BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/2018, I called in to close my XXXX XXXX XXXX XXXX card as the annual fee had come due and I was not interested in keeping the card open for another year. The account was closed with no problem. I received an e-mail on XX/XX/2018 stating that not only did I have a past due balance but that I had been charged interested on the annual fee. I called on XX/XX/2018 to resolve the issue and was told that even though I closed the account they were still going to charge the annual fee and were still expecting me to pay this. This makes no sense to me as I shouldn't have to pay a fee for an account that I no longer have open. Additionally, Synchrony is no longer running the XXXX XXXX XXXX XXXX card program AT ALL after XX/XX/2018 anyway so there wouldn't even be a full year to use the card.

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 2023-08-04
Company: Experian Information Solutions 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:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$6500.00} XXXX  XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$6500.00}

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 2023-08-11
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XXXX  15 U.S.C, 1681section 602 A. States I have the 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 without 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 other adverse item of information, other than records of convictions 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: ALLY FINANCIAL INC.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my acct last wed the XXXX of XXXX using my proceeds from my mother 's life insurance. It was deposited into the acct on XXXX the XXXX of XXXX. Friday XXXX XXXX I saw my online app was locked so I called them and they are very rude tellin me that my acct is under investigation and will not tell me where my money is or how I can access it. One boy told me that the chk hadn't cleared which yes I waited for it to do so. And then the next told me " how am I so dependent on an acct that has been open less then 10 days '' I said excuse me that's none of your buisness. And nobody will tell me where my money is. I feel like it's bein stolen! Its alot of money and very upsetting because it was from my mother 's death! I opened the acct with Ally bank

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 2023-02-01
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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 have been trying to fix this credit error for over six months with no response from the credit bureau. I have requested multiple times for this account to be validated or removed. 

{$980.00} Open balance XXXX XXXX XXXX XXXX XXXX  A Original creditor XXXX Opened XX/XX/2020 ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name 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 2017-03-28
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I 've had an on going problem with my checking account recently. First off, I had trouble with my insurance lady to try and cancel my auto payments. She said she did, she did not. Payment still went through, overdrew my account. I filed a dispute and instead of the insurance company putting the money back in my account, they sent me a check. In the mean time, the bank just kept racking up the overdraft fees after saying they all would be taken care of after the dispute. Now, weeks later I am still without a bank. Negative over XXXX in overdraft fees which I ca n't pay and when I call to explain, they ask if there 's anything I can do about that? I filed a dispute. They said they never got forms which I never got In the mail and closed my case. I went into the back and talked to a guy and he faxed a new case over, they mailed it back to me to fill out my account number, and send it back so I did that. Then I get a letter saying they never got the form again and closed my case again. Please help. I do really like Huntington bank. Now that the locations have more than doubled it 's been more than convenient. And if they close my account, it will be more than inconvenience to find a new bank. Thank you for your time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-04
Company: Experian Information Solutions Inc.
State: NC
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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-04
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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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.XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-07-10
Company: CITIBANK, N.A.
State: AZ
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 am a Citibank cardholder ( 2 separate cards ). I inquired via a chat session on the Citibank website about potentially converting my Simplicity card to an American Advantage card. The chat agent answered several questions for me and confirmed that I would be eligible for the XXXX XXXX XXXX signup bonus upon meeting a spending threshold of {$2500.00} over the first 3 months of having the card. I acitvated the Card on XX/XX/XXXX and met the spending threshold less that 2 months later. When I followed up to inquire on the status of the XXXX bonus points, I was told by an agent that there was no bonus available and the original agent had provided me with " misinformation ''. I would never have opened the new card as the terms were more advantageous on my original Simplicity card. However with the bonus offer, I was moved to switch the card.

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 2017-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I receive a message on line telling me : Capital one is blocking you from enabling external applications. I went into Bank, call the phone number providedXXXX spoke to someone who could not help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I recently opened a mortgage loan on an investment property which SHOULD'VE been under my XXXX 's credit report and not my own. My XXXX  is a XXXX XXXX where I only have 33.33 % interest into the investment property, but I acted as the signer on behalf of my XXXX when we signed the loan documents. Before signing documents, I confirmed with my loan XXXX that I was only signing on the XXXX 's behalf and that this loan would not show up on my personal credit report. I even have the loan disclosures to show that the XXXX is listed as the borrower, not my personal name. However, this mortgage loan is currently showing up on my personal credit report and I have already reached out to my loan provider to correct the issue. However, they said since it's my name on the loan documents, I have to be held responsible for the loan. They have asked me to reach out to the credit bureaus if I wanted to extend this investigation further. I have included their official response letter along with my evidence showing the formation of my XXXX XXXX which shows my interest percentage in the company, the corporate resolution document signed by the other members of the XXXX to show that I have the right to act as the signer on the XXXX 's behalf, and the loan disclosure and documents which shows that the XXXX is listed as the borrower and not myself. Furthermore, I want to make a point that this investment property and loan is signed in Arizona where state law requires that an individual must sign loan documents even if it's on behalf of the XXXX. They do not allow the XXXX  entities to be the official signer of documents.

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 2017-03-31
Company: ALLY FINANCIAL INC.
State: CT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am in bankruptcy as of XX/XX/XXXX. As such, I should be afforded all bankruptcy protection from creditors as per the automatic stay. This account is reporting that it is included in my bankruptcy, as well as is reporting me as late. My wife and I have been constantly monitoring our credit on a weekly basis during this entire bankruptcy process as my scores have a direct effect on my line of work. This reporting of lates has crushed my credit score and needs to removed ASAP. This is double hitting my credit score : once for being in bankruptcy and again for reporting me late. THIS REPORTING OF LATES IS ILLEGAL. This creditor is also reporting me late for XX/XX/XXXX when it 's XX/XX/XXXX, i.e. the month is n't even over yet!!

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 2019-07-25
Company: CORELOGIC INC
State: OH
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 request a security freeze placed on my Consumer Disclosure Report I recently discovered serious fraud and related activities on my credit report over the week.I am in the process of contacting the police and FTC. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX my SS XXXX my DOB XXXX. I am self employed the following addresses are Not mine XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2016-11-22
Company: Weinman Acquisition Group
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
XXXX from Weiman Acquisition left a voicemail claiming she worked XXXX and there is action being takin against my social. I returned the call and she said it was regarding my husband. I then proceeded to tell her that I was hus wife and asked who the other parry was that made the complaint. She said she was not able to give me that information, I work in finance and am very aware of the regulations, and yes she has to provide being I am the spouse. She claimed that he would miss a court date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Incorrect Personal information : Name should be- XXXX XXXX Address should be : XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Fl. XXXX. 
Employment should be : Student. 
Status divorced should be removed. 
Address Identification No. & accounts showing as mix match is derogatory and should be removed from my credit file. 
Problem with fraud alert or security freezes placed without my authorization should be removed. 
Showing a delinquent account when it's not. 
Account balances being reported incorrectly. 
Lenders management of accounts reporting incorrect information causing negative impact to credit files. 
Payment sent timely but showing as a late payment. My payment was sent in my correct name and address as for 8 years but account # was changed by the company and I notified them I mixed up the account number instead of contacting me they returned the payment instead of applying the payment. 
Hard inquries made without authorization : XXXX XXXX on XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXt XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX   XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XXXX. XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity XXXX CFPB remove XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank. 
I wrote a check for {$10000.00}. to XXXX XXXX in Virginia as a deposit for the purchase of a property in Virginia. We reside in California. We began to receive text and email " Fraud Alerts '' from Citibank. Citibank wanted us to push a button that said that we 'DID ' or 'DID NOT " write check # XXXX on certain day for {$10000.00}. Well, we did write a check for {$10000.00}. but the check was check # XXXX, not # XXXX. We did not want to push the button for the wrong check number, but we did not want to jeopardize the purchase of the property, because we did indeed write a check for {$10000.00}. on said day. We drove to Citibank in XXXX XXXXXXXX, California. The banker, at her desk, had us call an XXXX number. When we spoke to the Citibank Representative, she was useless and had us call another XXXX phone number for another department .... and around and around the XXXX phone numbers we were routed. No one could help us and we finally gave up. The bank representative at XXXX XXXXXXXX Citibank had us move from her desk because we were on hold for so long. 
The bankers at Citibank would not help us resolve this ; they either could not, would not, didn't have a clue as to what to do, or did not have the power to effect a resolution. 
We were floored and finally left, problem unresolved. 
I called the real estate agent in Virginia, who said ... .. " well, I dunno ... .. just push the button, I guess. '' So ..... I did. 
I don't think it was fraud, I think that the electronics picked up a 6 instead of a 5, that the electronic 'eye ' read XXXX instead of XXXX. But, shouldn't Citibank be required to intercede and resolve this check number inconsistency? 
BUT .... not one in Citibank could/ would help me resolve this! We were in the bank in- person. They could not or would not over-ride the system or communicate with the fraud unit to resolve this important matter ; all they did was tell me to call an XXXX phone number.

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 2023-08-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Paid off car loan in full and XXXX XXXXXXXX points on credit report... ..how is this right? Why am I being punished for paying off account?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Transunion reporting collection account from XXXX XXXX XXXX XXXX  for {$1100.00} I never had an account with them. This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief