BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my 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 2018-06-11
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed my XXXX  account and the {$5400.00} funding amount was not returned.

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 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 name is XXXX XXXX XXXX I Submitted a dispute to TransUnion regarding items on my credit report. XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX acct number XXXX. I submitted this letter in an effort to have this issue taken care of. 

I then received an updated copy of my report with the items still being displayed on the credit report with no proof of validation provided me by the alleged collection agencies. The credit reporting agency claims to have validated the debt with no proof and has simply matched accounts and addresses and claiming they have validated the above-mentioned debt. 

Please find the attached document which is a copy of the updated credit report. I have not received any other documents from the collection agency or the credit reporting agnecy in compliance with the law providing validating documents with signature and agreements. 

According to the FCRA, they have not satisfied the legal standard.

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 2020-11-09
Company: Experian Information Solutions Inc.
State: NV
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 accounts listed are not my accounts. Please remove them. I am not a credit repair company nor am I a mortgage company.

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 2020-04-27
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon, My name is XXXX XXXX, my family and I have been trough a tremendous hardship, both my husband I have medical issues. I was diagnosed with XXXX first and shortly after my husband was diagnosed. We tried several times to no avail for a modification and then tried to sell property as a short sale. Lender claims that since 2 appraisal was done and they can not do any more as per HUD guidelines. The problem being property value has decreased significantly and last appraisal was done over 6 months ago. The last appraisal came in at such a high value as well with no decrease based on the property damage and repair. I am asking for some help for them to just send another appraiser over so they can see themselves the property condition and value it accordingly. Last appraisal came in for {$XXXX}. I'm attaching the value sent by a XXXX. This value is based on no damage to the property. Please I am asking for some help. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This complaint is for JPMorgan Chase Bank and their collections services XXXX XXXX XXXX XXXX. The account I had with JPMorgan was for a credit card that needed to be paid. The account was then passed to XXXX XXXX XXXX for collection. I called XXXX XXXX XXXX on XX/XX/XXXX and identified the debt with JPMorgan Chase Bank with account representative XXXX XXXX XXXX. On the same day, the debt was settled for {$2700.00} and paid through a check from my XXXX bank account deposited on XX/XX/XXXX. I received a letter sent from XXXX XXXX on XX/XX/XXXX stating that XXXX accepted the settlement for the referenced account. It was stated on the phone that the settled debt would be reported to JPMorgan Chase Bank, then updated and removed from my credit report. However, I received mail notification sent XX/XX/XXXX that XXXX XXXX and XXXX XXXX XXXX are now trying to collect a new and different debt in the amount of {$1800.00}, which was reflected on my credit report. I am not acknowledging that I owe this amount, nor do I validate this amount as it conflicts with my notification of debt settlement received by XXXX, and what was discussed verbally on the phone. Supporting documents are in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-11
Company: Midwest Recovery Systems
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:
Midwest recovery systems is reporting on my XXXX report that I dont have any knowledge of, please show me validation of debt with bearing signature with my name. If not please remove and delete if you cant provide me with it documentation with in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

DEPTEDXXXX XXXX {$4500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: Experian Information Solutions 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

DPT EDXXXX XXXX {$430.00} DPT EDXXXX XXXX {$7100.00} XXXX XXXX XXXX {$470.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$470.00} XXXX/XXXX   XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$1400.00} XXXX XXXX {$2600.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$730.00} XXXX XXXX {$0.00} XXXX XXXX {$360.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My name is XXXX XXXX I am consumer, a natural person. On Monday XX/XX/2021 I contacted PayPal Credit Card Services and spoke with XXXX, I informed her my payment in the amount {$3900.00} was not applied to my account and I question why. She looked up me account and informed me she did not understand why that error occured. I spoke with her Supervisor XXXX and she informed me that XXXX forwarded my information to the dispute department. I am concerned as I take my finances very seriously. I remitted my money order by there directive and in accordance with the law as UCC 3-603/3-311 directs

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 2018-11-09
Company: Colony Brands, Inc.
State: NC
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 appeared on my credit report as an inquiry on XXXX, Immediately calling them, I was advised that there is an account In my name with an active balance. I asked to have the account closed and marked as fraud and was advised that literature will be sent to me in the mail, I provided them with my address, as of yet I have not received anything from this company and they will not assist with rectification. I am unsure of how to prevent my credit from being damaged. The company name is XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2020-04-27
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX around XXXX XXXX  an ad was posted on XXXX  for a switch bundle for {$210.00} under the account name XXXX XXXX. I showed interest in the product and they asked if I could pay through Paypal family and friends to " not get charged the extra fees ''. Then about an hour or two after I had paid for the item the same images under the same account were posted with a similar but slightly different description and by the next day the user profile was deleted from depop. I am now aware that XXXX has no responsibility for this since the payment was not submitted through the app and pay pal is not recommended when buying off XXXX. I have reported a dispute through Paypal. The payment was a split between {$140.00} of PayPal Cash Plus balance and {$69.00} from a XXXX XXXX visa. I called XXXX  XXXX to file a claim on a fraudulent transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: National Credit Systems,Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written letters to National Credit Systems to have this debt validated and provide written documents with signatures regarding the issue. I have not received any correspondence regarding the matter the only thing I have received is an updated credit report that claims validation. I know that this is a violation of the FCRA. I'm asking this agency to intervene and remedy this situation immediately. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried several times over the last four to six weeks to link my PNC account to XXXX   through the XXXX service. XXXX  claims that PNC has made changes to their service and thus can no longer be linked to. This has happened with both XXXX and XXXX XXXX both use the XXXX  service to link bank accounts XXXX. I have spoken with PNC and they have sent me to XXXX, claiming it was an issue with their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 filed several complaints against the company and they continue to ask for the same information. In there response of XX/XX/2020 they write they have received my drivers license however need a copy of my Social Security Card. The social security card as well as my drivers license were both mailed in the same envelope via certified email. A number XXXX XXXX XXXX was provided for my custodial parent XXXX XXXX XXXX XXXX to call if there was any further question. On XX/XX/2020 XXXX contacted the number and was advised there would be a delay due to COVID 19 AND SHORTAGE OF STAFF ( UNDERSTANDABLE ). After a 15 minute wait he spoke to XXXX of customer relations who transferred him to another number which he was on hold in access of an hour before he hung up.

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 2020-06-22
Company: BANK OF THE WEST
State: CA
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:
Last time when I forwarded a complaint to CFPB regarding Bank of the west or BOTW, BOTW took exactly 60 days to respond to my concerns, so this time I want to give them  a heads up in the beginning. 

I filed two disputed on XX/XX/2020 and I have proof of that, one charge was from XXXX   XXXX  for {$120.00} ( dispute amount ) and the other one {$3.00} I am just letting BOTW know about this through this platform, so later they don't come up and say that they didn't receive the disputes from me. 

Because they can come up and say anything. 

I am also attaching the emails I received on XX/XX/2020 from BOTW regarding my disputes.

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 2020-11-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I filed bankruptcy in 2016 which included a wave runner threw synchrony bank. My attorney advised me they would not repossess the wave runner if i kept my payment current this was again told to me by synchrony bank threw multiple phone calls with there bankruptcy dept. Shortly after a repo man came and wanted to repossess the wave runner. Even thow my payment was not late. Shockingly i called them and they advised this was in error and would be fixed. I asked for confirmation letter or a email too support this and was told it was too be provided and if i kept payment current i would gain ownership of the waverunner. No such notification was given and multiple people said different things no one could figure out what too do. 4 years later a repo man comes and says he has come for the waverunner and the police were coming to arrest me for theft!. I am shocked by this and tell the guy it sat here 4 years! And that i had tried to correct the issue and that the bank abandoned the waverunner for 4 years!. As the waverunner was kept in storage the repo agent was upset and demanded i take him too it which its out of XXXX county to which i live i declined i felt he was lying about the police and allowed him to ramble and said we can wait for the police to arrive or you can leave my property. My security camera system recorded the encounter. He got in his tow truck as he said he would find my storage and he kept bolt cutters just for that reason and drove down the road and sat for awhile and then left my neiborhood.

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 2019-09-06
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR
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/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through One Main Financial. One Main did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Byrider Franchising, LLC
State: CO
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:
XXXX XXXX we financed a XXXX XXXX XXXX. A week later it was in the shop for a front passenger windshield washer spray hose. XXXX XXXX the XXXX dies out on XXXX practically leaving us stranded. We take it to the shop same day days later they explain it is the transmission, it gave out. We leave it for them to fix and we hear nothing. I call back they say the transmission has not been delivered yet. I ask well can we get a loaner to get to work rudely he said we normally don't do loaners but in this case ok. We felt just as scared and worried in the loaner because the check engine light was on also in the loaner? On XXXX XXXX they call and say the XXXX is ready we get there pay a {$25.00} dollar deductible only to find the Service department lost our car key made us a new one which did not have our gas cap key and also did not open the back hatch? We drive away only to die out the same day leaving us stranded. Next day XXXX XXXX we drop it off at the dealership again. Later that day they tell us the crankshaft sensor went out. We drive it for 2 days and on XXXX XXXX the XXXX is stalling and the check engine light comes back on? We got to the point we can not handle this anymore XXXX XXXX we go in to voluntarily surrender the Jeep due to mechanical issues XXXX XXXX took our plates that we paid for and held them in the Service department making us feel hostage for wanting out of the contract. We signed the voluntary surrender paperwork with XXXX and instead of XXXX being a gentleman and giving us our plates XXXX had to go get them for us. Then JD Byrider later that day did a hard inquiry on our credit this is negligent on their part and we feel our credit should not suffer because of this. Since we had the XXXX we paid the loan on time each time the loan payment was due. We even made a payment while the XXXX was in the shop. Please can someone help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: Experian Information Solutions Inc.
State: NY
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:
I created an online account with XXXX XXXX / XXXX XXXX. The sign-up process requires that you share your social security number with them. I initiated an online chat conversation with a customer service representative to inquire about the firm 's underwriting standards ( loan-to-value ratios and required down payments ) for single-family investment properties. I explicitly stated during this conversation that I was not applying for a mortgage with XXXX XXXX and I did not want my credit score pulled. Within the week, my credit score had been hard pulled by XXXX XXXX  twice explicitly without my consent.

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