BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-03
Company: Experian Information Solutions 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:
I have contacted all 3 bureaus- XXXX  , XXXX  , Experian to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for XXXX  and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to XXXX  and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called Experian- same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!

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 2021-06-03
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  has not updated my credit profile. XXXX  has the same exact accounts so why isn't XXXX  updating. It must be updated properly and accurately. I have attempted to remedy but XXXX  ignored the request. XXXX XXXX and XXXX XXXX XXXX and XXXX is in deferment I should not be penalized for points. This practice is fraudulent and discriminatory. If XXXX  is at XXXX then XXXX  shouldn't be at XXXX. XXXX  is not updating. I even tried the XXXX but nothing happens.

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 2018-05-10
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:
XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, Equifax, XXXX, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, Equifax, XXXX, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX has me listed on my credit report as being Late in XX/XX/XXXX. My payments for XX/XX/XXXX, were {$87.00} For my loan and {$88.00} For my credit card. I paid {$200.00} on the loan and, {$160.00} on the credit card, but yet on all 3 credit reports, it has my XX/XX/XXXX payment for my Loan and Credit Card as late for XX/XX/XXXX. I have called the XXXX XXXX XXXX XXXX repeatedly, and disputed the error, I have emailed them to their company as requested " XXXX " and have gotten no response to the emails, and rude, offensive customer service, regarding my complaint. When I call. I have also called, XXXX, Transunion, and XXXX. Neither XXXX XXXX XXXX XXXX XXXX, XXXX, Transunion, nor XXXX have correcited this on my credit report. I have disputed this 5 times with each, with no correction.

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 2019-03-01
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: Old information reappears or never goes away

Complaint:
XXXX XXXX claims date of first delinquency is XX/XX/2011. Statute of limitations is 6 years in Nevada. This debt is too old and needs to be removed from all of my credit reports.

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 2020-07-02
Company: CITIBANK, N.A.
State: FL
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:
I have 2 accounts that were closed by the company Citibank Retail. Sears Master Card account number XXXX and Home Depot account number XXXX. I had an excellent payment history with the companies. I was XXXX XXXX XXXX XXXX and was going through the mail and received letters indicating that my account payments had been reversed and that the cards were closed. I was baffled as I had not made payments to the account that were reversed. The account had 2 or 3 payments, that were made from account that I am not aware of and never had any association with. They ( Sears Mastercard ) charged me numerous fees associated with the unauthorized bogus payments and there was a charge for {$1400.00} on XX/XX/01. I was still held liable for this charge though it was a fraudulent charge. According to Sears policy, I am not supposed to be held liable for fraudulent charges but yet I was. I was baffled. I unfortunately had been continuously in and out of the XXXX  with XXXX XXXX and I still am going through this as I just was XXXX a week or so ago. Even though it's a pandemic, I have been in the XXXX   numerous times, which is extremely scary, as well as in and out of XXXX  with my mother as I was her only caregiver which unfortunately she passed. I explained this to the company and asked them to look at my payment history and the account in which I pay them from they would see that I have never submitted a bogus payment nor have I made a payment from the account that made these payments that they reversed. The customer care would not assist me and I was forced to make a payment plan of {$130.00} because I did not have the amount that they were requesting because of this situation. Also, I was still trying to demonstrate that I am upstanding and wanted to make the account right. I also was told that they closed my Home Depot credit card because it was under the same company ( Citibank ). They did not care that I had a flawless payment history with Home Depot. i explained to a loved one what transpired and they suggested to make a complaint since I was being held for accountable when I shouldn't have been.

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 2020-07-30
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have had repeated issues with TD BANK blocking my cards and most recently my ability to access my online banking due to being in another country. 

I advised my local bank I would be traveling abroad and there were no problems until they went to an automated security system which blocks my card about every 2 months. I recently had to file a complaint after roughly 50 consversations with the bank about the issue. My card was finally unblocked for at least the 10th time in two years within the last month.

Roughly two weeks later, they blocked my accesss to my online banking account. I can answer all security challenge questions and even did so on the phone. Their reply : If you don't have a US phone number that we can send a text code to, you can not access your account.

Having this as the only option is a violation of their duty to the consumer and is incomprehensibly irresponsible that somebody can verify all security information and still be denied access to their account. 

Please request the recording of my discussion dated XXXX XX/XX/2020 with the TD Bank Customer Service Supervisor who did everything in his power NOT TO HELP, until I refused to leave, became aggressive and insistent. 

Combined with the past violations by TD of rigging XXXX XXXX, Structuring Tranactions and otherwise being either dishonest and uncaring about their customers, they should either be forced to reform and have their license to do business in the United States revoked. 

Despite repeated calls about this issue, I have never gotten any action until I have gone this route, via CFPB. 

Within minutes of writing this and trying to access my account for the information requested on page 4 of this complaint, I have yet again, been blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
someone put a car in my name and i showed police reports to get it removed and all of the credit bereau has removed them except one equifax and when i contacted them even tho its pass 10years they said they have to remove it when it was reported to them which would be XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: PDQ Services, 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:
on XX/XX/2021 sent all major bureaus, XXXX XXXX XXXX my affadavit regarding ID theft seeing unauthorized accounts on file. Also, these accounts are reporting negative information on my file. Lets start with Experian : FCRA 623 ( a ) ( 7 ) Negative Information In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative, in writing, to the customer.

( B ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

( B ) Time of Notice ( 1 ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 clays after, furnishes the negative information to a consumer reporting agency described in section 603 ( p ).

( 1 ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosure provided under section 127 ( a ) of the Truth in Lending Act.

I have done my own investigations and have researched numerous legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each and every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies. You are required to conduct your own independent reasonable investigations to ensure the validity of the debt and the honesty, and integrity of the creditor and/or collection agency in question. Sending out a generic form through the e-Oscar system that does not even contain my reasons for the dispute is not reasonable. 


Name of Account Account Number Provide Physical Verification PDQ Services INC XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX XXXX {$220.00} Fair Collections & Out XXXX {$180.00} XXXX XXXX {$540.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$2700.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX {$1200.00}

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 2021-06-03
Company: Experian Information Solutions Inc.
State: NC
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 lost my wallet in XXXX and my driver license and social security card was in there. I continue to have to dispute items on my credit report. I also was a victim of the XXXX  Breach in XXXX. I have notice several inquires on my Experian credit reports that I have not authorize. I do not have any of these credit accounts XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
180 days ban of my paypal account is over they even send me an email regarding it. They also said I can withdraw my wallet balance now but when I tried to withdraw it using the existing bank account it just gets denied days later and they removed the bank account. My problem now is I tried to add a new bank account but they won't let me. They keep saying I can't add because my account has issues and when I go to my notification it's just said the same notification I got 180 days ago that my account has been permanently banned. My question now is how can I withdraw my hard earned money?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: EQUIFAX, 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:
The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *XXXX, XX/XX/2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I have contacted Comenity Sony Card by phone ( which I have for 20+ years ) about COVID options. I've been given a generous 2 months defferral with no interest option. On XX/XX/XXXX got letter that Sony card INCREASING my interest rate to 24.99 % from 11 % without any reason. I've haven't had any issues with the card prior to my COVID request to defer the payment. This is unacceptable to receive a spike in interest for no reason when we are experiencing financial difficulties. The latest option they offered me is to close the account before the rate spikes, but how is it an option if I can't pay off my balance. In a negative rate economy, how is that credit cards are doing anything they want and keep sinking people to more debt? So basically the card helped me for 2 months with deferral and interest rate and now " catching up '' on getting all that back from me + more by increasing my interest rate. 

I want my previous 11.24 ( v ) % interest rate back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I closed my Citi credit card on XX/XX/XXXX. On XX/XX/XXXX I was assessed a {$95.00} annual fee for the 12 month period from XX/XX/XXXX - XX/XX/XXXX. Upon contacting Citi around the issue I was told the annual fee would be refunded to my account within 1-2 statements. I thus dutifully paid this annual fee as otherwise I would have been assessed a late fee.This refund never occurred. On XX/XX/XXXX I contacted Citi via phone and explained that I never received the {$95.00} refund. I was told that the refund could be expected via a check within 10 days, or by XX/XX/XXXX. 

I have spent 6+ hours in web chats and phone calls trying to sort out this situation with Citi , to no avail. As of XX/XX/XXXX I am now being told that the {$95.00} will be credited to my account on XX/XX/XXXX. Citi 's story keeps changing. I would like to be ensured that I will receive the annual fee refund, as well as be compensated for my time and the hassle. Citi should not be treating their customers in such a way.

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 2021-06-03
Company: Velocity Portfolio Group
State: WA
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 had an account placed for collections with a company called CKS Prime Investments ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) earlier this year. I contacted them directly to resolve/pay the account and they informed me the account had been sold to a company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ) and thati must take it up with and pay through them. I contacted XXXX and we agreed to settle the account for {$680.00} ( original amount was {$900.00} ) and it would be reflected as settled or paid in full on my credit reports. We set up a payment arrangements which i ended up taking care of well before they were actually due. The payment i made ( see attached payment history and settlement letter from XXXX ) are as follows : {$100.00} XX/XX/XXXX, {$100.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX, {$150.00} XX/XX/XXXX and {$180.00} on XX/XX/XXXX ( totaling the agreed upon amount of {$680.00} ). As of today, XX/XX/XXXX CKS is reporting me as still owing an outstanding derogatory amount of {$220.00} and and an open collection account remains on my credit reports. This is a willful and negligent violation of the agreed upon contract i made and fulfilled with XXXX XXXX XXXX and this account needs to be either updated to reflect settled/paid in ful land a balance of {$0.00} or removed from my credit reports 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 2020-06-25
Company: AMERISAVE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with this company on XX/XX/2020 under the promise from the Loan originator Mr. XXXX XXXX that I was going to be approved, all the items on my credit. 

I was convinced by Mr. XXXX to pay {$500.00} application fee to make it official. My loan was denied last week due to incompleteness and I turned all the documents that were requested in a timely manner. 

So far Mr. XXXX or Amerisave have not communicated to indicate where the " incompleteness '' is coming from. 
I feel that I have been scammed by this company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
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: Account status incorrect

Complaint:
I have some major issues on my credit file that need to be reinvestigated asap.

issue 1. XXXX XXXX listed on my Equifax report has a late Payment from 2017, I was an authorized user on that account over 4 years ago I am not on that account and I am not responsible for the balance of that account Please delete.

2. Second issue I found inquires from various auto loan companies. I have only one Auto Loan with XXXX XXXX XXXX. I have never applied for accounts or loan with the following companies :, 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.

I am hyper sensitive to any movement on my credit file I discover these last month and filed a dispute. This is my 3rd time complaining about this issue.

Company response to consumer: Closed with explanation