BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-15
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2018 I WAS REPORTED LATE - WITH DISCOVER CARD - I WAS NOT LATE - THERE SYSTEM DID NOT ALLOW ME TO PAY ONLY ONE PAYMENT METHOD BY CHECKING ACCOUNT - I DO NOT HAVE A CHECKING ACCOUNT AND THEN THEY SENT ME AN EMAIL TO SIGN UP FOR A LOWER PAYMENT AND SPREAD IT OVER 3 OR 4 MONTHS AND FIRST PAYMENT HAD TO BE MADE BY XX/XX/XXXX I TRIED TO DO THAT AND WOULD NOT ALLOW ME TO PICK THE DATE 0 THE SAME DAY I FINALLY GET A REP THEY REPORTED - THIS IS NOT VALID REPORTIING - THEY STATED THT MY CYCLE REPORTED ON XX/XX/XXXX AND I ATTEMPTED SEVERAL TIMES TO MAKE A PAYMENT THE EMAIL WAS SENT XX/XX/XXXX I TRIED TO MAKE A PAYMENT ON THAT DATE ACTUALLY THE WEEK BEFORE, SO IF THEY TRACK EVERY TIIME WE LOG INTO OUR ACCOUNTS THEY NEED TO PULL THAT INFORMATION AS WELL AS THE PHONE CALLS OF ME ASKING OTHER FORMS OF PAYMENT AND NO ONE EVERY GIVING ME ANY OTHER FORMS BESIDES. THIS N IS NOT MY FAULT I WAS NOT LATE - I WAS ABLE TO MAKE PAYMENT PRIOR TO XX/XX/XXXX AND WAS NOT ABLE TO DO TO THE SYSTEM - ERROR - I CONTACTED DISCOVER CARD THEY STATED THAT THEY CAN NOT REMOVE THE LATE UNLESS IT WAS THERE FAULT - WHEN I TRIED TO DO THIS PRIOR TO AND WASNT ABLE TO DO THE PAYMENT DUE TO SYSTEM ERROR THAT IS THERE FAULT NOT MINE - I TRIED TO FULFILL MY OBLIGATIONS - AND YET I AM BE PENALIZED FOR THERE SYSTEM ERROR, WHICH IS NOT FAIR I TRIED EVERYDAY THE WEEK OF THE XXXX - TO PUT THE INFO IN AND DID NOT TAKE IT, I WOULD LIKE ALL CALLS PULLED ON WHEN I ASKED FOR OTHER FORMS OF PAYMENTS AND WAS TOLD THAT I HAD TO SIGN ON LINE OR THEY CAN DO IT OVER THE PHONE. TODAY XXXX   THE REP - SAID OH YOU CAN MAKE A PAYMENT THRU XXXX XXXX - I HAVE NEVER BEEN LATE AT ALL ON THIS ACCOUNT SINCE I HAD IT - I HAD ONE ISSUE WITH MY PREPAID ACCOUNT AND THEY DO NOT ACCENT THAT ACCOUNT AND THAT IS IT. DISCOVER CARD CLEARLY CAN ASSIST BECAUSE IT WASNT MY FAULT WHEN I TRIED TO DO HAS THEY ASKED,. THE SUPERVISOR EXPLAIN THT HE CAN FLAG MY ACCOUNT FOR DISPUTE - THAT IS, - THIS IS DEFINITELY UNJUST AND EFFECTING ME TREMENDOUSLY. MY CREDIT SCORE AS DROPPED TREMENDOUSLY I WAS UPDATE DXX/XX/XXXX ON XXXX MEAN WHILE THAT DAY I FINALLY WAS ABLE TO GET SOME ONE, WHO DID NOT SET ME UP FOR WHAT DISCOVER CARD EMAILED ME - BUT FOR A REGULAR PAYMENT AND STTD THT IT WONT UPDATED AGAIN UNTIL AFTER THE XXXX - THIS IS A COMPLAINT THAT NEEDS TO BE LOOK UPON BECUASE IF I TRIED TO MAKE THE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: EQUIFAX, INC.
State: GA
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:
When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Debt Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/2023 Dept Recovery solutions XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX They state I owe XXXX and put it on my credit report that I do without any information sent to me of who I owe for what and if I did in fact owe. I have no idea who this could be as I do not have credit cards or owe anyone. Now it is making my credit go down that Ive worked hard to get to come up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: SYNCHRONY FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX PayPal allowed XXXX ( nurse ) claim # XXXX to charge my PayPal credit account without permission during the act 's of another authorized transaction which three days later after the agreed amount paid of over XXXX dollars the company transpired to extort more money out of and I was unaware of an additional charge made until after 4 days of the company telling my money would be returned. I contacted PayPal and the money was returned but filled for fraud on the {$38.00} but the agent documented the account as not as described. I got a response from PayPal per merchant service render on XXXX XXXX I was told the filling status which limitation corrected to unauthorized within 24 hours a response from PayPal was denied due to many unauthorized transactions from the same merchant that's all on PayPal account. Some however PayPal ALLOWED this merchant to access all of my credit cards listed on PayPal profile. However, PayPal states the merchant never get your credit card info but XXXX was the first to notify PayPal of the fraud then PayPal notified me to check all my accounts listed on PayPal.  XXXX  ( nurseessay ) has a listed business address in Texas however, the address is a residential with a new owner since XXXX. The business is not listed with the Texas Secretary of State or the IRS. The business phone number continues to ring with no answer but, PayPal continues to allow this merchant to use and abuse customers by lying and stealing. PayPal states no third party access my account because the IP address showed to be used by me but, how did the Company steal money using my IP and Log in

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 2023-01-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
the below information should not exist on my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID XXXX XXXX Single family XXXX XXXX XXXX XXXX CT, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX Address ID # XXXX Apartment complex

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 2022-11-04
Company: Roadrunner Account Services, LLC
State: IL
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose.

44.6K 435 7667

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: NY
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:
Date : XX/XX/2017 Amount : {$38000.00} Action Taken : For the 4th time, I asked for a description of proper reinvestigation of the procedure used to determine the accuracy and completeness of the information.

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: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
In XXXX of 2018, I purchased a tv from Bestbuy and was convinced by the employee to open a bestbuy credit card for the purchase. So I was approved and I put the tv on the credit card because the employee said it was a zero interest credit card. Fast forward two years and I was hit with over {$400.00} in interest ( I only owed around {$200.00} left on the tv and never missed a payment ). Apparently the cards zero interest was for a promotional period for 24 months. The 24 months ended and they hit me with all of the interest that wasnt added in the first 24 months. I called and spoke to a representative and she essentially said from now on moving forward, I know what happens with their card. When I asked if she could please waive the interest because I had absolutely no idea that the interest would be added, especially considering Ive never missed a payment and could have paid the tv off in full months ago if I had known, and she essentially told me too bad. This is ridiculous. They should have at least notified me that the promotional period would expire soon so I could go ahead and pay it off. Now Im going to have to pay this extra {$400.00} I dont have, to make sure my credit isnt ruined. Please help me.

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 2023-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: CA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.

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 2018-08-15
Company: FIRST CITIZENS BANCSHARES, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
For years ( mid XXXX 's thru XXXX ) I have banked with XXXX XXXX in MI. It was not the best bank. The services were poor locations closed every year, they had very bad consumer tactics in trying to grow new business and finally they were shut down in XXXX by the FDIC. I know you may wondering why I stuck with this back thru their demise, but I am XXXX and have no transportation. Anyhow, after a year of sticking around thru the closing and transition to a new banking institution ( from XXXX XXXX to First Citizens Bank ) I find myself experiencing terrible service, no walk in banking location, and not enough ATM choices to access my money. Last night on XX/XX/XXXX I spent 45 minutes each on the phone numbers provided to me, trying to reach a csr using XXXX and XXXX. No one ever answered the line. I finally called a banking center at this number XXXX and reached a Csr. After explaining my frustrations the Csr helped me gain access to online banking and reset my pin for my ATM /DEBIT card after 30 minutes or more I was able to view my balance, but there were no records of banking statements available. As I move to the next day XX/XX/XXXX, I went to an ATM and I still have no access to my funds in my account. The ATM machine says my pin is till incorrect. I called a csr at XXXX AGAIN. I went on to explained what was going on again the csr reset my pin and ask me to use the closet ATM that was near me. As I used the ATM with the CSR on the phone with me the ATM CAPTURED my ATM card. I am FURIOUS. This is absolutely OUTRAGEOUS. The Csr then suggested that I call back the number on the back of the card that I no longer have, because the ATM TOOK THE CARD. At this time I asked for his manager immediately. I have not been able to access my account, get my money, shop, pay a bill since XX/XX/XXXX. The manager has stated that she will expedite a new ATM card to me. But after all this awful service my plan is to withdraw my money and close my account as soon as I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX and I am submitting this CFPB Complaint to request that the inquiries being reported on my Credit File be removed in accordance with the Fair Credit Reporting Act. I previously sent a dispute letter on XX/XX/XXXX demanding the removal of the unauthorized inquiries being reported on my Credit File. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I have already made and attempt to have these inquiries removed over the past few months, but they still remain on my credit file. I respectfully request that the following inquiries be immediately removed from 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. If the Credit Bureaus believe that the dispute inquiries belong to me, I require the XXXX XXXX XXXX to send me copies of documents proving such claims. In the event that no documents will be provided within the time allowed by law, I expect nothing but the deletion of the disputed inquiries.

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 2023-01-25
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Hi, I am not sure where or to who am i speaking about the mortgage fraud. It happened when I filled out for a forbearance only for XXXX  months ... XXXX, XXXX XXXX XXXX last year, and then after XXXX  months suspended for forbearance, I started regular payments on XX/XX/2022 and continue payments. So when I looked at the mortgage statement, they are try to say that I owe them more than what I know how much I owe. I called the mortgage company and discussed and expected to solve it several times, so when we were done discussing through a phone call, they emailed me the mortgage statement with the correct information for how much I owe, but it seem the same and won't change, they refused to fix the error. I have information on mortgage payments regularly and always on time. 

Attach documents ( optional ) Include copies or photos of documents related to your issue, such as contracts, letters, and receipts, and we will forward all materials to the company for review. 

I prefer to email you with attached documents if you give me your email address.

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 2023-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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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