BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: CA
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:
For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX Experian, XXXX and has been editting out evidences when I tried to check the credit score on my end.

I tried twice to call Experian to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused.

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT 600. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past 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 2023-03-13
Company: SYNCHRONY FINANCIAL
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit report a few weeks ago and found multiple accounts listed as synchrony and reported them as fraud to experian. They contacted synchrony and they sent letters saying they were valid debts. 
I havent opened any accounts under the places they are reporting. I was locked out of my email address listed on the accounts they have, I havent lived at the address listed under the accounts, they do have my correct birthday, social, and at one point even had my banking information. I didnt monitor my bank account closely and when I seen the charges I closed it out since somebody was using my bank account. I contacted the companies and they said they didnt have any accounts under my name. Thought that was the end of it until I seen it listed as an unpaid debt on my report. They used the address for a property I am buying, but havent lived there for 4 years. I didnt receive anything in the mail for the debts. They refuse to listen and close out the accounts, and expect them to be paid for in full. There were also multiple addresses, variations of my name with wrong spelling, phone numbers, places I work I have been a XXXX for 13 years and some other questionable things. XXXX is working on what they can handle, but I need help getting the rest dealt with since I didnt open any accounts or even shop through the places listed.

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 2018-05-09
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
There were three charges on this Chase MasterCard credit card that were disputed around XX/XX/XXXX or XX/XX/XXXX. Chase acknowledged the dispute. However, they have done nothing to resolve the dispute or credit the charges. In fact, interest has been accumulating on these charges. I've reached out to Chase literally dozens of times in the past 2 years about these disputed items, and I always get a generic response or a response that the dispute is received and they are working on it. Chase obviously is doing nothing to resolve this matter. 

The charges are as follows : {$1400.00} on XX/XX/XXXX {$260.00} on XX/XX/XXXX {$870.00} on XX/XX/XXXX The total amount of the above charges is {$2600.00}. + INTEREST. A lot of interest has accumulated on these charges. 

Documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, First, thank you for your help in this matter. 

I continuously have problems with my lender ( Amerihome Mortgage ). My mortgage was sold to them, without any input from me, by XXXX XXXX XXXX in XX/XX/2019. I've filed two other complaints with the XXXX. 
Who regulates this company? 
How am I powerless to choose my mortgage company? 
I've also written complaints via online review sites such as XXXX. ( Along with hundreds of other unhappy customers. ) Some issues of late are : - a website that doesn't work ( I get error messages when clicking on any menu ) - reps who regularly hang up on me - payment systems that also do not work ( which seems to be a link to another site? ) - long hold times - an insecure website that does not have a proper SSL certificate - no mobile app - slow, clunk interfaces on all digital formats - reps always say " we are having a problem with our system right now '' EVERY TIME I CALL!! 

This is completely unacceptable. I do not want to have a mortgage with this company. What can I do to end my relationship with them? How is this legal. 
I plan to contact my State representative regarding this matter, as I suspect CFPB is also toothless to get this company to improve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
For the last XXXX  years, my credit score did NOT show details and people have been using my Social Security Numbers to commit XXXX XXXX XXXXs, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of Transunion, XXXX, XXXX and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT XXXX. On my XXXX XXXX reply, it said my credit score is XXXX. And the other people said my credit score is past XXXX!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX The card company took {$45.00}. 
I rented a car from XXXX the total was {$200.00}. They ( XXXX ) requested {$100.00} deposit. However, {$340.00} was taken from my account for the charge. It should have been {$300.00}. Calling my card services help number they inform me that THEY themselves keep 15 % of a rental car purchase for " incidentals ". No where in my card service agreements does it say they/ The card issuer/ bank will hold money against a purchase it says " the merchant '' may. Which they did and was expected. They ( card issuer ) say it will be returned in 21 days without interest. The bank keeps putting me on hold for supervisors that never come on the line. They refuse to return my money and can not show me the term in the contract announcing this fee.I attached XXXX billing, my account statement and my relevant contract fee schedules. ( please remove the next part as well as all attached photos before publishing..my name on the card is spelled XXXX XXXX because they refused to change it unless I faxed them a bunch of documents they already have from the card initial setup less than a month ago ). The card was set up at XXXX XXXX it is a XXXX XXXX prepaid debit thru us bank. Thank you in advance.

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 2023-05-23
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2018-05-09
Company: Merchants and Medical Credit Corporation, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Took one course at the college. I am not the authorized or guarantee of the account. The school attempts to charge me through creditors, not the other person. School never notified me, illegally listed me as a resident of their campus and attempt to fraud my credit reports. One creditor agreed to remove yet still on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-09
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
We've had this credit card since XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In 2012 we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a vehicle accident. We lived 5 hours away from the bakery, and hired a new XXXX who ran the business into the ground. We kept it going until 2014, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called Chase and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. TRANS UNION RENTAL SCREE Inquiry : XXXX XXXX, 2020, XXXX XXXX DEALER S Inquiry : XXXX XXXX, 2020, XXXX  Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2023-05-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fifth third called me without leaving a message. When I called back to verify my account the rep told me I had to make a payment before they could waive any fees for late etc. I called just a few days ago and spoke to a rep who waived the XXXX dollar fee and the previous rep I spoke with regarding my credit card told me that if I made the XXXX payment on XX/XX/XXXX no further late fees would be assessed to the account now they are telling me some different BS saying I need to make a payment before then. They should review the last three phone calls and coach their representatives accordingly because it seems like misrepresentation of marketing or fees which to me appears to be bank fraud to coerce me into making payments that I was told I could wait on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Capital One XXXX XXXX XXXX is not reporting on my Credit report. Loan and detail are not on any credit bureaus report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: WI
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 filed section 128.21 in the state of Wisconsin. XXXX XXXX  was notified in XX/XX/2018 was court ordered to reaffirm my debt. They received payments according to my court order agreement. And still charge off my account. The sent my account to a collection agency. And broke the law. I called XXXX XXXX and spoke with the collection department. I was told they Did not have to abide the agreement. Because there in a different state. I was given the card living in Wisconsin so yes they do have to. I need this account to be update to closed and current or removed from my credit period.

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 2019-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 filed section 128.21 in the state of Wisconsin. XXXX XXXX  was notified in XXXX of 2018 was court ordered to reaffirm my debt. They received payments according to my court order agreement. And still charge off my account. The sent my account to a collection agency. And broke the law. I called XXXX XXXX and spoke with the collection department. I was told they Did not have to abide the agreement. Because there in a different state. I was given the card living in Wisconsin so yes they do have to. I need this account to be update to closed and current or removed from my credit period.

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 2022-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX  XXXX XXXX  Date of inquiry : XX/XX/2021

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 2018-12-13
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: Account information incorrect

Complaint:
i contacted XXXX  to get this information updated on my account and have disputed this account with the credit reporting agencies. This account shows a balance on it and needs to be updated as paid in full. the accont still shows it is in collections.

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 2018-05-09
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The lending bank XXXX XXXX has broken the Military Lending act by charging myself XXXX XXXX XXXX an interest rate that is not in line with the MLA. An Interest rate of 24.9 % is not only predatory but unwarranted. the interest rate plus monthly and annual fees make it impossible to truly pay on the actual debt of the car. This is illegal and systematically predatory. I have spoken to XXXX XXXX over 10 times the fees and interest keep compounding and the balance is now higher than the original loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All 3 Credit bureaus are reporting a wrong address on my credit report. I never lived at this address and this address is not a previous address : XXXX XXXX XXXX XXXX XXXX, Pa XXXX Please delete this address. 

Please add my address that I always lived at all my life at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX Please open attachment for my ID, SS, bank statement

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 2023-01-11
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo from 2009 until lose of home due to foreclosure took large sums of money from me that was left in limbo and was never used to help in my foreclosure even after I paid and Wells Fargo still foreclosure on me. I had VA loan. I've sent numerous faxes and info to Wells Fargo even up to today. Still no resolution that is acceptable to me. They owe me funds that i applied and funds due to hardship and not allowing the info I sent as requested to still allow foreclosure. Its still a total and complete disservice to me and all wrongfully done consumers. All I want is my portion of funds to justify my lose and to compensate me for there mistakes and misleads. Thanks and XXXX bless

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 2018-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted this credit reporting agency numerous times regarding this alleged account. I have asked for a certificate of compliance to the reporting of this alleged account and my request continues to go ignored. The original creditor to this alleged collection account claims they have nothing to do with the said account. Credit reporting agency continue to not provide the information I am requesting. This account does not meet the required Metro 2 compliance laws ( Metro 2 Five Points Of Compliance ) -- ->> **1 XXXX is a web-based, Metro 2 compliant, automated system 2 CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. 3 ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher 4 The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit **5 If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. THIS ACCOUNT HAS ALREADY BEEN DELETED FROM EQUIFAX AND OTHER DATA FURNISHERS. TRANS UNION CONTINUES TO NOT COMPLY!! THEY ARE IN DEFAULT OF ALL METRO 2/XXXX LAWS PARTICULARLY # 5 ON METRO 2 5-POINT RULES/LAW

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 2021-02-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had not received US Banks response-They sent 2 CONTRADICTORY letters 2 DAYS APART TO CONFUSE. I NEED FINAL LETTER AND REIMBURSEMENT-I FILED XXXX  DISPUTE TIMELY, WithIN 60 DAYS ACCORDING TO BANK, AND HAVE US BANKS LETTER AS PROOF THAT IT WAS FILED TIMELY. 
I emailed XXXX Branch Manager proof that I reported dispute timely and she called the 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 monetary relief