BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The credit card company stated they tried to withdraw the money for a payment on 4 occasions and the bank refused to pay ( insufficient funds ). The bank claims they never contacted them. I finally mailed a cashiers check to Barclay 's Bank which they received and cashed ( copy attached ) on XXXX XXXX. To date they have not credited my account. I have complained several times but their customer service only says they " will investigate ''. 

My credit rating has been affected by their sloppy practices. This has been going on since XX/XX/2022. 

See cashed check and reconcilliation attached.

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 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/21, Bank of America made a business decision after I logged onto my BoFa app. Bofa placed an XXXX code with a deduction of {$880000.00}. I contacted customer service at XXXX ( XXXX ) XXXX, to which they informed that they made a business decision to close down my account. When I inquired as to why they were closing my account, they stated that because I received a one time transfer of {$2600.00} on XX/XX/21 from EDD wire transfer that they flagged my account as fraud. Additionally, they stated that the one time transfer made to my account had be the primary senders account number. There is no policy or any information from Bofa EDD, that states that you cant transfer money to the recipient unless it is your primary account holder. Based on the information listed below as stated on Edd.ca.gov ( see edd.ca.gov one time transfer ). The primary sender has to contact Bofa Edd for a one time transfer and provide them with my account information. Yet, I am being penalized for receiving funds from a extended family member when I have been a bofa customer for the last 12 years. Bofa had access to senders account and still allowed the one time transfer to be transferred to my account, yet I am being penalized. I am an XXXX XXXX worker and Bofa is not allowing me access to my funds to pay bills and states that I will receive a check in 5-10 business days. Please review this matter, as I am an XXXX XXXX and my account should not be closed down based on fraud, just because I received a one time Edd transfer.

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 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2022-12-27
Company: SYNCHRONY FINANCIAL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
About XXXX  yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to Ohio from Texas ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a Walmart accout ( they sold the account to XXXX XXXXXXXX, who sold the account to Synchrony Bank, ( account ending in. # XXXX, ) XXXX XXXX  has the account listed as Walmart/XXXX  XXXX, but all payments are made to Synchrony Bank and are up to regular agreed upon amount. 
Synchrony bank is also being paid for account ending XXXX listed as Synchrony bank/ Sams and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the Walmart and Sams account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So synchrony bank has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T Synchrony refusal to show the account as being paid on. 
Now. I have contacted XXXX and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with synchrony. Please help me fix this.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 an hard inquiry that is on my credit report that was from fraud. As a result I did a freeze on my TransUnion credit profile on XXXX XXXX. I called TransUnion to explain to them that I did not authorize or apply for any new credit. TransUnion told me that the inquire had to stay on my credit report for up to 2 years. 
The inquiries that was as a result from fraud is as follow : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 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 2019-12-05
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Thia is a loan credit of XXXX as second mortgage, we couldn't make the payments, now my house has equity and the SLS wants to foreclosure my home, I have been make the payment in the first mortgage that is current, the ba, ace is about 390,000,  I have trying to set up a re-payment plan but the said I do not qualify, if not fear that the second wants me foreclosure and the first is a lot more money that I owe them, I want resolve this off course I want to make affordable payments to the second. I'm willing to set up an affordable re-payment plan.

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 2023-07-06
Company: WELLS FARGO & COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/23 XXXX Payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment from Wells Fargo to XXXX returned, XX/XX/23 XXXX payment Wells Fargo to XXXX returned XX/XX/23 XXXX payment returned from Wells Fargo to XXXX returned XX/XX/23 another XXXX payment from Wells Fargo to XXXX returned XX/XX/23 XXXX payment from Wells Fargo to XXXX returned all these payments were returned wen they payee had already received funds to pay these bills and they were paid and settled Wells Fargo allowed this customer to do a chargeback/return on all of my payments wen they had already rightfully been paid for months Wells Fargo has allowed there consumer to dispute all of these charges as if they were fraudulent but they werent resulting in all my funds being completely taken after given to there consumer to pay bills which they were paid Wells Fargo allowed them to return all the payments that can see have been paid for months and months this is not legal to allow someone to just dispute any random charge they have already been authorizing for months

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 2023-02-28
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a car through regional acceptance bank. It was totaled in a car accident. The insurance paid the car off. They stated I owed them XXXX. I paid the balance. The never updated my credit report. That Debt is well over 7 years old. It needs to be removed from my credit.

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 2023-02-23
Company: WELLS FARGO & COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Wells Fargo charges me a higher interest rate than agreed too. I have had an auto loan with them since 2020. They also just settled on a lawsuits for the interest rates and other illegal fees they have charged their customers.

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 2019-12-06
Company: JPMORGAN CHASE & CO.
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX  XXXX XXXX inquiry on XX/XX/XXXX JP Morgan Chase card services inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: SANTANDER HOLDINGS USA, 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: Account information incorrect

Complaint:
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SANTANDER ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Experian Information Solutions Inc.
State: VA
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:
I have asked Experian credit report to provide me a report to verify the accounts with my signed copy of the original contracts and they have not been able to provide me that information. And they have not taken those accounts off of my report that is damaging to my credit. Under the law, they are to comply to my request.

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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Experian Information Solutions 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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX XXXX Experian XXXX XXXX has not answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check payment history, date open, last activity, and Status of XXXX XXXXXXXX XXXX  XXXX. I believe it was reported in error. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}

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 2023-04-26
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was repossessed in XXXX of XXXX I live in the state of Maryland and in the state of Maryland there's a reinstatement law where the loan company must offer you your vehicle back for the balance old including all fees I received my vehicle back and XXXX of XXXX paying all of the balance that was old and all fees down to XXXX to receive my call back after I receive my call back I was told that they were other fees that were not paid during the time that I did not have the car and that they were late fees for the car payments I do not understand how you have to pay a balance down to XXXX to get your vehicle back if the late fees are not included in XXXX of XXXX I made a payment of {$1500.00} to my loan company to catch up and pay extra months I was then notified about the fees when I noticed that my bill was due before it should have been due after I paid {$1500.00}

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 monetary relief
Consumer complaint received 2021-07-26
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:
I am requesting again that these items be deleted from my credit report. I have called and spoke with a rude representative that would not let me explain the situation and kept cutting me off. Please remove the information attached to this identity theft 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 non-monetary relief
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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.

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 2020-02-17
Company: Experian Information Solutions 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:
I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following NOT Metro 2 compliant accounts should be removed : Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account XXXX XXXX Creditor XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX   Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2022-10-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I have sent EXPERIAN a certified letter to try to get this matter resolved under tracking # XXXX. The letter has been received. 

There are 4 accounts being furnished under my consumer report which are : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 usc 1681- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other : ( 2 ) In accordance with the written instructions of the consumer of whom it relates. 

I XXXX XXXX, the consumer have never given EXPERIAN any written consent to report/furnish anything on my consumer report. No consent is Identity theft. 

This is a direct violation by your company.

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 2023-02-02
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate 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 investigated and corrected : 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 response to consumer: Closed with explanation