BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-16
Company: The Savings Group, Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX, I had requested a Rate from Rate Genius. It was not clear by requesting a rate that a hard pull would result from my request. I was under the impression that I was only getting a preapproval. 

On XX/XX/XXXX I got a notification from XXXX XXXX that my credit was pulled which resulted in a hard inquiry. 

Informed XXXX XXXX at rate genius who informed me that on XXXX XXXX there was a check mark that I needed to click if it was ok to do a hard pull. Informed him I wanted the inqury removed because I was just looking for a preapproval. He refused. 

All I wanted was a preapproval not a total approval. I was just shopping rates... not looking to close which is further evident that I did not upload the required documents for a full quote on their website ( Proof Of Income etc ) How could they pull my credit without having all the facts?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: SYNCHRONY FINANCIAL
State: IL
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:
paypal master card ( synchrony bank ) : I have tried to make payments to my paypal mc three times in the last 3 weeks, and although there is available cash in my checking account, paypal has rejected the payments : XX/XX/2021 {$30.00} payment rejected, XX/XX/2021 {$75.00} payment rejected, XX/XX/2021 {$49.00} payment rejected again! 

I spoke with different representatives, but, they had no answer! 

I am having a lot of issues with Synchrony Bank lately! I do not understand what is going on. I have always made all my payments on time ; I have never ever been late at any time and now this ; this should be illegal! If Synchrony Bank is rejecting my payments, now what, eventually they will report me to the credit bureaus as delinquent?

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 2021-09-11
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hi. 

I checked my chase account on XX/XX/XXXX and saw fraudulent charges. I promptly called Chase and told them they were not authorized nor from me, as its fraud. The customer service representative disputed said charges but made me pay a stop payment fee which I thought nothing of at the time. They also scheduled me an appointment the next day to close my current checking account and open a new one, which was fine. At XXXX I entered my local Chase branch, where the banker opening this for me was very confused. He said I should not be charged a stop payment fee as it is fraud, also we both we extremely upset to see that chase deemed my fraud charges as authorized despite them not clearly not being. We both contacted the claims team at his desk and said it is fraud, and was not authorized. They agreed they would credit my account due to this. Later that night I noticed an inquiry via XXXX XXXX which was not authorized by me to take a loan and immediately froze my credit and filed a police report to my local department regarding the website my money was taken from. Today, XX/XX/XXXX I have now received a secure message from chase stating that upon investigation the charges were authorized from me. However thats impossible. I gained access to the account on the website that took my money and the address is not mine, the number is not mine and neither was the email. Nothing besides my name was me. Chase is refusing my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
After sending information to verify myself with my disputes, I sent a follow-up dispute ( XX/XX/2019 ) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX paid in full XXXX XXXX   XXXX never late XXXX XXXX XXXX paid in full XXXX XXXX {$0.00} not mine

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 2021-05-05
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company AllianceONE is non stop calling me and others they found numbers to that are related to me and they were sending the debt " owed '' to a address that does not exists. Once I contacted them I gave them the CALIFORNIA address and they conned my mother into paying. ( I DO NOT RESIDE IN CALIFORNIA ) All while I had the ticket and all documents submitted to the court house showing my hardship and my health condition. Once again they started harassing me saying I " owe '' more debt. The employees are rude and tell me I HAVE NO OPTIONS literally saying TOO BAD I HAVE NO CHOICE BUT TO PAY. I already suffer from XXXX and XXXX  and these company is SERIOUSLY THREATENING my health even more. I not only reside in a different state, but them threatening to take my license, send me to collection, BASICALLY telling me they dont care and my HEALTH doctors appointments and COVID are beyond cruel and inhuman. This is abuse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-29
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:
All of XX/XX/2019 XXXX/XXXX keeps reaging a debt even though they sent me a 1099-C and debt cancellation letter agreeing there was a {$0.00} balance. Now they are adding a balance past due monthly, even past the statute of limitations here in North Carolina, constantly reporting a past due balance of {$2000.00} to my XXXX report, Transunion report, and XXXX report. They only temporarily fixed it after I first complained but then continued these practices on my credit reports. This is my second time trying to get help with this company reporting a balance even though they stated to CFPB and myself that they willl report a XXXX balance and fix that false past due reports years later. I want all the past due removed from my XXXX and XXXX reports as soon as this is received and I want the {$0.00} balance to show on these reports. I shouldn't be charged taxes with a 1099-C then suddenly it is past due even being a very old debt that they promised to remedy assuring a reporting of a {$0.00} balance.

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 2021-09-11
Company: Experian Information Solutions Inc.
State: WI
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: Problem getting your free annual credit report

Complaint:
i have tried numerous times to to reach out to XXXX and they dont get back to me.

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 2019-04-17
Company: SYNCHRONY FINANCIAL
State: IL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
The problem is with Synchrony Bank. The proper forms to request IRA required minimum withdrawals were mailed to Synchrony Bank. They acknowleged receipt on XX/XX/2019.I called on XX/XX/XXXX, to determine the status of my request, and was told processing takes 3 to 5 business days.The XXXX was, of course, already the 5 day nad the transaction had not yet been processed. On checked on line today, XX/XX/XXXX, and found the transaction had not yet been processed. In, addition, I was told the transaction would take place within the next three business days. I asked to speak with a supervisor and was told I would receive a call back within two days. 

I have a major concern : doesn't Synchrony have the funds available for disbursement : do they have a liquidity problem : are they in danger of failing? 
Secondly, what type of customer service service is this?

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 2020-05-05
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:
I Have been a Victim of Identity Theft

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 2021-09-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX which is the underlying corporation for XXXX XXXX XXXX claims that as of XXXX no payments have been made however below is the information that was on the back of my XXXX check number XXXX written on XX/XX/XXXX for the amount of {$180.00} deposited into XXXX XXXX XXXX and check XXXX written on XX/XX/XXXX deposited into XXXX XXXX XXXX. I disputed it with Experian which is the credit agency that I use to keep tabs on my credit report. XXXX XXXX XXXX is failing to report proper payments made for my XXXX XXXX XXXX clean me no payments have been made even though I have copies of the deposited checks. Since they fail to recognize the payments which I have made and of proof via XXXX deposited checks into their account I don't know if it is considered theft since they are claiming I owe money paid and they refusing to acknowledge the payments however they have kept the money or if it's fraud for lying that they have not received the money again when I have copied of the XXXX deposited checks into their accounts. 

Claims payments not made have copy of checks deposited in creditors account XXXX XXXX XXXX XXXX for {$180.00} on XX/XX/XXXX check XXXX & XXXX for {$150.00} on XX/XX/XXXX check 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 2019-04-17
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We closed on our home on XX/XX/2018. We did not receive the closing disclosure until 2 hours prior to closing. At that point we realized that there were a lot of fees and were not explained before. We had no choice but to close because all of this happened 2 hours before the closing. Now we find out that the lender under your guidelines had to provide us with the closing disclosure 3 days before the closing, If they had followed your guidelines we would have had time to find another lender. 

This lender charged us 5.875 % in interest which was " reduced '' because the lender made us pay {$2600.00} in points. We never knew about these points until 2 hours before the closing. In addition the lender added {$2100.00} towards pre paid future utility water payments. We were told that since we used a grant this money had to be used in one way or other and it could not be applied to other closing cost or to reduce the loan amount. Then after we moved in we were informed by the water utility company that the previous owner owed money ( there were no liens against the house ) to the water commission and they kept the money. We never received the credit for the {$2100.00} pre paid towards the water. Basically that money went to the seller without our knowledge until after we moved in. 

We feel that we were deceived by the lender. They did not follow federal guidelines and all of a sudden, 2 hours before the closing, they came up with {$4800.00} in additional costs at which point we had no other choice than to pay or lose all the money we had invested in purchasing our first home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: JPMORGAN CHASE & CO.
State: MI
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:
I have these inquiries on my credit report that I did not authorize, nor do I recognize. I am in the middle of having a home built and have not requested, or applied for any credit over the past 11 months per my mortgage lender. The inquiry, or inquiries, on my credit report were made without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have had to review my checking account for legal reasons in fine detail ... I dont have an account with Syncb Payment XXXX Georgia ... They have charged me {$100.00} on XXXX 2018 ... I have had hacking into my email, account and now also my checking account with XXXX XXXX XXXX Kindly address this issue, 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
Consumer complaint received 2021-10-09
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently checked my credit report and I saw Monterey Collection Services for the amount of {$420.00}. 
I dont know this company I never done business with this company this company doesnt have any written signature of mine or any kind of contract with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX violated my rights.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions

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 2017-11-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this 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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account.XXXX   XXXX {$2000.00} XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX {$2400.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$140.00} XXXX   XXXX {$860.00}

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 2018-03-22
Company: EQUIFAX, INC.
State: WA
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/XXXX I called XXXX  to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one on XX/XX/XXXX. I have verified this with Equifax.

I began calling XXXX  and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called Equifax and was informed that only the company can resolve it.

After many more unsuccessful calls to XXXX, I was put in touch with XXXX XXXX  in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX  at XXXX indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( Equifax ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Diversified Consultants, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XXXX XXXX I noticed a collection account had been placed on my from Diversified Consultants. This was the first time I 'd heard from them about this debt. That same day I sent a debt validation letter via email as they said this was how they communicate. On XXXX XXXX, I received a letter asking me to fill out a form for identification fraud claim I made through the credit bureaus which I never did. Also, on XXXX XXXX between XXXX and XXXX XXXX I called Diversified Consultant to discuss the papers sent to me about this fraud claim. A phone agent claimed I had no right to a debt validation letter from DCI, because it had been past the 30 day window of time from their first contact, after that they proceeded to make an attempt to collect on the debt from me by telling me I had only two options which was to pay the debt or make a claim that I have no intention of paying it. They also continued by claiming that I had received DCI 's initial letter though it was n't sent certified mail. I told them that I had not received the initial letter, the phone agent accused me of lying implying that I had received it, the phone agents implication was an attack on me in order to disgrace me.

They further continued by stating I had no rights to dispute this debt anymore because the original creditor told DCI it was valid, which I still have no proof of. They continued trying to collect on a debt by bullying me, despite the fact I still had not received debt validation, and demanding I remit payment or make a statement acknowledging the debt by refusing to pay it. When I kept insisting that I 'd like the information that I requested from my debt validation letter they hung up the phone in my face.

These actions by DCI are grossly negligent and against the Fair Debt Collection Practices Act. A collection agency may not use any false, deceptive and misleading means in connection with the collection of any debt. Nor can they use implication that the consumer committed certain conduct in order to disgrace the consumer.

Company response to consumer: Closed with non-monetary relief