BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: Bread Financial Holdings, Inc.
State: TX
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 was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-17
Company: LDF Holdings, LLC
State: IN
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Illegal interest rate being charged/collected. Bulk of original pricipal paid before being send to collections. 

At collections at XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Original creditor acct - XXXX XXXX XXXX Acct - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from XXXX credit reporting agency that my credit score was decreased by 46 points because of a negative entry submitted by Radius Global Solution for {$100.00}, I called Radius Global and asked them to verify the debt over the phone and in writing because I did not even know what the debt was for. The phone agent transferred me to an alleged supervisor. The supervisor, when attempting to verify my contact information, told me my address, which was not even correct. I was told By the supervisor I would receive an email verifying the debt. To date, I have not received any email. This company submitted a negative entry to my credit report without giving me an opportunity to even see the debt or pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
According to Rushmore Loan Management Services my Escrow Insurance Account has a shortage in the amount of {$840.00}. 

This discrepancy has been an ongoing/unresolved issue within their Escrow Department. All documentation has been provided by my Homeowner Insurance Company, XXXX showing my account in GOOD STANDING! 

Rushmore Loan Management Services, issued what appears to be a double payment. StateFarm shows ONE check cashed and the overpayment sent back to Rushmore Loan Management, to be put back into MY ESCROW ACCOUNT! 

I have attached all correspondence since XX/XX/2022, the paperwork I was forced to agree to spread out the SUPPOSED Escrow shortage, until they figure out what is clear as day! 

Please see all attachments! Once again, please note just how incompetent this Loan Management Service is!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my 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 explanation
Consumer complaint received 2020-09-24
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage loan with LoanCare A Service Link Company on XX/XX/2020, I was granted a forbearance on my loan until XX/XX/2020, due the COVID-19 effects on my employment. The forbearance was approved and I received an approval letter. 
On XX/XX/2020, I started receiving automated calls from LoanCare, asking me to contact their toll free number reference my mortgage loan. I called the number to only have an automated system, that cuts me off and does not allow me to speak with a live person. On the one occasion I was able to reach someone he said my account was with collection department and he would transferred me to that department upon the transfer, I was again put back in the loop of the automatic system. I have emailed them, sent a letter and sent a message through my loan account, however no response just a automated telephone call every day. I do not want this company to start a process of foreclosure, because they are not communicating with each other. I am filing this complaint, because maybe someone can look into 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 2018-10-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase Credit services, closed my account with no objective reason. I have not had a late payment with them. Always followed all the rules. Ive been a Chase customer for more than 5 years. I received a letter stating that they are closing ALL my account with fictitious reason ( to many other accounts with different institutions opened ) I dont think Chase can discriminate in such a way agains customers using other services except their banking services. Ive written to their execute office multiple times and did several calls. The so called executive sovereign department is like a unreachable institution for the regular chase customer. They take your request through a phone service and then you wait and wait for their blessing. Ive offered to send bank statements and other docs to prove that Im a good payee etc.. But to no avail. I request ALL my accounts to be immediately reopened and alll likens of credit restored.

Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: SYNCHRONY FINANCIAL
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:
I received a 30 days late on my credir report I wrote to XXXX bank / belks because i thought i sent in my payment the company sent me recepts of my payment the last payment was XX/XX/2018. I sent in another payment in XX/XX/XXXX and it went toward the XX/XX/XXXX payment. on my credit report it shows the account closed but there is another account still open on the credit report this account have not closed.

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 2019-05-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered a loan for jewelry was issued by Synchrony Bank in my name when they contacted me seeking payment. This loan was the result of identity theft. I filed a claim for fraud with the company directly, which they denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRUIST FINANCIAL CORPORATION
State: AK
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 have inquiries on my credit report that weren't made by me. I don't have these accounts and haven't applied for the accounts. I believe they were made by an ex husband who was using my information to try and obtain a vehicle loan because the same items are repeated on multiple reports. The point being someone, not me has access to my information and has unauthorized access and inquiries.

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 2018-10-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I tried to challenge the credit bureaus the name, address and all info thats relating to a bankruptcy listed on my credit report. I asked them to show me proof on specific information that it was me and how they verified, and they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Experian Information Solutions Inc.
State: AZ
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 concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase 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 non-monetary relief
Consumer complaint received 2019-06-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
USAA Financial Services reported that I was 30 days late on my credit card to the credit bureaus. We only discovered this late report approximately a month ago when applying for a loan for a new home. In the last few weeks we have spoken with USAA 5 times on the phone including most recently today for over one hour. On every single phone call we've had with them they state that it was an error on their part and that they'll fix the error. Last week they mailed out a statement letting us know that they found no issue with their reporting and that we should file an appeal in order to correct this issue. Today, as previously mentioned they were extremely apologetic but said that we should be fixing their reporting issues with the credit bureaus rather than them. We are extremely frustrated with this issue. Their negative reporting is going to cost our family thousands of dollars a year in interest costs on our new mortgage as a result of their negligence in reporting and incompetence in fixing the issue. Unfortunately, the 3 times we've had them tell us we'd get a statement in writing that they were incorrect in their reporting they've failed to produce one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: VA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$770.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: EQUIFAX, INC.
State: AZ
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 have disputed the late payments on XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got a paper in the mail today XX/XX/XXXX from Synchrony home saying i have a account open ending XXXX which i had no knowledge of. It was also opened with my old last name XXXX. My last name changed to XXXX XX/XX/XXXX. I went to there website and the only directions they gave were to report 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 non-monetary relief
Consumer complaint received 2019-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/XXXX I submitted a dispute about 2 accounts on my credit file that were not reporting correctly. One account is reporting the last payment made date wrong yet the their rating key shows more payments were made past that date. This account supposedly sold the account to debt buyer which is reporting a different amount than what the original creditor has. The initial response from TransUnion was that they verified the information to be correct. I proceeded to ask what information did they base the supposed verification on because the account information was still wrong. They simply replied explaining their investigation procedures rather than re-investigating the errors. 

After reading more of my consumer rights I then re-disputed the accounts in XX/XX/XXXX they have blantantly ignored me and haven't even responded at all.

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 2020-06-23
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I sold a virtual account on the mobile game " XXXX XXXX XXXX  XXXX  XXXX  '' to a user ( hereby " XXXX '' ) via Paypal on XX/XX/XXXX for {$350.00} ( {$360.00} with Paypal fees ). On XX/XX/XXXX ( over a month later ), he claimed it was a fraudulent charge on his credit card and Paypal subsequently froze the funds in my account, took money back from the sale, and also charged me a {$20.00} chargeback fee. I have evidence XXXX agreed to the purchase, sent the funds via Paypal, and then confirmed the goods were as advertised. I also have evidence he gave me a perfect review on XXXX   for the sale and utilized the account frequently after the purchase. Screenshots are attached. In the attached screenshots I am " XXXX '' or " XXXX  ''. XXXX is " XXXX '' or " XXXX ''. 

XXXX claiming it was a fraudulent charge is a bIatant lie and he is perpetrating fraud, especially over a month from date of sale. I have tried to call Paypal multiple times and can not connect to an agent. Further, when I try to message them through the message center I get vague responses that aren't helpful. Most of the time I get no response from Paypal. 

Paypal case is the following : Case ID XXXX. Feel free to reach out with any additional questions/concerns. Happy to help in any way I can to resolve this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions 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:
I have the XXXX  XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.XXXX   XXXX {$5000.00} USDEPED XXXX {$5100.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00}

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 2019-06-17
Company: EQUIFAX, INC.
State: CA
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:
Dear Team, I was out of country when my 1 payment was Late and XXXX XXXX Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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: Information belongs to someone else

Complaint:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have the XXXX  XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.XXXX   XXXX {$5000.00} USDEPED XXXX {$5100.00} XXXX XXXX {$4000.00} XXXX XXXX XXXX {$95.00}

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 2019-05-18
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Navy Federal Credit Union. Visa Credit Card They are charging so much in interest that I cant pay off the debt. I have called and they will not lower the interest. The interest for cash advance is so high and accrues daily. 5 yrs ago I needed a cash advance while going through a separation. Each time I make a payment it is absorbed by interest and never toward the balance until this day. I asked if I could pay the cash advance off and customer service replied no. So it keeps adding and I  cant reduce the debt unless I pay it off in full, which I cant do. Im paying monthly, but getting no where. I opened the card while going through a separation to help with expenses and did not understand the fine print. Now Im divorced, living in a small apartment, need to restore my credit, and Im trying, but cant make a dent in this card.

Company response to consumer: Closed with explanation