BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attached a copy of my report and the last letter i wrote to the 3 bureaus for these 2 student loans from XXXX to show that XXXX, Experian, and XXXX  did not conduct a full and proper investigation. They are inaccurately reporting late payments and I have requested that they investigate these issues and update them to never late. These falsely reported late payments are killing my credit score and are a violation. How can they have conducted a full and fair investigation if there are multiple violations in the reporting? They are paper whipping and just sending back a letter saying that its verified as accurate ... .It is our right as consumers to contact the cfpb when these CRO 's are  violating our rights ... .this is the account # that they are reporting on both accounts XXXX this is a metro 2 violation as they are reporting a letter in the account #. All 3 bureaus are reporting different dates of last activity, All 3 bureaus are reporting different dates of last payment, Look at the payment history they are reporting Differently on the 30,60,90 days late ... .I was never late on these accounts ... ..How are the credit bureaus claiming that they actually investigated these accounts and that they are verified and reporting 100 % accurately and reporting all of these violations? they did not conduct a full and proper investigation is the answer.

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 2020-07-08
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: Was not notified of investigation status or results

Complaint:
I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my ID, social security card, proof of address and notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Initial complaint : received a letter dated XXXX XXXX, XXXX from Synchrony Bank XXXX XXXX XXXX XXXX, XXXX FL XXXX ) stating that an application for a SYNCB XXXX XXXX XXXX  account had been submitted and declined due to " unverifiable application information ''. I reviewed my credit report at the time and didn't find any impact. I reviewed my credit report again in XXXX XXXX, and found a hard inquiry into my XXXX credit report dated XXXX XXXX XXXX from Synchrony Bank even though there is a fraud alert on all credit bureau reports as of XX/XX/XXXX. I attempted to dispute the inquiry with Synchrony Bank in XX/XX/XXXX, and was informed that because the application was more than 30 days aged, I am unable to initiate a fraud complaint. Instead I was told by the fraud department to reach out to the individual credit bureaus, who would be able to reach out to Synchrony Bank to investigate the matter. Instead of Synchrony Bank working with a consumer who is a victim of identity theft, they are essentially washing their hands of my concern, and requiring that I take even more of my time to contact each credit bureau individually for something that Synchrony will have to investigate themselves. 

Current complaint : Synchrony did attempt to contact me, but at no point did that voicemail ask for additional information from me or did they make any additional attempt to contact me before closing the complaint saying I was unresponsive. I have attached a screen shot of the voicemail text showing as much.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2018-10-03
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Since leaving school in XXXX my account was on an Income Based Repayment plan ( IBR ) with payments of {$0.00} per month. when the time came for this year 's submission of an annual renewal for the IBR I did not receive any correspondence from the servicer via email, physical mail, or by phone. The only reason I am aware of the issue is I've begun looking into my credit closely, to discover that my score had fallen over 100 points because of 15 " late payments. '' Three instances from five loan accounts were now delinquent because I had been switched back to a standard repayment plan without my knowledge. On XX/XX/XXXX I contacted the servicer where I corrected all the incorrect information on my account, and the first thing the servicer customer service had offered me was to go into forbearance.The representative offered only an address to direct a written letter to when I asked about the mishap causing a mistake with their credit reporting.

I have a second set of student loans serviced by another company, also on an IBR, which shows that I have been prompt in my upkeep when properly informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
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: Investigation took more than 30 days

Complaint:
On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: WELLS FARGO & COMPANY
State: NJ
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 XXXX XXXX, 2020 I requested to Wells Fargo to remove from my credit report. On XXXX 2020 I received their responded. On the letter, they asking the consumer reporting agencies to update their records to show the credit inquiry as a soft inquiry. Its has been two months since then and Hurt Inquiry still on my credit report.

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 2020-05-30
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ABSOLUTELY NO IDEA AS TO HOW MY PERSONAL INFORMATION WAS OBTAINED BY WHOMEVER THE INDIVIDUAL IS WHO HAVE DONE THIS DAMAGE TO MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THIS SITUATION IS BEYOND MY CONTROL AND I AM TRYING THE BEST WAY THAT I CAN TO GET IT RESOLVED. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
As a employed person who has always made my payments to Macy 's, and have had my credit card a long time, I was shocked and appalled by the latest action that happened as a result of Covid. 

At this time- I'm sure everyone has late payments and has a story. Mine was I was under a stay at home order, so my income did get behind. I reached out to the credit card companies, and while some offered time to pay bill- Macy 's decided to run a credit limit report and cut my credit card limit, based on current report. Once they cut the limit -- which I had about 2000 open on the card to use, then it shrinks my debt ratio on my credit score. Not very fair to people that are going through some troubling times. They should have made a call or sent a lettter prior. NOT sent me a letter of cutting my credit limit. 

I've gone back to work this week, I finally found a way to get in online and delay a couple of payments till I'm caught up. Thank you Macy 's, but your unfair credit score reviewing in a time where this is a serious problem for many, made me realize exactly how little you care about your customers. I've never maxed out the card, and I certainly would not do it now. I did not need a credit decrease based on current payment situation. While other companies over to wave late fees, Macy 's does not. They also do not give you an immediate answer regarding Covid help. Every other company I have a card to- has at least had someone answer a phone, and /or if it was an online process they gave you an answer right away if you would qualify for Covid relief as they call it.

Very unfair practice to go after credit limits that affect the overall persons scores, when they are already suffering from Covid loss, and trying to keep up, but could not- due to the home quarantine.

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 2020-05-21
Company: Unique Management Services, Inc
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved communication from a debt collector. I invoked my specialized remedy as a consumer under 15 USC 1692 of the Fair Debt Collections Practice Act. My rights have been violated with a list of fourteen violations. There were six ( 6 ) listed violations in the first affidavit submitted to Unique Management Services Inc. D/b/a Unique National Collections. An invice was sent along with my affidavit to address my remedy as a consumer. The six violations are listed below in the affidavite are listed for your review below. 1 ) 15 USC 1692A. 2 ) 15 USC 1692B ( 2 ). 3 ) 15 USC 1692B ( 5 ). 4 ) 15 USC 1692A. 5 ) 15 USC 1692D ( 1 & 2 ). 6 ) 15 USC 1692E ( 2-a ). To which the aforementioned debt collector responded with a letter that does not address my affidavit, nor the violations, nor my remedy. to wit I responded with a second affidavit and invoice which includes eight more violations. The violations are listed below. 1 ) 15 USC 1692B ( 5 ). 2 ) 15 USC 1692B ( 5 ). 3 ) 15 USC 1692A. 4 ) 15 USC 1692C ( a ). 5 ) 15 USC 1692C ( b ). 6 ) 15 USC 1692D ( 1 & 2 ). 7 ) 15 USC 1692E ( 2-a ). 8 ) 15 USC 1692B ( a ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2020-11-20
Company: EQUIFAX, INC.
State: CA
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:
I was contacted that my credit score had decreased so I called and found out that a hard pull had been done on XX/XX/2020 they said it was XXXX XXXX  XXXX XXXX  via Equifax mortgage services which does not exist I called XXXX XXXX  XXXX XXXX  and I called the number that I was given by Equifax that was on my credit report for the company that did the hard pull on my credit this Equifax mortgage services but it found out that was not a correct number the phone number I was given for Equifax mortgage services was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is an item on my credit report from XXXX XXXX/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XXXX  continues to verify this information as accurate. In addition, each month XXXX XXXX  reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I was unknowingly redirected while attempting to get a quote for car insurance on the USAA website. Redirected to a fraudulent scammer who now has some of my personal information and my voice, because they immediately called me, the first I declined and before I could put my phone down they called again, and I said, " It looks like this is a fraudulent website, not USAA, do not call me again, put me on your 'Do Not Call ' list. '' But I wanted to report them! The phone numbers were made to look like they were coming from where I live, using my area code. The numbers the called me from are as follows : XXXX XXXX XXXX XXXX. ( XXXX ) XXXX. This happened XX/XX/2020 XXXX They are harassing me, after I told them to put me on their do not all list, but I guess scammers don't HAVE those, huh.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
My name is XXXX XXXX XXXX : I purchased and took ownership of a XXXX XXXX XXXX XXXX  from the XXXX XXXX XXXX XXXX located in XXXX TX on XX/XX/XXXX. VIN # XXXX Stock # XXXX Unit # XXXX. 
I returned the vehicle for a refund on XX/XX/XXXX. 
The dealership returned my down payment as a check and sent Bank of America payment to clear the loan. ****** email communication from XXXX Mr XXXX, I received a note regarding your contact with our executive customer service. Glad to hear that you have received your down payment refund. I have researched the refund to Bank of America. The refund in the amount of {$15000.00} was mailed on XX/XX/XXXX and received by BofA on XX/XX/XXXX. Heres the XXXX  tracking # XXXX. I dont have visibility on how quickly Bank Of America will apply these funds to your loan but normally it should be applied within 3 business days. end of email **** I have attempted to call Bank of America multiple times in regards to the flat cancel of the loan. 
Account number : XXXX I was told by Bank of America on XX/XX/XXXX that the dealership is responsible for communicating the flat cancel of the loan and they did not do their part. 
I explained that the dealership sent a payment of {$15000.00} it was mailed on XX/XX/XXXX and received by BofA on XX/XX/XXXX. XXXX  tracking # XXXX checks out and shows it was signed for. 
The Bank of America representative refused any acknowledgement that a payment was received by Bank of America. He instead repeatedly stated that the dealership did not communicate with BofA and it was my responsibility to work with the dealership in this matter. 
I asked to speak to a supervisor and was only promised a call back. I have been a Bank of America customer for over twenty years and this has been one of the worse banking experiences I have encountered.

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 2020-11-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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: Problem with personal statement of dispute

Complaint:
I had recently finished XXXX XXXX and I was applying to every job search engine I could. I was under tremendous stress from both parental and employment factors to find a job using my education. On XX/XX/2015 I was contacted via email by a woman named XXXX XXXX from a company called XXXX XXXX. She said she was from the HR department and that she found my resume on the internet. She also like my education and job experience. The position was for XXXX XXXX XXXX XXXX XXXX, which was right up my alley. She asked me to fill out an application via email and that she would review it and get back to me. She said the company reviewed my application and they wanted me to begin initial online training. I was assigned a training manager by the name of XXXX XXXX. He had my do various exercises and we began a training process. Once training progressed, XXXX told me I would be purchasing items they would need to open other offices around the US. He told me to temporarily apply funds from their corporate account to my Capital One credit card until I was given a corporate card from the company. I was given addresses of where to send the items I purchased and report to XXXX upon completion of each assignment. Roughly 4 weeks later Capital One reached out to me and wanted to speak with the account holder and not thinking anything of it, I told them no problem. I have been worrying with XXXX XXXX and it is their corporate account. When I tried to reach out to XXXX and XXXX they were unreachable. The company website was useless, all phone numbers were useless and email communication suddenly stopped. I felt like I had just been kicked in the stomach. I was the victim of an employment scam and I didn't even see it coming. I tried to explain this to Capital One and they didn't care. They just said I was responsible for the money. Roughly XXXX XXXX dollars was dumped on my card all at once. I told them I couldn't afford to pay that. They couldn't care less. I have tried debt settlement to no avail. I tried challenging and disputes. All failed. I have been dealing with this for 4 years and it is devastating to my credit score and my ability to to move on with my life. I just need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation