BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-27
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found a hard inquiry on my XXXX credit report on XX/XX/2021 from SunTrust DBA Lightstream, created on XX/XX/2021. I called the phone number on the report ( XXXX ) XXXX and spoke to XXXX and told her I never applied for anything with SunTrust so I don't know why they are pulling my credit report. She told me there was an application submitted and I told her it was fraudulent because I never applied for a loan with them. I asked her to please shut down the application due to fraud. She made a note of my phone call and gave me a reference number of XX/XX/2021 - XXXX. 

XXXX XXXX, I received a letter from SunTrust stating that they were researching this issue. Towards the end of XXXX, I received another letter from them saying that I applied for an unsecured line of credit on XX/XX/2021 so they could not remove the inquiry from my credit report. I called them on XX/XX/2021 at the phone number listed on the letter, ( XXXX ) XXXX and spoke to XXXX. She then told me they did not find anything to make changes and said I should speak to an 'advisor. ' They never even asked me to during their research what my actual contact information was to see if it there was a mismatch with what the fraudster submitted. They did not seem to care that I have fraud alerts on my credit reports either. I don't know how they are protecting consumers from identity theft when they are supporting criminal behavior and penalizing a consumer for being an identity theft victim.

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 2022-04-13
Company: OpenRoad Lending
State: AR
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:
I have inquiries from XX/XX/XXXX for XXXX XXXX, XXXX  XXXX. XX/XX/XXXX for XXXX XXXX  and XXXX  XXXX. I also disputed these with the bureaus and they responded they were verified. I then sent letters to these companies and they also responded verified. I called them directly XX/XX/2022 and was given the information for Open Road Lending. I was told they could remove the inquiries if Open Road Lending sent a letter requesting the removal. I contacted Open Road Lending and spoke with XXXX and I explained I never applied for a refinance auto loan. I asked if she could send me proof and she stated all she could send was the adverse letter I was mailed which I never received. As I was asking if she could sent the letters to the banks requesting a removal she states she could not assist me and I have to disputed it with the bureaus. I explained again I have taking all those steps and was redirected back to their company. She started huffing as if she was getting annoyed with me. She then told me by law she had to provide the adverse letter and thats all she could assistme with. I provided my email for the information she claimed she was emailing to me. She told me to call My Auto Loan for further assistance as she could request a removal of the inquiries. I never received any emails from Open Road lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: AVANTE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am submitting this complaint because I am being extremely affected by AVANTE USA XXXX, they are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

because I want to give AVANTE USA XXXX The chance to solve this matter before any legal action is taken. 

Account information : Opened Date : XXXX XXXX Balance : {$4300.00} Currect payment Status : Collection Demand and remedy : Deletion account and waive the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Amsher Collection Services, Inc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The amount for my phone bill was not the same amount that was on my contract. I would like for this to be looked at again and possibly deleted from my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 sold a car, a  XXXX   XXXX , several years ago. The car is no longer owned by me or anyone that I know. It was purchased sometime in around  XXXX  or  XXXX ,  XXXX , in  XXXX , VA. I sold it in  XXXX ,  XXXX , in  XXXX , TX. I no longer have any records for the vehicle. The only information I have is a loan number that shows up on my credit report. When I applied for a loan to construct a new home, the bank asked about it. I reported it to the bank and to credit reporting agencies as an error, a closed transaction that should not appear on my report in  XXXX ,  XXXX . I respectfully request your assistance in having that  XXXX  Loan acct taken off my records.

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 2021-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with PORTFOLIO plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Unable to get my credit report from Experian I paid XXXX  dollars to get my report to Experian in a certified mail money order and Experian didnt honor my request

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 2016-03-13
Company: Penn Credit Corporation
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX is debt collection they keep calling we do n't have any debts we want them to stop calling 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 2015-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX/Capital One Credit Car debt. It is being reported as settled. This company has not provided for me validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, INC.
State: AL
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:
On XX/XX/2021, I sent my first letter to the credit bureau about this account ( XXXX XXXX ) and I have not received a response. It has been 4 months and I have sent a letter every month since. They have had plenty of time to investigate and validate this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: EQUIFAX, 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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-29
Company: Santander Consumer USA Holdings Inc.
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
HELLO, I AM TRYING TO BUY A HOUSE AND NEED A CREDIT BOOST, I AM REQUESTING SANTANA TO HELP BY RE-INSERTING MY ACCOUNT BACK INTO XXXX XXXX AND DOUBLE CHECK XXXX  SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2021-07-27
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Exactly a year ago I applied for refinance of my current high interest mortgage with XXXX XXXX a US Bank Mortgage officer. My intent was to refinance the current 4.9 % interest to a lower 3.1 % interest Mortgage and take {$25000.00} out for remodeling. 

My credit is excellent and have been sending all the documents required as requested in a timely manner. However, after almost seven months delay, I was transferred to a different loan officer, XXXX XXXX who apologized for the delay and promised to complete the process within weeks. A few months passed and without any notice he transferred my file back to XXXX. 

In the meantime, on XX/XX/XXXX I informed XXXX, XXXX, and the processor XXXX that I have a 0 % interest 2nd loan with XXXX XXXX and sent them the subordination request form that I received from XXXX to allow them to take a 2nd position. However, this was ignored by all of them. 

Eventually about a month ago on XX/XX/XXXX XXXX XXXX the processor contacted me to tell me the loan is in final approval stage and informed me the loan package is set up to pay off the XXXX XXXX XXXX. I made it clear to her that my intent was not to replace 0 % interest with interest bearing loan from US bank. To refresh her memory, I resend the email that I had previously sent to all of them back in XX/XX/XXXX clarifying my intentions for applying. She apologized and informed me that despite my wishes the loan was set up that way and there was nothing that could be done to change it. Despite their negligence, she suggested that I restart the application process from scratch. I then made several attempts by phone and email to XXXX on XX/XX/XXXX attempting get explanation why the error happened and get a better understanding of what can be done moving forward to avoid the same kind of mistake from happening. It has been almost 4 weeks ; he has decided not to respond to me directly. Instead, he keeps sending me multiple confusing applications for me to sign. 

Despite the unprecedented delay in approving the refinance and processing cost incurred as well as high interest payment for over a year, I am still being mistreated. This has certainly been a very frustrating experience. 

On XX/XX/XXXX I contacted the Manager XXXX XXXX hoping offer amicable resolution. However, on XX/XX/XXXX he emailed me back saying the application was closed and his solution was to offer me the {$390.00} refund of my application fee practically denying me refinance with US Bank.

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 2023-04-10
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo would not assist in modifying existing mortgage and I lost my house.

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 2022-04-13
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The TransUnionXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-07-27
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:
HELLO, I AM INQUIRING ON THE NEGATIVE ACCOUNTS THAT ARE STILL CURRENTLY REMAINING ON MY CREDIT REPORTS WITH XXXX  AND TRANSUNION. I'VE HAD ALL THE XXXX  ACCOUNT REMOVED DUE TO INACCURATE INFORMATION AS WELL AS THE XXXX  COLLECTION ACCOUNTS WHICH DO NOT PERTAIN TO ME. I DEMAND TO KNOW THE REASON WHY TRANSUNION AND XXXX  HAVEN'T SENT ME ANY CORRESPONDENCE REFERRING TO MY INVESTIGATION WITH THEM AND I HAVE YET TO RECEIVE A RESPONSE AS TO WHY THOSE REMAINING ACCOUNT ARE STILL REFLECTING. I'VE SENT THEM A LETTER IN ORDER TO DISPUTE THE INCORRECT INFORMATION AND NEED TO KNOW WHY ... ...

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 2021-07-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed EQUIFAX a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from Equifax firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to your guidelines and I demand that Equifax examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed item must be investigated and delete it. 

1. This is not mine. I strongly believe - account was opened by fraud. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
CRA not in compliance with FCRA & FCPBA this investigation is taking longer than it should.

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 2021-07-27
Company: SYNCHRONY FINANCIAL
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against Synchrony Bank Walmart located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Walmart has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2016-02-16
Company: Servis One, Inc., Titusville, PA Branch
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My home mortgage is or was with XXXX XXXX a company out of XXXX from what I 've found online. In XXXX 2015 they stated XXXX XXXX XXXX. @ XXXX, will now handle their banking of loan. This XXXX was a scam, after many phone call saw that I was paying more to cover my property taxes, they 1st hide the fund seeing I would not drop it. They stated on my " Statement '' {$1700.00} paid in for credit? was for taxes. Then I thought was fixed they got the OK to sell to BSI in XX/XX/XXXX, we 'll XX/XX/XXXX rolls around taxes not paid, and the {$1700.00} was gone. BSI had a employee XXXX XXXX who stated that they and XXXX were partners same company just we do banking. He went on to state they had call 's, complaints and more that XXXX x of XXXX 's had issues with XXXX, fluffing the books, moneys missing. I gather proof with XXXX and mailed it to get told " we 've passed the loan '' and deal with the new company - BSI, just as shadie I 've called over 20 time W/cell phone, alone to show a pattern, leaving voice mails, no calls back. When their personal collecting agent call, I state I want to speak with XXXX, not available they 've now stated Monday XX/XX/XXXX he was fired. What it come down to for telling everyone the fact on XXXX rip you off, and we 'll BSI working to fix it but I feel it 's a scam also. We think XXXX feel 's I 'll drop it as, They stated " we do n't care to deal with it ''. I need someone to look into this ASAP, as it 's loan fraud by the banking again, if XXXX 's of XXXX 's are like me scammed then told late payment or skip a payment was to rip off payment. The scam like seen on news XXXX company all good loan 's set up a XXXX then " make 's mistakes, then they send buyer to home and by mail, the XXXX make sure to not take call 's, and loss more funds. I was never late, taxes covered, and all good the XXXX who work with XXXX come 's in now I have late fee 's money stolen, and we 'll found out all are all XXXX owned as XXXX company, trying to get more then they are allowed and my home, with banking scamming. 
I tryed to upload a letter or XXXX proof, just cant work computers -

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a debt that has been cleared up with XXXX XXXX. They actually owe me money due to an overpayment. I have asked 3 times for CCS Collections to stop calling me but they wo n't.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation