BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I called XXXX XXXX to correct the account number on my XXXX XXXX as the account number they had was a closed account it had just been closed. I spoke with a rep who assured me everything was updated and my Schedule payment for XXXX would go through the new account and XXXX auto payment would come out of the correct account. This was never done they continued to try to make payments from the incorrect account. I called XXXX XXXX at least XXXX times about this issue. I even scheduled my own payments from the correct account since they did not seem to be able to remove the closed account. They then refunded the late fee they charged because it was their mistake and the next day without notice they closed my account and said it was because I tried to make a payment with a closed account. I never tried to make a payment with a closed account and called them over and over again with the correct account number for my payments. On XX/XX/XXXX I called for the XXXX time and I spoke with Supervisor XXXX who said they had to pull the call and if they hear that I was asking the account number to be changed they may reinstate my card. The card should have never been closed especially after I called them back every time they called me telling them they were using an incorrect account number and the continuously told me the account was update while they continued to try and take payments from a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: NVR INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a new construction with XXXX XXXX in XXXX, MD and used XXXX XXXX in-house lender, NVR Mortgage, as my mortgage lender. However, due my loan officer and NVR Mortgages negligence, they failed to provide me with the information that I needed to properly submit an application for the Maryland HomeCredit Program, which offers eligible first-time home buyers an annual tax credit of {$2000.00} for the life of the loan. I first inquired with my loan officer during our initial meeting on XXXX XXXX, 2017 and had submitted several follow-up inquiries regarding the application process for the Maryland HomeCredit Program to her over the course of the 5-months that my home was under construction. Despite the 8 e-mail and phone inquiries during this period, my loan officer only responded to me once and told me that the application would be provided to me at settlement, which would still be sufficient time. However, I was not provided with an application at closing, and it would be another 3 weeks after settlement that my loan officer would share an application for the XXXX XXXX XXXX which was not the Program that I had been seeking. When I finally received the Homestead exemption application, I immediately notified NVR Mortgage of the problem. They researched the issue for several weeks and was found that I would no longer qualify for the Maryland HomeCredit Program because the application needed to be submitted by the lender prior to closing. So it was too late. As a result, I suffered a potential loss of {$51000.00} in tax credits over the course of my 30-year mortgage. 

While NVR Mortgage has acknowledged that they were fully at fault for not responding to my inquiries in a timely fashion before closing, they had determined that, despite the fact that my loan officer had recommended that I put down a smaller down payment than what I could have offered and for which, I could have adjusted if I was provided with the correct information before closing. As a result, my loan exceeded the eligibility criteria for the Program, and NVR Mortgage 's corporate office does not feel that they need to take any action or responsibility for this negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Weltman and Weinburg and Reis company notified me regarding a loan that is in default that I did not apply for or sign for. On the paperwork, the social security number is wrong and not mine. The address used in the paperwork is my address from a different state back in XXXX. I didnt authorize this transaction nor did I know about it until I received a letter from the above ago.. I have documents showing that I did not live there and I contacted the XXXX XXXX sheriffs department and filed a fraud report, which in turn they notified the above Company. They also notified Weltman, Weinberg & Reis Com, LPA XXXX XXXX XXXX # XXXX, XXXX, Ohio, XXXX of identity fraud. On XX/XX/2022 I received another letter from the above company who recommended I file this report. I have called the XXXX Co sheriff to get a copy of the complaint. They will try and get one, but we where hit by an F4 Tornado which destroyed our XXXX House. XXXX at the Sheriff offices said they will try to get a copy of the report. XXXX XXXX call the above Company regarding the fraud. Also there are no signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
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:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

XXXX XXXX AUTO is currently showing 30 days late ( XX/XX/2020 ) in EXPERIAN. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

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 2021-03-10
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Escrow account currently shows 2 erroneous tax payments made on XX/XX/XXXX for {$1400.00} and {$26.00}, which the city never received and which do not match any tax bill the city issued. On XX/XX/XXXX I received a delinquent tax bill for my 2020 Winter taxes in the amount of {$1200.00}. To avoid further complications on XX/XX/XXXX when the city no longer accepted payments, I paid my delinquent tax bill. I notified XXXX, XXXX. of this issue on XX/XX/XXXX, no resolution has occurred despite XXXX re-issuing a " response due date '' three times, the original response date was for XX/XX/XXXX, then XX/XX/XXXX and XX/XX/XXXX. No response has been given as of XX/XX/XXXX despite several phone calls to resolve the issue. During these calls no useful information was provided and the response due date is simply extended with no further action taken by XXXX. I need to be reimbursed for my tax payment. I need the erroneous escrow payments refunded to escrow and I need to know the resolution to avoid this error on my summer taxes. I am submitting this complaint based on the lack of adequate response and approximately {$3000.00} missing from my account with no answer as to where it went.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: CAINE & WEINER COMPANY, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This he insurance company   XXXX   try to make me paid 6 months in advance when the try to increase my police s 300 time. So I look for better options and I get   XXXX  . After 8 year with  XXXX  I will Never come back to th em, they never make me sings any contract they can not force to pay a service in advance when I never received any kind of service. I told them show me any contract even though email or verbal, and they said we will send you to  Colection  this is not right. I 'm try in to purchase my first home I really take care of my credit. This is and ilegal procedure of this gigantic company. The send me a letter to do my claim I fielded and they deleted and few weeks they do it again.  <P/> Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: EQUIFAX, INC.
State: ME
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:
After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
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: Public record information inaccurate

Complaint:
T rans Union  did not adequately respond the to complaint referenced below. The complaint should remain open pending a thorough reinvestigation and proper adjudication.  <P/>  Trans Union  continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 )  XXXX   XXXX   XXXX  VA  XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED. ( 2 )  XXXX   XXXX    XXXX   VA  XXXX   XXXX    XXXX    XXXX   XXXX , VA  XXXX  Status : Docket #  XXXX , DISMISSED.  Trans Union  continues to list the dismissed bankruptcy on my credit file.  Trans Union ' s policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated fo r ten ye ars. However, the Fair Credit Reporting Act mentions nothing in  Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from, " date of adjudication '' or d ate of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed  may  never have actually been adjudicated. Therefore,  Trans Union  has no right to maintain information which the government has deemed nonexistent. Pursua nt to Section 1681 ( a )   ( 5 ) o f the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within  14 calen dar days from receipt of this letter.

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 2018-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.

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 2022-02-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
hi there got a check for XXXX from XXXX XXXX XXXX  on XX/XX/2022 deposited it in my new business account with jp morgan chase bank on XX/XX/2022. the said the funds will be available on XX/XX/2022 the funds where not. i went into the back and they told me the maker of the check had to come in the chase branch ; he can not, XXXX XXXX XXXX XXXX XXXXXXXX ; chase fraud call me, then called the maker of the check, then called the XXXX XXXX XXXX ; they verified the funds but said they will have to hold the funds until XX/XX/2022. they closed my account on XX/XX/2022 and keep the money and refuse to released my funds. I have been on the phone with them for over 11 hrs trying to resolve ; their answer is the maker of the check 's phone number is not listed. so they will not release my funds. AND will keep the funds because I am unable to verify the check that was written to me. 

JPMorganChase is steeling money from its customer 's!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: EQUIFAX, 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:
My name is XXXX XXXX my social security number XXXX XXXX year of birth. Equifax confirmation number XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by XXXX. My complaint is that on my credit report their any account that not mine that creditor is XXXX XXXX XXXX XXXX that account number is XXXX XXXX XXXX XXXX is a fraud account that. Should of been remove off my credit file and it 's still showing please talk to Equifax consumer affair dept to have that fraud account remove, and also I told them that I had hard fraud inqiluires on my credit file there XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries and XXXX and Equifax XXXX inquires and XXXX XXXX all these are fraud and they also refuse to remove them .please talk to Equifax thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Experian Information Solutions 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:
Good afternoon, My servicer XXXX, XXXX XXXX XXXX, sent me mailing about my deferment ending. I called in and spoke with a representative in XXXX applying for a new deferment which was supposed to cover me until XX/XX/2019. 
I received negative remarks on my credit, which showed my payment as past due. 
I called into XXXX and they said they have no record of the deferment and they weren't any notes on my account. I found the paper where I documented the name of who I spoke with, the date and time, etc. The new representative explained she was unable to locate any information and would assist me with processing my documents at that time. 
I was given a three month deferment on the phone with the agent, and informed for sixth month deferment they would mail me a form which I would need to complete and mail in. I asked for a forensic review of my case, with all associated calls to be pulled to determine why the original deferment approval wasn't recorded and to update my credit report with the appropriate information. I shouldn't have negative remarks on my credit for XXXX, XXXX, and XXXX. This needs to be corrected immediately.

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 2021-09-17
Company: Nationwide Credit & Collection, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
nationwide credit is very fraudulent they call my phone numerous amount of time, including the am and afternoon as soon as I say I do not owe the debt they report to XXXX. I had to dispute this issue multiple times. XXXX resolved this issue however they still allow them to report it numerous amount of time. The balance nation wide Credit company claim I owe is XXXX dollars. They are located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL, XXXX. They are so rude and well mess up your credit score from XXXX to XXXX with sending disinformation to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-29
Company: R & B Corporation of Virginia
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It shows that I currently have an open account with a cable company. That is false, I have a different company for cable currently. When I called the cable company that I allegedly owed to check the status I was told by customer service that my information wasnt found in their system for a current open account. I asked why it was reporting on my credit report as an open account and they said they didnt know. There is no contact information for the collection company on my credit report account. I have no way to dispute something that there isnt even any proof of existing.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Square Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I have XXXX stuck in my cash app account, Im not able to deposit my money to my card ; send or receive money. I have went about contacting them many times and they send me the same email saying my account has been closed. They have no telephone number just an email and I get the same automated email every time. I need my money to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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 reached out to XXXX  & Transunion over 6 times in regards to fraudulent accounts listed on my credit report. Every single time it comes back as verified. This is my 3rd time filing a complaint with the CFPB & nothing has helped! XXXX  and Transunion are verifying these accounts without any proof! I have even reached out to the creditors demanding that they show me proof that these accounts belong to me, & they have NOT provided me anything personally that deems the account belong to me. So how is XXXX   & Transunion verifying it as accurate??

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 2022-02-09
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was recently denied a credit extension by DISCOVER who discriminated against when I applied for a credit card.DISCOVER took adverse action against me.included are both my proof and evidence of the violations commited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-14
Company: EQUIFAX, INC.
State: NE
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:
Equifax is still reporting information it suspects to be inaccurate. I made Equifax aware of conflicting information being furnished by XXXX XXXX XXXX. The evidence I provided Equifax clearly showed a major discrepancy in the amount of debt that is actually owed and the status of the account. I also provided evidence to Equifax showing my attempts to have the debt validated directly with the data furnisher. XXXX did not provide any documentation to validate the debt they are reporting to Equifax and other third parties. Even after making Equifax aware of the fact that the data furnisher is not following the Fair Debt Collection Practices Act or the Fair Credit Reporting Act, Equifax is still willfully reporting the information. <P/>I have attached the credit report provided directly by Equifax to this complaint to display they are in fact still reporting the information, they know has not been validated and have received evidence of inconsistency. <P/>This inaccurate information is hindering my ability to secure necessary financing for a major business acquisition. I am the CEO of an investment conglomerate and my personal credit is being considered for the business loan.

Company response to consumer: Closed with explanation