BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: SYNCHRONY FINANCIAL
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:
XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or XXXX  days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 explanation
Consumer complaint received 2023-06-02
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:
XXXX XXXX XXXX has continued to report a closed account as being late. All three credit agencies has deliq date of XX/XX/XXXX and XX/XX/XXXX. Due date for this vehicle was the XXXX of each month. I was never 30 days late in XXXX. Confirmation number for XX/XX/XXXX XXXX amount {$900.00} ; XX/XX/XXXX confirmation XXXX XXXX ; XX/XX/XXXX confirmation XXXX {$880.00}. 
I paid off vehicle XX/XX/XXXX with a check from XXXX XXXX. I called them with check number the next day and told customer service lady that i paid it off and got a new XXXX highlander. I also sent an payoff email confirmation XXXX through site on XXXX XXXX and they closed it on the XXXX. I also received a letter dated XX/XX/XXXX that they received payment. I paid off before XXXX payment was 30 days late. I disputed and the late payment on credit report. They came back and put past due no more than XXXX late payments. I was never XXXX or 60 days late. 
How can i be 30 days late on XXXX payment if i paid off car and received a check from XXXX. I have the letters and all confirmation payment emails that i can prove. No one from credit bureaus or the company will help. I have to stay on hold for XXXX mins just to be disconnected. Please remove off report. I am XXXX XXXX and this is hurting me. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my recent credit report request from Transunion, XXXX, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT

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 2021-05-23
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not aware of this debt of {$110.00}. I contacted XXXX to cancel this policy via phone. I also stopped making payments. The vehicle I had insured at the time was not being driven as it has transmission issues. Once I received my stimulus, I was able to repair my vehicle. I then insured my vehicle again with another company. 

XXXX did NOT notify me of this remaining alleged balance and/or discrepancy BEFORE selling this account to the CCS collection agency. I also changed my residency in the chance that a letter WAS mailed from CCS. Nor am I required to continue to PAY for a vehicle that can not be driven! A few months later AFTER I fixed it, it was then TOTALED. I don't even OWN this vehicle anymore! I have included copies of my XXXX policy as well as proof my vehicle has been totaled/sold. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. I did NOT receive any correspondence from CCS regarding this debt! I had requested FULL verification of this debt, including copies of the previous notices that were sent to a VALID UPDATED address BEFORE this debt was reported to my credit! I have NOT received a response from the creditor to date! 

The ONLY thing they did was update my BALANCE to {$0.00}. I requested them to REMOVE the debt as it shouldn't have been reported in the first place. So now I have a negative item of {$0.00} sitting on my credit. I'm also a CURRENT XXXX customer now with my NEW VEHICLE so I am APPALLED that this is how CCS treats CUSTOMERS of their current business partners! I am really considering leaving XXXX over this! I guess I will have to send a " certified '' letter to XXXX when I switch so I can have " proof '' I cancelled my policy this time so a creditor won't claim I owe a balance on an UNINSURED vehicle.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 2023-06-02
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account is always funded by a transfer in - never before have they charged me like they have since the first of the year I can not get in touch with the branch manager or get an answer from anyone. 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 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 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 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 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 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 response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I do not know who opened an account with my name but with another address so best buy contacted me and they ask me about but I did not know nothing about so they sent me a letter where say that they took off all charges on my name month later they sent me a letter and they say that they going to do legal actions on me but I never used the credit card that they suppose I have.

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 2022-11-07
Company: CITIBANK, N.A.
State: MI
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 balance transfer

Complaint:
I was transferring a balance from XXXX to Citibank ( the check was draw on Citibank, I am refiling a dispute again because Citibank lied on the reason why the balance transfer check wasn't honor by Citibank. Citibank 's responded to my filing ( XXXX ) was they never received the check. I contacted XXXX on XXXX and I spoke to XXXX in the billing department. She said the check was return because Citibank said the fund was XXXX XXXX and this happened on XX/XX/2022. 

Balance Transfer amount : 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 2018-04-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Got a text from a person at XXXX XXXX XXXX asking to finish my loan forgiveness application. I never started one so I called and they had all information I had submitted to Navient the previous night. As I had the person on the phone my son called my daughter who was a previous employee of Navient. My daughter stated to hang up it was fraud so I hung up and the caller called me on my home phone from XXXX XXXX XXXX and at the same time emailing me to pick the phone up we got disconnected.from email XXXX previously to that he I got an email that I changed my password from XXXX it wasnt me that changed it. I then contacted Navient and they gave me the number to this organization and I was sent this email.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: NRA Group, LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I recently checked my credit report & noticed XXXX XXXX XXXX was on there.. XXXX is a 3rd party debt collector according to the XXXX. I refuse to pay this debt to this business that I have never done business or have any obligation or contract with. This company obtained access to my private information unlawfully and has violated my right to privacy. I demand that this company delete this trade line from my credit report immediately. Failure to do so will result in litigation for multiple violations.

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 2023-06-02
Company: SANTANDER HOLDINGS USA, INC.
State: AL
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: Investigation took more than 30 days

Complaint:
I have called XXXX, XXXX, and XXXX about two accounts that are reporting on my credit profile without any luck. I recently sent out letters on XX/XX/2023 to all three bureaus notifying them of this and asking if they could open an investigation into the outdated accounts, I still have not heard anything back as of XX/XX/2023. I would love to get this handled as soon as possible and get those my accounts off of my credit profile as fast as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Any bank or card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive payments. Funds in your balance will be held for 180 days, after which well send you an email with instructions about withdrawing your funds. 


Reference ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: GA
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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02
Company: EQUIFAX, INC.
State: WI
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:
we need to update all three credit files at XXXX and Equifax and XXXX. first the consumer statement is wrong i need that to have the right phone number in which should be XXXX we need update the security / credit freeze and add an initial extended fraud alert. we also need to fix my credit inquires and accounts removing every thing that was fraudulent and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Zelle charged me twice when sending rent to my landlord. Rent this month was {$1100.00}, and when I sent it there was a separate charge of an additional {$1100.00}, which put my bank account into an overdraft of around - {$700.00}. I contacted XXXX and they said there is nothing they can do as it is an issue with Zelle themselves. This is a HUGE breach of trust as XXXX owns part of Zelle and the service is plastered all over their app. I don't know what I am supposed to do, as the remaining money in my account was to be used to feed myself and pay the month 's remaining bills. Now I will incur many more late fees because of this egregious failure to refund their customers who use one of THEIR PRODUCTS. I will be switching banks. I would like to add that I hope a class action lawsuit results from this and that I will most certainly take part. The amount of emotional and financial damage this is causing me is unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-06-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo refused to credit back to XXXX XXXX from my account that they put into my account after i did an accidental triple transaction through my city. When i contacted Wells Fargo initially on XX/XX/2023, i called them to recall XXXX of the XXXX transactions. At that time, the agent i spoke with told me that it was happening automatically, and i had to do nothing. Also during this time, i was never told of, or made aware of, that two provisional credits that were attached my account, nor was i ever given a Claim number in reference to these recalled transactions. 
When i called Wells Fargo on XX/XX/2023, They denied everything i said, and claimed that i had been given a claim number and even sent it via XXXX mail and in my online Banking message center. I even told them that the local government contacted me directly and reversed two of the transactions, yet Wells Fargo still had the audacity to go into my account and pull the provisional credits i was never told of or had in my account. 

The XXXX XXXX account XXXX, denied everything i said, and blamed it on me, saying that i had started the claims process ; which i never recall happening, since the agent i spoke to on XX/XX/2023 never said there was going to be a claimed opened, that they were just going to reverse the transactions automatically on their end.

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 2018-04-12
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA VIOLATION NO KNOWLEDGE OF THE FRAUDULENT ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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