXX Tennessee Santander consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to contact this creditor but they will only accept mail correspondence. When I call numbers reported on my credit reports they are unable to pull my account up and am directed to mail correspondence for their credit customer service department. This account was closed XX/XX/XXXX and XXXX payments were made towards this debt when it was open XX/XX/XXXX and yet they are reporting that payments were made in XXXX. My reports say this debt was sold to DNF Associates and yet the address and contact information takes me to the original creditors site. I have attempted to contact DNF Associates as well as XXXX XXXX to settle this debt without any luck and would like it removed from my credit reports immediately. The debt continues to be validated with the credit bureaus when disputed and yet I am unable to get in contact with them to settle the debt.

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 2020-06-02
Company: EQUIFAX, INC.
State: MA
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 was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted experian and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/20 I was shopping on line for rates to refinance a jumbo mortgage with a 30 year fixed rate. I found that Webster  Bank was advertising a 30 year fixed jumbo mortgage at 3.0 percent, APR 3.012 percent. I am attaching below a screen shot of that advertisement on the Webster Bank website. Over the next two weeks I checked again on line a couple of times and discovered that the same rate was still advertised. 
Today, XX/XX/20, I contacted Webster Bank and a loan officer returned my call. He quoted a 30 year fixed jumbo rate for refinancing a mortgage at 3.25 percent, APR 3.263. The 30 year fixed jumbo rate for a new house purchase was slightly lower but also above 3.0. The loan officer said that there was no 3.0 rate for a 30 year fixed jumbo mortgage and had not been one previously at that rate.

To be fair, when I had the loan officer check Webster Bank 's website, he was extremely concerned about the incorrect advertising and sent a message to his manager. 
However this should never have happened and should be sanctioned and/or monitored. 
I will attach the screen shot below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: ALLY FINANCIAL INC.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for a auto loan through XXXX they referred me to Ally. Upon which Ally used a credit bureau I have no knowledge of to run my credit report called XXXX. This company came back with a low credit score of XXXX, but XXXX  credit score was XXXX. That a big difference between the two scores. I know this is not accurate at all. I know a lot o people will be filing a complaint againt XXXX. I foresee a lawsuit with this company please be sure I will follow suit also. This kind of thing is not acceptable at all. I truly hope you can clear this problem up soon. Thanks for lending a ear.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 non-monetary relief
Consumer complaint received 2017-08-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX/XXXX/XXXX, I was trying to purchase a concert ticket from someone ( XXXX XXXX ) in Maryland, whom I met online. The person said Wal-Mart had a Moneygram service we could use which would not let the receiver pick up the money without receiving a reference number that comes printed on the ticket. Wal-Mart confirmed that this is how the service works. I set up the money transfer for {$200.00} and received Reference Number 1. The same day, I received a call from the person saying that she did not have her ID and needed me to change the name on the Moneygram transfer to her friend 's name, " XXXX XXXX ''. I went back to Wal-Mart and they could not find the transfer based on the Reference Number 1. Apparently the reference number had changed somehow. Wal-Mart could not explain it. The transfer reference number had somehow changed to Reference Number 2. Wal-Mart was able to track down the transfer by calling someone, and said they would put in the new name on the transfer and would provide me a new reference number ( Reference Number 3 ). When I did not receive the ticket in the mail, I went back to Wal-Mart on XXXX/XXXX/XXXX and tried to pick up my refund. Wal-Mart said the money had already been received by XXXX XXXX and that I was not bale to receive a refund. I filed a complaint with Moneygram and they said they could not give me a refund. I believe the Moneygram service is flawed and they should reimburse me my {$200.00}. If people can use the service to scam people without receiving a reference number, then Moneygram should fix the problem or reimburse those who get scammed..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
{$10000.00} from unemployment benefits XXXX stolen. Was held against my will in a store. 
XXXX XXXX XXXX XXXX  XXXX in XXXX NY. 

The cashiers stole my unemployment benefits. My husband helped them the ordeers of protections didn't work he and the cashiers that work thier have a culture in the store against me. 

Police won't help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: NY
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:
In accordance with the Fair Credit Reporting Act, the following accounts below have violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681 602 A which states that I have a right to privacy.

Also, they have violated my rights under The Financial Privacy Act of 1978 and credit denial in violation of 15 USC 1681a ( k ). This entity also violated 15 U.S. Code 1602 ( p ). 

Also violating 18 USC 894. Using my TRADENAME without express written consent in violation of O.C.GA. S 16-9-93.1 Names Reported : XXXXXXXX XXXX and THE US DEPT of EDUCATION have violated my rights and restraint of trade in violation of 15 USC 1 and 15 USC 2. 

Additionally, it clearly states under 15 USC 1681 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent.

15 U.S. Code 1681c ( a ) ( 1 ) Section states ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act. 15 U.S. Code 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report contain any of the following lems 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. Code 1681s-2 ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: OpenRoad Lending
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:
Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask Openroad Lending ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with Openroad Lending is still currently reporting on my XXXX  credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: NV
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to all 3 credit bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2020 via USPS certified mail. Unfortunately, as of today I have not received any response from XXXX, XXXX or Equifax. 
I know that Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a full re-investigation within 30-45 days. 
On top of the stress that COVID-19 has caused me personally, I am truly distressed about my credit and the lack of assistance that the credit bureaus are offering. 
I would like to know the following information : 1. Did XXXX, XXXX and Equifax receive my reinvestigation request/dispute letters on the date provided by USPS? 
2. If so, why have I not heard back from them? 
3. If my dispute was not received, then who has all of my account information and copies of my personal documents that was sent certified to the credit bureau?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/2020 I tried to create an account for myequifax.com to get a free credit report. It said I already had one and took me a page to login in, tried to log in and email/password did not match. Clicked forgot password and says I do not have an account and to create one. I tried to create one again, same thing stating I already had one and to login. Did forgot password again and said I do not have an account. This was all from my phone XX/XX/2020 I thought I would try from my laptop. Same thing as before. Tried to register you have already have an account, login, forgot password, no account found. 

I called equifax to see what was going on. I was on the phone for 45 minutes with her. Told her what was going on, she asked for my info, said I don't have an account and needed to register. So I tried again same thing as before. Did forgot password and nothing. Cleared browser history. We did this multiple times. She keep on saying you don't have an account, I was telling her it is saying you have an account. I asked for a manager or a different person she said they can't help me. I probably asked three times. We got no where, no free report, never was able to login. She did file a dispute for me, but I asked if I don't have an account, how can she file one? She said because she sees me in the system. That doesn't make sense to me A company should not be able have this much power in my finances when they can't have live effective help. Especially after they shared 100s of millions people information that lead to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I submitted DC police report XXXX showing fraud and credit reporting agency continues to report XXXX XXXX XXXX  reporting negative reporting on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I am writing to file a formal complaint regarding fraudulent inquiries that are persistently being reported on my credit report by XXXX. Despite my repeated efforts to resolve this issue, the false information has not been rectified, causing significant frustration and hindering my approval odds for various financial matters. I kindly request the intervention and assistance of the Consumer Financial Protection Bureau ( CFPB ) in investigating and resolving this matter promptly. 

I have diligently followed the proper channels by contacting both the lenders, XXXX and Transunion to remove the fraudulent inquiries. However, despite providing supporting documentation and clearly outlining the fraudulent nature of these inquiries, XXXX and TransUnion has failed to take appropriate action. This has resulted in continued harm to my credit profile, impeding my financial opportunities and causing unnecessary distress. 

I urge the CFPB to conduct a thorough review of my case and exert its authority to ensure that XXXX and Transunion rectifies this situation immediately. The fraudulent inquiries should be promptly removed from my credit report to restore its accuracy and prevent further damage to my creditworthiness.

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