BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX weeks ago I notified TransUnion of ID Theft and that someone had opened several account under my name without my consent or permission. I sent my police report with proof of my identity and proof of address all sent certified mail. Called this morning XX/XX/23 spoke with the Fraud Victim Assistant Department to inquire about the status of my Identity Theft Complaint asked if they received my documents and they said yes. When asked why these fraudulent accounts were not block they responded they have to investigate I told them that thats not what the Law says they are refusing to block these accounts and said that I have to wait 30 to 45 days to investigate. How can that be possible when the law clearly states that they have a duty and obligation to block the information and notified the data furnisher that they have block these fraudulent accounts.

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 2022-11-15
Company: Special Financing Company, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I contacted XXXX XXXX XXXX to sign up for their program. I was mislead and lied to on many occasions. Even when I tried to cancel before they pretended to start working I receive a called for the XXXX stating we will get it done. This company caused my XXXX XXXX to drop tremendously by sending in incorrect information had a wrong date of birth added that I had to get corrected. Even after I asked them to stop sending their so -called dispute letters in they wouldnt stop insisted they will keep trying. Fortress teamed up with Special Financing LLC this fraudulent company and they are telling me I still have to pay for amount that was financed even though they didnt do any work on my behalf. They made it difficult me to even apply for anything each credit bureau put fraudulent red flags on my credit file and it took me months to get that straightened out. The XXXX of XXXX XXXX XXXX stated she would contact Special Financing LLC so they would zero my account out and I wouldnt receive a bill. Today XX/XX/2022 I received a statement saying I owe Special Financing LLC. I am tired of these people harassing me. I will be getting into with an attorney this evening because I am tired these XXXX scammers. I would like for the FBI to investigate them up and down. And review all their fraudulent agreements and contracts. I am a veteran and I will be seeking guidance from the XXXX XXXX as well. This makes no sense at all trying to take money from individual when youre not performing the services that you guarantee. Where are your human morals people

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have the synchrony amazon prime card and I am reporting predatory practices intended to recoup more interest fees from customers. First, I bought a television from amazon on XX/XX/XXXX ; it was a large purchase ( {$1700.00} ), so I thought it was smart to take advantage of the 12 month interest free financing. Come to find out, there is no way to set up autopay on the account to pay for both the TV in 12 equal installments plus whatever other monthly purchases I make on amazon. I had to do it manually each month. I was not told this by Synchrony or Amazon at the time that I purchased the TV at the promotional rate. The synchrony card 's failure to include an autopay feature that includes promotional purchases makes timely payment by consumers more difficult and takes advantage of the likelihood of human error in order to recoup more interest fees. That did in fact happen in my situation and I ended up paying about {$100.00} in interest ; at that point, I decided to pay the whole balance and forgo taking advantage of the promotional rate in order to avoid any future accidental interest payments. 

On that date I went to make the whole payment, XX/XX/XXXX, I sought to pay my bill and went to the web address on the bill : syncbank.com/amazon. That address took me to amazon storefront. I had to click through several " help '' windows to finally find the synchrony website for the prime card. I also tried going to the standard synchrony website, but I could not log in with my amazon synchrony password. The fact that the payment site was so difficult to find, is again a predatory practice -- by making the payment page difficult to find, synchrony amazon prime card knows some customers won't be able to find it on time, thereby incurring interest payments.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and Transunion to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all three companies. It has been over 30 day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: MD
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 spoke with the Clerk of Court at US Bankruptcy Court in XXXX, NC. They verified that they do not report data to the Credit Bureaus. 

However, previous disputes have shown responses from the bureaus as saying the information was " verified ''. 

I ask that the credit bureaus : Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

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 2022-11-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
CPFB complaint # XXXX was filed on XX/XX/XXXX regarding this matter. I purchased a car at XXXX XXXX XXXX XXXX XXXX  with a loan from Credit Acceptance Corporation. The car was a lemon and had numerous problems, which caused me to be upside down. I made a decision to have the car repossessed with Credit Acceptance 's agreement. Credit Acceptance never honored the agreement so as of XX/XX/XXXX, I spoke to XXXX in the XXXX XXXX and XXXX at XXXX, extension XXXX, who advised me that the car is noted to have been at the XXXX XXXX XXXX XXXX XXXX location at XXXX XXXX XXXX, XXXX, NY. Credit Acceptance said that they decided to not repossess the vehicle and that they could not provide anything in writing regarding the account status, the vehicle whereabouts and their decision to not repossess the car. However, they did say the ownership of the vehicle was still mine and that they could offer a settlement of {$2100.00} to close the account. For XXXX years, I have contacted both companies, Credit Acceptance Corporation and XXXX XXXX XXXX XXXX XXXX and they failed to cooperate with me. I have contacted XXXX XXXX XXXX XXXX XXXX multiple times and have been given the runaround. I spoke to both administrative staff and sales managers, all promising that someone would get back to me. On XX/XX/XXXX, a person by the name of XXXX called me and left a message. 
When I returned his call, I was told by a receptionist that he no longer works there. At this time, I do not know where the vehicle is located, and I am afraid the vehicle could be used for illegal or unauthorized purposes. I was advised by my legal attorney to pursue legal action against them, since I still hold title to the vehicle.

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 2023-12-15
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Company: Experian Information Solutions Inc.
State: SC
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 filed a police report and an FTC report. I have submitted this paperwork and disputes to the credit agencies and is not getting processed correctly. I also am not getting copies of the verification process according to the FCRA>

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 2018-08-22
Company: Uber Technologies Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I am a XXXX XXXX  who uses instant pay. There is a payroll card called Uber visa debit card partnered with XXXX. I am trying to open a new account and receive a new Uber visa debit card. But I am having trouble doing so. I tried contacting both parties but I am getting no help. XX/XX/XXXX I contacted XXXX XXXX because I wanted to reset my email and password, since it hadnt used the account since XX/XX/XXXX, I requested over the phone how to change email, and passwords. They gave me instructions to reset the information, but I found that my email address registered to the account was incorrect and I was instructed if I dont have access I would need to close the account and set up a new one. I had only .2 cents on that debit card since XX/XX/XXXX so I wasnt under my impression that anyone else wouldve or have been using the card. Because its been in my wallet since. But getting back to he subject. 

They told me since I had a balance on the card so there was nothing that they could do and since I was unable to reset passwords or the email because the information was forgotten and incorrect. 

XXXX XXXX suggested I close all accounts under my social security number XXXX. 

I closed the accounts that day, XX/XX/XXXX but I still had my debit card on hand so I could still be able to try, an access the website or try to reach a live operator but Unfortunately with the accounts being closed it made communication much more difficult and I was unable to resolve the problem. 

I was unable to verify my identity, through the closed account or my social, my birthdate or even my debit card number so ultimately resulting to no communication in a nutshell. 

Theyve blocked access from me troubleshooting the problem. And This is where the problem lies. Since I am a XXXX XXXX  my payroll is through the Uber visa debit card,  and I am not able to receive my instant pay benefits. 

I need to make sure that the account closed and it is processed and finished so I can reopen one and receive my pay, Uber cant do anything since theyre only supplying the card. 

XXXX XXXX needs to pick up the pace. 
I closed the account to open new account because my login information was incorrect and forgotten. And since I was instructed to close the account and go online and open a new one I followed that and no solution whatsoever. I was also told that I wouldnt have trouble setting up a new account, but Im unable to do that either since Ive tried and I get error codes saying I already have an account registered under my social which is the closed account. 

My question is why are the making it so difficult to contact them, troubleshoot the problem and set up the new account, whats the hold up, if I only closed and account to open a new one can someone explain whats so difficult about doing that?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NY
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:
These accounts are not mine, I do not want them on my credit report, I need them to delete them. 
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 2023-10-29
Company: DISCOVER BANK
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
they are reporting balances on accounts that have been charged off for years. 
The original companies already received the tax write off for those balances which means those balances are no longer valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: U.S. BANCORP
State: OR
Product: Prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
On XX/XX/2023 I purchased the prepaid XXXX dollar gift card at XXXX XXXX after opening the card I saw that theres no cvv and theres also no chip on the card I contacted the company XXXXprepaid gift balance multiple times the first date I contacted them was on XX/XX/2023 and I was told to activate the account but you cant activate the prepaid card without a cvv, the next day I had called the company and had asked them if they can tell me the cvv number but I was told that they cant access that information. I was upset and stressed because I had experienced a scam without even activating the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Victim of identy theft on student loan in 2013. Followed all FCC rules and got it off XXXX and XXXX, but equifax refuses to remove it. They have it as a charge off only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Ref : missing paper statements and no answer from Citibank This is the second time I am writing to the CFPB regarding missing monthly paper statements from Citibank. I expect Citibank to deliver my monthly paper statements, and to deliver them in a timely manner. 

A year ago I filed a complaint ( attached ) and since then I have received three statements instead of twelve, with a 2-3 months delay. The last one I received on XX/XX/XXXX, for the settlement period ending XX/XX/XXXX, which is 3 months late. Citibank does not fulfill its obligation to deliver the statements, moreover to deliver them in a promptly manner. 

FYI, the letters sent via the XXXX go XXXX weeks from the US to XXXX, and letters mailed within XXXX go XXXX working days. 
Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A YEAR AGO - attachement XXXX, XXXX XX/XX/XXXX CFPB Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX COMPLAINT Ref : missing paper statements and no answer from Citibank. 
I have been not receiving my monthly paper statements of Citibank , N.A . since XX/XX/XXXX. I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner. 

Citibank Client Services provides customer account services for Citibank , N.A., offering both paper and electronic statements, and I prefer paper ones. 
I have not received an answer from the Citibank Client Services, to my complaint sent on XX/XX/XXXX, i.e. four and a half months ago. I have written : Please mail them to me ( the missing statements ). Please be advised, that in case of errors or questions, my inquiries may be several months late. Furthermore, your three-month delay is not the fulfillment of your obligation to provide monthly statements. 
Instead, the letters sent by the XXXX go XXXX weeks, from the US to XXXX, and ordinary letters mailed in XXXX go 2 working days. 

Previously, after almost 3 months I did receive the statement for the period ending XX/XX/XXXX. Only after 3 and a half months for the period ending XX/XX/XXXX, and here the adhesive sticker on the original Citi envelope says ( translated into English ) : SENDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), ( private entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Postal Service, equivalent to the XXXX ) Posted from : XXXX ( XXXX ) Posted on : XX/XX/XXXX I received this statement on XX/XX/XXXX. 

I expect Citibank to answer my complaint and to deliver my paper statements in a timely manner.

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 2022-02-22
Company: EQUIFAX, INC.
State: NE
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:
On XX/XX/2022 I sent an dispute letter to all three credit bureaus XXXX, XXXX, and XXXX to inform the companies that the information on my credit report was invalid information and that I wished for the information to be removed. I have not heard anything back from all XXXX companies. It has been over XXXX day and the credit companies are not complying with their own policies in a timely manner. I also sent in an demand letter on XX/XX/XXXX requesting an reply back on my original dispute letter on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX I disputed this account self account in writing stating I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. No proof of investigation was provided nor was the negative payment status updated for all XXXX self accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04
Company: EQUIFAX, 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:
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. 

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