BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: NY
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-03-18
Company: BARCLAYS BANK DELAWARE
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:
Barclays is not responding to my attempts to contact them directly. I'm going to give them one last chance to provide proof that I turned off automatic monthly payments when I did not. They can't just say that and not back it up with tangible proof. If they do not comply - I will be forced to sue. This is an absolute abuse of power that CFPB is supporting by continuing to shut down my claims when this has not been resolved. There isn't an option to appeal - or believe me I would. This issue remains wholly outstanding and I need a response from Barclays.

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 2023-03-18
Company: ALLY FINANCIAL INC.
State: SC
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 leased an XXXX XXXX XXXX through Ally Auto that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. 

In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. 

There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX  like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in 11 minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. 

Subsequently, I was informed that Ally submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX 

Ive tried to reach Ally multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. 

I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.

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 2023-12-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax Original complaint XX/XX/2023 Case # XXXX Equifax responded XX/XX/2023 - Stated XXXX XXXX was deleted. However, still there according to MyFICO report dated XX/XX/2023. 
- Stated XXXX XXXX XXXXXXXX XXXX XXXX was updated. HOWEVER, THIS WAS PAID AND SHOULD SHOW ACCORDINGLY. PLEASE UPDATE OR DELETE. 
- Stated XXXX XXXX was deleted. DONE. THANK YOU. 
Stated XXXX XXXX modified. TRUE AND ACCURATE. THANK YOU.

Company response to consumer: In progress
Consumer complaint received 2023-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXDEPT OF ED XXXX XXXX : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX XXXX : {$9000.00}

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 2023-11-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
There are numerous credit inquiries that I did not authorize on all three credit agencies XXXX, XXXX, and Experian. I have attached a fraud report with all the listed credit inquiries in question.

Company response to consumer: In progress
Consumer complaint received 2023-03-19
Company: WELLS FARGO & COMPANY
State: CT
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:
Wells Fargo Bank Act. XXXX XXXXXXXX This account is using my Information improperly wells Fargo Bank wont answer my request. 
90 Days Late XXXX Opened {$300.00} Credit Limit {$0.00} Balance Individual Account Revolving Account Type Closed Condition XXXX Date Reported {$0.00} Payment Remarks : Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Late Payments XXXX 5 Late Payments XXXX 0 Late Payments Compare this account across all bureaus. 
Show Comparison Creditor Contact : XXXX XXXX XXXX, XXXX XXXX, IA 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 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
XXXX XXXX XXXX reported an invalid collection account on my credit report. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with them. They did not provide me with the original application like I requested. After submitting a complaint with the XXXX they informed the XXXX  and myself that they notified the CRAs that they were suspending collection activities as the debt had not been validated.

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 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have not been paid yet Unemployment money of XXXX $ from Bank of America for the period XXXX XXXX  to XXXX XX/XX/2023 Been going back and forth between EDD and BoA and each person puts the ball in the others court. 
Finally I lodged a complaint with XXXX  - XXXX XXXX XXXX FDIC XXXX Federal Deposit Insurance Corporation FRCH - Federal Reserve Consumer Help ( FRCH ) But the above Institutions have not been helpful either.

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 2023-03-18
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid off my lease on XX/XX/2023 with Hyundai Capital. 

I received a paid in full letter on XX/XX/2023. I received the title and bill of sale on XX/XX/2023. 

On XX/XX/2023 I received a notice that my account is 10 days past due, and there is a threat to notify my credit bureau in 30 days that I have missed a payment. The account reflects as closed on XX/XX/2023. 

I am concerned Hyundai Capital has not updated their systems after being fined by the CFPB and these incorrect credit reporting actions continue : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-hyundai-to-pay-19-million-for-widespread-credit-reporting-failures/ Please 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 explanation
Consumer complaint received 2023-03-18
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/2023 and order was placed for an in-stock item for direct to store shipping at XXXX XXXX XXXX. 

This item never shipped. Several attempts to contact the vendor via email and phone went unanswered. 

A fraud complaint was filed with the card servicer Synchrony bank. 

The day after the fraud complaint was filed, XXXXXXXX XXXX  updated the status of the order to cancelled and marked the item as shipped. It may or may not have actually shipped at this time. But based on the lack of communication and how long it had been since the order was placed. This appear to just be corrective action to protect their business. 

The order, despite being cancelled, still has not been refunded and appear on my statement. 

The charge has not been cleared from the account. The bank will not explain why nor have I received any correspondence regarding this submission. 

I have made several attempts to get answers from Synchrony using their online customer support. 

Support agents have provided no valuable information and have required more of my time than should be necessary to resolve an obvious vendor error. 

The charge remains on my account 30 days after making the purchase.

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 2023-03-18
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My account was locked. In order to unlock the account, the agent mentioned that they will have to mail me an identity verification document. I will have to send a notarized affidavit and mail it back to the bank. The reason I opened an online account is to conduct business online and not have to deal with mail. In addition, my funds are locked for more than 15 days which is completely unacceptable. Marcus should be able to resolve the issue online. If not, they shouldn't allow consumers to open accounts online and instead have physical branch locations where the consumers ' issues can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: OPORTUN FINANCIAL CORPORATION
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 information incorrect

Complaint:
There is a company in california called Oportun, inc. In XX/XX/2022 someone took out a loan online with this company. When I reviewed my credit report I contacted them and together we made a report # XXXX XXXXXXXX They asked me for 90 days to investigate and they still haven't removed that account from my credit. I told them we could have a video interview with me and that other person so they know where the fraud is but they don't do anything and it affects my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$44000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions Inc.
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:
i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

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 2023-03-18
Company: Experian Information Solutions 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:
The contract terms weren't clear and conspicuous, which caused me to get abused and harassed as a consumer by XXXX XXXX XXXX. I made an uniformed decision when I entered into this credit transaction. This contract was generic in it's nature and was unclear for me to interpret accurately and XXXX failed to confirm if the contracts terms were clear. This grave error by XXXX is deceptive and malicious and has caused my family hardship.

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 2023-04-12
Company: Experian Information Solutions 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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected from my file right away. 

XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$15000.00} ; XXXX XXXX XXXX XXXX Owed : {$3500.00} ; XXXX BANK XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$2600.00} ; XXXX XXXX XXXX Balance Owed XXXX {$17000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$6000.00} ; XXXX XXXX XXXX XXXX : {$2900.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00}.

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 2023-03-18
Company: Affirm 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:
I opened an account with affirm in XX/XX/2022 since then I had on-time payments that could have greatly improved my credit however instead of the latter affirm only reported to XXXX and only when I was late on XXXXXXXX XXXX payment but they did not have any positive information posted before or after and they refused to update my account on XXXX website they told me every XXXX  days that was XX/XX/XXXX when I spoke to someone my credit report is now missing XXXX and XXXX payments and they refuse to update or follow up with me about this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Let me begin by saying I take ownership in the fact that I was not reading my statements. I would open my statement, read my balance, and make a payment, but not thoroughly reviewing any charges. Last month I noticed an account maintenance fee, and I called to inquire what that fee was. The first thing the rule young man on the other end of the phone said was that its always been there, and Ive been paying it. So I explain to him that I had not noticed it before and what is it? He responded to say its a fee used for dealing with their customer service so I explain to him that Ive never had to call customer service, so please remove the fee. He said they could not remove the fee because its part of their service so then I asked him to go ahead and close the account and he said OK and advised that would stop that monthly fee. I just received my XXXX statement, and the fee is once again present so when I called today I received a totally different story, unrelated to the one that the previous agent had shared with me. Today I was advised it is a fee that can not be removed, but she really could not explain to me what the purpose of the fee was. I feel like they are taking advantage of people who are working hard to rebuild their credit with this type of fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-12
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I HAD A CREDIT CARD WITH XXXX XXXX I WAS LAYED OFF MY JOB AND MOTHER PASSED AWAY, I CALLED XXXX TO EXPLAIN MY PROBLEM THEY OFFERED A LOWER MONTHLY PAYMENT BUT I COULDN'T KEEP THE PAYMENT JUST WASNT ENOUGH MONEY. THEY MADE SERVERAL ATTEMPTS TO RECOVERY THE MONEY. I RECEIVED A MSG FROM THE CREDIT BUREAU THAT THERE WAS A CHARGE OFF ON MY CREDIT. SINCE XXXX IT WAS TAKEN OFF MY CREDIT FILE ITS BEEN 7 YEARS. I RECEIVED ALERT ABOUT MY CREDIT THERE HAD BEEN COLLECTION PLACED ON IT MIDLAND CREDIT MANAGEMENT FOR A BALANCE OF {$3900.00} A DEBT BUYER. IF XXXX DISCHARGED THIS ACCOUNT AND CHARGED IT OFF HOW IS NOW XXXX THEY CAN SAY I OWE THIS.

Company response to consumer: Closed with explanation