BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.

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 2019-05-04
Company: Experian Information Solutions Inc.
State: NY
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 have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.

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 2019-05-04
Company: EQUIFAX, 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:
I am writing to dispute a fraudulent charge on my account of {$7500.00}, {$1500.00}, {$7900.00}, {$9000.00}, {$2200.00}, {$7900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

3. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7900.00} -This is not my account. 





I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Police Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For the past 2 months I have attempted to change ( increase ) my autopay on Synchrony 's website, however, after inputting all required information as requested, and reading the terms and conditions that state that you must accept these, the website does not provide an accept or decline button to accept the terms and conditions, thus no submit option is made available and the ONLY way to change the autopay is by calling customer service. This seems like a very unfair and deceptive act or practice that Synchrony is doing to their consumers. 
I did not receive an immediate email confirming my oral agreement to change the autopay amount either.

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 2017-07-27
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have XXXX XXXX XXXX XXXX along with other serious illnesses. In XXXX of XXXX I payed Franklin American my mortgage payment. I feel behind 6 months and was denied XXXX stating I could do other work which was disputed by all my physicians. I did advise Franklin American I would catch my payments up with my tax return which I did. Then they modified my payment to {$5.00} a month for twelve months. Around the 10th month in I had to fill out paper work for an extension as in all the times I sent this paperwork in they kept misplacing documents. I asked for a 1-6 months extension because with my attorney and Honorable Congressman XXXX XXXX I was given a on the record Fully Favorable decision from the XXXX in XXXX. I sent in the letter and all other documents, which the XXXX letter stating I was approved for both XXXX and SSI back dated to when I appliedXX/XX/XXXX. I told Franklin American I would pay all money owed them when I received my back pay. I called the loan work out department who said I was missing documents again and that my home was being foreclosed XX/XX/XXXX. I contacted the attorney who said a date was n't set but I just received paperwork saying if I do not pay {$130000.00} my home would be sold. Now I have to hire an attorney costing me more money that I need to give back to mother who I owe for my daily living expenses. I have received phone call after phone call from a automated number from this company this has put me under further stress and XXXX. If you check my payments up until my XXXX when I had an income I was paying my mortgage on time and more often early.

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 2022-02-04
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Two bankruptcies are reporting incorrectly on my credit report and I have submitted disputes several times to have these incorrect public records removed. This is causing me undue hardship and repeated credit denials. XXXX and XXXX have correctly investigated these incorrect accounts and have removed the erroneous public records from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage with Wells Fargo that was subsequently sold to XXXX XXXX. I was making my payment as scheduled to XXXX Loans when in XXXX I received a XXXX from Wells Fargo stating that I owed taxes on XXXX! I was perplexed because after the sale Wells Fargo did NOT send me a check for any amount so I called them to inquire. They then told me that they sent the check to XXXX XXXX  without my knowledge or consent. They provided me the XXXX delivery confirmation number and a copy of the check for XXXX that was cashed by XXXX XXXX. So apparently of the XXXX only XXXX was taxable. I contacted XXXX Loans IMMEDIATELY to inquire what happened to my XXXX. Was it being sent as it should have been by Wells Fargo? Was it being applied to my loan after the error had apparently been made? I was told by XXXX XXXX to fax all information to them and they 'd research the matter and I made repeated follow up calls with my contact person always " out of the office ''. Then in XXXX XXXX my mortgage was sold to XXXX XXXX without ever getting the {$1900.00} check, any mortgage credits or any explanation period! I have included a copy of the faxed requests for an explanation, a XXXX copy, a XXXX Delivery to XXXX XXXX confirmations, and a copy of my check that was cashed by 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 2019-05-04
Company: Experian Information Solutions 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:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX  XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-02-04
Company: Experian Information Solutions 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:
The XXXX and Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX 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
Consumer complaint received 2019-05-04
Company: SYNCHRONY FINANCIAL
State: TX
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:
Apparently I have a bill of {$10.00} that I have not paid on time on my JC penny credit card. I have not received any paper bill or even a letter from them that I have an overdue bill. It was I think theXX/XX/XXXX or XX/XX/2019 statement. I'm enrolled in both electronic and paper bills but never got a paper statement.I have not access my email address that was in the account. I called them to see if they can do anything about that delinquent account that was showing on my credit report from JC Penney store but they said they can't do anything about it anymore. I have already paid the amount immediately after I found out that I have an outstanding balance and that was before I found that they have submitted a delinquent account. I was so disappointed that for just {$10.00} this greatly affects my credit score.

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 2021-03-10
Company: EQUIFAX, INC.
State: FL
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:
On XXXX I sent a letter regarding unauthorized inquiries that Im not aware of on my credit report. Over 30 days later I have not received any response yet. I feel like I am being ignored at this point. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items. Its been over 30 days .I demand these unauthorized inquiries to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: ONLINE Information Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call at my job from ONLINE Informaional Services, the representative name was XXXX at XXXX. She stated the MM, she properly identified me. I asked for the Validation of the debt to be sent to me, she refused. Also asked for a payment plan, she refused. Instead she mentioned my credit report ask about my line of credit? XXXX, threathen me by saying that she was going to report info to my credit report, if it is not paid by the XXXX of the month. I pointed out that she must send me a letter of Validation because that will be an FDCPA violation. She continued to collect and got frustrated, she then hung up on me saying that i was playing around?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Several attempts have been made to resolve this issue, BEFORE It became a collection issue. I attended XXXX on-line, until I became XXXX. Because I knew I had obligation, I called and requested info for how to resolve the loan. I was turned over to collections, I called again to resolve. I submitted documents I was advised. I was denied. I called again and was again advised to submit different/more documents. I obliged. this continues on this back and forth and continued submission of the requested info, only to be informed I did not submit the correct information. Garnishment has now  since began against my XXXX benefits. Also, keep in mind I have also been informed, if I was able to return to school, any school, I would not be able to transfer any credits accumulated while at XXXX. I called again to Nelnet to check status of my application, and again advised, of different info will need to be submitted. I am truly starting to feel scammed. How am I responsible for a school loan, for an education I am unable to use, and how can I be a responsible adult if I am repeatedly receiving inaccurate information that is critical to resolving my issue? I have escalated to Nelnet, XXXX, and XXXX XXXX, No one can help me. I am done submitting all of my personal information. I have proven I am XXXX at this point. Im also questioning, how am I responsible for a loan for education I can not use?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to get a unemployment deferment as I graduated XX/XX/XXXX from the University XXXX XXXX XXXX. As my understanding goes that means as of XX/XX/XXXX I should be eligible for up to 6 months of unemployment deferment. I have been trying to obtain and fill out the paperwork to get the last 3 months of this unemployment deferment for the last month ( It is currently XX/XX/XXXX ). Phone calling Navient takes a minimum of 10 minutes to even reach a person. Then after wasting your time they often do n't help you at all. All I needed was a simple 2 page form for unemployment deferment which I am entitled to. They said that they would send it out at " midnight '' because their " system '' sends out all their emails and attachments in one big batch. Sounds like a scam. I think that Navient purposely makes this process unbearably long and takes unreasonably long amounts of time to even do something such as email you the form when the form should be available instantly on the website. Needless to say I did not receive the form. I eventually was able to get a hold of it by searching around and finding a general email address for complaints, then I was contacted 10 days after this email by someone with the form. I think they do this so that you are forced to make payments instead of defer it. I also think that they make it very hard to find an email address to use because they do n't want people having evidence in writing of such unacceptable practices. I had to make one payment already because they were taking so long to send the form, now that they sent it after 10 days they want another 10 days to " process '' the form. Each payment is for XXXX . I no doubt will have to pay another XXXX $ because their processing time is so long. My impression is that this is a system designed to lag in every aspect in order to accrue as much revenue as possible at the expense of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Around XX/XX/XXXX I tried to remove my security freeze online. It told me to fill out a form to mail to Experian which I did on XX/XX/XXXX. I also enclosed supporting documentation. I have not yet heard back from Experian. Tonight I tried to upload the documentation on Experian 's website but I received this error : Important Note : We were unable to upload your document ( s ) successfully. This site will accept up to five documents in PDF or TIFF format totaling 15 megabytes. Please review your request and try again. You may also submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. All the documentation I uploaded was the correct format and totaled less than 15mb so I 'm not sure why it would n't accept 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 2017-07-26
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: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as social security number, date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and should be deleted 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 2022-02-04
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:
Hello this is a formal complaint to request all credit reporting agencies including XXXX, XXXX, and Equifax to stop reporting invalid information in my name. Listed account information XXXX XXXX # XXXX, XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX are in no way mine. There is a public record for child support on my report and I DO NOT EVEN HAVE KIDS. That is false and misleading and has stopped me from getting a promotion amongst other things. The listed account XXXX XXXX XXXXXXXX # XXXX that I do recognize is not only never late but in very good standing. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: JPMORGAN CHASE & CO.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XX/XX/2021 - {$15.00} - I received a phone call from XXXX, which said they were from Chase Bank Fraud Department. They asked if I authorized a purchase of the above amount. press 1 for yes and 2 for no. This was a recording. I pressed 2. Then the line went silence.

I called the number back and they asked me to input my account number or social security number, which I did not do. instead, I called Chase Bank and told them my problem. Chase Bank had to knowledge of this phone number. I also explained to Chase that my wallet was stolen 5 days ago and did not have my account number so I gave the representative my social security number to verify my account. I am afraid that by pressing 2 to the previous phone call that my conversation was recorded and someone may have compromised my social security number. 
I also received a text from XXXX asking of I authorized a purchase for the same amount, to which I responded NO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
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:
Suddenly appeared account that is not mine. Someone used my personal info and as a result I have this item in my credit report. Please delete this account because its not mine. 

This is that account : Law Offices XXXX XXXX Thank you for understanding )

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