BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing with the Credit Bureaus for the immediate removal of the Fraudulent accounts and information being reported on my Credit File. It has been 5 months since I started disputing my Credit Report but it seems like the Credit Bureaus have become negligent of the Federal statute and their duty with the FCRA. Under the Fair Credit Reporting act section 605b, the Credit Reporting agencies are required to remove any accounts and information that resulted due to identity theft. But the Credit Bureaus have been ignoring my Disputes. The last letter I sent to the Credit Bureaus was dated XX/XX/2022, with the same Attachments I have been attaching from my previous Dispute letters. The Credit Bureaus have been claiming that the disputed items are verified and reports accurate information. However, they have failed to send me copies of proof of verification or any documents bearing my signature. I can say that the Credit Bureaus have been ignoring my disputes as well neglecting the FCRA regulations because the Accounts ' dispute status are still reporting as " Account not Disputed '', despite the fact that I have been disputing my Credit File for 5 months already. Under the FCRA section 605b, I am requesting that the Credit Bureaus stop their erroneous reporting and remove or delete the disputed accounts and information completely from my Credit Report : XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXXXXXX Balance Owed : {$8100.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$100.00}

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 non-monetary relief
Consumer complaint received 2022-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
On XX/XX/XXXX I submitted a dispute to XXXX. In this dispute, I asked XXXX to remove Portfolio Recovery Account Number Ending in XXXX because the information was inaccurate. My dispute stated the date of first delinquency was incorrect and that the account was reporting past its statue of limitation for credit reporting. Portfolio Recovery is reporting a time-barred account. On XX/XX/XXXX XXXX responded to my complaint stating the information had been verified as correct. XXXX did NOT conduct a reasonable investigation and the investigation result details clearly show that. In the XXXX response I received, XXXX is reporting the date of first delinquency being XX/XX/XXXX. They are also reporting that the account was opened on XX/XX/XXXX. There is no way possible for an account to be delinquent before its even opened. For XXXX to show this in their investigation results displays they have not conducted an investigation and didnt bother reviewing the information. This is willful non-compliance and also a violation of my rights under the FCRA. This account needs to be deleted immediately. 

Ive attached the investigation results in this complaint, highlighting the issues mentioned above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-03
Company: TRUIST FINANCIAL CORPORATION
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:
Previously I had a BBT credit card in my name that was opened in the XXXX XXXX TX branch without me being present or signing my name to any documentation by a banker that was opening an account for a XXXX XXXX XXXX XXXX with my husband. My husband opened all of the deposit accounts w/ joint ownership, which I agreed to. However, the banker lied to my husband & told him that the credit card was in his name only since he was the one in the branch at the time. We proceeded to use the card but elected to close the account bc BB & T erroneously reported 4 late payments on my personal credit, which was incorrect, as we had setup autopay and bc bbts system was terrible at best, our autopay wouldnt work certain months and we were locked out of making payments manually online, as well. Therefore, when we raised these concerns, bbt came to an agreement with us that they would remove this card entirely from our credit report when/if we paid off the card, which we did, and bbt proceeded to remove the card from all bureaus until a year later when they showed back up & caused my credit score to plummet right before buying our $ XXXX house- this increased our APR from 2.66 % to 3.375 % costing us XXXX of dollars! I demand removal of the bbt card immediately and in return we wont file suit against bbt & their criminal banker that used my info to open a CC without my approval.

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 2023-05-11
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a XXXX Credit Card from Synchrony Bank. 
Am under the promotion of 0 % for XX/XX/24 months for some of my projects that would add upto over $ XXXX or around.since around XXXX XXXX 

Meanwhile, I also purchase from XXXX regularly products using this credit card with 5 % discounts. 

Since I do not like to be in debt, I keep overpaying by 'thousands ' than my regular minimum payment on the 0 % promotion AND also assuming that this payment would be applied towards my regular purchases. 

This FRAUDULENT bank charges me for late fees and interest fees saying those payment are for the promotion and NOT regular purchases. 

Since, I know this is Fraudulent activity by the Bank, am able to fight it out get the Interest/Fees waived off. 
But, am sure this bank is charging such fees to other customers and duping them with this fraud activity. 

This should NOT have happened to me and I shouldn't be fighting for an interest/late fees that I should not be paying in first case as am overpaying by thousands, not even hundreds. 

Every Bank that you overpay, first applies that amount towards regular charges and then promotions that has 0 % but this Synchrony bank is conducting malpractice to dupe it's customer and indirectly XXXX customers. 

Please conduct an investigation on this Bank and you may discover more such malpractices

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 2022-07-03
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bought an item at XXXX XXXX using a new comenity bank credit card on XX/XX/XXXX I had purchased roughly $ XXXX in fishing gear. I paid {$200.00} cash leaving roughly {$90.00} on the card I do bot have exact amounts on hand but can find them as needed. I went to make first payment XX/XX/XXXX website wouldnt let me register my card. Kept saying there was an issue. Tried the next day and got the same thing. Then the next day a message on the site says regular maintenance shut down been this way ever since, been trying to pay by calling and could finally pay tonight XXXX on a quick pay option, was charged {$32.00} in late fee, and will likely ding my credit as I dont fit into their XXXX message. my issue is they have a new message saying that they will not ding credit and charge late fees for XXXX. Ive been trying to pay since the XXXX. Also they say my payment was due the XX/XX/XXXX which I had gotten the card XX/XX/XXXX. That is not a month, I could not register my account, maybe already registered account holders could sign in and pay till XX/XX/XXXX but I, a new card holder was unable to register my card. I tried to register tonight XXXX and it says my card is already registered and activated which is impossible. Im extremely frustrated and have been building my credit responsibility since I turned XXXX ( now XXXX ) without one late payment and now Im scared my perfect track record will be ruined due to this issue. As a new account holder I was affected more than an account holder whoms account was registered already. I have made a {$90.00} payment as owed tonight and do not want to pay a late fee for these issues. I do not want to be charged as I was likely the first to see these issues and afraid they will hurt my credit to take my money and close the window of effected customers to a narrow XXXX which is not when these problems had first began

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: National Credit Adjusters, LLC
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was given by the National Credit Adjusters my social XXXX and my email address XXXX that I have found to have been placed in the black web over 22 times and I since have opened identity theft claims. Due to this issue, it is hurting my credit filings and is causing me hardship, stress, and credit denials. 
I was also provided from the representative of National Credit Adjusters with the street address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX That is not my address, never have lived at this address and in which does not belong to me. 
I was then given the email XXXX to dispute the alleged account along with an account number # XXXX, I was also provided with the open dates of the mentioned account of XXXX XXXX, and XX/XX/. Stating that this account belongs to the original owner of XXXX XXXX. 
I have no known recollection of this account nor have I opened an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Mr. Cooper Group Inc.
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My loan started out as an XX/XX/XXXX loan with XXXX. It was transferred to XXXX  XXXX XXXX. It was then transferred to XXXX. It is now with Mr. Cooper. Mr. Cooper says they can not locate the original loan terms and can not offer me any information. 
The company misled me about my options. I requested to be considered for a modification during my Covid-related hardship on XX/XX/XXXX. They placed me in forbearance until XX/XX/XXXX, after which time they told me that I didn't qualify for a refinance. Now they are foreclosing on me and they won't talk to me. They refuse to tell me who the owner of the loan is so I can negotiate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This account was opened on XX/XX/2017. In have tried disputing it since as I am not aware of this account, it was not me who opened it. However I was unable to reach a manager amongst attempting numerous times. I have repeatedly received calls over the years. I tried resolving it as this is inaccurate information on my credit report and no resolution was made. I would like for this account/collection to be deleted from my account as it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 XXXX credit cards with Capital One. My cards have been paid in a timely fashion. Even while I was negatively impacted financially due to COVID-19, I paid timely for longer than I could. I was finally provided an Accommodation by Capital One for both accounts : Forbearance & deferring payments according to the CARES Act for COVID-19 pandemic which is retroactive to XX/XX/XXXX. 
Capital One has failed to comply with FCRA requirements and has reported to CRA late for two 30 day and increments XX/XX/XXXX, XX/XX/XXXX for one of my accts, 30 days late XX/XX/XXXX for the other account. 
I have spent time and numerous efforts to correct the inaccuracies on my credit reports. Irrespective of providing proof of accommodation as well as payments, the items have been not been removed. After I paid to have rapid rescore done and extra month of later was added for one of the accounts, further decreasing my credit scores and payment status. 
This patch is negatively impacting my credit reports, ability to place myself in a better financial position with lower interest rates, increase my credit limits with Capital One and other credit cards I have and the like. 
I have paid twice for a rapid rescore, promised the derogatory information being reported would be removed and even this has fixed the problem only temporarily. 
I am responsible with my credit and finances ; the CARES act for COVID-19 accommodation should be properly applied in this circumstance. I need this permanently removed. Thank you Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
To whom this may concern : Ive had an account with chase bank for 10 years and on XX/XX/2022 chase decided to close my account without my knowledge. 

My check was deposited into my checking account from my current employer and chase froze my account and did not provide access to my hard earned money. I called the XXXX number which advised me to walk in the chase bank and speak with a teller which the teller told me they have sent a check out and I should receive via mail within 10 business days. 

Today ( XX/XX/2022 ) is the 12th business day. Ive called again today and asked why I havent received my money yet and a lady said to please give a couple more days. Ive been patient enough and this is unacceptable because I have bills to pay. 

Also back in XXXX my original account was reported fraud and Ive gotten so many letters regarding the issue on my checking account and it only wrote off some of the deposited checks in my account without my knowledge or consent. I always walk into a Chase branch to discuss this matter and was ensured that I would be compensated but I have yet to receive that check for the original account that my paycheck was also deposited into that original account which was taken from me and I was left with a negative balance on my account. 

I reported my debit card lost and I did not notice until I signed into my online banking and realized I had way to much money in my account that I had no idea where it came from and I called the bank to report it. I also filed a police report. Now I am no longer an account holder with chase and I need answers and my hard earn money back. 

Ive been receiving letters regarding that I owe a negative balance from my initial account when I reported fraudulent of the unauthorized charges. Also chase wrote off on some of the unauthorized deposits and withdrawals but not all and it makes no sense at all. If I dont get a response or help with this situation I will have to take this to higher measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXt Account # XXXX by XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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 2022-12-03
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:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ) and ( XXXX XXXX XXXX XXXX Account # XXXX ) have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A 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 2023-09-08
Company: WELLS FARGO & COMPANY
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I accessed 2 websites for gaming ( not gambling, you can not win money you purchase credits or coins to play games ). In the past I could see I was being over charged and contacted XXXX, I explained to them that I was being charged for coins/credits I did not receive. With no explanation for this issue they told me to keep a log of purchases. I did this and it would balance for a couple days then I would see a bunch of debits on my checking account. Finally I realized what was happening. If I initiated a purchase and it came back denied for NSF I was not given coins requested the purchase was declined. At that point nobody is out. Then after my bank would go back and pay these amounts because I have over draft protection. So XXXX  was paid for a transaction that was declined and should have stopped there. I was never informed at a later date of overpayment or anything of the kind. They would just take the money. 
Now I have researched back to XXXX and identified over {$12000.00} of NSF items and XXXX said they could see when a purchase was declined then later paid but said they couldnt tell if I received the credits or not, they just sweep the account. I submitted a claim for refund to their system and it was denied. They told me they could resubmit the claim but it would probably be denied because it doesnt recognize these unique circumstances. XXXX did say that if my bank filed a chargeback the request would more than likely not be denied. I filed a dispute claim with Wells Fargo and they closed the claim within a few days with no email or call or anything to me. I have tried to speak to a manager and have been denied each time being told a manager was not available, and that one would call me back which to this point has not happened. It is clear to XXXX and to Wells Fargo that this has happened but neither is willing to help me. This is not a case if buyers remorse or anything. I dont want my money back for credits I received. I want my money back for the money that was taken erroneously/fraudulently. 


Dispute History Check the status of all your disputes. 
Account Number XXXX XXXX ... XXXX DateTransactionAmountClaim Number Date,XXXXTransaction,XXXX  Transactions in ClaimAmount, XXXX XXXXXXXXClaim Number,XXXXStatus : Closed Date,XXXXTransaction,XXXX  Transactions in ClaimAmount, $ XXXX XXXXStatus : In Progress Cancel Dispute

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 2022-12-03
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I recently bought a house from AmeriHome mortgage company LLC. I thought I had a VA Loan with guaranties. The house was suppose be inspected and appraised. I am still waiting on the reports and the house has closed. I was given a home warranty, this was to insure that the house was good. But after a couple of days everything began to break down. The pool pump stopped working, the wiring has been compromised. The conduit is rusted out causing the wires to ground out. This is just one problem with the electrical, there is open slots in the electrical breaker box. Nothing is label correctly and there is several circuits missing form the panel. It is not up to code, I was told that the property was inspected by the VA rep and approved. But the standards that the VA provide to its service members are not being met. Now the home warranty company is saying they do not cover the repairs. The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX said this house was up to code and passed inspection when they sold me the house. It is not up to code.

Company response to consumer: Closed with explanation