BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: MD
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 submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11
Company: EQUIFAX, INC.
State: CT
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:
A XXXX XXXX  credit card was opened in my name 8 years ago. I have called XXXX XXXX   XXXX who is also on my report as XXXX XXXX XXXX. I have sent affidavit letters, phone calls and have made complaints to Equifax and still after a year I have no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I disputed several companies on my report along with a police report indicating that i am a victim of identity theif the items were removed after invesigated and then place back on my report from other collection agenices numerous times making my credit score drop with false information when I also have a fraud alert placed on my account to verify my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
On XX/XX/2017 I was making on online Walmart purchase when at checkout I was offered a {$35.00}. refund on any first purchase of {$75.00}. or more if I used the Walmart card. I applied only to get the {$35.00}. off - I do not need a credit card. I was transferred to Synchrony Bank ... who I told that I did not want their Mastercard ... I wanted a Walmart card. He said that I did not qualify and had to get the Synchrony which was the same as a Walmart card. It is not ; it is a Mastercard. Upon completion of the application process he says, your card will be mailed to you. I insisted, no, I need it right now in order to make my first purchase with the card in order to get the {$35.00}. He said, I can not give you the card # ; it must be mailed to you. I insisted again because I thought this was not what the offer online said, but he promised that this was the procedure and when I got the card, I was to use it and then I would get the {$35.00}. off. He was offensive and abrupt and unyielding. I was not pleased with this because we were about to leave on our annual XXXX trip to be gone for some months and quite frankly I was afraid that by the time we returned I would forget to use the card and get my discount. The card arrived in our forwarded mail some weeks later. I went to Walmart with the barcoded special discount that came with the card and welcome package and tried to use it to get the discount. The store said they had never seen this offer before but scanned it into their computer and told me that I would get this discounted off my credit card statement. I did not. I have done everything I can with both Synchrony and Walmart customer service in an effort to get them to honor this discount and they refuse. throughout the process I was never told that there would be a time limit of any kind. This advertisement may still be on the Walmart online shopping checkout. We are Seniors and feel that we have been taken severe advantage of.

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 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: NJ
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 account # XXXX, and XXXX XXXX XXXX XXXX account # 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 explanation
Consumer complaint received 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A and 602 B. States I have the right to privacy and accuracy within my credit report. 

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. 

On XX/XX/2022, I sent letters to XXXX, XXXX, and Transunion about inaccurate information that was in my credit report and as of today XX/XX/2022, inaccurate information is still in my credit report including my year of birth, spelling of my name, and former addresses, along with the information from this XXXXXXXX XXXX XXXX company.

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 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 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 non-monetary relief
Consumer complaint received 2021-01-26
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my loan late XX/XX/XXXX/XX/XX/XXXXas part of refinance. I had several thousands in escrow that PHH was supposed to send me a check for. After contacting the company in XXXX about the check they said they will verify that the check wasn't cashed and reissued. I never received any follow up or check. In early XX/XX/XXXX I contacted PHH again and found out that the check was cashed. I was shocked that this wasn't escalated for fraud considering I contacted them in XXXX but nothing was done. This got escalated to fraud department at PHH. Also escalated to a manager whom promised good follow up and resolution. It's now over 2 weeks and I still have not received a resolution. I contacted PHH again today XX/XX/XXXX, was informed by a manager that this is a complicated matter and she hasn't seen this happen again. Again very surprised that most basic case of fraud ( cashing a check ) is something the manager of fraud department considered as difficult and unusual. She also told me that they only have 30 min for research and the rest of the day have to be available for inbound calls. I am so very frustrated and disappointed that this fraud is being ignored and proper urgency is not taken. Pulling a cashed check is a matter of min and if the agents don't have time to do investigations it speaks volumes of what PHH is focused on ... debt collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Square Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My account was frozen cause of a suspicious Transaction by customer I tried to call and email cash app to let them know about what was happening. Later on someone called me as a cash app rep. Requesting information about my account to fix the problem. I later noticed that all of my money was wiped out please if anyone can help you can email me at XXXX or call me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
My credit score was ruined by Hyundai in this difficult for our family times. It was lowered by 200 points. It is affecting our family and we are unable to take loans.

I paid Huinday all the fees and returned the car back. There was an additional fee of {$400.00} dollars when I returned my vehicle that they didn't tell me about it, and I wasn't aware of. I never received a single letter about the new balance after I returned car because we moved to the new address.

I ask you to contact them because if I knew or received a letter from them, I would pay my balance. Now our credit score is ruined. I have a XXXX  and my boyfriend lost his job because of COVID-19. I am head of the household. This is affecting us. 

thank you very much. 

Here is the confirmation of my final payment of {$400.00} to Hyundai motor finance. I paid the remaining balance. 
Last Payment Confirmation : XXXX Hyundai account : XXXX Note : On XX/XX/2020, I spoke with Hyinay finance representative Mr. XXXX explaining the situation, and he said there is nothing that Hyinday is going to do to restore my credit. They are not even going to attempt to contact the credit agency to correct this matter. 

Also, please note, this was the time when I had my XXXX  and my XXXX  was in XXXX XXXX XXXX XXXX. That was another reason that this situation needs to be resolved. If I had received their letter and was aware of the bill, I would pay the balance. 
Now they ruined our credit history and even capable of hearing the reason why we didn't make the payment.

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 2018-05-08
Company: First Federal Credit Control, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
account XXXX First Federal Credit Control is not able to provide any signed correspondences showing that this provider was to turn accounts over to collections and/or bill. The company has yet to provide proof of this alleged debt, which the dates and/or services along side alleged debt is being disputed. Per this dispute along side the fact that First Federal Credit Control can not provide reasonable evidence that this debt is owed, this needs to be off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On both my XXXX and experian credit report XXXX has listed that my account balance is for my auto loan is {$31000.00}. That vehicle was sold and the loan paid. I am no longer responsible for that account and would like the status on my reports to reflect that

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had to claim XXXX  XXXX just so Wells Fargo could not take my home. I am still in XXXX XXXX. They did modify me but my payment did not change. It was just a way for them to charge me all the late fees. I never got any settlement.

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 2019-07-11
Company: JPMORGAN CHASE & CO.
State: DC
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:
XXXX Jpmcb XXXX Jpmcb Unauthorized hard pull on business account, failure to disclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Synter Resource Group, LLC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synter Resource Group, LLC keeps calling XXXX XXXX XXXX XXXXXXXX XXXX XXXX to collect a freight bill that belongs to one of the mall merchants. We have explained to them numerous times on the phone and via email that they have the right property wrong address. The Management Office does not accept deliveries for any merchants and is not responsible for this bill. The bill belongs to XXXX XXXX  which had a seasonal store in the mall during the holidays. We have provided Synter the contact information of XXXX XXXX in order to pirsue collection of this debt and asked they cease and desist contacting this Mall Office regarding this debt- which they have ignored and is the reason we are now filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Called TransUnion to ask if inquires could be removed because I had not ask these companies to run my credit, nor had I tried to purchase vehicles or get accounts with these out of state companies. The guy I spoke to said " You dont need to do anything because it will be coming off your credit soon. Just wait '' but I want it off now! I dont know these people nor did I give them permission to run my credit and report falsely to the bureaus considering I have never signed any agreement or contract with these people. the only identifing info he would give is File # 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 2022-06-20
Company: Experian Information Solutions Inc.
State: IL
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 belongs to someone else

Complaint:
Someone stole my identity, but instead of committing actual fraud they just reported me dead. I can't do anything. My car got repossessed and my landlord kicked me out over this, because the system thinks I'm DEAD or trying to steal someone's identity. I've sent in copies of my birth certificate, license, and SSC. Sent in a letter from my local social security office to all 3 bureaus. it's been months. nothing is working. I've spent thousands on hotel rooms and ubers to have somewhere to live and a way to get to work. this is insane. I've been told there's an official death certificate but they refuse to tell me anything about it. as far as I know I have a pulse and pay taxes so I'd like to have a place to live. PLEASE help me.

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 2023-11-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2023, i signed up online for a fifth third checking account with the promotional coupon code for {$350.00}. On that day i was able to access my account via app all night with no issues so i initiated a {$500.00} transfer from one of my current bank accounts to the new fifth third bank account which was processed on XX/XX/2023. I called customer service on XX/XX/2023 and they told me i would have to send in documents to access my account by going to a branch near me when there is NO branch near me and i repeatedly told the agent that. In order for me to access my account after me sending {$500.00} to the new fifth checking i suddenly cant access my account and they trying to keep my money without returning it. I am willing to take any legal action i can because they are NOT about to keep the {$500.00} i transferred to the account. I wish i never signed up PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2018-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
I bought a game boosting service on XX/XX/2018, as I was in a hurry I want to be served on the same day. After I knew that I had to wait for about 1 week I tried to cancel it, but the only way to contact them is online chat and no one replies me by now. I disputed as soon as possible, but when I received the letter asking for more details, it had passed the deadline and I could not do anything about 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 monetary relief
Consumer complaint received 2023-11-15
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I closed on a mortgage with XXXX who has the servicing with Selene Finance. They held payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was not to start paying payments until XX/XX/XXXX. However, they withdrew a payment on XX/XX/XXXX. I have contacted the company twice and XXXX at XXXX also contacted them twice. We were told that they would be returning the payment, however, to date, they have not. My payment is {$2300.00} That is a very large amount to my monthly debt to be taken in error and not returned. They have said sorry, they will handle it and then nothing.

Company response to consumer: Closed with explanation