BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-03
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a XXXX down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

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 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 sent an certified letter on XX/XX/2021 that included all the necessary information to have the 4 accounts removed my my credit report along with evidence for each. TransUnion did not take any time to do an investigation and simply put meets fcra requirements. This was updated to this note immediately! XXXX  and XXXX have already removed the accounts. This is one example of why TransUnion is facing a lawsuit for not investigating disputes properly. Three out of the 4 accounts are companies that are not licensed in Michigan and did not provide the validation and verification I asked for. The fourth account holder did not respond to my request for validation within the 30 days allowed.

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 2022-02-03
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The VW CREDIT XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


VW CREDIT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts below are reporting on my personal credit file with EQUIFAX. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have yet to receive my 2019 tax document XXXX after numerous requests via phone and email. I am told that they are looking into the problem repeatedly and receive the same via email and regular mail. This has caused me to not be able to complete my tax return on time, which will lead to penalties and fees. This has gone on for a full year. There is no excuse for this omission.

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 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The accounts below are reporting on my personal credit file with TRANSUNION. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher are not complying with federal law in regards to identity theft. Additionally, the data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 


XXXX ( Original Creditor : 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 2021-03-08
Company: Santander Consumer USA Holdings Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CFPB are you on the consumer side or the big bank side I am writing about the Santanderr Usa response how long is this staying on my credit when XXXX isn't on my credit report it's been add 2017 what another 4 more years, so iam the only in America that has a repo on there credit report so is this a life situation. I thought after 7 years it will be off so I got to go thru another 3 years starting from 2017? That is bull ....

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CITIBANK, N.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received several notices from Citi bank that the issued was resolved but the amount is still in effect on my credit card. To avoid damages to my credit rating I was forced to pay on this card. I have documentation from the card holder that this debt was cancelled. But it has not been deleted. I made the claim on XX/XX/2021, the amount was for {$60.00} ( I was told ). I sent all the documentation to the company as requested. I received from the company the debt was cleared. That information was false, now what? So in affect I have been defrauded twice.

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 2021-06-09
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:
Good Afternoon, I am reaching out because there is a collection account on my Transunion and XXXX Report. The account by XXXX XXXX XXXX is a fraudulent account. I have disputed this via Transunion, XXXX, and through themselves. I haven't received a response from them at all. I am requesting that this account be removed from my credit report asap. I have attached my police report. My next step is to retain an attorney to get it removed and to sue the bureaus. 

Also, this is me, XXXX XXXX XXXX, submitting this dispute. Everytime that I submit a dispute through here, they try to say that it isn't me. This is me and I would like this resolved asap.

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 2021-09-15
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Misled to think that after 6 months of on-time payments, apr of 10 % would be decreased. However, company said there was no such option. Also, after speaking with non-profit counseling, they stated that at the time I closed on house, conventional loans were between 2.25-3.87, not 10 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm not aware of the debt, I never had service at this address. There were several attempts from a XXXX dressed rep trying to switch over, never did due to the fact I was under contract with another service provider that I have been with for the last 5 years I have lived at this address. I have disputed this account with all three CRA and only XXXX  has removed the account. I have sent letters disputing and the collection agency still continues to harrass me about this so called debt that I owe. There has not verification of debt. I would like this remove as it has reflect negatively and not a true perception of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Chase refused to provide me my money in my account after I tried to withdraw {$2200.00}. I tried 3 different branches and they still refused because I didnt have my Debit Card and my ID which I lost. However, I provided them with my passport which had my maiden name but also provided the marriage certificate stating that change. I also provided my social security number and they still refused to withdraw because I didnt have their Debit Card as proof of identity. I provided legal documents. They will not allow me to withdraw any money or transact in anyway. Why can they do this?? I also had issues with this account before not allowing wire transfers, etc. horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a XXXX mastercard issued by XXXX XXXX. Rewards were not issued per terms and conditions on the account. representatives I have talked to were no help. 

Called in tonight and talk to a supervisor named XXXX with id XXXX and she was just making excuses why I was not receiveing rewards, very unhelpful, rude, didnt care. 

She closed my account after I said the only reason I am closing is because she was being unhelpful and she forfeited my rewards which were missing in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21
Company: CMG MORTGAGE, INC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Annual Escrow Review Shortage Excessive! 

They are claiming I'm short {$3800.00} or I can have my payment go from {$1500.00} to {$1900.00} I have contacted the mortgage company on XX/XX/2021 to get a resolve to dispute the amount they are requesting. I had spoke to three people that day and each one gave a different answer with two disconnecting which I then had to call back each time. The great brush off. Each time getting a different person. The last person XXXX assured me they would investigate my complaint and have a resolve for me no later than XX/XX/2021. He took my email address and had the phone number. As of today no reply. 

The problem that has caused this shortage was the lender paid a full years taxes in XXXX and not a semi annual. I have papers that were signed and the lender disclosure the taxes were to be paid semi-annual. I explained the situation to each party. The first person reviewed the documents and told me I was correct and she would send me to the tax department. Waited on hold for quite a while then the line went dead. XXXX told me I would have to pay the overage or make the mortgage payment they gave me until the next time they did an escrow review. I understand that taxes and insurance do increase and the escrow be short. The escrow is not short the amount they are claiming.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
my mother fell terminally ill, and I was the only one left to care for her. As such, I had to leave my job, and my savings went toward her health care expenses. I fell on very rough times after she passed away, and was unable to make my student loan payments. 

I realize I made a mistake in falling behind, but up until that point, my payment history with you had been spotless. When I was able to gain employment once again, I quickly resumed paying my student loans, making them a priority. 

Im not proud of this black mark on my record, but its the only one I have, and I would be extremely grateful if you could honor this request to remove the lateness from my credit report. It would help me immensely in securing other lines of credit so that I can further improve my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: BHFC Financial Services INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted BHFC FINANCIAL SERVICES concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. BHFC FINANCIAL SERVICES has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX I got my credit pulled through my local credit union for a mortgage pre-approval. We found a fraudulent trade-line that had been opened in my maiden name in XXXX of XXXX from Pay Pal Credit/Synchrony Bank. There is a balance of {$5100.00} with a past due amount of {$1400.00} and 5 months late. This trade-line was closed in XX/XX/XXXX. 

I then contacted XXXX, XXXX, and XXXX  on XX/XX/XXXX to file disputes. Then I contacted PayPal/Synchrony and filed a Dispute with them as well a couple of days later. 

Right now the information we know is : 1 ) The person used my maiden name to open the account in XXXX ( I legally changed my name in XX/XX/XXXX ). 
2 ) The person used an XXXX email address which I do not have. 
3 ) The person used an address I lived at back in XXXX? XXXX? ( I have not lived in that city since XXXX ). 

I received a Fraud Investigation Form from Synchrony Bank on XX/XX/XXXX. I filled it out and faxed it on XX/XX/XXXX. They sent another letter to me XX/XX/XXXX saying the investigation was closed because they did not receive the fax in time. I contacted Synchrony Bank and they re-opened my case ( they said mail was slow due to COVID-19 ). They then suggested also filing a claim with the FTC. When I went to the FTC website it brought me to this website. 

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 non-monetary relief
Consumer complaint received 2022-02-03
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Dear Navient formally Sallie Mae, After my Dad finished settlement with you over my Law School loans that were originally in my name, but after I tried on numerous occasions to get a copy of my loan agreement from you, You decided to fraudulently start sending him bills for my law school loan, thus ending up in settlement, which you lost, and during that period of settlement, You we're allowed to obtain control of my XXXX loan that was currently being managed by the Department of Education. 
You then amped up my interest, royally XXXX  my credit, and refused any settlement offer. 
Having no choice, and knowing that I was being punished by You, because my deposition in the case my Father brought against you was key to bringing you to your knees in humility, I scraped and borrowed and used everything I had to pay you {$35000.00}, for an original loan balance of {$12000.00}. I knew after having dealt with you before, that I was just a spec on your XXXX. Thus, also knowing that every day you were in control of my student loan debt, that dollars upon dollars would continue to mount in interest and I would just be further under your control. Thus, I paid You off!! In full. And even complained to the department of education about all the extra interest, but to no avail. 
But even after that, my dept I had to you is still being reported as current to other lenders trying to offer my student consolidation loans. Even the three credit agencies have still been reporting my debt to you for 5 years after I paid it off. 
And the icing on your cake was never delivering to me my 1045 - 1049 IRS form so I would recoup what amount of interest I had paid to you.. 
So after all of these unscrupulous wrongs to me, I am now coming for you. Your wicked ways have escaped justice for too long. I am strong, and I'm back to cut off the head of the evil money grubbing monster. You have somehow managed to escape regulation and oversight from the United States Federal Government. You will suffer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion is violating my rights under the Fair Credit Report Act. Transunion has Family Trust Federal Credit Union three accounts XXXX XXXX XXXX reporting a past due balance and late payments. This is violating against my rights under the FCRA. I have disputed this account multiple times. They are still not fixing the inaccurate 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 non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraud Department : Remove fraudulent accounts from my credit report.

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 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
on XX/XX/21 I sent a letter regarding Violations for unauthorized items/accounts on my consumer report. Pursuant 15 USC 1681a ( 2 ) Permissiabe Purpose of Consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am deeply disturbed by these fraudulent acts and I am demanding these items be removed from my consumer report immediately. or I will be seeking litigation. theses fraudulent violations have caused me to go in distress and I demand they be removed promptly.

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