BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I need help I have bankrupcty on my credit and I never filed bankruptcy I never lived at XXXX XXXX XXXX XXXX XXXX. I never had a XXXX loan, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2 bankruptcies are reall hurting me. I contacted the courts they said the dont give out information or credit information. I demand this be removed from my credit report. I believe its racially motivated I have a feeling when I call they brush me off. I have a deep XXXX accent. I work 80 hours a week Please help remove this information from my report. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We purchased a foreclosure property from Bank of America located at XXXX XXXX XXXX XXXX, XXXX VA XXXX in XXXX XXXX. In Virginia, you are required to obtain a repo title with the DMV when you foreclose on a property. This was not done by either Bank of America or their foreclosure agent ( XXXX XXXX XXXX, XXXX. ). XXXX XXXX XXXX, XXXX. did not even request a DMV title report until nearly 4 months after closing and then conveniently overlooked that a title and lien existed. I have spent a ridiculous amount of hours over the last several months trying to get the lien released and have them send me the title from the DMV. I literally had to show Bank of America where on the title report the lien and title number were and they refused to help me at all until I had a DMV title report on the property. I finally received the lien release in XXXX XXXX but if I turn it in to the DMV then they mail the title to the former owner ( who is deceased and did not have an estate to distribute ) .Both Bank of America and XXXX XXXX XXXX XXXX XXXX. refuse to fill out the form and request the title from the DMV. I have offered to fill out the form for them and send them the 10 bucks. I know it is common practice for Bank of America, XXXX XXXX XXXX and other big banks to refuse to get Manufactured home titles but it needs to stop. Why do n't they have to follow the law? They market and advertise these properties as single family residences and then do a bait and switch maneuver. They use hold harmless forms to avoid complying with the law. These tactics are frustrating and cost their customer extraordinary amounts of time and money.This is really simple fix for either Bank of America or XXXX XXXX XXXX, XXXX. and I only want them to do what should have been done when they foreclosed on the property. If I could do it, I would. I have spent countless hours on the phone with Bank of America, XXXX XXXX XXXX, XXXX and at the XXXX without success. 

This is a really easy fix for Bank of America and/or XXXX XXXX XXXX, XXXX. It does not have to be this hard. It is 10 dollars maybe 20 dollars and a stamp which saves everyone a lot of time, money and aggravation.

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 2023-02-18
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 am formally requesting with this CFPB Complaint to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX Balance {$43.00} Opened XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Synovus Bank
State: TX
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on FSTPROGRESS. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, 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: 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 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Credit Technologies, Inc.
State: TX
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:
There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: SYNCHRONY FINANCIAL
State: VT
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:
At the end of XX/XX/XXXX I requested a balance transfer of {$1900.00} from XXXX XXXX XXXX  ( XXXX ) to Paypal Credit ( Synchrony Bank ). I repeatedly checked for an email response. The offer of a no-fee transfer expired XX/XX/XXXX, so I tried again. Both transfers were processed by XXXX even though it exceeded my credit limit. I had assumed that they would not allow that to happen. As soon as I saw my balance on-line I called to try to correct it. At that time XXXX   customer service told me they would be able to cancel the second identical payment. When I received my first statement my balance was {$3900.00}, double my {$2000.00} credit limit. This negatively affected my credit score. I called cust. srv. again and explained situation. They assured me it would be simple to correct. I waited til the next statement and it was not corrected. I called again. This time they told me check XXXX for {$1900.00} was sent to Paypal on XX/XX/XXXX and check XXXX for {$1900.00} was sent on XX/XX/XXXX. I waited for my Paypal statement and saw they had applied only one payment. I called them with the check info XXXX  had given me. They said they would look into it. Weeks later I got a letter saying they had received only one payment of {$1900.00} and the error was XXXX 's. I had comenity send paper copies which I relayed to Paypal. After another month, no correction or resolution. I have spoken to XXXX c.s. five times and received the same copies three times. I have spoken to Synchrony c.s. three times and spent {$18.00} in fees to fax them all XXXX has provided me. Each company points the finger at the other and show no interest in actually speaking to each other and tracing those funds. I did not send any check or receive any check so I do not have access to any bank information. I am helpless at this point. They are the only people who can actually find out what happened to those funds and they refuse to do so. I need help. This has negatively affected my health and credit score. Please hold them responsible for solving this discrepancy. I am XXXX and live on Social Security. My entire monthly income is much, much less than {$1900.00} and I am very responsible about handling my debts.

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 2023-06-19
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 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 2019-09-24
Company: AVANTE
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Advante USA placed a new collections on my credit report on XX/XX/, 2019. I have no correspondence of this debt. I have no debt with this company. I have no contractual agreement with this company. I have no debt on this date. Company states I owe them {$1200.00} out of nowhere. Can not seem to contact such company. Can not understand how this is legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Pnc banks eliminated one of the few remaining customer service benefits. The machine that accepted your coins and provided you cash in exchange. Not only do they hold my money and pay no interest, now they have discontinued one of the few banking services I actually value. I guess they really do n't want bricks and mortar locations. Another consumer takeaway.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: American Collection Services, Inc. (OK, TX)
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I pulled my credit-I found over 38 medical accounts for XXXX XXXX XXXX and a few other doctors offices and hospitals-I contact the medical offices and hospitals and found out that these charges are fraudulent and several of the accounts are charges for visits I didn't even attend. I contact the attorney general in my state and an attorney. They informed me to filed a fraud affidavit and complaint with their departments. I sent this paperwork to the credit reporting companies and to the this collection companies. American Collections and XXXX XXXX XXXX ( which are the same companies ) refuse to remove any of the accounts. I haven't received any paperwork and they keep reporting the accounts inaccurately on my credit reports. One account alone with the same account number and service date-shows a different amount owed with each credit reporting company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TO FIX THE INCORRECT ACCOUNTS BY HAVING IT INVESTIGATED

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 2020-12-11
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XXXX XX/XX/2020, I placed the amount owed on my credit card in dispute. Comenity Bank failed to place the amount in dispute. On or about XXXX XX/XX/2020, I received a letter stating that the amount was in dispute and that no fees or interest would be assessed to my account. On XXXX XX/XX/2020, Comenity Bank added an interest charge to the amount that was in dispute. On XXXX XX/XX/2020, on a conference call with XXXX from Comenity Bank and XXXX from Wayfair, it was obvious that in the last 2 months despite being told an investigation had been ongoing, Comenity Bank never conducted an investigation and continued to assess fees on an amount in dispute. During that call, XXXX from Comenity Bank heard that Wayfair did indeed fail to process a refund and that an additional credit would be applied - as I suspected and which was why I initiated a dispute with my credit card. I believe, as does XXXX, that when Comenity Bank broke away from Wayfair charges and pending refunds were not properly handled by Comenity Bank. I fear and believe that many other consumers were victims of Comenity Bank and that because of their tactics of delay and ignore and not do anything - many consumers have and will continue to be hurt by Comenity Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$540.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This collection was pay to delete however, the balance is still reporting on my credit report. I have attached a copy of the receipt from XXXX dated XXXX for payment in full of {$540.00}. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After discovering that a debt collection company and Trans Union were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. 

Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. 

In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. 

If the company persists in these practices, I will be forced to take legal action. 

I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: DISCOVER BANK
State: VA
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:
XXXX  XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX  XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. 

According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. 

I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX  under the FCRA but hasn't received a timely response regarding my written consent. 

Each CRA hasn't responded yet regarding my written consent. XXXX  XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score was XXXX before Santander Consumer USA did something negative to my credit. 

Obtained loan : XX/XX/2018 Have made payments every month, they will not release my credit score. 

I have a letter from them stating they have received my request to reinstate credit reporting. 

I am in XXXX XXXX, I work everyday, and I go to college full time. 

Santander has totally wiped out my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Made a purchase from Amazon using my Amazon credit card XXXX for XXXX. Merchandise was defective, returned the purchase however refund was put on gift cards. Amazon refuses to correct refund method, also has forced additional purchases to be taken from gift card without my authorization.

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 2019-11-06
Company: INVESTORS BANK
State: NJ
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:
I have opened a Business Checking account with Bank ( Investor 's Bank ) of XXXX XXXX NJ about a year and a half ago. I chose this bank because the business account carried no monthly fee. 

In XXXX of 2019 I was called by the bank representative and told that they are changing account terms and that starting XXXX my account will be charged monthly. I advised the representative that I do not authorize a charge and to close my account immediately. I was out of state and unable to physically come to the branch. At the time the account only had XXXX cents in it. The representative said I need to come to the bank to pick up the balance. At the end of XXXX I was in a major car accident and was also moving and unable to come to the bank. 

In XXXX I checked back on the online banking service and did not see my account was unable to view anything or have any access so I assumed my account was closed. 

In XXXX I have received a letter that my account has a negative balance of XXXX. I was very confused by this and attempted to call the bank but it was after hours. On Monday XXXX, XXXX I physically visited the XXXX XXXX branch and explained the situation. The representative called the XXXX XXXX Location and said that they can not waive the charge and that XXXX XXXX is unwilling to waive the charge and will not close my account until the balance is paid. 

I told the representative that when I signed for the account it was a free service. I have never received any paperwork stating there will now be a charge and I never signed anything authorizing a charge. The company can not illegally charge fees that were not previously agreed upon and steal money from their customers. I was told there is nothing they can do for me.

Company response to consumer: Closed with explanation