BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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 applied for an account at XXXX XXXX XXXX today XX/XX/2020 and when they ran my credit, I was told that I didn't qualify to open an account with them because of two accounts reflecting badly on my credit report. The names of the accounts are XXXX/XXXX  and XXXX XXXX XXXX XXXX. Neither of these accounts belongs to me and I did not give anyone permission to open these accounts with my personal information. I did not benefit anything from these accounts such as money, goods, services or any other type of benefit and I did not make any transactions or payments towards these accounts. I already got in contact with both companies and filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Block, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I filed a dispute through cash app for a restaurant in XXXX NC XXXX XXXX. Due to a wrongful charge on my account. Although it says in the screenshots i filed the dispute for the total amount. I only requested a refund for XXXX dollars and some change give its take. When filing a dispute they ask you how much and thats what i put in. I never received a food item at the restaurant plus the tip I gave The waiter. Before leaving the restaurant I was assured Id be given a refund and didnt get one. The waiter disappeared and was not seen. I filed a dispute with the company and called the restaurant to let them know that I didnt get my refund and of my request. This all happened in the same day. A refund was given immediately and corporate followed up days later with a refund and gift card as well. No I did not notify cash app of the refund because I assumed someone would contact me. Like it said they would when I filed the dispute. I woke up this morning to my card being deactivated, XX/XX/2023 with cash app claiming my claim was false or fraudulent. However nothing was false or fraudulent and no one ever followed up with me. I assumed They would see I was given a refund and close the dispute. In no way shape or form was I trying to get over on anyone or file a false claim. I got What I needed from XXXX XXXX and I am content.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Synchrony Bank defaulted my CareCredit account using unfair and deceptive practices by failing to deliver billing statements, failing to notify me of an issue, and not providing any notice of late payments or account delinquency. In speaking with Synchrony Bank, they claimed my initial statement was returned to sender. I have verified with them that they have had my correct address on file the entire time. They made no attempt to contact me via mail, email, or phone to resolve the issue or confirm my correct address. CareCredit also made no attempt to contact me about issues with my address or account. My account was then sent to collection with XXXX XXXX  without notification. XXXX XXXX  was able to send me the debt collection notice to the address Synchrony Bank and CareCredit had on file. I have not received one statement, late payment notice, or account delinquency notice from Synchrony Bank or CareCredit. This account delinquency has had a major negative impact on my credit score. The account I was very willing to pay, is now in debt collection because of Synchrony Bank 's and CareCredit 's 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 monetary relief
Consumer complaint received 2023-02-28
Company: ROBINHOOD MARKETS INC.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Robinhood transfered unauthorized XXXX from my XXXX XXXX  account in 2021, even aftrr trying to reach out to them they did not resolve our issue XXXX XXXX  did not do proper investigation in our claim and did not credit monet back to our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed the debt with all three credit reporting bureaus. My request was to verify and validate or delete. Equifax is reporting the debt as verified and accurate while XXXX  was not able to verify or validate the debt and has informed me that the debt will be deleted. I would like for Equifax to provide proof of verification and validation or delete the debt if neither can be provided just as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Experian Information Solutions 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:
I wanted to reach out because I was turned down when i applied for a credit card. I see there are some things on my credit that is not mine and needs to be deleted XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX, XXXX, XXXX, XXXX XXXX XXXX   AND XXXX XXXXXXXX. I have contacted the FTC and local police.

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 2020-03-06
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX, I called into Wells Fargo to make an additional principal payment of {$20000.00} on my small business loan. I saw the {$20000.00} principal payment leave my external account and didn't think anything of it. I have made similar principal payments from this account several times before. 

On XX/XX/XXXX, I reviewed my loan statement and noticed the {$20000.00} principal payment was not. I called into Wells Fargo to let them know and gave them more details of the missing payment ( external bank account details, transaction details, etc. ) They had told me that this was applied to the incorrect loan number internally and they would put a rush to resolve the issue due to the time that has passed and high dollar value. They had told me that they submitted a research request and get back to me in a few days. 

On XX/XX/XXXX, I called into Wells Fargo and spoke with someone about the missing payment. After looking into the issue, I was told that there was a research request in but no one had taken action as the request was not clear. After explaining the issue again, they verified that the {$20000.00} payment was applied to the wrong loan. They also said that they would send an updated research request form that would hopefully resolve the issue. When I mentioned that I would like to log a complaint, I was disconnected. 

I do not know where my {$20000.00} went, if I will ever see that money, or how to log a complaint with Wells Fargo. I have lost enough sleep over this and just want this to be resolved.

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 2020-03-06
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I borrowed XXXX dollars from Navient in XX/XX/XXXX, it was a private student loan. It was repaid faithfully for 2 years but never went down, it only grew. I couldn't afford the payment any longer and they were not giving me any relief opportunities. I defaulted, now to this day well over ten years later they are still reporting on my credit report, stating I owe over 10,000 dollars. They go from account closed to account open, they change dates regularly, they have posted that i made a payment when i didn't, all so they can keep it on my credit report. My son was XXXX  in XXXX of XXXX, and I received a notice that I had made a payment on the day we XXXX  him! Their acts are fraudulent! They have tried to sue myself and my co signer, they do not head to the cease and desist. I don't understand why the credit bureaus allow them to keep submitting when they are so old of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I purchased a XXXX XXXX XXXX, through Santander Consumer USA In XXXX it was in an accident which was a total loss, my Insurance paid their portion and there was a balance left which I had Gap insurance to cover the rest of balance.But Santander Consumer USA didnt file a claim and they put a charge off on my credit report and will take it off I have talked to them over and over about it and Ive deputed it They also sold the account to XXXX XXXX XXXX which they gave a settlement to pay it off, But Santander still have it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting 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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681XXXX the late payment information is incorrect and is causing hardship Account type : credit card Account name : XXXX  XXXX XXXX Account XXXX : XXXX  XXXX XXXX XXXX XXXX XXXX Account type : Credit Card Account name : XXXX XXXX XXXX  XXXX XXXX Account number : account ending XXXX. Has Violated my rights. and this Company wouldn't accept or post my payments.

15 U.S.C. 1681 SECTION 602A States I have a right to privacy 15 U.S.C. 1681 SECTION 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of Information, Any other Adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer Reporting Agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are stopping me from getting new credit cards, financing an Auto and purchasing a home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: MO
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, I contacted Pennymac on XX/XX/XXXX, to request the removal of our escrow account. Unfortunately, my request got denied via email on XX/XX/XXXX. When I called Pennymac on XX/XX/XXXX, to inquire about the denial, a representative informed me that the LTV was 71 % when it should have been 70 %. 

I asked the representative about the value used, and they informed me that an appraisal from XX/XX/XXXX was used, which showed the value at approximately {$600000.00}. However, I informed them that we had recently had our home appraised by a licensed professional, and it was valued at {$980000.00} due to some major upgrades we had done in the past few years and other outside influences of the market. I emailed them a copy of the new appraisal the same day. 

Despite this, I received another denial for the removal of escrow on XX/XX/XXXX, citing the exact reason for the minimum current and original loan-to-value ratio needing to be met. When I called Pennymac again, the representative informed me that they didn't know why Pennymac was still using the old value, as the denial letter mentioned the minimum current value. The representative couldn't provide me with the minimum present value used, as they didn't use any current value ; they only based their decision on the original value from XXXX. And when I asked her what can be done to help me she just hung up on me and never called me back. 

I have attached copies of both denial letters for your reference and a current copy of the appraisal that I submitted to Pennymac but refused to review. 

I am contacting the CFPB, hoping they can assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX, i filed an online dispute for a late payment against the credit card company XXXX XXXX XXXX. Not only did Experian fail to properly investigate the late payment, but they also failed to properly notify the company of the reason of the dispute. XXXX XXXX XXXX  is inaccurately report on my credit report wrong information. Experian failed to do an proper investigation which usually takes 30-45 days. My results were updated but Experian failed to tell me what exactly was update lack of information on their part in a dispute that should have fixed a blatant error.

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 2020-03-06
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We fell behind in our payments a while back because our income had been reduced, due to the vacancy of the first floor that we rent out, hereby losing some rental income, and also I was sick for a few months and could not do much work.

We applied for a modification and discovered a few days ago that we have been denied. The reasons stated were misleading, lies and misrepresentions of the facts. One reason is that we earn over {$10000.00} monthly, THAT IS A LIE! OUR TOTAL GROSS INCOME IS {$6900.00} monthly! They deliberately misrepresented my income from my XXXX  business, saying I earn more than I do, because they choose to not factor in my operating expenses. They used my gross RECEIPTS as gross income and thats incorrect. If I do not pay my XXXX  XXXX  payment, XXXX  insurance, maintain the XXXX, or purchase XXXX   for the XXXX, how can I earn money???? So then, how are they going to ignore the operating expenses of my business and count it as gross income! Gross Income is what Im left with after my operating expenses!

Also, the denial letter said we did not show proof we had a down payment of {$25000.00} on the modification. First of all, they had NEVER asked if we could show proof of {$25000.00}. The denial letter was the FIRST time we heard about that. How can they deny us for not providing something they never asked us to provide? Also, why are we asked to put a down payment of such a high amount???

We feel the bank is making it very difficult for us because they realize that we owe less than thr value of the house and they REALLY want to take the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 XXXX XXXX XXXX  violated FDCPA practices by attempting to collect a debt that is not only not mine, failed to prove is mine, the statute of limitations on this debt has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 writing to express my disappointment regarding your recent claims concerning my accounts. I firmly reject these claims based on the fact that you lack substantial material evidence to support your assertions. As a result, I strongly urge you to promptly commence a comprehensive investigation into these matters. 

Your recent claims have cast a significant shadow over my financial standing and hold the potential to cause severe harm to my creditworthiness. It is of utmost importance that we address this situation swiftly and accurately to prevent further repercussions. 

Furthermore, I want to emphasize my strong rejection of your decision to decline my identity theft claim. The authority to determine whether I have been a victim of identity theft does not reside with your organization but with established legal processes. Your authority or legal standing does not grant you the right to make such a determination on my behalf. 

If you persist in declining my position, I am prepared to take legal action by contacting my attorney to seek a legal remedy. I implore you to ensure that my identity theft claim is processed in strict accordance with the law. 

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 2022-11-09
Company: EQUIFAX, INC.
State: PA
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: EQUIFAX, 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 was looking at my credit using XXXX XXXX and I noticed a few accounts and inquiries that I did not recognize. This made me wonder who could have used my credit so I asked my family and they all said no. I immediately contacted the bureaus and placed a fraud alert on my credit report. 

Reporting on Equifax XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX  on XX/XX/XXXX Reporting on XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Reporting on XXXX XXXX XXXX XXXX  with account number XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I have been told by each bureau that the accounts and inquiries will be removed. However no change has been made and this is starting to effect my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-15
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX, XXXX XXXX XXXX, US DEPT ED XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-15
Company: Tate and Kirlin Assoc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Keep getting text messages from Tate & Kirlin Associate that I owe money. 
To vist XXXX They text me from XXXX Replied STOP but they still send texts

Company response to consumer: Closed with explanation