BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: SYNCHRONY FINANCIAL
State: NJ
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:
We purchased a grill on XX/XX/XXXX and paid to have it delivered. We asked the associate to please deliver one that was already assembled. He said he had several in the front and the back and it wouldnt be a problem. On Tuesday XX/XX/XXXX we got a call saying the grill was on its way but it was not assembled. We refused the order and asked that the grill be delivered assembled as initially requested. The representative said he would speak to his manager and see if we could receive the grill the next day or day after. He called back and said the grill should be delivered in a few days. We had an event planned for XX/XX/XXXX and wasnt able to facilitate is since we had nothing to prepare food on. Finally on XX/XX/XXXX they called and said they would be delivering an assembled grill. I called lowes in XXXX  nj where we purchased the grill from and asked to speak to a manager. A women claimed she was the manager. She asked me for my phone number and claimed she couldnt find the order. She put me on hold for XXXX minutes and never came back to the phone. I hung up and called back and asked for their manager XXXX XXXX, and I was transferred back to customer service only to be on hold for 15 minutes. No one ever answered. I requested a partial refund from the manager, and no one called back or tried to help. This is the worst experience I have ever had and will never ever purchase from lowes hereafter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: AMERICAN EXPRESS COMPANY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hi I looked at my XXXX  credit report and there are at least 5 fraudulent inquiries with American Express on XX/XX/XXXX and XX/XX/2019 and I never applied for a credit card and I notified American Express and they Mark few credit cards application as fraud and told me they will be removed and never did at all and as for XX/XX/XXXX inquiry American Express told me they don’t go back 6 months and they nothing they can’t do .... and I’ve been waiting and I never received a letter from them I stated that I never applied for a XXXX XXXX  on XX/XX/XXXX and other cards afterwards and I would like for these inquiries removed from my XXXX  credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX  XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL 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 2023-09-04
Company: Exeter Finance Corp.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have proof that the company I work for made a banking error in our payments and I get paid every XXXX and XXXX of the month. XXXX  XXXX was not only given a letter to revoke security interest and liens and repo but I explained to them that I would have made a payment on the XXXX if I had been paid but my job made a mistake. Instead they reported that my account was 30 days delinquent and it is not! I have to move at the end of the month and I need this correct ASAP. Please remove this delinquency as soon as possible. Its not supposed to be on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
In this description I will repeat myself several times, because God knows Equifax with Claim they don’t know what I’m asking for.… They do this because they don’t want to correct their errors.I have tried repeatedly to get Equifax to correct this fraudulent account. I don’t understand how Equifax is not sanctioned and fined more than they already have been.  Beyond breach; their systems are poorly ran - their completely incompetent and they never check fraud properly.  Leaving consumers to consistently have to waste time on via phone, mail and Complaints to this agency.   There’s a tiny collection from XXXX on my account,  It’s only $XXXX  but I never authorized this debt. If I had I would’ve paid it!  For gosh sake’s it’s only $XXXX but it’s not mine. I first tried to dispute because I’m not sure how it ended up onReport.I never approved nor signed for this service. Yet once again Equifax fails to ask for proof in writing. I demand written proof with my signature approving any and procedure for this date of service. I know it doesn’t exist because I never authorized service from this company from this time period.My demands1. Demand of proof of signature or authorization of service.2. Removal immediately - Since I know I did not authorize this they should be immediate!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: JPMORGAN CHASE & CO.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX sent me a check for {$25.00} which was sent to an old address and then turned over to the state of Texas 's unclaimed property program. I do not have the required account documents to claim the check directly from the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: MARINER FINANCE, LLC
State: MD
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:
There is a company called Mariner Finance and I never took an account out or I never applied and it's on my account fraudulently also XXXX XXXX XXXX XXXX  as well and something called XXXX XXXX XXXX XXXX XXXX  they also have my information and I never heard of these places. I have a credit freeze on my credit reports for 7 years. I never took these accounts out at all. I am a victim of identity theft, for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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: Account information incorrect

Complaint:
I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXX/XXXX - Acc # XXXXXX - PAID This was disputed and then removed from my credit report under the name "DIRECT LOANS", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Ditech Financial LLC
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:
Ditech Financial LLC f/k/a Green Tree XXXX  XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and XXXX Credit Reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted TransUnion after i sent a letter to them requesting the following unauthorized inquiries be removed and the customer service department and fraud department were not helping me get this removed. I have continually informed them that I was a victim of the inquiry issue they had and the following are not authorized to be on my account. 

XXXXXXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  Miscellaneous XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX  XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Miscellaneous XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX  XX/XX/XXXX TransUnion

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-10-26
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This complaint deals with a Covid-19 forbearance which I was approved for the months XXXX thru XXXX and then to continue payments as of XXXX. 
The problem is the months ( XXXX thru XXXX ) are showing up on my monthly statements as delinquent. 
I called my mortgage company and was informed that I would be getting forms to sign to have the months in questioned rolled to the end of my mortgage term. I was informed that these forms were to be sent out on XXXX. I have not received these forms. 
I stopped in to my mortgage branch after receiving my XXXX statement to make payment which showed I owed for the months XXXX thru XXXX. When I informed them of this issue, I was assured not to worry about the months that are in forbearance and that this would be taken care of on the next months statement as I should be receiving the forms to sign. 
I stopped in to make a payment for my XXXX statement and I informed them that I still have not received the forms to sign, this statement is showing a delinquency for the months ( XXXX thru XXXX ) which are to be in forbearance. I stopped in and talked to them again about this issue not being resolved. I was then informed that it would be taken care of on my next statement. 
Monthly statement XXXX is still showing delinquency, I then again went to my mortgage branch to inform them that the issue has not been resolved, again I was told it would be taken care on the next months statement. 
Monthly statement XXXX still showing delinquency and that my last payment was unapplied to my mortgage. I again went to my mortgage branch informing them of this. I was talking to a customer service rep and was given a tracking number ( XXXX ) for the forms that I need to sign to have the months in questioned rolled to the end of my mortgage term but when I looked up the tracking number it states that it's pending which means that my mortgage company has not sent the forms out for me to sign. 
Monthly statement XXXX still showing delinquency and that my last two payments are unapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A few weeks ago, I received an email from XXXX indicating that there was a collections account on my credit file from a law firm called Kimball , Tirey & St. John LLP. When I looked further into the issue, I discovered that it was for a rent payment that they alleged that I did not pay in XXXXXXXX XXXX to XXXX XXXX XXXX  in XXXX, California. 
I promptly looked through my records and found that I had, in fact, paid my rent that month. In what has turned out to be a stroke of luck, I paid with my XXXX credit card, and I had a copy of my statement from that month, including a payment of {$1300.00} made on XX/XX/2019 to : XXXX XXXX XXXX  XXXX XXXX ... 
I disputed this collections account with XXXX and furnished them with information that I had paid the debt on time, but for some reason XXXX declined to remove the collections account from my credit report. 
I also contacted Kimball, Tirey & St John LLP and provided them with a copy of my credit card statement showing the date and amount of my payment. They responded that they would look into it, but as of this moment, I haven't received any further news. 
If you look at their invoice, of which I have enclosed a copy, and take into account the payment that I made on XX/XX/2019, it becomes clear that XXXX XXXX actually owes me money, since they never returned my security deposit. 
The worst part of all is that this was reported as a collections account to at least two of the credit reporting agencies, and I was in the process of buying a house. Once XXXXimball, Tirey & St. John reported this false or erroneous debt to XXXX  my credit score instantly dropped by 69 points, effectively ruining my chances of purchasing a home in the near future. 
I feel lucky to have solid proof that my payment was made, and I feel that there are likely a lot of lower income families that are victims of similar situations. Families that trust that when they make a payment, that someone is keeping track and doing the right thing. Unfortunately, that doesn't seem to be the case here. 
In the attached documents, I have highlighted the relevant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 disputed the student loan account with Transunion for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete these ASAP. This is very disappointing as it is affecting my reputation as a responsible creditor. DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX**** and DEPTEDXXXX 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 2019-08-19
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: Account information incorrect

Complaint:
I HAVE INACCURATE INFORMATION REPORTING ON MY REPORT:US DEPT OF ED/XXXXL/XXXX - Acc # XXXX - PAID This was disputed and then removed from my credit report under the name "XXXX XXXX", later it was re-added to my credit report under the name "US DEPT OF ED/XXXX/XXXX". The account # XXXX was a fraudulent account, but is now showing as closed with "failure to pay" in the payment history.

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 2020-10-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/2020 U.S.P.S. Tracking # XXXX Experian To Whom It May Concern : This information is being sent directly thru me. I have provided all of the needed Identification documents that Experian requires pertaining to ID Theft requirements.

This complaint needs to be taken seriously. The certified letter was sent to Experian by me.

Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. Please be advised that Experian, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute. Your lack of immediate response clearly violates my rights according to 605B. I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. Transunion has deleted the reported information, and blocked the reporting of these from my current report. XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX Agencies must block identity-theft-related information. FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with FACTA regulations. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX ATTACHMENTS IDTheftReport.pdf ( 140.1 KB ) DL.pdf ( 83.1 KB ) pdf-0089-fcra-605b.pdf ( 65.5 KB ) Experian fraud.odt ( 12.5 KB )

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