BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-30
Company: QC HOLDINGS INC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
Five unauthorized ACH transactions were made to my bank account on XX/XX/XXXXfrom this company. Two for XXXX and three for XXXX. I did owe the company for an overdue loan, but I believe taking money from my bank account without my prior knowledge is illegal.

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 2021-03-09
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
On XX/XX/2021 Citi lowered my credit limit on my card ( XXXX ) claiming that I had missed payments on my card. I called and opened a dispute as this is not the case. I have all my credit cards on auto payment and have not missed a payment, made any late payments or gone over any on my card limits in more than 7 years. 
What Citi did is the lowest of the low. My mother died on XX/XX/XXXX and they were paid in full an on time. I was diagnosed on with XXXX 2 weeks later and still paid my card on time and in full. I even paid my balance down {$2000.00} so my family had emergency funds in case anything happened while I was in the hospital during surgery. 
Citi then lowered the limit on my card to match my remaining balance and then claimed the credit to debt ratio was too high. What they forget to tell everyone is they MADE is that ration high with their dishonest and deceptive credit practices and the time of need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Marlette Funding, LLC
State: TX
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:
I filed dispute a dispute in regards to excessive incorrect information that is being reported on my credit report. It has been well over 30 days and I have not received any investigation results nor any of the evidence/proof documents that I requested from the reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: EQUIFAX, INC.
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:
My credit card is automatically debited each month for access to my credit score BUT when I try to access it they are indicating I dont pay for that service when in fact I DO. I want proper access OR a complete refund for payment of NON- service. I have checked online for the monthly amount to verify what they charge for this service. It is still the same. I have NEVER received ANY notification indicating I can no longer receive my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: EAST WEST BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Missing funds from XXXX XXXX/2016 from job t account they said one person pulled all the money out without theothers on the account XXXX.want the documents to prove the money was withdraw money returned held moneyfrom account for an over payment on mothersdeceased ssi

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 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 a account without my written instructions. 

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 explanation
Consumer complaint received 2019-04-23
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Okay this happened in 2012 and I was young. I was trying to buy something on a XXXX server and it was XXXX and I never received the stuff I should have so I tried it again. Still nothing ever happened talked to the people on the server and I talked to pay pal and they just never did anything with the money but it was taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have a resolution from Wells Fargo stating that they have committed fraud on my credit report. To this day there is false information on my credit report for four accounts that were not authorized by me. Wells Fargo has recognized the errors after three years of having to dispute this issue. But my credit report is still showing the errors.

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 2017-09-13
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
It is unjust that 3 businesses can have access to such personal and potentially damaging information such as my Social Security Number, and be so careless with the security of these sensitive materials. Even more unjust is that in the wake of their negligence, we the consumer, must pay $ XXXX {$10.00} simply to institute a credit freeze, which at this point is a syringe of water to extinguish the forest fire that is our lack of adequate protections. 

If a credit freeze is my only option in the wake of these companies ' negligence to properly secure our information, then it should at least be free.

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 2022-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Evening, I'd like to inform you that I have submitted personal dispute letters regarding my credit reports that I recently obtained. I have received none stop high APR credit card offers in the mail & I do not think it is fair or legal to invade my privacy far as having this sort of information being reported inaccurately on my credit report. I sent in a letter asking the credit bureaus to investigate this issue & they sent me back a letter stating they needed more identification to prove I was really who I am, I sent in my Driver Licenses, SS Card, Proof Of Mail, and they wanted to make sure I wasn't a Credit Repair Organization? It is not illegal for me to obtain Credit Repair from an Organization according to the FCRA. The letter is provided below & I would like for this issue to be fixed asap as it is hindering me from obtaining credit during this Recession.

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 2017-07-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account status incorrect

Complaint:
Back on XX/XX/XXXX my mortgage was in the process of foreclosure, however during negotiations thru my attorney and Bank of America 's attorney a resolution was reached to pay the back charges due and resume normal activity with mortgage, with no foreclosure and we remained in the home. This was completed sometime in XX/XX/XXXX. So for 6 years I have since made all payments as requested and per monthly statements I receive. Tax 's and Insurance is up to date. The last reporting date on my credit bureau, shows XX/XX/XXXX, and shows current under " payment status ''. But " account status '' shows " closed '', when the balance is XXXX from XXXX when this was worked out through Bank of America, so balance as dropped as shown, I am not being given credit on bureau since XX/XX/XXXX, and this reports on XXXX and XXXX XXXX. I have called many times but can not get this resolved, and always have to speak to a automated person, or be transferred to someone else who can not help me, except they say " it takes time for updating '' Really? its XX/XX/XXXX, a year and half, since they lest reported. I am not sure why it stopped reporting, as it was reporting current payment but with a closed account?!? I am confused, and need this corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Department of Education and all 3 credit bureaus along with XXXX  continue to report older information over 8 years old that has been paid/closed/settled for 7 years or more. I want these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
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 information incorrect

Complaint:
I have check my credit report it now shows my credit has drop by 71 POINTS!! and the only changes are XXXX XXXX  Between XX/XX/2019 and XX/XX/2019 the following remark was added to this account : Consumer disputes - re investigation in progress, XXXX XXXX : Between XX/XX/2019 and XX/XX/2019 the following remark was added to this account : Consumer disputes - re investigation in progress, THESE two disputes have decrease my score, I can NOT win with your company it seems as when I dispute these accounts I'm being hurt because of it, my credit score should NOT be affected due to opening two disputes again, Please correct and fix this error done by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was behind in my credit card payments with Synchrony Bank. On XXXX XXXX told representative I will make a {$30.00} payment via checking account on XXXX XXXX and will call later to apply for payments with less interest. On the XXXX Synchrony withdrew {$30.00} twice without my consent and knowledge. This caused an overdraft fee with my bank XXXX because they paid the extra {$30.00}. Now my checking account that i pay my bills has a negative {$92.00} balance. I explained what happened to XXXX rep. they say I have to get Synchrony Bank to return the second, extra {$30.00} to them. Synchrony refused to do it. Therefore my checking account will remain in a negative balance until and when Synchrony decides to correct it. I will not pay for anyone mistake, negligence or deceptive practice. I also do not have automatic withdrawal payments from my checking accounts exactly for this reason. I read companies take out extra money from people`s 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 2019-01-12
Company: CITIBANK, N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Citi Checking account at the XXXX branch located at XXXX XXXX XXXX XXXX, NYXXXX last XXXX. 

I was assisted by XXXX XXXX, who no longer seems to be working there, and XXXX XXXX XXXX. Her contact number is XXXX. All attempts to contact her by phone failed, and emails where unanswered. 

According to the checking promotion I used when opening the account, after making a {$15000.00} deposit and maintaining that balance for 2 months, I should have been credited a {$400.00} bonus within 3 months of meeting the requirements. I met those requirements in late XXXX and the bonus was never credited. I can provide an email I received from Citi shortly after opening the account, reminding me of the bonus requirements. 

I contacted customer service on several occasions. The first few times they assured me that all requirements had been met and that the bonus would be credited 90 days after that. Coincidentally, after the 90 days elapsed, they started insisting that according to the terms and conditions, a savings account was also required and they initiated two requests that did not fructify ; I also contacted more than five chat representatives through my online account. The case number I was provided with is XXXX. 

According to both the promotion I brought to the branch and the Citi email that I received shortly after opening the account, this is not the case. Not only that, the promotion is explicitly referred to as " Checking Bonus ''. Furthermore, when the banker asked me if I was interested in opening a savings account, I double checked with him to make sure that was not a requirement, and after inspecting the promotion he said that it was not. The savings account requirement was only buried in the terms and conditions. 

I have never experienced this degree of dishonesty before.

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 2019-10-15
Company: Experian Information Solutions Inc.
State: VA
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 disputed a reporting issue with a debt collector XXXX XXXX XXXX. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XX/XX/XXXX they bought the debt in XX/XX/XXXX and havent updated the file on Experian since XX/XX/XXXX. The Lien on the house was released in XX/XX/XXXX and they bought an unsecured debt in XX/XX/XXXX. They are  reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to XXXX XXXX XXXX. I have also notified Experian several times to no avail. They will only let XXXX XXXX XXXX change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with XXXX XXXX XXXX and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. XXXX XXXX XXXX is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage. 
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty

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 2018-01-09
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my federal subisidized and unsubsidized student loans in 1995 with Great Lakes. I was told at the time I consolidated and every year after that, that I was in the XXXX  and Public Service Loan forgiveness program. At the end of my 10 years of making automatic payments to Great Lakes, I was told I did not have that type of loan. I could refinance to that loan and begin paying triple what I have been making for another 10 years. I now have to go off my husband 's income. I have been paying on these loans for 13 years and still owe what I borrowed. Please help me. I will provide any documentation if you think you can hellp me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX,
2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with XXXX, XXXX, and Experian and it remains on my credit file.

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 2019-10-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was born XX/XX/XXXX This account was opened XX/XX/XXXX by my Father who has the same name. 
I was only XXXX at the time the account was opened. 
Its more than 9-10 years old ( the acct ) and is closed/has been.

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 2017-07-31
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record must include name and address as well as social security number or date of birth in order for it to appear in your credit file. The credit Bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report. I disputed this item with Equifax, XXXX, and XXXX and it remains on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in Trans Union and XXXX both and I do not remember I have authorized any one of  them doing 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