BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX My first purchase was with sales associate XXXX my order number was # XXXX in the amount of {$1900.00}. I paid {$260.00} leaving a balance to finance of {$1600.00}. 
Then I went to the other side of the store to XXXX XXXX XXXX XXXX and the sales associate was XXXX my order number was # XXXX in the amount of {$3000.00} On XX/XX/XXXX XXXX XXXX XXXX charged my account {$1500.00} and I hadnt been in the store to purchase anything since XX/XX/XXXX. I have been working with XXXX XXXX XXXX since XXXX when I saw my statement to get this resolved and it has not been resolved as of XX/XX/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 monetary relief
Consumer complaint received 2023-11-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for a Rooms to Go credit card. Was approved for 0 % interest for 24 months. When I looked at the breakdown of my payments because the balance was not reduced by payment amounts. It turns out they have been applying a big portion of my payment to some payment card security. My 1st payment I paid {$150.00} and {$54.00} of my payment was applied to payment card security. Apparently its a percentage of my balance because every month its a few dollars less being applied to this security card. When I called they offered to cancel but, said they couldnt retro to date of inception because I supposedly checked it off when I applied on line in XX/XX/2023. Which is not the case but, if I did it was unknowingly and must have been hidden in the fine print is my guess. This is not something I would have purchased as this would defeat the purpose of me taking advantage of the 24 months interest free promotion.

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 2021-04-16
Company: Experian Information Solutions 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:
This is my SECOND DISPUTE regarding the same accounts that are fraudulent and does not belong to me and still showing on my credit reports The accounts need to be deleted from my credit report immediately. Once again this is affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the fair credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Accounts listed below : - XXXX  XXXX XXXX # XXXX -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

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 2022-03-08
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification and a file was completed 37 days before the sale date. A representative from Rushmore took a personal interest which was negative and denied the file while we were on the phone with him. He was stating there was one item missing. We called back the same day and sent the document to a supervisor who stated the file never should have been closed and she would try to reopened it, which she was unable to do. The representative who denied the file is XXXX XXXX XXXX he was very rude and denied the modification stating we were under 37 days, although this was not true it was day XXXX. We then filed a complaint against representative. The supervisor stated they will call me back to let me know if XXXX supervisor will reopen file and stated it was denied in error. Our complaint also stated to remove XXXX XXXX from the file. He was no removed. We went to court to have the court move the sale date which was approved and we submitted the loan modification a second time. XXXX XXXX failed to even open the file until after the 37 day rule had passed, making us ineligible for a review. This is unfair how one representative with a bad attitude and a need to hurt others should be allowed to make a decision that no one can fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
I didn't give this company permission to run 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 2023-06-22
Company: ALLY FINANCIAL INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted Ally financial and XXXX XXXX XXXX XXXX and they have not cooperated with providing me with a letter to remove the hard inquiries that are on my consumer report. I explained to them that I did not give them any authorization to run my credit and they denied not having to provide me with a letter to submit to the credit bureaus for me to dispute these inquiries. 


XX/XX/23

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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 paid XXXX dollars to XXXX XXXX XXXX XXXX to reduce balance and to have a better score through credit utilization rate of XXXX ( XXXX XXXX XXXX XXXX ). XXXX updated this information in the system but CFNA did not provide updated information to three credit bureaus.

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 2022-05-13
Company: CCS Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never had an account with XXXX XXXX. I called the company and they told me that they show no record that an account had ever been sent to collections by XXXX XXXX. Even then, I have never had an account or requested service from XXXX XXXX. I called and they could not even provide me with my social security number. When I contacted Credit Collection Services, the collection agency that is reporting the item under my name, confirm that they have no social security number on file. 
Someone that knows me, may have used my information, or it may be an account for someone that may have a similar name. I am not sure. 
I am requesting your help and have Credit Collection Services remove this inaccurate tradeline immediately. I understand that by law the account would be removed from credit regardless by XX/XX/2022, nevertheless, it is not fear that I need to wait on this inaccuracy to be deleted from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
in accordance to the Fair Credit Reporting Act and XXXX account number XXXX has violated my rights. 

15 U.S.C 1681 Section 602 S states that I have the rights to privacy 13 U.S.C 1681 Section 604 H section 2 it also states that a consumer can not premise my account without my written instructions.

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 2020-06-09
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Disputed Ally financial. No proof was sent to me for verification. Account not verified with my signature or a contract. Outdated and needs to be removed from all 3 credit agencies.

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 2021-10-04
Company: CITIBANK, N.A.
State: OH
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:
This situation has been ongoing since last year when Citi closed my credit card account for no reason. That's fine. But then Citi increased my minimum payments from {$60.00} per month to {$330.00} per month. Then citi refused to accept my payments and cash my checks. Citi has to date never cashed my check or accepted my {$330.00} payment from XX/XX/2020. I refuse to continue sending in checks that Citi will not cash or process. In addition, even though this account is in ongoing dispute, Citi has proceeded to mark the account delinquent and send through the collections process. I received a letter from Citi offering to settle the account for {$1200.00}. I called Citi and accepted their offer. They told me never mind it was rescinded and sent the account to collections and marked my credit report as delinquent and late although Citi refuses to cash the payments I have submitted. At this point it is clear that Citi has no interest in ever resolving this matter, Citi has no interest in accepting my money or payments, and Citi 's only goal here is to ruin my credit and attempt to mark my account as unpaid and overdue even though they are the ones refusing to accept my payments and cash my checks.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these ERRONEOUS ACCOUNTS from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any accounts listed below. Once again HERE ARE THE LIST OF ACCOUNTS THAT I WANTED TO REMOVE! 
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 2020-06-09
Company: Sequium Asset Solutions, LLC
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
For the past two months I have been Calling Sequim Asset Solutions to get my balance and they always state its at {$0.00} but when a credit bureau is asking them to report I have an open balance. I have called every other week to confirm this and their recorded calls have it all I have also asked for a letter to be sent to me proving that Im zeroed and they say its a 24 hr process that needs to be approved by a supervisor but I have nit received one and I've asked three times that way I can send it to the bureau with my dispute but still nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I 'm trying to use a payday app,   XXXX   XXXX  , and it is showing that I have a negative balance when I just got paid. It says that my bank, State Employees Credit Union, is not sending my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: CHECK INTO CASH INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My credit report reflects a payday loan taken out in the amount of XXXX at chechintocash in XXXX XXXX.This is not my loan.I sold my house in XXXX of XXXX and had plenty of money in the bank with no need for any payday loan.I disputed with the credit bureaus and they have not removed it. 

In addition thier is also a payday loan on credit report for speedycash in the amount of XXXX from XXXX this is also not mine and I have disputed with credit bureau 's in which it has not been removed. 
I cant get a hold of anyone at the credit bureau 's and will not deal with any payday loan people.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARG XXXX US DEPTARMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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 2023-06-23
Company: Global Lending Services LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This debt with Global Lending Services, 3rd party creditor, and original contractor XXXX XXXX XXXX in XXXX, Oklahoma. The original dealership sold my contract without proper disclosure. I had my car seized without proper cause. I tried to remedy and the " creditor '' stated they would contact me within 48 hours. Instead the car was reposted within 48 hours without notice. The tow truck driver pushed me, kicked the car door shut, drove away without allowing me to get personal essentials within the vehicle. Payment remittance was sent to pay any outstanding balances. The " creditor '' said sorry we did not get. I am a XXXX XXXX XXXX and the SOCIAL SECURITY NUMBER was demanded 5 times by phone on XX/XX/2023. My consumer statement supplies information to remedy their violations. {$2000.00} per violation. I am a traveler not a commercial driver. I also requested ARBITRATION under the Arbitration Clause but denied as per contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Maximus Education, LLC dba Aidvantage
State: TX
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # DEPT OF ED/XXXX Account number XXXX Account name : DEPT OF ED/XXXX Account number : XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name DEPT OF ED/XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX SELF-REPORTED Account number XXXX Account name XXXX SELF-REPORTED Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXXXXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 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 a 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 to any 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 2023-06-23
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

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: 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 am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after 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