BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Shopped on XXXX ; was offered {$20.00} credit if I applied for card ( XXXX me, I did it ). After that, XXXX ( or Synchrony? ) apparently gave me {$20.00} but then took - WITHOUT PERMISSION, WITHOUT MY KNOWLEDGE, AND WITHOUT ANY TYPE OF AUTHORIZATION WHATSOEVER - charged that card over {$100.00} for a " XXXX '' membership ( which I SPECIFICALLY DECLINED ). After that, I cancelled my order, but I have still received the Synchrony card in the mail. It was ALREADY ACTIVATED ( apparently they have to do that to THIEVE MONEY ILLEGALLY ). 

I tried to call Synchrony to establish the balance ( for XXXX I did not want ). 

Automated phone system says if I am calling about XXXX call another number. I did. ALL IT WAS WAS ADD AFTER ADD congratulating me for this and for that ; trying to get me to spend more money ( on a free cruise, etc. - that type thing ). 

I CAN NOT REACH THEM BY PHONE. I DO NOT KNOW THE STATUS NOW OF THE CARD I DO NOT WANT / WAS THIEVED INTO GETTING.

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 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I have no affiliation with these creditors and I did not make this inquiry.

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 2022-02-14
Company: Experian Information Solutions Inc.
State: FL
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 2017-11-27
Company: EQUIFAX, INC.
State: WI
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:
Good Morning, Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by from the following companies ( XXXX, XXXX and equifax ) listed below and that I do not recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it beforehand. Please have this inquiry removed from my credit file because I believe I did not authorize this inquiry. I have reached out to each company several times with certified mail, phone calls and faxes and no responses. This is hindering me daily with fixing my credit for not only for myself but to also become a homeowner in the near future. 

Under the Fair Credit Reporting Act, your action constitutes a violation on my rights, which is illegal and causing severe damage to my credit rating. 

I would appreciate your immediate attention to this matter. Kindly forward me documentation that you have had the inquiry removed. 

Otherwise, please send me proof of such authorization, if you find that I am confused, and you did have my authorization to inquire into my credit report. 


XXXX & XXXX that should be removed did not authorize XXXX/XXXX Inquiry from XX/XX/XXXX & XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Equifax that should be removed did not authorize XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened a new Amex Aspire credit card via a friends referral. He recommended the card which comes with an attractive welcome bonus : spending {$4000.00} in the first 3 months upon receiving the card, the customer can earn XXXX XXXX XXXX points. I traveled a lot and XXXX is one of my favorite hotels, and this welcome bonus of XXXX XXXX points is the main driver for me to choose this card among many other choices. 

At the beginning everything seems smooth. On XX/XX/XXXX I applied the card online with my friends referral code, and my application was approved promptly. There was no warning sign, non pop-up window to state I am not eligible for the welcome bonus in any way. Instead, the application web page displayed the welcome bonus during the steps of application, making me feel reassured. 

In the next two months I pooled my spending together to this new card, and meet the {$4000.00} spending line within XX/XX/XXXX. Eagerly waited for several weeks, I was disappointed to see the bonus points was not deposit into my account. And so I contacted Amex customer service by web page messaging on XX/XX/XXXX, to ask whether I am eligible for the welcome bonus and did I meet the spending threshold. I got positive answers for both questions. Please see snapshots # 1 and # 2, where the Amex agent answered Happy to check that your qualified spend is already met. And I was told I can wait for more time for the welcome bonus coming. 

However it just did not come after more waiting. I was planning for a spring travel and without the XXXX points expected to come, I need to pay out of my pocket, which is very disturbing to my financial plan. And so I checked again with Amex web page messages. Very surprisingly, this time another Amex agent told me I did NOT get approved for the welcome offer, and the previous chat on XX/XX/XXXX seems to be some miscommunication regarding the declined offer. ( snapshot # 3 ) This is blatant fraud, or false advertisement at least, not miscommunication. Consequently, I am here to ask the help from CFPB to arbitrate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: FISERV INC.
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Under California Middle Class Tax Refund ( https : //www.ftb.ca.gov/about-ftb/newsroom/middle-class-tax-refund/index.html ), I received a {$1500.00} refund. California Franchise Tax Board ( FTB ) outsourced Money Network Financial , LLC to issue a prepaid debit card which I never received. After so many attempts to figure out why I did not receive it, finally, Money Network was finally able to verify my account and re-issued a debit card to me, and then I found out the original card was stolen and money was withdrawn from various ATM machines without my authorization. I reached out to FTB originally about this incident and was informed FTB can not help and Money Network will need to assist me with this. I filed complaints and disputes against Money Network, but they never officially responded. I reached out to Money Network multiple times and finally, I was able to speak with someone over the phone, and they denied my dispute. I never received the original debit card and my money was withdrawn without my authorization. I have filed a policy report at the local XXXX Police Department. Case number can be provided upon request. I need my money back. Lastly, financial regulations and authorities are very complex. If CFPB is not an appropriate regulatory body to handle my case, please refer the right authority so I can resolve my issue.

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 2023-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I opened an estate account on behalf of my mother as I am her XXXX. On XX/XX/XXXX I deposited a Wells Fargo check in to this new account at Wells Fargo for {$40000.00}. I asked the teller when these funds would be available, I was told tomorrow and given a receipt that showed the date the funds would be available as XX/XX/XXXX. Based on that information I returned to the bank the next day XX/XX/XXXX and transferred {$12000.00} in to my personal checking account and wrote several checks. 
On Sunday XX/XX/XXXX I received an email from Wells Fargo stating I had a negative balance. On Tuesday XX/XX/XXXX, 5 days after I made the deposit I received an email from Wells Fargo that my deposit was put on hold due to the amount being over {$5000.00}. 
They new the amount was over {$5000.00} when I deposited it. 
I am now at risk of overdraft fees, have possible bounced checks and I had to transfer {$10000.00} from my XXXX XXXX  account to try to avoid this. 
This is not how a bank should operate. I have called several times to discuss and they can not help me or take my funds off hold until their system decides it.

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 2022-12-29
Company: Money Management International, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
I lost my job XX/XX/22. Became late and overwhelmed by my debts. I asked for help thru my bank and was deferred to XXXX XXXX. AT FIRST IT WAS GOOD, they said they need {$130.00} per month automatically taken from my checking. And my understanding was,,,, they negotiate a lower interest, and make small payments TO EACH CREDITOR. HOWEVER, they soon said they needed {$190.00} to pay my creditors. I agreed. They also told me Im 150 % below poverty level. 
I can agree because I can barely make it. I now have applied for Food Stamps. 
Ps. 
My complaint is that,, they constantly tell me I am BEHIND ON MY Zpayments and how could this be when THEY CLEARLY ARE TAKING THE MONEY FROM MY ACCOUNT EACH SOCIAL SECURITY PAY PERIOD. I do not understand, and they do not know how to explain to me clearly. 
In XXXX I could not allow the withdraw of {$190.00} from XXXX. THEY WERE NOTIFIED, said fine, and resumed in XXXX. Now I get letters each week, and notices from my bank credit cards that are to be managed by XXXX. 
THE STRESS IS KILLING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I am a surviving spouse with deferral rights. My loan servicing is being transferred between Champion ( XXXX ) and XXXX  ( XXXX ). I am caught between the two of the awful companies in trying to get a loss draft check paid to my contractor that did {$20000.00} repair to my home. I have provided Champion my information, time and again, and they always need for me to verify that I am the surviving spouse with the deferral rights. It took me months to gather the information, again, that they needed to pay this contractor. Once I that repeated request was resolved, Champion told me they could not issue a check because my account was being transferred the XXXX. 
I called XXXX- they told me they didn't have the funds and it could take 30 to 60 days to get the funds and then issue a check, The contractor is threatening to sue me! I have called the mortgage company, my attorney has called, my friend and I called together. All I get is sorry - nothing I can do. 
I've asked for an escalation- nope, can't do. I asked for a supervisor- nope, can't do. 
XXXX put me on hold for 10 minutes today. I hung up and called back. This time, after demanding a supervisor the attendant read me their script and then hung up on me. 
I just want the contractor to be paid, and without having to take me to court. They have the funds from the insurance company. The check has been endorsed. An inspection was made on the work.

I need help- please help me get this contractor paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: EQUIFAX, 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  has reported the 3 bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
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:
citicard has reported the XXXX bureaus that i owe {$7600.00} to them, and when asked to show the debt, they failed to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Hi my name is XXXX XXXX. 
I have a big trouble with Grant Mercantile Agency , Inc. 
First time that I talk to them been around a month ago that I been calling them not they to me! 
I told them my date of birth my address and full name that they can follow up who Im! 
And before it I saw them like a collection in my credit reports. 
I been never asked to pay it and never received letter from that company!! And a sunny day I saw that company name in my credit reports! 
That day that I called them I told them that I do not owe nothing at all XXXX XXXX ( in my life Ive been 1 time in that Hospital and paid my balance off on XX/XX/2019! ) and beside that never been in that hospital!! 
I told the Gran Mercantile Agency to remove from everywhere and do not bother me and sending me any letters ( now they know my address then I told them )!! But they start to sending me some letters!! 
And do not remove they fraudulent collection from my credit reports!! 
Please help me that they get away from me!! 
I dont no how else can I explain them that I dont owe no one any cent in the whole world beside my credit cards that Im paying all in time without no one minute late in my whole life! 
They do not do anything!! 
They are like savages and do whatever they imagine!! 
Please need this help very much! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had it with your shoddy reporting practices and your inability to verify information. I have repeatedly requested that you delete the disputed account listing from my consumer file, but you have failed to comply with my requests. I demand that you immediately delete this inaccurate and incomplete report from my credit file, as is mandated by the FCRA. Despite my repeated attempts to have this issue resolved, you have failed to take any action. Your lack of action is a direct violation of the FCRA, which mandates that information reported must be accurate and complete, updated, and verifiable. I have disputed the information for the account in question through both your agency and the furnisher of information, as provided under the FCRA. However, you have failed to take any action to resolve this dispute. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ).

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 2023-11-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Examine the attached documents. Eliminate this personal information that is not mine.

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 2023-07-21
Company: EQUIFAX, INC.
State: MO
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:
Dear Equifax, XXXX XXXX, I hope this letter finds you well. I am writing to request the deletion of certain hard inquiries from my credit report. I recently obtained a copy of my credit report, and upon careful review, I noticed several hard inquiries that I believe should be removed. 

XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX I understand that hard inquiries are generated when a potential lender or creditor requests access to my credit report as part of their evaluation process. However, I would like to bring your attention to the fact that these specific inquiries were not authorized by me, nor did I have any association or contact with the companies involved. 

As a diligent consumer, I have always been proactive in managing my credit and ensuring its accuracy. I take pride in maintaining a strong credit history and strive to uphold a favorable credit standing. The presence of these unauthorized hard inquiries not only concerns me but also has the potential to impact my creditworthiness negatively. 

I kindly request your assistance in investigating these inquiries and taking the necessary steps to have them removed from my credit report. I have enclosed a copy of my credit report highlighting the specific inquiries in question for your convenience. 

I understand that the Fair Credit Reporting Act ( FCRA ) grants consumers the right to dispute inaccurate or unauthorized information on their credit reports. I believe these inquiries fall under that category, and I kindly ask for your cooperation in rectifying this matter promptly. 

If necessary, I am willing to provide any additional information or documentation that may be required to facilitate the removal of these inquiries. I appreciate your attention to this matter. 

Please respond to this request within the timeframe specified by law, which is typically 3 business days. I trust that you will handle this matter with the utmost professionalism and expediency. 

Thank you for your time and attention. I look forward to a favorable resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: OH
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:
A small claims lawsuit has been filed by XXXX XXXX XXXX against XXXX, XXXX, and Experian credit bureaus. The lawsuit alleges that these credit services have been reporting inaccurate information, compromising XXXX XXXX XXXXXXXX XXXX  credit profile due to fraud. Despite multiple notifications to the credit services, the necessary corrections have not been made. This notice serves as an attempt to settle the issue of the misreported information. Failure to update the credit profile appropriately may result in the continuation of the lawsuit to seek damages from all three credit bureaus. This letter provides an opportunity to rectify the errors, and it will also be presented as evidence in the lawsuit. Thank you. 

accounts 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 2023-07-21
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: Account information incorrect

Complaint:
Equafax credit bureau is reporting 2 collection charges on my credit report. Ive disputed the issue and they have said it is valid. I have asked for a signed agreement or contract that shows these debts are valid with the company reporting it and that these debts are tied to me. The collection agencies keep on sending old invoices and thats not an agreement.

Company response to consumer: Closed with explanation