BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-26
Company: ALLIANT CREDIT UNION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Alliant Car Buying Service : XXXX XXXX XXXX  They advertise a .50 % off interest rate if a car XXXX purchase is found through their service. I found a car advertised on this website and contacted the dealer as instructed through this website. I then applied for an auto loan with Alliant Credit Union and was approved on XX/XX/21. 

The loan officer working on my application - XXXX XXXX Loan Consultant XXXX p : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX NMLS : XXXX I inquired about the XXXX interest rate deduction with him with the following verbiage : ( To XXXX  : ) " I found the car through the Alliant/True Car buying service and it stated I would receive a XXXX50 discount in rate if I found my car through that service. Is that included? '' - This was sent on XX/XX/21. 

I received a response : " To receive the XXXX XXXX rate reduction you need to upload the certificate showing the dealers name and address, your name and Alliants name on the document. '' Received XX/XX/21 I replied on XX/XX/21 with the following message. 
" What type of certificate do I need to provide? Does it have a name so that I can request from dealer? '' I had no idea how to obtain the requested certificate. There were no instructions nor any assistance through the car buying process that I could find assistance with this certificate. 

I never received a response from XXXX regarding this question. 
At no point did he state I needed to provide this documentation prior to loan funding. 

Without a response, I sent a follow-up email to XXXX on XX/XX/21 : " Can you please advise specifically what you need to give me the .5 interest rate deduction for purchasing through Alliants car buying program. '' I received a response from him on XX/XX/21 stating : " You would have needed to upload the certificate from our web site before the deal funded. Since the deal has funded we can no longer accept the certificate. '' No where was this communicated to me. My additional follow-up attempts were all ignored. 

I was not given an opportunity to receive the promoted rate, nor was I treated fairly in regards to receiving all information I requested. I would like to issue this formal complaint against Alliant Credit Union for their unwillingness to honor an advertised rate given the fact that I met requirements to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In 2021 I filed a complaint with your company trying to get these incorrect negative items off

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 2021-04-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I paid my Care Credit Card balance of {$7000.00} off on XX/XX/2021. Care Credit charged me {$240.00} twice in the same month of XXXX. I contacted my bank to report fraud and they investigated and {$240.00} was reversed. In the interim, Synchrony Bank forwarded me {$240.00} ( check # XXXX ) on XX/XX/2021 and I returned same check on XX/XX/2021 ( see attached copy of check with correspondence ). 

Following are the customer care representatives I spoke with and never received any resolution : 1. XXXX on XX/XX/2021 2. XXXX on XX/XX/2021 3. XXXX on XX/XX/2021 4. XXXX, XXXX on XX/XX/2021 Lastly, when I spoke with XXXX she told me she would stop payment on check and place a -XXXX-balance on my account. To date the account is {$270.00} incorrect ( statement attached ). Following is the breakdown : {$240.00} erroneously charged, late fee of {$29.00} and interest of {$5.00}. 
I expect my account to be adjusted to show no balance ; all charges and interest removed, the credit bureaus contacted and an apology from Care Credit and Synchrony 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 monetary relief
Consumer complaint received 2023-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 sent a dispute letter to CAPITAL ONE, there is still incorrect information on my credit report that they claim is accurate. They are reporting false information and I demand this account be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Central mortgage company, I had sent in extra monies to go towards my principal. I have not missed any of my monthly payments I am on auto pay. 
XX/XX/2022 they received {$8000.00} XX/XX/2022 they received {$8000.00} XX/XX/2022 they received {$6000.00} Total of {$22000.00} has still not been applied to my account. 
I have called and had this escalated, someone calls me on a weekly basis now to tell me it's not been done yet. They also told me this has been happening to other people. 
This is not OK that they are tying up my money for so long, and they are just telling me that they are backlogged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-24
Company: CITIBANK, N.A.
State: WA
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:
The below story is regarding an incident when Macy 's retail company in error severely damaged my credit score. The situation took place in 2016 and to this day it has not been resolved. My credit score has not improved since. Please help me! I do not know what else I can do. Here are the details : Macy 's damaged my credit score by continued monthly fee charges on my account that was closed back in XX/XX/2016 (! ) via the phone. At that time Macy 's representative assured me that my account is fully paid and closed. 
Shockingly in XX/XX/2016 I received a letter from Macy 's stating that I owe hundreds of dollars! I talked to yet another representative who checked my account and assured me that it was a mistake on Macy 's part, and it will be taken care of within the next 30 days. I asked and received a written confirmation dated XX/XX/2016 ( copy is attached ). 
Early in XX/XX/2016 I discovered that nothing changed on my Macys account and my great credit score was badly damaged by Macy 's reporting of the incorrect & damaging information to the credit reporting agencies. 
In XX/XX/2016 I talked to multiple representatives at Macy 's : Customer Service, Disputes Department and other groups spending hours on the phone over the course of a few weeks. NOTHING has been done so far. The superficial fee is still there and accruing and most importantly, my credit score is still very low.

Every time I called, I had to explain this situation all over again, being transferred from a person to person, being disconnected in about half of the calls. I call again, explain again, suffer bad connection, being put on holds, calls being dropped or promised that the situation will be resolved and asked to call back in a few days. Only to repeat this vicious circle all over again. 
On XX/XX/XXXX I shared my story on XXXX and a Macys rep responded and promised to help. However, nothing has changed, and my credit score have not improved since despite my diligent payment on my utilities and other bills.

Sadly, my story in not rare. Search the internet for Macy 's Credit Card fraud/issues to see other customers stories of suffering. 

Please help me to repair my credit score. 

Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
As a loan servicer XXXX  has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using Department of Education as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for Advantage to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.

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 2021-04-26
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On around XX/XX/2021, Paypal decided to ban my account. After contacting the Consumer Finance Protection Bureau the first time, Paypal never gave me an exact reason as to why I was banned. 

The only reason why I thought I was banned was due to me putting in shipping information using my boyfriends address. I was trying to buy him a gift and put in his address/phone number so that he would get it at his home. 

After talking to them on the phone on XX/XX/2021 they never gave me an exact reason. I told them how I tried to buy my boyfriend a gift and put in his information so that he can get it shipped to his house. PayPal told me that doing this wouldnt and shouldnt have resulted in a ban. They also were being vague and didnt bother lifting my ban. This doesnt make any sense because they dont know why my account was banned and refused to lift it and find the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
Company: ROBINHOOD MARKETS INC.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have deposited approx XXXX dollars into my robinhood financial app. I am now unable to login and have submitted 15+ emails to get them to resolve this app issue. The can not be reached via phone, but only by email which they have stopped responding. I have not been able to get the SMS verification and keep getting the runaround from them. I have approx XXXX dollars invested in a crypto currency and have been losing money because I cant get into my account. I have gone thru all the steps necessary but they wont help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: Mountain Run Solutions, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Mountain Run Solutions is reporting the wrong amount owed. I contacted the collections agency in writing and by phone but could not resolve the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-20
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
ON XX/XX/2020, A LETTER FOR VALIDATION OF DEBT WAS SENT TO CREDIT BUREAU SYSTEMS , INC . ASKING FOR A BREAKDOWN OF FEES INCLUDING ANY COLLECTIONS COSTS AND MEDICAL CHARGES ON 14 DIFFERENT SUPPOSED MEDICAL DEBT ACCOUNTS, A COPY OF MY SIGNATURE WITH THE PROVIDER OF SERVICE TO RELEASE MY MEDICAL INFORMATION TO THEM, AND TO CEASE ANY CREDIT BUREAU REPORTING UNTIL THE DEBT WAS VALIDATED BY ME. AS OF THIS DATE XX/XX/2020, I WAS PROVIDED BY CREDIT BUREAU SYSTEMS , INC. AN ITEMIZED STATEMENT THAT INCLUDED ALL PROCEDURES WHICH WERE PERFORMED, INCLUDING SPECIFIC LABS WHICH IS A VIOLATION OF THE HIPAA ACT. I WAS NOT PROVIDED WITH A STATEMENT FROM THE ORIGINAL CREDITOR THAT WOULD ALLOW RELEASE OF MY MEDICAL INFORMATION TO CREDIT BUREAU SYSTEMS , INC . NOR WAS REPORTING CEASED TO ALL 3 CREDIT BUREAUS. XXXX XXXX IS THE ORIGINAL CREDITOR AND I HAVE NEVER RECEIVED A BILL FROM THIS FACILITY AND I HAVE ALWAYS HAD INSURANCE TO COVER MYSELF AND MY DEPENDENTS TO COVER ALL COSTS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2022-04-16
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Date of transaction : XX/XX/XXXX transaction for {$990.00} purchase made by XXXX XXXX XXXX XXXX XXXX XXXX ( fraudulent charge ) to card ending in XXXX. Bill received XX/XX/XXXX. Contacted Fraud Department. They stated they would check into fraudulent charges and opened new card ending in XXXX. Balance transferred {$1300.00} to new card. Owed {$310.00} of balance on previous card due to legitimate purchases which was paid on XX/XX/XXXX to pay the balance in full. XX/XX/XXXX Received statement with balance of {$990.00} to new card ending in XXXX. Called on XX/XX/XXXX and spoke with XXXX. She stated the fraud was resolved on XX/XX/XXXX. Transferred to XXXX Department and spoke with XXXX who stated to hold off on next payment and that fraud was resolved XX/XX/XXXX. XX/XX/XXXX Received statement for {$1000.00} talked to XXXX in customer service who transferred me to fraud. XXXX stated she was sending to finance team to double check. She could see it was double credited and she is sending it back to the fraud investigation team. Direct phone number provided. XX/XX/XXXX Called for update, spoke to XXXX, stated it would post in next XXXX hours. I chose to cancel my card that day. XX/XX/XXXX Another statement received {$1000.00} due. Talked to XXXX in Fraud Department who stated he would send an email to the investigation team of why the amount was back on the card. He said he would send to investigation team. Call back in one week and it would be cleared. Nobody called back and no supervisors to talk to. XX/XX/XXXX Called again after receiving XXXX emails offering to help me catch up on my delinquent card. She said she could see that the amount carried over in error and fraud XXXX said it was correct and money was owed. She stated she would send email to corporate office and fraud investigation team. Asked for call back and stated that I would go to XXXX  if I had not received a call back by XX/XX/XXXX. No call back received. She stated they dont call back and requested another XXXX hours. XX/XX/XXXX After several calls on XX/XX/XXXX no call back received.

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 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results

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 2023-03-30
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:
This is my XXXX  request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-25
Company: Resurgent Capital Services L.P.
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:
I sent the credit bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report are still showing inaccuracies ' also stated to them that i never opened any of these accounts not only but also i let them know i was incarcerated at the time these accounts were opened. 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. 
LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$250.00} LVNV FUNDING LLC Date Opened XX/XX/2022 Balance {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Ive Sent Letters and made calls to each credit reporting Agency and none gave me full relief. Ive gotten hung up on numerous of times & I want justice.

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 2022-04-16
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: Personal information incorrect

Complaint:
Hi, My name is XXXX XXXX. 

I sent a request to Equifax and XXXX to report inaccurate information being reported on my consumer report. The following address must be removed. 

XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just checked my credit report and its showing a fraudulent collection account named : Credit Collection Service

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Delete this account.

Company response to consumer: Closed with explanation