BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
XXXX  file # XXXX, the reporting agency has been reporting incorrect information for a specific creditor named " SYNCB/Care Credit ''. I have sent and submitted multiple letters to XXXX  even called on the phone multiple times over a course of several months to have the issue resolved. I have demanded several times that they DELETE that specific creditor due to them reporting incorrect information. I have requested in my letter for them to send me proof of " verification '' on how they verified their information and XXXX  has not sent me any proof other than they have verified the information. This creditor is reporting that they were included in an alleged bankruptcy on my credit profile dating a discharge date of 2020. This information is not correct as I have paid that specific account off several years ago. I have even called Care Credit Who also confirmed that the account was paid several years ago but is reporting that they were included in a bankruptcy just as recent a last year.

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 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2020-07-27
Company: JPMORGAN CHASE & CO.
State: CO
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:
After extended unemployment, we experienced a XXXX foreclosure on our home. It went to auction and sold for enough to pay off all loans and liens. Chase Bank, who had our 2nd loan for {$69000.00}, then charged off their loan in XXXX despite it having been paid off and closed previously in XXXX. Chase called near the end of XXXX to collect on a figure that wasn't even part of any paperwork I had seen ( saying we still owed {$0.00} on the loan ). I thought I had rectified the issue, but I come to find out that they charged off the loan in XXXX when in appeared on my credit report. I called to correct the issue and on 3 different occasions was told different amounts that were owed ( ranging from {$750.00} to the original amount to being told it was verified as paid off ) As of XX/XX/XXXX I have passed along all of the documentation from the county including the check that was sent to Chase and their legal team but can not get a timely resolution to the issue and I need to purchase a new vehicle. I am currently considered an unreliable loan applicant due to this " charge off '' strike on my credit report. I just need to get this issue resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
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: Information belongs to someone else

Complaint:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: NY
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 provided a notarized statement of fact that Ive been a victim of identity theft and the credit bureaus have not removed the accounts

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 2018-02-05
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
First, I keep meticulous records of all my financial transactions. Any time I make a purchase, I keep my receipt and reconcile my ledger every day. Twice in the past month I have noticed my bank account decrease by approximately {$200.00}. The first time it happened, I went into my local XXXX branch and discussed it with a banker. I showed them my ledger/activity and compared it to what they had in their system. This didn't yield any explanation for the discrepancy. I made the adjustment to my balance in my ledger to account for this 'missing ' amount. It happened again about 2 weeks later, for around the same amount. I can not seem to make any progress as to get any answers from Wells Fargo. I have read online of other customers facing similar situations with their checking accounts. 

Please help!

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 2021-05-25
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: Investigation took more than 30 days

Complaint:
Equifax, XXXX, and XXXX  credit companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
XXXX, TransUnion, and XXXX  credit companies are not complying with their own policies in a timely manner.

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 2018-04-01
Company: Bread Financial Holdings, Inc.
State: AK
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 opened XXXX XXXX credit card on XX/XX/XXXX and made a purchase on the same day in the store for which I made the payment same day. I was supposed to get a permanent credit card in my mailbox which I never got and I did not activate the card. I recently pulled my credit report to find delinquency on this credit card. I found that there were payments accumulating on my XXXX XXXX XXXX XXXX but, I never made any purchase with the card after XX/XX/XXXX. As per the company, there is a transaction of {$160.00} made through my card on XX/XX/XXXX. Due to no payments for this transaction, my credit score and credit report are being spoilt. But I never made this purchase as I never activated my card. I figured this recently and filed a complaint with the credit card company on XX/XX/XXXX, but they are taking too long to sort this out. I am unable to do anything without my credit score getting back to originally what it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
To be honest, it's been months since I checked my credit report and I realize some of the information is still wrong. XXXX credit reporting agencies are required to certify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Treating these reports as unconfirmed information without providing evidence within the legal deadline is unacceptable. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) Investigate any items that can not be verified and remove them from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-31
Company: Dovenmuehle Mortgage, Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have called more than XXXX  times since XXXX as I have yet to get credit in my mortgage acct for {$30000.00} XXXX paid since XX/XX/XXXX. XXXX XXXX dollars! 
Surely I thought If I can get a pay off statement at least it would show. But I stead of showing I owe approx XXXX $ on my home loan it still shows over {$62000.00}. I have been told numerous times it takes XXXX business days to apply credit. We are now at XX/XX/XXXX. No credit showing. Where is my money and the XXXX funds that have been submitted by XXXX????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Square Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On today, XX/XX/2021, I had two transactions taken out of my account, sent from cash app to an anonymous. The two transactions were for {$150.00} and an additional {$50.00}. I have already contacted my bank, I have to wait til the charges arent pending so I can start the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under is U-S-C 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 U-S-C 1681 602 A- Stat 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 instruction.

15 U-S-C 1681 C- ( A ) ( 5 ) Section state : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of conviction of crimes which antedates the report by more then seven years.

15 U-S-C 1681 -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My vehicle was involved in a collision on XX/XX/2018. My car was taken to the dealership for repair and my insurance issued a check payable to myself and Capital One to be endorsed and sent to the dealership, XXXX XXXX XXXX, to pay for the repairs. I endorsed the check and forwarded it Capital One per their instructions. Capital One instead credited my account for the total amount of the check which was significantly less than the payoff balance. This check should have been immediately recognized as a check for repairs and not payment as it was sent by the insurance company and I had previously notified Capital One of the accident and insurance claim. 

After many weeks and phone calls, Capital One finally acknowledged their mistake and removed the credit for these funds from my loan account and agreed to forward a check in that amount to the dealership that had performed the repairs on my car. After many weeks of waiting and multiple phone calls, I was told many different things such as the repair check WAS being overnighted out, the repair check HAD been overnighted out and then finally that I had been misinformated and that they do not *ever* overnight checks but that a check had been mailed via U.S. Mail on XX/XX/2018. I advised them that I intended to seek legal counsel if this was not resolved quickly at which point they told me that they would no longer speak to me and would only speak to an attorney calling on my behalf. I then sought an attorney who called Capital One on my behalf. He was told the same story by Capital One that a check had been mailed directly to the dealership and to check with the dealership. 
To date, no check issued by Capital One on my account has ever been received by me nor the repair dealership of XXXX XXXX XXXX. Several weeks ago the dealership called Capital One directly and was told that the check Capital One insists they mailed has not been cashed and that they could stop payment on the check and send a new one. The XXXX XXXX XXXX employee confirmed the address it was sent to as correct and asked that a replacement check be overnighted to the same address. Capital One denied their request for an overnighted check but said a new check was going out. Today is XX/XX/2018 and I am still unable to claim my car from the dealership as they have still not received the forwarded funds my insurance company paid to have my car repaired from Capital One. I have been making payments on my loan all of this time but have been without the use of my vehicle since XX/XX/2018. 
We have recently experienced a major national disaster as I live in an area devastated by Hurricane Florence and public transportation has not available in my area and taxi or ride sharing services are limited. This is making my ability to get to work nearly impossible and may cause me to lose my employment impairing my ability to make future payments on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: CONTRACT CALLERS INC
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contract Callers Inc, XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX Phone : ( XXXX ) XXXX I submitted a dispute on my credit file, but the company insists that the debt is mine. 
I have requested that Contract Callers verify the debt twice, but they only send me a printed screen shot of their billing system. I have advised Contract Callers that I did not live at the address during the billing dates and I had cancelled my service several months prior to the dates they provide. 

The debt collector is unable to provide any other verification of the debt but they still will not remove the debt from 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 2023-06-16
Company: Albert Corporation
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hey, I have a prepaid with Albert, my payroll comes to this account, however in the system my routing number was correct but the last 4 digits of my account number was not, so my pay was sent to wrong account, contact customer service with Albert, lot of back & forth messaging, state for me to contact direct provider, am confused, they are my provider, we corrected everything with my employer by putting the correct last 4 digits in the system, we did our part, then I was to call Albert, no resolution at all, just contact your direct provider

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: BSI Financial Holdings, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Request mortgage assistance for my home several times for my mortgage. I have had XXXX, 2 times. My mortgage company has not tried to help me keep my home and give me mortgage assistance. BSI has mailed me a letter stating the investor XXXX XXXX does not want to help me with mortgage assistance. I don't want to lose my home

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
For many years I have been in direct contact with all three credit reporting agencies and two companies that are currently reporting negative on my consumer reporting file and they refuse to validate the debt. I have never applied, used, or paid for credit card via XXXX XXXX XXXX and the collection account XXXX XXXX XXXX can not submit any application or contacts to validate the account. Also they are incorrectly reporting payment history on XXXX XXXX and XXXX accounts.

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 2022-02-26
Company: Paypal Holdings, Inc
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX venmo notified me by email that a payment on my account of {$200.00} from XX/XX/XXXX was being disputed. About a week later they froze my account, took my {$60.00} balance and said I can't use my account until I pay them the rest, {$140.00}. After emails and calling many times over the next 2-3 weeks I finally got the name of the person who made this payment to me 4 years ago. I reached out to her per venmos instruction and she told me she did not dispute any payments, nor does she have the same accounts or access to a refund from 4 years ago. Venmo said my dispute was closed and my account would remain frozen until paid in full. They stole my {$60.00}, and are demanding I pay them money that nobody asked for. I have copies of the emails for proof of how poorly they handled this, the last time I called this week they said they couldn't do anything else but reopen my dispute case, but there was nobody that could help me over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-27
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received an email about a collection on my credit report, it stated I opened this account 11 months ago and never paid the amount due this is a lie. I have been with XXXX XXXX for the past 2 years and before that I was with XXXX 2 years prior to that this is a false charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a death validation letter on XX/XX/XXXX requesting copies of agreements with the client the grants them to collect a debt signed agreement with the debtor yeah that I have a contract all obligation to pay the debt collector any agreement the bear signature of myself to pay the creditor all statements why the account was open. I also requested the name and address of the ledge predator the name on fall of the ledge debtor alleged account number address on file for the lodge debtor amount of the alleged at the date to do that became payable the date of the original delinquency, And stating they had 30 days to return the information to me.All I received back from them was a letter stating that their information was correct, they did not send any proof of the debt, I also did not get that letter till today which is the XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief