BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
IN XX/XX/2014 someone used my personal information and opened a account in my name I filed a fraud case back then. XXXX is reporting different incorrect this to the three credit reporting companies they are in violation of section FCRA623, FDCPA806 { b } which state that creditor MUST enter a notice of dispute, if this is not entered the account can not be reported on the credit report ALSO THEY DO NOT OWN T^HE ACCOUNT THEY ARE REPORTING AND IT IS NOT STATED WHO OWNS IT NOW THIS IS FRAUD ON THERE PART i have been fighting this for over 6 months now still waiting for XXXX to respond to this date section 611 is also violated. there has been no evidence that I personally made this account in which I did not.reporting accounts that you do not own is a violation and fraud in which will use in a civil case against you and go public in this matter please read XX/XX/XXXX Enclosed are copies of the reports showing the violations enclosed is the proof of fraud by the company this to XXXX who does'nt answer responses they sent working on a caseto CFPB but nothing, this is credit reporting violations by 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 2018-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These are part of a chapter XXXX bankruptcy and should not appear : XXXX XXXX XXXX Last reported : XX/XX/2018 {$21000.00} XXXX XXXX XXXX/XXXX Needs Attention Last reported : XX/XX/2018 {$0.00} On Payment Plan

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 2018-11-18
Company: EQUIFAX, INC.
State: FL
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:
I just got an updated credit score from XXXX and Equifax. I was able to get a loan to pay off credit cards and have a lower interest rate and monthly payment. Sure enough, my credit score has gone up. However, XXXX  increased my score by over 100 points, putting me in the " Excellent '' range. Equifax only increased my score by XXXX points, and I'm still in " Fair. '' This is completely wrong. If I need to buy a car or do anything else that relies on a credit score, I could get a MUCH better rate if the company checks XXXX  over Equifax. Our system is completely fouled up. I am a slave to the credit agencies, and they don't have any sort of system that is even similar to each other! How in the world has the US come to this point?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Synovus Bank
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXX, which you claim I owe {$320.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Diversified Consultants, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XXXX XXXX I called a number given to me by a XXXX store representative to talk about removing a collection from my credit report if it was paid in full. I had previously settled for less than the full balance but wanted to know if I was able to have it removed if I was able to pay the remaining balance. When I called the number on the phone a second representative and I went through a long processes of confirming my identity because the account was so old that I did n't remember any of my old security information. After I was eventually able to confirm everything I asked him if by paying the account in full the collection would be removed. He said that doing so would remove it so I paid the remaining balance over the phone then filed a dispute with each credit reporting bureau to make sure that the collection was updated and removed now that the full balance had been paid. Today I received the first results of my dispute from XXXX telling me that the collection will remain on my report until XXXXe 2019. It bothers me that I was misinformed by two separate XXXX representatives about the outcome of paying off the remaining balance and then the fact that doing so will result in no change whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Graduated from XXXX XXXX XXXX Bankruptcy filed XXXX - Have paid on Student Loans during that time. 
Borrowed {$36000.00}. Have already paid back more than {$80000.00} and they are telling me I still owe more than {$100000.00}. 
Someone please tell me how this is not extortion? Since when could financial institutions charge more than 4 times what they lent out? 
My student loans are currently paid in full 2.76 times what I borrowed. 

Upon request I am more than willing to provide communication and records of amount paid and amount still owed. I just need to see a light at the end of the tunnel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I WAS TRYING TO CLOSE MY CREDIT CARD ACCOUNT WITH THIS BANK ON XX/XX/2018.THEIR CUSTOMER SERVICE WAS VERY BAD. I WAS ON THE PHONE MORE THAN ONE HOUR. MY CALL WAS TRANSFER FROM ONE DEPT. TO OTHER. MORE OVER CALL CENTER WAS IN XXXX & THEY DID NOT HAVE ANY RESPECT FOR AMERICAN CUSTOMER.I COULD NOT CLOSE MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: WOOD FINANCE INC DBA PREMIER ACCEPTANCE
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I would like to report an unfair Business Practice. Every month Premier Acceptance XXXX XXXX XXXX XXXX XXXX IN XXXX call me on a daily basis while I am within my grace period concerning my car payment. I have had this loan for 2 years now and for the vast majority of my loan I have always paid on time or within the 10 days grace period. My car payment is due on the XXXX of each month and I was told that I have a 10 day grace period with which I utilize but I always pay my car payment on or before the XXXX of the month. I wrote a request on my XX/XX/XXXX car payment advising I would be making my payment within my grace period and I would appreciate if they stop calling me while I am within my grace period. But they continue to call daily while I am within my grace period Harassing me about a car payment and they also call my daughter who is also on the loan. I called today XX/XX/19 and spoke with XXXX to try and resolve this issue but he advised me they will continue to operate in the same manner and call me within my grace period. I asked him why do you even give a grace period if you're going to call and bug the customer about a car payment and not even allow them the time you have given them to make a payment first? He did not have an answer. I think this is a bad business practice and if you look at the reviews on there website you will see several complaints from Customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: TN
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 went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and 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 2019-05-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Multiple Wells Fargo credit accounts showing XXXX dollar amount owed but still open as active from the year XXXX to the year 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 2017-11-16
Company: CITIBANK, N.A.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
A Bank Card service did a check to see if I qualified for a 0 percent credit card so I could clear up some high interest Credit cards. They were informed through XXXX that there was a Bankruptcy on my credit report. The report states that it goes back 7 years. The last time there was a Bankruptcy was dated XXXX-05 and by calculations that it over 12 and a half years ago. 

I do n't understand how this information was received if the copy I received off the internet does n't show it but, yet the Bank Card swervice can get old information not on my report.. How is this possible?

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 2020-05-13
Company: CarMax, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I took out an auto Loan with Carmax Finance. Carmax has called my employer on several occasions. I called Carmax and asked them to only call my personal phone number which I provided to them again and not to call my employer. They continued to call my employer several more times, and i have repeatedly called them to stop doing this and only call my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened a store card through Synchrony Bank in late XXXX of 2019. The application said that my first payment was not due until XXXX of 2019. I attempted to make a payment but it would not allow me to. I called customer service after the first month and was told they have no record of my account. I continued to call and try to make payments but could not. I was then marked with a late payment in XXXX of 2019. It was only then that I was able to call and have them pull up my account. They would not cooperate with me or remove the late payment. 

I escalated the issue to upper management and was told that the late payment would be removed. It has been almost 2 years. I try to call but I get hung up on or can't connect at all.

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 2018-03-06
Company: Seterus, 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: Account status incorrect

Complaint:
Keep Your Home California assisted us during a recent period of unemployment by paying our mortgage to Seterus. Keep Your Home requested paperwork that they later did not need that resulted in a delay in processing the mortgage payment to Seterus. We explained, in advance, the circumstance to Seterus in an effort to have them excuse the late payment. They adamantly refused to cooperate and were extremely unaccommodating of our request despite our never having been late on any prior payments, not even once.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: EQUIFAX, INC.
State: NC
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:
In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on XXXX and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: BARCLAYS BANK DELAWARE
State: CT
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:
I never opened credit with barcley. I attempted to contact company several occasions to clarify debt on several occasions up to recently. 

In 2018 they sent me a letter stating they were unable to verify debt. Therefore according to legal Fair Credit This item needs to be removed from credit

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 2020-05-11
Company: TD BANK US HOLDING COMPANY
State: DE
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:
TD Credit Card # XXXX XXXX XXXX XXXX I was trying to use my TD cards the last few months but was not able to. After trying for a few months on getting through customer service, finally I was able to get through on XX/XX/XXXX. I was informed by customer service the account was closed and they could not do anything. I have been a long time TD customer, I never have received any notice regarding this account closurer. This is absolutely astonishing given the Cov19 crisis that I'm trying to use this credit card to purchase daily essentials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-16
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. In doing so, I have mailed them two times with my credit card, ssi, driver license and legal name change order from the state of Maryland. 

You guys have denied me twice. Youre being a real pain and I do not like you causing me a pain and need you to meet my request.

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 2018-11-18
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
CFBP  has assisted me with a previous complaint with Nationstar / Mr. Cooper ( file number XXXX. ) That incident was rapidly resolved by CFBP. 

However, Nationstar / Mr. Cooper has, one again. issued 2 new checks that are in my name and my sisters name. 

As the previous problem had been that my sister and I do not share a banking account. Despite the fact that I had fulfilled Nationstar / Mr. Cooper demands that I provide proof of my payments, a letter from my sister that she has no interest in any funds refunded, a letter from my banking institution that they can not accept any deposits for any checks without my sister being on the account and that the problem was not resolved until CFBP stepped in, leads me to the conclusion that Nationstar / Mr. Cooper has no intention of issuing any further checks in mt name only. 

Please contact Nationstar / Mr. Cooper regarding the issue with any fund checks regarding my former account with them. 

Thank you I have attached a copy of the two new checks from Nationstar / Mr. Cooper

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted in XX/XX/2018 about a ambulance bill, i requested validation of this account and i was sent a statement typed up on collection agency template. they refused to verify and properly validate 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 2018-06-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I made a deposit into my Chase account on Friday XX/XX/XXXX. It was a mobile deposit from a payroll check XXXX of {$1300.00} I should have XXXX available on the next business day which is Monday. And they said they were placing my check on hold for 7 business days. I would like to note this is not a re deposit item and it is not a new account. I called and ask for them to provide me the {$200.00} as stipulated by regulation CC and they stated they did not have to and were not required to do so. I have a disconnection notice from my electricity provider and I worked for that money there is absolutely no reason for the entire amount to be held for so long. I have been banking with Chase for some time now and they have clearly violated a federa regulation by not placing my check on hold for no good reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX XXXX, XXXX XXXX   XXXX/XXXX, XXXX XXXX, XXXX XXXX and 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