BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This incident happened today XX/XX/2020 at TJMaxx XXXX Branch - at XXXX XXXX. / Cashier register n. XXXX. 

I applied for the TJMax Mastercard Rewards Card, and it was the XXXX experience ever!! 
1. During the application I noticed that the Cashier/Store Associate had put a wrong address for me.. I told her it's the wrong address - she said It was ok and I could change it later using the number in the bottom of the reciept.

The store manager confirmed what the associate said and addes that as long as I change it today it will not affect anything.

2. After I went out of the store I called the number for Card Customer Service. On the phone, I stated I just opened an account and would like to change the address to get the card mailed to the right address. The Customer Service associate I had over the phone attempted to
send me an authentication code to my phone that is on file - she failed. The phone number on file is a wrong one, probabely a non working number.

3. Associate said she could not correct my address at this time and I should go online to upload more documents to verify my identity. At that point I was really frustrated! I asked the associate over the phone to close the account. She did. Then I asked to make the payoff of the current balance, she transferred me to Customer Service.

4.The Customer Service associate was not able to proceed with the payment as all the information on the file are wrong! She could not proceed with the verification of my identity!

5. I called the Store Manager to ask for a solution, either they correct my information on the system or get me the wrong information they submitted so I could at least verify my identity to the Card Customer Service number. 6. The store manager couldn't be more unhelpful. First she said there was nothing at her end to do to help me and that I have to call the Card Customer Service and get that fixed. I said so your associate
messes with my Identity and social security number and then I have to correct her mistakes? She answered firmely " Yes! '' - Very cold, very unhelpful, not showing the slightest sign of courtsey! She insisted that I should try to fix everything with the Customer Service Number.

At this point I could not believe this was happening to me!

I am really frustrated. I have an account that has my social number, I do not have which phone number or address it is associated to!

I attempted to make a payment, the customer service associate could not proceed with it because She could not verify my information!

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 2023-11-24
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has trade line on all XXXX credit bureaus, consumer has no knowledge of this debt. Consumer has sent debt validation letters to National Credit Adjusters LLC via Certified Mail with return receipt which was delivered on XX/XX/2023. For account number # : XXXX, Amount in Dispute : {$200.00}, and Acct # : XXXX, Amount in Dispute : {$270.00}. I have no knowledge of this account and I have sent NCA LLC debt validation letters with no response. 

I have no knowledge of these accounts. Company has not responded to debt validation letters that have been sent. Trade lines still appear on all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Amerisave mortgage in XXXX around XXXX, 2020 its been 3 months since Ive been waiting to complete my refinancing. 

I have been told I am approved but nothing seems to be moving forward. The salesperson/ loan originator did everything really quickly and I was charged a {$500.00} application fee upfront for applying and was told I should close within 60 days. Iam over 90 days now and the loan originator XXXX advised he does not have control of the application now since its in processing. I have been in contact with the loan processor XXXX XXXX but every week he has the same story to tell that he is waiting for mortgage payoffs from my current lender. He has now probably blocked my number since it directly goes to voicemail every I try to call him for the past week. I spoke with XXXX and he gave me XXXX supervisor contact and iv called him several times and left voicemails but I havent gotten a response back. The supervisors name is XXXX XXXX ph : XXXX. Iv also tried to speak with the Vice President of sales via contact with social media and he called me to say he will expedite my process but that was 3 weeks ago and now he does not answer my call or return my calls. V.P salesmans name is XXXX XXXX ph : XXXX. 

I need my refinancing done ASAP as Im holding my financial decisions to other things just because of this and because no one emails or contacts me with any details, I strongly believe there is a scam going on with this Company. Even theirs reviews speak what Iam saying. 

My application number is XXXX My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
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: Investigation took more than 30 days

Complaint:
Hello. Last month I disputed some accounts that were on my credit report to all the credit reporting agencies. The accounts disputed were very old. They were all more than seven years old. The letters I used to dispute these accounts were sent out to the bureaus on XX/XX/XXXX. We are on XX/XX/XXXX and I haven't received a response from any of the three bureaus. Don't get me wrong, I know we are living in a CO-VID 19 world, but I would have assumed at least one of the credit bureaus would have responded by now. I even checked my credit monitoring account to see if any changes have been made and my responses somehow got lost in the mail. Nothing has changed or updated. 

Considering I am still getting letters from several other companies leads me to believe that its not a mail problem but the credit bureaus not doing what they are supposed to be doing. Can you please help me in having the credit bureaus remove these accounts from my report and actually send me something to show me they did the work?

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 2021-02-04
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: Personal information incorrect

Complaint:
To Whom It May Concern : I have sent letters to all the credit bureaus about reporting incorrect address information, names being misspelled and numbers not associated with me. Equifax sent a letter requesting additional information. They requested paycheck stub with my social number and gas bill with the address. I also included this with the letter and sent them the information. 

Only receive another letter on XXXX again asking for the same information yet again that was already sent over a month ago. The documentation was all sent certified so I know they received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Experian Information Solutions Inc.
State: IL
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:
Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX, XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. Experian refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts

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 2023-01-19
Company: Experian Information Solutions Inc.
State: TN
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:
I went to the car dealership the other day for the third time, they said they were going to do one hard inquiries but all of these popped up on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2021 at XXXX XXXX I received a Chase fraud text message asking if i tried to withdraw {$800.00} from my account which i texted back with no. Chase then texted me back with ok that they will close my card and send me a new one, i then logged into my app and locked my card just in case of any further fraud activity. I then like at XXXX XXXX unlocked my card to use my apple pay at XXXX XXXX XXXX for an amount of {$66.00} dollars and then when i noticed my account was deducted {$700.00} from XXXX XXXX XXXX XXXX which is a chase bank. I immediately called chase and notified them and they started and investigation. They credited me back my {$700.00} so i figured chase was on it i then check my account today XX/XX/2021 and chase declined my claim claiming that they denied because my card chip and correct pin was used and they were no wrong pins entered to me thats ridiculous because i had just received a message from them of a fraud attemt and they approve a {$700.00} withdrawal without any notification when earlier in the day i had already been tried to be scammed. i now getting law enforcement involved to see who used my card and thats why cameras are placed on the ATMs. Its not fair fair for ua to lose our money and for a bank institution to just make a decision off of them not getting my pin wrong any times when I clearly texted them in the morning that i was already trying to get scammed in the morning for {$800.00} when I received a text why wouldnt they text me again asking of i tried withdrawing {$700.00}?? It might not seem a lot to a bank but it's a lot to a family especially going through a pandemic. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: OH
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 disputed the following accounts # XXXX AND # XXXX being reported as a collection account from XXXX XXXX XXXX and account # XXXX reported as a collection account by XXXX XXXX XXXX. These accounts are reported by XXXX, XXXX and Experian. I have requested the accounts be verified since there are inaccuracies in regard to status of the accounts as well as the amounts supposedly owed. If there is even XXXX inaccuracy, which one is actually reporting correctly? I sent Method of Verification request letters to all XXXX bureaus certified mail which have all been received but only XXXX and XXXX have responded. XXXX sent a letter with confirmation # XXXX dated XX/XX/2022 stating that the XXXX collection accounts for XXXX XXXX XXXX are not reported as a collection by the agency when in fact it is and they also sent a letter with confirmation # XXXX dated XX/XX/2022 simply stating the account is verified. XXXX simply continues to state the accounts are verified. Experian has yet to respond at all. I keep getting the run around and receiving the same repeat letters in the mail simply stating the accounts are verified. If these accounts are verified as claimed, why have they not sent method of verification as requested and who in fact verified these accounts? I am very frustrated with this continuous fight with the collection agencies as well as the bureaus and I would like to have these accounts removed immediately since these companies have failed to properly verify the accounts mentioned above as well as provide proof of method of verification within the time frame required by law. 

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 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX  XXXX Balance : {$11000.00}

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 non-monetary relief
Consumer complaint received 2021-02-04
Company: SYNCHRONY FINANCIAL
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have a closed Amazon account with Synchrony Bank which I have been paying dutifully monthly according to the dictates of a hardship program. I fell XXXX XXXX  in the month of XXXX due to constant exposure to the XXXX XXXX since I work in the XXXX XXXX  and specifically in the XXXX XXXX Synchrony Bank reported me late to all the credit bureau for the month of XX/XX/2021. I spoke with a representative today and she said she would request for a deletion of the late payment. While I appreciate her kindness and empathy, it did not allay my fears about the impact of this derogatory report on my family finance and even more as the sole breadwinner. It is more like a burden added to my medical struggle. 
In order to prevent such occurrence as this, I have enrolled in the auto payment for subsequent payment on this card. 
I will appreciate if someone can empathically review this account and delete 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 2023-04-24
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:
I have not applied for the items listed on this form. I had my wallet stolen from my locker at the gym and since that time inquiries have been appearing on my credit report. Please delete this from my credit XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX 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 XXXXXXXX XX/XX/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 2023-02-28
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: Account information incorrect

Complaint:
I took out a title loan XXXX I paid on it for about a yr {$200.00} XXXX, then my financial situation changed. The original amout was $ XXXX and after there check cashing fee I received {$1800.00}. 
The rate in my opinion was usary over 150 %. I made a few payment arrangements but ultimately could not afford to pay any longer. They agreed to sell the vehicle and settle the account for auction proceeds. At that time they had reduced it to {$1500.00} - I agreed to this and voluntarily surrendered the vehicle- which they sold at auction. It should report as settled for less or paid in full. Either way it is reporting incorrectly and I am getting harrassing letters and unable to obtain desirerable credit terms do to this reporting a very large balance ( {$8500.00} ) that continues to grow. This is predatory for sure. I have disputed this several times with the credit bureau and the company. this was a XXXX XXXX XXXX XXXX ( which would easily retail for $ XXXX at the time ). the agreement was that they would settle for auction proceeds. Even so, the sale of this vehicle would have easily covered any remaining balance. They claimed a deficiency balance and continue to charge absobant rates even though I no longer have the vehicle and they successfully sold it at auction. I am requesting that they either remove the item from my credit or report it as settled. I would think it not customary to pursue deficiency ballances that are absorbant and nothing near the original balance- this is hurting my credit and continues to cause me problems when applying for transportation or housing. Please intervene and have them report this as {$0.00} balance and settled or remove it completely - I appreciate your help in this matter as they are bullying me for monies that are simply not due. The companies name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX. XXXX I will provide you with any info necesary in getting this resolved - 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 2023-04-24
Company: EQUIFAX, INC.
State: AZ
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:
This is the same dispute I have with XXXX. I got a bill from XXXX XXXX with a balance due and payoff good through date. I paid the bill before the payoff date, I received a paid in full letter from XXXX XXXX, then the next month they billed me again. XXXX XXXX paid this in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions 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:
The following is not mine and I also had a credit lock on my Experian account, so I am not sure how all these inquiries happened. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like Trans Union, XXXX  and XXXX are reporting things against me they can not substantiate. 
What can I do?

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