BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
On XXXX I submitted a complaint to XXXX XXXX XXXX of Wyoming XXXX Their response " XXXX XXXX, thank you for contacting XXXX XXXX XXXX to allow us the opportunity to address your concerns. When we received your correspondence, we immediately ceased all collection activity and began our investigation. We have closed your account in our office. As a courtesy, we have also requested that the credit reporting agency delete this account from your tradeline. Should you have further questions, you may contact us at XXXX during normal business hours and an associate will be glad to assist you. '' This is per CFPB Case XXXX. The account still shows on my transition record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a XXXX XXXX by Synchrony Bank that I have recently been using for business expenses. This month XXXX 2023, I made payments of {$120.00}, and {$500.00} towards my account, before my scheduled due date. The Creditor applied the {$120.00} payment to my balance and allocated it to my available limit, the {$500.00} payment they received from my bank on XX/XX/XXXX, said they applied it to my balance but refuse to update my credit limit accordingly, stating they are " holding the payment '' until the XXXX of this month. My argument is I was not paying late, I was trying to pay my payment early when I received the funds for the goods I purchased and subsequently retailed. There is no grounds to hold the payment towards my limit, their argument was that because I was new customer they can hold payments arbitrarily due to bank holds, but the payment of {$120.00} was made in the exact same manner and with same bank account. Their next argument was that it was because it was a large payment, no where in their account paperwork does it state that they would hold account payment due to the size of the payment made, nor is it laid out that any payments made within the first 6 months are subject to be held. 
This is a very predatory practice to withhold paid funds from a credit account for any arbitrary reason, it is having a major effect on the cashflow of my business and causing me undue harm for paying WELL more than my required payment and them holding it for more than 2 weeks. The everyday consumer is paying the price for their " Anti-theft System '' that is not laid out in their agreement or application. Broad strokes their paperwork they send you after you apply say they can " hold Payments for any reason '', funny how the consumer doesn't have these same protections.

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 2018-04-30
Company: CITIBANK, N.A.
State: PA
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:
Our Citi credit card was charged by a company XXXX XXXX ( XXXX XXXX ) for multiple charges. This was for a " free '' cosmetic sample. Upon learning that there would be a charge for future shipments of cosmetics, we called the company ( we believe in XXXX - maybe early XXXX ) to cancel all future shipments and charges. We also called Citi ( XXXX XXXX ) to contest charges to our account by this company in XXXX, XXXX, XXXX, and XXXX. Despite us stopping this service with the company, and contesting the charges with Citi, we see more charges in XXXX on our statement. Now Citi is telling us there is nothing they can do and I have to pay these charges. I've asked Citi on more than one occasion to block these transactions with this company. Citi has offered no help in resolving this. Citi also said if I close my account, they will not be able to contest the charges. They are using extortion to get me to keep my account open - or, I won't be able to contest the charges. Citi is HORRIBLE!!!!!

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 2021-03-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My car was repossessed by Bank of America on XX/XX/2021. I called the bank prior to this and asked them if there was anything they could to do to help me. I told the customer service agent that I had family sending money to me through the mail to pay my balance due ( around {$400.00} ). A few days after that phone call they took my car. They didnt offer any sort of payment plan or deferment. Im a single mom of two teens and I have medical issues. Im on XXXX. I relied on my car to get me to weekly doctor appointments and XXXX. I have no way to get to those appointments now as I dont have any friends or family close to where I live who can help with rides. I cant pick up my boys from their dads house so Im unable to see them much. 
When I made that phone call prior to the repossession, the customer service rep told me that I had to pay the loan off in full in order to get my car back. Obviously, that isnt possible when youre on a fixed income. I had been paying my car payment consistently for 3 years before this happened. I missed 3 payments because there was a suicide in my family ( so I was out of town for the funeral and grieving ). Also, My son went into septic shock after XXXX and was life flighted to another town. So I was out of town focusing on him for a while. He nearly died. It has been a very tough year. I wish they would have been willing to work with me. I bought that car with money that my dad left behind after his sudden death. 
I called Bank of America today and they said that my car hasnt gone to auction yet. They are still charging me for late payments and fees. I had my loan down to almost {$3500.00} and since it has been repossessed the loan about is now around {$4700.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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:
The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/2021XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
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: Their investigation did not fix an error on your report

Complaint:
On several attempts I have tried to get information remove based on the facts that my right s have been violated.15 U.S.C . 1681 sec 602 a under the fair credit act and also 15 U.S.C. 1681 sec 604 a can not make any of the following information or adverse other than records of convictions of crimes that dates more than 7 years. None of this information was done without my consent. The information I have attached shows that the 3 credit buenas have done this serveral times. First it was said that the information was verfied and the source that they got it from XXXX has said that the information is not verfied and I have sent each agency a letter from XXXX showing that. I sented it to each agency with that information also in the attachments. What is being done is wrong and I would greatly appreciated if this problem be resolved. I have all the information in the attachment to prove my case.

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 2023-01-07
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is a continuanance of case : XXXX which was unresolved They sent me a file boiler disclaimer. 
It did not address the {$600.00} owed me as mentioned on their voice robot! 

And they did not mention how they miss-handled purchases XXXX through XXXX of next month that should have been in pending. 
But they processed those purchases without using a full XXXX day pending! 
And this caused unnecessary compound interest against those less than 28 days purchases! 



I request a full CFPB audit of their process of policies, And Operating Procedures, And Fair Banking and credit card procedures! AS A BASE TO AUDIT : ( XXXX ) WHAT WOULD my STATEMENT FOR XXXX HAVE BEEN IF THE PURCHASES MADE ON THE XXXX AND XXXX HAD BEEN GIVEN XXXX DAYS IN PENDING? AND WITH THE XXXX PAYMENTS I MADE TRYING TO OBTAIN A XXXX BALANCE. BUT AS IT TURNED OUT, THE RESULTS APPEARED WITH MUCH CONFUSION? 

AND OF COURSE, HAVE THEM DO THEIR OWN CALCULACTION, AND YOU XXXX PERFORM YOUR OWN CALCULTIONS FOR FAIR COMPARISON! THEN SEE IF THIS IS FAIR! 

TODAY, I KNOW I NEED TO MAINTAIN A XXXX BALANCE WITH THIS COMPANY AND TO " NOT MAKE ANY PURCHASES DURING THE XXXX TO THE XXXX OF THE NEXT MONTH! AGAIN .... " XXXX BALANCE AND NO PURCHASES DURING THE XXXX THROUGN THE XXXX OF THE NEXT MONTH ''! UNTIL I CAN SWITCH TO AN HONEST COMPANY!

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 2022-03-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Driver 's license and social.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: PNC Bank N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
PNC bank -- -my account ending XXXX : The bank mailed a postcard to my home address around XXXX 2022, offering a {$400.00} bonus for the deposit of {$5000.00} and maintaining a balance of {$5000.00} for 60 days, at the end of 90 days the deposit would be added to the account. I opened one account, my wife one and my daughter one. 
XXXX XXXX XXXX XXXX XXXX XXXX I spoke to two different clerks, one an XXXX female, whom never mentioned a direct deposit or a form was given to us. We never got a reminder in the mail of a direct deposit. The card in the mailed never mentioned a direct deposit. 
This is a " bait ans switch ''. The XXXX California Branch told my daughter that " the offer has expired '', just to get rid of her. XXXX XXXX opened her account in the XXXX Ca branch. This bank needs to be investigated, for the dubious treatment and poor business practices. They used up clients money to lend out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: Law Office of Charles G. McCarthy Jr. & Assoc.
State: AZ
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:
In the process of buying a house this came up on my credit report. I had no clue what the debit was for so I called the collection company, The Law Office of Charles G. When I called the receptionist was very rude including cursing at me when I refused to give him additional personal information. I asked for a statement for the debt I owed I was told unless I provided more personal information I " could XXXX XXXX  '' The receptionist did eventually tell me that the original debt was from XXXX XXXX for a furniture lease/purchase. I have never bought furniture and applied for a loan/leased it. I have also never heard of this company. The collection company had my name and SSN but was unable to verify my correct DOB, phone number, employer at the time and correct address at that time. According to XXXX   credit reporting the account was opened with The Law Office of Charles G onXX/XX/XXXX and the owed amount is {$1600.00}. The original opened date of the account was XX/XX/XXXX. The address in which they provided I did live at but not until more than 6 months after the account was supposedly opened. I researched both companies and both companies have multiple accounts of legal action regarding fraud in which the companies have lost the suit. XXXX XXXX have over 900 complaints of this same issue for failure to verify identity. I have never received any calls, letters, or attempts to collect a debt from either company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

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 2023-01-13
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: Reporting company used your report improperly

Complaint:
XXXX continues to violate my right to privacy, which is a violation of the Gramm Leach Bliley Act. Even after when I made them aware of the federal laws they are breaking by sharing my nonpublic personal information WITHOUT my consent. They have willfully ignored my request to opt out of sharing my nonpublic personal information with other nonaffiliated 3rd parties. XXXX continue to aid with consumer reporting agencies to furnish negative information in the form of " late payments '' on my consumer report without my consent in their attempt to extort me on this extension of credit. They make false statements stating that " they are consistent with industry standards '' when the Fair Credit Reporting Act don't requires them to furnish information about me without my consent when Credit Reporting is OPTIONAL WITH MY CONSENT. I have suffered monetary actual damages from the results of Navient furnishing this inaccurate information, damaging my reputation and restraining me from operating in commerce in which the banking system is dependent upon! I have tried to resolve this issue through a direct dispute and indirectly through the consumer reporting agencies that they are furnishing this information to. *see attachments*

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 2019-06-13
Company: EQUIFAX, INC.
State: TX
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:
Equifax and XXXX  are reporting a 30 day late on the XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, INC.
State: KY
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:
Accounts above listed has violated my rights. 
XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX 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.

Accounts above listed 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
RE : XXXX XXXX XXXX XXXX -NO RESPONSEFROM : Transunion XXXX XXXX and XXXX or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( TransUnion, XXXX XXXX and XXXX XXXX ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( TransUnion XXXX XXXX and XXXX ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right

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 2022-03-02
Company: Lending Club Corp
State: CA
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:
There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation