BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX 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 2022-04-04
Company: Experian Information Solutions Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX 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 2022-04-04
Company: EQUIFAX, INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX / XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: EQUIFAX, INC.
State: AZ
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:
I had a business partner that throw me out for the company 10 years ago. Then about year here put the company in bankrupt 's and at the I was told that I need to fill bankrupts personal so did all the page work but I but pull out and never did. 
Now I have a Bankrupts on all three of my Credit report. I was told it be remove in the first year do that I never flied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: ERC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account was placed on my credit profile by ENHANCED RECOVERY without my consent wich is in violation of FDCPA and FCRA rules and Reulations, this account was purchsed for profit and is Unverified and or Inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a notification on XXXX that a collection account was added to my credit reports. According to XXXX, it was reported on XXXX/XXXX/XXXX but I never received a dunning letter in regards to this collection account and then I was notified of the account by XXXX. I have never done any business with this company or have any knowledge of this company or the amount owed.

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 2021-05-14
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX CREDIT CARD : BELK REWARDS MASTERCARD Bank : Synchrony Bank Issue : Decreased credit line due to my mortgage balance not decreasing when it was in the COVID 19 moratorium. 

Synchrony Bank performed a credit check and decided to decrease my credit limit. They sent me a letter stating that the reason for the decrease is that my mortgage balance has not decreased over an extended period of time. I have only one mortgage account and the reason it had not decreased is that it was in a mortgage moratorium covered by the CARES ACT of XXXX. I called to discuss this with the bank and they refused to review the limit decrease. 

I believe this is a violation of the CARES ACT of XXXX since it does indirectly adversely affect my credit due to COVID 19.

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 2021-05-14
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/21 I was notified that something negative was placed on my credit report. I checked and saw a collection for {$450.00}. I didn't know what the charge was for so I disputed the charge on XX/XX/21, requesting additional information about the charges. 

The response that I received stated that the debit was verified, no documentation to support the charges. Prior to this I never received any calls, letters, or emails pertaining to this debt. Upon investigating I found that this is a debt from 37 years ago with the Illinois Dept of Human Services. 

My complaint is that this is on my credit report for I don't know how long and I was never given the option to settle this after 37 years. Isn't there some sort of statute of limitations on debts? If there isn't I should have been given the opportunity to settle this debt, as now my credit score has dropped because Harvard Collections took it upon themselves to put this on my report without allowing me to pay it off. 

This is a small amount of money and I hate that it has affected my credit rating for the next 7 years. 

I tried calling the company on XX/XX/21 and apparently you can't get through. I'm told to approve the message that I left, but the strange thing is I didn't leave any messages and wasn't given a prompt to leave a message. The number I called was XXXX. 

I would like to get this off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05
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 contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.

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 2021-05-14
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: Personal information incorrect

Complaint:
I came upon information on my credit report that is negatively effecting my report. This negative information is heavily impacting my report and is stopping me from obtaining 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 non-monetary relief
Consumer complaint received 2022-04-04
Company: Experian Information Solutions Inc.
State: SC
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 Bank, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX the following accounts listed below 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 XXXX ( original Creditor ; XXXX AT T XXXX ) Account # XXXX, has violated my rights XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ( original Creditor ; XXXX XXXX XXXX ) Account # XXXX has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX  ) Account # XXXX, has violated my rights. 
XXXX. XXXX, XXXX ( original Creditor ; XXXX XXXX  ) Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-13
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: Reporting company used your report improperly

Complaint:
The day after filing a report with the Consumer Financial Protection Bureau involving TransUnion, TransUnion has retaliated by placing something negative on my Transunion credit report. This morning XX/XX/2021 labeled a department of education account derogatory. The Department of Education and XXXX are duplicate or morphed accounts ; that no longer exist. I have attached printouts.

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 2022-01-05
Company: ALLY FINANCIAL INC.
State: VA
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:
I scheduled my XX/XX/XXXX payment on Ally Financial 's App portal to be deducted from my bank account on XX/XX/XXXX for {$660.00}. My bank notified my husband on XX/XX/XXXX stating that Ally financial tried to debit the account for the late fees plus payment due on the account for the month for {$3000.00} on XX/XX/XXXX 4 times in one day which caused {$120.00} in bank fees for insuffcient funds. Mine and my husbands account on XX/XX/XXXX had a total of XXXX to cover the car payment that we've consistently paid {$660.00} on or about the XXXX of each month for the car loan payment. The bank stated that Ally Bank resubmitted the same payment for {$3000.00} on XX/XX/XXXX, and XXXX one time each. We sustained a total of {$60.00} for insufficient funds fees. We processed an online portal to Ally Financial requesting to cease processing any amounts in excess of the {$660.00}. The response was to contact my bank to place a stop payment. After {$550.00} in nsf fees we placed another online payment and made a complaint with ally stating they caused my payment to fail and be late. On XX/XX/XXXX Ally financial reported a 30 day lateness on my credit file on XXXX. I want my credit report corrected and the 30 day late payment removed. This will hinder me from closing on my new home due to their computer breach and error. 
On XX/XX/XXXX my husband spoke to Ally Financial Reps, XXXX, who submitted a ticket to remove late fees and XXXX, in customer service, who refused to submit a ticket to correct 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 2021-11-11
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
An XXXX Vacuum And Mop Were Purchased Online ( Since The Item Was Not Available At The Store ). The Item To Date Has Not Been Received. According To The Carrier They Left The Package Outside And Stated That No Signature Was Obtained Because It Was Not Requested Or Required By The Shipper ( Best Buy ). When I Spoke To Best Buy They Could Not Explain To Me Why They Did Not Require A Signature On This High-value Item. Therefore, The Package Was Left Outside. As A Result, The Package Has Gone Missing. None Of My Neighbors Have Seen It. I Have Exhausted All Measures Of Trying To Get This Matter Resolved With Best Buy And The Carrier XXXX. I Have Called Them Several Times And After Being Told That They Would First Investigate With The Carrier, Then Going To Re-ship Once The Item Was Back In Stock And Require A Signature This Never Happened So When I Called Back After Several Days For Status, Then The Rep Stated They Were Going To Process A Refund Back To My Citi Card For Me To Re-order The Product Once It Became Available Because It Was Out Of Stock Again This Never Happened Either So I Had To Call Back, Then They Told Me I Had To Put In A Claim With XXXX  For The Missing Package Well I Tried That As Directed By Best Buy To Only Come To Find Out That I Couldnt. I Called XXXX Several Times To Get The Matter Resolved, XXXX Told Me That Best Buy Had A Restriction And Only Best Buy Could Put In The Claim For Me, Not The Receiver. Frustrated, I Then Called Best Buy Again And Just Kept Getting The Runa- round. I Asked To Speak To A Manager And Was Told That No Managers Were Available And I Would Receive A Callback. I Also Sent a Customer Service An Email As Well. Since Last Week ( Week Of XX/XX/ ), I Still Havent Gotten A Response Back To My Email Nor A Call Back From Their Escalations Department Or A Manager As Requested. Im Done Wasting Hours Of My Time And The Frustration This Has Caused Me With Trying To Get This Matter Resolved With The Merchant And Their Chosen Carrier. This Is Unacceptable! Especially Considering The Amount Of Business And Money I Spent Every Year At Best Buy. Ive Expressed This To Them In My Email As Well. I opened up a dispute with CITI and they stated there is nothing they can do further on their end because Best Buy provided proof to them that they gave the package to UP, even though no one signed for the package. SO FRUSTRATING! to have to pay for something that I never received.

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 2021-02-12
Company: Santander Consumer USA Holdings 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:
The auto loan company Santander has removed my file from XXXX  and I have disputed with XXXX  and they removed one payment off of my report but not the whole account. Santander was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX  report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX  and XXXX. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: COOLEY ENTERPRISES INC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XXXX I requested a refund from XXXX XXXX for a service plan called in XXXX. XXXX. Per their policy this is refundable 30 days after the vehicle purchase which mine was on XXXX. I have requested that they issued the refund but have been given the run around by XXXX ( XXXX from accounting department ) and from XXXX ( XXXXdealersip general manager ) I request that they issue this refund for the service plan that was cancelled in the amount of {$1400.00} and send it to the lienholder at Lien holder mailing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-10-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I vehimately disagree with the Synchrony bank rep who researched my complaint about the XXXX XXXX interest charge of {$250.00}, which I was supposed to get along with the other XXXX interest charge. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!

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 2017-10-24
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I vehimately disagree with the Synchrony bank rep who researched my complaint about the interest charge for {$100.00} and {$19.00} for the XX/XX/XXXX statement for 2017. I was OFFERED this by a rep directly and it never took place. Now I get a response stating that the interest was charged in accordance with the agreement for the credit card. Of course I understand that, but since it was offered to me, I believe I am entitled to this. The fact that I get a letter stating contrary information means the customer service reps are not on the same page with the executive management and then i am given false information? I am entitled to that interest as promised and expect it!

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 2021-05-14
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, I emailed you a week ago expressing that Binance.us refuses to answer emails. I emailed them on XX/XX/XXXX, and on XX/XX/XXXX they decided to reply to me after I told them that I had sent a complaint to both your facility as well as the attorney general of California. 

In the email I was told they have locked my account because I owe them money. Im not sure how I can owe them money if I am not allowed to trade unless the money clears. On XX/XX/XXXX my account was hacked. They did not close my account until XX/XX/XXXX. Money was transferred out of my account no lost XXXX. When I finally retrieved my account it had around {$6000.00}. I was able to transfer out of Binance.us I believe around XX/XX/XXXX. I received an email stating my account is active. 
After I made a few complaints about how they handled my compromised email, my ability to trade and transfer my crypto was disabled. However, they kept sending me emails about how my deposit limit has increased to {$10000.00}. 
They have disabled my account and refuse to release my crypto. That is theft. That is also a violation on the consumers protection act of XXXX. Binance. Us is costing me to lose money everyday it doesnt allow me to break free from their platform, and it is also causing me mental stress and harm. Binance.us doesnt hear or serve its consumers. It does whoever it wants to do. 

I want you to know that I did serve Binance.us with court papers. I am taking to small claims court. 

I am asking your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-29
Company: BARCLAYS BANK DELAWARE
State: NC
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:
Someone open an account in my name in XX/XX/XXXX with Barclays Bank. I noticed it on my credit in XX/XX/XXXX. I have filed a police report and a fraud report with Barclays and it now almost XX/XX/XXXX and I have no answers. My credit dropped 140 point from XXXX to XXXX. Every time I talk with Barclays they seem to have gotten nowhere. The police told me they notified Barclays about an IP address where these people applied for a card in my name months ago. 
This problem needs to be resolved since its ruined my credit. 
I want to sue not only the person that committed fraud but also Barclays for not verifying any information these people put on this application. It is simply unacceptable.

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