BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I was trying to buy a laptop at Best Buy. There was a sign advertising 10 % off of you opened a card that day and the rep sold it to me. He opens a credit card with citi on the phone and I am approved. Then we go to try to use it, and citi says they cant verify my id after having just taken all my information to open a credit line in my name because I bank with XXXX  and not citi. I asked the guy how often this happens that someone opens an account and cant use it. He said often. 

During the application process on the phone, they collected my social security number and replayed on speaker phone to the whole department. 

I ended up paying with my own XXXX  credit card at full price even though citi now had collected all this information on me which they will likely now sell and Best Buy promised 10 % off. 

So I want to expunge this fraudulently opened account from my credit report. It was opened in bad faith. 

I tried mediation with citi through the AG. They did not cooperate and the NY AG told me to go to small claims for the XXXX dollars. 

I have since returned the laptop. I dont want this fraudulently opened card on my credit report The NYAG intake number is Intake # 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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
In XX/XX/XXXX I was the victim of identity theft. An unknown person or person ( s ) phished my information via email by fraudulent means. This email I received said it was from XXXX and that I needed to verify my identity with XXXX. This email turned out to be fake, however, my credit card information wtih XXXX was compromised and it was used to make purchases between XX/XX/XXXX and XX/XX/XXXX. I reported this to XXXX and to Capital One. Capital One reported a 30 day late mark onto my credit in XX/XX/XXXX even though these charges on my account were not mine and is refusing to remove the negative mark on my credit. I want this 30 day late removed from my credit report on all 3 bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: WELLS FARGO & COMPANY
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Wells Fargo Education Financial Services offering to settle on an outstanding loan ( I assume private Student Loan ) that I did not know existed. The settlement amount was XXXX I immediately responded listing my concerns but did not get a response but on XX/XX/XXXX. received just another copy of the XX/XX/XXXX. settlement offer!

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 2021-06-14
Company: EQUIFAX, INC.
State: MS
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:
on XX/XX/2021, i sent XXXX, equifax, and XXXX  letters requesting the validity of the inaccurate items they are reporting on my credit report and the inaccurate personal information that they will not update that may lead to identity theft.i sent it off certified mail and the number is XXXX  # XXXX EQUIFAX # XXXX XXXX  # XXXX this is stressing me out and keeping me from getting a home

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Bread Financial Holdings, Inc.
State: OH
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:
Hello, I have dealt with this same issue with PayPal since I was credit the amount of {$15.00} back on XX/XX/17. Every billing cycle since, I keep getting charged {$15.00}. I have called every month to have PayPal handle this, and I have gotten all kinds of reasons why it was charged again ; that it will be handle and I will get the credit, and yet it 's has not been taken care of. I have also been charged a interest fee of {$2.00}, as I did not pay the {$15.00}, so now it showing I owe {$17.00} ( on top of what I actual owe ). I mention to PayPal that if this is not rectify by the next billing statement ( which I just received ), that I would be making a formal complaint with other agency, and here I am.
<P/>
I have attached several statements that I have added notes to, to keep track of, along with the most recent emails. I need for PayPal to credit the {$17.00} once and for all, as I am tired of the runaround I have been receiving. <P/>Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
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: Was not notified of investigation status or results

Complaint:
On about the dates of XXXX-XXXX through XX/XX/XXXX I went online to Equifaxs online dispute platform to file a dispute of accounts that are listed and should not be there.Today is XXXX-XXXX and They have not provided me with the results of the investigation. This is a complete violation of the FCRA. Please investigate this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My loan payments were always sent on time. I keep explaining this to Transunion 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

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 2019-01-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-06-14
Company: EQUIFAX, INC.
State: MA
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 XXXX XXXXXXXX made a Typo in my SSN number entry that led to incorrect SSN number update in XXXX XXXX and Equifax records. 

This further caused issue in my Federal Refund that is now delayed, IRS issued letter XXXX which requires me to verify my id on XXXX that uses XXXX  for reference and the online ID verifications are failing. 

I suspected and then got the typo in my SSN corrected at XXXX XXXX XXXXXXXX on XXXX XXXX, and also raised individual dispute cases with Equifax, XXXX & XXXX , however my SSN data have still not been corrected. XXXX XXXX dispute notification now incorrectly states 'The issue date of Social Security number that you gave us when you contacted us is not verified by the Social Security Administration ', while infact they did not ask me for this information during my phone call with them, and the documents that I have uploaded for them are scanned copies of my original SSN card, W2 and my license. 

I am now unsure if it is a XXXX problem or XXXX, and they are making me go pillar to post without taking full accountability to correct my personal information in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for TJMAXX ( merchant ) card when I made a {$56.00} purchase on XXXX XX/XX/XXXX. 
I never received a credit card due to the misspelling of my name and an inputted incorrect address. The credit card was returned ( according to a customer service rep that I spoke to ) ; and apparently, several bills were sent with accrued fees/interest. Not sure where those bills ended up. XXXX XXXX XXXX. took over the debt and sent me a bill for {$190.00} ( on XXXX XXXX, XXXX ) but when I wrote to them about the problem, they sent the debt back to XXXX XXXX ( original creditor ) who then sent me many copies of statements that had been generated but never came to the correct mailing address. 
I called customer service at TJMAXX on XXXX XXXX, XXXX hoping to pay my original purchase price, but the recording stated that my account has not been activated!?? 
I am afraid to remit {$56.00} instead of the statement amount of {$190.00}, there will be more confusion.

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 2017-07-05
Company: Experian Information Solutions Inc.
State: KS
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:
XXXX XXXX XXXX Account Ending in XXXX This card reflects delinquency in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, this account has payment protection on it. First, the card had been  attempting to collect on the delinquent payment and knew it was due to a job loss, but never applied the credit protection program that I had been paying for ( a subsequent bill is attached showing the charge for credit protection ). <P/>Specifically, please pay attention to pay 5 of the attached where it reflects the charge for the credit protection as : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1.00}, I have had this protection program since the accepting the card. <P/>Additionally, once the payment protection program was contacted they were to make all back payments, as well as remove the negative marks as it was an essential part of acceptance of the credit card as I had a reasonable expectation under the UCC section 2-201, that the minimum monthly payments would be made during the time of my job loss, and no derogatory marks be reported at inception and as a result of the promises made by the credit protection team. Further, the fact that XXXX XXXX XXXX attempted to collect on the debt knowing I had lost my job and not applying the credit protection program during our first communication in XXXX is a violation of UCC section 1-304, as XXXX XXXX XXXX was acting without good faith and with unclean hands.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-28
Company: General Motors Financial Company, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX I went to pay my lease payment and my account stated it was paid for so I called GM telling them that a payment was applied to my act. They stated that it was paid and that I had an extra payment. I thought it was funny. I kept an eye on the account. When I got a bill by mail stating a double amount I immediately called and they said the payment was reversed bc it was applied to the wrong act. They apologized and I immediately made the payment. They indicated and they said its recorded that it was their mistake and that it will not be reported. Well I have my credit monitoring since I have good credit and they reported me late. I called them and asked them to check their notes, I have left messages, I sent them a phone call request through GM Financial website, I have yet to hear from anyone. I have disputed this 2 x and they keep saying is correct. I even asked for the fax # to their legal department. I am not going to allow them to XXXX me like that after I am a single parent working myself with 2 jobs and making sure my debts are paid and on time. I do not know what else to do. Its not fair. I have cried because company like this one do mistakes and nothing is done and then they XXXX us up. 
I need this to be deleted out of my credit report, as this is the only thing that is on my report negative and it was not me, they should be able to teach their employees how to apply payments to the right account and on my recorded call, I told them are you sure they said yes, they are sure. I need help. Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-02
Company: Experian Information Solutions Inc.
State: FL
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:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. 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 non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had been reported by bank of America to XXXX XXXX, early warning system and others agencies because I close my account when I owned XXXX dollar on it. they told if I pay the bank they will remove me from XXXX XXXX. I have pay the money I owned and now bank of America is telling me that they can't remove me and XXXX XXXX is telling me the samething. the only thing I can get from then is if a goverment agency contact then they will remove me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
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: Account information incorrect

Complaint:
XXXX XXXX XXXXXXXX and Equifax are showing multiple late payments on my student loans in XXXX and XXXX of 2017. All three of my student loans have been In Forebearance since XXXX of 2017 and no payments have been required ; therefore, it is impossible for me to have been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: PNC Bank N.A.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2020, I received documents from PNC Bank in Pennsylvania with a debit card and account information about an account I did not authorize or request. On XX/XX/2020, I called PNC and spoke with a customer service representative who closed the account, at my request, and indicated that PNCs fraud department would be calling me, which they never did. I then proceeded to lock my credit with all three credit bureaus. 

This evening, XX/XX/2020, I received more documentation from PNC indicating that I have been overdrawn since XX/XX/2020. The amount of the withdrawal was {$50.00} and the overdraft fee is {$36.00}. 

I never authorized this account to be opened ; therefore, I never funded this account. I do not believe PNC did their due diligence in ascertaining there was no fraud being perpetrated at the time this account was fraudulently open, and I would appreciate your help in reversing these charges and any information to ensure my information is not fraudulently used again. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
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: Information belongs to someone else

Complaint:
The accounts listed here must be removed. I reported the name of the person that misused my credit to the authorities.I have sent several complaints and these accounts still have not been removed! My name is mixed up with someone else. 

US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX US DEPT of Ed {$0.00} Balance Opened XX/XX/XXXX These are duplicate false accounts XXXX XXXX XXXX {$3200.00} XX/XX/XXXX XXXX XXXX XXXX {$9300.00} Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This Complaint is to Ally Financial. 

In XXXX XXXX, XXXX I have financed a vehicle with Ally Financial, XXXX XXXX CC, XXXX XXXX. 

In XXXX, XXXX I crashed my car in a parking lot, and the car had damages in the front, my insurance did not want to pay for the damage since it was in a parking lot, so I took the car to a body shop named " XXXX XXXX XXXX '', they told me that to fix the car it will cost {$3000.00}, at that moment i was not able to pay for that, I even had a payment arrangement with Ally in my monthly payments, my mother was in the hospital, she got both legs amputated, and i had to take care of her so I was not able to go to my job until i resolved my financial situation. 

So, I called Ally I explained to them that the car was left in the body shop, that i was not able to pay the body shop I gave them the address for them to repossess the car, and they never did. Ally called my asking me to pay the full amount own on the account more that {$14000.00}, i told them they should repossess the car, because I did not have the car and I notified them where the vehicle was for them to pick it up, something they never did, i told them i can not pay a car I do not have. 

Now I work in a car dealer ship so I was able to look the History of the vehicle with the VIN number, and i found out the body shop put a lien in the car, they notified Ally, and they never repossess the car, also the body shop sold the car to some body else. That proof that I do not have the car, that I can not pay for a car I do not have, and Ally did not repossess the car, even when they were notified by me, and also by the body shop. See attachment for proof.

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