BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-23
Company: SYNCHRONY FINANCIAL
State: CO
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:
XXXX : On XX/XX/XXXX, XXXX / XXXX obtained a hard inquiry of my credit history. I have never had a business relationship with this company, ever. On XX/XX/XXXX and XX/XX/XXXX, SYNCB / XXXX obtained soft inquiries of my credit history. I have never had a business relationship with this company, ever. 
I investigated these two companies and discovered they are associated with Paypal. I have never had nor do I want a Paypal account. This company has no right to my personal information. 
I demand that XXXX/XXXX and SYNCB/XXXX remove all requests from my history.

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 2020-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts, nor did I authorize these companies to run my credit.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: NC
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:
Be advised this is not a refusal to pay, but notice that the XXXX XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt say XXXX XXXX XXXX says I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. 
Account 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 explanation
Consumer complaint received 2021-07-21
Company: Mercedes Benz Financial Services
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:
XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine. 

XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am working with XXXX XXXX to purchase my loan from Gregory Funding but this is being prevented because of the past due balance that Gregory Funding keeps showing on my account. The rules of my Forbearance agreement with XXXX XXXX specifically stated that I would not be charged any fees while I was in the program. The loan was purchased by Gregory Funding from XXXX. I have no problem paying the {$7600.00} of my past due payment. But I should not be charged the XXXX in past due fees and charges that Gregory Funding is trying to charge me because as I stated before I was in the Forbearance program. I have called Gregory Funding XXXX  times and waited on hold for hours and the reps can not even justify what these charges are for. They just keep telling me to send an email and I never received a response. Now I have just been told my home insurance company that Gregory Funding has not even paid my home insurance since my loan has been transferred to them and now XXXX insurance is asking for XXXX immediately or my policy is being cancelled. I have the checked with the XXXX and I have read countless claims against Gregory Funding with people having the exact same complaints!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
I applied and requested extension on my mortgage payment during covid. I am now under repayment plan, however, Shellpoint Mortgage is reporting my account as delinquent. I have already called them and I have been told that this account will be reported as delinquent for the reminder of the repayment plan. 

The CARES Act, which was signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) Shellpoint Mortgage, however, is reporting the account as delinquent when based on care act the debt should be reported as current because Shellpoint has agreed to sign me up for a repayment plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: MD
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:
Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX bank and the credit bureaus are 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 2019-12-23
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:
It's not my account and inquiries, i never applied for this. I believe, that somebody used my personal information and applied for it.

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 2021-12-16
Company: Experian Information Solutions Inc.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2020-04-22
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/2020 contacted company to make XXXX Payment - accepted as paid in full. XX/XX/202, submitted XXXX payment - accepted as standard payment but still received bill requesting I submit another lesser amount for XXXX payment without acknowledging XXXX payment. Tried to make contact utilizing e-mail services only to be told to call operators. Covid-19 issue has overloaded phone lines but company insists that I call. Tried phone contact only to be coerced into automated system which has no parameters for this type of inquiry. Tried e-mail contact again only to be ignored. If I do not make SECOND monthly payment, I will be charged LATE fees due to their lack of responses to my questions. If I had unlimited funds, this credit card would be paid in full.

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 2020-04-22
Company: EQUIFAX, INC.
State: NY
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:
Equifax did not fix error on my consumer credit report. XXXX  XXXX XXXX XXXX still appears on my Equifax report even though I identify multiple violations of FCRA rules Including ; reporting negative remarks in payment history after account has been closed or charged off. A violation of fcra rules, even though identified to Equifax that last date of payment was in XXXX of 2012. Equifax currently reports no date of last payment, a violation of FCRA rules section XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
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 am disputing public record which displays a bankruptcy. I disputed the bankruptcy with Equifax and received a response that the bankruptcy stays as reported. Equifax stated the information was provided by XXXX. I contacted XXXX and disputed the bankruptcy and XXXX removed bankruptcy from their file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a check for {$1000.00} and attempted to mail it to the recipient, XXXX XXXX. The check was stolen from the mail and deposited in the account of someone other than XXXX XXXX -- the endorsement is clearly not " XXXX XXXX ''. I notified Webster Bank of their error in cashing this check and followed their reimbursement procedures as well as filed a police report on XX/XX/2019. 

Webster initially said it would be resolved in 30 days, and has since not been able to provide date when money will be returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Transunion discriminating me based on certain criteria, they put my score down when I have cancel their monthly monitoring services ( paying monthly fees ) and When I sign up, they increase score, they are doing fraudulent activities on this issues. They are downing my score, sometimes 97 or more when I have no 'missed payment ' or collections, it is a complete act of discrimination, they are soliciting to use their monthly services, as soon as I register monthly service, they increase score. All three credit bureaus violating constitutional rights of US Citizens. Investigate their issues and put them into justice. They are unnecessary forcing consumers to sign up their monthly services, otherwise they will put my score down.

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 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Be advised this is not a refusal to pay, but notice that the XXXX XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt say XXXX XXXX XXXX says I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay XXXX XXXX XXXX. 
Account 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 2022-05-02
Company: EQUIFAX, 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 has violated my rights. 
XXXX THIS XXXX XXXX  XXXX REMOVE ALL LATES XXXX  XXXX INQUIRY XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT XXXX TN CHILD SUPPORT 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: TCF NATIONAL BANK
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019my sister and I went to a nail shop on XXXX and XXXX and got our nails done our nail tech who we went to regularly asked if we wanted a pedicure and we said no, because we didn't have time. So she told me that for my fill it would be {$25.00} and I tipped her {$5.00} like I would normally do. 
When I checked my balance 2 days later I had a {$55.00} charge on my account from the nail shop and a {$37.00} overdraft fee from TCF. I immediately called XXXX, the nail tech and asked her why she overcharged me and she stated that she didn't do XXXX. and told me to bring in my bank statement and show it to the owners. When I did they were very XXXX to me and said that I had no money in my account and began to speak in there language and threw my statement back at me. 
So I notified my banks fraud department and they returned my money pending an investigation. I gave them my original debited receipt with my complaint form 3 times and I only found out the results after I had to keep calling customer service finally they sent me a hard copy stating that they believed that I received the services so they were going to be taking the money back out of my account and the fees stand. 
My question was did you call my witness and did they ask for a copy of the original register tape from the debit machine that matched my copy, no response just sorry mama I ask to speak to a supervisor and I wrote a complaint no answer they just kept adding overdraft fees until my account was closed. One month I had {$490.00} in overdraft fees. 
I'm on XXXX and I can't afford a loss like this. The letter was a fraud they sent in with my signature and it did not match my receipt is there Anything else I can do Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I submitted a fraud claim to my bank for non authorized transactions made with my lost debit card. They provided me a provisional credit during the investigation. After some weeks I saw those credits being cancelled without any letter or comunication from the bank explaining the situation. So I decided to call them and they told me that the reason for denied the claim is because " I made business with them before '' situation that is totally false, Investigating this further I noticed that the " charge name '' is not the store, is the payment processor called " XXXX '', so I had more transactions with that name so the bank thinks that XXXX is the name of the merchant. I explained them this situation that XXXX is a payment processor and not the merchant name, so they reopened the case, also requested to submit a police report and since then my account is overdrawn without any solution for this issue. 
I submitted all I was requested to the bank and even that they didnt do what they need to do to solve this fraud claim. 
The original claim was submitted on XX/XX/2021 with the number 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 2022-05-02
Company: Netspend Corporation
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Overdraft charges

Complaint:
I have recieved 3 SEPERATE overdraft charges for {$20.00} each totaling {$60.00} and even tho I have correctly abided by the overdraft policy by paying back the overdraft amounts by the next day, I am still being charged the overdraft fees and after speaking to two representatives and one supervisor I am still unable to recover these incorrect fees.

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 2021-12-16
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
TB Banks USA NA has exposed my personal information with different Law offices here in the city. I am getting all of these Law suits from different Law offices telling that T D Bank has File a Lawsuit against me I was never aware of a Lawsuit I have file a dispute on my credit report about the amout of the payment that I owe XXXX is looking into the matter and nothing has gotten done I dont think TD Bank be allowed to exposed my credit card information like that and share my personal information to other Law firms this information should have been between me and the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
I hired a company called XXXX XXXX to monitor my credit and protect me from Identity theft. On XXXX, I was informed by XXXX XXXX that Freedom Mortgage company has reported to the Credit Bureaus that one of my accounts is in major derogatory. I don't have an account with them in major derogatory, and all my mortgage payments are paid on time. I have been waiting for the final documents that follow the modifying agreement for the past 4 months, and I haven't received them from the freedom company. I have called the freedom company many times and still haven't received the documents that I have been promised by the freedom company that I will receive them. The incorrect report from Freedom to the Credit Bureaus has lowered my credit score significantly and hurt my credit history severely. Also, I have been told by the XXXX XXXX representative not to pay until I receive the final documents that follow the modification agreement; however, I kept paying. I made my last payment on 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 2022-05-02
Company: National Credit Systems,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: Old information reappears or never goes away

Complaint:
I've notice on my credit report that my address is reporting incorrectly. I've tried numerous of times to dispute the inaccurate address from my consumer report and the company did not comply with changing my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-22
Company: Netspend Corporation
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
Hello, I have a NetSpend prepaid Mastercard debit card which I used to get my prior year tax refunds direct deposited into. I received a letter from the IRS that the {$1200.00} Economic Impact Payment was ready to be deposited into my account on XX/XX/20. It's now the XXXX, 7 days later, and I still have no word from NetSpend that the money was deposited. I've called them and checked my online account with them daily ; but it hasn't done any good. Surely they can't just keep my money can they? Why won't they acknowledge that the money arrived? The letter from the IRS shows the last 4 digits of my NetSpend account number. 
I hope you can help me. 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