BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I used my card to attempt a cash advance on XX/XX/XXXX, the three amounts were XXXX, XXXX, and XXXX. All three were denied at the POS but the funds were deducted from my account. The manager on duty gave me the batch report to send in so that i could show that no cash was approved for payout and that I received nothing for the attempted transactions. I filed the dispute that evening when i got home, faxed the dispute in that same evening also to make sure that the company had it before the 10 day time frame. They received the fax XX/XX/XXXX and I recieved the letter in the mail dated XX/XX/XXXX on XX/XX/XXXX and which time, just to be certain, i faxed the information in again. It clearly states on their dispute resolution form that if recieved within 10 days of the initial call provisional credit will be applied on the 10th business day. The 10th business day was XX/XX/XXXX. There was no provisional credit applied to the account and i spent over 6 hours on the phone being transferred to 8 different people. I was told that they never recieved my documents buy one rep, told that they make the decision if a credit is given by another, that i had to wait until the 13th business day by another, that my dispute has not been worked yet but another, and when I requested to speak to someone in management I was met with resistance and told they would tell me the same thing. I followed all the steps in Regulation E, however this company has  and is not. They are making up when and how they apply the rule, and each time its a different story with someting different. I gave them them the documentation from the business showing that no money was given to me and that they did indeed remove it from my card, and now they are violating the law and still withholding it. That is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are some items listed on my credit report in which I did not authorize any credit pulls, or that those accounts belong to me. Additionally, there is an address on file in which I have never lived at. Please remove them.

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 2021-08-17
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: P.S.C., Inc
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I already stated that I had full medical that should've covered the cost the time of the situation. They know when customers have full coverage on medical but did not do their job to process customer 's medical instead they want to charge and bill for something we shouldn't be billed for. This is ridiculous.

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 2021-04-24
Company: LOBEL FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Lobel has been reporting inaccurate information to the credit bureaus and on multiple occasions they will fix it and then the next report they will revert back to the previous reporting. They have also had major gaps in reporting and then tack on added unspecified fees to the account. I have asked to verify these fees added to the Charge off and it has yet to be sent. They also are reporting inaccurate dates and amounts paid and owed. I request that this account be removed immediately because of the unethical reporting and failed communication from this company. I have not received one letter in regards to this charge off since the car was picked up in 2019 after 45 days! This is ridiculous and should be looked at the way this company conducts business. The amount of times i have had to dispute these false reportings ' has continually been a burden to my credit and affecting my credit history in a major way. This company should be shut down indefinitely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are some items listed on my credit report in which I did not authorize any credit pulls, or that those accounts belong to me. Additionally, there is an address on file in which I have never lived at. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are some items listed on my credit report in which I did not authorize any credit pulls, or that those accounts belong to me. Additionally, there is an address on file in which I have never lived at. Please remove them.

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 2022-08-08
Company: BSI Financial Holdings, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was transferred to BSI XX/XX/XXXX. The old mortgage company transferred our Escrow Refund ( by mistake ) and Insurance Cancelation check ( since our mortgage was transferred to another lender they canceled the policy ) to BSI and it was to be refunded to but never was, i tried for 7 months calling every week to get it handled and it never was, all they kept doing was opening tickets i tried to explain to them what was going on they said on i see it in here let me open a ticket the next week i would call back and do the same thing with a different person. finally i sold my house, frustrated and sick of dealing with both these horrible service companies but never received the XXXX. XXXX escrow refund from XXXX, {$1700.00}. insurance refund from XXXX, the refund for the new insurance BSI put on our house eff XX/XX/XXXX that should be canceled now since we sold it and the escrow refund for XXXX {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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/2018, XXXX inquired into my TRANSUNION and XXXX  credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.

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 2018-06-08
Company: Credit Management Services, Inc.
State: NE
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, Credit Management Services ( CMS ) sent me a notification of a debt. On XX/XX/XXXX, via USPS certified mail, I sent a request of debt validation ( letter attached ). On XX/XX/XXXX, I received a certified letter from CMS containing a summons, stating that CMS has filed suit against me in XXXX County ( Nebraska ) Court. The court assigned case ID XXXX XXXX XXXX. To date, I have not received the requested and required debt validation from CMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: Mr. Cooper Group Inc.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are supposed to close on the sale of our home Monday XXXX. Our closing agent found out that we have two lei holders. We refinanced with Mr. Cooper in 2017 but XXXX XXXX  never was taken off as leinholder. XXXX XXXX  says we own nothing and Mr. Cooper should have removed their lein. Mr. Cooper says XXXX XXXX  should have done it. I am about to lose the sale if this isn't cleared up. I have spent many hours trying to resolve this with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
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:
Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wanted to review my credit report again. After carefully reviewing it I noticed a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I've reached out to the FTC and to local police department and I am doing this all on my own.These items are not mine and I have no idea how this happened but these items need to be removed from my credit report.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 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 2018-06-08
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX has been trying to collect a debt that I do not owe. I recently checked my credit reports and it seems that it was a XXXX account that I had back XX/XX/XXXX. I had a prepaid account and did not have a contract with XXXX. I stopped using XXXX services XX/XX/XXXX. All phones and equipment was paid in full and cash Back XX/XX/XXXX. Now it shows that I have two accounts with XXXX one where I owe {$190.00} and the other states that I opened the account XX/XX/XXXX and owe {$780.00}. I do not owe any moneys to XXXX or XXXX XXXX XXXX for I never had any contracts and paid all my equipment in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My one bank account was over drawn and they transferred money from a different account w/o notifying me and kept checks in hold for over a week causing several bills including car payment, mortgage, credit card, and electric bill to bounce becoming overdue since I did not notice. They the froze my accounts after they removed one payment and placed it into the over drawn account that would have one of my direct deposits suited next week to cover the amount. It was an accidental deposit of checks we didn't realize were already submitted and I had that account for almost 9 yrs with no problems. USAA is mad b/c my spouse and I had over XXXX of attorney fees and had to file bankruptcy which included a lian my spouse took out in my name for XXXX in which he paid XXXX a month for first 24 months and could only pay the XXXX month but somehow still owed XXXX so I told him to place it on the bankruptcy. USAA pretends to help veterans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: Synovus Bank
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX, my wife and I migrated to overseas. We left a savings account with a bank and also an office which was rented out to a gentleman under a provision that he would purchase same building. A year before leaving I had applied to the bank for a line of credit which I subsequently did not use as the XXXX XXXX XXXX decided not to go through with the project. I had subsequently done business with the bank and did not owe them any monies at that time. While away I kept in contact with the renter of my building. On one occasion he told me that he has been harassed by the Bank because they claimed that they wanted their building. This came as a surprise to me as I neither owed the bank any money nor did I use the Line of Credit for which I had applied. Subsequently, they evicted the gentleman from the building. XXXX, he suffered an XXXX XXXX and died. He was found in another building across the street from where the office was located. I returned to the XXXX in XXXX and went to the bank to recoup my monies that was lodged there only to find every penny was taken out. Discussions with a bank manager ensued in which she told me that I had redrawn the monies. I asked her for the evidence that that was so and she told me to return later. Upon my return, no one could account for her whereabouts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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/2018 Capital One for the second month in a row did not credit my payment. I pay thru my bank online and pay on the same day as the bill is received. Capital One was the only creditor that did not seem to be able to post my payment on time. I closed the account via the telephone call. I was very leary that the amount they wanted was correct however I paid what they asked and told them I wanted a full accounting. I talked to them many times about a check for {$100.00} and a check for {$20.00} They never gave me a full accounting and when I tried to cash the {$100.00} check they stopped payment on it causing bank charges and still have not received a full accounting on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-16
Company: EQUIFAX, INC.
State: IN
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:
XXXX XXXX has fraudulently been using my SSN since XX/XX/XXXX and in XX/XX/XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

Equifax & XXXX  wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XX/XX/XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX  and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

Equifax 's site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to XXXX, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please correct all the dates that the account is showing delinquent when it is not for me and my cosigners as well. One date that is wrong is XX/XX/XXXX. It shows late payments when it was not late. Please correct the late payments between the year of XXXX - XXXX for me and for my cosigners as well.

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 2018-04-06
Company: WELLS FARGO & COMPANY
State: FL
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:
My credit limit was lowered from $XXXX to $XXXX  because Wells Fargo got a report from a credit bureau that told them my limit should be lowered. I never made a late payment or have a bad score and this should not have happened. Not to mention that I did not allow credit bureau to share any information with my financial institution.Wells Fargo representative stated that this was caused by late payments I made to some other lenders, but I never had any late payments, but she could not see what or where, and was just following direction from the credit bureau. She could not even share that report with me, which I am pretty sure was illegal.

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 2019-07-12
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:
XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 5 and 6 of the  attached credit report. ) I have already called XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue, but have been unsuccessful. This negative reporting is harming my credit score.

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 2018-07-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/14 I tried to access my account through XXXX XXXX but the bank that I was trying to access does not let outside applications get information about my 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 2020-06-30
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and 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