BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I have recently checked my credit report and seen inquiries I did not authorize XXXX XXXX ( trans union ) XXXX of XXXX XXXX trans union XXXX XXXX XXXX XXXX trans union XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX ( trans union ) XXXX XXXX XXXX trans union XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( transunion )

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 2021-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Bank of America continues to report that I have a delinquent account with an outstanding balance on a closed account. I never received a bill and it was sent to collections even though I made payments in XXXX and XXXX. I spoke with the company via phone during both years and it now still appears as a derogatory account on my account and no one has helped me. I have disputed the companies claims because they sent me to collections and refused to hear my plea during going through a divorce.

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 2021-12-31
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: Account status incorrect

Complaint:
My credit repair company XXXX completed a credit repair on 4 accounts that were already closed accounts and showing as closed on Equifax credit report. 
The accounts were from the following creditors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After the dispute was completed these accounts which were charged off and closed prior to the dispute are now all showing open. 
This change from closed to open devastated my credit scores and resulted in me not being able to purchase a home due to Equifax reporting. 

I attempted to contact equifax to inform them that their report is now showing charged off accounts as now open and this needed to be fixed. 

Equifax was very difficult to get in touch with and I was hung up on by many representatives in getting this issue resolved ( believe due to poorly trained associates ). 

I explained to the supervisors on XXXX and XX/XX/2021 that I couldnt understand how is it possible for all 4 creditors to all of sudden update all of these previously closed and charged off accounts to open status.? 
However, all of the representatives at Equifax insisted I had to open another dispute with all 4 creditors to update the account statuses back to closed. 

I also spoke with a manager at Equifax on XX/XX/2021 and asked if they could assist me in calling the creditors to validate the accounts as being closed but they refused to assist in this way and they informed me that Ill have to wait until the dispute resolve which could take up to 30 days. 

I also contacted all 4 creditors and they informed me that they were reporting the accounts as charged off and/or closed and that I needed to speak with Equifax. 

As a consumer, it is very frustrating and detrimental to my financial future when creditors and credit bureaus dont reflect accurate information and the consumer is caught in the middle with delays after delays and more delays. 

I am also considering legal action against Equifax for this issue. 

I also advised Equifax that XXXX Equifax data was accurately showing these 4 accounts on XX/XX/2021 as closed, so why is XXXX correct but not Equifax???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2021-03-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a Citizen 's bank checkings + savings account in order to take advantage of their {$600.00} promotional offer on XX/XX/XXXX and was approved the same day. 

The promotion was a public offer by clicking on the following hyperlink : https : XXXX *Please note that the page does not exist anymore, but was a public online offer that was accessed by hundreds, if not, thousands of people. 

The offer is as follows : Citizens Bank is offering a bonus of up to {$600.00}. Bonus is broken down as follows : - Get a bonus of {$300.00} when you open a new one deposit checking or Platinum checking account and make a direct deposit of {$500.00} or more within 60 days - Get an additional {$200.00} when you open a new green savings or platinum savings account with a minimum of {$15000.00} not currently on deposit with Citizens Bank and maintain that balance for 3 months - Get an additional {$100.00} when you do both I completed the checkings Direct Deposit of {$500.00} on XX/XX/XXXX. 

I completed the savings deposit of {$15000.00} on XX/XX/XXXX. 

As of Citizens bonus payout time table, I was expected to be paid {$600.00} by XX/XX/XXXX. 

Till this day, XX/XX/XXXX. I have not received the bonus and have been in contact with multiple representatives from the escalation team, to the marketing department who have not been able to locate the promotion. They told me that are not able to do anything. 

I feel cheated out of my money, which was essentially a free loan for the bank. I feel deceived and ripped off from this institution who promised to pay {$600.00} for a person to complete their tasks ( which I did ) and as a user acquisition cost. 

They advertised this promotion and should honor it for those who have completed the terms. My money was tied up with citizens bank for the entire duration and I want to be fairly compensated as they promised for their promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: Marlette Funding, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX Applied for loan via online website. Loan was approved with the following terms : Amount financed- {$4500.00} Term- 36 months APR- XXXX XXXX was to be automatically debited from my account each month. So at the end of the 36 month term I would have paid a few dollars shy of {$6000.00}. This would be about at extra {$1700.00} ( since the origination fees brought my actual deposit amount down to {$4200.00} ). 

( I have attached screenshots of all the above terms ). 

XXXX AFTER I received my approval and the money was deposited. I was given the opportunity to look at my account ( this option is not available before the money is deposited ) It is then that I see there will a DAILY accrual interest rate of {$2.00}. Which would meant at the end of the loan I would have paid an extra {$2600.00}. I was never made privy to this. 

XXXX I called a XXXX rep who transferred me to the verification office. 
I have documented a verification rep saying I dont even see a daily accrual as per of your terms so she transferred me back to someone who works in approvals who proceeded to incorrectly explain how math works. 

When I told him to crunch the numbers and see for himself, he at first said my loan is 23.4 % ( incorrect ) I asked him was the interest rate increased in the 48 hours from loan origination to deposit, because that was not on any of the documentation I have. 

He then admitted I was correct as far as the APR but had no answer as to why it was higher. 

He transferred me to another rep, I explained the situation to her and she said to hold so she could consult her superior, she came back on the line and I asked what would be done, she then immediately disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: FORD MOTOR CREDIT CO.
State: IL
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I tried to login into the Chase bank ( chase.com ) mobile app to pay bills and check on my funds. My login screen was covered with XXXX agreements which I need to sign on. No access to my accounts. These XXXX agreements on which my use of the account was conditioned, were of XXXX total pages in total! They are attached. 

I called the company on the same day, as expected, they explained to me that they can't do much about it. The person on the phone also suggested that probably not all the stuff in the agreement was applicable to me, advised my to skim through and concentrate on what's relevant. 

Blocking an account which is in a clean state for the reason to sign a volume of documents is completely unacceptable. On further reading, there are clauses in the account which the customer can opt out if the customer decides to do so. The opt out is not via a check box ( yet the signing of the agreement is ), it's via a separate letter that needs to be sent to the company. This is obviously done with the purpose to mislead, and to sneak in changes which they can not enforce customers to accept. 

As a general rule, if they are willing to accept electronic signature, or checking a check box to accept an agreement, they must provide the SAME LEVEL OF INTERFACE for the opt-out clauses. In this case, they should have had a check box for each opt-out clause.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: WAKEFIELD & ASSOCIATES, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed that Wakefield and Associates is falsely reporting to XXXX major credit bureaus. I never conducted business with this company nor have I signed any agreement giving this company permission to collect this alleged debt. I sent Wakefield and Associates a debt verification letter on XX/XX/2021 and the company has refused to respond BUT they are still verifying the debt with the credit bureaus. I reported this company to the TN Department of Commerce and Insurance. If this alleged debt is not removed within XXXX  days I will move forward with a lawsuit in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from Synchrony Bank with the Credit Card agreement for my XXXX XXXX card enclosed. In the letter ( attached ), Synchrony indicated they had made a mistake in not enclosing the Credit Card Agreement when I initially was approved for the card earlier in XXXX. As recompense they indicated in the letter that they would be issuing a credit for any fees and finance charges that were assessed to my account from date of account opening to XX/XX/XXXX. They further noted that any balances on my card for charges made up through XXXX XXXX would be moved to a 0 % interest rate until the balance is paid in full. 

Historically, i have not incurred any interest charges or late fees on this card and so the refund of these fees would not apply in my case. In terms of the 0 % offer, since my payment due date is XX/XX/XXXX i had already paid my balance in full by the time i received this letter and so I also did not benefit from this 0 % offer. Synchrony knew or should have known that certain customers would have made credit card payments by the time the letter arrived in the customer 's mail box thereby absolving them of providing equal benefit to all customers. Those who do not pay in full on a regular basis receive the benefit of 0 % while those paying in full receive no benefit. 

On XXXX XXXX I called XXXX XXXX customer service to complain about the late timing of the letter and the fact that there was no benefit to me since i received the letter after my payment due date. I noted that if Synchrony had sent out this letter earlier in the month that i would have also benefitted. I requested an extension of the period for charges at 0 % to be extended to new charges through XXXX XXXX, XXXX and the employee put me on hold indicating they would check with their supervisor. Shortly after, the line went dead and the rep hung up on me. No attempt was made to call me back even though I had verified with this person my cell phone number. 

I called back later in the day on XXXX XXXX and spoke with a different representative who indicated the supervisor the first employee spoke with denied my request. The second representative indicated there was nothing more they could do for me. I am writing to receive equal benefit for the mistake made by Synchrony and would like 0 % for new charges through a certain date, a benefit extended to others who suffered the same mistake that Synchrony had made. This is only fair and equitable for all customers to receive the same benefit. I hope CFPB can help in this matter.

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 2023-01-10
Company: Experian Information Solutions Inc.
State: HI
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:
Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. 

There has been a warning on my report to not approve such things. 

My credit report with Experian is a complete mess, full of inaccuracies, and they have chosen not to deal with it. 

This is unacceptable. 

Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. 

These entries should and shall be removed.

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 2021-12-31
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: Reporting company used your report improperly

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 2020-04-06
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or about XX/XX/2020 I learned about an account that I don't recognize that is listed on my credit report ( s ) i then contacted the company that place the item for collection and now is currently reporting the derogatory and negative information on my XXXX, XXXX XXXX and XXXX  Credit Report ( s ). The company mentioned an address that I do not recognize and a different name however the account doesn't belong to me and wish to have this item removed from my credit report as it is not valid and is being reported as a result of misinformation, fraudulently as per the FCRA, FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have noticed a lot of emails and transactions on my credit report recently. I was exposed to a data breach where my personal information was taken and used fraudulently. I am certain that someone is using my identity to open accounts and make charges to existing accounts. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code XXXX civil liability. 
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 
I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2023-03-30
Company: EQUIFAX, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$3000.00}. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: EQUIFAX, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 response to consumer: Closed with explanation