BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-24
Company: ID Analytics, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Hello, I recently leased a car with a 1 time cash payment made up-front. My financing was put through XXXX. 

About four weeks into the lease - on XX/XX/2020 - XXXX  sends me a note saying they have chosen to reject the application for financing given information contained in my credit report. They did say they've made an offer to the dealer to adjust the terms / re-send and that I'm being notified as it's my right to see what is in my credit history. 

Two scores were listed in the notice - XXXX  had me listed at XXXX which is roughly in line with my monthly credit scores I receive from 2 banks ( XXXX & XXXX  XXXX XXXX - always somewhere between XXXX-XXXX  ). SageStream - who I've never heard of - had me instead listed at XXXX which seems way off of any score I've ever seen having watched these for ~4 years now. 

Further, the only reasons given for this low score are - Limited History for consumer at this address [ As if I'm a risk given I just moved cross country - all loans and accounts have not been impacted in this move or my prior moves ] Total account balances Too few retail accounts Too few active accounts [ these all seem similar to complaints from other vendors ].

Finally - when I seek out a consumer entitled report from SageStream I am pointed at their website or fax to submit my request. I also require my social security, detailed perosnal info such as birthdate, and my drivers license. 

I do not feel comfortable giving this to a company that looks partially like a scam and am not given any other options to send this report to either my current address ( whcih to be fair - is 2 months old ) or one of my previous more permanent addresses - of which the USPS could forward the mail as I have my move on file with them ). 

Finally - it seems utterly absurd to me that there is a company out there that seems to be undercutting my credit score via invalid methods. I can understand a 20-50 point swing, but to cause me to not be financed via a score that is >110 points off ( on a loan I paid 100 % in case up front ) seems ridiculous and personally I feel like my consumer rights ( not to mention my right as an American citizen to travel freely in our country having committed no crime or ever failed to meet a financial commitment I've made ) are being impeded.

I've tried to contact the dealer to understand if they received any notice. Ultimately this seems like a shady piece of business from SageStream LLC and potentially XXXX  to find cause to tweak their contracts to their benefit by publishing faulty records on their consumers. 

Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/19 I deposited a check for XXXX from my husband account the funds cleared on XX/XX/19 was told there was a hold on the check because its a new account I deposited a new a check on XX/XX/19 for XXXX the bank is holding my funds and is refusing to give me my money and both checks cleared on the account it was written on.

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 2022-08-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have been demanding Experian to remove XXXX XXXX XXXX XXXX, XXXX XXXX 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, and XXXX XXXX XXXX from my credit report. This has been going on since XXXX XXXX XXXX  I never gave them written permission to report these on my credit report. They continue to report inaccurate information. This is identity theft. I have lost confidence in Experian and will no longer extend my credit until everything is resolved.

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 2017-07-10
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was charged a offer draft fee XXXX/2017 on my PNC wallet. I had XXXX to cover the transaction, and PNC failed to withdrawal the amount from a pocket of the wallet and unscrupulously charged me XXXX when in fact I had more than enough to cover the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from 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 2021-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX ( " XXXX '' ) placed two inquiries on XX/XX/XXXX and XX/XX/XXXX. I did not authorize these inquiries. I do not own any products from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
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 2017-09-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This complaint is with Wakefield and Associates. I have contacted this company numerous times to get a duplicate medical debt removed from my credit report. The debt is from XXXX/XXXX XXXX XXXX  XXXX XXXX with a balance of {$650.00} from 2012 that shows up on my XXXX and XXXX reports. When I called Wakefield and Associates, I was told they no longer had the debt and that it was sent off to their legal department. They gave me like 10 different telephone numbers and each person that I called did not actively have the debt in their office. One guy even got extremly nasty and rude with me for trying to find out. So, I called Wakefield back, since it shows on my credit report that they are the ones who reported it, but they said that they could not remove the debt because they no longer had. They have yet to tell me correctly who has the debt and I feel that since they put it on my Credit report that they should be able to remove it. I have been reaching out with them refuses to remove the inaccurate information because they no longer actively have the account. If they no longer have it, how can they keep the charges on 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 2021-06-13
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi, i have an account with chime bank since XXXX, I traveled to XXXX last month and after three weeks while in XXXX i found two unknown transactions ( withdrawals ) on my account from an Atm in New York on XX/XX/XXXX for {XXXX} so i called the bank and i told them that wasnt me and that im in XXXX and i have my card with me in my hand so they told me its a fraud and we will cancel your current card and send you a new one and we will open an investigation and will return the money back in 10 business days, after 10 days they sent me an email that the investigation is closed and my dispute is denied and I wont get my money back so i called them to ask why and i told them that i have all the proofs that im in XXXX and my card is with me, how come someone else use it in New York .They told me that this is their final decision and they wont give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This account has been resolved as of XXXX XXXX. I want it off of my credit report NOW. 
My XXXX score went up after reducing overall debt on XX/XX/XXXX. Equifax did not reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several times I've complained about being a victim of identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX OF XXXX XXXX, XXXX OF 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 2017-07-06
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 mailed in a request for credit line blocking along with a copy of my D L, SSC, I dentity Theft Affidavit, and proof of address. It was sent by certified mail on  XXXX   XXXX . To my understanding it has yet to be processed and the time fra me is 4 busine ss days. I have called numerous times to check the status and I believe the people overseas who answers the calls have absolutely no idea what I 'm talking about. I 'm completely getting the run around and being told to check back.

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 2020-04-23
Company: Avant Credit Corporation
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Avant allow a person to use my information to open up an account and they are refusing to remove this fraudulent debt, even though they've acknowledged that the debt was not mine. They have yet to produce my wet signature to confirm this was my debt.

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 2017-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have contacted XXXX XXXX XXXX. My initial call was made over 30 days ago in late XXXX. This collection agency has 2 duplicate charges from XXXX XXXX in XXXX KY on my credit report, that I requested to get removed. One for {$3900.00} and the other for {$3800.00}, both with a principle balance of {$2600.00}. I was advised that the duplicate could be removed after a 30 day investigation, even though the rep that I spoke with advised that they placed the charge on my credit report twice himself. Both charges hit my Credit report in XXXX on in XXXX and the other in XXXX. XXXX XXXX also placed the account in collections with XXXX XXXX XXXX as well, so in actuality I have 3 marks on my credit for the same exact thing. I have contacted Transunion and XXXX as well and seem to be getting nowhere with the removal of these charges.

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 2019-10-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I applied for paypal credit. Got approved thru Synchrony Bank which extends for Paypal. 

I did this credit application to purchase a massage chair from XXXX. 
Chair arrived. Was NOT AT ALL what description and performance claimed. 

I returned it under the 30 days easily. MEssaged merchant from beginning. 
Also arrived scratched. 

Product is from XXXX but was shipped locally from XXXX Calif. 

I returned it with the XXXX shipping label they provided for the 2 separate boxes they sent. 

Tracking Labels box 1 XXXX larger box ) - XXXX Tracking label 2 -  XXXX XXXX came and picked up on XX/XX/XXXX. 

Merchant claims XXXX did not deliver. Not sure if it is XXXX  or Merchant but Paypal credit/Synchrony bank is charging me {$120.00} per month minimum payment on item I returned, that was scratched and malfunctionable. 

I reached out to paypal they wouldn't help me. I reach out to XXXX they said I didn't return item in 30 period when I did. XXXX is claiming they can not locate anymore? 

Not sure what to think or who commited the fraud/error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16
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: Personal information incorrect

Complaint:
The addresses that are listened are not mine. I've never lived in any of those addresses before. Please delete them or be fined {$1000.00} per minute for fraudulent information, identification and bills.

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 2020-03-02
Company: Nationwide Recovery Systems, Ltd
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Robo calls at all times of the day and night, Keep asking them to mail support evidence that I owe them anything and they keep opening collections on ghost balances I do not them anything and want them to stop harassment and using my social security number as their dumping grounds. They failed to mail me any supporting evidence and when I tell them to stop they call even more, sometimes it is a person that has a heavy XXXX accent and can not understand them. 
I am sure I am not the only one with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: MD
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:
There are incorrect negative items on my credit report XXXX  XXXX Account # XXXX Late Payment : XX/XX/2017, XX/XX/2017, XX/XX/2017 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 2020-02-24
Company: EQUIFAX, 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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-13
Company: World Acceptance Corporation
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
World Finance Corporation ( XXXX XXXX XXXX XXXX, XXXX, SC XXXX ) continues to file information on my report that should not be listed at all because it is beyond the statute of limitations. This debt was paid in full and World Finance continuously reported the full amount of the loan was due after it was paid. Which was an incorrect amount if you look at prior reporting that showed only a balance of XXXX due for years. World Finance has now updated the account stating it is in good standing. Despite the debt being from XXXX. I have filed multiple disputes with XXXX and it is still being reported by XXXX and has caused my credit rating to increase then decrease each time World Finance updates an account. I also have filed dispute with XXXX XXXX. However it should now be removed.It is eight years old and should not be reported. I live in the state of Kentucky and I believe that World Finance is continuing to make entries on my credit report maliciously. I also feel that XXXX has not researched the debt correctly and has continuously allowed World Finance to make malicious entries on my report and has not investigated my claims thoroughly or efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I sold my house in XXXX  and paid off the mortgage with Mr. Cooper in XX/XX/XXXX. I moved to XXXX, where I am trying to buy a house. Mr. Cooper has never reported the mortgage history on any credit bureau. I need that history reported to complete my new mortgage. 
I contacted Mr. Cooper on XX/XX/XXXX, and asked them to report it. Unsatisfied with the answer, I spoke with a person identified as a supervisor. He told me because we had experienced a bankruptcy in XXXX, that we should have reaffirmed the mortgage and did not. We were unaware of an action called reaffirmation. He said Mr. Cooper could not report anything to a credit bureau due to the non-reaffirmation. 
I told him I would be contacting the CFPB ( on the advice of our new lender ), and he said " go right ahead '', implying he was not going to do anything to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: JPMORGAN CHASE & CO.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have had a checking account with chase bank for years. I 've always been told by their staff and even on recorded lines that if your account is overdrawn you have 24 hour of the transaction to bring the account back in good standing before you 're assessed an overdraft fee. I even have notifications provided by chase bank that notify me the account is overdrawn so that a deposit can be made. Recently, two automatic draft that are processed from my debit card were drafted and immediately assessed an overdraft fee. These two charges happened on the same day. I was never given the chance to cure my account. I 've now been told by their customer service department they do n't have the ability to override the system to reverse the fees because of a limit I 've exceeded. Where the fees were returned classified as a courtesy instead of rightfully as a " bank error ''. I 'm exhausted with the " run-around '' and newly found policies that chase bank all of sudden brings to light when I have something like this happen. I need help getting my account reconciled so that I can leave this financial institution and not have to pay the bank my weight in fees to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-06
Company: National Business Factors
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
charging 10 % compounded daily on all debt received ; have stated this is worse than student loans. Another account has gone to them and they have already starting accruing interest as of sending out the letter stating that they now hold the account. business is national business factors ; collecting on behalf of XXXX XXXX hospital XXXX

Company response to consumer: Closed with explanation