BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 disputed all of the fraudulent accounts on my report. I have not receive any notices from the credit bureaus. None of the items that are reporting delinquent is accurate. I sent notices and by law the bureaus have 30 days to provide a written explanation I have yet received anything. It has been over days!

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 2021-06-03
Company: OPORTUN FINANCIAL CORPORATION
State: CA
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:
I have filed disputes In regards to the INNACURATE items on my credit report. It has been well over 30 days, and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in forbearance, on XX/XX/21 HUD/FHA introduced the Advanced Loan Modification. I contacted my loan originator on XX/XX/21 to discuss options since I was eligible from HUD/FHA disclosure on their website of current standings dates in forbearance. The individual that I spoke to did know have any information on the new XXXX and said he would flag my account for review for when my forbearance was expiring. I never received any information from my loan company. I contacted them several times a week asking for an update just to get the same we don't know about it yet. Finally i reached someone in XXXX that said my account was in review that papers would be out and i would need a notary available to sign the paper work and get it back. Paper work shows up, it is a standard loan modification. I contacted the servicer asked what do i do with this papers. They said I had another set in underwriting to disregard this current set. Something just didn't feel right with the phone call so I called and spoke to a supervisor two days prior to these documents from being no good and he told me to get them signed & notarized and back to them before the XXXX mind you this is the XXXX. He said I had another set of papers for the XXXX that he was going to escalate. Contacted company again XXXX spoke with XXXX a manager, she said that I had no papers that were being reviewed for the XXXX. That what I sent in is essentially done. If i was denied the XXXX i would like to know why. If i was not considered the XXXX even though I made every check mark per HUD/FHA guidelines , I want a written explanation. I have all phone calls from XXXX to XXXX recorded with this loan servicing company.

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 2019-02-07
Company: ENOVA INTERNATIONAL, INC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Received phone call from someone named XXXX XXXX claiming to be a lawyer for a cashnet loan service, I can find no record of him anywhere. Tried to tell me I obtained loan in XX/XX/2016 and gave an old address, and a bank account that is not mine. Told me he called the bank and verified my information, which would be against banking practices if I did have an account there. I have no knowledge of this loan. He called my place of employment prior to calling me. I am a XXXX and he is threatening to call my XXXX  to discuss this matter with her and report me to the XXXX   board. Called multiple times, 7 in fact within 20 mins and continuously made threats to try and get me to pay. My husband called and he rattled off his information ss #, Birthday, and phone number. Told us he is one step ahead of us and threatened to call my husbands work as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Phoenix Financial Services LLC
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Phoenix Financial acct # XXXX DOS- XX/XX/2017 {$2200.00} I have sent them a certified letter requesting verification about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened with my wife ( XXXX ) a checking account in response to a promotion offered by Wells Fargo. The promotion offered to pay us {$400.00} if we established a new checking account with automatic monthly deposits. When we opened the account, we informed the account rep, XXXX XXXX, that my wife is a school teacher and wont be receiving a pay check or automatic deposit during one month of XXXX. XXXX represented to us that there is a 60 day grace period to make automatic deposits for purposes of receiving the {$400.00} promotion payment. On XX/XX/XXXX, I contacted Wells as I had not yet seen a {$400.00} credit to our account. The Wells Fargo rep said that we didnt qualify for the {$400.00} credit because we failed to make three deposits in a row within a five month period. I informed the rep what XXXX had represented to us regarding a 60-day grace period. The rep opened a case regarding the matter to research if we were eligible for the {$400.00} based on what XXXX represented to us. I followed up with Wells by calling on XX/XX/XXXX. The rep said that no case manager had been assigned to our case. I called Wells again on XX/XX/XXXX and was told a case XXXX, XXXX, was assigned to the case. I was transferred to XXXX and XXXX told me that the Promotions Team was reviewing the matter and that he would contact me within one week to update me. After not receiving a call from XXXX, I called him on XX/XX/XXXX and he was gone for the day. I left a message for XXXX to contact me. As of today, XX/XX/XXXX, I have not heard from XXXX and there is still no resolution to this matter.

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 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
BK OF AMER XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}

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 2022-10-17
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently in the process of trying to avoid a foreclosure by selling my home. I did n't want to sell my home but Fay Servicing would not approve me for a modification. After 6 months of a loan modification review I put my home on the market to avoid a foreclosure. Fay servicing in not giving enough time to go through the transaction process. They have refused to stop my sale date while I was in the middle of getting the sale through the escrow process. We have a serious buyer who want to purchase the home. This is not a short sale, and Fay will be paid in full plus the foreclosure fees. I am a Veteran and now have to go to legal services to file a bankruptcy to stop the sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
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: Credit inquiries on your report that you don't recognize

Complaint:
A credit inquiry for was placed within my TransUnion/XXXX/XXXX credit file.

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 2019-11-08
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: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: TCF NATIONAL BANK
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Re : Gateway One Lending I paid total balance of my auto loan. But they continue to withdraw bimonthly payments and deny it when I have called them. Re : loan # XXXX. On XXXX a payment was sent to pay off the total balance of my car loan. On XXXX and again on XXXX they continued to take bimonthly payments from my checking account for {$230.00} each time. Every time I call them -- they deny that they are doing this. On XXXX I spoke with " XXXX '', he informed me this must be someone else taking money from my account. All of transactions have always been listed as " XXXX '' # XXXX with each deduction. I disputed/claim # XXXX with my bank XXXX XXXX on XXXX. I have since been informed my bank has denied the dispute because my request was not submitted during the merchant 's required time frame. 
I want my money they took out my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have several accounts thar are reporting incorrectly. 

These following accounts are being reported as opened on a charge-off. My score dropped over 100 points because XXXX is reporting a charge-off as open and not closed. Also, the last active dates are current dates and that is not correct. 

XXXX XXXX XXXX XXXX This account is not even mine. I have been trying to get proof of signature and proof that this is my account on TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL reporting open

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 2019-03-31
Company: JPMORGAN CHASE & CO.
State: CO
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 have taken notes of dates and names and everyone who I spoke to etc since XXXX trying to settle this credit card account with Chase bank. In XXXX of XXXX I agreed upon a settlement amount of XXXX and paid XXXX XX/XX/XXXX. I called to get the new balance on XX/XX/XXXX and was told the remaining balance due was XXXX}. This prompted chase bank to agree to a in flight settlement of XXXX due by XX/XX/XXXX. I then made a XXXX payment on XX/XX/XXXX and the new balance due was XXXX which was then paid in full XX/XX/XXXX. I have called several times since then begging for a paid in full letter and been told by several people it was accepted as payment in full and never got a paid in full letter. Today on XX/XX/XXXX I received a letter saying the settlement was cancelled due to missed or late payments and they will send to a debt collection agency. I am beyond angry and frustrated this continues to report on my credit as unpaid when I am more than happy to provide all receipts documenting everything was paid in full months ago. I want a paid in full letter and this closed once and for all. This is unfair treatment and causing so much more stress and unhappiness then it should. I even have a car loan with chase and pay them thousands each year it should not be that hard to process and in flight settlement and close it and give me a paid in full letter as promised on several recorded calls!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
In XX/XX/2019 After trying to dispute a credit card by Synchrony Bank that was in my name in the amount of {$1200.00} with XXXX, they decided the information was correct even though I have never owned a credit card with Synchrony Bank on my report. 

My address that I use is incorrect, and I have never signed any agreement allowing Synchrony Bank to open a credit card in my name. 

When attempting to reach out to XXXX over the phone ( which is what they require ), it is impossible to speak to a human to add details to my dispute and go over the fraudulent information. Now due to a result of incorrect reporting, Synchrony Bank is consistently damaging my credit, therefore rendering me unable to rent an apartment in my city. 

I have worked extremely hard to keep good standing credit, and prevent fraud in my name which has happened in the past. Synchrony Bank is known for having shady business practices, and unsecure/unfair credit reporting which is why I have never chosen to bank with them. 

Attempting to speak with someone from Synchrony Bank who is competent or speaks any fluent XXXX is impossible, and they are immediately unwilling to assist without certain information that I do not have knowledge of. 

I would like to hold XXXX responsible for the damages occurred as well as Synchrony Bank. If the report is not fixed in the future, I will be taking legal action to clear my name so I can freely rent and apartment in my city.

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 2019-10-29
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
THE INQUIRIES LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. PLEASE THOSE INACCURATELY PLACED INQUIRIES NEEDS TO BE REMOVED OFF MY 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 non-monetary relief
Consumer complaint received 2022-10-16
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately.

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 2020-01-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I returned a leased XXXX XXXX on XX/XX/2019. Lease end was on XX/XX/2019 I returned it to an auto broker of my choice in XXXX XXXX CA XXXX XXXX. The same day I also lease a new vehicle. All financing has been through Toyota financial services. After a couple of months, I started receiving calls and letters from the lease end department. I spoke to XXXX # XXXX. The car had not been grounded and were still tracking what XXXX dealer had received it. Later I was told by XXXX # XXXX the car was grounded on XX/XX/2019 My credit score has been adversely affected they reported to the bureau as 30, 60, & 90 late payment. I do not own those car payments. The vehicle had been returned. I ask to put my status to current on time. When I contacted XXXX agent # XXXX on XX/XX/2019 she said when the car is grounded, they would report to the bureau to remove the negative marks. She advises to write a letter to their Toyota financial credit dispute department, but no action was done. I contact Toyota customer experience and spoke with # XXXX XXXX. All they did was waive {$350.00} disposition fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-08
Company: Improved Data Services LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The debt collection agency has done the following : - Repeatedly called me at my place of employment - Called other individuals like my future mother-in-law claiming they are running a background investigation - Threatened to file arrest warrants

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: SUNCOAST CREDIT UNION
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have recently become aware of an online scammer. I ordered shoes on XX/XX/2022 for my daughter to have school shoes. They were supposed to ship in XXXX, which was normal at the time because XXXX did pre-orders and never had a problem. I ordered a second pre-order on XX/XX/2022 that was also supposed to ship in XXXX. XXXX kept posting updates about delays with customs and other issues like moving to a new state and warehouse. XXXX is here and XXXX decided to cancel the orders due to out of season shoes. She refunds a gift card. I order more shoes with the promise of no more delays. I placed a new order of shoes on XX/XX/2022 because they were the shoes that were just canceled and had a new ship date of XXXX. My last order I placed on XX/XX/2022 stating they would ship in XXXX. XXXX post that the XXXX and XXXX shoes are running behind again and will ship out on the end of XXXX. XXXX threatened if we dispute or file chargebacks on our banks that we would be removed from the group. 

I call Suncoast Credit Union who I have banked with for XXXX XXXX years to dispute these transactions as the business is not replying to emails and refusing to refund the money back appropriately. They stated that since its past 90 days they will not refund my money and there is nothing more that they can do. 
However, they refunded a friend for the same transaction history that I have. Also, I have up to 120 days of when I was expecting to receive the merchandise and I am in that time frame.

Company response to consumer: Closed with explanation