BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-10
Company: SYNCHRONY FINANCIAL
State: UT
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 paid off my Sam 's Club credit card on XX/XX/XXXX. On XX/XX/XXXX, XXXX weeks after it was paid in full and the payment posted to my bank, they mistakenly showed a return payment and reversed the payment showing a balance once again {$680.00} which again shows on my credit report. I have contacted them 5 times and have been told it was a error and their backend department just needs to fix it. Two months later it still is not corrected and if I don't pay a minimum payment by the XX/XX/XXXX ( which I do not owe ) will show as delinquent. This account has been paid in full since the end of 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 monetary relief
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: NY
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:
NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX Email Address : XXXX You are In Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), has violated several of my rights. 
15 U.S.C 1681 section 602. A. Clearly states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update & REMOVE this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXL XXXX XXXX Balance : {$2600.00}

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 non-monetary relief
Consumer complaint received 2020-01-03
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on 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 2017-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I  XXXX   XXXX  deposited  XXXX  checks  XXXX  for {$1800.00} &  XXXX  for {$1000.00} on  XXXX   XXXX   2017 , Both local checks same town,  XXXX  from my wife and  XXXX  from a friend, On  XXXX   XXXX   2017  both checks cleared there accounts and I am still being told by  Citizens  Bank that there not releasing the funds till  XXXX   XXXX  because there is a hold on them even after citizens has the money.   XXXX  Thank you  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
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: Information belongs to someone else

Complaint:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXXXXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 opened a dispute XXXX asking CFPB to remove two accounts which are XXXX XXXX XXXX XXXX XXXX. I also asked that the XXXX Card be updated to paid as agreed since it shows inaccurately reported late payment on three separate months. 

Today when I called XXXX I was alerted the account was permanently closed due to fraud being reported on account. PLEASE FIX MY ACCOUNT! I had account for XXXX  year, XXXX  months with one discrepancy I was asking to be fixed not for the account to be closed. This is disheartening because I value my accounts and this decision was completely adverse to my intentions on getting assistance with this account.

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 2022-12-09
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX, I filed a claim with XXXX to dispute multiple transactions I paid to the same business. In total, I spent {$2500.00}. I never received the items. Paypal explained to me that I needed to dispute each item individually although there was a partial payment of the same invoice, however when I called back on XXXX XXXX to check the status of my claim I was informed that my claim had been closed because of this. According to the FCBA and PayPal 's policy, I am covered against deception, fraud, and unfair business practices. PayPal 's buyer protection program is a contractual agreement between all parties involved, yet PayPal has refused to honor their obligated agreements for this claim. I would like for all monies to be returned to me immediately and for this matter to be brought to the attention of President and CEO XXXX XXXX. I will be contacting him at XXXXXXXXXXXX I have also made a complaint against PayPal with the FTC. The transaction ID for this purchase is XXXX. Thank you for your time and consideration on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: CITIBANK, N.A.
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a checking account with Citi promising {$400.00} bonus after keeping $ XXXX in there for 60 days. I was tedious in ensuring that I followed the correct link to ensure I was getting the offer. 

After the 60 days, I called multiple times to ensure that I had indeed fulfilled all the requirements and to inquire the timing of the bonus payout. Each time, the reps took time to review the details and assured me I had met all requirements. They told me that the payout would occur 90 days after the 60 day period ended. 

Finally after this extended wait time ends I call back again, only to be told that the promotion was never applied to my account opening, even though I was tedious to ensure it was and the reps assured me it was multiple times. 

They told me they'd apply a promotion code after the fact, only to then later say ( after filing a formal dispute ) that according to the code they applied, my account didn't meet some technicality.

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 2018-09-13
Company: BOK FINANCIAL CORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX year old veteran who served the United States XXXX during the XXXX XXXX. I am also a XXXX XXXX XXXX XXXX  XXXX. I have served my Country and Community my entire life. I am currently a XXXX   XXXX. I have been unable to get my Mortgage company to send my statements to my correct Residence in XXXX XXXX XXXX instead of another address where I do not live XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The correct address is the Property Address. I very rarely see my mortgage statements because I do not know how to use a computer correctly. My son has set up an automatic payment so we can prevent further issues but in the mean time since I was not receiving my statements this caused me to miss 2 payments this year XX/XX/2018 and XX/XX/2018. I was sending my payments through mail when I would remember to do so because I was not getting my statements so I didn't know when to send. I am now in need of major medical XXXX and I need to be able to get some cash out of my one of my houses and cant now because of this issue. If it is not resolved in a timely manner I may die. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30
Company: Experian Information Solutions Inc.
State: MO
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:
After a careful review of my credit report I discovered an unknown and unauthorized account inwhich I'm disputing and demanding be removed from my credit report. I would like to know when did this come about, who reported it and what physical contract does the creditor have that confirms my true identity to this account. Please remove/ block this disputed account, ( 1 ) XXXX XXXX XXXXXXXX {$0.00}

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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
I trust this correspondence finds you well. I am writing to express my profound frustration and disappointment concerning the continuous presence of fraudulent items on my credit report, despite numerous attempts to address this issue through your dispute resolution process. 

I have engaged in a persistent effort to rectify this matter by submitting numerous dispute requests, each accompanied by thorough documentation and evidence establishing the fraudulent nature of the listed items. Unfortunately, these diligent attempts have proven ineffective, and the fraudulent items persist on my credit report. 

I urgently request the following actions be taken : Conduct an immediate, thorough, and comprehensive investigation into the fraudulent items listed on my credit report. 
Provide a detailed explanation for the repeated failures to remove the fraudulent items despite multiple disputes. 
Expedite corrective measures to rectify the inaccuracies and promptly update my credit report accordingly. 
Furnish written confirmation of the resolution, including a clear timeline for completion. 
In light of the ongoing challenges and the adverse impact on my financial standing, I insist on a resolution within the exact timeframe from the date of this letter. The persistent presence of these fraudulent items has caused significant distress, and a swift resolution is imperative. 

Failure to address this complaint promptly may necessitate escalation to regulatory authorities, and I may seek legal counsel to uphold my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-03-04
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: Their investigation did not fix an error on your report

Complaint:
This is my THIRD time contacting these bureaus to fix issues on my credit report. I have not ANYTHING updated on my credit report since XXXX. NO RESPONSE WAS SENT TO ME NO UPDATES. THIS IS SUPER UNPROFESSIONAL. As a consumer I have rights and they have violated FCRA/FDCPA AND USC 15 1681 ( 2 ) i. These accounts need to be removed I dont want an investigation as I have been asking for one for 3 months at this point they are in straight violation. I tried contacting them via mail, phone call and FAXING and nothing was resolved. I dont want an automated answer stating this is not me I sent you my ID my bank statement along with the social so please save me from the stalling, I have lost patience at this point. 

I ALSO MY NEW ADDRESS IS XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. PLEASE CHANGE IT.

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 2022-01-25
Company: Specialized Loan Servicing Holdings LLC
State: CA
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:
In 2013 a Home Equity Line of Credit was transferred to Specialized Loan Servicing. Since 2013 payments to SLS has been made, not all on time, but in good faith. Since 2013 SLS has been reporting to the credit bureaus as a collections account. The account was part of the housing crisis and the interest rate was adjusted. Payments have been paid for almost 9 years and the status has not changed. SLS sent a 1099C for the 2013 tax year. We did not request the cancellation of debt. Since the cancellation SLS has taken upon themselves to continue to report it as a collections account. I have requested several times for a copy of the note to reflect the status of the account, additional research to resolve the issue and for my own records. I have disputed the account on several occasions and still have not had a clear understanding why this account reflects as a collections account. It is not right or appropriate that SLS is hindering my ability to repair my credit for 30 years.. Please help

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 2019-08-22
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX committed XXXX as determined by XXXX XX/XX/XXXX. The family was notified about a week later when the XXXX was found. We quickly determined that the house was in default but worth saving and contacted Navy Federal who was the lender. At this time, they said we could not speak with them on behalf of XXXX without a death certificate. This was received and immediately sent to Navy on XXXX XXXX. We tried making contact once again and were told that we now needed probate paperwork from the court as we had no will. We immediately applied for this through the court systems. Navy immediately released the house for foreclosures when they received the death certificate ( Even knowing the situation ) as now they had proof of death. Then once we got the probate paperwork back on XX/XX/XXXX we immediately sent them copies of the probate order. We also left a voice message. On XX/XX/XXXX they returned a call and said they would send the paper work out for this loan to be reworked and credit was not really going to be an issue because of the situation ; but then on Monday XX/XX/XXXX they said this process needed to go to a different department because it had been sent to foreclosure and were sending another package of paper work out for the family to fill out. We got that XX/XX/XXXX. We are completing that package and returning it today. We feel they have stepped up the foreclosure process and really just keep sending us in different directions now that they have proof of death. This man served his country and had he would not be alive today. This is not compassionate, and I am embarrassed that we would treat the any of our service people or families with so little compassion.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Mismanagement of my Wells Fargo auto loan. I was charged higher interest and fees on my auto loan. The loan number is XXXX was paid in full on XX/XX/2014.

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 2022-01-25
Company: Experian Information Solutions Inc.
State: FL
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2022-01-25
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the amount of debt on my credit report of {$4000.00} about 6 times on numerous different occasions XX/XX/30 being the last time. This is not my debt. I have never had a credit line or phone bill with XXXX XXXX XXXX in my name. I have always had t mobile or been on my mothers plan.

Company response to consumer: Closed with non-monetary relief