BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 send Transunion several letters requesting they make justifiable corrections or removals of unverified or invalid allegations of account information to meet federal reporting standards of completeness of the current reporting status, timeliness, truth, accuracy and compliance else wise of every single one even each any and or of the aspects of alleged account information documentary to be proven mine do to future enhance your adequate and mandated compliance to proper and fair reporting. After reviewing my credit report I found a number of items on the report inaccurate and they have failed to correct it. I send about five letters the last one was send certified tracking number XXXX. They have failed to send me copies of the documents that they have in their file as of this date that was used to verify the accuracy of the following account. XXXX XXXX account # XXXX. I Along with XXXX telephone numbers XXXX. XXXX. XXXX. XXXX. Also a few inquiries that I did not authorize. XXXX. XXXX XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX. XXXX XXXX. I contacted the original creditor as suggested and have disputed these items but transunion is still reporting these unproven to be authorized alleged inquiries.

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 2022-03-30
Company: Westlake Services, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am an XXXX XXXX in the XXXX stationed at XXXX XXXX XXXX. I bought a car ( XXXX XXXX XXXXXXXX ) from a dealership in XXXX XXXX by the name of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. That was my first car in the states and didn't know anything about financing and APR and how the auto dealership can scam you. The XXXX car which barely worth {$14000.00} at the time, cost me XXXX. The dealership also sold me an auto service contract which I never asked for. They didn't even provided any of the documents to me not even the car 's title. They asked me to sign everything digitally and I did it. The first company that finance me was Security National Automotive Acceptance Company LLC, later without informing me the financing company changed to Westlake Portfolio Management. I had an accident in XX/XX/XXXX and the XXXXnsurance company " XXXX '' declare it a total loss. My XXXX insurance paid them {$12000.00} and rest was paid by the XXXX insurance. They should have paid me back the amount they charged me for the auto service contract which I never used it. I tried contacting them through several phone calls and they all ( dealership, financing companies, the XXXX insurance " XXXX XXXXXXXX XXXX " and the auto service provider " XXXX XXXX '' ) ignored me and keep passing on to each other. 
So after working hard for years on my credit, I though I should have a good credit. But after applying for very small loan, the loan officer told me that I have an unpaid balance from auto loan company named Westlake Portfolio Management. I tried contacting them, they told me my account was closed and gave me another company 's name to contact after I explained the situation. I tried calling them everyday, but nothing yet. So I need your help in this, because they ruined my credit, overcharged me and not responding. 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 explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Hello, I previously filed a complaint concerning Equifax data not matching in the reports housed on myequifax.com in the daily reports and the Dispute Center. Now, I have also found serious reporting issues on my Annual Report.

You will find my current Equifax Annual Report attached. I highlighted my XXXX and XXXX account because the Age of Account is not correct. The Account Age is short by 1 year for each account. I also attached a screenshot of the account information for each account to show the Date the Account was opened.

This is a serious matter because creditors make decisions based on the Age of Accounts.

Even more serious issue is concerning the Equifax Dispute Center data that I attached. The Age of Accounts is grossly inaccurate compared to what is in the Annual Report. I am not sure what Equifax is reporting. If the Age of Accounts is grossly off on the Dispute Center, I am not sure what they are reporting to the world. 

I need the date corrected on the Age of all my Accounts before end of day Friday, XX/XX/2022, or I am going to send the Equifax CEO proof of these serious issues. Also, I am going to take off a day from work and go sit outside the Attorney General 's office until he listens to what I am telling him about all of these data errors. This is very disturbing. There are too many mistakes. 

NOTE : I ONLY CHECKED THE AGE OF ACCOUNTS FOR MY " REVOLVING '' ACCOUNTS. THE AGE OF ACCOUNTS COULD BE WRONG ON THE OTHER ACCOUNTS AS WELL. 

ALSO NOTE : DO NOT ADD A DISPUTE REMARK ON ALL MY ACCOUNTS AS THAT MIGHT REFLECT NEGATIVE ON ME. PLEASE JUST FIX YOUR DATA AS I HAVE ASKED PREVIOUSLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
During my refinance with Rocket Mortgage, I received an offer to get an additional 1.5 % off closing cost, after I submitted this form, they raised my points from 0.05, to 1.5 % increasing my closing cost by several XXXX dollars, after I complained, they offered to pay closing cost, but then they raised my interest rate from 2.5 %, to 3.5 %, their appraiser also appraised my home for {$100000.00} less than another appraiser who did that appraisal only 3 weeks prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: TOYOTA MOTOR CREDIT CORPORATION
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 information incorrect

Complaint:
On XX/XX/XXXX, after looking at my latest copies of my credit reports from all 3 credit bureaus, I found a 30-day late payment for XX/XX/XXXX on my XXXX XXXX XXXX car loan account. 

On XX/XX/XXXX, I wrote a letter ( copy attached ) to XXXX XXXX services and sent it to the following address : TOYOTA FINANCIAL SERVICES ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX In that letter I informed XXXX of the following : On XX/XX/XXXX I made several attempts to make a payment online and the Toyota/XXXX payment system was down. Also around XX/XX/XXXX, I tried to setup automatic payments and was not able to do so. In addition to your online system being down during XXXX, I never received a single email, phone call, or letter from XXXX or Toyota notifying me that the payment was due. I asked XXXX to remove the XX/XX/XXXX late payment from the 3 consumer reporting agencies because I was not able to make the payment on time due to their system being down. 

On XX/XX/XXXX, XXXX XXXX Services responded with a generic letter ( copy attached ) saying that the information they have is correct and that they will continue to report it to the credit reporting agencies as-is. 

XXXX XXXX Services ' online system issues and lack of customer follow-up ( they did not contact me when the payment was late ) is not my fault and should NOT affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: SYNCHRONY FINANCIAL
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:
I recieved a letter on XXXX XXXX of an address change on a closed account on my Walmart mastercard. I never authorized an address change this is not a " account take over '' it is identity theft. I have always lived in Illinois not Kansas. This account should be closed due to fraud transactions on the account and identity theft. The customer service team should never have issued an address change without my knowledge. I paid on the account what I owe and I want all fees and interest and the account a XXXX balance due to the customer service departments incompetence and breach of my account information.You have no security about protecting someone 's account. I will notify all federal agencies of consumer fraud and not updating any fraud on my account. This never should have happened at all again I never requested a address change, it is theft and this Synchrony XXXX has allowed it to happen and nothing done about it. The entire account is fraud now and the bank is responsible and needs to fix my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo denied an unauthorized transaction case I reported and decided to take back the money they credited to my account and said the transactions were authorized. 

The claim is # XXXX. 

These transactions couldn't have been me at all. I haven't left the United States or made any purchases in XXXX  XXXX XXXX. Can some of you guys please look into this nonsense and do something about it? I didn't have this debit card in my possession at the time, neither did I have my wallet or belongings such as my phone ( which was also lost ). 

The fraudster used {$4400.00} of my money all in a few hours. This is way outside of my normal spending limit and activity. I called Wells Fargo and the agent said they couldn't reverse the decision. This is insane and absurd. Can someone do something about this????

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 2020-04-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Since I have opened my PayPal Extras Mastercard account, I am told I am accumulating points that expire after 24 months, and I am seeing these points expire month after month after month without the ability to redeem them on their online site. I know that I am paying a premium in my finance charges for this feature, but am not able to access the points I am eligible for and the company continues to expire them. I have asked for all my expired points to be reinstated and for me to be able to redeem my current points. I realize with the COVID situation, it's hard to talk to someone, but Synchrony Bank inherently makes it difficult to raise the issues through their automated question service, then it goes offshore to people who don't understand the issue. I find this practice VERY deceptive of offering points, then expiring them, and not letting you redeem them- this has been going on for a VERY long time, so I would like to claim my benefit.

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 2020-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a closed paid acct. On credit report, but it is reported inaccurately. The dates are incorrect as the acct has been sold many times and info has been changed. It was originally opened in XXXX of XXXX by XXXX XXXXXXXX. Then XXXX XXXX which was deleted. However the DOFD was XXXX XXXX. Thats when they started collections for acct. It has since been reported as opened on XX/XX/XXXX and XXXX of XXXX. I have made many attempts to gets this matter corrected with no success. It has been paid even though the amounts and dates are not correct and i have requested itemized bill. It was last sold to XXXX XXXX XXXX to whom it was paid and agreed upon to remove, delete and cease all collection activity. Since then XXXX has told me the account doesnt even beling to them now and it did when paid. Makes no sense and how can they even report if they dont iwn the debt. They have not done so and i have contacted them, Transunion and XXXX  several times in attempt to correct this. They have repeatedly hit my credit causing many drops in credit rating. The only response ive gotten from TU and XXXX  is verified. This has not been investigated, or corrected.

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 2019-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My name is XXXX XXXX, I have a synchrony credit card with jcpenney with an account ending in XXXX and my last four digits of my SS # XXXX. 

I have been a loyal customer for a long time and at one point, I used to be an employee working for JCpenney in XXXX, CA. I bought some items on deferred payment which now I understand what it means, and I was making bigger payments all along thinking that my payments will prevent you from charging me extra interest. I was wrong. 

I never received any notices or emails or warning that my account was going to be subjected to the deferred payment interest. Here I am jobless and going through a divorce, I got hit by XXXX dollars in Interest and another XXXX dollars in additional interest. I had to borrow the money to pay off all my debt and balance afraid more chargers will be added. Please credit me back the Interest I paid. I was not informed. It is absolutely not ethical to prey on uneducated or poor people. 

Thank you, XXXX XXXX You can reach me @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA 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 monetary relief
Consumer complaint received 2022-03-30
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: Reporting company used your report improperly

Complaint:
According to the FRCA, it is a violation of a conSumers rights to share a credit report without their knowledge! WHY XXXX XXXX XXXX XXXX do I have 24 inquiries on my report?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Transunion credit reporting agency is reporting on my credit report an account that was closed on XXXX XXXX 2009. There is a statue of limitiations of 7 years and it should be deleted off my report. The account they are reporting is " XXXX XXXX XXXX credit card ''. This account should be deleted off my report since it 's been 8 years since the account was closed. I tried to contact transunion and they kept discussing my current XXXX XXXX accounts ( I have 2 seperate accounts that are in excellent standing and open accounts ). I explained I am not speaking about my current accounts I am talking about the one that is 8 years old. I was told it would be deleted. Upon checking my credit report today I noticed that this account is still reporting. This information is outdated and should be deleted.

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 2017-10-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX/XXXX/XXXX, I went to the Texas state fair and talked to a representative of XXXX Firm about the promotional display they had. He asked if he could run my credit to see what types of product I qualified for which I agreed to, but he never asked if I wanted a credit card, and the form I filled out was not an application for a card, just authorization to pull my credit. I ended up not purchasing a mattress, and thought that was the end of it. 
On XXXX/XXXX/XXXX, I received a credit card with a {$14000.00} limit from Synchrony Bank, that could be used with a few select vendors, including XXXX Firm. On XXXX/XXXX/XXXX I called Synchrony bank, and they advised they could close the account, but that they would not be able to respond to my complaint about the fraudulent opening of the account, and that they could not remove any credit reporting impact caused by opening and closing account in a short period of time. 
I need assistance in getting this off my record, and some action taken against XXXX XXXX Bank for the deceitful and railroading practices they employ in extending 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 explanation
Consumer complaint received 2021-05-12
Company: EQUIFAX, INC.
State: PA
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/XXXX a dispute letter was sent on my behalf to XXXX XXXX XXXX, and the three major credit bureaus ( XXXX, Equifax, XXXX ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2019 with a credit limit of XXXX XXXX appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I purchased some ceramic planters from XXXX on XX/XX/XXXX for a total of {$360.00}. On the website, It appeared as one charge in the total amount. The payment was processed in three transactions between XXXX and Citibank ( {$120.00}, {$120.00}, and {$110.00} ). The items were delivered. No problem. 

Then, after the items were delivered, I started seeing new charges to my card in the amounts of {$120.00} and {$110.00} from XXXX. They appear, my available balance is reduced accordingly, and then the disappear. Then, they reappear as new charges on new dates. 

XXXX says refuses to look into it because the amounts are not exactly the same ( one is the same, one is one penny more than a previous charge ). They say to call the bank and report them as fraudulent charges. In my first calls to Citibank ( late XXXX ), even though I could see the pending charges on the website and on my mobile app, the customer service agent couldnt find them so he couldnt do anything. ( He told me to call XXXX. ) I called Citibank again when the charges reappeared with the date XX/XX/XXXX. Now they can see them, but they say I have to wait for the merchant to claim the money, which will complete the transaction. Then, I can dispute it. They refuse to call XXXX together with me on the line to sort out the problem once and for all. Even though the charges are pending, it still reduces my available balance, depriving me of access to my full funds.

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 2021-05-12
Company: AES/PHEAA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief