BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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 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 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 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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Scam or phishing emails from Synchrony Bank. Called customer service and was told it was not sent by them and the agent hung up on me XXXX told me Sent to wrong e-mail. On XXXX, a thread says some are told not sent by us and others sent by mistake.

Action required on your application email from them.

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 2022-07-08
Company: Experian Information Solutions Inc.
State: TX
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 : remove these inquiries I did not authorize these inquires

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 2017-01-04
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
I have an outstanding medical bill from University of XXXX as well as from the University of XXXX. The medical bills were a result of an automobile accident, for which I am pursuing personal injury settlement with my insurance company. My attorney has repeatedly notified the XXXX, the XXXX XXXX XXXX, and their debt XXXX of his representation and further instructed them to direct all communications to him. Despite this, I am repeatedly receiving invoices and debt notices to my home address and nothing is being sent to my attorney. At least XXXX account ( University of XXXX ) has been sent to a debt collector, and I believe this may be affecting my credit. The debt collector was also instructed by my attorney to contact him, but they have also continued to send statements to me. I feel harassed and bullied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
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: Credit inquiries on your report that you don't recognize

Complaint:
Team, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. Experian : 1. XXXX XXXX XXXX - XXXX ; 2. XXXX XXXX XXXX - XXXX ; 3. XXXX XXXX XXXX - XXXX ; 4. 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 non-monetary relief
Consumer complaint received 2022-02-23
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe that experiencing a breach of contract and believe funds are misapplied. 

I received a letter stating that my mortage was increase from Originally XXXX due to escrow fees that are not accurate. 

I have a statement stating my escrow about was short by XXXX Ranging from XXXX The bank refused to 1., allow me to pay my own taxes, 2., are misappropriation of funds being charge

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX XXXX  enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.

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 2020-01-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 non-monetary relief
Consumer complaint received 2022-06-21
Company: Paypal Holdings, Inc
State: CA
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:
My explanation to PayPal about my purchase of a gold neclase from XXXX  XXXX I placed this order on XX/XX/XXXX and paid $ XXXX same day.the seller promised to ship by USPS priority mail next day, he lied and texted me a fake tracking number then I went to check my order where was written order canceled, reorder. I contacted him and he told me that I will get my order after a week, I told him to cancel and refund my money, but the order was sent and according to USPS tracking was delivered on XX/XX/XXXX at XXXX at my doorstep. But there was nothing, I chased all my front yard and asked neighbors if maybe the mailman made a mistake, no results .when the seller shipped I warned him to stop the shipment because he told me that I will receive it after a week.He didn't stop. I opened a dispute with PayPal .After reveiwing withe the seller 20 days, PayPal made a decision on seller 's favor on the basis that according the USPS tracking number the item was delivered, which was clear from the first day I opened a dispute. I don't understand what was reveiwing PayPal with the seller and regularly asking me for additional information.Now I don't have my order. The seller has my money. I am not sure what was in the package, a couple of pack cigarettes or my {$290.00} neclase .because according seller, s statement the tracking number was created from XXXX , shipped by Other. Even the seller didn't see what was in the package. Today I made a claim to USPS Claim ID # : XXXX Below is the seller 's statement from Paypal Seller 's information Tracking info provided by XXXX  XXXX  XXXX Shipped by Other

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX, XXXX and XXXX are in violating of the law for reporting fraudulent and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX  and The Internal Revenue Service my personal information was exposed in both of their data breaches. XXXX, then confirmed on two separate occasions that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: CITIBANK, N.A.
State: MA
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 have been disputing these accounts for so long that I havent got a positive result. I am asking them for proof that I was ever late so it will be justified but I think it only fall on deaf ears. I am writing a complain to you to help me sort things out. I am sure that I was not ever late with these accounts. Please help me get them off my credit report.

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 2017-02-25
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Over 10 year period, Navient has been charging incorrect, higher interest percentages on both my Federal and private loans. After speaking with a representative with the CFPB on XXXX XXXX, XXXX, it was discovered that I also qualify for most of the charges the CFPB issued in their lawsuit filed in XXXX XXXX. In addition, there are the charges with the lawsuit the CFPB filed against XXXX XXXX XXXX in XXXX. There are additional charges that related and or linked to show cooperative, illegal and unethical practices between Navient and XXXX XXXX XXXX. I have spent years on the phone with XXXX/Navient being on hold for thirty plus minutes at a time ( one phone call I was on hold for almost an hour and a half, records of some of the calls were recorded as evidence ). In addition, Navient associates transfer calls to other departments and or associates who were not requested. They do every single time a customer calls them. This occurred again on XXXX XXXX, XXXX between XXXX and XXXX CST. At one point, I was on hold for over 45 minutes waiting for a supervisor. Another associate, not a supervisor, then picked the call up and proceeded to put me on hold for another twenty plus minutes. When a supervisor finally did come on the line, identified as XXXX XXXX, he refused to deal with the hold issue, refused to let me speak with his supervisor, who he identified as XXXX XXXX, and then hung up. Attempt to reach XXXX XXXX were unsuccessful, as I was told no one could find this individual in their entire system and going through multiple departments. One associate, identified as XXXX ID # XXXX, admitted that placing customers on hold for unacceptable amounts of time and transferring them to other departments and individuals was part of Navient 's policies and guidelines. XXXX also confirmed that the charges that were brought up against Navient by the CFPB were also part of Navient 's policies and guidelines. I was never able to reach XXXX XXXX after spending two hours and twenty six minutes on the phone with Navient associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello CFPB, I have been dealing with the incompetence of Freedom Mortgage and XXXX Mortgage since XXXX 2015 as outlined in the attached RESPA letter. They really messed up the transfer of servicing. To keep the story as short as possible, everything requested in my RESPA letter has been resolved EXCEPT : Freedom Mortgage 's answer to thousands of dollars in payments I made in XXXX 2015, before the transfer of servicing, was to reverse the payments and send them to XXXX who reposted them as of the date they received them ( XXXX XXXX, XXXX XXXX. 

Now I 'm not an accountant, but it seems that it 's illegal to reverse payments and have them posted months later without proper credit for the interest. 

As you can see by my RESPA letter, I 've spent a LOT of time trying to correct their mistakes. I would n't mind being compensated for that. I figure at least XXXX hours XXXX XXXX {$400.00}. It 's a lot cheaper than if they 'd had to pay my lawyer and court costs.

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 2020-01-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED ARE NOT MY ACCOUNTS, THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LOVE FOR THEM TO BE PERMANENTLY DELETED OFF MY CREDIT FILE. PLEASE INVESTIGATE THOSE THAT ARE BEING DISPUTED FOR THEY WERE NOT ACCOUNT THAT WERE AUTHORIZED BY ME. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION TO BE AUTHORIZING CARDS UNDER MY NAME AND SOCIAL SECRUITY NUMBER. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS DISPUTED ARE NOT MY ACCOUNTS, THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT REPORT AND I WOULD LOVE FOR THEM TO BE PERMANENTLY DELETED OFF MY CREDIT FILE. PLEASE INVESTIGATE THOSE THAT ARE BEING DISPUTED FOR THEY WERE NOT ACCOUNT THAT WERE AUTHORIZED BY ME. I HAVE NO IDEA WHO WOULD HAVE ACCESS TO MY PERSONAL INFORMATION TO BE AUTHORIZING CARDS UNDER MY NAME AND SOCIAL SECRUITY NUMBER. PLEASE HAVE THOSE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2021-07-26
Company: EQUIFAX, INC.
State: AL
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 called and spoke with someone a few weeks ago at Equifax explaining that I had a bunch of attempts on my credit report where someone was trying to open accounts in my name. I was told to send in an id theft report which I did then they told me that there were no dates on the report and I would need to resubmit the documentation with dates. I have everything that I was asked to provide on the attached ID theft report. I hope the person that I spoke with was telling the truth & they delete these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
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 tried applying for a XXXX  loan but my credit report was pulled from multiple sources and I did not know. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: GVA Holdings, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Due to having identity theft, I'm requesting that all interactions and correspondence be done through postal mail and not through phone calls and email. My identity and finances have been compromised and I can not have any communication through phone calls or email. I have police reports showing that I have been compromised in my bank account and in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: Avant Credit Corporation
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Today I called Avant Inc to make an interest only payment, I was told that a portion of my payment had to go to the daily interest that accrued from my last payment to today. I told the rep that I did n't want any of this payment going to interest. The rep told me that is the policy and it ca n't be changed. The rep said if I wanted to not accrue any interest when I wanted to make an interest only payment, I must make the payment on the day that my regular payment is due. Also I was told there is a limit of how much additional principal I could pay each month with my credit card. In the loan agreement is says I could make additional payments by paper check, money order, debit card, or credit card, but nowhere does it say there is a limit of how much could be paid with any of these forms of payment. They are forcing me to pay interest I 'm trying to avoid. Their policy will make me take longer to payoff the loan, resulting in unnecessary interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Was sent a check from what I thought was a legit job offer at the time. Deposited the check into my account with instructions to keep {$900.00} for my payment, and to send the rest to " vendor '' who would in turn send me my new " work supplies ''. Once I did that, the 'Employees ' [ /scammers were never to be heard from again. Then a few days later my bank account was almost wiped out due to the fact that the bank took it to cover the overdraft fee since the check I was given bounced. So basically my family and I were out over {$4000.00} and I had just become unemployed a week prior. That's why I think I was so blind to the scam, because I was desperately trying to find a job. Looking back there were some red flags that I totally overlooked. But that's what they say,,, hind sight is 20/20. so if there is anyway you could help me get my {$4000.00} back, that would be amazing.

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 2015-09-01
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax is updating tradelines/accounts within my credit report. I believe the changes are impacting my scores, and are done without merit. 

1. Equifax please provide any supporting documentation, that states that I have disputed accounts, where this statement has been added to my trade lines. 
2. Delete the verbiage that says " Consumer disputes this account information ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: Social Finance, Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My SoFi checking account was frozen for fraud protection over a month ago and when I try to get in contact with them it directs me to call the fraud protection team. When calling the fraud protection team it tells me that they are busy and to leave a message and the will get back to me shortly. Leaving a message is the only option and after leave messages everyday for over a month I have yet to speak with anyone or get a call back and can not access my funds

Company response to consumer: Closed with explanation