BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is my 2nd 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XX/XX/XXXX 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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-04
Company: National Credit Systems,Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am furious. InXX/XX/2022 I spoke to the manager of this agency who told me that if I set up pay arrangements I would not be reported to the credit bureau. They've been withdrawing payments from my checking account monthly and just took another payment last month!!! I just realized that they indeed did report the balance to my credit report. I received no contact regarding this or the possibility of this!!!!!!!!! I am furious because they clearly lied to me!!!!!!!!!!!! I received no phone call from this agency since XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX I opened a checking and savings account and deposited {$50000.00} into savings in order to get the bonus described below : Citi XXXX Account Package https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX From a 3rd party source ( different promotion period ) : {$700.00} bonus Open new eligible checking and savings accounts in the Citi XXXX Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$50000.00} in XXXX-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 

XX/XX/XXXX I called and talked to a rep XXXX and transferred {$10.00} as I received an email stating that the checking acct would be closed. 

He told me that the bonus would be posted no later than XX/XX/XXXX, as he explained 60 days after account opening,. ( 60 days + 90 days to maintain the fund in the accounts XXXX XX/XX/XXXX I called and talked to a rep XXXX, then XXXX as the bonus was not yet posted. XXXX said that he would escalate my inquiry and check back within a week or so. 

XX/XX/XXXX I called and talked to a rep XXXX, who apologetically told me that the case had not been resolved yet and asked me to wait a couple more days. 

XX/XX/XXXX I contacted through chat and talked to a rep XXXX XXXX copy attached XXXX. He told me that it had been resolved and a snail letter was sent out. 
I asked why the bonus was not posted, he told me that he could not check the result and I would need to wait for the letter. Or, I could call again. 

XX/XX/XXXX Called again and talked to a rep, explained the whole thing, and clearly stated as follows : > why such a long wait? 
> searched for Citi XXXX XXXX XXXX on the web and found many cases XXXX XXXX XXXX XXXX  XXXX > unless it is solved right away, will file a complaint to the Consumer Financial Protection Bureau While I was on hold, somehow I was cut off. So, I am filing this complaint After this many phone calls, no bonus. I would find out what kind of craziest reason they say I was disqualified for the promotion although all the reps looked into my account activities and kept telling me to wait for the bonus to eventually show up. I believe that they do this, hoping customers get frustrated and give up.

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 2023-08-22
Company: Experian Information Solutions 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:
To whom it may concern : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case! 

Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: WI
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:
Experian CONTINUES TO DISREGARD MY COMPLAINTS! THEY HAVE VIOLATED ALL OF MY FCRA RIGHTS! I have sent over 8 letters of dispute to them all stating that the information they are reporting is 1.  INACCURATE and 2. UNVERIFIED with the original creditor. They continue to state that they verified the information with XXXX XXXX. First I have a security freeze in place so they aren't releasing any of my information and secondly THE INFORMATION THEY STATE THEY VERIFIED WAS REMOVED AS IT COULDNT BE VERIFIED AND WAS INACCURATE so how did experian verify the information with them? THEY HAVE FAILED to provide any proof of verification or the method even though I continue to request it. I have also stated in my letters I DO NOT CONSENT TO E-OSCAR OR ANY OTHER AUTOMATIC/ELECTRONIC VERIFICATION! I want all this information DELETED from my report IMMEDIATELY! I have filed complaints with the FTC, XXXX, AND MY ATTORNEY GENERAL. This is the LAST time I will try to resolve this before I take ALL of them to court for violating my rights and seek no less than {$1000.00} PER VIOLATION in damages. DELETE THIS UNVERIFIED Erroneous information from my reports AND provide me with the verification procedure used AND the method of verification. I have requested this from them numerous times and I have the tracking and letters to prove it and have NEVER received them.

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 2023-08-22
Company: Experian Information Solutions Inc.
State: NY
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 just checked my credit report and notice some inquiries that I didn't recognize. I believe I was a victim of fraud. I am distress and this matter as affecting my life and finances specially from getting access to different forms of credit. Please help me to delete this fraudulent activity in my credit report. 

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 2023-07-04
Company: WELLS FARGO & COMPANY
State: GA
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 am having an ongoing issue with them. For example on XXXX I was charged a fee of XXXX dollars for supposedly having insufficient funds but I transferred the money from my savings to my checking account. This has been an on going issue for years and every time I call them to get answers they always say that the money was not transferred and that the app is different form coming in and making the transfer. Wells Fargo has an extra day grace period and they are still claiming that my money was not transferred in time. XXXX XXXX owes me over XXXX in lates fees because this has been going on for years.

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 2018-12-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/2018 - XXXX XXXX XXXX - {$21.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} XX/XX/2018 - XXXX XXXX XXXX - {$20.00} After agreeing to a XXXX XXXX XXXX store credit card offered by Synchrony Financial and purchasing a sectional, I setup autopay and left my account be. 

Turns out, I was being charged from XXXX XXXX each month and I didn't recognize the vendor nor did I ever sign up for an additional recurring service. The CC I used was explicitly used ONLY for the furniture purchase. 

I disputed with Synchrony Financial CC and they transferred me to XXXX who promptly refunded the charges and cancelled the account but I asked them when and where did I sign up for this and they said upon credit application sign up. - This is egregious and dangerous. There are literally thousands of complaints online in forums, review sites, etc ... about this " service '' and it needs to be shut down. Consumers who don't even qualify are essentially automatically signed up for something they never agreed to because a XXXX XXXX XXXX store rep could've helped them " quickly '' fill out the credit form and left this service checked off without the consumer knowing.

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 2020-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
My car was totaled loss. After insurance settled we had to pay the remaining balance which we did within the timeframe that Capitol One gave us. After checking my credit report, I see that Capital One has a charge off on the account and paid. Every month before the month of the charge off was in an " OK '' status until XX/XX/XXXX. XX/XX/XXXX it was " OK '', XX/XX/XXXX it was " OK '' ; XX/XX/XXXX is was " OK '', and in XX/XX/XXXX it was Charge off. By their own records, we were never delinquent. How does an account go from the month before as " OK '' status and the next month a charge off. Especially during these times of a pandemic, a company rushes to ruin the credit of suffering people, what a horrible example of integrity and yet the U.S. wants us to believe " We're all in this together. '' To add insult to injury, all correspondence and the paid off letter was directed to XXXX XXXX, my daughter, and XXXX was the co-signer on the loan. Capital One never sent me any correspondence with my name, XXXX XXXX, on it. I was the primary signature of the loan. 

Definition of Charge Off : If you fail to make minimum payments on your credit for 180 days, your credit company will consider your debt a loss asset, or an asset that is uncollectible and considered a bad debt. 

I've tried to reach Capital One repeatedly. Phone records to verify. If I transacted business the way that they have, I would be in hiding too. 

The letter attached states that the debt was paid in full XX/XX/XXXX. The loan was paid off on XX/XX/XXXX online but it takes 2-3 business days for the transaction to be complete, hence their XX/XX/XXXX transaction timeline. 

I apologize for the personal comments but this is a sorry state of affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My problem is with Comenity Bank. I have/had a XXXX card through Comenity. In XX/XX/2019 I paid the card to XXXX ( {$52.00} ) ), or so I thought. Evidently they have some kind of time cutoff and even though I made the payment on the date it was due XX/XX/XXXX it posted to their system the following day XX/XX/XXXX. I had no idea this had happened until XX/XX/XXXX/XX/XX/2019 because I assumed the debt was paid in full. Once I found out I called and asked that late fees be waived. They would not waive all of the fees. I said I would pay {$32.00} in late fees to close the account ( I really felt I didn't owe but was trying to be reasonable ). They have continued to bill me for additional late fees and interest every month and have begun to negatively impact my credit. The company called the other day and basically said I owe $ 190+ dollars and if I would pay {$69.00} they would quit bugging me. I said no. Then they dropped to {$47.00} and said to pay or they would report on my credit again. I have the money to pay the {$47.00} but at this point it is the purpose of the matter, they are behaving unethically in my opinion. Comenity could easily rescind these charges and settle this account. They have already received {$32.00} more than I actually owed and they act like I am trying to rip them off. It is very disheartening and infuriating. If I was defaulting on a principal balance I could understand their aggressiveness but this is revolting. They are simply being greedy. Please hold them accountable and help them establish better business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I attempted to use my TJX Rewards card issued by Synchrony Bank at a XXXX XXXX. I had previously made a payment to the credit card in the amount of {$330.00} and received an email stating that the payment was posted to my account on XX/XX/XXXX. My bank account had showed these charges cleared, and the money removed from my account by XX/XX/XXXX. I called the customer service line and they advised that since i'm a new cardholder, there are holds placed on my account. They stated my payment hadn't cleared yet. While on the phone, I pulled up my account on line and showed on my bank statement the cleared amount of {$330.00}. The representative continued to tell me that the company hadn't received my payment yet, and that is why I wasn't able to use my card, yet I was staring at my bank account that showed the amount in question missing from my account, and it was NOT a pending transaction. The representative continued to tell me that this was a part of being a new cardholder, is that even though my payment is full and clear and they have taken my full payment, removed it from my account, they will continue to hold the limit since i'm a new cardholder.

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 2023-05-26
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2020-02-22
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Attempting to contact call center when I am not working. Call center reported that they " could not transfer me '' to United States branch. Call is recorded, requested 4 times. Representative name is " XXXX ''. 

I was informed by a representative 2 weeks ago ( call is recorded ) that I was assigned a new case manager, " XXXX '', in the United States. Have never received any contact from her or call back. 

More incivility and unethical behavior on the part of PHH off shore branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s 2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

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