BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been watching my credit scores on XXXX XXXX for 10+ years daily. My scores on both Transunion and XXXX have stayed within 710-730 range the entire time and fluctuate weekly @ 10 points depending on what's been paid etc.

On XX/XX/2019 my XXXX score soared up 85 points. On that same day Transunion only increased 7 points, but that was because 2 cards totaling roughly @ {$3000.00} was paid down. Transunion never reflected the score increase associated with that bankruptcy being removed. When I called Transunion and got up to the special department for that they still said that it automatically calculates, but it obviously did not. They referred me to the FTC and their site referred me here.

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 2019-06-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2019 my husband XXXX XXXX went to TD bank to pay a negative balance on our account. XXXX XXXX asked one of the tellers if he can use my debit card to put money on his account to pay off his negative balance. I was outside in the front of the bank on the phone. I happen to walk in and the teller said his name isnt XXXX XXXX. I told her Im XXXX XXXX and she asked for id which we gave her. She looked at the ID And looked at the debit card and looked at me and asked us what is it that we wanted to do. XXXX XXXX explained to her again. That he wanted to use my card to pay the negative balance on his account. Durning the entire conversation she wouldnt look at my husband who was speaking to her. She was just giving me eye contact. She said she process the payment and it was decline. She was extremely rude still no eye contact with XXXX. She came back with no receipt of proof that is was decline. she was talking to my husband without eye contact again. I didnt believe she even really swiped the card. After she said it was decline my husband asked her to put in a lower amount to see if it would go through.She automatically said no she cant do that and pushed our IDs and debit cards back to us. After my husband went to their atm right outside the door. XXXX put my debit card in to see if he can withdraw money. XXXX XXXX was able to withdraw the money from my debit card that she said declined, and was able to deposit the money into the TD bank account. I feel she was discriminating against us because we are XXXX customers. She was rude the entire time, And we check my bank statement to see if she attempted to take out the amount that was asked, to see if it declined. No transactions were shown other then the one my husband took out himself. So it kind of looks like she lied about even trying to take the money out. Im disappointed in being treated in such a manner with my husband. I will like to go further with actions being taken against the bank teller. We dont know the bank teller name but we do know how she looks like. I wonder how many others she discriminated against the same way as ours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX  XX/XX/XXXX ; XXXX 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 2023-02-06
Company: Atlanticus Services Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Fortiva credit card has 2 credit card accounts that were opened as a result of identity theft. Ive sent documentation verifying that however they continue to not honor the request to investigate and remove the fraudulent accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Synchrony account manager stated a refund of {$92.00} was due on my account within the next two days. She stated this on a record line and documented this in her notes on XX/XX/XXXX. I called today and a representative saw the notes. The {$47.00} was credited for the second return that I had sent ; however, the {$92.00} was not credited. Instead, recently, I received an email stating that a credit of {$13.00} was being issued and now I have a positive balance of {$13.00}. This is not correct. I paid the account out and should have a positive balance of {$92.00}. I have written to the CEO, talked to her assistance who fraudulently placed a credit of {$13.00} that had been issued months ago on my XXXX XXXX card from XXXX. They refund XXXX   {$13.00}. There is someone doing illegal activity on my in house XXXX Account and placing fraudulently another {$13.00} on this account instead of {$92.00} that was recorded by an account manager. No will discuss this from Corporate. Yet, tonight, XX/XX/XXXX, an account manager sees the notes that I am referring to ; she does not have a clue why the {$92.00} has not been refunded. This is fraudulent activity on my account by staff with Synchrony.

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 2019-06-03
Company: Scheer, Green & Burke L.P.A.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from the law offices of Scheer, Green & Burke , Co. L.P.A. dated XX/XX/XXXX to collect {$200.00} on behalf of the City of XXXX Camera Violation for an violation they claim occurred on XX/XX/XXXX. 

I have a couple of issues with the debt collection : 1. It is a 9 year old claim and should be well past any statute of limitations 2. I was not the  driver of the vehicle at the time of this alleged violation. 

Requesting your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX  XXXX XXXX Balance : {$6000.00}

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 2023-02-13
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I have sent multiple dispute letters to the bureaus regarding the fraudulent account on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2019-06-03
Company: Experian Information Solutions Inc.
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:
The accounts on my credit report do not appear to be mine. There are also missed payments that are inaccurate.

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 2023-01-01
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:
XXXX XXXX XXXX, is not stating that monthly payments are being paid. I negotiated debt, and my balance is showing incorrect amount I owe and not being paid. I have statement/bill which, shows new amount owed and being paid. 
The original creditor was XXXX XXXX Bank I can upload statement. 
XXXX is balance owed, not close to XXXX. 
XXXX XXXX refuses to make changes on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have now had three inquiries from XXXX on my credit report. I have never used or interacted with XXXX XXXX company at all. How do I prevent this from continuing to happen??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: EQUIFAX, INC.
State: TN
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:
XXXX XXXX XXXX My credit report is dinged as a paid charge off of {$7800.00} My husband totaled this car and I had GAP insurance, Gap Insurance only paid {$100.00} of what my other insurance did not pay. 
I agreed to pay {$3500.00} of the {$7800.00} So they are reporting incorrect amount and I am needing to purchase a home and this is charge off that should have been paid my insurance or Gap insurance needs to be removed from my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 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 2019-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received money from FEMA in 2013 that was given to Capital One, my mortgage holder. They held it until such time as I paid off my mortgage. They released the funds to me in the form of a check. However, they included my wife 's name in the check. This made the check impossible to deposit at another bank. I sent them the death certificate and information regarding my position as executor of her estate. They never reissued the check and I never received the money. They continued to redirect me to my local branch and I pestered them for it, until they closed. Now they no longer deal in mortgages and I have no idea where the {$30000.00} is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please remove these accounts, I have sent a copy of my report from XXXX that shows 2 accounts with XXXX XXXX were deleted because the bureau was not able to verify, also shows 2 accounts under XXXX XXXX also have been remove, all since XXXX ... ... 3 letters later and yet TRANSUNION or XXXX have done nothing, XXXX has failed to provide me for a release form where I signed to release my XXXX ( which is in hippa violation ).

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 2019-06-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
on XX/XX/XXXX i went to purchase a vehicle and came to aware during the financing process that a delinquent account from SYNCB/BELK is in my credit report for the amount of {$4100.00} which is not opened by me or no knowledge about this account. i contacted the bank fraud department and made a complain about this unknown account and the address used to open the account. The account was opened on XX/XX/XXXX using the address XXXX XXXX XXXX Ct, XXXX  XXXX which is not belong to me. Following that bank instructed it may take 30 days to resolve the issue.

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 2017-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Public record information inaccurate

Complaint:
InXX/XX/XXXX the property was purchased for $ XXXX and in XX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.

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 2019-06-03
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received my statement in the mail for the previous statement period for my XXXX Visa credit card ( issued by Comenity Bank ) and noticed that an unusually large portion of my payments throughout the statement period were applied to my promotional balance transfer ( with a 0 % APR ), rather than my purchases. Upon calling the customer, I learned that they only apply purchases to purchases made in the previous statement period, even if you make purchases in the same period you make payments. Because of this, I made {$430.00} in payments to pay off the {$430.00} in purchases I made, not knowing they would not be applied to my purchases. Comenity was able to reallocate some of the money I paid back to my purchases from my balance transfer, but I feel that my payments should be applied to purchases which will accrue interest before my balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Convergent Resources, 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:
15 USC 1681 Section 602 States I the right privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under aopen-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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 reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for these accounts : XXXXXXXX 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 2019-06-03
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hello I had a citi bank Best Buy credit card back 2017. I had this card for 2 years and never missed a payment. I have received 3 credit increases, due to making payments on time. My last payment I had with credit card was this year. I was 1 week late to make a payment and was promoted by email. I have immediately paid after receiving that notification online. I have received confirmation, I have seen my money sat in my account for 2 weeks. I have called in and see if payment was made, I proceed to give them my confirm number for proof. Everything went threw. Then 3 weeks after I have received a notification that payment bounced/ reversed. As soon I was notified I try to pay it back and try to call in to do a payment. By that time the credit card already closed my account. I have not receive any closer statement or prior notice to this. I have reviewed the disclosure documents and no one does it say that if payment not made we can close your account with 1 month if non payment. Made every payment on time and havent done anything I broke their policy. Looking to have my account just reinstated to use.

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 2019-09-09
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive disputed this debt so many times until I dont know what else I need to do. Im not paying are settling the debt because I didnt create this debt. It very mind blown that people like me try to do the right thing and still be victims to violation like this. Ive asked this company for prof that this is my debt They so not respond back. So I really do hope that my voice and credit report is heard today. For the 100th times THIS IS NOT MY ACCOUNT. I DO NOT OWE XXXX  no money.

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