BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-15
Company: SYNCHRONY FINANCIAL
State: AL
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:
XXXX XXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
Syncb hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
XXXX XXXX hard inquiryXX/XX/XXXX ( not authorized ).

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 2019-07-20
Company: EQUIFAX, INC.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX   Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern: While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies: 1XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any inquiry or 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 documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: General Motors Financial Company, Inc.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a late payment showing on my loan when it was not late. The payment for that specific month was to be placed at the end of the loan. This is an eye sore on my car loan as I have had no late payments & my account has been active the entire time in this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: U.S. BANCORP
State: AL
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:
XXXX XXXXXXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
XXXX hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
US Bank hard inquiryXX/XX/XXXX ( not authorized ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15
Company: Continental Finance Company, LLC
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 information incorrect

Complaint:
I have this credit card, continental finance, that was opened in XXXX and its listed on XXXX under 2 different names. The names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. While on XXXX and XXXX its listed as XXXX. I wanted to know how could I go about fixing this issue and if the credit card could report my status, because its showing the last update was in 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 2019-07-20
Company: Bread Financial Holdings, Inc.
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX XX/XX/19 Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX Dear Consumer Relations : After receiving and reviewing the results of a recent disputes sent to you, I am now requesting the method you used to verify certain items on the credit file, Victorias Secret Angel Credit Card Account Ending In XXXX. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states  that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I am requesting this for the following accounts : Victorias Secret Angel Credit Card Account Ending In XXXX As stated in FCRA 611 ( a ) ( 7 ) you must provide this information no later than 15 days after receiving this request. Any automated response or XXXXXXXXXXXX  verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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: Was not notified of investigation status or results

Complaint:
Some one please help me. I have viewed my credit report and saw some inaccurate accounts, so I sent in my disputes to the credit bureau as is my rights. As of now they have not responded whatsoever and this is really affecting my opportunities. This is beginning to feel deliberate and with so many people in this country why would they target me? I have done all that I know to do. I have even researched the laws about this which is why I am filing this complaint. The laws said that they have 30 days to investigate but that timeframe has come and gone. The laws said that they should send me results of their investigation, but I have received absolutely nothing from either credit bureau in regards to " any '' of my letters or concerns. I am frustrated that they have the authority to report wrong information, yet have the audacity to blatantly ignore my disputes about the way they are falsely representing me and my interests. This is my life and they may not care, but I take this matter very seriously! I demand that the inaccurate items in question be deleted at once.

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 2018-03-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
An account was opened without my knowledge by my now ex-wife. Upon divorce the joint account that was paying the card was closed which resulted in the card no longer being paid. As a result the card had a missed payment that showed up on my credit report. I immediately paid all fees for the account but Chase will not remove the late payment from my credit report. I had no way of knowing about this account. I did not open it. I should not have a late payment reflected on my credit report for an account that I did not know about. Chase states that I should have known about the account because it was open for a long time and statements were sent to where I was living. I did not get the mail. My ex-wife received all mail because she was a stay at home mom while I was at work. Also, Chase did not have my address at the time of the late payment. I had no way of knowing a payment was due. I tried to call multiple times to take care of this and each time was told that the late payment report was accurate and that I should have know about the account. They said it was not a bank error to allow an account to be opened by a wife in the name of a husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Trident Asset Management, L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2021 I discovered an unknown third-party " medical '' collection account being reported on my credit reports by Trident AM, LLC. I immediately notified Trident that I disputed this collection account and demanded that they validate and verify this account. Additionally, I demanded they immediately stop reporting this disputed third-party debt. On XX/XX/2021 Trident once again reported this disputed third-party debt in violation of FDCPA. On XX/XX/2021 I've provided written notice of my intent to file a small claims lawsuit against Trident pursuant to my rights under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-10
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter out to XXXX XXXX in XX/XX/2017 for verify the debt on this account. I never received anything in return about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was incorrectly charged XXXX by my insurance company and I disputed the charge and got a claim # XXXX and was credited then by my bank but then they denied my claim informing me by letter that my insurance company had already fixed the issue by crediting me XXXX when this had nothing to do with the XXXX charge. The XXXX charge was completely unauthorized and had never gave the company premission to take that payment out and they took it without my authorization so I cancelled all my policies with them since I had already paid them and had time left on policy so was refunded the XXXX related to that time left but the other charge of XXXX wasn't related to that I was informed it had to do with amounts they said I owed that I had already paid with another card but they charged this account as well and refused to refund me them when they were already paid and weren't given authorization to take the XXXX out. I only speak 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 2020-07-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bayview loans .I 'm closing on my apt XXXX XXXX XXXX.Bayview reassure me that I Wouldn't t be reported to the credit bureaus for a late payment! when the coop apt is being paided off on the XXXX XXXX XXXX.Please reach out to Bayview and have it corrected, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Netspend Corporation
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint:
On XX/XX/17 I received an email saying something to the effect that I had " won '' a {$1000.00} gift card from XXXX. There were associated posts saying this was " for real ''. I started clicking to check it out. As I went along it seemed to start turning into an application for a credit card and, against my better judgement, I continued with the process. By the end, I had been congratulated for qualifying for a " Net Spend XXXX XXXX card ''. I was annoyed since I did NOT want this credit card. I decided to wait until I received the card to call the company. Well, I never even received the card! After 3 1/2 weeks I called XXXX Spend XXXX. The customer service person was not concerned about the fraudulent way I was lured into applying for the card or that I never received it. She seemed to want a quick resolution and simply offered to send me another card or close the account. I told her to close the account. I also said that I certainly hoped that opening and closing this account would not effect my credit score. She said it wouldn't but I'm not sure she knew what she was talking about.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX Date of service : XXXX/XXXX/XXXX {$89.00} Collection Information XXXX XXXX XXXX, FL XXXX : XXXX XXXX XXXX The reason this was NOT paid was because my entire XXXX bill was under dispute for at least 6 months due to incorrect coding. WHen it was finally resolved by the physician, I thought that this was part of my coverage. Evidently it was a separate service I owed them this amount. I should have paid them at the time but completely forgot. 

My issue has more to do with the collection agency -they left me ONE message about 2 weeks ago. They claim that they sent me a notice. They DID NOT! I paid the bill in full but again, they should have sent me a notice in the mail and I know they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: AMERICAN HONDA FINANCE CORP
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: Account status incorrect

Complaint:
I have contacted these companies as these accounts were included in a chapter XXXX bankruptcy and upon health problems which was a XXXX XXXX and unable to work my bankruptcy was dismissed. These accounts went into a charge off status and when I was made aware of these accounts, I diligently Made the necessary steps to correct these reports by paying the balance made the necessary steps to correct these reports my pay and the balances on these accounts, They are misrepresented on my credit report and all statuses pertain to in these reports by these creditors should reflect that these accounts are paid and they are not collections and they are not charge-offs. I am willing to work with anyone to make these corrections by any means they suggest

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
The following collection accounts that are currently listed on my Trans Union, XXXX and XXXX  credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$8000.00}, XXXX XXXX, {$490.00} and XXXX XXXX, {$430.00}. I been receiving harassing, abusive, threatening, unfair and deceptive phone calls from the above creditors. The above creditors are in complete violation of the Fair Debt Collections Practices Act ( FDCPA ) under federal law. Im a victim of identity theft and the collection accounts are all fraudulent accounts and do not belong to me. The fraudulent accounts are not my 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 2019-07-20
Company: SYNCHRONY FINANCIAL
State: WY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NM XXXX I did not authorize anyone employed by these companies to make any inquiry or 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 documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: IQOR US INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We received a telephone call from ( XXXX ) -XXXX at XXXX XXXX on XX/XX/2018. When Our answering machine came on the caller hung up without leaving a message. We looked the number up and learned that this caller is a Debt Collection Agency by the name of Allied Interstate. We are Seniors. We do not have any outstanding debt. We do not want these People calling Our Home ... especially at unauthorized hours and not stating the nature of the telephone calls. If These People have a Legal Debt They're attempting to collect ... It would seem that the initial step would be to contact the Individual in writing via U.S.Mail. We don't owe any monies to anyone. We are requesting Your assistance in stopping these harassing and illegal telephone calls. Please Help Us. Thank You. ~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 2019-07-20
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was an error with a account that was accidentally disputed in error. Home Depot Credit Card Services was not suppose to be disputed or deleted from my credit file with XXXX, XXXX or XXXX. The account stated above is accurate and in good standing. So there is no need for a dispute. The company stated above stated that they had received a dispute in reference to this account, so they sent a request to have this account deleted from all 3 credit bureaus. An error was made when another account observed on my credit report was being disputed and some how the Home Depot Credit Card Account was disputed accidentally along with another account. My mother the primary user of this account contacted the Home Depot customer service center on XXXX, 2019 in reference to this issue to request for this account to be reported to all 3 credit bureaus not knowing the this error was made on the Authorized Users credit file ( which is me ) the customer service representative stated that she will take care of it and also notate the account. In fact the credit bureaus were contacted a few days later and stated the company Home Depot, infact can send a report to the credit bureaus stating that there was an error in this account being disputed by the ( consumer ) me the authorized user, which they will see along with this current dispute. The primary user and authorized user, both contacted Home Depot Credit Card Services. We were advised that an update or resend of the account information can be sent again to the bureaus to clear this matter up.They were also notified that this was a system error. The primary account holder has contacted Home Depot, verified the account with the authorized user to customer service representative and authorized Home Depot to disregard the dispute and the credit bureaus has stated this account can be sent to them again, just as they report it each month. This dispute needs to be escalated to someone who is not lazy and is allowing time to go by without resolving 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 2019-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX/XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 16 and pages 19 - 22 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have sent a letter asking Equifax to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.

Company response to consumer: Closed with explanation