BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-11
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:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX and 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 2021-09-09
Company: ALLY FINANCIAL INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
The car was involved in a car accident last XX/XX/2020 the car was paid by my insurance and gap insurance and I will said over paid and the Company still reporting to my Credit as account not fully paid.

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 2020-05-07
Company: Advantage Credit, Inc.
State: NY
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 are many hard inquires on my credit report that I did not authorize. They are from brokers that did not ask my permission. XXXX XXXX was my mortgage broker and I was told he would run my credit once which was fine ... ... Then I seen how many times he ran my credit without my consent he never told me and he denies it when its all on my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 someone allegedly impersonating me by allegedly showing an ID that matched my information ( although teller did not make a copy of the presented ID ) walked into a US Bank branch in Missouri ( I live in Illinois and have never been to Missouri ), filled out a counter withdrawal slip that does not match my name or any signatures on file, and was successful in walking out with {$5100.00}. The fraud department requested a provisional credit from the specific branch in Missouri on XX/XX/2020, stating to me that this should not have happened because the counter withdrawal slip does not match name or signatures. I also filed a police report and reported alleged identity theft and secured all of my accounts and identity with XXXX and placed a freeze on my credit. I have not heard anything else about it from the bank despite calling them multiple times about the provisional credit and providing them with everything they need. This is a large sum of money and I am baffled at how someone is able to walk out with such a large sum of cash after having filled out a counter withdrawal slip with a different name and signatures that do not match. My name is not very common and the account was opened in Illinois and i live in Illinois. I believe the bank was extremely negligent in disbursing these funds or in was an inside job since I am a POA on that account and I am not sure how anyone would know this information except for the bank, and the bank is now dragging their feet in reimbursing the account. Thank you.

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 2021-09-09
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
In XXXX  I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. 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 2019-09-18
Company: SYNCHRONY FINANCIAL
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:
My XXXX profile shows two recent hard inquiries that I did not initiate. I called both institutions and they are canceling pending credit card applications that I did not initiate. I would like these hard inquires removed from my credit file : Syncb/tjx Dc Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information Syncb/tjx XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXX/XX/XXXX. 
Institution Information XXXX XXXX XXXX, DE 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 2020-07-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following Reported information listed on my Chex Systems Consumer ID Report : XXXX is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, {$990.00}, 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, the 9 Inquiries Viewed By Others listed on my consumer report is unauthorized and fraudulent, and the 18 Inquiries Viewed Only By You is fraudulent and unauthorized.

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 2021-11-04
Company: SYNCHRONY FINANCIAL
State: VA
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 noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX Syncb/Care Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/TJX Co Dual Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Syncb/Paypal XXXXXX/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 non-monetary relief
Consumer complaint received 2020-05-07
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am following up to my complaint # XXXX. This complaint was not resolved by Wells Fargo. A letter was sent to you stating they resolved this matter. They did not. I was not provided a copy of the Hold Harmless/Indemnification form that was sent to XXXX XXXX. No explanation was provided as to why XXXX needed this form, who it was sent to, when it was sent, and what happened to my recalled wire transfer. The letter was signed " XXXX XXXX '' from Wells Fargo. This person does not have an extension when contacting the number provided on the letter. Please do not close this complaint, as it is not resolved.

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 2021-09-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Equitable Acceptance Corp
State: MO
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:
After graduating I received tons of phone calls concerning loan forgiveness, lowering payments, etc. a company called XXXX XXXX XXXX  called and used scare tactics to get me to sign up with them. They told me my income driven repayment, which due to my age and low XXXX income were {$0.00} at the time, was going to go up to $ XXXX  monthly This terrified me as I only receive $ XXXX  monthly. So, I signed I up to pay them $ XXXX   monthly for 25 years. I am in a mortgage program with the XXXX XXXX of which I am a tribal member. I paid Equitable for approximately 2 years. Then on my last visit with my mortgage counselor, he told me that company was a scam and to quit paying them and to also call the Federal Trade Commission about them. I came home and called the FTC and quit paying Equitable. When they did not get their next payment they called me. I told them why I had quit paying them and the lady hung up on me. I didnt hear anything else till last week when I received an email from a company called XXXX XXXX telling me I had ten days from the date of that email to contact them regarding my debt to Equitable. I called the number and got voice mail. I left a message and never got a call back so I called again a few days later and left another message and still got no response. Since then, I have emailed them 3-4 times requesting a way to contact them to no avail. In the meantime, they reported this to the credit bureau which caused my credit score to drop dramatically damaging my ability to get a mortgage. My student loans are in the process of being forgiven and that should be finished in about 45 days. XXXX told me that once theyre forgiven my loans will show a XXXX  balance so will improve my credit score and I should be able to get my mortgage. However, XXXX XXXX And Equitable are still on my credit report. The FTC said you might be able to help me with that company and getting that off my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
In XXXX I was notified of a debt collection from XXXX XXXX XXXX. The account had passed to legal timeline for legal collections, yet at that time I settled the account in XX/XX/2020 for {$410.00} on a {$730.00} balance. XXXX XXXX refuses to remove the collection from my credit bureaus, trying to collect twice on an account that is at least eight years from the default timeline. This account from XXXX is a form of credit XXXX, that I request a full investigation from the Consumer Financial Protection Bureau, and each respective credit reporting agency for the serious violations XXXX XXXX is committing to its subscriber agreement with each respective credit bureau. I demand this account be purged from each credit bureau permanently. 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 2019-02-11
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:
Kindly fix the accounts and make the necessary corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: EQUIFAX, INC.
State: NV
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:
The following accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX, XXXX XXXX XXXX  XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In late XX/XX/XXXX I opened a US bank checking account to take advantage of a XXXX  fee checking account offer. During a conversation with their customer service team, I was asked if I would like to apply for the US Bank altitude reserve card which was " exclusive to US bank customers ''. I applied for the altitude reserve with the following terms ( PDF of terms is also attached ) {$400.00} annual fee {$320.00} statement credit for eligible travel related purchases 50,000 bonus points upon charging {$4500.00} in the first 90 days Bonus points are worth {$750.00} of travel if booked through the US bank travel portal. 

On XX/XX/XXXX I was approved for the US Bank altitude reserve card. Several weeks later, I met the spending requirement of {$4500.00} and paid off the charge plus the {$400.00} annual fee. I have attached the {$4900.00} payment I made to US bank on XX/XX/XXXX. 

After making this payment and paying the annual fee, I should have been entitled to the {$320.00} statement credit and 50,000 points as per the agreement. 

However, almost immediately upon completing the requirements for the bonus, US Bank closed my altitude reserve account with zero notice. I found out when I tried to log in to online banking and did not see my credit card account online. Customer service gave me the run around, telling me a fraud alert had been placed on my account, then asking me to call a different department, then asking to verify other information etc. 

After about a week I was finally told my account was shut down due to " risk prevention '' with no further explanation given. There was no opportunity to appeal this unilateral decision. This is after my altitude application had been reviewed and approved for over a month. Furthermore my annual fee has not been refunded and I have lost {$320.00} in statement credits and {$750.00} in travel benefits.

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 2019-03-19
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 was going over my credit report I noticed an from XXXX XXXX BAL {$1800.00}, XXXX XXXX {$XXXX}, I have never had an account or contract for service with THESE COMPANIES. I was recently a victim of fraud and I demand that they provide historical data regarding all consumer materials reported to any credit reporting agencies for my name XXXX XXXX. Since serious problems may be present in those files, I am compelled to demand that your company send all validation materials promptly. Moreover please attest that any third-party collection agency, if engaged, is bonded to collect in my state of residence due to unfortunate financial events related to my having been a victim of fraud. This is not a request for a non detailed overview. Instead, I am calling for a full verification. If this documentation can not be provided within 30 days, any detail sent by your company to the credit bureaus should be regarded as unreliable and may evidence a disregard for the Fair Debt Collection Practices Act or other applicable statutes. In that case, annul such consumer information without delay. Thanks sincerely for XXXX XXXX diligent examination of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 have sent multiple letters to the Credit Bureau trying to remove inaccurate information from my credit report. My goal is to purchase a home but I am being held back because all three of the Credit Bureaus are violating my rights as a consumer. I sent letters on XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. I have sent the last set of letters certified, and after multiple requests for re-investigations I know that 30 day rule is out of the window. This has been a HUGE inconvenience for me, and I want this matter solved ASAP.

There are several items on my credit report that are reporting inaccurately and they should be removed.

TransUnion, XXXX, and XXXX have yet to send ANY correspondence for my requests and completely ignored every letter.

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 2022-01-07
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
On XX/XX/XXXX I purchased a Moneygram money order for {$500.00} to pay a bill. A few minutes after making it out to someone I found out I did not have to pay that bill. Neither the store that sold it to me nor my bank would cash it so I went online to moneygram.com and completed a refund request form. I am attaching the acknowledgement letter I received frim XXXX. stating my refund will take 3-4 days as I requested expedited processing for {$45.00} and overnight mailing for {$22.00} for a total cost of {$67.00}. I did upload to the XXXX website photos of the money order & the stub receipt as I still had & have in my possession within minutes of moneygram requesting them on XX/XX/XXXX. I called after a few days to check the status and a rep told me they had received my uploaded photos & my refund would be issued on XXXX XX/XX/XXXX. I just checked their website & my claim is still sitting with no progreess andNO refund. That department does not take calls and I was told the managers were not available to speak with me! 
This is completely wrong and seems like theft and there should be something that can be done!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: Navient Solutions, LLC.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sufficient evidence the debt in question is not in default, and has been in repayment based on the agreed upon terms of {$200.00} per month since XXXX with the Department of Defense. Furthermore, the amount that is stated as owed is incorrect and should be corrected to reflect the actual balance due. My records indicate the amount outstanding after the four subsequent wage garnishments is {$9600.00}. While in administrative review, I expect the amount in question to be held constant and only be netted down in the even a wage garnishment is applied. The exhibit below shows the payments made since XX/XX/XXXX, showing consistent and continual payments. 


Secondarily, I object to the administrative fee that was applied to the note of approximately {$5000.00}, which represents approximately $ 41 % of the total outstanding loan balance. This practice and act was not approved and I gave no prior consent to adding this fee, it is also applied in error as this should have never been moved over in the first place to the US Treasury and should have been kept and housed within the DOD repayment website. This fee amount represents predatory lending practices and is a fee that is unconscionable, especially since the 10yr US Treasury Yield is 2.668 % as of XX/XX/XXXX. The mere size and existence of this fee is unacceptable ; in other terms it represents 2 years of hard work and labor paying down the note. 


As of XX/XX/XXXX - Four wage garnishments have been extracted from my pay in the last 36 days equating to {$3700.00} challenging my ability to pay my normal monthly bills and living expenses to support my wife and child. 
An agent of XXXX XXXX XXXX stated they were unwilling to accept a settlement agreement along with not responding to my formal request for a hearing.

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