BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-20
Company: ALLY FINANCIAL INC.
State: GA
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:
Hi, Im authorizing this complaint on my own behalf. I am writing to express my extreme frustration with the lack of response FROM XXXX regarding my report investigation into discrepancies on my credit report. I cant believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter and it has been more than 60 days outlining the issues.. I need these accounts deleted. These are the items Im demanding to be deleted immediately : - XXXX XXXX XXXX XXXX XXXX XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 would like to let you know that I found wrong and incorrect information in my credit report. These accounts that I mentioned in my complain report are not mine. Its pure identity theft, I think someone just used my personal information or I just became a victim of identity theft. I do not recognize these accounts absolutely. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

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 2022-11-23
Company: Factor Trust
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: Personal information incorrect

Complaint:
I applied for a debt consolidation loan with XXXX and I was told I was denied using information from FactorTrust and XXXX. I accessed my FactorTrust report and NOTHING on this report is accurate at all. Every single entry on this report is dated XX/XX/XXXX which is extremely odd. This report shows two inquiries on XX/XX/XXXX from XXXX initiated by me that I did not initiate - I have not applied for or initiated anything with XXXX. My drivers license number is wrong. My employer is wrong. None of my positive credit history shows. My entire bank account number is shown and on display. My payment history is completely blank. All the information under account review is incorrect and inaccurate I did not iniate any of these. My home and work phone numbers are incorrect. Under additional information it shows all info received on the same day XX/XX/XXXX and none of the information is correct. This report shows no bankruptcy yet I have been disputing two bankruptcy entries on my XXXX report for over a year. XXXX XXXX removed the information due to inaccuracies and the complaint I filed XXXX the CFPB yet XXXX refues. I was denied a loan I need due to all the misinformation provided by XXXX and FactorTrust. It also has my name listed as " XXXX XXXX '' instead of XXXX XXXX. The bankruptcies shown filed XX/XX/XXXX and XX/XX/XXXX ARE NOT MINE. XXXX XXXX removed them due to conflicting information from the XXXX screens I paid for to access you can see the address on those bankruptcies is NOT mine and that address is not on my credit file and is not the same as the bankruptcy I did file that was discharged in XXXX. If XXXX refuses to remove I demand under 15 U.S Code 1006.34 that XXXX explains to me how they are validating these public entries on my credit file with the misinformation from XXXX and XXXX removal. If XXXX is the parent company of FactorTrust why do they have different information for me on their files.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I already have a complaint in about this company, and I thought it was resolved. After I submitted the CFPB complaint, Mr. Cooper sent me a Complaint Resolution Letter, stating " There is an outstanding balance of escrow advances in the amount of {$10000.00}. Once all of these criteria are met, we will be able to submit a formal review to remove the taxes from escrow ''. A check was sent to Mr. Cooper in the amount of {$10000.00} for the outstanding escrow balance that was due to them, which they have received. I was just sent a letter from Mr. Cooper dated XX/XX/2020, stating my mortgage payment is currently past due for XX/XX/2020 and is due for all payments from and including that date. As of XX/XX/2020, this letter states I owe {$8400.00} to cure the default. This is absolutely incorrect. I have made the same mortgage payment of {$2000.00} every month since I owned the home. Effective XX/XX/2020, my mortgage payment is {$2000.00}, which is what was paid. This company has been paid back the past due escrow that was paid out on my behalf and I was making my monthly mortgage payments ( minus escrow ) the entire time I've been here. There is no way I owe this money as I was not even responsible for property taxes in XXXX - XX/XX/2020. I am a XXXX XXXX service connected veteran and this is taking a huge toll on my mental health and something needs to be done to correct this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I purchased a sleep number bed in XXXX of XXXX at the time of the purchase i entered into a purchase arrangement which provided three year financing at 0 % interest ; which was provided by Synchrony Bank . I paid {$200.00} to Synchrony and then set up my checking account for auto-pay so that the specific monthly payments could be deducted from my banking account by Synchrony. Instead of deducting the monthly payment amount, Synchrony deducted the full purchase price, {$4600.00}, from my account. ( this was NOT what i agreed to ). Since then, i have had multiple conversations with Synchrony in which they indicate that in fact it was an error on their end and they would be sending me a refund check. To this day, no refund check has been received by me, although they claim that a check had been issued XX/XX/XXXX, ( this was after three months of monthly multiple hour long calls ) Today, XXXX i again called Synchrony and now i am being told they have to " investigate '' what might have happened, as they cant confirm that i didnt cash the check? Really,?!! i would be concerned about their banking systems if they couldnt immediately see that a check they had written almost a month ago had or had not been cashed. without needing an investigation. So, here again, i still dont have my refund and now they dont know when i will since they dont know how long their " investigation '' will take. If i had in fact deposited the check, by claiming that i hadn't, i would be committing fraud. I find their ongoing stories and lack of refunding me money which i am owed for several months is something a regulatory agency should be aware of. Shows to me that they dont have a good handle on how they handle payments and/or they are trying to hold onto my money as long as possible without paying me interest. It should not take this much effort to receive a refund which i have been due for several months. And its surprising that the statements dont get " lost in the mail '' but their refund check does. Something doesnt seem right.

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 2019-01-30
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had a sopite open with CITIBANK XX/XX/XXXX for 4 transactions by the same person. {$110.00}, {$300.00}, {$280.00} and {$50.00}. 

I complained to CFPB about Citibank closing my case due to not having documents when I have transaction verification report proof I sent it. 

I closed my account at CITIBANK due to money being taken out constantly. 

On XX/XX/XXXX I received 3 checks from CITIBANK in the mail : {$110.00}, {$300.00} and {$280.00}. I called the response unit regarding this and they still until this day havent gotten back to me. I called Citibank DISPUTE center regarding this on XX/XX/XXXX to ask if this is PROVISIONAL or PERMNANET because I did not want to cash it if it was provisional. 

On a recorded line XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, it was safe to put it into my bank and that the case was closed. 

On XX/XX/XXXX at XXXX I was told this was PERMANENT and not provisional, they got the money back from the merchant and the case is closed. I reiterated IS IT SAFE TO CASH OR WILL IT BE TAKEN AWAY? He said no, it is permanent and go ahead and cash. 

So I went ahead and cashed it. 

Today XX/XX/XXXX I received another {$300.00} check in the mail so I called CITIBANK to ask what this is for because I had already received my money and was this for something else ... they couldnt figure it out but told me that the money I got via check that i was told by multiple people that it was PERMANENT not PROVISIONAL ; that it was in fact provisional credit and not permanent ... that my case is still being investigated and the money can be reversed ... 


On recorded lines with CITIBANK DISPUTE, I was told this money was permanent and safe to spend/use and that my case was closed ... 

On a recorded line from MULTIPLE sources I was told the same thing and now its false information ... 

I am very upset and wanting to bring a lawyer into this as I was given misleading information on a recorded line and no one has done anything about 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 monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. Someone has used my personal information to obtain loans and credit cards from STUDENT LOANS. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: General Motors Financial Company, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of t
his title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX   XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On my XXXX and XXXX XXXX credit report I have XXXX XXXX XXXX  stating that I still XXXX from a voluntary car repo where they eventually sold car and the statutes of limitation has now been over 7 years. It has cause me great stress with having this improperly remaining on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-17
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2020-12-17
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Hi my Coinbase account and Coinbase wallet hasnt worked properly since day two that it started and I have emailed and tried calling 5 times leaving messages because they promise to call you back but never have Its been 5 days and nights and I cant get my money into my Coinbase card which means its stuck in Coinbase wallet and I could lose it all if the funds crash as they often do I only get an email saying oh were dealing with it and will contact you immediately but 5 days and nights no help no support at al Its very unprofessional but ile bet big players are getting their money ok

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a call from XXXX XXXX from XXXX XXXX XXXX ( XXXX ) XXXX on XX/XX/XXXX regarding an account. The account was supposedly a payday loan from XX/XX/XXXX that I did not pay back. However, I have paid back in full all prior payday loan accounts. They could not tell me where the loan originated but they said I could pay them installments of {$590.00} or a lump sum of {$920.00}. I told them I dispute the claim and they said okay, then hung up. They did have my phone number, last 4 of my SSN and my current address. It seems like they obtained information from a previous loan that was paid in full, then tried to claim it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: BARCLAYS BANK DELAWARE
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:
Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.

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 2023-08-02
Company: EQUIFAX, INC.
State: FL
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:
XX/XX/23 I have filed an electronic dispute with XXXX, Equifax, and XXXX XXXX for an auto loan account named XXXX ( XXXX XXXX XXXX  ). They have this same car loan on my credit report with XXXX XXXX which is legitimate.This non action and indifference is being performed in collusion with a group of informants and federal agents as a synthetic identity theft. This has negatively affected my credit line and score deliberately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting Act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX. Acct # : XXXX Account Name : XXXX XXXX XXXX Acct # : XXXX Account Name : XXXX XXXX XXXX XXXX Acct # : XXXX XXXX5 U.S.C. 1681 Section 602 A : States I have a right to privacy.

15 U.S.C. 1681 Section 604 a Section 2 : It also states a consumer reporting agency can not furnish an account with 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 adverse item of information, other than records 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 cause to believe that the information is inaccurate.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Was not notified of investigation status or results

Complaint:
I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX  XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXXNot Mine Delete/remove from my credit file.

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