BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to get my credit report unfrozen with Equifax for almost 3 years now. I have faxed them all my information, called them, faxed again, sent certified letters. I can not refinance my car, apply for a home loan or do anything like login to the free Equifax account. I was told to fax and send a letter to the disputes department. I was a victim of identity theft over 4 years ago and they have some type of freeze on my account. Each time I call in, I spend over 1 hour trying to explain this to the Agents as well as their supervisor. This happens each time I call which has been almost everyday for the past month, Each time, I'm told - there's no block on your account - or, there's a block on your account from identify theft. And then they tell me it's fixed. But, still, I can't login to get my free credit score, lenders can't access my score either. There's zero follow up. Yesterday, I called at XXXX pst and spoke to someone who told me theres ' nothing wrong and then made me try to login to my account over and over again. Same message - code BLNK OR NH OR call us at this number. Nothing is working and I'm ready to begin taking legal action against this company as NO ONE WILL HELP AND NO ONE DOES ANYTHING. This seems like an issue with Equifax and I've filed 2 complaints before. They don't reach out, they just close the complaint with - " we see no block on your account. '' I have names/times and screen shots plus lenders that tell me they can't get my report. THIS IS THE WORST COMPANY EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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:
Facts : The Bank in Question is named XXXX XXXX Bank aka the XXXX XXXX XXXX 's payment was reported as 60 days past due Bank has my correct email & mailing address on file. 
Bank has my business line, with a robocall blocker, as my primary contact number. 
XXXX Mortgage payment was received and withdrawn from my account on time. 

On XX/XX/22 I contacted customer care because my credit monitoring service notified me of a delinquent account. After speaking with XXXX @ customer service, she found that the XXXX payment was made on time AND withdrawn from my account, but it was short by around {$100.00} due to an increase in the payment due. It seems there was an escrow shortage I wasnt aware of. She informed me that the funds were being " held '' in a suspense account instead of being applied to my loan. 

I immediately made a payment for the shortage AND another payment to cover what would be a XXXX shortage. My payments are automatically paid by my Banks BillPay service, so XXXX payment was already issued. She assured me that the late fee would be waived and that the delinquencies would be removed from my credit by XX/XX/22. I spoke with 3 other XXXX XXXX representatives, over the course of 3 weeks, that assured me the issue would be resolved, but nothing was done, nor did I hear back. On my final call, I told the agent that I would be contacting the CFPB if I did not hear from someone regarding my issue. After a few days, I got a call from the XXXX of Customer Relations, who is named XXXX. She explained that she reviewed my case, payment history, and spoke with her credit department. While she agreed XXXX XXXX received the funds on time, they are still considered late due to the shortage, and they were not willing to do anything to remove the delinquency from my credit. I argued that : 1. I was never called. XXXX said I was called 9 times but I never received them due to the robocall blocker. 2. I was never emailed, which is my primary form of communication, and the way I receive my statements 3. I was notified by mail AFTER the delinquency was reported. 4. The funds were not rejected or returned to me. My primary argument is that if the funds are accepted and withdrawn from my account then the payment can not be late. It is my belief that a partial payment is still an on-time payment, especially when it's 95 % paid. If nothing more, a human being could have contacted me to notify me that I had a shortage. 

I can provide documentation evidencing the on-time payment, but that's not really being disputed by either party. It's that a partial payment, being held by the bank, should not be considered late without being rejected or refunded. If further documentation is needed please let me know so I can provide them. I've kept records of my payment history, bank statements, emails to the bank, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is reporting as a Factoring Company on all of my credit reports. Factoring is done on current accounts, not those that are in default and have been sold off to a collection agency, which is what this company is. 
Since the company is reporting as a Factoring Company, I would like for Portfolio Recovery to prove that it factored the accounts while they were still current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Experian Information Solutions Inc.
State: OH
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:
Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several fraud/unauthorized inquires listed. As a reference, please see the below inquiries XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX & XX/XX/XXXX & XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I am hereby notifying you that neither on that those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 

Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.

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 2023-09-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit 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:
On or around XX/XX/2023, my XXXX, paid her XXXX XXXX payment that was due on her card. It was mistakenly credited to my account balance. 
Between XX/XX/2023 and XX/XX/2023, after receiving my statement and noticing the mistake, I called to have the payment she made to my card transferred over to her card. They debited my account for the amount she paid which was XXXX. However, somehow, they debited my account XXXX  for the same amount. XXXX  once to pay the balance on her card and then again, now leaving a balance due on my account of XXXXXXXX 
I then called sometime in XXXX after receiving my statement to tell them of the mistake, and after an hour on the phone they promised it would be fixed, listed it as a dispute, and that I would need to wait XXXX  days for it to be resolved. 
After the XXXX days had run, they said it was a correct charge and listed my account as XXXX past due at which time I started to receive emails, letters, and, for the first time in my life, put into collections. 
I have called a minimum of XXXX  times, spent approximately XXXX hours on the phone, most recently on XX/XX/2023, attempting to have them remedy the problem. After every single phone call, I am told that they see the problem, they will remedy the situation, that they will send me a letter telling me it's been fixed and notify the credit bureaus. 
Then on XX/XX/2023, I receive a letter from XXXX XXXX Bank XXXX XXXX that they are correctly reporting to the bureaus, that my account is past due. 
I received a notice on XX/XX/2023 from XXXX saying my credit report was decreased by XXXX points, on XX/XX/2023, XXXX XXXX closed my account which further decreased my report, on XX/XX/2023 and again on XX/XX/2023 it was flagged as XXXX days past due. 
I am at a loss as to what to do. There is an outstanding balance due of XXXX plus interest and late charges of XXXX. There were never any purchases made in the amount of XXXX. If they would just look at the monthly balances due and back out the purchase amounts they would see that it is a mistake that their company made. Also, wouldn't they see that it is a bit strange that the payment amount was XXXX  and the balance due is XXXX?? It absolutely unacceptable. I have done nothing to deserve any of this treatment. I want the charge removed. I want the interest and late fees removed. I want my credit line restored on the XXXX XXXX card and I want them to correct the credit bureau flags as soon as possible.

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 2022-03-14
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Approximately 3 months ago my credit report started not being able to pull from XXXX XXXX XXXX XXXX XXXX or any creditor trying to pull my report, i am contacting because i've exhausted myself calling customer support with no luck or positive action taking steps. When this first started happening i was only able to pull myreport on my login with XXXX as the email this started only reporting 2 or so things which is very inaccurate i then made another login with the email XXXX and everything fully pulls on there and shows perfectly fine. i'm seeing what you're able to do to correct this situation because i've been trying to purchase a house and am unable to because they can not verify equifaxes report. like i have previously stated i've exhausted myself with multiple letters and phone calls. My next steps are to file suit if this isn't fixed in a timely manner.uploaded my XXXX report which should reflect the same information on my equifax report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
The loan was consolidated from XXXX XXXX in 1997. The interest rate is/was 3.120 %. Since 1997, I have continued to make payments on the loan and the loan has not paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I requested a {$120.00} check be issued and mailed for receipt on XX/XX/2023 to a known individual via USBank 's bill pay system. The check was issued and cleared my account on XX/XX/2023, however, it cleared for {$1100.00}. I viewed the digital copy of the check via the bank 's mobile application. The payee on the check did not match the payee I requested and the amount was not the amount I requested. The check was endorsed but no other banking marks are visible. It appears to have been deposited via a mobile application. On XX/XX/2023, I visited my USBank branch. I worked with a teller who contacted the bill payment fraud department. I was told I would have to complete a paper Affidavit of Unauthorized Paper Debit form and return it to the bank and that the form had to be mailed, not emailed. I asked for a provisional credit of the {$1100.00} as I did not issue the check, USBank did. The bank informed me that I had to wait 10 days for a provisional credit. I received the affidavit letter ( dated XX/XX/2023 and postmarked XX/XX/2023 ) on XX/XX/2023. I completed the document and returned to the bank on XX/XX/2023 so they could fax it to the fraud department. I again inquired about the provisional credit and was told the branch XXXX would contact me when he returned. I never received a call so I called the fraud department directly on XX/XX/2023. They told me I was not entitled to a provisional credit as this was a check fraud issue and I would have to wait until they completed their investigation.

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 2020-03-04
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX Zelle Money Transfer XX/XX/XXXX, {$750.00} Security Deposit, took the money and started asking for more and then became quiet when I said no. 

Receivers Name : XXXX XXXX Name : XXXX XXXX City : XXXX State : Georgia Zip code : XXXX Have an email thread. 
Looking to get money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: Experian Information Solutions Inc.
State: AR
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 went to file my taxes and I was told my identity has been stolen because some XXXX had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX  XXXX {$4800.00} XXXX XXXX XXXX {$130.00}

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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 went to file my taxes and I was told my identity has been stolen because some one had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$5600.00} US DEP ED XXXX {$14000.00} XXXX XXXX   XXXX {$500.00} XXXX XXXX {$540.00} XXXX/XXXX   XXXX {$250.00} XXXX/XXXX   XXXX {$500.00} DEPTEDXXXX   XXXX {$4500.00} DEPEDXXXX   XXXX {$3000.00} XXXX XXXX   XXXX {$0.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX   XXXX {$230.00} XXXX XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$540.00} XXXX   XXXX XXXX XXXX {$420.00} DEPTEDXXXX XXXX {$1700.00} DEPTEDXXXX XXXX {$4800.00} XXXX XXXX XXXX {$130.00}

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 2022-02-23
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:
all inquiries on my credit reports are fraudulent and the accounts listed on my FTC report is also fradulent. please remove this is a real hassle for me trying to get my credit profile back secure. please delete all fraudulent information

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: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The GM finance said that my last payment was made on XX/XX/2019. So they stated that I have not made a payment in 3 months. I have automatic deduction from my checking account. Ive paid automatically online for the last 3 years, why would it not take auto deduct the last 3 months before the lease ends. This is there online website error. Not my fault. I did not know I was not paying the car payments. No email was sent to me. Or no letter of late payment was mailed to me. I recieved phone calls but it sounded like scammers calling. They did not sound professional. So my car was repoed and I had to pay {$600.00} for the car to get it back in my care. Plus the 3 months of not paying the car loan, which I didnt know was not collected. My excellent credit is now ruined from this error on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Recently came across an incorrect debt collection report on my credit report. I have notified both alleged collection agencies about this. When I asked for proof of said claim, they did not respond. One company closed the account and stopped reporting but it still appearing on my credit report. I further did investigation on both so called agencies which are scams and have been reported numerous of times to the XXXX ( XXXX XXXX XXXX ) for claims they have had against other individuals as myself. I have also Contacted all 3 credit bureaus on this as well with nothing but a verified status but with no actual proof that this claim belongs to me which it doesn't.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-02-09
Company: Volvo Car Financial Services U.S., LLC
State: PR
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:
Apparently someone used my social security # /credit information to obtain a new vehicle on XX/XX/2020 via Volvo Financial Services XXXX Said vehicle was apparently later repossessed and I'm seeing an outstanding balance of {$10000.00} charged against me on my credit reports! I opened a report # XXXX yesterday on XXXX and they explained to me to contact ftc.gov to report it also ( I HAVE credit monitoring, alerts AND freezes in place yet this still happened! ) I live in XXXX XXXX, I have at NO time lived or visited South Carolina and much less authorized or purchased ANY vehicle there!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: SYNCHRONY FINANCIAL
State: IN
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: Card was charged for something you did not purchase with the card

Complaint:
open XXXX/XXXX/2015. Credit Card with SYNCB/PPC. with a balance of XXXX, credit limit of XXXX. I have disputed this account with the credit bureau and it still has not been removed from my credit report. This is not my account. I have no idea where this account came from and I don't have an account with Synchrony Bank

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