BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: TX
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:
Since I turned XXXX XXXX XXXX on XX/XX/XXXX, I have tried to activate my free membership on Experian. I have called, emailed, and sent letters through their website. I receive multiple emails asking that I activate my account, but it always gives an error and says that I need to call your customer service number. When I call, they say they can not authenticate my identity and I must wait XXXX hours and call back again. I have called over and over and am always told to wait and call back again. This has occurred more than XXXX times when calling since XX/XX/XXXX. 

The customer service representatives have forwarded me back and forth between the dispute center and the membership center, and each says that it is a problem with the other side of Experian. I have received a printed copy of my credit report and confirmed that all the information is correct so there is nothing to dispute. I have a current freeze in place and have the pin for that freeze. I have included copies of my passport, XXXX XXXX bank statement, and can provide any information needed. 
Now, I am caught in the middle and still can not access my credit report online. When I call, they say they can not authenticate my identity and I must wait XXXX hours again. This puts me at risk for identity theft because I can not access the information online or manage my credit freezes. Furthermore, I have uploaded my documents on your website to confirm my identity and have submitted escalation requests to correct these issues, all so I can activate my free online membership. Every time, I receive a reply that Experian can not complete my request for setting up a free membership. 

My most recent escalation number is # XXXX. I have asked that any accounts set up under my social security be deleted so I can set up a new online account. I am sending all this information by mail so you will confirm that this has all been corrected on my account, as I havent been able to solve this on the website or by the phone. Every time I call, the representatives say that there is a different reason that my membership can not be authenticated. I have gone around and around in circles for more than 6 months, and have asked my mom ( XXXX XXXX ) to help by calling as well. 

I need Experian to fix this issue so I can activate my free membership with a new email address. I will use the following email to set up a new account once the others have been removed : XXXX Although they opened an escalation ticket, I have gone through this process of escalation several times and am not hopeful that this will actually be resolved without help from the 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 explanation
Consumer complaint received 2021-02-17
Company: EQUIFAX, INC.
State: NC
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within days gives a reason to immediately remove those items from my credit report it had been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I received a letter dated XX/XX/2021 that was sent to my address that someone tried to request to open a Pay Pal Credit account on XX/XX/2021 under my name XXXX XXXX. The Reference # XXXX. Although it was not approved because of verification in identity. Synchrony Bank issues credit for Pay Pal Credit and there is a data breach because I receive emails sometimes that says I have available credit with Pay Pal and does not know what Pay Pal is talking about. I never applied for a Pay Pal Credit account and appears to be a data breach with the 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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I sent a letter to XXXX TransUnion and XXXX stating that the XXXX XXXX credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which XXXX XXXX is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.

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 2019-07-17
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
this complaint is with direct express. this is not the first time. since recieving ssi benfits from XX/XX/XXXXhave already had id theft 2x which both times i was n the hospital for XXXX attemps. but only one time was i given back any money. sinceXX/XX/XXXX i had lost my card and because my account with direct express is flagged i hve to go to social security if i want any changes with direct express. so the XXXX the XXXX the XXXX and the XXXX i went to social security so they can call and get me a new card which i did the next day delievery which is 2 days and repeatedly had to go back to ssi cuz the card never came and was still charged the expidite fee 2x and a fee for new card. then XXXX while i was at social security canceling the card and having them send me a new card ups delievers the card but the lady at social security says that to just throw it away cuz its no good but it was already thrown away by th time i got to my mailing location. so when i got my new card i was suppossed to have XXXX but had XXXX ive tried to call direct express but with the lawsuit against them i cant ever get thur

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: BBVA FINANCIAL CORPORATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was banking with Simple which is a part of BBVA USA and had fraudulent activity on my account. I have tried multiple times to submit tickets and report it, but have yet to receive any feedback other than robo replies. I can not get a bank statement from them, but was able to look thru my transactions and write out the following charges that were not made by me whatsoever : XX/XX/2020 XXXX - {$100.00} XXXX  XXXX  - {$74.00} XXXX - {$19.00} OF - {$100.00} XX/XX/2020 XXXX  XXXX  - {$74.00} XX/XX/2020 XXXX - {$100.00} XX/XX/2020 OF - {$20.00} XX/XX/2020 XXXX XXXX  - {$19.00} OF - {$14.00} XX/XX/2020 OF - {$50.00} OF - {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called in today ( XXXX2018 ) to discuss an issue with a billing cycle change and was told that my call would be recorded. I asked if they would provide me with a copy of the recording if I requested it. They said no. I then told them that I would record the call as well. They told me that I could not do that and they would terminate the call if I recorded it. 
I asked why they could record the call but I could not. No answer was provided other than that is their policy. Why is Chase Card Services entitled to record the call but I am not?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
THE BANK OF AMERICA SENT ME A BALANCE TRANSFER OFFER FOR INTEREST FREE AFTER A % FOR TRANSFER. THEN WOULD GO TO XXXX. THEY NOW ARE SAYING THAT THEY ARE CHARGING ME XXXX WHEN OFFER RUNS OUT ON XXXX/XXXX/2018 THEIR REASON THEY SAY IS BECAUSE IT WAS ROUTED TO MY ACCOUNT. THE ACCOUNT HAD A OVER DRAFT BALANCE OF AROUND 46,000.00 BALANCE .SO OTHER WORDS IF THEY SENT A CHECK LIKE THEY HAVE DONE PRIOR IT WOULD HAVE STAYED AT XXXX. BUT BECAUSE THEY USED A ROUTING NUMBER TO SEND THE MONEY IT DOES NOT. SURLY I WOULD NOT HAVE DONE IT IF THEY HAD TOLD ME THAT .I WOULD OF JUST HAD THEM SEND THE CHECK.

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 2018-01-14
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Attempted to add my personal TD Bank account to XXXX to fund a USD wallet within XXXX. TD Bank is blocking from using external applications, thus preventing the funding of my XXXX USD wallet from my personal TD Bank checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: OH
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, MACYS/DSNB add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-02
Company: Experian Information Solutions 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:
*Bankrputcy statetment I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and lexis XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my 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 2019-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
un approved charge to my Chase checking account. 

XXXX add offering free trials on pills. I ordered the free trial I paid the shipping cost. 
The pills don't work I believe they are no good. I contacted the customer on XX/XX/XXXX to cancel. I did receive a E-Mail confirmation for no future charges on my account. and on XX/XX/XXXX. I get a charge for {$92.00}. and there was no additional product sent only the original free trial. I contacted my bank, they added a credit for this amount and mid month I received a notice from Chase that they have charge the {$92.00} again. I have not received any additional product from this company but they did charge my account after the day they agreed to cancel. I will attach the accepted cancelation notice. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-05
Company: Experian Information Solutions Inc.
State: MI
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 been trying to get my free report and scores but no Luck!

with XXXX   Bureaus but after I put my personal information I get a window message that says no record on the data you entered.

instead I get soliciting products or services to purchase from them.

only Experian sent me a report but without scores. was requested on XX/XX/2018 with wrong & outdated information that passed 8 years.

while XXXX can NOT be accessed at all

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 2020-02-26
Company: CITIBANK, N.A.
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX Late Payment XXXX XXXX XX/XX/XXXX XXXX/XXXX  Late Payment XX/XX/XXXX and XX/XX/XXXX CBNA Late Payment XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2018-01-18
Company: WELLS FARGO & COMPANY
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: Problem with personal statement of dispute

Complaint:
I sent a letter to XXXX XXXX and XXXX stating that the Wells Fargo credit card account XXXX In this the amount of XXXX dollars was unverified. I ask them to send verification and validation of the debt with documentation of the original contract with signatures which Wells Fargo is suppose to have per FCRA and FDPCA to report to the credit agencies. All I received back was the was verified with no explanation. There was no real investigation done and no proof of said investigation.

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 2018-01-18
Company: EQUIFAX, INC.
State: DC
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:
What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having?

Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXXXXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about?

XXXX, XXXX and Equifax Step 5 : Who are the people involved?

All the major credit bureaus of which I have filed a dispute with all three

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CITIBANK, N.A.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX should be held responsible because I applied for a Home Depot credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.

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 2018-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
What is this complaint about? 

Missing Credit Card Information and Loan Step 2 : What type of problem are you having? 
Constantly being denied credit as a result of the two positive accounts that I have not being accurately reported to the bureaus The accounts are with XXXX XXXX Mastercard and XXXX XXXX XXXX XXXX New Jersey which I have an installment loan with both companies report to all three bureaus. 
Step 3 : What happened? 
I have been denied for auto loans and even secured cards as my XXXX score is much lower than the other two reporting bureaus of which both of those still do not reflect my two current and good standing accounts Step 4 : What company is this complaint about? 
XXXX, Transunion and XXXX Step 5 : Who are the people involved? 
All the major credit bureaus of which I have filed a dispute with all three

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 2018-01-18
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:
I recently done a dispute with the 3 major CRA and at the end there were so teams proven to be inaccurate reporting and was removed from my XXXX report. Im having problems with XXXX and Transunion getting the items removed I would like for the items to be deleted from the two CRA ASAP as the information is not correct. Ive also asked for documentation with my signature and nothing has been given to me please see documentation attached.

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 2021-12-08
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
As of today XX/XX/XXXX Santander Consumer USA is still reporting an account on both my credit report and my husband. We feel like we are being harassed by this company. We tried to fix this with both Santander and the Credit Bureaus to delete this negative item from our reports. Santander sold the previous loan to a debt buyer and continues to report negative information against us as if they still own it. Also, this loan was included and discharged in a joint XXXX  XXXX bankruptcy in XX/XX/XXXX. Santander has no record of our social security numbers in their system as if we don't exist, but for whatever reason still manages to remain on our credit report as a charged-off account for something they can't seem to locate in their system. How is this possible or even legal? Please help us with this matter because it is ruining our credit. 

Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: ALLIANT CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I'm not exactly sure what happen but the bank no longer wants to due business with me, which is fine by me. 

XX/XX/2019 Account was closed by bank. 
Amount owed is {$1800.00}

Company response to consumer: Closed with explanation