BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have Synchrony Bank credit card which is offered by Venmo. My due date is always the XXXX of the month. On XX/XX/ I made a payment amount of {$8200.00} ( balance of my last statement ) much earlier than due date to bring up my available credit and continue to make purchases with my card. Usually, it takes two days for the payment to be posted. So, today on XXXX, I checked the account and of course the payment was posted and the balance was decreased accordingly. However, the available credit was not increased at all. This has never happened to me. So, I called the customer service and they said that I had to wait for two weeks ( till XXXX  ) before I could see the available increase in my credit card as that's their policy when large payments are made on an account. Well, it's not my first time I am making payments like this. My credit limit on this card is {$15000.00}. So, an {$8000.00} payment is not that significant. I have never missed a payment on this card and never had a late payment on it. If I was aware of this policy I would have not made an early payment and I could still use my funds. Why I was not getting a prompt when I made the payment that the available credit would not be there for two weeks. And their customer service didn't offer anything other than saying " that's our policy ''.

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 2023-02-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I mailed a negotiable instrument to wells Fargo branch at XXXX XXXX XXXX XXXX XXXX CA XXXX for the amount of XXXX XXXX I previously went in there with the original copy of the bill of exchange but they refused to accept it because they said it wasn't signed under seal. So I signed it with my corporate seal and mailed it to them with very basic but clear instructions asking them to discount the bill of exchange and transfer the funds to my account number. I also put In the instructions to send the bill of exchange back to me if they couldn't accept it. Well they did neither the bill was sent registered mail to the wells Fargo branch on XXXX XXXX XXXX in XXXX CA it was received by them on XX/XX/2022 I have the receipt from post office showing they received the package. I think it's wrong for them to have kept the negotiable instrument that was filed correctly under Uniform commercial code

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 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion should not be reporting a collection in the amount of {$5200.00} on the XXXX XXXX original creditor XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. I do not now, nor have I in the past, had an account with XXXX XXXX. I have attempted numerous times to contact XXXX, as well as Transunion to verify this account. I have never been notified of any collection and was not aware there was a collection until I obtained a most recent copy of my credit report. In addition, the Social Security Number on this account is incorrect. I have attached a copy of my drivers license and SSN card for verification. I have also attached a copy of the Fraud Affidavit I filed against this account. I have contacted the bureau to have this line item removed from my credit report however, I have not been successful. This false reporting of a collection, that does not belong to me, is seriously harming my credit score and is hindering me from purchasing a new home. Please remove this item from my credit 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 2023-11-09
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:
I would like an item removed from credit report from XXXX due to age of delinquency, it's been 7+ years since account was delinquent/ charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THERE ARE COLLECTION ACCOUNTS THAT APPEAR ON MY CREDIT REPORT DUE TO IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: VA
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 delete these items ( A ). It is not permissible to fail to delete these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be delete : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired 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 explanation
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: U.S. BANCORP
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: Investigation took more than 30 days

Complaint:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

I demand this be updated to paid as agreed on all XXXX credit reporting agencies.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: NY
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:
The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are not mine, and I have never authorized any of the transactions associated with them. 
The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit 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 2023-05-31
Company: ONLINE Information Services, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from online information services, a debt collector located at XXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX. 

They were attempting to collect a debt for a company named XXXX XXXX XXXX XXXX When I called online information services, they were requesting that I give them my full and complete Social Security number. When I would not give them my my Social Security number, they would hang up on me. I would call back, providing them all the information provided in the letter mailed to my home, and they said that I had to still provide my complete Social Security number. When I would not give them my Social Security number, they then placed a deficient collections onto my credit report. I have contacted the local state police in North Carolina regarding this matter. I spoke with XXXX XXXX badge number XXXX this debt collection was then disputed with the three credit bureaus and determined to not be accurate and was removed from my credit report. I am contacting this office to notify you that this company is fishing for people, Social Security numbers and when not provided with your SSN they will place a false claim against your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-06
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I'm trying to transfer money from my PNC account to my XXXX  account so i can invest but it won't let me because PNC won't allow it for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: OH
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-31
Company: Self Financial Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Self gave me a credit card, which I never used. They have reported late payments on my credit. I have never used the card nor never had a balance. I requested for Self to be removed completely removed from my credit and they refused.

Self closed my credit building account during a national pandemic. They refunded my money and I would like to have it deleted from my credit reports. They refuse to delete from my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Sunset Management, Inc
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Sunset Finance had violated my privacy and has released my personal information to a sibling. I was advised that they were going to " garnish my wages '' through a sibling that they had contacted. This is a violation of a federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: AMERICAN EXPRESS COMPANY
State: AL
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 have previously reported to American Express that I applied and received a credit card with them, which I did, and enjoy using.

However, I only did one application, but my report is showing two credit checks.

They previously stated only one was credit check was initiated, and to contact them if I had any proof showing otherwise. I mailed a response letter, a copy of my credit report, and their response letter to the address listed in that letter, via certified mail on XX/XX/XXXX. It was delivered and signed for a few days later. 
I have received no response, and the two inquiries are still on my credit report. This is inaccurate reporting and needs immediate attention, and correction. 
One inquiry is listed as American Express and was on XX/XX/XXXX through XXXX. 
The other inquire is listed as American Exp and was on XX/XX/XXXX through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: General Motors Financial Company, Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Made loan application to GM Financial XX/XX/XXXX. XXXX received XX/XX/XXXX stating loan couldn't be approved " based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. '' Sent letter XX/XX/XXXX " requesting disclosure of this information under terms of the Fair Credit Reporting Act. '' XX/XX/XXXX, XXXX PST-phone call to GM Financial ; XXXX unable to take call due to high call volume. '' Called back @ XXXX ; on hold until XXXX ; XXXX transfers me to Funding Dept-GM Financial Americredit ; XXXX transfers me to Customer Service; I was instructed to contact dealership for my requested information. I decided to give GM Financial time to respond to my written request before proceeding. 

XX/XX/XXXX XXXX PDT-called GM Financial @ XXXX, the number on the original letter. XXXX transferred me to credit department ; I was on hold for four minutes, then got a busy signal ; called back at XXXX ; XXXX pm-agent tells me I must go through dealership. 

XXXXonline chat with XXXX XXXX, XXXX XXXX ; XXXX took my information XXXX promised call back from dealership ; XXXX from Sales called me, I explained the nature of my business, he transferred me to the Finance Department ; I got the voicemail of XXXX XXXX, I requested a call back , got no response. 

XXXX email to XXXX XXXX explaining my situation and XXXXequesting information-did not receive a response. 

XXXXsubmitted a complaint online at the GM Financial website. Their response on XX/XX/XXXX by email : Unfortunately, because we are an indirect lender, we are not able to discuss loan applications directly with customers. If the dealership is not able to provide you with any specific information about the reason for denial, you will receive a letter from GM Financial confirming that we were not able to approve a loan. That letter will contain instructions for obtaining the specific reasons for denial. '' XXXXSubmitted a second letter to GM Financial requesting a response forthwith to my request. I have not heard from them as of this writing. 

I am beyond frustrated with GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
XXXX XXXX  was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.

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 2023-09-22
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-08-26
Company: PROVIDENT FUNDING ASSOCIATES
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
My loan was sold to Provident Funding. I had auto pay setup with the originator, XXXX and had my Escrow / insurance sent to XXXX. 

When Provident bought the loan they did not xfer the auto pay info and are now threatening me with a late fee. IMHO, Dodd Frank reg0-z etc specifices that the buying servicer needs to xfer ALL info, the borrower needs to do NOTHING. A servicer xfer should be transparent. Not a preditory series of threatening being late and needless re -- setting up of auto pays and re-asking my insurer to send the policy info to yet another servicer. 

The servicer needs to make it transparent, XXXX action for the bowerer when they buy a loan. 

My Provident new loan number is : XXXX / XXXX XXXX XXXX XXXX GA XXXX Provident ( and other servicers ) need to xfer the auto pay as well as all Escrow info, balance, insurer, re taxes paid or not etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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