BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-31
Company: SYNCHRONY FINANCIAL
State: PA
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 obtained my annual credit reportXX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX todayXX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, Synchrony-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX  was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me?
PLEASE HELP!
_____________________________________________ Auto Dealers?
XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX _____________________________________________ Synchrony Bank Lowes XX/XX/XXXXAmerican Eagle XX/XX/XXXX Toys R USXX/XX/XXXXXXXX Dual Card XX/XX/XXXXWalMart XX/XX/XXXXOld Navy XX/XX/XXXX TJX CO Dual CardXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15
Company: Fairway Independent Mortgage Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a home mortgage and everything was approved so we started looking at houses. We put in one offer but wasnt accepted. We found another house and went to put in a offer on it and i was told by my mortgage company that they lost the approval and could not get it back. Thdey told me they dont know what happened and could not figure it out. I have been waiting 2 days to hear from them and have not heard anything from them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: V and H Portfolio
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company picked up furniture sold it and put it on my credit report that not one payment was made. Account was sold to a collection agency who dont have no info on it..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: DE
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:
EXPERIAN HAS FAILED TO PROPERLY INVESTIGATE A ERROR ON MY CREDIT REPORT. I SUBMITTED A COMPLAINT ON XX/XX/XXXX. ON XX/XX/XXXX EXPERIAN STARTED THEIR " INVESTIGATION ''. ON XX/XX/XXXX LITERALLY 1 DAY LATER I RECEIVED A UPDATE THAT MY DISPUTE WAS UPDATED. INSTEAD OF REMOVING THIS LATE PAYMENT THAT WAS POSTED IN ERROR, EXPERIAN PLACED THE LATE PAYMENT FOR THE FOLLOWING MONTH. I HAVE PROVIDED ALL DOCUMENTS PROVING THAT THIS LATE PAYMENT WAS AN ERROR AND THAT THE ORIGINAL CREDITOR CORRECTED THIS ISSUE. I DO NOT FEEL SECURE DOING BUSINESS WITH EXPERIAN AS THEY CAUSED MY CREDIT SCORE TO DROP DRASTICALLY BECAUSE OF THIS FALSE LATE PAYMENT REPORTING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: EQUIFAX, INC.
State: OK
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 sent a fraud affidavit to Equifax on the student loan there reporting on my credit report and they refuse to remove or investigate. They continue to report an item that I have never had no signed for. They us depart responded to affidavit that they could not find no contract for that account. 
I'm not going to state federal laws. But Equifax is reporting and not correcting they fraudulent account. Which is going to leave me no choice but to file a federal law suit in this matter. XXXX removed the account and XXXX  removed the account. But Equifax refuses to remove the account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: ND
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 a victim of identity theft and have been a victim of identity theft for over 11 years. I have 2 accounts and XXXX credit inquiries listed on my Equifax, XXXX and XXXX XXXX credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent : XXXX XXXX XX/XX/17,  XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XX/XX/17, XXXX XXXX XXXX XXXX XX/XX/17. Further, please add the following personal information to my credit report : Employer : XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX Phone : XXXX, Position : XXXX XXXX XXXX XXXX  Annual Salary : {$150000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was the victim of XXXX fraud in the amount of {$5000.00}. Chase bank did not insure the loss because, the transaction ( s ) was processed according to information you provided or was authorized. 

I obviously disagree with this finding, having lost {$5000.00} through fraudulent means, but it also seems that the CFPB would disagree with that finding as well. 

After reading through Provision E and exploring the FAQ sections, I am convinced that Chase made an error in interpreting what it means to provide information and what is considered authorized. 

From the CFPB FAQ section regarding the above. 

" an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. '' Also considered an unauthorized EFT is " when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account. 

Furthermore, banks are NOT consider a consumer 's negligence when determining liability for unauthorized electronic funds transfers. '' Attached is the exact information I faxed to Chase on XXXX XX/XX/2021 Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Mid XXXX our XXXX XXXXXXXX XXXX Rewards credit card was involuntarily transferred to Goldman Sachs AKA Marcus. Since that time, we and thousands of other former XXXX XXXX users have been unable to view our account on line as regards to charges, balances, rewards total etc. We have made at least a dozen attempts via internet and phone to correct this issue to no avail on line and receiving apologies and unfilled promises to correct the problem via phone. It is well over two weeks since we have been able to view anything regarding our account. We think you would agree this is unacceptable behavior for a financial company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted XXXXXXXX XXXX XXXX the next day and told them what happened. Me and the insurance reached out to XXXX about the accident. During the process XXXX repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with XXXX. My score went down XXXX point despite faxing and emailing countless paper work and documents to XXXX proving that the car was deemed a total loss by XXXX insurance nearly a month before XXXX false missed payment claim. Ive never missed a payment with XXXX ever. XXXX and I have evidence of XXXX cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. XXXX recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, 2022. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when XXXX associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX insurance a month prior to their false late payment claim. This has been one the most stressful process of my life.

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 2022-08-15
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I was in a car accident that wasnt my fault. I immediately contacted XXXX XXXX XXXX the next day and told them what happened. Me and the insurance reached out to XXXX about the accident. During the process XXXX repeatedly told me to not make a payment on the account because the car was going to be deemed a total loss. Fast forward nearly two months Im hit with a late payment mark to my credit accounts. Ive been building my credit for a year and a half now. I had a XXXX credit score and never missed a payment on anything before this incident with XXXX. My score went down XXXX point despite faxing and emailing countless paper work and documents to XXXX proving that the car was deemed a total loss by XXXX insurance nearly a month before XXXX false missed payment claim. Ive never missed a payment with XXXX ever. XXXX and I have evidence of XXXX cashing the total loss check and not updated my account information to closed despite receiving countless documents to close the account. XXXX recently close the account last week as of XX/XX/2022 but are reporting they closed the account as of XXXX, 2022. They are falsely reporting information to the credit bureaus. Ive been stressed out trying to both email and fax them the documents they were claiming they didnt received through all of XXXX and even early XXXX. I just want the credit mark to be taken off my account. Its not fair that Im being penalized for a late payment when XXXX associates told me not make a payment on the account because the car was going to be deemed a total loss. I have countless paper work and documents proving the car was issued a total loss by XXXX insurance a month prior to their false late payment claim. This has been one the most stressful process of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
they keep charging overdraft fees on top of more fees the first charge was an bank error twice in one week is a bit much they barely give u a day to pay it back ( e.g. letting a check clear of other money services ) they post charges when they want to catch you in fees I want to pay the bank the {$18.00} I owe them they charge fees on top of fees its a cat and mouse game with a finical institute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
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 credit bureau is showing a fraudulent account on my credit report from XXXX XXXX XXXX on my credit report for {$560.00}. I have contacted XXXX XXXX several times regarding this. Just recently, I sent an identity theft fraud letter to them along with a copy of Identity Theft Report that I have included in this complaint. I can not seem to get no where with about this matter. I have placed fraud alerts on all 3 of credit bureaus as well. I would like the credit bureau to please take care of this issue as I'm having such a hard time getting this removed off my credit reports. Please investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-29
Company: EQUIFAX, INC.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
For the past 7 years my identity has been repeatedly used for fraudulent activities. This has been a long and stressful process trying to not only clean up my credit but also keep it safe from thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: MI
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  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-03-03
Company: EQUIFAX, 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PLEASE SEE THE TEXT OF MY LETTER BELOW : XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX : Borrowers : XXXX XXXX. & XXXX XXXX Loan no. XXXX Property address : XXXX XXXX. XXXX XXXX., XXXX XXXX , WA  XXXX Dear Sir/Madam : We received your letter of XX/XX/XXXX ( copy attached ). It states that " As of the date of this letter, we have not received your payment due XX/XX/XXXX in the amount of {$2400.00}, making your loan past due. Consequently a late charge of {$85.00} has been assessed to your account. '' This statement of yours is deceptive as your own records show receipt of our payment of {$2400.00} on XX/XX/XXXX ( see copy of your XX/XX/XXXX Mortgage Statement, also attached ). The {$2400.00} amount we paid on XX/XX/XXXX was the regular monthly payment amount, which apparently was increased for XXXX due to an increase in the escrow amount for taxes and insurance. I do not see in our records where this increase was clearly communicated to us so that we could increase the auto-pay amount for our mortgage payment and avoid having " late charges '' asserted against us. Enclosed please find our check in the amount of {$140.00}. This amount represents the {$59.00} difference between the old and new regular monthly mortgage payments, and the {$85.00} " late charge '' assessed against our account. With the receipt of the {$59.00} shortfall amount for the XX/XX/XXXX payment, you are directed to apply it and the {$2400.00} you are holding as a " partial payment unapplied '' to our account as our full XX/XX/XXXX payment. Your handling of our account and your correspondence to us regarding the account have been unfair and deceptive, and have prompted me to file a complaint with the Consumer Financial Protection Board. Thank you for your anticipated prompt attention to this matter. 


Yours very truly, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX , WA 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 2017-08-31
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:
I filed an Official Identity Theft Report through the FTC including a local police report in XXXX 2017 after finding accounts on my credit report that were not mine. 
XXXX has failed to remove the accounts that are listed on the ID theft report and they are still reporting on my credit report which is in violation of FCRA. 
The following ( 3 ) accounts should have been removed as they are considered fraud : XXXX XXXX XXXX XXXX Account # XXXX ( Listed 2 times using different amounts ) XXXX XXXX Acct # XXXX ( account # has been falsified in order to evade removal by collection agency ) Amount {$700.00} original creditor : XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX 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