BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-16
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2020-03-07
Company: EQUIFAX, 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:
In approximately XX/XX/XXXX I secured an installment loan with XXXX XXXX to purchase a mattress. the loan was paid off in XX/XX/XXXX. 
I was advised be XXXX that in XX/XX/XXXX XXXX mailed a credit card to XXXX XXXX .XXXX   XXXX , XXXX , CA XXXX. Approximately {$6300.00} in fraudulent charges were made on this card. After many phone calls to them, XXXX   sent me a letter dated XX/XX/XXXX stating " The XXXX XXXX Fraud Solutions team has reviewed your claim and confirmed your XXXX XXXX account was used without your consent '' And also " You didn't make these purchases and because you have {$0.00} Fraud Liability ... you are not responsible for them '' However, on XX/XX/XXXX XXXX reported to Equifax that the matter was under investigations " with possible negative negative impact to my credit score ''. 
IT IS MY OPINION THAT XXXX KNOWS WHO THE ALLEGED FRAUDULENT PERSON IS. Prior to all the above, in XX/XX/XXXX,  XXXX, on behalf of its customer XXXX XXXX XXXX, tried to transfer {$4500.00} out of my XXXX XXXX checking account. Per XXXX, one of the addresses listed for XXXX XXXX XXXX was the same address that XXXX had mailed the credit card to, being XXXX XXXX XXXX XXXX, XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
Illegal inquiries  hard n soft frauds pulls

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 2015-07-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Over a XXXX month period I made additional payments to my mortgage that were supposed to be applied to principal. 
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXon XX/XX/XXXX I was charged the interest due in XX/XX/XXXX that would have been significantly reduced by the principal payment had it been properly applied. 
on XX/XX/XXXX both payments were applied to principal. 
on XX/XX/XXXX the additional principal was applied as a XX/XX/XXXX payment and I was charged for XX/XX/XXXX 's interest again XXXX days prior to the interest even being due. 
When we discovered this issue we requested a correct to the account. CCO Mortgage has repeated changed the account always placing the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal after all the interest is calculated. 
It is now XXXX and I had an approved automatic payment removed from my Checking account that was lumped in with the XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX principal in an attempt to correct the Mortgage payments. CCO is now claiming my XX/XX/XXXX payment is late even though it is clearly been paid. 

I have XXXX been overcharged for interest. 
They have XXXX attempted to fix the account but even though they are supposedly banking professionals they continually apply principal payments after they calculate interest in a clear attempt to overcharge me. 
Payment History:XX/XX/XXXX - Normal Payment ( Principal, Interest Escrow ) XX/XX/XXXX - Additional Payment of {$5000.00} applied by CCO Mortgage as the XX/XX/XXXX payment. 
XX/XX/XXXX - Normal Payment applied as XXXX - Additional {$5000.00} payment applied as XXXX - Normal XX/XX/XXXX Payment. 
XX/XX/XXXX - Additional {$5000.00} applied as the XXXX payment by CCO Mortgage. 
XX/XX/XXXX - Initial call to correct the account payments. 
XX/XX/XXXX - XX/XX/XXXX Multiple attempts by CCO to correct the payments always charging more and more interest with each attempt to correct because they continually apply the principal payments after they calculate each months interest. 
XX/XX/XXXX - Normal payment taken out of Checking account but applied as Principal. 
XX/XX/XXXX - Called CCO Mortgage with an attempt to fix the missing XX/XX/XXXX payment that was lumped in with the attempts by CCO to correct the account. 
XX/XX/XXXX - Late payment notice issued by CCO Mortgage requesting immediate payment for XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
there were inquires in my credit report that was not authorized by me. 

XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XXXX : XX/XX/2019

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 2019-11-26
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX I receive three email from synchrony Bank those three email with very strange but very familiar to me I knew exactly what the email meant but two hours later synchrony Bank trying to fix the error, no unacceptable. 
synchrony Bank has send me a email telling me both in my account with XXXX and XXXX was A Trial deposit has successfully make to you ( me ) that was no mistake I know exactly what happened I know my legal right I'm a security party creditor was my trade name copyright ( helder-in-due-course ) I have file my ucc-1 adding ucc-3 I know it is actually my legal standard I know how Bank work but is trying to deny it is something called XXXX XXXX when you give them permission your social security number your name they all ought to go to the XXXX XXXX Bank back window and ask them for money I know that they don't want you to know that I know exactly how it works. I am a secured party creditor, helder-in-due-course. I know how the work they can not tell me that I don't know what what's that email and then later on this day that I apologize this send a email to the wrong person or I don't know. 
They need a good explanation for that they don't have one they can't give me one because finally they made it a mistake to send email to the account owner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had XXXX accounts with Santander. Both have been paid off, but Santander continues to report an outstanding balance even though I have informed and disputed. Account XXXX was repossessed XX/XX/XXXX and I paid settled the charge off XXXX XXXX. I even filed with appropriate tax document earlier this year. XXXX was paid off over a year ago and I possess the title. I have attached all supporting documents. I can not understand why Santander refuses to report accurately to the credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: EQUIFAX, 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:
The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance. 
fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Checks that were ordered from my new checking account at Citizens Bank were stolen in transit on XXXX/XXXX/16. XXXX checks were fraudulently written between XXXX creating a - {$2300.00} overdraft in the account. I called the bank immediately upon hearing about the overdraft and filed a police report. I signed and sent affidavits regarding all the stolen checks. Due to miscommunication, oversight, and other errors by the bank, there continues to be a - {$610.00} overdraft in the account and the account is now 'charged out ' even though there is a fraud claim still pending. At XXXX point, the bank mistakenly sent out a 'Fraud Suspicion ' report to XXXX and almost had my current checking account closed. It is now 75 days since I first reported the incident, 49 days since I faxed the first affidavit and 38 days since the last affidavit was sent to the fraud claims department. Very little explanation was given as to the process of filing these claims and how long they would take. Customer service supervisors at Citizens Bank are not returning phone calls. There is little if no communication between the customer service department and the fraud claims department. No one at Citizens Bank can give any time frame as to when the funds in my account will be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Avant Holding Company, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On Monday XX/XX/2021, I called Avant credit card customer service representatives to request a letter of debt validation showing a XXXX balance on my account to present to a mortgage lender so a rapid rescore of my credit can be done. I was advised that it will take 24 hours for the documentation of my payoff with Avant to come via email. After 24 hours I called back to Avant to request the same information that I never received. Upon talking to the representative on XXXX XXXX, approximately 24 hours after my first original call, I asked to speak to a supervisor concerning the urgency of the letter that I requested. Two hours went past and no supervisor contacted me as the rep stated they would. I called back to the company demanding I speak to a supervisor concerning the matter I presented. The rep tried to take my telephone number and told me a supervisor will call me shortly, but I refused to hung up without speaking with one. Thirty minutes into the call after being on hold, finally a supervisor was able to speak to me. I was told that by the end of the business day I will receive the information of my balance payoff I requested but I still did not get the email as promised. Today, XXXX XXXX I called back to Avant and demanded my information. Once again, I was told it would be sent to my email by one hour. Three hours later, I called back to Avant to complain of still not receiving this vital information that is needed to move the process along for my home mortgage loan. I even advised Avant that I was not wishing to close my account but I needed proof of my payoff balance and my current information so the lender can proceed to take the next steps to get a rapid rescore done. The information needed is very important and can hinder the process of my loan. As a consumer, it is my right to such information as far as my account with Avant and the company has been no help with obtaining this letter. On XX/XX/2021 I requested the same information and had no problems with getting this letter. I do not understand why Avant is withholding my information from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Ragan & Ragan, PC
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled this debt with an agency representing XXXX roughly 2 years ago for exactly XXXX dollars. Now XXXX apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am formally requesting with this complaint to the Credit Bureaus to update and correct the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish their investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. This account needs to investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance {$560.00}.

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 explanation
Consumer complaint received 2019-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
o my XXXX. I am a victim of identity theft. I have fraudulent accounts and inquiry 's I did not make. please block these accounts from my credit report thankyou. contact me in evenings. XXXX XXXX fraudulent accounts XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
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:
The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

The Federal Trade Commission ( FTC ), the nation 's consumer protection agency, enforces the Equal Credit Opportunity Act ( ECOA ), which prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, age, or because you get public assistance.

fair opportunity to pay a debt its law crao act do not use debt against me until the violations are removed law do not call or share my information FTC violations if you do i'm on the do not call list

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 2022-03-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
This business does not communicate in a timely or effective manner regarding applications for home mortgages, or refinancing, which forced costumer to complaint and request information regarding the status of her loan application in an open Costumer Service comment box. To which the Loan Originator reacted in a rather unprofessional matter, costumer had to ask XXXX XXXX ( loan Originator At citizens One ) to lower his voice and to please transfer the loan application to another Loan Originator. Customer also requested to speak with a manager ( XXXX XXXX ) and made the same request. 
The Customer request were ignored and the lack of communication regarding the loan application continued. Customer made another post on the general Citizens Bank complaint box and immediately received a very animated call from XXXX XXXX telling the customer that she has been denied. 

This customer has documented all the attempts to try to get her loan application transferred to another loan originator given the lack of professionalism of XXXX XXXX, this customer discussed this transfer with XXXX XXXX who is the local Citizens Bank Loan specialist at the branch where this customer does her banking, XXXX XXXX seemed eager to help the customer get the loan application transfer to her until she contacted the Loan XXXX, XXXX XXXX. XXXX talking to XXXX XXXX, XXXX XXXX called customer to report that XXXX XXXX told her that the loan application could not be transfer, costumer has a voice message with this information. Now customer is extremely concern given thath all her sensitive financial information is with individual that have kept her in the dark about her loan application process, have disrespected her as a customer by yelling over the phone for having asked about her loan status, have been lied to not only by the loan originator but also by a manager. 

This customer is kindly requesting the neutral review of her loan application by an external agency as well as a the refund of the funds paid towards the home appraisal. I can not express enough how unprofessional and stressful this experience with Citizens One has been. Not to mention that my XXXX Credit score may be impacted by having this inquiry done, that can not be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-16
Company: All American Check Cashing, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
These out of Texas States are a problem.im just now for the first time taking a look at credit score becoming new taxpayer but information provided is all fraud

Company response to consumer: Untimely response