BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-05
Company: Synovus Bank
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. My consumer protection rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE 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:
TransUnion refuse to investigate the dispute of the following account as they stated it's not me whom presenting the dispute. Which makes no sense at all. That is a stall tactic ... 

Here is the dispute again : Reference CFPB # XXXX I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with XXXX, XXXX  and TransUnion and have not receive this information. It has been over 30 days. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX I guess the Assignment of Debt was to much for them to handle ; therefore, if they can provide the Validation of Debt for the listed accounts.

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 2020-07-13
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: Public record information inaccurate

Complaint:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.

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 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize nor initiate any inquries made by GUESS WHO? BANK OF AMERICA Inquiries : BANK OF AMERICA XX/XX/2020 I did not Initiate or authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

IF YOU COME TO THE CONCLUSION THAT I SUBMITTED AN APPLICATION VIA ONLINE please provide THE IP ADDRESS AND THE WEBSITE I USED TO SUBMIT THE APPLICATION. 

In the absence of any such documentation bearing my signature, IP ADDRESS AND WEBSITE USED TO SUBMIT APPLICATION I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number ANDSEND ME A COMPLETE UPDATED CREDIT REPORT AFTER DELETIING THE INACCURATE UNAUTHORIZED INFORMATION Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : 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 2019-02-21
Company: Experian Information Solutions Inc.
State: CA
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:
1. A Hard Inquiry occurred on my credit report without my permission.

2. I did not authorize anyone employed by XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) to make any inquiry to view my Experian credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

3. In a letter dated XX/XX/XXXX, I requested documentation bearing my signature, authorizing the inquiry. This letter is attached. 

4. I mailed the letter Certified Mail to the address for XXXX XXXX  listed on my credit report. It was returned undeliverable as addressed. It is attached. 

5. Thus, XXXX XXXX is reporting inaccurate data because they are reporting a false address on my Experian credit report. 

6. The inquiry being reported by XXXX XXXX  should be removed immediately.

7. I am also attaching the inquiry pages of my Experian credit profiles dated XX/XX/XXXX and 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 2020-06-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opened a account with Brandsmart  in XXXX XXXX XXXX Florida. I took advantage of their promotional offer to buy a refrigerator. They approved me for {$1100.00}. I bought the refrigerator and some items to install it. I have been paying more than the minimum payment and have never been late or missed a payment. I have had identity theft in the past so I keep my credit locked and monitored. Brandsmart offers their credit through synchrony bank which we know services many retail stores. When I was making my payment for this month I noticed my available credit was reduced. I check to see if I was charged in error for possibly fees or interest or maybe someone used my account without my knowledge. I found that they reduced my available credit due to what they say was a review of my credit and outstanding revolving debt. The only debt they would be able to see is what Synchrony services because my files are locked. I have both Sams Club credit and Brandsmart with Synchrony. Those cards carry higher balance due to Brandsmart offering promotional rates to payoff appliances and Sams Club is a food club. Im constantly using and paying for my house hold. They never notified me before hand and gave me the opportunity to pay off the balance before they made the changes that will drastically negatively impact my credit score and worthiness by no fault of my own. I have kept my end of the terms and agreements and they have not. Im outraged and financially impacted. They have affected my ability to negotiate other credit relationships terms and conditions and be eligible for lower rates Accross the board.

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 2021-02-25
Company: EQUIFAX, INC.
State: NJ
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 has not corrected the 30 days paid late twice on my credit report for the last quarter 2020 as agreed. I have sent proof on my previous complaint and also emailed them directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has been illegally reporting non payment, affecting my credit score and generally harassing my family with threats. 

On XXXX I was alerted to a derogatory entry in my credit report by XXXX. I immediately filed a dispute : XXXX. Several hours later XXXX chaned my credit report but STILL did NOT post status as CURRENT. 
Every single payment from my account to XXXX cleared WELL before the legal definition of 'on time ' payment. 

Additionally this company had attempted to place lender insurance on my home and attempted to extort XXXX out of my family. This is well after they received proof of insurance. 


Processing XXXX XXXX XXXX BILL PAYMENT Debit - {$1400.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/2022 XXXX XXXX XXXX Bill Payment View/Edit Bill Pay - {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/2017, I mailed a check to my credit card company ( XXXX Bank ) on the XXXX of XXXX I was informed they never received payment. I checked my T.D. Bank account and saw the check was deposited. upon further investigation by T.D.Bank they informed me the money was deposited to another T.D costumer account by mobile deposit, and told me to file a police report and they would have their fraud department look into it also. I filed a police report with XXXX XXXX. ( XXXX # XXXX ) and was told by the XXXX XXXX. they would need to get a subpoena to get information from T.D.Bank, Since that time I have yet to get an answer from T.D.Bank as to why my money has yet to be placed into my account. the amount of the check was {$1600.00}, but only {$1600.00} was deposited into XXXX XXXX account # XXXX on XX/XX/2017 at XXXX XXXX, I have contacted T.D. many times along with their fraud dept. and just seem to keep getting the run around, with promises of my money being back into my account soon. I have also been in contact with the Police who now have the name of the person who stole my money but would not release that information to me. they are still investigating also. Since I feel this was a complete error on T.D bank for depositing that money into a personal account when the check was clearly made out to XXXX XXXX ( XXXX XXXX ) they should have immediately returned my funds and go after the criminal who deposited the check into their bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-05
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
We leased a car from XXXXXXXX XXXX of XXXX. At the end of the lease term we turned it in. The lady looked over the car and said we owed nothing. Subsequently, we got a bill from XXXX XXXX XXXX saying we owed {$430.00}. We called the customer " service '' line and asked for documentation showing we owed that amount. They never sent us any documentation. So we looked on XXXX XXXX XXXX  website and it showed that THEY owed US {$220.00}. [ This was 3 weeks AFTER they sent us the demand. ] We thought the matter was over. 

In XX/XX/2017, we received a letter from a debt collector saying we owed {$440.00}. We wrote to them and contested it, asking them to send us documentation showing we owed the amount. They sent us the same invoice that Hyundai had sent us in XX/XX/XXXX, which explained nothing. Subsequently, we find that they placed a negative item on our credit report. This almost cost us financing for a new furnace for our house and caused the state bar of Colorado to ask the co-leasee for an explanation of this negative credit report. 

Hyundais business practice was outrageous. They refused to show any documentation, other than an alleged invoice, to explain why while Hyundais website system shows they owe us {$220.00}, they still insist that we owe them {$430.00} AND placed a negative item on our credit reports. We do not like to owe anyone money, so we have always make payments on time. However, we also refuse to be the victims of paying any alleged unproven debt that comes out of thin air. 

All the documents we have are attached with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: CITIBANK, N.A.
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:
Citi Reported on my credit report that I was late on this account. I was never late on this account. They reported that I was late on XX/XX/XXXX ( 30 days late ) XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 30 days late ). Even more surprising was the fact on how they reported my information, which shows that they are not very accurate with their records and their reporting. 

What was even more confusing and especially very damaging to my credit worthiness is the fact ( proof will also be submitted ) that they reported me 60 days late on XX/XX/XXXX. This makes not logical sense. How can I be 60 days late in XX/XX/XXXX when I was a not even 30 days late the previous month???? 

Citi has proven an inability to report accurate information clearly by the aforementioned example and is hurting my credit worthiness. I dispute all late pays being reported by Citi. 

I will be uploading my XXXX  report clearly showing these negative inaccuracies. I believe that CITI is violating the FCRA and FACTA. 

I called XXXX  XX/XX/XXXX to dispute this information, so I know that Citi got my dispute and XXXX provided a report showing that the information came back as verified ( which is clearly inaccurate )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NC
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 response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital one credit granting entity issued a credit card from application using others information and thru credit reporting, granting credit, and responding to investigative agencies and entities have violated my rights as a consumer, committed mail fraud by responding to an investigation that they saw no fraud, which is a false statement submitted and transmitted through the us mail. 
From information from another attempted fraud application from XXXX XXXX, it was determined that the application was submitted using social security number XXXX, Im informed by XXXX that this is factual, as well as the fraudster used a previous address and name that I havent used since XX/XX/XXXX due to identity thief. 
On XX/XX/XXXX capital one sent and result of a fraud investigation stating that they saw no fraud, but sent it to my actual address, which is again using unauthorized my credit report without permission to skip trace, which the delivery of this document constitutes mail fraud because its false information applied to me personally. 

Their case investigation is XXXX, its false. In requesting the investigation I outlined my actual social security number which isnt the one that they issued the card to and requested deletion of the item, their response is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: ALLY FINANCIAL INC.
State: OK
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:
On XXXX my wife totaled her car. My insurance first tried contacting Ally to begin the settlement on XXXX. My wife called and made a payment in XXXX, just hoping to keep everything in good standing. Whoever she spoke with at Ally, they said there should be no problems in the future. After no response, and several calls to Ally, XXXX again submitted the entire break down and total loss payment. After over a month of Ally doing nothing, it took myself, a member from XXXX and XXXX from the total loss department of Ally. Even after this, they still dragged everything out and only until XXXX did they finally accept the check from my insurance, who immediately overnight shipped it to them. 

Now the problem is that they are saying I still owe {$2200.00}. They are also posting late payments on my credit. I have been having to call them several times a week to get anything done, and it's now been over a month and their supervisor XXXX in the total loss department will not even call me back. 
When I spoke with XXXX in the total loss department back on XXXX she said my pay off was {$1500.00}. So as you can see there are multiple discrepancies and Ally is in no way making any attempt to resolve 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 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 was victim of fraud and I have a Bankruptcy on my three credit reports ( XXXX, TransUnion, XXXX ) that I never authorized. The lawyer scammed me into filing a bankruptcy when I didn't need it. 
In addition, all the charge-offs accounts ( included in XXXX ) in my credit reports were in good standing before the bankruptcy including my actual mortgage that I'm still paying and it's reflecting as " Debt included in Bankruptcy '' which does not allow me to get approved for financing to get another property. 

Please I need to get this resolved ASAP, as this is causing me too much stress because I'm not able to get approved for any financing due to this Bankruptcy fraud.

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 2018-10-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
XXXX XXXX XXXX  charged off my account to XXXX XXXX XXXX per my credit report. They have not contacted me AT ALL via mail or phone call regarding this matter. Now suddenly they are calling my employer, and worse than that they are calling my boss 's direct work number!!! They have called him 4 times now just today - they tell him they need to speak to me regarding a personal credit matter - and on another call to him they told him it is regarding a collection for debt owed!!! My boss has transferred them to my direct line every time - and i don't answer because i am on the clock - so i let it go to my voicemail box - but they don't even leave a voicemail for me on my voicemail! not once have they left me a voicemail! now my boss has called me into his office and is telling me these phone calls need to stop - they are completely harassing me and they are stating details to my boss that they should not be - and they have never even contacted me directly!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: PNC Bank N.A.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
XXXX I tried to do a investment using the XXXX app. Then went to link my account with PNC to see that I cant due to some privacy policy change. I use XXXX  to save money and am really disappointed I cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made numerous attempts to have this issue resolved with XXXX XXXX regarding a negative charge off account on my credit file. The account is not my account and I have never had any business with XXXX XXXX XXXX. I have asked that I be provided with validation and verification of the debt including an authorized signature. This has not been provided. I have also requested proof that XXXX XXXX   can legally bonded by the State of Texas to collect in Texas. My consumer protection rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: MoneyLion Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
No answer couldn't reach customer service. Loan was paid in full for 3-4 days then no log-in access for 3weeks then loan payment was returned ny balance was short {$60.00} plus the returned {$500.00} payment was missing. There is also {$180.00} in savings

Company response to consumer: Closed with explanation