BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
For more than two years, reporting this account as fraudulent, firstly through XXXX and through Synchrony with whom I have cooperated directly via telephone and through affidavises including copy of my driver 's license, copy of Police report and sworn statement before a public notary, even so they continue to report this Sychrony/XXXX  account # XXXX fraudulently opened XX/XX/XXXX with a postal address, telephone number and apartment not associated with me as VERIFIED VALID " which is completely Wrong, not even payments and purchases are not related to me or my bank account, as we were able to verify through the documents that Synchrony Bank keep on record and were sent to me as part of the results of the dispute of XXXX / XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/2020- I reported NetCredit to the XXXX  because they repeatedly lied to me on multiple platforms. XX/XX/XXXXwas also the day they sent me an email saying they could no longer help me because I did not submit the proper paperwork. ( This was the lie ) After speaking to a customer service representative on XX/XX/XXXX, they told me the only way I could get my loan read was to resubmit my application. I told them I did not want to and wanted to speak to a manager. 

XX/XX/2020- In my middle of the night, they read my application, gave me my verdict, and pulled my credit score. I did not permit them to do this or reapply as they told me I had to do. This, to me, is now a legal matter because I did not give them consent to pull my credit score. The only way they would have pulled it is if I reapplied, which I did not, or if they reapplied for me, which I did not permit them to. It is a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: JPMORGAN CHASE & CO.
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
As of Wednesday XX/XX/2018, JP Morgan Chase has closed all of my credit cards. This is the 3rd time this has happened and for no reason. I have never missed a payment and always paid my bill way ahead of the statement. My credit is 100 % perfect in payment history and always have had a healthy usage. I am a XXXX year old managing my credit to the best of my ability and have not done anything wrong. I am utterly confused as to why Chase is targeting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: SYNCHRONY FINANCIAL
State: NC
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 I learned that my identity had been compromised and an authorized account had been opened in my name. I reviewed my credit report and found that, in addition to the unauthorized account, there were 4 unauthorized credit inquiries on my credit report. 

On XX/XX/2018, I wrote and mailed a letter to each of the creditors and explained that their inquiries were unauthorized. To-date, this has not been resolved and the inquiries are adversely impacting my credit score. 

FCRA requires furnishers to report accurate information and Reg B requires permissible purpose to pull my credit. None of the inquiries are accurate/authorized and neither of these companies had a permissible purpose. 

Further, a response is required in 30 days. I have provided enough information for both furnishers to complete a competent investigation, yet neither have corrected their mistake.

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 2018-02-27
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HUNTER WARFIELD A COMPANY BASED IN XXXX FL THAT ACTS IN BAD FAITH AND TRY TO USES BULLYING TACTICS TO PREY ON INDIVIDUAL ALL OVER, NOW THIS COMPANY WE WENT BACK AND FORTH WITH CORRESPONDENCE I STATED TO THEM TO IDENTIFY THEMSELVES PROPERLY THEY DID NOT THEY GAVE ONLY THEIR NAME AND THEY WANT TO COLLECT A DEBT, THEY PRESENTED ME WITH A DEBT IN 5HE AMOUNT OF XXXX, I DONT KNOW WHAT ITS FOR HOW THAT DEBT WAS CALCULATED I NEVER AGREED TO THAT DEBT WITH, ANYONE I ALSO TOLD THEM DO NOT REPORT ANY ADVERSE INFORMATION ON MY CREDIT FILE UNLESS THEY CAN PROPERLY VERIFY EVERYTHING TO ME THEY WENT AHEAD AND REPORTED THE INACCURATE INFORMATION ANYWAYS, THIS IS THE WAY THIS COMPANY OPERATES, THEY PRIDE THEMSELVES ON USING STRONG ARMING TO GET YOU TO PAY DEBTS NOT OWED, THEY NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP, THEY PROVIDE INFORMATION THAT IS SCKETCHY, INACCURATE AND INCOMPLETE ALL FCRA VIOLATION AND THINK THEY CAN ABUSE PEOPLE HOWEVER THEY WANT ... PLEASE REMOVE YOUR DEROGATORY LISTING FROM MY CREDIT FILE

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: Experian Information Solutions Inc.
State: TN
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 really do not know where to begin but to start by saying my credit reports are a train wreck. After filling a consumers complaint with the Consumer Financial Protection Bureau ( CFPB ). Things have gotten crazy with my Experian, XXXX, and XXXX  credit reports. 
Now suddenly Experian has me as my mother 's name and has my real name as an allis name. XXXX  has me as another name as well but with a different name, all females names. After filing disputes about them merging my mother 's credit file onto mines, the account has been removed but still showing my mother 's name on my consumer credit file. 
The ( CFPB ) told me that XXXX  said, and I quote The company responded that you may have been a victim of fraud. This has nothing to do with fraud but errors that these credit reporting has caused and the only thing they can say is fraud and not taking the responsibility of what they did to me. 
At first, I could not understand why I was been denied credit because from seeing my recent credit reports just last week, I did not see what I am seeing now. I fully understand now, why the FTC says that the FTC study found that about 25 % of consumers had an error on one of their credit reports, and 5 % were paying higher interest rates because of those mistakes. 
Now XXXX  is showing an L1 on my consumer credit report in a different name as well as Experian is still showing my mother 's name under my social security number. This is again, not fraud, this is their employees merging our accounts together. 
I personally have all of these : Name misspellings ( common when family members share similar names ), Duplicate accounts, Incorrect accounts, Fraudulent accounts, Information or accounts from an ex-spouse, Incorrect payment statuses, Outdated information ( like negative accounts over seven years old ), Incorrect date of first delinquency on a collection account and re-insertion of accounts I disputed and was removed years ago, XXXX. 
It is so amazing to me about what XXXX  is doing to me because I just sued them back in 2018 and won. Yesterday I just mailed off my disputes again to Experian, XXXX, and XXXX, not knowing what I found out today. 
I keep going through this with these credit bureaus, from suing them to filing disputes on constant basic but you would think they would at least try to do the right thing and not be so money hungry. Stop putting your employees mistakes on the consumers.

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 2021-10-06
Company: TD BANK US HOLDING COMPANY
State: MA
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:
What's the method used to verify this account? Please delete this account as it's in violation. Also, a collection account is by default of identity theft and therefore it can not be reported with collection/charge off. Please delete immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: Upstart Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Everyday around XXXX Arizona pst time UPSTART loans calls me and always wakes me up when I still dont have to be up for work yet. I know They are not suppose to call before XXXX XXXX  my time! But they always do! I have The screen shots of missed calls to prove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Consumer Portfolio Services, 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: Reporting company used your report improperly

Complaint:
NEITHER XXXX, XXXX  OR XXXX  have my consent to use my private intellectual property for their commercial use, they are guilty of consumer fraud, identity theft and possibly tax evasion. they have been asked to remove all bankruptcies being reported unless they can provide undeniable proof that investigation was done and that the bankruptcy court gave them accurate and verifiable information, which they did not. 
I have asked the bureaus to cease and desist from reporting any score that will make their score for me drop that is damaging to our name and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: AMERISAVE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi, I had applied for mortgage refinance with AmeriSave Mortgage Corporation NMLS ID # XXXX on XX/XX/XXXX, based on discussion and loan estimates from XXXX XXXX XXXX Loan Originator NMLS ID # XXXX. 

I was asked to pay an Application Fee of {$500.00}, which we paid on XX/XX/XXXX, for them to proceed to lock our mortgage rates. I was told this application fee will be non-refundable and it was mainly to make sure I'm committed to proceed with Amerisave, which we were and it is evident in the timely manner in which we submitted all the documents they needed to start processing of our loan application. Even though sometimes, Amerisave choose not to answer some of our questions until we send multiple reminders.

Loan officer, XXXX, had clearly communicated that the initial underwriting process will take a week or two, and they will be able to lock the rate which will be the same or better than what we had signed-up for in the loan application.

Never did we suspect that {$500.00} application fee might have been a " hook '' to get us stuck with Amerisave, which seems familiar to their trade practices in the past when they were fined for " Bait and Switch '' policy, please refer to this link on CFPB website : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-amerisave-to-pay-19-3-million-for-bait-and-switch-mortgage-scheme/ Now, more than a month later, we see no progress in our loan processing or commitment to lock our rates. And when I reached out to the loan offiicer, XXXX, he was dismissive on any commitments to process the initial underwriting in 1 or 2 weeks and locking the rates for the loan.

When we asked them to stop processing our loan, which I don't have any evidence to what extent they did, and requested refund of the {$500.00} application fee ; he flatly refused to repay the {$500.00} fee and he wasn't bothered even when I said I will take this matter with CFPB or other consumer agencies. 

It is very evident that they tactfully duped us into believing that the rates they promised at the time of applying the loan will be locked, even though they made us sign paperwork that said the rates were floating rates, and the application fee of {$500.00} was meant to keep us committed the loan even though there has been no reciprocating commitment on their side!

I'm assuming we may not be the only ones in this situation, and regardless we'd like to take this matter up with CFPB to help us get back the {$500.00} application fee.

Please let me know if you need any further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dont know what this charge is i think it was my mothers but she is decease now Date XX/XX/2014 XXXX XXXX original Capital one Bank total {$740.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: EQUIFAX, INC.
State: PA
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:
Following account ( s ) are reporting incorrectly an must be removed immediately : Derogatory mark - XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX, Closed : XX/XX/XXXX I would like to be provided proof I consented to these accounts Via FCRA section 609 and 605 as well as the accuracy of these account via FCRA section 623. If you have no proof immediately of any or one, I would like them removed immediately. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Midland Credit Management sued me without ever sending me a letter to my current address with notice that I could dispute this debt. A default was entered fraudulently due to a motion for extension of time that Midland did not notify the Court was being filed. I am now waiting for my court hearing on a motion to set aside judgment. This debt was a SECURED account that I received years ago after foreclosure and bankruptcy, and I told the original creditor to apply the security deposit and close the account. The original creditor subsequently sold this debt to various debt buyers, and it ended up with Midland. The address on the Summons was an old address, and Midland did not bother to have their process server give them the new address and send me the required advance notice. They have sued me for hundreds above the credit limit. I asked twice for the contract and statements and I have been ignored by their attorney. It remains to be seen if the Court will overturn the judgment and give me time to answer. If they do not have the original documentation, then they came to court fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems , Inc is a debt collector for XXXX. In XX/XX/XXXX I moved from XXXX to XXXX and paid all utility bills in full prior to relocating. In XX/XX/XXXX I noticed XXXX added a collection account to my credit. I disputed this information with XXXX and provided my proof of payment in full. They removed their account but in turn sold the account to Transworld Systems , Inc in XX/XX/XXXX. In XX/XX/XXXX I signed up with a Credit Counseling company called XXXX and I provided Transworld Systems , Inc with a certified letter asking them to validate this debt within 30 days. They never provided the information but removed the erroneous information from all 3 credit bureaus. On XX/XX/XXXX, I received an alert from XXXX XXXX that a new collection account is on my credit and my score dropped 15 points. This new collection account is from Transworld Systems , Inc with an original creditor as XXXX. I have been disputing this for 4 years and initially XXXX removed it but sold it to Transworld Systems, Inc. I disputed with Transworld Systems, Inc and they removed it since they couldn't validate the debt and now this is the 3rd time this has appeared back on my credit file. I have not received any letters in the mail or received any phone calls from a live person to discuss this since I spoke with XXXX in XX/XX/XXXX. Transworld Systems , Inc and XXXX are working to erroneously add items to my credit without following any of the CFPB regulations regarding reporting delinquent information to the credit bureaus. Considering they removed the debt twice after receiving certified letters from me, proves the debt is not valid so I am not sure why they would legally be allowed under any CFPB or Fair Credit Reporting Act to continue to add erroneous items to my credit report after they have been disputed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: LEXISNEXIS
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Please see company 's response before I refute said false claims : XXXX XXXX XXXX indicated that the address associated with the claim 10 Page 2 XXXX XXXX XXXX, XXXX XXXX, NY was incorrect, and updated the address associated with the claim to : XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. XXXX XXXX XXXX also verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. We have updated XXXX XXXX XXXX . Auto report to reflect the corrected address provided by XXXX XXXX XXXX, and mailed a copy of the updated XXXX . Auto report to XXXX XXXX for his review. The address associated with the XXXX . Auto claim in question XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has been reported to LexisNexis by a variety of sources, including the nationwide consumer reporting companies, with XXXX XXXX name, date of birth, and social security number. The address was also included with XXXX XXXX social security number, as provided to our office via our online consumer disclosure portal when requesting copies of his consumer reports, and on the full bankruptcy docket for a bankruptcy XXXX XXXX filed in 2012 while residing in New Jersey. If XXXX XXXX believes the social security number we have on file for XXXX XXXX is incorrect, we encourage him to contact us directly so that we may verify his correct social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MD
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:
Credit ran an excessive when applying for auto after being told just one company would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-23
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:
I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX XXXX XXXXXXXX reported I was late 60 days both months to XXXX . The same company reported I was 30 days late both months to XXXX and Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have reported the inaccuracies to all 3 bureaus showing it is not consistent. On XX/XX/2020 and XX/XX/2020 XXXX XXXXXXXX XXXX  reported I was late 60 days both months to Equifax . The same company reported I was 30 days late both months to XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
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:
I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.

Company response to consumer: Closed with explanation