BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Ive Sent off my letters off since the year XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. I have a report showing the accuracies. Ive also included certified letters return pieces And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX -account # XXXX because it is not consumer debt Also XXXX deleted it and i sent follow up letters if it got deleted on there the other all the two bureaus are supposed to delete it as well

Company response to consumer: In progress
Consumer complaint received 2019-09-13
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:
This My Second Complaint, The First case was denied

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 2020-06-17
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Met with my lawyer today he was not able to get answers from shell point mortgage and is very frustrated he received a paper from them that now says I owe even more to them over XXXX so he is filing a court date for fraud charges against them. I also want to sue for damages and violations or I'm hoping you will step in to correct this matter and help me I really don't know how this works can someone email me with any information about what happens now? Against shell point? Thank. I already have a complaint on file with you number XXXX my name XXXX XXXX XXXX is the last name on the mortgage my email is XXXX my phone is XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Lloyd & McDaniel, PLC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I got a call from Lloyd and McDaniel I believe in XXXX from a very rude guy name XXXX regarding some alleged debt with a credit card from XXXX XXXX. He wasnt able to prove to me that I owe this debt by proving an original contract or anything showing this debt was mine. He proceeds to tell me that he sent a wage garnishment to my employer which was an old employer and all this was sent without my knowledge. I wasnt concerned being that I didnt work with the company he said he sent he garnishment too and I didnt owe this debt. XXXX then says thats fine and he continues to push and tell me that I needed to pay {$350.00} on this debt or my wages would be garnished with my new employer. I state to him I dont owe anything why would I pay. He goes on and on saying what will happen so me I give in without knowing my rights and made this payment of {$350.00} to avoid my wages being garnished while I dispute the account with XXXX XXXX being that this isnt my debt. Even though I made that payment in XXXX, Lloyd and McDaniel still sent a wage garnishment to my new employer and my wages are being garnished. I feel that this was very wrong of them and they have gotten over on me and no telling how many other people they are lying too in order to collect money. They need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: A.R.M. Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A.r.m solutions XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I got a deb collection from above company forXXXX that I never owned or received services Agency account number XXXX My name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Citi bank credit card Card numberXXXX This credit card earn credit reward {$7200.00} end XX/XX/XXXX  When I closed my business on end of XX/XX/. Citi bank cancel my credit card account by bank policy. The service rep told me clearly. He will transfer to personal account and receive the credit rewards automatically. But it take two months long to set up my personal credit card accounts. Then they did not also transfer my cash rewards to me. 
I feel Citi bank stole my money which I supposed to earn from my credit card transactions. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I've attempted numerous times to get this report squared away but, I can't seem to get any help. There is incorrect information still on my report... Please only respond and correspond through CFPB if you attempt to contact me through any other means besides the CFPB portal, I will consider it harassment.

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 2023-09-28
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2015 {$660.00} Considering this debt is due to identity theft I contacted the credit bureau to find this debt on my credit report. I made attempts to contact the company directly and was referred to complete an FTC report citing identity theft.

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 2023-08-17
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Yes I purchased a vehicle with U S Auto Sales back 2022 and in XXXX they sold or Westlake Portfolio took over the car loan. Now my balance is almost like I never paid it, and I see that they are not honoring the warranties including the XXXX  insurance. No fees have not been reduced and their is a {$5.00} charge for every payment along with a late fee. I have already paid about {$1000.00} not knowing that they are just a debt collector for U S Auto Sales. Now all they do is call all day until after XXXX and send multiple emails for payment reminders.

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 2023-03-01
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX and XXXX gave me a XXXX XXXX of XXXX. The score they showed for Experian was higher than the score Experian was showing me. Experian also did not update my scores of the other two agencies for 3 months. Experian ignored updating my score and showing me my true score at Experian and at the other two agencies from Experian 's dashboard. They were hiding my true score from me and the other two agencies. Experian did not want me to see that I had good 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 2023-09-28
Company: EQUIFAX, INC.
State: FL
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 Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Case # - XXXX Dear Equifax : I called Equifax consumer care dept on XX/XX/28 at XXXX XXXX. 

I was connected to XXXX in customer care and she verified my identity and transferred me to a supervisor. 

I was transferred to XXXX at XXXX XXXX  - a supervisor in customer care dept. 
He confirmed my documents and letters then transferred me to the consumer affairs dept. 

I was transferred to XXXX in consumer affairs dept at XXXX XXXX. 

XXXX confirmed he could see the communication with me and the CFPB and my personal identification documents regarding this issue. He placed me on hold to remove all blocks and discrepancies on my file that he could. 

He informed me there is an internal block that needs to be removed by and internal department at Equifax. 

He said he created a ticket and sent the ticket to the department that can remove the internal block on my file. 

XXXX said I did NOT need to send any additional documents to Equifax regarding this issue. 

He said the block will be removed within 24 hours usually and Equifax will call me back within 24-72 hours to confirm the block has been removed. 

After that, creditors like XXXX XXXX XXXX will be able to report to my account. 

If we do not get a call within 24-72 hours I can call back to the consumer affairs department with my case number for this issue to confirm the internal block has been removed. 

He confirmed one more time that Equifax does not need anything else from me or XXXX XXXX XXXX to solve the issue and said he would create notes on my file detailing this conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Navy federal keep charging my business account XXXX XXXX XXXXXXXX XXXXXXXX  Fees

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 2023-08-18
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THIS IS NEW INFORMATION ADDED OF THE LIE I CAUGHT XXXX. 
THIS IS NOT A DUPLICATE. 

XXXX is in violation of 15 U.S Code 1681 by submitting and reporting inaccurate information to CRAs. Which is a FEDERAL VIOLATION. 
XXXX LIED and said theyve deleted all information from my credit report, yet the documents Ive uploaded proved different. I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR. I did NOT give XXXX any permission to report this inaccurate information to any CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: Nelson Cruz & Associates LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I never received notification of debt and never received information about disputing debt and never received verification of debt either. Delete off 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 2023-09-28
Company: Checkr, Inc
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I tried more than 4 times to have my data deleted from their system but their online process to request deletion was cyclical and I could not make the request. I tried every option provided including a chat window but could not get to a place where I could request the deletion of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Approximately one month ago, I established a checking and savings account through PNC. I did this after moving from North Carolina, where I currently have a XXXX XXXX XXXX XXXX account. I successfully transferred money from this account ( {$2000.00} ) and from another account ( {$1000.00} ), but when I tried to transfer another amount of {$2000.00} to my PNC account, it was rejected. NC XXXX was not notified that this amount was rejected, and sent the money anyway. For two weeks, {$2000.00} was missing from my accounts. After calling both banks, NC XXXX was finally able to help me by talking through the dispute process, and they were able to locate the {$2000.00}. 

During this time, I was unable to make my requirement of depositing {$2000.00} in my checking account through PNC, and a fee was taken. When I went to attempt the deposit again, I discovered my online banking access was revoked for PNC. After calling several times and visiting multiple branches, I have continually been told that I will be called back in 1-3 business days by higher-ups. PNC has NEVER called me back, and I have always had to call them to ask about my issue, having to re-explain this problem to several officials. I now do not have access to {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: FL
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:
Equifax, I am a victim of identity theft and there was the below and attached unauthorized hard credit inquiry done- please have this removed immediately as this fraudulent inquiry is damaging my ability to obtain credit : CARD ASSETS, A DIVISION OF - XX/XX/2023 Attached to this complaint you will find : - drivers license - social security card - address - ftc complaint

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10
Company: CITIBANK, N.A.
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
{$580.00} balance transfer, sent digitally to my account. It cleared & was charged to me. But never made it to the payee. Was sent to wrong bank, they also never received anything & was willing to refund if located. Citi bank would not refund my account and is holding me accountable for this transaction. It was done incorrectly & the other account was never paid either. A representative performed this balance transfer via phone & was done incorrectly. No accountability has been taken & XXXX stuck with the {$580.00} in addition to the account never paid via balance transfer. Citi claims since it cleared it was resolved. The funds never paid off my account & never showed up. No one can locate the money. Ive called & called. Citi offered only solutions of me calling again & again to the payee, they refused to give them additional information they needed to do their own investigations as well when i did call them. Non complaint to their requests. Another investigation after there was already XXXX for 30 days. No refunds or credit was offered to me & they said i was responsible for figuring it out & paying it back.

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 2023-12-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/23, I was shopping online at Amazon.com. When completing the purchase of an item, the webpage displayed a promotion in conjunction with the item I was purchasing to apply for an Amazon Store credit card with Synchrony Bank and receive a credit towards my purchase.

I then applied for the card through the website in order to receive the credit, and was approved at that time. I then proceeded to checkout for the item and the credit was not reflected. I called Amazon and asked them to correct the error, and they said that I would not get the credit because the item was not sold by Amazon. I am still not clear what this means as the item was purchased through Amazon and the promotion was tied directly to the specific item I was buying and at no point was there any indication that I would not be eligible for the credit.

In effect, I was deceived into applying for and receiving a credit card through the false advertising of a credit. I believe this experience illustrates a clear instance of Unfair, Deceptive and Abusive Acts and Practices by both Synchrony Bank and Amazon and as a consumer we seek compensatory relief for the financial hardship I have experienced. I would not have applied for this credit card or purchased this item had Synchrony Bank been transparent that I would not receive the credit that they were advertising.

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 2022-02-08
Company: Duncan Solutions, lnc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had been getting debt collection letters multiple times regarding toll violation, and im sure i did not made violation. I received the first letter on XX/XX/XXXX for {$410.00} ( i paid this not knowing this is a fraud ), i received the second letter on XX/XX/XXXX for another {$140.00}.

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 2024-01-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/24 at XXXX US Bank XXXX XXXX XXXX XXXX XXXX XXXX ATM machine closed the door with my money and printed a receipt saying the deposit had an error and gave me an XXXX number to call. It did not put the funds in my account and I was told I had to wait 7-14 days.

This is absurd! The company that picks up the money obviously did not balance and has my money. Yet I have to wait as my account goes into negative balance and checks returned. Not to mention I have had to cancel appointments that I had due to not having.

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