BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-03
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX/XX/XX/2019 and 30 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to 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 2019-07-25
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Our card was fraud charged repeatedly on 5 purchases in California, we live in XXXX, FL XXXX XXXX XXXX CA {$100.00} XXXX XXXX XXXX CA {$250.00} XXXX XXXX XXXX CA {$560.00} XXXX XXXX XXXX CA {$610.00} I was also a pending transaction {$550.00} not available on statement yet. 


They approved purchases over the credit limit. 

Fees Charged Late Payment XXXX XXXX {$38.00} XXXX when we paid on time. 
We had made numerous called since XXXX, also signed and send an affidavit. 
Their respond is to call back, and continuously calling us requesting us to pay those fraud charges. They continue to ignore our calls to solve the problem. We'll being threaten to damage our credit if we don't pay the minimal of {$400.00}. when our monthly payments is {$100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-08-13
Company: Experian Information Solutions Inc.
State: NV
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-09-13
Company: Experian Information Solutions Inc.
State: AE
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XX/XX/2022

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 2023-02-27
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
It was announced that starting in XXXX, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Currently, I have ( 4 ) medical bills ( 2 Paid and 2 I'm Disputing ) each under {$500.00} ( amounts outlined below ). The three items marked as collections are critically harming my credit score. I have disputed these amounts with each bureau however they still remain as a roadblock. Can someone please assist me with this as I attempt to regain control of my score and rebuild after being heavily impacted by such reporting. 

XXXX. Date : XX/XX/XXXX, XXXX : {$480.00} XXXX. Date : XX/XX/XXXX, XXXX : {$2.00} ( Paid still showing on XXXX ) XXXX. Date : XX/XX/XXXX, XXXX : {$260.00} XXXX. Date : XX/XX/XXXX, XXXX : {$170.00} ( Paid still showing on all credit bureaus )

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 2018-10-19
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am the guardian of property for my mother, a XXXX year old XXXX adult. 
She has had 3 CD 's at PNC Bank for many years. I renewed all CD 's at 0.75 % INTEREST rate on 3 different occasions from XX/XX/2018 to XX/XX/2018. 
PNC Bank reassures me that the interest rate will remain at 0.75 %. Then, someone at PNC changes the rate to 0.05 %. I did complain and they returned some of my mother 's lost interest in XX/XX/2018. It keeps occurring and they keep lowering the interest rate of return to near zero. They did it again in XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2023 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
On XX/XX/2022, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received a response from TransUnion stating that they have completed the investigation and verified everything as accurate. This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX Account XXXX : XXXX Update the payment status to paid as agreed 2. I was never 30 days late on this account and always paid on time. This is reporting inaccurately XXXX Account Number : XXXX Update the payment status to paid as XXXX TransUnion has failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ). I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). TransUnion has 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. Please delete these items from my consumer 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 non-monetary relief
Consumer complaint received 2019-01-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax was contacted over 30 days ago regarding items that were not verified correctly as mine. I contacted the companies reporting the items as well. Equifax is the only credit bureau that was noncompliant to my request. Equifax has not responded and not demonstrated that they've thoroughly investigate per Federal Law. This is a serious error in reporting and I would like this matter to be resolved. I do not have knowledge or obligation to the account. Nothing has been given or shown to me that this account was investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My name is XXXX XXXX i have been violated of my consumer rights XXXX, Experian, and XXXX are reporting a ( Bankruptcy XXXX XXXX  ) on my credit report that need to be deleted and removed they are breaking the consumer law pursuant 15 U.S, CODE 1681b- Permissible purpose of consumer report i never gave them permission to report a bankruptcy and i reached out to the Bankruptcy court and they stated in the attached letter that they are not a reporting agency company that furnisher nor verify information to the 3 reporting agency Experian, XXXX and XXXX XXXXlso pursuant to 15 U.S. Code 1681c-2 block of information from credit report i have my attached FTC paper and im giving a statement that the information is not relating to me the credit reporting agency can't verify this is my public record nor did i give them written consent. i will like for the CFPB to resolve this problem before i take legal action with the civil court this public record is hurting my credit report and stopping me from obtaining good credit

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 2023-08-10
Company: EQUIFAX, INC.
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-22
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 information incorrect

Complaint:
I have no business with XXXX XXXX XXXX account # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-13
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2021 Balance : {$1400.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-08-10
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I saw an account opening bonus offer from U.S. Bank and it was mentioned in the offer that account can be opened in a branch, online or over the phone. Then I took the screenshot of this offer and went to the U.S. Bank 's nearby branch to open the checking account. 
- I showed the offer 's screenshot to the branch manager & he applied the promo code and opened my account on XX/XX/XXXX. He told me that I should receive the bonus after 3 months provided I meet the requirements. 
- Then I visited the branch after 3 months [ in XX/XX/XXXX ] to inquire about the bonus. The branch manager checked if I met the requirements & he confirmed that I have met them & should receive bonus by next month. 
- Again I visited the branch [ in XX/XX/XXXX ] & asked about my bonus. The manager again told me that it should be credited to my account soon in a couple of weeks. 
- After that I waited for around a couple of months hoping that I will receive the bonus but nothen happened. 
- Then I called the U.S. Bank 's customer service to raise my concern & the representative told me that they will get back to me in few days after inquiring the issue. But nobody called back. Then I called again & they said the same thing. 
- Finally, I got a call back from their promotion department & he said that the concern has been checked & the branch manager is supposed to make decision. He assured me that brank manager would call me in few days which he did. 
- Now [ on XX/XX/XXXX ] the current manager of U.S. Bank 's branch, where I opened my account, is saying that I'm not eligible for the bonus because the promotional offer was not directly sent to me rather I searched on XXXX for offers & landed on the their official page that showed this offer. This makes no sense to me - So, my concerns are as following : 1. why was I allowed to use that promo code at the first place if I'm not eligible?

2. why did branch manager assured me multiple times that I will receive bonus? 
3. why was that promotional offer available to everyone on their official website if it was supposed to be applicable to selected people? Atleast it should have been mentioned somewhere on the promotional offer. 

I think this is the trick they are using to attract customers to open accounts in their bank & I feel that I have been deceived.

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 2022-05-22
Company: EQUIFAX, INC.
State: IL
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX ; XXXX XXXX, Account # : XXXX ; XXXX XXXX Account # : XXXX ; XXXX Account # : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish A account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: SANTANDER HOLDINGS USA, INC.
State: OH
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:
Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against Santander. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with Santander, therefore they should no longer be reporting any information. 

Also because of the lawsuit XXXX and XXXX no longer records information from Santander on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX  XXXX XXXX Open Date XXXX XXXX, XXXX  Balance : {$250.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation