BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-05
Company: FREEDOM FINANCIAL NETWORK
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 spoke with XXXX XXXX with Freedom Financial on XX/XX/XXXX regarding a settlement that was offered on my account. It was agreed that the settlement would be for {$7500.00} paid in two installments and the dates were XX/XX/XXXX and XX/XX/XXXX. It was explained to me once the final payment had cleared I would receive a letter stating that it is settled and my credit report would be updated. Since XX/XX/XXXX I have been trying to reach out to them but have been getting the run around and sent to voicemail and no return calls. My account does not reflect the payments and a few representatives I did speak to said they see the notes about my settlement and it should be settled shortly, but when I call back days later no one seems to be able to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am currently receiving collection letters from XXXX XXXX ( collection agency ) on behalf of XXXX XXXX. XXXX XXXX is attempting to collect {$4200.00}. They are claiming the loan was taken out on XX/XX/2018. 

This loan was never authorized on my behalf and believe this is a result due to identity theft. I have never taken out a personal loan in the last 11 years of my credit history. 

My first attempt i contacted XXXX XXXX to notify them that this collection is fraudulent. They did not want to hear my complaint. 
I then made a dispute claim with XXXX but they were not able to successfully close the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
There is no sufficient information to support the credit bureaus claim..The payment here is sent in advance so I don't understand why this is a past due..Please fix this for me.. 
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 2018-08-16
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company " TRANSWORLD SYSTEMS '' keeps calling and leaving robot voice messages on my answering machine saying they are attempting to collect a debt TEL:XXXX CASE # XXXX, the debt is not my debt, but they call every other day harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: EQUIFAX, INC.
State: TX
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:
THIS IS MY SECOND TIME SENDING A DISPUTE REGARDING THIS ISSUE. Incorrect and inaccurate information is being furnished on my credit report, the balance for XXXX XXXX is incorrect. attached is proof that balance is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/21, I called Chase customer service requesting a detailed statement of wires that were wired to scammers. I have all the information but I just need a statement from Chase stating my name, date of wire, amount of wire, whom it was wired to, beneficiary bank, and account. But the customer service said that Chase can not provide such a letter. I need this letter to provide to the XXXX XXXX police. It is required in order to freeze the account of the scammer. Please do not send me my bank statement. I already have my bank statement but when I submitted it to XXXX XXXX police, they said it is not enough because the details are what they wanted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Santander Consumer USA Holdings Inc.
State: OH
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 made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered an informal forbarnace on my loan due to the the impacts of Hurrican Irma on our area in Florida. I have submitted documentation and loss mitigation request packages numerous times to try to get on a repayment plan to bring the loan current or request a modification, or simply an extension of the forbearance until XX/XX/XXXX when I will receive my delayed bonus in order to bring the loan current. I have received little to no response and communication from SunWest and promises for call backs and assistance that have gone unfulfilled. At this point, the forbearance is up XX/XX/XXXX, and I have been trying all week to get answers on what I can do to ensure my credit is not impacted and how we can work to bring the account current. When you call the loss mitigation and customer service departments, you sit on hold for 5 min and then are automatically dumped into a voicemail box. I am out of options and am simply trying to ensure that I can work to bring my loan current as soon as possible. I have diligently been trying to work with them for the last 60 days and it seems they are ignoring my requests so that the forbearance will run out and they can asses late fees and impact my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: General Motors Financial Company, Inc.
State: OH
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 made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX GM FINANCIAL XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXXXXXX XXXX XXXX   XXXX XXXX, NC XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: EQUIFAX, INC.
State: OK
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 have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 Equifax received dispute letters in regards to inquiries. Their response on XXXX XXXX from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This absolutely unexceptionable that I have to submit a CFPB Complaint against the bureaus because they claim that the in accurate information I disputed on my credit report XX/XX/XXXX is verifiable. Also, I will be filling a complaint with the XXXX  due to the mistreatment and unwillingness to help me resolve this hardship the bureaus have brought upon me. Its impossible for me to live The American Dream with the credit bureaus reporting inaccurate information that is burdening me from get home, low interest rates and etc. I submitted another complaint on XX/XX/XXXX I demand to know how these inquires were verifiable even when I stated this was unverifiable information that is also inaccurate on my credit report. I don't know who's this inaccurate and unverifiable information belong to but I need it deleted off my report immediately. I feel as if the bureaus are trying to waste time by claiming this inaccurate information on my credit report is verifiable. I have been put through enough hardship this year during the Covid pandemic. I demand proof of the original application be provided to me that I signed and agreed to these erroneous inquiries on my credit report. If the bureaus can not provide me the original application! I demand this inaccurate information be deleted of my credit report immediately. The next step that will be taken if this inaccurate information is not deleted immediately will be me seek litigation. Ive been going back and fourth with the bureaus since XX/XX/XXXX Ive had enough and will take legal action for the hardship and time the bureaus have cost me trying to resolve this situation.

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 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed being that they have gone past the 30-day Mark and can not verify this account I dispute it. under Section 6115 a of the FCRA - they are required ... probably delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible. 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 2019-10-08
Company: Experian Information Solutions Inc.
State: NC
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:
I am attaching the investigation request I sent to the credit bureaus on XX/XX/XXXX. I was supposed to receive investigation results by XX/XX/XXXX, but I still have not received anything in the mail.

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 2017-11-18
Company: CITIBANK, N.A.
State: OK
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 attempted to call CBNA ... none of the number on various web pages worked.

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 2018-03-16
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/XXXX. I noticed several unauthorised inquiry on my credit report. I sent a letter of investigation to Equifax to investigate it and provide me proof because this hard inquiries was not made by me. And I did not authorize anyone to place such inquiry on my report. I requested that if they can not provide a valid proof with my signature on it, they should remove the hard inquiry. I did not hear from Equifax. Equifax never responded to my query and I sent another letter twice without any response. 

Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX. 

But after some months, Equifax sent me an online message without any proof of investigation stating it was verified. They never provided me with any proof with my signature on it as required by the law. The hard inquiry has hurt my ability to obtain credit at a fair rate and cause me financial hardship with high interest. I personally contacted XXXX XXXX  and they sent me a letter that they will remove the hard inquiry, but till date they never removed the unauthorized inquiry even after they have sent me a letter that they know it was a fraudulent inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I wanted Chase to remove the 10 year old bankruptcy from my mortgage statement. They did not. They then proceeded to ruin my credit by re repoting the bankruptcy, and taking off my payment history. WHY???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I made an online inquiry looking for the best terms to open a HELOC. I received numerous responses. One of the responses was from a XXXX XXXX with Rocket Mortgage. He offered me a refinance of my current first mortgage. I told him that I was uninterested in refinancing my mortgage. Nevertheless, I have received correspondence ( cover letter attached ) and numerous phone calls from Rocket Mortgage as if I've applied for a mortgage with them. I did no such thing. I am concerned that this phony mortgage application could damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: DISCOVER BANK
State: MA
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:
I have been a Discover Card member since 2014, and at one time the service and fees were great. I have attempted on several occasions to stop the usurious fees of 18.74 APR which is preventing me from paying down the principal. I would hope that Discover address my complaint in a speedy response. The only alternative is to alert other consumers on XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-16
Company: ERC
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:
for 2 years collection companies have dinged my credit rating for an XXXX  bill of {$1500.00} since XX/XX/XXXX.

every time this bill is passed to a new collection company they note on my credit report that it is collection, reducing my credit rating, they never correct it.

this is NOT my bill, finally they drop the calls but never correct the credit report on XX/XX/XXXX it happened again, XXXX XXXX XXXX   did it again, put it into collection on my credit report -- - THIS HAS TO STOP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This is the second time Synchrony Bank through a secondary ( XXXX XXXX XXXX XXXX assignee of Synchrony bank - address XXXX XXXX XXXX XXXX Assignee of Synchrony Bank XXXX XXXX XXXX XXXX XXXX, Georgia XXXX ) has taken us to court for a judgement on a debt originating from Paypal credit owned by Synchrony bank, They will not be able to enforce any judgement, my income is from XXXX XXXX, and is my only income. Which comes from protected federal VA benefits : protected from garnishment to pay a debt owed to a private person or company. The have been aware of this for quite some time, yet they sold this debt to XXXX XXXX XXXX XXXX   originating in Texas, with office in XXXX Ga. They received an unenforceable judgement, determined by the Courts in XXXX county -XXXX XXXX -Ga. 
Please contact Synchrony Banks ( XXXX XXXX XXXX XXXX ) XXXX XXXX and advise them this is fiduciary harassment.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2020 I sent Transunion, XXXX, and XXXX FTC Reports and FCRA 605B letters to substantiate my disputes against fraudulent activity on my credit reports, but have been repeatedly ignored.

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