BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-02
Company: Ditech Financial LLC
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: Account status incorrect

Complaint:
DITECH IS FAILING TO REPORT TO CREDIT REPORTS FAIRLY AND OUTSIDE THE GUIDELINES. THE STATUS SHOULD BE REPORTING JUST LIKE XXXX SEE ATTCHED REPORTS. 

PAID IN FULL, CLOSED AND TRANSFERRED LASTLY DITECH AND ALL TRADELINE ARE FAILING TO REPORT TO XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRUIST FINANCIAL CORPORATION
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:
I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH XXXX ABOUT XXXX XXXX AND SUNTRUST BANK ( NOW TRUIST ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. XXXXXXXX XXXX AND TRUIST HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME MENTALLY TO WHERE I ALMOST HAD TO SEEK MEDICAL ATTENTION. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT TRUIST ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.

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 2021-04-16
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
made a purchase on XX/XX/20 online in the amount of XXXX was suppose to b delivered was notified by phone they didn't have all the materials to complete the order so i cancelled the order. Then i called lowe 's store in XXXX  ct placed the exact same order they delivered it i ended up buying 2 much of some things so i returned what was leftover. I have only received partial refund from the first order in the amount of XXXX i am disputing XXXX which has been going on for over a year

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 2019-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING INQUIRIES FROM MY CONSUMER 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 explanation
Consumer complaint received 2018-01-18
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Today I received notification that my Equifax credit score dropped 62 points. I pulled my report from their website this morning and discovered seven ( 7 ) open credit cards were deleted and one ( 1 ) installment loan. How do current/open trade lines just disappear from a credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 I sent a letter to Experian in regards to a collection account that appeared on my credit report from an account that I paid in full with the original creditor already! This is ridiculous and I need this rectified so that I can buy my home in 3 months. It has been more than 30 days and I have not received a response yet.

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 2021-10-18
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The closed account reflects a late payment that was never late. The creditor has not removed the late payment nor deleted the 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 2017-11-02
Company: Kashia Services
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was contacted by an employee who works in payroll for my company. She asked if I authorized XXXX from XXXX XXXX to garnish my wages. I responded that I certainly did not authorize this and that XXXX XXXX definitely did not have a court order authorizing wage garnishment. I asked for a copy of the paperwork and she forwarded it to me. I 've attached a copy of the " Wage Assignment Demand Notice. '' I 've placed " XXXX '' in place of my name and personal information along with the name and address of the company I work for. I can provide a copy of the unedited wage garnishment if requested along with the email from the Human Resources professional in my company who originally received this notice. Thankfully, my payroll department did not process this notice but I 'm concerned that other companies with less experienced payroll processing may have fallen for this illegal tactic. 

I am still considering my legal options here as this appears to be a very clear violation of the Fair Debt Collections Practices Act. I suspect this is a common tactic with this creditor as a quick XXXX search reveals many other people who have fallen victim to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2006, a Judgement was filed in the amount of XXXX by XXXX XXXX XXXX, who purchased the debt from the original consumer credit card debt, XXXX XXXX. LVNV Funding purchased the debt from XXXX XXXX XXXX XXXX. 
Since this transaction, the debt has been sold four times to third parties, and each time they attempt to revive the judgment and add {$1400.00} ( moreover, a 74 % increase ) in interest for a total amount of {$3400.00}. 
I am filing this complaint against LVNV Funding LLC and the current representing legal group, Resurgence. The company and firm have violated my rights under and according to 735 ILCS 5/2-1602 ( a ). Plaintiff has inflated the amount over the allotted statute, broke the timelines for the revival of a dead judgment, and has continued to harass without verifying the debt is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed and I still found multiple inaccuracies on my credit report. I have sent multiple letters to these 2 credit bureaus but never did I receive any correspondence. I have been asking for proof that these account in my credit report is reported truthfully yet nothing has come to light and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, they need to remove it from credit report. I'm tracking all of the letters I have sent and these unverified accounts affects my scores badly.

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 2022-08-05
Company: JPMORGAN CHASE & CO.
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. I received notice from my mortgage company ( Chase ) on XX/XX/16 that my monthly mortgage payment was increasing by {$780.00} per month due to a shortage in my escrow account. Upon researching why this happened, Chase acquired my mortgage from XXXX XXXX ( who I originally took the mortgage out with ). Previous property tax bills had always been quarterly, yet Chase made an annual payment creating the shortage. I reached out to Chase to explain why the shortage was there and try to figure out why my quarterly property tax payment was paid in one lump sum instead. I asked that the repayment of the escrow shortage be stretched out over a longer term as a {$780.00} per month increase is ridiculous and unaffordable. Chase 's reply was that I could write a check for the full amount of the shortage ( approx. $ XXXX ) to reduce my monthly payment or I could repay a portion of it and reduce my payment as well, but they would not extend the length of making up the escrow shortage. This is despite the fact that they changed the way the escrow account was managed from my original mortgage company. ( They've since said they'll pay the taxes from the account quarterly, but I have to make up this escrow shortage over the next 12 months ). Having never been late on a mortgage payment, I find the inability of Chase to extend the time period to cover the escrow shortage ridiculous. Expecting someone to pay an extra {$780.00} due to a mix-up on Chase 's end is unacceptable as well. We're now forced into trying to figure out where we're going to come up with this extra money each month so as to not lose our home. I understand mortgages can be acquired from who you originally take the mortgage out with, but the terms/managing should not be altered to the extent a monthly payment increases {$780.00} per month!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Our credit card company is not honoring its cardholder agreement, which states that the holder is not liable for unauthorized charges, as long as the items in question are pointed out to them.
In XXXX  2017, my XXXX-yr old husband took a 30-day free trial from XXXX XXXX XXXXor a product that promised to help him prevent muscle loss from losing weight per doctors orders.
He never received any product from XXXX XXXX, but numerous different companies with different addresses and brand names continued to send him products he never ordered. He tossed all the products sent to him into a box. In XX/XX/XXXXhe asked me why his XXXX XXXX XXXX XXXX  balance seemed to be very high. I reviewed all the statements and found these various companies had all been charging large amounts for all this snake oil. I suspected that XXXX was selling his credit card number.
The sudden XXXX sent my husband to the hospital with a XXXX XXXX XXXX. After the immediate crisis was over on XX/XX/XXXX, I contacted the first merchant on the list and asked if they were sharing our credit card number. The agent told me they are all one company. When I asked for a refund of all charges and offered to return all their unused product, he hung up on me. This happened two or three times. I then contacted the credit card company to dispute the charges, report fraudulent activity, and give them my suspicions of the sharing of credit card information between companies.
They took down all the information and said it would take 30 days to investigate. They did not change the card number and unauthorized charges were again made on the account. The credit card company received a pile of poor copies from the merchants website and claimed since the merchant proved the charges were authorized they would not refund the charges.
Ive appealed this twice now and been put off 30 days each time. I pointed out that the printouts from the merchant did not show any evidence that my husband reviewed or selected any of their terms and conditions, etc. I finally had to demand that they change the card number, and they finally did so.
I think the merchant has been performing unfair, deceptive and abusive practices, and that the credit card company is aiding and abetting this fraudulent scam perpetrated against a senior citizen.

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 2017-12-28
Company: TCF FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX never notified me sending my escrow balance check. I followed up with them repeatedly and their departments are giving me run around. It has been more than month and a half and I am still struggling to resolve the issue. Last I spoke with someone named XXXX from payoff and she rudely denied any responsibility by the bank. I need my escrow balance check mailed ASAP. This bank is managed by absolutely worst people and they have 0 customer care.

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 2017-11-02
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
cra violation sent police report and all inaccurate information XXXX pd number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: WA
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:
XXXX has downgraded my crdit score from XXXX to XXXX. All the other credit reporting agencies still have mine in the XXXX area. XXXX has recently been reported having incorrect credit scores that have adversly affeted consumers. 
Looking at the details in XXXX on my report, nothing significant has changed and and everything is reported that all payments are on time and no bad debt. 
Wht can I do to have them fix my credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
cra violation sent police report and all inaccurate information XXXX pd number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. 
Failure to do so is a violation of my rights.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
PLEASE SEE ATTACHMENT. YOU HAVE UNTIL XX/XX/XXXX TO ANSWER MY DEMANDS. YOU ARE BEYOND YOUR VIOLATION OF 15 USC 1681c-2.

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 2017-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I applied to refinance the remaining balance of a 2nd mortgage ( XXXX XXXX ) in XX/XX/XXXX which was denied due to incorrect information being reported from primary mortgage lender. I continue to make payments and have never missed a payment but in XX/XX/XXXX XXXX  charged the account off as a bad debt. My credit accounts should reflect, " charged off, paying as agreed, '' but does frequently does not. XXXX has been contacted regarding this issue at least twice, once in XX/XX/XXXX and once in XX/XX/XXXX.
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect account reporting as charged off, paying under a partial payment agreement.
In a letter dated XX/XX/XXXX in response to my letter to XXXX regarding inaccurate reporting, XXXX stated that they found that they were reporting inaccurately and would send corrected reports to the Consumer Reporting Agencies to reflect Account reporting as charged off, paying under a partial payment agreement with all credit marks removed after the charge off date in XX/XX/XXXX.
I applied for a mortgage loan in XX/XX/XXXXof this year and was approved for same pending appraisal and final underwriting. I am now in receipt of a loan denial because XXXX is still reporting an inaccurate charge off date and is not reporting that the loan was charged off and paying as agreed.
XXXX was contacted via USPS and via CFPB, according to XXXX  they are reporting to that credit bureaus that my account is " charged off and currently paying under a partial payment agreement '' and that " XX/XX/XXXX is the charge-off date. '' The letter went on to say that the problem lies with the credit agencies.

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 2017-11-02
Company: ZWICKER & ASSOCIATES
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
PLEASE BE INFORMED THAT I FILE BANKRUPTCY ON XXXX XXXX, 2017, CASE NO.XXXX.SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We applied for a manufactured home loan in XX/XX/2021 with Wells Fargo. And many things went really bad. But we had to pay up front for an appraisal. And when I expressed my concerns that he was an individual and not a company and he did not like manufactured homes, they were suppose to switch us and after months, it was well if you don't want to use him, this may take a lot longer, by this point it was almost XXXX. Well needless to say he was awful and arrogant and of course low balled our appraisal. And Wells Fargo not only was allowing him to use old comparisons, but did nothing to stand up for there potential customer as they promised! And then went on saying we needed a structural engineer report. Well I ended the loan process there. I wasn't giving them another dime of my money. And I filed a complaint to get my money back. I called the complaint department several times and never recieved a call back. But I was sent a copy of the appraisal and a old loan estimate, showing the engineer survey added. They just did all this to cover themselves and say well we told you! You don't do deceptive things, then tell a person you feel everything was legitimate, and are not refunding there money nor give them call back. This is just some of the bad I experienced with them. I have since been using another lender and have a new appraisal that is WAY higher!! This is discrimination of a manufactured homeowner!! If your going to say you'll do loans on them, then have appraisers that are supportive and know that my homes not a piece of junk!!

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 2018-09-19
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 
XXXX. Robocall regarding debt on XX/XX/18 @ XXXX. 

I have constantly received these Robocalls for over a year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Reliant Capital Solutions, LLC
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Reliant Capital Solution XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX has been sending me collection notices in the amount of {$2200.00} the collection has bin reported past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with signature.

Company response to consumer: Closed with non-monetary relief