BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I submitted a dispute for an account with XXXX/XXXX The account was closed, charged off and the debt was forgiven. The creditor stopped collecting on the account. The balance is XXXX. I disputed with Experian and requested the balance to be updated. Instead of doing that, they updated the balance to outstanding and reported a charge off as if it had happened in XX/XX/XXXX. That resulted in them dropping my FICO credit score more than 50 points. I called XXXX and I was told the account was closed, charged off since XX/XX/XXXXand they are have not recently reported. The last time they reported was in XX/XX/XXXX. They did not receive requests from Experian. Experian did not do an investigation as they claimed, they did not contact the creditor. I called Experian to explain and their response was to file another dispute and wait another 30 days. I am trying to purchase a home and this 50 point drop has caused me issues with my new loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've reached out to Transunion, XXXX, and XXXX pertaining frequent credit score point deductions that are being flagged on my credit reports for no valid reason. Today I had a XXXX point deduction on an auto loan account when a payment is not 30 days past due. They are randomly deducting points for odd reasons that do not comply with credit reporting. They are also not correcting my credit score when accounts are resolved. Meaning they are not increasing the score as accounts are paid off, cleared, etc. as they should be.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-05-29
Company: PNC Bank N.A.
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I am trying to get my {$250.00} loan I have been receiving and paying off for months via XXXX, but PNC is changed the verification process and now the app is not operational with PNC. However, PNC was certainly able to take the money out for the app without issue ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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:
BEING A VICTIM OF AN IDENTITY THEFT, THE ACCOUNT WHICH WAS OPENED UNDER MY NAME WAS OPENED MAINTAINED WITHOUT MY CONSENT. THE BANK OF AMERICA OPENED UNDER MY NAME IS FRAUDULENT, THE CHARGES ARE FRAUDULENT. I DIDN'T AUTHORIZE ANK OF AMERICA TO PULL MY CARD AND ISSUE A CARD TO A THIEF, THIS ACCOUNT IS NOT MINE, THIS ACCOUNT WAS NEVER MINE, THE CHARGES ARE NOT MINE. I HAVE CALLED BANK OF AMEICA AS SOON AS I FOUND AOUT THIS CARD AND I ASKE D THEM TO CLOSE IT. 

AGAIN, THIS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: KEYCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote a check to XXXX XXXX XXXX to make a payment for my visa account on XX/XX/2022 in the amount of {$590.00}. I mailed the payment from my drop box at my local post office. The check was cashed by XXXX XXXX  XXXX XXXX and on XX/XX/XXXX of XXXX my bank, KeyBank funded the check from my account. I didn't realize what had happened until my payment to XXXX XXXX XXXX was not credited to my account. XXXX XXXX XXXX  said it could take 2 billing cycles to resolve. After I water for 2 billing cycles, I spoke to the fraud dept of KeyBank and they said I needed to filed a police report and fill out their paperwork and they would send it on to the fraud dept. The bank said it could take 90 days to be resolved. I have called every month since then and Keybank says they are waiting for XXXX XXXX XXXX XXXX XXXX to refund my money or that they will email the fraud dept. again but, they never call me back. It has been a year and I feel I should have been refunded by now. 
It is not my fault that XXXX XXXX  XXXX XXXX funded this check and Keybank paid XXXX XXXX XXXX XXXX XXXX as well. 
This account is in my XXXX mothers name and I am a signer on her account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
account number XXXX Ally financial Renting car out thru XXXX XXXX in XXXX ga. Car was then stolen taken to XXXX. Reported it stolen thru business insurance. Ally financial and gap then agreed to make payment on the car and write it for total loss. But ima get more details from XXXX bc she handled everything with her cousin who has the business Document attached with all supporting information!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
American express failed to accept documentation that demonstrated I am a victim of identity theft. They have damaged my credit but I can live with that. The problem has become larger now that Ameeican Express has sold the debt to a third party but continues to report that I owe them. Companies are not allowed to double dip and the FTC will need to get involved to mediate in this illegal act. Companies like American Express need to be held accountable to the damage they have caused innocent consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX 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 transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now XXXXXXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX 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 2020-06-15
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: Old information reappears or never goes away

Complaint:
I have a severe issue with the credit bureaus. All my accounts that is reporting is out of statue of Limitations. Creditors have been selling out statue debt to collection agencies. This is clear violation of the FDCPA. I never authorized none of the action to take place. These accounts Ion there should of been deleted a long time ago. Some accounts I have no knowledge whatsoever!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Westlake Services, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I recently got a loan for XXXX XXXX with West Lake Portfolio, and I wanted to change my recurring payments to a higher amount. I was didnt have the ability to make changes and called customer service. Since, I have scheduled additional payments toward the loan, but I have not received confirmation of the payment via email. I have also checked my account and no scheduled payment ( s ) is available for me to view, change, or cancel. Ive contacted their customer and they cant find the payments I have recently scheduled in their system. It has been quite an awful customer service experience. As a customer I should be able to view all scheduled payments and have the ability to edit or cancel, which is not allowed in their customer facing platform. West lake Portfolio Management is not a good service provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: DISCOVER BANK
State: NJ
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:
To summarize my chief points/complaints to the CFBP regarding the subject bank : 1 ) The Company sent several letters, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and despite these difficulties, I replied fully, immediately, and appropriately. 
2 ) The Company has disregarded my explicit and documented request to submit informational requests via hard copy mail, which I believe is my right under the Fair Credit Billing Act. 
3 ) The Company has made no additional information requests of me, and has reapplied the disputed items with no written explanation. The oral explanations offered over the phone are inaccurate, nonsensical, and also completely unreasonable expectations for customer behavior in the midst of a national and local crisis. 
4 ) The Company phoned me on Friday XX/XX/2020, ostensibly to discuss its concerns, but provided me not even a single business day to respond before rebilling the account on XX/XX/2020. 

Please see attached detailed account of my dispute with the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Rocket Mortgage, LLC
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
purchased house through mortgage broker XXXX XXXX in XXXX LAST MORTGAGE SAYS MY NAME XXXX XXXX WAS REMOVED FROM MORTGAGE DATED XX/XX/XXXX doc # XXXX STILL CURRENT! I NEVER REMOVED MY NAME FROM ANYTHING CHECK THIS OUT WITH NOW ROCKET MORTGAGE NEW LOAN # XXXX XXXX NORTH XXXX OSKALLOSA IOWA XXXX? ROCKET WILL NOT GIVE ME INFO NOT ON MOERTGAGE! PLUS I HAVE 2 RETIRERMENT ACCOUNTS MISSING XXXX XXXX XXXX IOWA, XXXX XXXX FROM XXXX AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX! ALL THESE RETIRERMENT ACCOUNTS HAVE GONE MISSING ******* PLASE HELP XXXX XXXXXXXX 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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Report provided to employer without your written authorization

Complaint:
It's derogatory reporting to my credit report from XXXX XXXX XXXX ; which is causing me hardship.They have sold my credit information to various credit collecting agencies, and garnished my wages unlawfully. These agencies have violated me in so many ways. They are sending me letters, calling my personal phone number, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our XXXX XXXX XXXX The violation becomes over kill, and is a XXXX issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. 

According to HJR 192 these debts are not ours, because they are already paid. I can send in any documentation as requested. This include emails, letters from numerous companies, and a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On or about XX/XX/XXXX of XXXX, I received a phone call from Synchrony Bank that I owed them {$320.00}. 

I explained to them that I had paid the remaining balance on that account back in XXXX of XXXX and closed the account. The account was taken out by my wife around XXXX and upon her death on XX/XX/XXXX I had made every attempt to clear out any balances and accounts that she may have had. 

I called Synchrony Bank on XX/XX/XXXX and made 2 payments by phone. One payment was for a monthly payment and the second payment was also made on XX/XX/XXXX for a payoff balance on the account and to close the account. That was the last time I had any contact with Synchrony Bank. 

I remained at my home until I had sold it in XXXX of XXXX. I moved to another town and had all of my mail forwarded to my new address. During this time I had not received any correspondence from Synchrony Bank about any outstanding balance due. 

It wasn't until XX/XX/XXXX that I had received a phone call from Synchrony Bank saying that I owe then {$320.00}. I told them that they were wrong because I had payed off the balance and closed the account back in XXXX of XXXX. 

They have continued to send me letters demanding that I pay them the money. I have also received letters from a collection agency as well. I have been in constant contact with them trying to get this issue resolved, but after sending them proof of payments on the account in question they still demand that I pay them or they are going to report me to all of the credit reporting agencies for non payment. 

I have sent them and the collection company proof of payment 3 times. I also found that Synchrony Bank waited 6 days to process an ACH payment, which if processed at the end of the work day would have shown that the payments were made in full to the account. By them not processing the payments until the XXXX of XXXX, they may have caused the account to get charged additional interest which it shouldn't have been charged. 

The amount was for {$46.00} but because they never sent me a bill or made any attempt to contact me for over a year and a half, the amount grew to {$320.00}. 

This is an error on their part and I or any other consumer should be forced to pay for their people making a mistake. 

Why is it so hard for a Bank to admit that sometimes they do make a mistake and fix the problem? 

I am forwarding a copy all of the letters and all of my proof that I have paid my debts and that I do not owe them anything.

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 2019-03-15
Company: Navient Solutions, LLC.
State: GA
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:
XX/XX/XXXX, I got laid off from my full time job at XXXX  XXXX  XXXX  with my XXXX child. My spouse was not a legal resident of the United States, therefore he had to stay in his Country while all the legal paperworks were being processed on his behalf. My mother was mighty ill at the time trying to fight the life stealer XXXX and I was her sole caregiver and refuge of strength while fighting this XXXX. I was able to complete my course towards my Bachelors in XX/XX/XXXX. I gave birth to my daughter in XX/XX/XXXX. Now, I have to be caring for my newborn and my mother while doing job interview etc to get back on feet, it was not an easy task but I tried my best. With all financial factors I was facing I reached out to Navient before my grace period end and they did not give me extra time or nothing to alleviate all that was happening to me. When it came to the time for me to repay the loan, my monthly payment was more than {$500.00}, I could not pay that. My mom passed away XX/XX/XXXX and I inform Navient and begged for some leniency and they made it clear that there was nothing that they could do. I was willing to give them copies of my Mom hospital bills and death certificate because I was that desperate and they just didnt care. I didnt have the money to pay so I end up being late on my payment. This is not something that I proud of, this is something that I had zero control of. So now I have one negative mark on 22 loans with Navient, which messed up my credit, because my report states that I have been late on a loan 22 times. If people at Navient had a heart, they could at least ask me to show proof of my situation, which I could. I sent a Good will letter to the CEO XXXX XXXX, informing him of my situation begging him to remove the negative items so I can get back on my feet as a single trying mother. He had a representative call saying, they cant help me. This organization, has zero remorse for people. We are people! Not a target or goal. My loans are now consolidated on always on time never missed a payment, but those negative marks still remains. Earlier this year, we had a Government shut down and I was affected as a XXXX  XXXX, I reached out to the CEO XXXX XXXX again, begging to remove the negative mark so that I could be approved for a loan, so as to help my family through that period and these cold hearted people called to say that they could not help me. Nothing has changed with Navient. XXXX XXXX email : XXXX XXXX

Company response to consumer: Closed with explanation