BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/23 I called Synchrony bank in order to close my IRA CD with low interest rate, willing to accept early withdrawal penalty in order to open brand new Synchrony IRA CD with double the interest. I asked to move the balance from closed CD to this new CD. Representative advised me that it may take 5-7 business days. New IRA CD was opened right away that same day. Up to now Synchrony bank website lists it as Not Funded. 
I called back three times since then to get an update on closing old CD and transferring funds to the new CD. 
Representatives kept telling me that this is internal transfer and it should not take that long. They talked to their supervisor and assure me that they will expedite the closing and transferring process. 
As of XX/XX/23 it has been 20 business days and still nothing is complete. New CD practically lost one month of higher interest. I feel that I have absolutely no control over my retirement money. At this point I cant close my CD, I cant move my funds to a different financial institution even if I wanted too. It looks like Synchrony bank keeps my money hostage keeping them at low undesirable interest rate. Ive been their customer for longer than 10 years. I have done similar transactions at other banks, and the process was practically immediate. I cant find any explanation why this relatively simple process takes so long. 
I need outside help with resolving this issue, because I have exhausted my options. 
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 monetary relief
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.

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 2023-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 been trying to dispute fraudulent information on my credit report for months The accounts were opened in result of fraud The Fair Credit Reporting Act mandates that all credit bureaus report only valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. They are not cooperating with me at all. 

Several attempts to verify and dispute fraudulent information on my credit report have been unsuccessful. The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my 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 2020-02-18
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:
XXXX XXXX card services refuses to submit an " electronic request to remove inquiry '' from my credit report. They keep telling me they are still investigating this matter. I spoke to a supervisor XX/XX/XXXX and she assured me they will alert the credit agency that the inquiry was fraud so that the inquiry would taken off. Well it's now XX/XX/XXXX and the inquiry is still there and my credit score has gone down 14 points due to 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to file a formal complaint against the 3 Credit Bureaus , a credit reporting agency that has reported new collection accounts, late closures, charge-offs, repossession and inaccurate personal information entries on my credit report. I believe the account 's information is inaccurate or unfair, such as incorrect account statuses, wrong dates, or any other discrepancies. I had attached copies of supporting documents that support my claim that the reported account information is inaccurate or unfair. These documents may include payment records, correspondence with the creditors, repossession records, and any other relevant evidence. I have previously disputed these inaccuracies with the credit reporting agency or the creditors. I believe that the inaccuracies and unfair account 's information on my credit report are causing significant harm to my creditworthiness and financial well-being. I kindly request that the CFPB investigates this matter and takes the necessary steps to ensure the accuracy and fairness of my credit report. The following fraudulent accounts and inaccurate personal information in question and needs to be removed are as follows : XXXX XXXX XXXX XXXX XXXX  TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2200.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$6800.00} XXXX XXXX XXXX XXXX XXXX XXXX  : {$2200.00} XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.

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 2023-01-20
Company: EQUIFAX, INC.
State: MD
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 WAS LOOKING AT MY CREDIT AT I SEE THAT I HAVE FRAUD ACCOUNTS ON MY FILE AND I CONTACT THE CREDIT COMPANYS AND ITS STILL NOT UPDATE YET

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
in XXXX, 2023, i ordered a blender from XXXX. the total charge was approximately {$180.00} and change. the item i received had been opened and used. it was dirty and had fingerprints on it. i contacted the company who sent me a return label and said they'd send out a replacement immediately. i followed their instructions and returned the used blender, and heard nothing from the company for weeks. my followup emails were ignored. i contacted them the last week of XXXX to tell them not to send a replacement unit, to just refund me for the unit i had returned, and received an automated message back that my email address was unauthorized and my email had been blocked. the company kept my money. when i try to click the link to view the return label with the tracking information, it says it's invalid, so i can no longer view it. I'm certain they have access to it but they won't respond to me. i followed up with my bank and gave them all the details. yesterday, XXXX, i received an email from my bank asking to send more information by XXXX or my claim would be denied. i wrote back immediately asking what additional information they needed from me because i didn't understand what to send. they did not respond. this morning, i received an email that they denied my claim and so the company is keeping my money, which they essentially stole, since they have the defective blender back and never sent me a replacement and have ignored my countless messages. they have no phone number. when i tried to file a complaint with the better business bureau using their claimed address, i was told it's not a permanent address and that the company doesn't have a permanent presence in their state. i have absolutely no idea what to do but XXXX stole my money and my bank won't help. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2020-02-18
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
MY CREDIT SCORE SHOULD HAVE LEAPED 82 POINT BASED UPON AN ACCOUNT FROM XXXX BEING UPDATED YET MY FICO DOES NOT REFLECT THAT UPDATE, MY FICO SCORE HAS NOT BEEN UPDATED PROPERLY VIA XXXX XXXX AND EQUIFAX, I HAVE APPLIED FOR CREDIT AFTER I PULLED MY REPORTS ON XXXX XXXX XXXX YET WHEN I WEN TO THE CAR DEALER MY FICO SCORE WAS 60 POINT LOWER AS IF THE ACCOUNTS WHERE NOT UP TO DATE. I CALLED BOTH BUREAS THE ADVISED ME TO CONTACT THE FICO.COM YET I CAN'T AFFORD TO PAY FOR FICO.COM WHEN I SHOULD NOT HAVE TO IT'S THERE RESPONSIBILITY TO REPORT ACCURATELY MY ACTUAL FICO SCORE. I HAVE AN APP WITH A LAWYER XX/XX/XXXX TO DISCUSS HOW MUCH CREDIT I HAVE LOST, THE INTEREST RATES OFFERED BASED UPON THE INCORRECT FICO SCORES AND POSSIBLY SUIT FOR DAMAGES. THEY'RE VIOLATING MY CONSUMER FINANCE RIGHTS BY REFUSING TO UPDATE MY FICO SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was affected by overdraft fees that weren't legitimate causing a domino effect for several bills that were due at the time. I feel like I am included in the settlement payment from the Wells Fargo 2023 lawsuit

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 2021-03-02
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a home loan through XXXX bank. On XX/XX/2021 I was informed that XXXX will be handling the servicing of my mortgage with further details to come. On XX/XX/XXXX the loan was transferred. I was told I could go to the website and get all details about the new set up. However, I was unable to access the website and I am still unable to access the website. I was informed over the phone that the reason is that I live overseas and the website is blocked. 
This is more than a minor inconvenience as XXXX XXXX has designed customer interaction with their product to be through the website. Going forward I do not know how I will be able to get information about my loan and ensure payments have processed. 
There is a phone number that can be dialed but there are long wait times and I have to pay long distance charges. Additionally, as I live overseas the time zone differences make placing a call challenging. 
I was told that this is done for security reasons but I do not understand why that is because I can access all of my other financial institutions from overseas. I do not see how this is sustainable for me in the long term and as this is a mortgage I do not see where I have an alternative as it is not easy to switch this over to some other company. I feel that I am at risk of having problems with this mortgage if I can not access the website. When I initially engaged with this product I did have overseas access and I no longer have that access. I would have never selected a mortgage that did not allow me to access it from overseas.

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 2023-03-16
Company: EQUIFAX, INC.
State: WA
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 in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Consumer complaint received 2022-03-03
Company: EQUIFAX, INC.
State: MI
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 reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned item lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, is the item they failed to verify : XXXX XXXX XXXX Balance : {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I have requested a credit line extension with the GM card from Capital One. I requested an extension in XX/XX/XXXX and was told that credit line increases are not available at this time upon request for this type of account. I requested another extension on XX/XX/XXXX and received the same response. After calling customer service I was told that Capital One has automated their system for credit line increases, however the system does not interface with GM cards. The senior account representative was in no way helpful. I was told that there is no way to manually approve credit line increases, there is no projected date when the automated system will work, that I should keep applying in the future in case the system starts working, and that Capital One will not let its customers know when the system does start working. In short, their customers should keep applying for credit line increases in case the system starts working, but they do not tell their customers that it impossible to be approved. Nor do they have any plans notify their customers if/when the system does start working.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Credit Karma, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been trying to access credit karma, and use my credit for lively things. However, im always met with a block on my information. I can not see my credit score, apply for a card, or open a phone bill. Ive called a few bureaus in the past but im not sure what the issue is. I have moved apartments, that may be significant. Im really trying to get to the bottom of the issue because its inconveniencing my future. I do not know who to call or ask to fix this issue but it has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX   XXXX {$250.00} XXXX XXXX {$130.00} XXXX  XXXX {$60.00} XXXX  XXXX {$73.00} XXXX   XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX   XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} COLLECTIONS XXXX {$49.00} XXXX   XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX   XXXX {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Every time I try to make a purchase with the card it declines and says that the bank issuer refused the payment and it says there is an error. It keeps saying to update the payment method. It says an unknown error has occurred

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 2023-04-21
Company: Opportunity Financial, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XX/XX/2022 I was approved for the loan of {$2000.00}. The interest rate is 160.14 % and as I pay, the loan amount continues to increase and is now totaling {$2600.00} regardless of payments I have made. I was charged every pay day for this loan. I missed payments and it is now with a debt collector who insistently contacts me via phone call as well as email. I have XXXX XXXX children that this is greatly effecting. I have contacted the company multiple times to see how to decrease the loan-and there are no options. The loan balance continues to increase and adversely impact my credit. In my research, the interest rate that they approved me with is intentionally predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
USAA keeps rejecting my payments even though I have money in my account to cover my payments. Then they charge me XXXX XXXX for each rejected payment. They charged me XXXX in rejected payments, even though I have money in there for my payments. this is nuts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief