BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-22
Company: DISCOVER BANK
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Discover offered my XXXX percent interest for 18 months on purchases and balance transfers. They have changed my purchases interest rate but keep the balance transfer rate. They also illegally allocated my payments to my balance transfers and not the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.

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 2018-07-20
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, My name is very common, it is in the XXXX community the same as " XXXX XXXX '' So from time to time I have had erroneous information on my credit report that I have been able to clear by contacting the creditor directly. in this case, I had this collection show up on my credit for XXXX XXXX XXXX, and I have no idea what this is so I contacted the creditor and was told " I don't care if this is your debt or not, pay it and we will take it off your credit. Don't pay it and it will ruin your credit! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: SYNCHRONY FINANCIAL
State: NY
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 2018-07-20
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Ally Financial is not providing me with any billing statements. I dont know if my payments are even being applied. My wife filed Chapter XXXX Bankruptcy. I did not. Ally filed a proof of claim. I continued to make payments. The Bankruptcy was dismissed on XX/XX/XXXX. There is not automatic stay and no reason to deny my billing statements. In addition, Ally is inconsistent since they provided an emailed copy on XX/XX/18. They are not sending me paper statements nor emailed statements. When requested, they refuse.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 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 non-monetary relief
Consumer complaint received 2022-11-17
Company: EQUIFAX, INC.
State: TN
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:
Since XX/XX/XXXX, I have written many certified letters to Equifax regarding inaccuracies and FCRA violations for the XXXX XXXX XXXX account found on my Equifax credit report. Despite my numerous requests, they have not corrected those multiple problems nor, and most importantly, they have not posted a Notice of Dispute for this account on any of my credit reports since my initial request back in XX/XX/XXXX. In follow up letters dated XX/XX/XXXX and recently XX/XX/XXXX, I again asked why they had not posted a Notice of Dispute to my credit repost and have never received an answer or a correction. I have attached the three letters of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have highlighted in yellow the account we are discussing. I have also included a PFD two page document of this account from my most current Equifax credit report to show that even after 12 months, Equifax has refused to post my Notice of Dispute in the comment section for this account. 

As youre aware it is required under the FCRA requirements to place a Notice of Dispute within 30 days on an account when a credit reporting agency is notified of a dispute. Failure to do that is a violation whereby the violating credit bureau can be be sued for statutory damages of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX credit card was a paid and settled charge off on XX/XX/2017 XXXX was paid and suppose to say in comments on my three credit reports as a paid charge off. Paid and settled account

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 2023-07-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I scheduled a payment to be sent out to my mortgage company on XX/XX/2023. For some reason it was sent to my previous mortgage servicing company, I called my current mortgage company, Select Portfolio Servicing Inc ( see attached ) in XXXX, they have told me it happened a lot in the past. They said they will get the money transferred from old mortgage company without any problem. A few months later they send me a letter stating that the old company ( XXXX Mortgage ) has closed and they could not obtain the cashed funds from XXXX Mortgage, I have to work with my bank, XXXX, to retrieve the fund. I talked to XXXX, they told me there is nothing they can do either. So what can I do now to retrieve {$5200.00} to pay for my mortgage? I think my money got stolen and no one willing to help this minority woman.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Experian Information Solutions Inc.
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: Account status incorrect

Complaint:
US DEPT OF EDUCATION is still showing accounts as delinquent, late payments/collections, etc. even though all student loans were deferred due to covid-19

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 2018-07-20
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a company by the name of Financial Credit Network in regards to a medical bill. I'm not sure who the original creditor is, however I have double coverage of medical insurance. I wrote them a certified letter and advised them that they have the wrong person and not to contact me anymore. After that, I received another collection letter for a different amount. I now have two alleged debts with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: EQUIFAX, 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 XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX : {$3100.00} ; XXXXXXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$620.00}

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 non-monetary relief
Consumer complaint received 2021-03-30
Company: Debt Recovery Solutions, LLC
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 information incorrect

Complaint:
I XXXX XXXX XXXX am filing a dispute against Debt Recovery Solutions for stating that I allegedly owe this debt. I have found several laws that Debt Recovery Solutions have broken the laws are stated below : FCRA VIOLATION 15 USC 1681a ( 4 ) - respect to the consumers right to privacy.

FCRA VIOLATION 15 US code 1681b ( a ) ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

FCRA VIOLATION 15 USC 1681a ( 2 Exclusions ) ( A ) ( 1 ) - report containing information solely as to transactions or experiences between the consumer ( individual ) and the person ( corporation ) making the report ; in this matter i XXXX XXXX am the consumer ( individual ) and Debt Recovery Solutions is the person ( corporation ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
US DEPT OF EDUCATION is still showing accounts as delinquent, late payments/collections, etc. even though all student loans were deferred due to covid-19

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
in accordance with the credit reporting act XXXX XXXX XXXX ( Account # XXXX ) has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish a account without my written instuctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: EQUIFAX, INC.
State: OK
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 askes XXXX  to verify that information on my credit report is reporting 100 correct. XXXX fail to reply with in a timely matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, 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:
Upon review of my Credit Reports. I found that I have numerous Hard Inquiries on my reports that I did not authorize. ( See Identity theft report ) The following are Hard Inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My wife and I deposited a very large sum into our checking account at the time of deposit we were not informed or told in any shape or form there in a couple days they would put a hold on this check it was from the sale of one of our home as a result we have NSF account being charged to my account I have vendor fee is charging me face its been nine days and they still having clear my check. Ive called seven different times to the corporate office and different support within Bmo and they have refused to correct the situation or make it right They are operating with immunity its my understanding. They have a right to put a hold on the check, but they have to inform you the violated federal rules. Can you assist me I am a senior citizen in a retired veteran. This has been very stressful for my wife and I.

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 2023-02-28
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 am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I Have disputed the accounts multiple times since XX/XX/2021 but they still have not deleted the inaccurate accounts neither have they done a reinvestigation to show a notice of dispute for any of the accounts

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 2017-09-21
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Last month while on Synchrony Lowes credit card payment site to pay my bill I noticed a drop down box where payment options were which I had never noticed before. My checking information is present in that area. I clicked on it and saw that there was another checking account below mine that was available to pay my bill with. Problem with that is we do not have a second account. I called and spoke with them and they assured me it had to be mine as they ca n't see my account information. I called my son as he is a XXXX to my husband being the XXXX and found that he has a Lowes card as well. It was his account information on my account. He does n't live at our address nor has he since he had that account. Never has he paid his bill from our computer nor have we from his. After going back and forth and taking a picture of this I deleted his checking account info from mine. Yesterday I got on Synchrony JC Penney credit card payment site to pay my bill. Again I noticed a NEW drop down box. My son 's information is on our account on it as well. He has NEVER had a JC Penney account. I called and was assured it was n't them. It had to be our bank that went into Synchrony 's credit card sites and added their information. Really? I asked for a supervisor, spoke with her, taped the conversation, as did she. She told me she would I.T. look into it after I pressed her. I asked for a return call and she told me I would not be getting one. They do n't do that. Since then I took to social media and several others have had the same problem. This scares me.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: MI
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 Have Wrote Experian & XXXX Multiple Times Due To Unauthorized Inquiries On My Report. Both Credit Reporting Agency Failed To Investigate

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 2023-05-02
Company: Experian Information Solutions 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 appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2020-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/20 I tried to open checking account, which in the past was opened & closed by me without issue. Today however, Bank of America placed me in processing purgatory, leading me to believe they mishandled my data & denied me right to withdraw application and delete all personal data.

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