BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-10
Company: SYNCHRONY FINANCIAL
State: MN
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:
Upon starting the audit of my personal credit reports, I found multiple inaccuracies from SYNCB Walmart and SYNCB XXXX. The inaccuracies range from incorrect balance reporting, credit utilization, payment history, last activity of the account ( s ), and date of closure. I've been constantly harassed by XXXX XXXX XXXX for quite some time. Apparently, they've sold these accounts to this third party, but the original creditor is constantly reporting negative and blatant inaccuracies. I've even been attempted to be served with court documentations from this third party collection agency. I've asked for documentation of this alleged debt via certified mail, and I was provided with frivolous documents. I now have a pending judgement against me in the local courts with completely false information. I plan to sue in small claims court if not mediated via Consumer Financial Protection Bureau.

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 2019-03-30
Company: Experian Information Solutions Inc.
State: AZ
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 have disputed this accurate account in collections twice and have been provided no information to support the claim even though Experian says they have performed an investigation and received supporting information. This alleged information has not been provided to me and can not be considered accurate and true if I do not have access to review, verify and provide a rebuttal. No supporting evidence has been provided and my case has been closed twice. This is harassment and unacceptable practice from a credit bureau. It is impossible to dispute inaccuracies if I am not provided with the information given to Experian. This is entirely non- tramparent and I will pursue legal action if not resolved.

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 2021-06-22
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: Information is missing that should be on the report

Complaint:
XXXX TODAY WILL NOT PERMIT AN ONLINE DISPUTE OR UPLOAD OF DISPUTE SUPPORTING INFORMATION. 

I HAVE TWO ACCOUNTS, XXXX XXXX XXXX ACCOUNT XXXX, AND XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX OF THESE ACCOUNTS HAVE LATE PYMTS IN THE HISTORY DUE TO MY COMPLETE BUT TEMPORARY XXXX OF 9 MONTHS FROM XX/XX/XXXX THROUGH XXXX OF XXXX. 
I WAS XXXX XXXX AND XXXX XXXX UNDER A DOCTORS CARE AND RECEIVING GOVT XXXX PAYMENTS. 
TODAY I AM A XXXX EARNINNG {$85000.00} PER YEAR ... AS SOON AS I WAS ABLE I CAUGHT UP ON PAYMENTS AND PAID THE ACCOUNTS OFF.I HAVE INCLUDED SOME OF THE GOVT XXXX PYMT INFORMATION RECEIVED AND REALLY NEED AND DESERVE EITHER A DELETION OR NA OR ND ON MY LATE PYMT HISTORY AS THIS HAMPERS THE HOUSE TRANSACTION I AM TRYING TO BUY TO GET OUT OF MY SMALL MOBILE HOME I LIVE IN AND OWN.

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 2019-10-04
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This is a complaint for actions in violation of FTC Section 5, specifically as it related to unfair or deceptive acts or practices in or affecting commerce. '' It further violates The Dodd-Frank Wall Street Reform and Consumer Protection Act with " abusive '' acts designed to takes unreasonable advantage of the consumers inability to protect his or her own interests when selecting or using a financial product or service. 

US Bank closed my account ( ending in XXXX ) for their stated reason of believing that I fell victim to a credit card scam. After a phone call to them to inform them that that was assuredly not the case, they seemingly weren't interested that I wasn't actually the victim of a scam and kept the account closed. It is therefore my belief that US Bank closed my account for some other stated reason that had nothing to do with the safety of my account - the information they provided me was misleading. 

In addition to the closing of the account in concern ( ending in XXXX ), they also closed my account ending in XXXX. 

While US Bank has the prerogative to close my account, in the process of closing the account, they refused to return the {$400.00} annual fee on account ending in XXXX ( which had been paid just 60 days previous ), the {$49.00} annual fee on the account ending in XXXX, and confiscated more than {$2000.00} in reward points across both accounts. They do not own the prerogative to confiscate money paid to them for services not rendered, nor do they own the prerogative to confiscate promised rewards which were obtained at cost to the consumer and which profited the bank. 

It's evident that US Bank baited me with a premium product and then inexplicably closed my account, taking my money and points without recourse or compensation. They were the beneficiaries of having an additional cardholder, receiving money in the form of an annual fee, credit card processing fees, and confiscation of rewards, while not providing any of the benefits promised to me. 

At best this is a case of mistaken conclusions, handled poorly by a lending analyst. At worst, this is a case of blatant disregard of the laws contained in the Federal Trade Commission Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act.

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 2021-06-22
Company: Credit Plus Inc
State: TX
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 following hard inquiries were not done by me, I did not authorize them, and I do not know where they came from. Everything else on my report seems to be correct currently but this is worrying me because I know they are bringing my scores down : XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX CreditPlus. XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: Premium Credit Bureau
State: KY
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:
Unauthorized credit inquiry on my XXXX credit report.

I was a victim of identity theft.

XXXX data hack. My information was compromised. Some was using my identity..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be errors. Here as follows are items in error : XXXX. Validate Account Direct Management {$1300.00} XXXX. XXXX XXXX XXXX {$40.00} I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( XXXX ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity 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 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/XXXX I went to get gas for my car. I tried using my Bank Of America Debit card and it did not go through. I get to work and it takes 45 minutes to get alive person on the line. Once there is a human another 10 minutes to verify yet again, such an inconvenience to the customer. 

I speak to an individual that told me that my card did not work because my current card expiration date expired. I stated how can that be when it expires in XXXX and we are in the year XXXX. Totally ignored my statement and stated that. The company sent me another card that was activated. I asked how can that be I never received it. I am getting irate and there is over 20K on my card activated and the card is not in my possession. I am feeling like this is fraudulence occurring within the company. 

I hung up the phone as I was at work. I called back and spoke to a supervisor whom stated that they have no idea why my card was cut off. They advised that there are no current cards activated and the other representative misinformed me.I said I have no access to my funds she stated that the system glitches and cut my card off. I have no access to funds. I state this is suspicious and I feel like fraudulent activity is occurring, on my account. No response no assurance none whatsoever, just dead silence. 

This manager stated that they would expedite and overnight my new debit card, which is still not here. Supposedly it was ordered XX/XX/XXXX and it is XX/XX/XXXX still no access to my funds.. The most incompetent individuals that I have ever spoken with. No one knows anything. If I was not in the process of purchasing a ( n ) investment, I would take all my funds and go anywhere but Bank Of America.

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 2017-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
I disputed this information and it was removed.. However it has been placed back onto my credit report without proper notice.

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 2019-10-04
Company: Experian Information Solutions Inc.
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 information incorrect

Complaint:
I paid for an account to improve my credit. The company was financing a water filter that is connected to my house.It is an installment loan- one of the 3 bureaus has it as a mortgage. 
I called the XXXX XXXX and they say it is not a mortgage- I opened a dispute with Experian, they are the only copy reporting this as a mortgage.

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 2021-04-23
Company: WELLS FARGO & COMPANY
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: Was not notified of investigation status or results

Complaint:
This is a formal complaint against XXXX XXXX located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

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 2019-10-04
Company: Experian Information Solutions Inc.
State: CT
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 am a XXXX year old Private client of XXXX  for over 26 years. I previously put five of my personally own companies accounts through XXXX in XXXX, CT XXXX. For 26 years I have had a XXXX XXXX  Credit Card. I have never been late one day on payments for 26 years. In XXXX of XXXX, per XXXX suggestion, I switched to paperless billing. Up until XX/XX/XXXX I was paying off the XXXX card monthly, a very small ballance. In XXXX I was notified that the account was slightly past due. I called XXXX cards to pay the bill immediately. It was suggested that I pay from a checking account so I gave XXXX a checking account number and a bank routing number to pay the credit card bills. On XX/XX/XXXX I got a notification that my credit rating had dropped from XXXX to XXXX. When I inquired, I found that XXXX har reported me 60 past due on my Credit card and closed the 26 year old account for {$51.00}. I called XXXX XXXX Credit Card number and the system asked me if I wanted to pay from my Checking Account on file ending in XXXX I said " yes '' and paid the bill. I assumed that XXXX would pay the credit card from this account whenever it was due. They didn't, they tried to get intouch with me on a four year old disconnected phone number, even though I have a checking account with them with over {$22000.00} in the account. They have ruined my perfect credit rating over 45 years over a misunderstanding and a miscommunication. This is neither FAIR or JUST. It implies I was either unable or unwilling to pay the Credit Card payment when a 26 year history indicates otherwise. They had an account number from my checking account to pay the card. Whatever happened I NEVER RECEIVED a communication from XXXX about the card. I want the incorrect implication in my credit files removed immediately!

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 2019-01-08
Company: Risecredit, LLC
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: Information belongs to someone else

Complaint:
RISE on XX/XX/XXXX reported an account and address that is not mine. I was told to complete an identity theft report to RISE and they would delete this fraudulent information from my XXXX  credit file but they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XXXX we left overseas and before leaving we called Bank of America to asked how to handle payments. I was told to send a signed letter with authorization and copy of checking acct. to my surprise the vehicle was repossessed last week, bank of america claims they didn't received the letter. I sent a copy of letter and bank to demonstrate to them the fund were at the bank. I received a letter today asking for the entire amount of loan plus all these fees.

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 2018-02-25
Company: Fleet Financial Inc.
State: KY
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:
Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The tax escrow that is charged to me every month in including an entire year of two of my tax bills each month - - -instead of 1/12 of those taxes that will be needed in my escrow account. 

I have spoken to customer service, the tax adjustment group, and the escrow analysis group on XX/XX/XXXX, XX/XX/XXXX and now on XX/XX/XXXX. Each time I am assured that the problem will be fixed - but it has not been. 

The bank - - -Citizens One, has now begun to call me and threaten forclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've been pretty consistent with paying my bills on time. I'm saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with o {$400.00} deposit. I didn't understand until I checked my credit report. I see a couple of items that are not mine. I've contacted the police locally and FTC. These items need to be deleted from my credit report : Ch XXXX Bankruptcy, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX XXXX XXXX account XXXX, XXXX acct XXXX XXXX and transunion acct XXXX on transunion, XXXX, and 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 2021-09-18
Company: CITIBANK, N.A.
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:
I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a XXXX balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist 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 2019-03-30
Company: Voss & Klein, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2013 my car crashed in the car accident a towed company towing it my insurance company doesnt paid to take the car, towed company putted the ligne in my tag I couldnt do the car in person I went to the towed company to pay the money I paid off the money

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: SYNCHRONY FINANCIAL
State: TX
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 open my credit report using XXXX XXXX, and i seen a hard inquire for SYNCB on XX/XX/2019 i was still in the process of my chXXXX bankruptcy and i was not applying for any credit during the month of XX/XX/XXXX. XXXX XXXX told me to contact SYNCB, But that did not help, i could not get threw. please help i dont want to start my new credit off with back marks.

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