BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
" Care Credit '' is a credit service offered to mostly low income people. It can be applied for veterinarian services as well which is very helpful. 

Last year, my neighbor 's dog attacked and almost killed my little dog. They did not offer to help me with the bill. It was over a XXXX dollars. I did not have the money so the vet suggested Care Credit XXXX Synchrony Bank ). I was approved but with an enormous interest rate of 26.5 % percent. This is predatory. This is Synchrony Bank forcing extremely high interest rates on low income people in need. Per pretty good credit since, I requested Synchrony Bank reevaluate and consider lowering my exorbitant and predatory interest rate. They just responded that they refuse to do this. 

" Care Credit '' is a misnomer and people need to stop referring low income people to this credit service. They in fact prey on low income people and their interest rates are predatory. They have also charged me at least {$29.00} in fees! I can't get an explanation why. I am asking CFPB to help me in negotiating a lower interest rate and get an explanation why the fees?. I can say my goal is to pay it off as soon as I can and close the predatory account and never use this credit service again. Thank you.

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 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all the negative accounts from your Equifax credit reports. Account names and account numbers and file Your complaint with the CFPB.

Company response to consumer: In progress
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In regards to ACCOUNT # XXXX : This auto loan was paid off on time every month from XXXX XXXX-present. 
As of XXXX XXXX the account was current, but XXXX  XXXX decided to charge off the account with no late payments starting XX/XX/XXXX. No 30 60 or 90 day late yet a charge off is being reported. XXXX  XXXX stopped generating statements in XX/XX/XXXX and never sent anything in the mail saying I was past due, The car was eventually totaled and my insurance company paid off the loan balance less {$1000.00} deductible.During this process I continued to make the monthly payments. As of XXXX, with Covid, I was laid off from my job. I called XXXX  XXXX who agreed to take a monthly payment of {$27.00} to satisfy the remaining {$1000.00} deductible payment. This payment, as agreed, has been taken out of my bank automatically. They have been reporting late payments every month since XX/XX/XXXX - present. As of today the deductible payment is paid off in full but they are refusing to XXXX explain to me the charge off. No where on my account on their website does it show the account being charged off yet they are reporting a charge off to all the credit bureaus. I have reached out my mail with no response and my phone where they hung up on me.

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 2022-07-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opend an acct with citi as they advertised that If I opened an acct with {$5000.00} and leave it there for 60 days I would receive an incentive of {$200.00} I opened on XX/XX/XXXX after XXXX XXXX I Called XX/XX/XXXX the agent I spoke with confirmed that I would get the incentive, he was not sue about when That would take place. 

I called on XX/XX/XXXX Spoke with an agent who put me on hold XXXX she then infomred me I would get teh incentive I would need to leave the money there until " XXXX '' I asked to speak with a XXXX. 

A lady came on she also put me on hold and returned to tell me I would not get the incentive as " it's for chekcing only ''

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 2023-12-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 XXXX of XXXX I notified XXXX XXXX XXXX of a billing error. XXXX XXXX XXXX proceeded to close my account without resolving the billing error complaint and without providing proof of a complete and thorough investigation pursuant to section 15 USC 1681s-2 ( b ) of the FCRA.

Furthermore XXXX XXXX continues to report a charge off on my credit report and to the credit reporting agencies,. 
According to the IRS a charge-off is consider a certificate of indebtness which means that it is income.

According to 15 USC 1681 ( c ) it is illegal to report a consumer 's transaction history, and must be removed. 
XXXX XXXX continues to increase the balance and past due amount in violation of 12 CFR 1026.13 ( 2 ), 12 CFR 1026.13 ( 3 ). 
XXXX XXXX is violating the privacy act of 1974 by disclosing my consumer record to a person, or to another agency without my written request and without my prior written consent 5 U.S.C. 552a ( b ). 
XXXX XXXX is violating 15 U.S. Code 1681 ( a ) by reporting inaccurate information,

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

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 2022-06-30
Company: EQUIFAX, INC.
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:
Equifax is reporting a negative charge off and loss. Reporting that it is paid and not current. This is incorrect information. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal. I have sent the letter that was sent via XXXX. XXXX. I demand that this be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-28
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I received a signed contract from XXXX ( XXXX ) for services I would provide, in part paid for with a {$1000.00} non-refundable deposit. I sent an invoice through PayPal for that deposit, the invoice clearly stating it was non-refundable. That invoice was paid through PayPal on XX/XX/XXXX. Two days later, with no reason given, I was texted the words that the contract was null and void, and the money was going to be demanded back. Shortly after, I received a message from PayPal that I owe them {$1000.00} and a {$15.00} dollar fee. I contacted PayPal, they provided the information that the payment was made through a charge card with XXXX XXXX bank. I disputed the charge-back, providing objective evidence of the non-refundable nature of the deposit. I tried to resolve this with PayPal, they said it is an external issue with XXXX XXXX. XXXX XXXX says it is an issue with PayPal. Neither has any interest in resolving this. In the meantime, PayPal has threatened to send the information to a collection company. No lawyer will take on a big lawsuit for {$1000.00}. Can you help?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, INC.
State: WI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, us dept ed account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  account # XXXXXXXX XXXX XXXXXXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, us dept ed account # XXXX, XXXX XXXX XXXXXXXX, account # XXXX, XXXX account # 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

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 2022-07-28
Company: JPMORGAN CHASE & CO.
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Reference # XXXX After months of arguing Back and forth. All but XXXX claim has been submitted for a chargeback. The amount is for XXXX. I asked for the claim to be broken up into several smaller claims XXXX or less. My claim was denied yet again. Even tho I didnt receive and goods or services for the funds that left my account. I didnt make the transactions. Im just requesting that chase submit the chargebacks so I can recover my funds. Im told they can not resubmit it and Ill have to handle my issue outside of chase, but who else can submit a chargeback on behalf of them? After I called in to complain about them being 2 days past the date THEY stated Id receive my funds. I found out they restricted and are closing my accounts out of retaliation. Ive never been so abused by a company in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: PR
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:
See included attachment named XXXX XXXX XXXX XXXX XX/XX/2022. 
My response to XXXX XXXX of my CFPB Complaint number XXXX XXXX XXXX XXXX XXXX requires much more than just a feedback as well as CFPB intervention. XXXX is simply abusing with their power and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: FIRSTBANK PUERTO RICO
State: PR
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:
See included attachment named XXXX XXXX XXXX XXXX XX/XX/2022. 
My response to Santander Response of my CFPB Complaint number XXXX XXXX XXXX XXXX XXXX requires much more than just a feedback as well as CFPB intervention. Santander is simply abusing with their power and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: CA
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 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX  ) 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: PNC Bank N.A.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to open a short sale on my property since XX/XX/2022. I am been put through a loan modification process that is denied? Since XXXX I have been calling and emailing 100 's of times to see what is going on? Now the bank is saying in another denial - Your loan on the related property has received the maximum number of foreclosure alternative options that are permitted by the assignee or mortgage owner of your loan. They have not allowed any? We will go to foreclosure as they are not willing to help. We have a buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: BARCLAYS BANK DELAWARE
State: IN
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Trans union Investigate the account XXXX XXXX its not mine. If you don't I will sure sue you. Your inproper tactics are Sickening. 



What's wrong with you?

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 2022-06-08
Company: SERVICEMAC, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made an extra principal payment on my mortgage on XX/XX/2022 to reduce the loan-to-value ratio ( based on property purchase price ) below 80 %, and I requested removal of PMI. My loan servicer, ServiceMac, emailed me a form to complete on XX/XX/2022. I completed the PMI removal request form and emailed it back to ServiceMac the next day on XX/XX/2022. ServiceMac never acknowledged receipt, so I followed up via email on XX/XX/2022 to see if they received the form. They responded 9 days later on XX/XX/2022 that they received the form and that it was under review. They subsequently responded on XX/XX/2022 that the investor required a broker price opinion ( XXXX ) at a cost of {$150.00} to support removal of PMI ( even though I paid down to less than 80 % LTV based on purchase price and numerous free automated valuation models ( AVM ) are available to support that the property has obviously not depreciated ). I responded same day on XX/XX/2022 that I found it hard to believe that an AVM was not available and asked them to clarify if I paid the principal balance to less than a 78 % LTV that PMI would be removed without the need to pay for a PBO. I received no response. I sent subsequent emails on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 asking for the status of my PMI removal request and have received no response. ServiceMac is clearly delaying the process to continue to charge PMI, which I have requested to have removed. The fact that they have stopped responding at all to my requests is wholly unacceptable.

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 2022-04-25
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have shown many times the charge is not mine and that I never lived at that address and do not know anyone at that addresss.

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 2022-06-08
Company: Experian Information Solutions Inc.
State: NC
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, Name : XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

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 2023-11-16
Company: WELLS FARGO & COMPANY
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filled fraudulent claims in time with Wells Fargo. 
They paid a few fraudulent withdrawals from my account from international companies and found the. To be fraud THEN denied others from the same company! I have tried to work with them and then they closed my accounts!! No trusted them with my inheritance and they did nothing to help me get my fraud claims resolved! Its their way or in my case in debt and broke! They have put me with bad credit and no money! They let thieves take my money out of my account! 

Once contacted I will forward all of the bank statements

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