BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2020 I was scammed. I immediately contacted the company and asked them to cancel. They told me in order to cancel I would have to activate the certificate and send them a copy of my ID along with pictures of my debit card. I immediately called my bank and an agent canceled my card and started the dispute process. I responded to the initial request from my bank via fax with all the stuff the company had sent me. Then recently I received a packet from my bank with the merchant information provided to them. The documents contained forged signatures with my name that I never sent to that company. Initially my bank Citi bank had credited me and then onXX/XX/XXXXthey took the money back saying I never responded to their request for additional information. When I called my bank and asked if they had received my email since the I was provided with an email address I could respond to they said oh we dont have an email address I said why would they provide that to me and the agent stated well its an internal email. The call was escalated because I wanted them to pull the information to continue disputing the charge he said they could not! I have been a customer with Citi bank for 14 yrs and have never experienced such poor customer service. I am beyond disappointed and upset at how many times Ive called them and how much time I have wasted. Also the supervisors are not at all sympathetic and have no service recovery experience. It also seems that Citibank has moved their call centers to other countries for cheap labor not caring about their members!

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 2023-04-02
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 status incorrect

Complaint:
I have attempted to correct issues from equifax but have not got any responses in the legal time frame. 

Seeking equity and remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I try file complaints against American car center dealership but they went out of business on XX/XX/2023 then filed bankruptcy XXXX  XXXX and try get all my refund back from American car center but i been aware that they went bankruptcy and closed. I didnt get no email or letter anything from 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 2023-04-02
Company: EQUIFAX, INC.
State: DE
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 the day of XX/XX/2023, I submitted claims out to XXXX, XXXX, and Equifax. Here is my tracking numbers : XXXX- XXXX, XXXX XXXX, Equifax- XXXX However the credit bureaus said the completed the investigation and everything was 100 % accurate According to the la 15 U.S.Code $ 1681a - Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, triends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowiedge conceming any such items of information. However, such information shal not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

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. 
XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$940.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$970.00}

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 2022-02-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I have reviewed my credit report and still find unauthorized inquires reporting. I have demanded these be removed multiple times with FTC report and proof of identity and they have not all been removed. I did not give written consent for this to be furnished to my 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 2020-09-19
Company: SYNCHRONY FINANCIAL
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
A fraudulent Amazon credit account was opened with Synchrony Bank in XXXX. Synchrony quickly fixed the problem on my credit reports with all three bureaus. I have attached the documentation provided to me by Synchrony Bank. However, I applied for credit with Synchrony bank in XXXX and just recently Amazon for Business and was denied on both occasions because of an existing delinquent account with Synchrony Bank. I called Synchrony on XX/XX/XXXX and spoke with several different departments. All of them confirmed the account had been cleared in XXXX and confirmed I have no other delinquent or open accounts with them and I should have no trouble with applying. So my problem is this. Twice now I have applied for credit and have been denied specifically because of a previous delinquent account with their company. How can this error be corrected? There are no other factors listed for denial of credit listed. Calling Synchrony bank does nothing because all they can tell me is this should not be happening and I should not get a denial for that reason. So what am I to do? I am trying to establish a line of business credit with Amazon. Synchrony is the main option. Somehow my social is still connected or flagged in their system indicating I am ineligible form ever opening an account. I can only assume because of the fraudulent account that was opened with my information. I have no other accounts 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 2017-12-18
Company: Experian Information Solutions Inc.
State: GA
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 've tried contacting Experian time after time after time about an item reporting on my credit file and every time they send me a letter saying the item has been verified without sending me proof of how they verified this item. My letters that I sent over provided detailed dispute requesting that they validate this item and send me proof that it 's my account along with the proof they received proving this. If they used real people to process and read a letter that I sent I think its clear that this item has errors that show it 's not a valid item its listed that its a 156 month term with a {$300.00} payment on an {$8600.00} loan it does n't take a rocket scientist to know that the math does n't add up and either Experian isnt really verfiing the info and are allowing wrong info to be reported which is a violation of the FCRA or my request is just being ignored which is also a violation of the FCRA. They should n't be allowed to continuously ignore consumers request and provide only half the info requested without showing proof of what info I asked for.

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 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-12
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:
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. 

XXXX XXXX Date XXXX Balance : {$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 2020-09-19
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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to 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 explanation
Consumer complaint received 2020-09-19
Company: BARCLAYS BANK DELAWARE
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
in XXXX of XXXX, we applied for and received special 0 % financing on a brand new XXXX XXXX of exactly {$2800.00} that was purchased thru the online XXXX XXXX. 

the special promotional financing was for 18 months on a Barclays XXXX credit card. 

between XX/XX/XXXX and XX/XX/XXXX ( the 18month term ) i made {$6300.00} total of payments, which i assumed that they would apply my payments to the promotional financing but on XX/XX/XXXX Barclays charged me {$600.00} of interest. 
this is the full interest charge of 13.99 % because they said i did not pay of my special financing, i have made {$6300.00} worth of payments and they claim that i did not pay my special financing i have been going back and forth with the company and am highly upset. i lost my income due to the pandemic, and to have this fraudulent interest charge to me is a slap in the face i have 18 pdf statements as proof, and have a pdf of all my payments. i am hoping to receive some assistance on this matter before this unscrupulous company destroys my 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 monetary relief
Consumer complaint received 2020-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to 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 explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
n accordance with the Fair Credit Reporting act 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 Section 2 : It 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 non-monetary relief
Consumer complaint received 2020-09-19
Company: Atlanticus Services Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Home Depot Fortiva credit card. I prefer paying my bills with my bank " XXXX XXXX '', it is safe to use. I made a payment on XX/XX/2020. The bank put it through, and it is marked as processed. They are sending me non payment notices. I called and they said they don't have it. I faxed them a copy of the payment, I mailed them a copy of the payment. Now they are reporting it as a missed payment. I also automaticly made another payment on them XXXX of XXXX. I am getting calls, text messages, emails of non payment. They do not speak english well which makes it hard to talk to them. They actually told me, You should only pay on our website. I do not trust payments on websites that is why I use my bank or XXXX. Please help me they are ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
It looks like I have more late payments that they are supposed to be. Since getting a new job on XX/XX/2020 I have been able to pay on time every single payment. Right now I have automatic payments so I dont missed a payment ever again. I am trying to buy a house and those late paymetns are not letting me get approved. I had some financial problems that caused me been late on some payments. If you guys can erase those it will help my credit go up and allow me to buy my first house. I promise I will never be late again. With my new job and now me been more responsible I will guarantee you I will make every payment on time. Please consider this. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened my first banking account ever with Bank of America a couple years ago not sure exactly when. Long after, my account was compromised some how and I filled fraud immediately. I took the proper and necessary steps to resolve this. During that time there were many phone calls and letters sent back and forward between I and the Bank upon this issue. Shortly after the issue I thought was 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 2023-07-20
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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial. I

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 2023-07-28
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX 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 Section 2 : It 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 non-monetary relief
Consumer complaint received 2022-12-21
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 been trying to dispute a late payment on my Equifax credit report for 6 years. They are showing a late payment on a mortgage with XXXX XXXX XXXX from XX/XX/2018. XXXX and XXXX do not show this late payment. I supplied Equifax a copy of a letter from XXXX state the late payment was in error due to XXXX XXXX. Equifax refuses to update this account.

Company response to consumer: Closed with explanation