BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: World Omni Financial Corp.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Southeast toyota Finance has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than 2 late payments. I was never 30 or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for 20 mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I orderd a {$600.00} Flute from XXXX XXXX XXXX website using my Synchrony Bank / TJX Platinum Mastercard the item was never delivered/sent to me as promised as indicated on my confirmation of sale email from the seller XXXX XXXX XXXX. On the seller website when I placed my order the delivery date was 90 to 180 days for the flute to be made and sent to me as indicated on my confirmation email from the seller. I emailed the seller asking about the item after waiting 180 days and was told that the item was not done I asked the seller to cancel my order the sellers response was they don't offer refunds. I then placed a dispute with my credit card company Synchrony Bank / TJX Platinum Mastercard I provided the confirmation sales email that indicated the 90 to 180 days for completion. Synchrony Bank / TJX Platinum Mastercard denied my chargeback as the seller claimed that I agreed to wait XXXX months or a year or however long it would take to send the item out to me, that is compltely untrue and I have the confirmation email that indicates otherwise. The seller changed the dates because they were taking orders that they were unable to fufull in the timeframe that I was given when I placed my order on XX/XX/XXXX. I tried to dispute the charge agin as I still have never received the item and the dispute was denied agin and the seller calmed that the item was deleverd but no proof of that because the item was never sent out. I have a confirmation of sale email from this seller and you can check the shipment status it clearly shows the item was never sent out. I ordered another item from this seller before this and on that confirmation email the status shows delivered. I have placed a complaint with the XXXX XXXX XXXX and the XXXX tried to make contact with the seller multiple times and did not get a response. My complant about XXXX XXXX XXXX is listed online with the XXXX. I will continue to dispute this charge I agreed to the the item being sent out in the time frame on my confirmation email and the website on XX/XX/XXXX ( XXXX to 180 days ). The merchant has changed the their website and policy due to not fulfilling orders in the timeframe that they gave to me and other customers on or before XX/XX/XXXX. I NEVER AGREED TO WAIT XXXX MONTHS OR A YEAR OR MORE!! Completion date given XX/XX/XXXX or XX/XX/XXXX ( item never completed or sent out ) I recently sent letter and a copy of the confermation to Synchrony Bank XXXX TJX Platinum Mastercard. Any help with this matter would be greatly appreciated. I am a XXXX Veteran and what I thought would be an easy fix has caused my so much 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 2023-06-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone, somewhere, & somehow has gotten my social security number and applied for bunches of different credit cards online apparently because I have XXXX hard inquiries and I did NONE them myself!!

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 2023-06-02
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( XXXX, XXXX and Equifax ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( XXXX and XXXX ) responded by saying that they called the loan servicer ( XXXX ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with XXXX. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX  College in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. XXXX said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to XXXX within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and XXXX to corroborate my information should I need to tag legal action. XXXX admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. XXXX has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX etc. 

3-4 calls every single week, they don't have a valid debt they're trying to claim, have been calling for months and months, and have requested to be removed multiple times after telling them they don't have a claim. Nothing stops them from calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: CITIBANK, N.A.
State: TX
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:
XX/XX/XXXX purchased new windows + installation XXXX XX/XX/XXXX received installation. 

The installation team provided by XXXX XXXX damaged my ( new ) windows and house during installation. Note : No measurements were done day of installation to ensure windows would fit opening properly. 

Afterwards, I received minimal project team support, limited communication, no inspection results, no communication w/ project team XXXX regarding full refund, a broken window before it was even installed along with a damaged frame, wrong sized windows and honestly an overall horrible experience. 

The XXXX were all too small, they forced the to fit with a XXXX. Installers had to bend frames. They damaged bricks with excessive force to get old frame out, made excessive holes in new window frame with screws. XXXX XXXX XXXX holes open in multiple places, ripped apart security wires from old windows and pushed the open wire down the window holes w/o taping off, stuffed paper towels down brick hole to fix brick hole after, placed screws to low creating puncture holes for water to go down walls. XXXX measurements were not done correctly -- too short and were supposed to be custom & were match measurements of previous windows. Standing water not going out weep holes. Called HD multiple times in XXXX, XXXX and XX/XX/XXXX for resolution, but response limited and no resolution. 
Never received inspection report. XXXX did independent inspection and fixed damaged made by installation crew to house due to the fact that nobody from XXXX XXXX sent someone over to fix the damage. 
I bought my beautiful house in XXXX in XXXX and trusted XXXX XXXX with my investment. Request full refund.

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 2023-06-02
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it conerns, SANTANDER CONSUMER USA is reporting a due balance of {$33000.00}. However, they are continually trying to charge my card every month for the car note. They have already repossessed the car. However, they are trying to charge my card on file every month instead of selling the car and putting the remaining amount on my credit. According to my account on Santander, it says I have a REMAINING BALANCE OF {$16000.00}. However, they put over {$33000.00} worth of debt on my credit report which is an FCRA violation for inaccurate reporting. ( 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. This is unacceptable I have proof of a violation being committed and I have filed a police report. PLEASE REMOVE THIS FROM MY CREDIT I HAD NO KNOWLEDGE OF ANY OF THIS INFORMATION DURING THE TIME OF SIGNING I WS TRICKED INTO PAYING A {$5000.00} DEPOSIT FOR A CAR THAT I WAS TOLD WAS {$10000.00} THIS IS ILLEGAL AMERICAN CITIZENS DESERVE BETTER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Good afternoon Consumer Financial Protection Bureau, I am contacting you because a loan was opened using my wife and I social security and personal information. We got our passports, credit cards, social security cards, and banking information stolen. My wife and I we saw a loan called XXXX  that was opened under our name while we were shopping for a car then we decided to contact the company. After months of contacting the company, they decided to send me a bunch of paperwork for a fraud dispute, I completed all the paperwork more than six months ago. I been calling the company for six months and they keep saying " don't worry we going to escalate this issue and get back to you. '' the company has not done anything and they keep negatively reporting on my credit. They stopped answering my emails and they are not interested in solving the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
Experian XXXX and XXXX is currently reporting it monthly as a late payment.

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 2023-06-02
Company: Westlake Services, LLC
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off the loan on XXXX, 2023. I received a letter on XX/XX/XXXX saying " Also enclosed is your title and contract documentation that we had on file for your loan. '' the only thing the letter has enclosed is a Lien Satisfied letter, and a two-paged list of various business names that Westlake Financial says they have rights to service, secure or release the interest on vehicles with. 
When I called them they told me I have to go to DMV and pay for a title. I told them, no... you are supposed to provide me the title after the loan is paid off. She said the 'title is verified ' and I could not understand her words when I asked what she meant. She was clear about telling me that I would need to go to DMV and show them the lien satisfaction letter and then pay for a title. 

It's my understanding and previous experience with every auto loan I've ever had, that once the vehicle is paid off the financial institute that held the loan provides the title to me. I told her I believe they are required to provide the title and she kept repeating that the title has been " verified '' I gave up and told her I would file a complaint and force them to provide the title.

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 2023-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/XXXX at approximately XXXX PT, I logged into my account at Chase and noticed that I had an abnormally low balance. I checked my account activity only to realize that a payment I had sent was debited twice. 

I immediately called Chase and was told the issue was known, there was no immediate resolution to the problem, and that I would have to wait for the problem to be rectified to get access to the money. 

Chase did not notify me proactively at any point about this supposedly known issue. Chase has offered no compensation for the inconvenience and continues to offer no solution other than to wait until they can resolve the issue. 

As far as I'm concerned, this amounts to Chase withdrawing money from my account without authorization and it should be investigated immediately. Chase customers should be compensated for this issue. Chase should be penalized for the negligence in failing to protect customers from the issue and failing to notify customers of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: BSI Financial Holdings, Inc.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, my wife and I sold our home. Our mortgage had been held by BSI Financial. To facilitate the close of the home, a payoff quote was obtained. I noticed that there was an " Unpaid Fees '' item for {$1600.00}. My wife and I never missed any payments and were unsure of the source of this fee. I contacted BSI and was told that this fee was for an appraisal done in XX/XX/XXXX for a partial release. My wife and I had looked into this and did authorize the appraisal, but ultimately decided to wait until we sold our home to split the land. 

The appraisal was done by XXXX XXXX in XXXX, UT. We were very impressed with them and paid them to do an appraisal in preparation for listing our home. We were charged {$450.00} for the appraisal. Moreover, BSI Financial 's website says appraisal fees run from $ XXXX {$550.00}. With these two bits of knowledge, I was confused about the {$1600.00} charge. Through email exchanges, all I was told by BSI was that the third party, XXXX, that facilitated the appraisal had charged them the {$1600.00}. I contacted XXXX XXXX and was told the amount billed to XXXX  was not that high. So, I contacted XXXX. They told me that on XX/XX/XXXX, BSI Financial approved a fee increase from the amount billed for the appraisal to the {$1600.00}. I was told that any further questions needed to be directed to BSI Financial.

Unfortunately, BSI Financial never responds directly to my questions and is never transparent. They would have known that they authorized this fee increase, but did not tell me about it. Furthermore, they intentionally chose to charge me, a faithful payer of my mortgage, more than {$1000.00} above what they were likely billed by XXXX XXXX, all for the purpose of making more money and taking advantage of me. I have provided this information to BSI Financial and informed them that I will get an attorney involved if they do not resolve the issue. I have not heard back from them as of the writing of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Today XX/XX/XXXX I called JP Morgan Chase to make a payment on the loan that was transferred to them from my old servicer rocket mortgage. At first they were unable to find any account information but then the conversation proceeded into them not being able to accept a payment because my " transfer had not been completed '' and that there was a XXXX blackout for any payments being made. I went to a branch to physically hand them a check and was threatened with the police being called if I were to just leave it in the branch. This conversation was had with the branch XXXX in XXXXXXXX XXXX XXXX 

I have received no paper communication from JPMorgan Chase as of today only a text message and a few emails. 

I believe this mortgage servicer is in violation of the terms of the agreement with them because they will not allow me to make a payment. 

I have attached a picture of the document that I had intended to leave with the bank, pertinent information redacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 filed many letters to XXXX, Transunion and XXXX about the inquiries on my credit report that I dont recognize as well as filed ftc reports. They have not responded to my dispute letters in timely manner nor responded to my follow up letters in compliance with the FCRA and are sabotaging my credit report which is keeping me from buying a 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 non-monetary relief
Consumer complaint received 2023-06-02
Company: Kikoff 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 am trying to buy a home and these things are reporting on my credit and I have had identity theft done to me already. And these things are hindering my progress and are certainly a defamation of my character. They need to removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to file a complaint against XXXX XXXX XXXX XXXX regarding their validation response to a debt on my credit report. On XX/XX/2023, I sent validation letters to all three credit bureaus regarding a debt in the amount of {$1200.00} attributed to XXXX XXXX XXXX XXXX. I included my identification, credit report, and supporting documents with the letter. 

Although it has been nearly 30 days since I mailed the validation letter, XXXX XXXX XXXX XXXX has provided a validation response affirming the debt. However, I find this validation response questionable as it does not align with the information I have provided and raises concerns about the accuracy of the reported debt. 

I firmly believe that XXXX XXXX XXXX XXXX has not adequately validated the debt in question. I request your intervention in investigating this matter to ensure that the debt is properly validated and that my credit report accurately reflects my financial obligations. 

Thank you for your attention to this complaint and for your efforts in protecting consumer rights.

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