BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-12
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Approximately in XXXX of XXXX the holder of my HELOC, XXXX XXXX XXXX  contacted us to let us know the original note was coming due. I started working with XXXX XXXX to generate a new loan in XX/XX/XXXX. I over the next couple of months I gave permission to pull credit and delivered relevant documention. I was told it was undergoing review. Approximately in XXXX XXXX I tried repeatedly to get status, but calls to my contact always went to voicemail. I eventually found a manager at the bank who told me the woman handling my account had left the company a couple of months earlier, and that no one had been monitoring her message. Nothing had been approved. I contacted another bank and started negotiations to have a new mortgage that would combine my current mortgage and the HELOC. I had updated XXXX XXXX that we were processing a new mortgage and continued to make payments on the HELOC. My new loan processed finally. Notification of the payoff to close the credit line was sent to XXXX XXXX on XX/XX/XXXX. What I did not know was that XXXX XXXX was under acquistion by XXXX XXXX. No one at XXXX XXXX disclosed this. Despite assurances from me and my new mortgage holder, XXXX XXXX XXXX, XXXX XXXX listed the loan as a charge-off ( I presume to make the books look better for their new owner. I contacted XXXX XXXX  again in XXXX asking them to remove the charge off, but they refused. I recently asked XXXX to remove the charge-off, but they only sent a confirmation of payoff of the original HELOC.

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 2020-07-14
Company: First Financial Resources, Inc.
State: MA
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:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: Experian Information Solutions Inc.
State: CA
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:
my name is not correct and there are previous addresses that are not mine see XXXX XXXX  for explanation

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 2023-02-01
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was at the regions Bank on XXXXXXXX XXXX XXXXXXXX XXXX about XXXX in the XXXX I proceeded to put my {>= $1,000,000} check into the deposit smart ATM after the interactions and the going through the prompts the machines spit my card out but it did not give the check back there was no funds loaded to my card there was no check cashed I didn't receive any money and the check did not come back out of the machine and so I am XXXX off it was a check for me to go and pay the down payment on my house today at XXXXXXXX XXXX I was supposed to meet my realtor and I had to call and save that I have no money nothing out of XXXX I'm XXXX off I would like something done about this I need to get my money back my house is on the line it's my first time home buyers and it was going to be a good day today and then this XXXX happens what the XXXX  I want my money back I want it now

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 2020-01-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2019, I made an attempt to add an external account to my savings account with my banking institution, Synchrony Bank. Several days later, on XX/XX/2019, I received an email that stated that the deposit verification process for adding an external bank to my account failed. Afterwards, I log into my account and realize that my account has now been restricted. I called up the company at ( XXXX ) XXXX asking why my account is now restricted. They explained that for security purposes my account is restricted because of the unsuccessful attempt to verify the deposit of my external bank account. Also, they later explained that my account is under review and that the restriction should be lifted after the investigation in about 60 days. Over 60 days later, I have realized that the external bank account I added contained the incorrect banking information ; the routing number and account number came from one of my paychecks. So, I call up the company again and I explain this to them. The company gave me the same reply from before ; in about 60 days the investigation should be over and your account will be unrestricted. Over 60 days from the original date my account is still restricted.

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 2020-11-25
Company: SYNCHRONY FINANCIAL
State: NV
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:
SYNCB /amazon has not responded to my disputes with the credit bureaus XXXX  XXXX  and XXXX  XXXX . I want to credit her to update the credit reports in the credit bureaus about the XXXX  balance and pro status that is president XXXX at the situation also discredit is have not responded to my request in the past and they still haven't requested me telling them not to chew action faster the status of the account is I want is updated to XXXX balance closed. they've extended their time frame of upgrading making the credit reports current period

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/23 I sent a letter to received validation for an account on my credit report under XXXX XXXX. I never received a response, and I just checked my new credit report and not XXXX, TransUnion, or XXXX updated this to in dispute. I know that this is against the law.

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 2018-02-06
Company: BRite Financial Services, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am leasing from brite financial serv. On my credit report the amount on the auto loan is reflecting as if I am late on my payments because the loan amount goes up and down. This problem is cause my scoring to goes down. 
I asked a lady why is this doing this she stated that it should not reflex a balance at all since I am leasing but when I told her a balance was reflecting she did not know why. my lease end in 2020 I am trying to buy a house and this issue is not helping. Please help resolved this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got an alert there was a change to my credit report on XX/XX/2018 a CITICARDS CBNA  flagged on XXXX   Account type  Affected by natural or declared disaster balance USD XXXX 
I did not apply for this account I suspect Fraud.

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 2020-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXY, Company Inquiries : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 2018-04-06
Company: ONLINE Information Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/XXXX or about I received an alert on my credit report about outstanding balances with XXXXXXXX XXXX XXXX first amount was with XXXX XXXX XXXX XXXX  amount was removed after I submitted evidence that I was not the responsible party also received a letter from the company. Second amount was with another Collection Agency Online Information Services for XXXX .I sent two letters last of which one was certified mail on XX/XX/XXXX. I also sent letters to the hospital with no response. On my XXXX Credit report all amounts were taken off one amount for appx. XXXX was added and taken off. After I disputed the debt with documentation to XXXX   they no longer report inaccurate information with Online Information. I've made countless calls to Online Infomation Services and discussed the issues with the Incorrect reporting Last call was on XX/XX/XXXX when I received a call at my home after on XX/XX/XXXX I discussed that I would continue to dispute this matter and it was a clear violation of the fair credit reporting act there was no reason to call me again. After I made it clear I would be disputing this matter seemed like retaliation or intimination tactic given such a short time frame since we discussed the matter. I also asked them not to continue calling and got the Managers name who handles the accounts.I 've received double bills for the same service at XXXX XXXXXXXX XXXX XXXX XXXX XXXX customer service advised me they were the sole providers for the XXXX  portion of my son 's bill at XXXX XXXX  XXXX Insurance paid XXXX I owed XXXX   XXXX XXXX  sent another bill for the same service charged excess of XXXX I paid the Doctor that performed the XXXX   directly billed XXXX. An Agent or Physician with XXXX XXXX   XXXX.I questioned this bill with the Bill Service manager also discussed the XXXX room rate and the M/S charge for XXXX She simply stated that was the bill " Let me know when you find something out '' .I filed a dispute with XXXX  with the same information they verified it as accurate on XX/XX/XXXX. Given the Inconsistant balances taken a item on and off report by this firm. XXXX and XXXX failing to answer questions about the double billing practice with the Hospital, Physician and XXXX. Failing to return countless phone calls or return letters from the Hospital. I stongly believe this debt to be unlawful and the Validity and Integrity is in Question. Please help me with this matter I feel it is unlawful business and does not reflect consumer reporting practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
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:
I recently reviewed my credit report and I observed that XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/XXXX the US Small Business Administration pulled a credit report using my personal information for a loan that I did not apply for. I contacted SBA onXX/XX/XXXX and discussed with the fraud department. SBA indicated that loan application number ending in XXXX for {$35000.00} was canceled. I was instructed to e-mail XXXX to request a copy of the loan application and disposition. I e-mailed onXX/XX/XXXX and have had no reply. I was given no other confirming information from SBA other than the verbal information.

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 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1976 ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/2020 Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
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 The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, FL 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 2019-02-19
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was given extension or payment relief by XXXX for two months XX/XX/XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XX/XX/XXXX and XX/XX/XXXX beside relief XXXX XXXX XXXX charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have two sons one wife family to look after but they playing with me continuously now I am filling complain against these two XXXX XXXX XXXX and XXXX  XXXX and Equifax I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: LA
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 XXXX changed 22 items on my Experian credit report between XX/XX/XXXX and XX/XX/XXXX. I called to discuss this with Experian but they claim there have been no changes to my report since the beginning of XXXX. I am attaching 2 Experian reports of my XXXX XXXX tradeline account # XXXX, there are clear changes with dates and number of late payments and even a comment under " Reinvestigation information : This item was updated from our processing of your dispute in XX/XX/XXXX. '' But again, Experian says there are no changes in the past year. 

I have a couple of problems with the situation : # 1 The integrity of XXXX XXXX payment system is flawed, there is no reason for 22 errors. There are still errors but I have no recourse as Experian can't even discuss the situation because they have no record.

# 2 Why were the errors not corrected when I had previously disputed the accuracy? Experian says they have never received a dispute from me in regards to this account. The latest update on the tradeline was my request to remove the dispute comments earlier this month. Even the notes that I can't see prove there items were previously disputed. 

This isn't a new process or system there is no excuse for XXXX XXXX errors or Experian lack of accountability. The 1st dispute should have corrected the errors and the 22 corrections should raise red flags. This is affecting me financially, I want the tradeline deleted immediately or I will move forward with an FCRA attorney to file suit against Experian.

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 2019-02-19
Company: Experian Information Solutions Inc.
State: MO
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've challenged the following accounts on many occasions, however the main 3 credit bureaus, XXXX, Experian, and XXXX all responded by stating accounts verified. Well then the only thing I can request at this time before going to the FCTA, is the Method Of Verification should in order to close my initial dispute .Who did your company speak with, and what was the method of communication, was it phone, fax, email, text, fax, etc. And what was the date, time, and documentation that made you come to your conclusion. The accounts are, XXXX XXXX XXXX, one for {$350.00}, and the other for {$130.00}. Nor do I have an contract with this company..please send me the Method Of Verification inwhich your decision was made.

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