BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-04
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I would like to file a complaint about an account listed on my credit report that was never updated after paying the balance in full to the collection agency assigned to it. I have already tried resolving this directly with the original creditor, the collection agency and XXXX with no resolution because each organization states it is not their responsibility to report my payment for their own specific reasons stated below : XXXX states that the amount was charged off and the account was closed/sold to XXXX so they no longer report any updates. 
XXXX states that although I paid them for this debt, they can not report the payment under XXXX as they are a separate company. 
XXXX states that their function is only to gather information from the original creditor ( XXXX ) and they have to go by what they say, which is no updates available. 
I understand that I fell behind on past obligations and I am ashamed of myself for those issues. There was a period of time where I had unfortunate circumstances that led me to credit issues but I worked very hard to recover from them and I eventually paid the debt I was responsible for and Ive rebuilt my credit. I did not realize that this account was still showing as unpaid until I was just denied employment because of this outstanding issue. At this point I am begging someone to please report this account as paid. 
The account listed on my credit report is XXXX, the collection agency I paid in full is XXXX XXXX. I have the letter showing that I satisfied this debt and it is attached to this complaint.

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 2019-08-14
Company: Upstart Holdings, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was pre-qualified for a {$50000.00} loan via XXXX XXXX at 14 % APR. I applied and submitted all required documents. Where it asked for my university diploma there was a box for I dont have this. I selected that. 

The next day Upstart contacts me to tell me they got my application but I needed to submit a better pay stub and add my W2. During this conversation the employee casually mentions my 21 % APR and {$3600.00} origination fee and asks if I have any questions. I said yes ; that the APR was  supposed to be 14 % and origination about {$1200.00} lower. He responds that this is because I didnt include a picture of my diploma. I expressed my displeasure with that and he told me I could provide an online transcript and he would note on the account to reconsider loan at original terms after this was received. Fine. 

I submitted my new paystub and W2 and school transcripts as this miserable company required to get the original 14 % terms and 2 days later, they just emailed to tell me that I need to give them copies of canceled checks and by the way, THE LOAN IS NOW 28 % APR. 

Their SOP is obviously to bait and switch and pressure borrowers into accepting absurd terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/2019 my card was declined at local store. I tried to log into App several times on my phone but it said error wrong password. I then called number on back of card. I made 40 calls, they hung up on me saying call back with correct security information. One rep mentioned my account was froze due to my failed attempts to login to app. XX/XX/2019 i made multiple calls again. They claimed to have difficulty verifying my identity. I explained I had not made any changes to my account since I opened several years past. Finally a rep was able to verify my ID by calling me while i was on hold with her, i answered the call waiting, proving my ID. She assured me my account was frozen and a card was being sent to me. Instructed me to activate upon arrival and then I could access account. I declined the {$20.00} rush shipping charge, regretfully, waited the expected 10 days. But no card came. XX/XX/2019 I called and they said account was at {$0.00} balance and closed, said I had to write a letter explaining problem and gave me a address in XXXX, GA to mail it to. XX/XX/2019 I mailed a notarized letter. I tracked it, they received letter XX/XX/2019. I have not had any response or access to my account yet. XX/XX/2019 called still no resolve. XX/XX/2019 still no response. XX/XX/2019 I filed a FTC ID theft report. I mailed it with notice of Unauthorized Use of Debit card on XX/XX/2019 I included copies of previous letter, prior shipping receipt, copy from notary, copy of my CA ID and bank card to prove i have in my possession. No response still. I had over {$7000.00} in account when i last was able to accessed XX/XX/2019. My payroll and tax return have been direct deposited for years. I have been waking with a headache for weeks. Please help. As if the hardship isn't enough. I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I refer to the CONDITIONAL ACCEPTANCE, and XXXX XXXX XXXX  package dated on XX/XX/2019, Certified Mail Number:XXXX XXXX XXXX XXXX XXXX requesting original XXXX XXXX contract from XXXX XXXX , and XXXX XXXX XXXX. Please be advised that XXXX XXXX, and XXXX XXXX XXXX did not answer my requests point by point as required by law. XXXX XXXX, XXXX XXXX XXXX did not provide any proof to sufficiently satisfying there claim under U.C.C. - ARTICLE 3 -3-302 that you are a note holder in due course. XXXX XXXX, and XXXX XXXX XXXX did not stipulate whether or not you were the holder in due course. XXXX XXXX, XXXX XXXX XXXX did not stipulate whether this loan was securitized as required by law. Therefore, XXXX XXXX, and XXXX XXXX XXXX admits to the following : 1.  XXXX XXXX, and XXXX XXXX XXXX is not a real party of interest in this controversy. 2. XXXX XXXX, and XXXX XXXX XXXX are a debt collector and not the original creditor. 3. XXXX XXXX, and XXXX XXXX XXXX not having full and complete records of the alleged account. Thank you

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 2019-08-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Around XX/XX/2017 I was going to do a loan modification with Wells Fargo I decided not to. A forced loan modification was done on me which caused me to have an escrow account that I have never had in my life it jacked my payments up {$300.00} more and then specialized loan servicing bought my account and I have done everything they wanted me to do to drop my escrow and they still will not drop it I am in a situation that I did not ask for that I'm forced into and if it doesn't get fixed financially I might lose my home. And because of this my insurance is due and now my insurance company is wanting over {$1300.00} for a Year 's worth of payment when I have always paid monthly my whole life please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I reached out to Equifax, XX/XX/XXXX and XX/XX/XXXX on three different occasions XX/XX/2020, XX/XX/2020, and XX/XX/2020 about fraudulent accounts and inaccurate personal information that is present on my credit profile also due to fraud, I also called in XX/XX/XXXX and spoke with the supervisor XXXX XXXX, ref # for the call is XXXX XXXX XXXX, I also spoke with XXXX same reference number I was told inaccurate info would be removed ( addresses, names, inquiries ). Those items are yet to be removed. I also sent proof from FTC report with dispute letters. It is evident they are breaking the law seeing that they haven't responded in over 90 days. These are the tacking numbers for each certified dispute that was sent out XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. These are the fraudulent accounts and inaccurate info requested be removed XXXX XXXX XXXX account # XXXX, XXXX XX/XX/XXXX A account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries that need to be removed is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Please review this info and check with these bureau to see why they haven't removed these accounts or even responded to me within the legal time frame. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: FL
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 2022-10-18
Company: Experian Information Solutions Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive called Experian on several occasions for about this months credit score not showing. Ive been told I have to have 3 active accounts to receive a score ( false ) Ive been told that I had no activity reported to Experian without the last 6 months ( false ) XXXX XXXX XXXX XXXX reports my credit card to all 3 credit agencies every XXXX or XXXX of the month. This is holding up my mortgage lenders giving me a pre approval amount for a house because theres no available score. I had a score last month but not this month. Unscoreable is what pops up on my Experian ( account ) website CAN YOU PLEASE HELP ME GET MY SCORE!?

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 2018-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My credit card account is with Capital One. I have a balance at two different interest rates. Last billing cycle I paid more than the minimum payment due, but Capital One applied the excess payment to the balance with a lower interest rate. I called Capital One on XX/XX/XXXX and they told me I would need to pay the entire balance on the card if I wanted payments applied to the balance at the higher interest rate. Capital One 's policy is in direct conflict with the credit card act of XXXX. All payments above the minimum payment due should be applied to the highest interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: CITIBANK, N.A.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received an email ( attached ) from Citi XXXX XXXX XXXX on XX/XX/XXXX that I would get a {$200.00} cash bonus if I open a high yield checking account with required activities. The requirement to earn the {$200.00} cash bonus was " Open a new Citi XXXX XXXX Checking Account by XX/XX/XXXX. Then, within 30 days after account opening, deposit a minimum balance of {$5000.00} and maintain the balance for 60 days to receive your {$200.00} cash bonus. '' So I opened the checking account on XX/XX/XXXX with {$50.00} initial deposit, and made another {$5000.00} deposit on XX/XX/XXXX, and have kept a balance of {$5000.00} from XX/XX/XXXX to today XX/XX/XXXX. Therefore I have met all the requirements to earn the {$200.00} cash bonus. But as of today I have not yet received the cash bonus. When I called Citi bank on XX/XX/XXXX inquiring about the bonus, I provided Citi bank Customer Service the promotion information and the promotion code I received from Citi on XX/XX/XXXX. And my checking account was credited with {$200.00} on XXXX/XXXX/XXXX labeled as " Credit Adjustment for Inquiry # XXXX ''. However, on XX/XX/XXXX, Citi bank withdrew the {$200.00} credit from my checking account with an online message ( attached ) saying " Unfortunately, we are not aware of any promotions offered in conjunction with the opening of your account. However, if you have a copy of the promotional documentation or letter you received, we may be able to assist you. If you have a copy of the promotional documentation, please fax the copies to XXXX. '' I faxed the promotion email I received from Citi on XX/XX/XXXX to Fax # XXXX, along with a fax cover letter ( attached ). But Citi bank still would not honor their promise of the {$200.00} cash bonus. I have called Citi bank customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I could not get resolution for this matter. I want to file this complaint so that others would not fall for this trap from Citi bank. Thanks

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 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
According to the Fair Credit Reporting

Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, y
ou must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX 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 2023-10-02
Company: JPMORGAN CHASE & CO.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My contractor 's email was hacked and was not notified until after I sent a wire transfer of {$14000.00} as the deposit for the work being done on my home. I verified the email, signature line, etc. was correct before I sent my {$14000.00} wire transfer on XX/XX/2023. The following bank information was provided. The beneficiary for my wire transfer was XXXX XXXX XXXX XXXX. 

Bank Name : Chase Bank Account Name : XXXX XXXX XXXX XXXX  Account number : XXXX Routing number : XXXX Unfortunately, Chase Bank accepted my wire transfer even though the account name was not XXXX XXXX XXXX XXXX. My bank, XXXX XXXX, was able to recover {$4900.00}, but I'm still out {$9000.00}. Chase Bank should not have accepted the wire transfer since the account name did not match the account number. 

A report was filed with the XXXX XXXX Sheriffs Department : Case XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: MD
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor and/or collection agency however there is nothing notated on my credit reports that these items were ever disputed. that is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2017-12-23
Company: EQUIFAX, INC.
State: LA
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:
XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 

Thank you for your assistance in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: ALLY FINANCIAL INC.
State: ID
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
i cosigned for my daughter  on XXXX XXXX XXXX XXXX. Loan was thru Ally Financial, XXXX XXXX i believe? XXXX full coverage insurance thru XXXX and gap ins. XXXX XXXX XXXX. On XXXX or very early XX/XX/XXXX it was stolen in XXXX. Everything was turned in. She even tried tow yards. It was never recovered, this was on her birthday. XXXX gave her a rental for a couple of days, we paid rest. They said it was ok. If they were ever late paying, Ally immediately mailed me a bill and i would pay it. It looked like it was off my credit, now full amount is back on with missed payments, i guess since its theft?? On XX/XX/XXXX & XXXX Ally sent me 2 letters, requesting copy of check, we never received it Ally did?? Also want copy of police report. Well XXXX precinct was being set on fire repeatedly, that plus covid, plus not getting paperwork the police say maybe 4 weeks they are backed up, still dealing with XXXX  and covid. They have ruined my credit. I just got denial on a cheap little car {$11000.00} at 8 , % interest. My score has always been very high, now its maybe 600. I cant even borrow $ 8-10,000!! I have called so many times, on hold for 1-2 hours, i have emailed, its just run around Ally letterhead stating they are gap insurance company..makes zero sense. They have paid, or srnt form at least, XXXX for personal possessions in car. I am in Idaho, my daughter   is in Wa. at this time. Its very hard as there was a XXXX  XXXX issue, XXXX XXXX XXXX so she can not go back to get her paperwork and will be divorcing  of course. Insurancecwas in her husband XXXX XXXX ' name Ins Claim/, report # XXXX. I really need this fixed. They had been paying on time, paying insurance and GAP..i have been working on this for months. I understand covid, but that goes both ways and XXXX is getting thrashed the police are few and busy. Can you please tell me what to do? Any info would be greatly appreciated. Ally acct # XXXX. Balance due is {$17000.00}. I can send picture of my Statement of Credit Denial, Termination or Change, i just received XX/XX/XXXX. First one in my life. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, ID. XXXX ( XXXX XXXX XXXX. Voice mail does not work. My daughter is XXXX XXXX XXXX XX/XX/XXXX. They sent title paperwork to a wrong address, she finally got it, notarized and has been returned. They have title!! I really need help, this is crazy, we didnt get a check. We cant send a picture, it goes to THEM and will send another police report asap. Thank you for your time and any info. Sincerely, 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