BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XXXX I notice something funny in my bank account usually my payment was supposed to be XXXX a month threw XXXX XXXX  on XXXX XXXX  in XXXX calif. My payment was going smoothly when all of a sudden I saw synchrony bank went into my bank account and started to take XXXX then XXXX then XXXX then XXXX I called my bank and got them on the phone and told them I will pay them but to not go and take out what you feel like taking I did not give you permission so my bank reported fraud I had my debit card in my possession. On XXXX XXXX I was under stress synchrony bank they keep calling me every day when on XXXX I told them I will pay them what happened I got so stressed out On XXXX I blank out 1 minute from the store my purse got stollen I made a police report the police helped me all of my money was gone on XXXX I got my purse in the mail the XXXX police found it I was in tears but happy tears not only this happened the XXXX  got to me helping my XXXX mom I did not need these creditors to call me harassing me I told them what happened but they still called me and harrased me on my phone I told them quiet nothing me I am waiting for my new debit cards to come in it takes 5 to 10 days. I can not pay now all of my money is gone. But I told them on XX/XX/XXXX I will give them something. What I am here today on credit wise I keep getting alerts that the synchrony bank keep taking my points every day I was up at XXXX points all of a sudden When my purse got stollen with all of my money I am down to XXXX points this is a big jump thats fraud they can not keep taking my points away If I dont have my money I keep telling them my purse got stollen. I made payment arrangements and they still called me and harassed me 2 yrs ago I lost my father taking care of a XXXX mother the best way I can I havent greaf over my father passing I am having it hard I am stressed out where my bank help me and the police dept I want to make a fraud report they dont have the rights to take what ever money in my bank my contract says I only pay XXXX a month sometimes I pay XXXX a month

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2020-10-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I attempted to resolve this issues with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) XXXX XXXX - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX  XXXX opened in XX/XX/2007 in amount XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.

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 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
" XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX, XXXX, XXXX ) on XX/XX/16 unfairly placed on my Transunion credit report a collection acct. and this company does not have license to operate in Georgia!! They bought this inaccurate, unvalidated, unverified and fraudulent collections acct. # XXXX from another company that also does not have license to operate in Georgia XXXX " XXXX XXXX XXXX '' .. This company entity does not exist and I have never done business with this company!! This acct # XXXX is not my acct..If anyone takes 5 minutes and searches GA.Secretary of State business search website site page, you will find neither one of these companies have license to operate a business in GA!! There was a company called " XXXX XXXX '' but that company lost their license to operate on XX/XX/16 because of financial fraud crimes and '' ironically '' not paying their bills with the state of GA., but they still illegally operated without a license on XX/XX/16 and with wreckless disregard they sold an inaccurate, unverified, and fraudulent collections acct. # XXXX to " XXXX XXXX XXXX '' who also didn't have GA. license to operate either!! Apparently they didn't investigate each other before they both broke the law 4 years ago and destroyed my credit and my life with a fraudulent {$10000.00} collection acct. # XXXX!!! and this fraudulent acct # XXXX is still on my Transunion credit report!! I have disputed this inaccurate fraudulent acct. with Transunion and showed them written proof but they have intentionally and maliciously refused to remove this painful, fraudulent, and inaccurate acct # XXXX off of my Transunion credit report.. Please help me ... Thank you in advance for your thoughtful consideration..

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 2020-10-22
Company: Experian Information Solutions Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.

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 2019-06-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened checking and savings account with Citi bank on XX/XX/2018 in XXXX XXXX  XXXX, new york. My account balance was XXXX. Bank of Employee told me I will be getting {$400.00} for opening the accounts. I don't need to do any thing. I already met all requirements. He even gave me the ads to to proof I will get the money. As of today, I talked with several people at the bank. They said I am not eligible for the promotion. They refuse to give the {$400.00} promised.

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 2020-11-05
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: Was not notified of investigation status or results

Complaint:
Good Afternoon, I am filing a complaint against Equifax and with the CFPB! Yes I totally understand that due to COVID-19 that the Credit Bureaus has been behind but a FAILURE to respond to any disputes is right out against the Fair Credit Reporting Act and Equifax is the worse. By Law they are still responsible for responding to any and all disputes submitted to them and the CFPB are not even holding them accountable ... I know that I am not the only person who's complaining about the Credit Bureaus not handling their jobs.. I have sent several letters on these erroneous inquires and not once has Equifax ever did their job or responded to me ... I am requesting immediate action here. 

XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 I am requesting that Equifax do their jobs immediately ... this is going on for long enough that they are failing to respond to any disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Medical Data Systems, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-11-17
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Hello, and I hope all is well. Thank you for taking the time to review the complaint. XXXX, XXXX assist with the purchase of a XXXX XXXX XXXX used for XXXX. The total amount of Finance {>= $1,000,000} included a co-signer, XXXX XXXX. Payments are {$210.00} for seventy-two months. Many violations occurred during the time of purchase. Questioning the entire purchase. 
According to the Comptroller of Currency, Santander Consumer ServicesXXXX violated a series of occurrences. Unfair Deceptive Abusive Act Practices. In XXXX, a series of late payments occurred. A credi-risk allowed her credit score to become compromised and decrease her creditworthiness.

Strategic Risk occurred when operations extended a line to purchase a vehicle with a co-signerthe APR 16 % with a time frame of 72 months. With the Resilience score, not an acceptable rate for financing, the co-signer resilience score was more compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent a debt validation letter to wells Fargo regarding a debt they are alleging that I owe. They have failed to validate the debt and only sent a letter that says proof of application an electronic print out. Nothing with my hand written signature or a billing statement with proof that I owe this alleged debt. I also advised them that the proof that they provided does not state anything about the alleged debt reporting on my credit. And to please cease all reporting and collection efforts. An credit application is insufficient and does not validate the debt in question.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On my TransUnion credit file, the follow inquiries are not correct : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2020-02-24
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My wife and I have been a victim of identity theft. We pulled our credit because we kept getting calls about a debt we owed from a rental property. We have no idea what this debt is about. There are several things on our credit that do not belong to us and that were open under joint accounts with our names and social security numbers. Please remove these fraudulent items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX : XXXX is reporting a payment status of 90 days late, XXXX  is reporting no late payments and Equifax is not reporting this account. XXXX XXXX XXXX : XXXX is reporting a payment status of 30 days late, XXXX  is reporting a status of 30 days late, Equifax is reporting a status of 30 days late. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX is reporting an open date of XX/XX/2019, XXXX  and Equifax are not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2020 I filed a dispute for unknown and inaccurate account that I found on my credit report. Its over 30 Days now and I haven't receive any response. I was a victim of Equifax Data Breach and I demand to Remove immediately those unknown and inaccurate account on my credit report or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: U.S. BANCORP
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On Monday, XX/XX/XXXX US BANK/ Reliacard , issued a hold on my Maine unemployment benefits debit card for no specific reason. 
They did not notify me. I found out by attempting a purchase. 
I called and was instructed to fax a copy of my driver 's license, SS card, and W-2 from XXXX. 
I did so on Monday XX/XX/XXXX. 
They claim that it will take 10 to 15 biz days to reactivate my card. 
This is absurd. 
Their manager was until to help expedite. 
I am unable to pay my rent due to this inompetence. They are holding {$2500.00} of my money.

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 2020-11-17
Company: ALLY FINANCIAL INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX, 2020, XXXX/XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2020, XXXX/XXXX  add a hard inquiry on my credit report per 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 2021-08-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried several times to login my credit report on Equifax with no luck. I can reset my password and after that I cant login. I have spoken with their tech support and they couldnt help. I need to dispute an account on my report. As for the dispute I was an authorized user on my Mothers account which I requested to be canceled. The other reporting agencies have deleted the information from my account but for some reason it still shows up on equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: Ladera Lending, 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: Reporting company used your report improperly

Complaint:
Ladera Lending ran the hard credit inquiry without my permission. I neither provided my social number directly to them nor XXXX indirectly when I made home refinance rate quote, and yet they still managed to pull the credit report. I talked to 5 lenders ( sent by XXXX ) including Ladera last few weeks, but nobody, except Ladera, pulled the hard report along with employment verification. Its very scary and unimaginable that they can do such things without any oversight.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: NJ
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 appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2022-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I already reached out to the TRANSUNION and to the following accounts [ XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX Balance {$6200.00} ; XXXX XXXX XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XX/XX/XXXX Balance {$300.00} ; XXXX XXXX XXXX XXXX  XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX ACCOUNT NO : XXXX DATE OPENED : XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$990.00} ; XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$230.00} ] and notify them of their error posting for this account on my credit report. It does not compliment what the Credit bureaus may claim as " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first-hand documentation of the payment history, and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.

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