BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
TRANS UNION, XXXX, XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ran an unauthorized credit inquiry on me on or around XX/XX/2017.I never give written, oral or signature to authorized such a transaction.

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], In addition, as part of your investigation, I am not understanding how these dealerships have salesmen that outright lie and misrepresent a potential customer or client. I was totally unaware that this gentlemen had done this to my credit. 
I have another request that I would like to be honored for exclusion / early deletion for the inquiries that are with my permission and I due to fall off in a few weeks. I humbly ask to have XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  If you have any questions or need additional information, please contact me at address listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Phone XXXX Thank you. 

Sincerely, 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 2023-02-10
Company: EQUIFAX, 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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. 
My credit report includes the following erroneous accounts that need to be investigated and corrected : XXXX XXXX  XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX XXXX Balance Owed : {$170.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Colony Brands, Inc.
State: CA
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:
Yes hello, I am being harassed buy a credit company XXXX  XXXX/Swiss Colony for a charge-off debt on my credit report. 
My account was closed and posed as a charge off on my credit report in XX/XX/XXXX, because of late payments that could not be made due to the loss of my job and no income at the time. 
Since that time and now/recently once again, they have continually intentionally put a bad mark on my credit reports as a charge off once again on XX/XX/XXXX. 
Like I said this is harassment and I would like it to stop! 
I'm fully aware of the amount owed/due, which is {$210.00}, not {$860.00} of the whole amount. 
I have made many payments on this account and they are trying to stick me for the whole amount/bill which is wrong and illegal. 
I would simply like to have this issue resolved/resolution made as soon as possible, I would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: Fidelity National Information Services, Inc. (FNIS)
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and my consumer ID is XXXX. Chexsystems has been sending me letters stating that my disputes have been verified and that they will not remove the credit inquiries from my chexsystems report even though I never attempted to open a bank account with those companies. I want Chexsystems to send verifiable proof that it was me who opened those accounts or to remove the inquiry immediately. 

Remove the following inquiries off my report immediately as I have never attempted to to open an account with them. 

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 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 2018-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
This is the third time I have complained about this issue, I am no longer associated with these following addresses and they need to be removed ASAP. I would like my information to be removed from all pre-screen products and insurance promotions. Please delete the following addresses : XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 2018-09-26
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
( 1. XXXX ) In XX/XX/2018 I spoke with XXXX XXXX XXXX store card to ensure my payments would be allocated to promotional balances. 
In XX/XX/2018 I was charged interest so I called in to inquire as to why and they talked me through selecting this online ( even though I had already done this in XXXX. Today I was updating my budget in preparations for the holidays and noticed approximately {$160.00} in fees that resulted because my payments were, again, not allocated. I spoke with a supervisor who said " this does happen frequently but you know, we do expect you guys to check in every month. '' She refused to pull recordings of past conversations or verify who/how my selected allocation preferences were changed and said that she was unable to assist in recovering these funds in any way. 

( 2. XXXX ) In XX/XX/2018, I was solicited at a gas station to take advantage of an amazing promotion : 5 % cashback for nonfuel purchases XXXX cents per gallon in fuel credits up to {$1000.00} purchases XXXX cents per gallon in fuel credits for every gas purchase We were going on a month long road trip and these promotions sounded perfect- I would make payments every few days and could get all of our gas, other purchases, even pay bills back home. 
The card was consistently declined, despite the money being out of my bank for nearly two weeks at a time. 
Once the payment did " clear '', the purchases I would make would also take longer than usual to appear. 
This caused a number of hardships for us : we were not able to purchase or make payments toward things we needed because they took our money out of the bank but withheld it for so long ( multiple difficulties and additional funds/fees from our other sources ) It also frequently made the very promotions they solicited us with, invalid ( roughly {$400.00} ). 
I called for a supervisor twice and was told none were available.

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 2018-09-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I XX/XX/2018, I tried to close a XXXX balance HELOC with Bank of America. They did not close the account due to the charge of a XXXX dollar re-conveyance fee. After I was informed of the XXXX dollar fee, I paid the fee and they still will not close the account because they decided to impound flood insurance. I have an elevation certificate, so I do not pay flood insurance anymore. They started charging me flood insurance ( I do have a first mortgage on the home and they do not require flood insurance ) When I pressed the B of A flood department for more information, they lacked basic flood knowledge. The did not know what a LOMR was or what pre-firm meant on a flood map ... ( real experts ). They told me to call FEMA ( which I love to do during hurricane season because they have nothing to do ). I do not have time for their incompetence. I asked several times for a licensed individual to talk to or someone with an NMLS number that could be held accountable. They did not provide anyone who was licensed despite numerous requests. 

I asked them to close account in XXXX ... still not done

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-25
Company: EQUIFAX, INC.
State: FL
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:
My problem is with Equifax. In XX/XX/XXXX, I applied for autoloan and I discovered that among the 3 bureaus, Equifax was not able to provide my credit score. This surprised me because I have established credit lines since XX/XX/XXXX. So, I called them and spoke to different agents on more than 5 occasions and I was told that they couldn't locate me in their system at all even after using different personal information. As advised, I faxed and mailed them the documents with my personal information to help solve the issue. I just got a response letter from them saying the same thing, that they could not locate me in their database. Precisely! That was why I contacted them to find out what was happening and find ways to get to the bottom of this. At the same time, I called all my banks and creditors to verify if they have been regularly sending reports to all 3 bureaus which they said they do on a monthly basis to all 3. I reached out to Equifax again and asked if they have other ways to resolve my issue but I was told to do the same thing. It seemed like they have no other process in place for this kind of issue but to keep asking you to send your documents to them. After few months of countless inquiries with them, I tried talking to them again to follow up, but to my frustration, I still got the same closed ended answers. " I could not find you in our system. Send us your documents with your personal information '' I requested them to investigate deeper as there could be some technical glitches or mishandling of data that caused them not to receive reports from my creditors, but nothing happened. I really think there is a problem on Equifax side because how come my husband who has the same credit companies as I do, has credit profile in Equifax??!! I need your help to find resolution to my problem. I have been wanting to buy a house since last year but this is really holding me back. I feel helpless of just being told that I am not in their system and not knowing what to do next or where to go for help. After so many times of communicating the same issue, still, they are not exerting any effort to identify the root cause of this. 

I read a blog that your office was able to help him resolve this same issue that I have. I am hoping to get a positive response. 

Thank you! 

My credit companies : XXXX  XXXX XXXX ( credit card ),  XXXX ( credit card ), XXXX XXXX ( Auto Loan ), XXXX XXXX XXXX  ( Auto Loan )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On XX/XX/2020 I booked a vacation to XXXX XXXX through XXXX XXXX XXXXXXXX, located in XXXXXX/XX/XXXX, for a total of {$1400.00}. The vacation was set to last from XX/XX/2020 to XX/XX/2020, at XXXX XXXX XXXX XX/XX/XXXX resort. On XX/XX/2020, after closely monitoring the COVID-19 Pandemic in both the United States and XXXX XXXX, we decided that we would be forced to cancel the vacation and immediately called the agency, XXXX XXXX XXXXXXXX. We explained the situation to them, and they said that it was no problem to cancel the vacation, but a {$50.00} cancellation fee would apply. We agreed and they mentioned that it would take 180 days ( 6 months ) to receive the money back in my account. After over 6 months of waiting, I called the agency up to check the status of the refund on XX/XX/2020. The representative, XXXX XXXX, was the same person who helped us book the vacation. She said that the department that handles the refund is closed because of COVID-19 and she advised me to start a dispute through my card company. After trying to make a dispute through my Capital One company, they said that it was outside of the 120 day period that they could do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-20
Company: SYNCHRONY FINANCIAL
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
An account was opened fraudulently in my name in XXXX. I was unaware of the account being opened until recently ( XX/XX/XXXX ) as a result of applying to re-finance my mortgage. I immediately  reported it to the issuer ( Synchrony ) and was just told they are denying my dispute. I did not open this account and my credit score is now being affected adversely.

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 2021-02-24
Company: T.S. Holdings
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
IQ data On XX/XX/XXXX first call atempt was told I could not make a seetlement requested it in writing nothing sent Called early XX/XX/XXXX to seea bout the debt I did inquire about a settlement then was told to provide a card for payment I did to run at a later date. Call dropped. 

XX/XX/XXXX- called to cancel the payment as I have a right to was told I coukd not and was disrepected and was threatened with a phone call to my job about garnishment and that my kids were really going to suffer now. Was told about using my taxes to pay it off which was fine however he swore he knew i received my taxes already which he would not know, and even if I did he can not tell me how to delegate my finances. 

I understand if I get garnished however I don't deserve to XXXX forced into something I cant do at the moment as I presumed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: CITIBANK, N.A.
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:
FIRST, I WANT TO THANK YOU FOR YOUR PREVIOUS HELP WITH CITIBANK, N.A., NOW THE NEXT PROBLEM ... 
AS OF MID XXXX, CITIBANK , N.A . HAS REPORTED TO THE 3 MAIN CREDIT AGENCIES, XXXX, XXXX, XXXX, THAT OUR HOME EQUITY LOAN ACCOUNT # XXXX HAS BEEN PAID IN FULL AND SHOWS NO BALANCE. AS OF MY XXXX PAYMENT TO CITIBANK, MY BALANCE IS ABOUT {$49000.00} +, AND FOR SOME STRANGE REASON WHEN XXXX AND XXXX RECEIVED THE LAST BANK REPORT MY FICO SCORES DROPPED FROM THE NEAR 800 LEVEL. 
IF THE CITIBANK REPORT IS TRUE THAT THERE IS NO BALANCE I HAVE NO IDEA WHO PAID 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 2018-09-26
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I payed off half of my credit card bill with the promise that the next payment would automatically be taken out the next month ( XX/XX/2018 ) I canceled the card at that point. For whatever reason, the debt collector did not take my automatic second payment which we agreed upon and now I owe a past due amount of {$130.00} in total. I do not want to do this because it was an error on their end. The collection agencies for XXXX XXXX are relentless and they call me all day and all night from random numbers, including XXXX area codes and no name numbers. I spoke with XXXX XXXX about this as well and they were no help whatsoever. I only used this card one time and canceled it with the acknowledgment that the second and last payment was going to be taken out of my bank account in XX/XX/2018 and this is still happening, ruining my credit score and accumulating interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
My identity was compromised and the attached credit cards were created without my knowledge and charges were made, all without my knowledge

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 2020-11-03
Company: Conn's, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I made contact with Conn 's XXXX XXXX to make payment on 2 accounts that I had in collections. They provided me with the number of the collection agency who held the account. I contacted the collection entity and paid both accounts in full. I made two payments on XX/XX/2020. One for {$570.00}, and another for {$400.00}. I never received a letter from Conns showing debt was paid in full. 

I ran my credit report which showed that Conn 's was still reporting this as a valid debt so I filed a dispute with the credit bureau XX/XX/2020 and they responded that this was a valid debt. 

I then made contact with Conns who sent me to multiple collection agencies to resolve the matter and non of them where able to assist. The originial creditor whom I paid indicated they had no record of the payment and that Conn 's had moved the credit file to another collection entity and I needed to contact them. This happen 2 more times before the last collection entity TSI directed me back to Conn 's to have the issue resolved. I sent Conn 's a copy of my dispute letter and my bank statement showing where I had made payment on the accounts on XX/XX/2020. Conns ' has yet to reply to me as to the status of my account nor have they provided a letter showing that I paid this debt. 

This collection is impacting my credit score and my ability to move forward with purchasing a home. 

I have talked to multiple collection agencies associated with Conn 's as well as multiple conns representatives. As of today XX/XX/2020 conns has reported that are waiting on the collection agency to report back even though I provided them with proof of payment. I do not feel like it is fair to me as the consumer if the collection agency did not follow process in this case. 

Conn 's did send me an email on XX/XX/2020 that they would have resolution to my concern within 72 hours and I have still received no response. I sent a follow-up email with still no response and I called today XX/XX/2020 and they were not able to give me an update. 

This is not a valid debt and my credit file should be updated and a letter sent with verification of this. Conn 's has all the information they need to remove this debt. I would be happy to provide Conn 's yet another copy of my bank statement showing payment made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: MA
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:
At this time, I respectfully request a copy of my Experian, XXXX and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX. Your professional cooperation will be greatly appreciated. 
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 2023-04-11
Company: PNC Bank N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX my account was closed and {$11000.00} was debited from the account after 3 years going back and forth. The bank claims they sent the money to someone else. They have not provided proof of whom they sent the money to. This has been going on since XX/XX/XXXX. I filed a complaint then and nothing happened. I filed another complaint on XX/XX/XXXX thats when the bank decided they had made their interest and fees They finally gave me access to the account and lifted the freeze after 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: IL
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 sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

Company response to consumer: Closed with explanation