BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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 had an Amazon charge card, and purchased several items with it and paid for all items. Amazon made an unauthorized charge to the card pertaining to a purchase that was made ; Amazon charged me twice for an item. I told the finance company the charge was not valid, yet Synchrony financial refuses to remove the charge. The amount in dispute is XXXX Synchrony has increased the amount to over 700 dollars. I demanded Synchrony provide proof of authorization for the charge and they ignored 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 non-monetary relief
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: MO
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 am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with trheir findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus XX/XX/2022 requesting to corerct the suspicious information I found on my Credit Report. I belive that the Credit Bureaus have not validated these accounts in accordance with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. It's either the Credit Bureaus correct these accounts or remove completely from my Credit file : XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} DEPT OF ED/NELNET XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF ED/NELNET XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} DEPT OF ED/NELNET XXXX Balance : {$0.00} DEPT OF XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00}

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 non-monetary relief
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
2 months ago today, I sent letters to the credit bureaus ( attached in this complaint ) regarding inaccurate things I have on my credit report. Up until now, I havent got any action & respond from them, I can still see those inaccurate things on my credit report. They didnt make any action for my complaint. Not knowing what is going on has become stressful and I urge you to find out what is going on. 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 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Although I had two checking accounts and a savings account as well as being a customer of Bank of America for over 10years ; I was not notified in writing that my account was going to be closed or had been closed and sent to XXXX 
On XX/XX/XXXX, I spoke with the Bank of America Dispute Specialist CSR, XXXX, and she assisted me with putting stops on all of my autopayments coming out of my account and had also refunded me the NSF fees. I was instructed to send each company notices that I would need to stop all automatic drafts as well as letting them know the reason ; due to unemployment. 
The following month a few of the automatic drafts were still allowed to process for some strange reason. So I had to call and this time the CSR was not quite as helpful and sent me through a dispute process even though XXXX had noted my account. 
Moving on XXXX ; I did attempt to dispute the XXXX   issue at the branch on XXXX XXXX XXXX XXXX XXXX MO, but the banker could not retrieve any information about the account closure. 
XXXX ; I did recently dispute it through XXXX, and Bank of America sent documentation only pertaining to the overdrafts and 5months of statements. There were no letters or other correspondences included with the information showing where they had notified me of the closing of my account, or that I had disputed the autopayments. 
I have attached some of the creditors ' letters that I sent, and there should be a call record for the date of 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 2021-01-27
Company: EQUIFAX, 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:
some one used my credit information without my permission, bad debt that does not belongs to me is been reported to my credit file, and i am trying to have them removed so i can have my credit standing back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had a credit freeze on Equifax due to their high profile mishandling of consumer data from a few years back. However, recently when I tried to login and unfreeze my credit the site locked me out and said the only way to unlock my account would be to contact their customer care center by phone. 

So, I called their customer care number and spent over an hour on the phone trying to get answers from them. Finally, they determined that the only way for me to reset my account would be to send a letter including proof of identity ( Drivers license and copy of social security card ) to their headquarters to verify my identity. 

That letter was sent 3 months ago ( XX/XX/XXXX ), and I still haven't heard a word from their organization AND my account is still locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: EQUIFAX, INC.
State: DC
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 a late payment noted by XXXX on my credit report on XX/XX/2014. I have contacted the company numerous times to obtain proof that the payment was late as my payment records show on-time payments each month. The company has yet to be able to confirm that the payment was indeed late, and when challenged through a dispute process, they continually confirm that it was late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like the 3 Credit Bureaus : XXXX XXXX, TransUnion to take any fraud Alert or Freeze that they may have put on my credit reports. I personally did ask or request for any fraud alert to be placed on my file. I applied for a credit card which I should have been approved for and was informed that there was a fraud alert placed on all 3 bureaus that I was not aware of nor was I notified about. I did not authorize for any of the 3 bureaus to put an alert or freeze to be put on my credit file. As a result of this I have been having a problem applying for any credit card because they keep indicating I have a discrepancy on my file, because I am asked if a fraud alert or freeze was placed by me on my credit file with the 3 credit bureaus. Which I responded that I have not but was informed that there is. I want them to immediately take it off my credit file. In the future I am also requesting that I be informed and notified immediately if one is put on my 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 2021-02-25
Company: Experian Information Solutions Inc.
State: AL
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 made several attempts with the following credit bureaus : XXXX XXXX, Experian all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.

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 2018-07-10
Company: JPMORGAN CHASE & CO.
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:
Chase Card Services is reporting a charged off account on my 3 credit bureau files. I have never applied for this credit card and have attempted to contact them for correction. They refused to research and provide validation of debt as requested. I do not know the exact date that I contacted them but have done so on many occasions and am now requesting this be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2018 I notified Coinbase that I thought my PC was hacked. The next day I called them and also filled out an application which described how my PC was NOT hacked and that the Coinbase account was NEVER hacked. 
I requested that my account be reopened. 
Depending on who you speak to they ask you the same bloody questions ... did you fill out the four questions ... XXXX they are trained to mouth sympathy but do absolutely nothing! 
For the past month, the Coinbase representatives and supervisors tell me my account has been prioritized but can never give me a time frame when it will be reopened or even investigated. They also " agree '' that there is NOTHING to investigate!. They constantly send out robo emails thanking me for my patience! They all agree that I submitted the correct information AND my account was never hacked. 
They are completely unaccountable. They will not give you a id/last name. During this time period I've watched my investment decrease from {$9000.00} to maybe {$3000.00} Because I'm locked out of the account!. I encourage you to call these criminals and attempt to make them accountable. I would like the value of my account returned as of XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Freedom Mortgage Company
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to work with my lender for several months now and still no luck in getting any help. 

I have sent their document request for proof of hardship over 4 times to their email they provided for documents and all of sudden they are not getting anything. My XXXX XXXX has been calling them every 4-5 days trying to confirm they received but no luck. ( XXXX ) I have been denied over 3 times now because they said they never got a complete packet and all because they continue to misplace my documents. I am just looking to save my home and hope this will get clear this whole run around.

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: Northtown Capital Services Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company is contacting anyone that carries my last name. They have called a family member on XX/XX/2020 and said they are looking for me. This company have left threatening messages on my phone and is now calling others. Most of the people they are calling are not close relatives. They are people I met on XXXX XXXX but carry the same last name. This is unethical, embarrassing, illegal and I want them to Cease and Desist reaching out to others pertaining to my financial affairs. 

NCSG Northtown Capital Services Group XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: U.S. BANCORP
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid our state property taxes of {$1800.00} in XX/XX/XXXX per advice from our CPA, and instructed our mortgage holder, US Bank, by fax on XX/XX/XXXX to not make that payment when it was due from our escrow account. They paid the state property taxes despite our instructions, resulting in a double payment. The county would only refund the overpayment to the bank, who was then supposed to return it to us. We have been attempting to get that refund since we discovered the error on XX/XX/XXXX. Representatives from US Bank have repeatedly said by telephone that they were issuing a work order to send a check for the refund. A senior representative stated by telephone on XX/XX/XXXX that the work order was not completed properly, and promised a return call on XX/XX/XXXX. We did not receive that call. We then called again on XX/XX/XXXX, and after 45 minutes on the phone finally got a promise from the call center supervisor that she would expedite the payment and follow up with us. After numerous calls and months of attempts, we are hoping that we will finally get a refund of an amount that should never have been paid by the bank. US Bank has held our money for an extended period of time and have made no effort to resolve the situation.

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 2021-01-27
Company: Westlake Services, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have never admitted to owing Westlake Finance over {$16000.00} because I DO NOT. I don't receive correspondences from them as I have been requesting since 2018 such as the contract proving that they do own my account and that I so call owe them the amount they claim I owe them. This account has destroyed my credit score as as a result of their poor handling with providing proof and substantial documentation. 
I have disputed this account numerous of times and the credit bureaus continues to say they have verified this account accurately which is not true and is a result of violating my rights as a consumer.

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 2021-09-25
Company: Linebarger Goggan Blair & Sampson LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Receive deliquent fee or fine for XXXX don't owe this I was affected by COVID-19 they won't help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I filed a complaint about my brothers addresses showing up on my experian report and they refused to take them off. I provided my ssn, address, government photo Id, and a copy of the report with the addresses shown in highlighter. I mailed the letter certified with a receipt and made copies of the letter that was sent to them as proof. I informed the reporting agency that this was n't up to the standard for the fair credit reporting act and they still violated it.

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 2018-03-29
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
i have 2 loans with loan depot on one building which is a duplex. county tract line goes down the middle of the house. Thus 2 loans. When i receive my escrow disclosure statements they fail to divide the taxes and insurance in half for each loan. Insurance for house is XXXX a year taxes are XXXX. I have this problem every year for the past 3 years. I have called customer service many times to fix the problem and are told that it is taken care of. But it never is. I have had my insurance co. call and send documents to confirm the information. and no response from Loan Depot. also the loans are the same amounts yet one loan payment is XXXX a month the other is XXXX when i inquired why they had no answer.On XX/XX/2016 I sent the insurance division a letter explaining this problem and never received a reply. I am very upset and angry. Your help will be great.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13
Company: Ability Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It shows on my credit report that on XX/XX/2019 a amount of {$710.00} is owed to ABILITY RECOVERY SERVI ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor is still stating there is nothing that they can do because the account is sold to someone else ... It appears on my XXXX  and XXXX  Report. The debt was once removed and now its appearing back on 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 explanation
Consumer complaint received 2021-01-27
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:
some one used my credit information without my permission, bad debt that does not belongs to me is been reported to my credit file, and i am trying to have them removed so i can have my credit standing back.

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 2019-11-13
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Choice Recovery, 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 do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: SYNCHRONY FINANCIAL
State: NY
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:
I am writing today in hopes to gain your help. Currently I am working on reviewing my credit, paying down my balances, and working toward greater credit worthiness. You play a significant role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 60 90 days late to the credit bureaus ( XXXX, XXXX  and XXXX  ) between XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to get this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.

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