BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-03
Company: SYNCHRONY FINANCIAL
State: OH
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:
Synchrony bank pulled a hard inquiry on my credit report on XX/XX/XXXX2022 without my authorization/ consent. I disputed the inquiry with XXXX and it came back in the lenders favor. I called synchrony bank and they only have record of an old account that was settled. I called the number on the credit report and it rang until going to wireless caller voicemail

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 2020-10-22
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am trying to refinance my Wells fargo home mortgage with another lender. Wells Fargo can not meet the new interest rate, so they are actively trying to stop my refi. I have a credit rating of XXXX, and many accounts with Wells fargo. 

The have delayed the subordination request by 6 weeks. They claim their office is overworked. This has cost a very expensive rate lock to expire. 

They are currently delaying the payoff amount needed to close the refinance by 2-3 weeks so far. 

They are bleeding mortgage customers due to their uncompetitive rates, and this is their attempt to hold on to customers. 

I have phoned and emailed multiple times to try to get them to do their job.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2022-12-20
Company: Resurgent Capital Services L.P.
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 had a break in and didnt file a report because I didnt notice anything missing. But after a couple of years I started noticing different things on my credit about credit cards I never had. So I figured it must have been from the break in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Placed wire at Ally Bank for $ XXXX at XXXXXXXX XXXX on XXXX/XXXX/23 for a same-day transfer on acct XXXX. Per Ally 's posed Delivery Time schedule, where the wire is being initiated, the wire was due to be reviewed by XXXX XXXX XXXX and sent by XXXX XXXX XXXX. Ally failed to meet their posted delivery schedule and as result, I've incurred a late fee of 10 % which Ally needs to pay. In talking to Ally today, XXXX they can't provide a timeline for the wire transfer. I am seeking payment for the late fee of {$3300.00} because Ally delayed the transfer and didn't meet their posted timelines.

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 2023-01-19
Company: Experian Information Solutions Inc.
State: TX
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:
My XXXX XXXX XXXX has no XXXX XXXX. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than 7 years old. I mean they just dont care and they break credit laws each and every day.

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 2023-03-02
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was chase private client customer, I was getting free safety deposit box, chase downgraded my account to premium checking back in XXXX XXXX, I was not charged any fees for safety deposit box till now, Chase is saying that they sent me letter back in XX/XX/XXXX about charges, I never received that letter, now they charged me unauthorized fees for locker and when I am telling them that please close locker and refund my fees, they are saying even if you close locker your fees will not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
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:
On XX/XX/2018 someone obtained my identity. 
They opened a bank account with USAA FEDERAL CHECKING with {$10.00} and apllied for and was approved a credit card with a {$25000.00} limit. 
This person has already pulled {$4900.00} in cash off the card. 
USAA is disputing my claim telling me it is my account. 
I have never been in the military and you need a miltary ID to open an account with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX  by XXXX  have broken some Laws! 

They have a history of mislead sales practices. They just concluded a class action lawsuit of which they were sued for the same thing that happened to me. I was mislead about membership, points, bonuses, etc about this timeshare. I contacted owner support services and they did nothing about it. I have reported you all to the XXXX, and you all have many complaints from hundreds of timeshare owners. https : XXXX XXXX law you all broke is : Sum of all charges USC 1605 . The sum of all charges are supposed to include the finance charge, insurance, as well as the warranties. I had to pay extra for all of these..None of these were included in this agreement I signed. I, as the consumer am entitled to receive cash in hand since the timeshare was already legally paid for. Since I never received any transaction from XXXX by XXXX, this contract legally has to be terminated and all the money I spent needs to be refunded back to me plus the finance charge. 

XXXX law : By the provisions of the Fair Credit Reporting Act, any late payments can not be accessed to me or my fiance.. You all charged her and me a late payment, which is a violation of Us code 1666a.

15 U.S. Code 1681a states transactions can't be included so it will be a violation if a late payment hits my credit report ( which it did ) .Per law, a creditor can not under law report LATE PAYMENTS TO THE CREDIT BUREAUS. Timeshares expect consumers to follow the law or we get persecuted, the same goes for this business! 

XXXX. Per Us Law according to 15 us 1692c. We did not give permission for XXXX  by XXXX and the finance company ( XXXX XXXX ) to harass me and my fiance and threaten us everyday all day. We were getting harassed early in the morning and late at night which is ILLEGAL. We were stressed out, afraid and were very emotionally distressed of these calls! XXXX is not allowed to send cards or threatening letters to us. Per us 1635, I have a right to rescind!!!! 

XXXX. Me and my fiance experienced discrimination from XXXX by XXXX. Every price by law has to be exactly the same. Someone could have paid less for this timeshare than me and my fiance would have paid. We were unfairly discriminated against by your reps!!! This is a title violation per 15 Us 13!!! 

I have attached some paperwork that I advise you to view very carefully. A rep for me has sent the cease and desist form for you all, a dispute letter as well as stopping payments. I have more paperwork to send. The images are a little dark but I made sure you all can view them and I have a notarary signature

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 2023-03-07
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested validation of debt pursuant 15 USC 1692g and sent them a letter on XX/XX/XXXX and XX/XX/XXXX last year. They only sent me an account summary and didn't provide each requirement that I'm asking to validate the debt. This is already affecting my scores and I want them removed as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX XXXX to Carrington Mortgage. Carrington Mortgage raised my mortgage by XXXX dollars per month for escrow. The escrow balance is positive and they would have had a 1/6 cushion as allowed by law. The property taxes are XXXX dollars and the home owners insurance XXXX. So the escrow total is about XXXX. Carrington is now charging me XXXX per month for escort, which comes out to XXXX per year. This is nearly one hundred percent of what is allowed by law. I tried to work with Carrington to resolve the issue but they did not work with me. Name of mortgagor is XXXX XXXX and the loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Information belongs to someone else

Complaint:
I, XXXX XXXX, Under the penalty of perjury affirm that all forthcoming statements are true. Credit reporting agency, Transunion is violating my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by failing to report a clear and accurate credit report and file on my behalf. My Transunion credit file is consumed with inaccurate account payment histories, inaccurate account payment statuses, inaccurate personal information about me such as erroneous names, addresses, phone numbers, and employers. This company is also allowing my rights to be violated pursuant to 15 USC 1692 named the fair debt collection practices act by allowing unauthorized 3rd parties to report inaccurate account information without efficient and fair investigations of the furnished information and by also allowing these predatory unauthorized 3rd parties to access my credit report and file without my consent. This violates my rights to privacy. Transunion is a predatory company that is using my personal consumer report and file for their monetary gain since they are paid to report this fraudulent information. I have filed an FTC fraud report against Transunion for their predatory practices that need to be stopped immediately!

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 2023-03-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I need for everything that I disputed too please get removed and I never opened anything or apply for anything so remove 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 explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, from the U.S Department of education, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ON XX/XX/XXXX, I ATTEMPTED TO SUBMIT A DISPUTE TO XXXX, XXXX AND TRANSUNION FOR THE FOLLOWING AND I WAS NOT ABLE TO. I RECEIVED MESSAGES THAT A DISPUTE WAS UNABLE TO BE PROCESSED ONLINE, HOWEVER, XXXX, XXXX  AND TRANSUNION ARE HOUSING INACCURATE INFORMATION ON MY CREDIT REPORT. 

FOR THE COLLECTIONS ACCOUNT FROM THE CREDITOR XXXX XXXX XXXX XXXX THEY ORIGINALLY PLACED A COLLECTION ACCOUNT ON MY CREDIT REPORT ON XX/XX/XXXX AND IT HAS BEEN ON MY CREDIT REPORT FOR OVER SEVEN YEARS. IT SHOULD HAVE BEEN REMOVED ON XX/XX/XXXX BUT XXXX, TRANSUNION, AND XXXX  CONTINUE TO REPORT THIS INFORMATION ON MY CREDIT REPORT.

ALSO, THE CREDITOR CONTINUES TO UPDATE THE DATE OF REPORTING IN ORDER TO KEEP THIS NEGATIVE INFORMATION ON MY CREDIT REPORT LONGER T

HAN SEVEN YEARS. THIS NEGATIVE INFORMATION HAS BEEN ON MY CREDIT REPORT FOR SEVEN YEARS AND DUE TO FAIR CREDIT REPORTING ACT, IT IS REQUIRED TO STAY ONLY SEVEN YEARS, THUS I AM DEMANDING AN INVESTIGATION BE DONE INTO THIS AND THIS NEGATIVE INFORMATION REMOVED FROM MY CREDIT REPORT IMMEDIATELY. ******************* ALSO I WAS UNABLE TO DISPUTE THE HARD INQUIRIES THAT WAS PLACED ON MY CREDIT REPORT ON XX/XX/XXXX IN ERROR. THESE HARD INQUIRIES WERE DONE IN ERROR AND INITIATED BY XXXX XXXX. I WAS UNABLE TO DISPUTE THIS ON XXXX, TRANSUNION AND XXXX  WEBSITE. THE FOLLOWING ARE OUTSTANDING ISSUES : -THE INABILITY TO DISPUTE ONLINE ON THESE SITES FOR ALL CREDIT BUREAUS -DISPUTE THE HARD INQUIRIES -DISPUTE THE COLLECTION ACCOUNT PLACED BY XXXX XXXX XXXX XXXX DUE TO THE COLLECTION ACCOUNT REMAINING ON MY CREDIT REPORT PAST SEVEN YEARS, THE LIMIT FOR THESE ACCOUNTS.

I HAVE ATTACHED EXCERPTS FROM MY CREDIT REPORT.

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 2023-03-08
Company: Resurgent Capital Services L.P.
State: SC
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/23 LVNV Funding LLC received my request for disclosures that Federal Law states that i suppose to have gotten while I'm a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, 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:
XXXX XXXX / XXXX XXXX XXXX   XXXX Account : # # # # # XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: EQUIFAX, INC.
State: MN
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 was negligent in their credit reporting and caused irreparable harm to our credit rating with in their incorrect credit reporting. On XX/XX/2021 they reported that I was 30 days late on my mortgage. This resulted in my credit report to plummeting by XXXX points to an unfavorable rating. We did a payoff on our mortgage on XX/XX/2021 and requested a payoff quote on XX/XX/2021 from the lender. The lender reported it as paid in full on XX/XX/2021. I spoke to the lender and the lender confirmed that it was paid in full. We closed on the sell of our house and the closing attorney paid off the loan balance. XXXX needs to act immediately and remove the negative mark on my credit file and my husbands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Debt Recovery Solutions, LLC
State: KY
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:
This account was created from drs it shows up on my credit as the exact same amount billed on the same day two times. Somehow they have put a duplicate charge on my credit report for the same date time and amount. I have disputed this and they sold off the account numerous times then added the two together and took XXXX dollar off after I disputed the double charge to get around what they are doing. They keep reposting this incorrect information on my credit report by selling it every time I dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card with $ XXXX line of credit from Bank of America ( Allegiant branded card ). I do not hold any active accounts with BofA and did not apply for this card. I called to inform them it was opened fraudulently. I was informed this was a common means of other countries trying to " ruin the USA. '' I was told the account would be marked fraud, but that I wouldn't receive any proof of this. I was told there would be a " CSI Form '' filed but I could not have a copy. I asked to speak to someone about the fraud. 

I was transferred to another dept. That department told me that the first rep did not close my account or mark it fraudulent, so I would need to be transferred back. 

I was transferred back and have been on hold for 37 minutes now. 

I attempted to dispute the inquiry on XXXX but can not do so online.

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 2019-11-16
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:
I contacted the debtor on XX/XX/XXXX requesting my signature proving this was my debt and or that I had paid the accounts late. The companies are reporting this information to my 3 credit reporting agencies without providing validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these false invalidated claims.

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