BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-08
Company: SYNCHRONY FINANCIAL
State: MI
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 have an account with Pay Pal Credit. There are charges on my account I did not incur, and have reported them to creditor however they refuse to give me credit for the disputed charges. Pay Pal Credit has also, without cause closed my account as it has always been paid timely but for disputed amount.

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 2017-07-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I deposited {$160.00} to my Wells Fargo account on XXXX XXXX to find out months later that my money was n't found. Also my account was closed. I had an amount of {$4000.00} in my account along with me depositing the {$160.00} on XXXX XXXX XXXX. I went into the back and talk to several customer reps and I was told it was nothing they could do. I watched Wells Fargo take money out of my account put it back in and repeat this method for a few months. I did n't mention anything to them because I did n't want to see crazy but my money was removed from my account, deposited into another account, I showed them the receipt but there was nothing done about it. They took one receipt from me that showed my balance of {$4000.00} but I was once again given nothing back. My account is closed now and it was n't my fault. Also my account had several unauthorized transactions but Wells Fargo reversed them and took the money away from my account. Now I 'm frustrated my phone is off I have no funds to pay any of my bills and I want all my money back and I do n't want to deal with Wells Fargo ever again and please find a way to mail me my funds or a check. to my address associated with the account every single penny.

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 2022-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I only have one address XXXX XXXX XXXX XXXX XXXX Tx XXXX. 

All other addresses should be removed they do not belong to me and are causing issues with my credit, I am a victim of Identity theft. 
Please remove all incorrect information from 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 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA VIOLATIONS : SEE ATTACHMENTS : NOT MY NAME : XXXX XXXX NOT MY ADRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT MY INQUIRIES : XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX NOT MY ACCOUNT : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$47000.00} written off. 


XXXX XXXX XXXX Account Number XXXX XXXXXXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX Months Reviewed 19 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$24000.00} Credit Limit {$0.00} High Credit {$47000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I have disputed XXXX XXXX on all 3 of my credit reports. I have tried and called all the bureaus and they keep telling me different things about this account. This account was a judgement, and my wages were garnished for years until collections amount was paid in full. The NY Supreme Court took all of their remarks off all my credit reports and I think the XXXX XXXX should be required to do the same. In my research of laws in NY State, there is a law call the NY 5 year purge rule. It states that any collections orjudgement that have been paid in full from the first D.O.F.D. shall be removed from all credit reports ( D.O.F.D. was X/2011 ) I have provided all sorts of proof that this judgement has been paid n full and the account should be removed from all of my credit reports. I will include them with this complaint as well.

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 2018-01-03
Company: AMERICAN EXPRESS COMPANY
State: ND
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:
I signed up for the American Express Platinum card back in XX/XX/XXXX and was approved. The reason for getting this card was for a airline trip in the spring ( I was going to use miles that I acquired with this offer ) The offer was for XXXX miles after {$3000.00} was spent + {$100.00} statement credit after booking a flight online. I met this obligation on XX/XX/17 for the miles and XX/XX/2017 for the {$100.00} statement credit. The terms stated that I would receive the miles 6 to 8 weeks after meeting the {$3000.00} threshold. It is now in the 10th week and I have not received anything. I have chatted with 3 different representatives from American Express and all I am told is they will launch an investigation and this will take 6 to 8 more weeks. This is unacceptable. How hard is it to see that I met my {$3000.00} goal and to give me my XXXX miles. I had to spend {$3000.00} within 3 months of opening the card, I did it in 3 weeks. The mileage credit was supposed to be credited 8 to 12 weeks after my first delta credit, it is 12 weeks today and I have still not received my credit. American Express could easily credit this but they fail to so. This is why I am turning to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
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: Personal information incorrect

Complaint:
Today is the first time I requested to get my credit report and when I printed it out it had the wrong date of birth. It had my births mothers date of birth. I am aware she is using it and have been trying to take care of this problem for years but there is very little I can do on my end. There are several accounts in collections because of this. And my credit and personal life is being affected by this. I already did the police report but there is little they can do as well. 
For example I had an outstanding XXXX XXXX bill that was over a thousand dollars. When I moved into my first apartment I found this out when I tried to put the bills in my name. 
Loans were taken out under my name as well and this is just the beginning of the story. I would like to personally talk to someone who can really help me out.

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 2022-02-08
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAINE & WEINER COMPANY. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

CAINE & WEINER COMPA ( original creditor : XXXX ) XXXX Balance {$1500.00} ; CAINE & WEINER COMPA ( original creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance {$79.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed these Items several times with Transunion did not comply with my certified 609 letters. Please note : Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : XXXX has refused and I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd pa rties you are damaging my reputation and credit worthiness. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsectio n ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of th e investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.

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 2022-02-08
Company: CITIBANK, N.A.
State: MD
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:
I have Citicard and in XXXX I decided to use my total cash reward payment towards my monthly payment. Under Redeem Now the options are : convert to points, statement credit, direct deposit or mail a check. I decided to use it towards statement credit. I submitted this before the 8th which is the due date. A few weeks later I get notification that they did not get payment. Instead I called customer service and explained what I did and theyre telling me it doesnt count towards your balance. I was also assured I would get mailed the documentation, which I demanded, but never received as customer service is outsourced. Upon closer examination it says in small print that by choosing statement credit it will reduce your amount owed but it is not considered a payment. This does not make sense and they should have made this information stand out more and because of this policy now my required monthly payments are larger ( over {$300.00} ) when I cant afford larger payments. I have a friend who has a high position in XXXX XXXX and was recommended to report this as deceptive and stated they need a better way to inform consumers about statement 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 2017-07-26
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended the University XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. During that time, I took out two loans totaling about 44,000. At the time I did not understand the difference between subsidized and unsubsidized loans. I found out after I graduated that both of my loans were unsubsidized and totaled XXXX bucks. XXXX XXXX wanted me to pay XXXX bucks per loan six months after I graduated. I informed them that I would not be able to those payments while making XXXX bucks an hour. One of the representatives suggested that I consolidate them to get a lower payment. Little did I know that I would lose all of the benefits with these loans. Now I am locked into private loan consolidation with little to no option of lowering my payment ( I 'm doing a forbearance, but that costs me XXXX bucks every time I apply ). Now mind you that I have been paying around 400 bucks a month since XX/XX/XXXX. If I do the math, I have paid them close to 43,000 and my principal now is XXXX! Thats only XXXX going towards the principal. Talk about highway robbery. Looking at my loan information I will make my final payment on XX/XX/XXXX. By that time I would have paid XXXX for a loan that was originally XXXX. They are making XXXX of this loan! Oh and I never got the high paying XXXX job after college. All of the jobs wanted someone with 2-5 years of experiences and all of these certifications ( which cost additional money and time ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: National Credit Adjusters, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Several months ago I attempted to get into contact with the collection agency about verifying my debt. I also stated that if the debt was verified I would like a letter in the mail saying so. I also stated that I was willing to settle the debt for deletion if it was verified. Two months later I have yet to receive any kind of notice of the debt. I also didn't receive any kind of letter stating the debt. I found it one day on my credit report with no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : 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 2022-02-08
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am not an attorney or third-party rep, there are accounts on my credit report that does not belong to me, and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
Company: BB&T CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I notified BB & T on XX/XX/XXXX of unauthorized charges and checks on my account. I advised BB & T that I had not used my account since XXXX of XXXX due to job change. Two checks were deposited into my checking account ( {$6000.00} and {$2500.00} ). I advised BB & T on XX/XX/XXXX that I did not deposit check or had no knowledge of checks being deposited. I advised BB & T on XX/XX/XXXX that charges on the account I did not authorize. I have faxed in police reports to BB & T and they confirmed they did not need anymore information and just to monitor my account. The account is no longer showing on my BB & T app but I received a call on XX/XX/XXXX from BB & T collections advising me that my claim was denied XX/XX/XXXX and that they are calling to collect payment. When I spoke with centralized collections BB & T advised me I did not dispute every charge on my account. I disputed all charges on account on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01
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: Account status incorrect

Complaint:
I have contacted experian to complain about excessive and illegitimate credit inquiries that were clearly not authorized on my credit report, I had spoken to a representative by the name of XXXX whom refused to transfer me to a supervisor and refuse to address to the unauthorized and frivolous inquiries by credit agencies for instance within one single month XXXX XXXX XXXX checked my credit four different times in one month. Other inquiries from XXXX XXXX are repetitive and unauthorized Experian, XXXX and XXXX refuse to investigate this abusive process claiming they must remain for two years.

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 2017-09-15
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: Investigation took more than 30 days

Complaint:
I have been sending correspondence to XXXX  since XX/XX/2017 to have them validate and verify some of the accounts on my credit report. I sent them 3 different letters, each one month apart giving them the chance to resolve the issues. It is my understanding that in order for them to report accounts on my credit reports, they must be able to verify and validate those accounts. They never sent me anything on how the account was validated or verified even after I asked them on several occasions to do so. It has been over four months and there are items that are still on my credit report that I asked for verification on my first letter on XX/XX/2017. I would like all of those items off of my credit report since they have been unable to verify that those accounts actually belong to me. I am aware that they have 30 days, plus an additional 15 days to do so and they have failed that time frame. The accounts are on the letters I will attach. They sent me reports over and over saying the accounts were verified and remain on my account but never gave me proof of verification, like I requested.

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 2022-02-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB XXXX SSN XXXX XXXXXXXX XXXX Account XXXX I've tried several times to remove this unfair information from my report as it directly relates to a disaster issue I have no control of, and it clearly states that on the 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 2018-01-03
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2013 I opened up a XXXX 's credit card, with a limit of {$300.00}. During the duration of the time I was suppose to get my actual credit card in the mail I made a change to the place of where I was living. Furthermore, I never received my XXXX XXXX credit card. I am under the impression someone opened my mail and used my credit card at XXXX 's because the debt shown on my credit report shows around {$600.00} dollars.

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