BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-16
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I used my Paypal Credit account to purchase a XXXX Language Course thru XXXX. I got sick and went into the hospital and was never able to use the service. I never activated or downloaded the course. As I ordered it less than a week ago, I called and emailed XXXX XXXX XXXX XXXX XXXX to cancel my subscription, and to refund the charge back to my Paypal Credit account. On XX/XX/XXXX. I received correspondence that the seller agreed to issue a refund. On XX/XX/XXXX, I was told by Paypal Credit customer service rep that they decided not to. That I would have to file another dispute through the Resolution Center of Paypal asking for a refund. Also, while I was waiting for my refund my billing statement came, and there was a {$41.00} late fee attached to my account. This is an enormous amount to charge a Consumer who has a dispute on their account, likewise, I paid more than the minimum that was due, only to be told that the {$41.00} was added because I was three days late. My billing period ends on the XXXX It was due on the XXXX and I paid on the XXXX of the month. Creditor should not be charging these outrageous late fee amounts to make the Consumer more in debt to the Creditor.

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 2023-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
A hard inquiry from capital one appeared on my credit report! I did not give capital one permission to run my credit! It has been removed from 2 of the 3 credit reporting companies it has not been removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX, we began a loan modification with Carrington Mortgage. The modification was approved and being processed. While the modification was in process, I received a job offer that required relocation. At that time, we decided to sell the home while in the process of modification. We continued to make monthly payments during the modification process. We contacted Carrington Mortgage once we received the paperwork to complete the modification and told them we were about a month away form closing on the sale of the home. We were instructed not to complete the modification paperwork since we were selling the home. Carrington Mortgage then reported my account to credit bureaus as 60 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then 90 days late for XX/XX/XXXX, and 120 days late for XXXX and XX/XX/XXXX. Again, during this time, monthly payment were being made. I've disputed via the credit bureaus and have contacted Carrington. The payment history has not been corrected to on-time. This has since caused major issues in trying to get a new mortgage. We need our payment history corrected to on time since on time payments were being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
without notice have had bank account wiped out entirely due to funds owed to a credit card without notice or approval. 

have had holds put on cash deposits have received emails regarding extension of time to deposit money to cover overdraft fees then charged fees and items not paid

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 2023-01-23
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company has failed to pay my insurance premium to the insurance company which resulted that I was sent to collection and my policy was cancelled. After they promised to pay it and they did not pay it. After that they are coming to charge me with XXXX of fees due to policy coverages that they should have paid. Just trying to make money from innocent people. They are giving me false information I believe this is due to my accent and that I am not originally from this country

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 2023-01-15
Company: Millco Management
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Amerifinancial Solutions LLC on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? I sent a debt validation request letter to Amerifinancial Solutions LLC via mail on XX/XX/2022. Tracking shows that the letter was received by Amerifinancial Solutions on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter. 

The debt validation letter is attached to this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 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 ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent accounts ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ), ( XXXX XXXX XXXX XXXX ) Fraudulent inquiries XXXX XXXX XXXX date of inquiry ( XX/XX/2021 ), XXXX XXXX  XXXX XXXX date of inquiry ( XX/XX/2021 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2023-01-16
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
The company is calling stating I owe them money for my business account when they closed it without any knowledge of them doing so. They refused cashing my checks or let me do any service with my account. I would like to keep my business account with them without the restrictions.

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 2023-01-23
Company: Experian Information Solutions Inc.
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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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 2023-06-06
Company: Experian Information Solutions Inc.
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 U.S.C 1681 section 602 A.States I have rights to my privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: IN
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 did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation.

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 2017-12-18
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan was with XXXX XXXX XXXX transferred to Nationstar now Mr Cooper, have letter dated XXXX-XXXX-12 for balance reduction before transferred while with XXXX XXXX XXXX, have sent letter so many times showing proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: SYNCHRONY FINANCIAL
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
this was an issue starting with symphony Bank when I was using PayPal were I tried to make a payment of {$500.00} didn't go through so they added {$500.00} of that to in already XXXX dept then 4 months later made a {$300.00} payment to them doing a plan to close the account then they sold it to the collection agency and haven't reported that it was sold to them which I heard that you have to do within 180 days which they didn't and now they're lying about this account being an adjustable policy or loan which is false it's been 2 years and this whole thing messed with my credit my ability to refinance my car and get an apartment I would like this done and over with so they could back off or come up with a settlement

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 2023-01-15
Company: VW Credit
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a new Audi vehicle and financed the purchase through Audi Financial Services. In order to pay my bill, I setup online access to pay my monthly bill through XXXX. I was successful in setting up my banking information and changing my monthly statements to paperless. 

I tried to make a payment on the XXXX website several times in XXXX of XXXX, but each time the Audi Financial Services Dashboard would not load on their MyAudi site. Clicking on the link to Audi Financial Services Dashboard results in a spinning red circle for a moment, or an error message. I contacted their support line and did a ton of web browser troubleshooting across three computers, but could not get their website to load correctly. Support could also not assist with enrolling me in automatic payments or re-enabling my paper statements- Two actions that can only be done via the XXXX website. 

I have tried several times between XX/XX/XXXX and now XX/XX/XXXX to get the website to function correctly. I have called Audi Financial Services support, I have contacted Audi 's General Customer support, I have XXXX to the brand accounts several times - no one is interested in fixing this broken website. I can see several other people on XXXX have made the same complaint, leaving them unable to get their statements, make a one-time payment online, or make changes to their autopay preferences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
To Whom This May Concern, I pulled my credit report from each bureau to start the 2023 year. I noticed that there were some inaccuracies in my report on multiple accounts. I decided to mail validation letters to XXXX, XXXX, & XXXX on XX/XX/2023. In the letter I asked for each bureau to verify that the information was correct on the accounts in question. I never got a response from XXXX. XXXX and XXXX both verified all information as being accurate and they responded within 30 days. 

The information HAD NOT CHANGED AT ALL, BUT WAS CLAMIED TO BE VERIFIED. THIS IS A CLEAR VIOLATION OF THE FAIR CREDIT REPORTING ACT! 

I repeated this same process on XX/XX/2023. The bureaus received the Validation letters on XX/XX/2023. The only bureau that responded was XXXX. They sent a detailed copy of my credit report. They were still claiming that the information was accurate. 

After pulling my credit report once again. ALL THREE bureaus are still reporting different : High Credit Limits Last Reported Dates Date Last Active Date of Last Payment Different Balances The bureaus lied to me and said that the issues were corrected, but they clearly have not been corrected. This a VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. If each bureau is receiving accurate information on these accounts then all the items I listed should be reporting the SAME ACROSS ALL THREE BUREAUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under. 15 U.S.C1681.

** These items below are inaccurate reports, accounts balances inaccurate dates, multiple creditors under different names, some accounts not mine. 

** Creditors below have yet to provide proper documentation, they respond stating all reports are accurate. Which they are not at all. Still can't prove accounts do in deed belong to myself, name, dob, Birthday and social. 

Acct name : XXXX acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX XXXX XXXX acct XXXX XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX  " XXXX XXXX '' acct # XXXX Acct name : XXXX XXXX XXXX XXXX acct # XXXX Acct XXXX XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX, XXXX # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX, acct # XXXX Acct name : XXXX  XXXX, acct # XXXX Acct name : XXXX XXXX, acct # XXXX Acct name : XXXX XXXX acct # XXXX Acct name : XXXX XXXX IXXXX XXXX, Acct # XXXX Acct name : * 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

* 15 U.S.C 1681 Section 604A Section 2 states I must consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication; * 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

* 15 U.S.C 1681 Section 602A. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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