BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-11
Company: Experian Information Solutions Inc.
State: MI
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: Problem getting your free annual credit report

Complaint:
For unknown reasons Experian and XXXX have denied me my free credit report via online. On XX/XX/22, I attempted to order my Experian & XXXX Credit reports. Request for my Identity verification was successful- Both Experian and XXXX sent me a code to my phone which I immediately entered into the proper space, But still denied. There is no reason for Experian and XXXX to restrict me from obtaining a copy of my credit report online. 
If there is a security problem with my credit report than it is essential that both XXXX and Experian provide me with the SPECIFIC security issue so that I may protect myself going forward. There for I am requesting the specific reasons why I was denied an online copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Synchrony Bank with Discount Tires had an unknown individual make a fraudulent payment on my account showing a zero balance that I did not place using their automative system meaning someone has access to my account I did not make the phone payment myself or anyone else who is authorized to use my account did not make this payment either. The reason why this is an issue is because I have a promotional offer that waves interest for a certain time period and I do not want to lose this promotion. 

My initial call, the customer service representative had me on hold for 33 minutes refusing to transfer me to a manager or the fraud department while already being aware my account had been compromised. I used another phone I had in my house and was able to get the fraud department within 3 minutes. The fraud department wanted to then send me back over to customer service even though I told them I did not make the payment and someone is playing with my account. The proper steps for Synchrony to do was to cancel my account and to provide me with a new account number and card but instead nothing is being done on their side. Their fraud department and customer service representatives need to be trained better as this could really cause issues to individuals livelihood during a precedent time like this. I find how they handled this matter un-acceptable and if they are not able to trace who places calls on their automative system... why do they have one? Please investigate this company.

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 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9900.00} XXXX  XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$130.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$9900.00} XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX XXXX 2023 XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In early XXXX I tried to lift my security freeze with Equifax to pay the power bill at a new house. The online system locked me out for no apparent reason ( despite the fact that I entered the 10 digit pin Equifax gave me when I initiated the freeze. ) I called, but the company declared that they could not be sure I was me. I needed to mail or fax my proof of identification. In late XXXX I mailed them a letter attesting that I was who I said I was and asked them to lift the freeze. In mid XXXX I received a form letter which did not address the issues raised in my letter and demanding that I mail them a my name and social security card. Despite calling multiple times to protest that this was insecure, they insisted. So in XXXX I mailed them another letter with a photocopy of my drivers license and social security card, in black and white, front and back as they requested. I called after two weeks and again after four weeks. Equifax assured me that such letters were processed within 5-10 business days, but they had no record of receiving my identification. Now I am to fax them a copy another letter, another copy of my drivers license and social security card. They tell me it will take up to 10 days to process even a fax. After four months I still can not log into the online system or get my credit freeze lifted. I have been unable to pay the power bill at my home or refinance my mortgage because Equifax won't deal with me to lift the security freeze. After 3 letters and more than a dozen extremely frustrating phone calls, I can not do business. 

Equifax is not a company with which I have chosen to do business. It is not a government office which would have some accountability. It is a private company with unreasonable power and leaves Americans with zero recourse to, " I'm sorry ma'am. We can not help you at this time. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, Experian and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2020-03-04
Company: AES/PHEAA
State: MS
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:
There have been at least 12 accounts for student loans that have been fraudulently opened under my Social Security Number and I have never attended a college. I have fought this since I first seen it in 2010 and they keep telling me that I am responsible for the loans even though I never have went to college. My tax returns have been garnished for years over these loans and I really need for these to be removed and my money returned from what they took from me in Income tax refunds more than {$16000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I was trying to purchase a golf cart online on XXXX XXXX. It was supposed to be a cash deal, but when I brought cash out, the gentleman said he refused to deal with cash and that we needed to do the process through XXXX XXXX and cryptocurrency. Hesitantly, I moved forward and the next morning I woke up and my bank account was empty and the person had withdrawn money out of my checking account and made mini withdrawals Onto the cash app in which they took that money and put into their own accounts. They also tried to make XXXX different {$5000.00} wire transfers out of my checking account. They took all the money I have. Now I am receiving cancellation letters from every single credit card, and can not get a credit card, they are all denying me, even though I am well qualified for these cards.

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 2023-10-01
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contacted this company in XXXX XXXX XXXX regarding this account being fraudulent. XXXX XXXX XXXX XXXX XXXX XXXX The company agreed to remove the account only to find out it was sold to a collection agency LVNV Funding LLC. 
Fraud report was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello, In XX/XX/XXXX I noticed my XXXX account was hacked resulting in more than {$520.00} in fraudulent charges being charged to my debit card on file. I reported these fraudulent charge to PNC Bank and a provisional credit was applied to my account. I changed my passwords and was issued a new debit card. In XX/XX/XXXX, PNC then reversed the provisional credit applied to my account and debit more than {$520.00} from my account. When I called the bank to dispute these fraudulent charges *again* I was informed that " my request was denied ''. These charges were fraudulent and remain fraudulent. They are not offering any recourse for addressing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2023 I received Equifax correspondence in regards the blockage of all identifying information mentioned on FTC report with the response that Equifax won't be blocking such information since they need proof of identity, information to block ( list of account ) identified by consumer ( me ) and a complete FTC report.

This information was provided several times and Equifax refuses to block information, even though, requested documentation had been provided. 

Under Section 605B please block all identified information listed on my report. 

XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-07
Company: WELLS FARGO & COMPANY
State: TX
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:
Dear CFPB, This letter is a complaint regarding the Wells Fargo Bank XXXX XXXX XXXX 's negative handling and lack of response to disputes between customers and merchants, where they simply collect salaries without performing their duties. 

Recently, I made a purchase from a merchant on XXXX. The seller claimed to offer free returns and a 75-day buying protection. However, when I tried to return the item a month later, I discovered that the seller did not honor their guarantee of free returns and even refused to accept the return. I have already filed a complaint with the XXXX, but XXXX has never responded to any of the consumer complaints and continues to conduct business in the United States. 

Frustrated by this situation, I had to initiate a dispute. However, during the process, I found that my bank was handling my dispute in a passive manner. They readily refunded for inexpensive items but claimed to have filed a case for larger amounts after I provided details over the phone. 

After waiting for several weeks without receiving a claim ID email, I made two phone calls to inquire about my ID. Surprisingly, the bank informed me that they were unable to provide a claim ID. I asked them how I would know if they had completed the work without a claim ID. During the phone call, I provided all the details I knew when I submitted the dispute, albeit only verbally. The bank 's passive handling involved categorizing these cases as " lack of evidence '' and deliberately disconnecting calls, stalling the process until I asked again, only to be told they couldn't provide an ID. It seems that this bank employs these complex and burdensome tactics to discourage new immigrants from pursuing disputes, thus reducing their workload. 

If such difficulties arise during the application phase, I seriously doubt their ability to handle my dispute. I request that the authorities exercise oversight and management of banks, preventing them from resorting to such unethical practices of reducing their workload by exploiting language barriers faced by new immigrants while still collecting fees without fulfilling their responsibilities. 

Sincerely, 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 2023-03-15
Company: Home Loan Center, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was told I was approved for a {$5000.00} personal loan. After I signed the Loan Agreement and sent a copy of my ID that they asked for, I never heard back from them. So I called the Lending Tree. When I spoke with a Rep he said he couldn't find a file on me. When I explained what had happened and gave him the information that was sent to me, he said it was a scam and that I needed to file a complaint and contact all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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 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 non-monetary relief
Consumer complaint received 2023-10-01
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction.

Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2023-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Have sent several letters to portfolio recovery for verifiable proof that the said debt is mine. I have failed to hear back from this company. It has been months with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Coastal Credit, LLC
State: IN
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:
I have contacted Coastal Credit ( inquiry XX/XX/XXXX ), XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX, and XXXX. I let each of these companies know that I did not recognize the inquiries that THEY placed on my credit report. I asked each company to provide me with a written consent from me indicating that I agreed to the credit inquiry. After several hours on the phone getting nowhere with each of these companies and getting the runaround, I decided to send a formal letter to them ( each letter is attached ). I have found that most of the companies that are reporting information out on my credit report are receiving their " inquiry '' from a 3rd party and are not the actual furnisher of the data. This fact makes it even more imperative to see the written approval with my signature.

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-03-14
Company: CITIBANK, N.A.
State: MS
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/2021 opened a Citi savings account, in response to their solicitation. Citi bank offered me XXXX XXXX XXXX miles if I opened a savings account and deposited {$50000.00} dollars for at least 60 days. I completed the requirement, but Citi bank has not provided the miles they promised. 

When I initially asked them why I had not received the miles, they told me to wait another 60 days. I still have not received the miles.

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 2018-12-28
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I returned a {$75.00} Item to XXXX. The refund was applied to a XXXX XXXX Personalized Visa card. Shortly after this transaction I was no longer able to log in to my account. When I called US Bank ( the administrator of the Visa card ) to find why I was no longer able to access my account I was informed that a return was processed to this visa card however the original purchase had not been made with this visa card. They informed me that my card was inactivated and the full balance of {$350.00} was not available until the return was reversed or I produced receipts for the transactions. I informed them I did not retain the receipts from the purchase and XXXX is not likely to forcibly remove the return from the card. They informed me that those were the only two options. I asked them to close my account and send a check for the outstanding balance. They would not close the account they would only deactivate the account. I informed them they had no right to deny me access to my full prepaid funding over a difficult to reverse clerical error that represents a fraction of the full amount I had put on the card. They offered no other resolution. US Bank has manipulated their policies so as to leave my funding ( paid in cash ) in an account inaccessible to me until their monthly service fees consume the balance and then the account would be closed. I feel US bank has implemented policies that facilitate what amounts to theft.

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