BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: CITIBANK, N.A.
State: AZ
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:
A company continuously charged my account without my consent. I filed a complaint with cc company and they reversed the charge for it do be back reversed. I paid for services i never received. I was supposed to get one hour of XXXX  every week. Four of the weeks I was there at XXXX XXXX XXXX i recurved no therapy. I was to be issued a refund but they never gave it to me. I paid deposits that were also never refunded. I was discharged against my will from their program. I had paid for four weeks of treatment i never received. Citi put the burden on me to prove they didnt provide me with the service they clearly did not provide. I did not willingly leave their program. They ended the contract on their terms meaning I should be refunded 100 % of all payments made. They charged my CC 3 times without my authorization. They scammed me.

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 2021-03-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I underwent a botched dental procedure through a representative employed by XXXX XXXX XXXX in XXXX, Ohio. After examination by an Independent Dentist recommended by my Insurance company at this time, XXXX XXXX, and Deltas investigation of the procedure and the bad faith practice of having me sign financial documents while I was in a traumatic state ; XXXX XXXX ordered XXXX XXXX to reimburse XXXX for the funds paid to them since, the procedure had to be completed again. 

The overage of the cost was financed through Synchrony Bank. These documents were presented to me for signature at the end of my eight hour, routine crown restoration. It was unknown to me what I was signing and in the end, all funds had to be reimbursed. 

On XX/XX/XXXX ; I was served with a Subpoena. Synchrony Bank was suing me for the funds in which the financial documents were signed without my knowledge. 

On XX/XX/XXXX, I filed an Answer to the Complaint, representing myself in the matter of : XXXX XXXX. XXXX ; Synchrony Bank vs. XXXX XXXX XXXX. In the XXXX XXXX XXXX. XXXX, Ohio. 

I filed a Statement of Issues with the Court on XX/XX/XXXX. A Pretrial Hearing was scheduled for XX/XX/XXXX. 

On XX/XX/XXXX ; evidence was reviewed and the case was dismissed. 

Synchrony Bank then sold this debt, which was dismissed by the Court by Magistrates signature entered on XX/XX/XXXX ( attached ) ; to what appears to be several debt collecting companies. Yet, XXXX XXXX XXXX name is what keep appearing on my credit report. I receive mailings from them. I used to get hard-collection calls from them. I have filed several disputes with all credit reporting agencies only to have my disputes declined because XXXX is showing proof that the debt is owed. Im sure these Agencies are not aware that this case was dismissed in XX/XX/XXXX. 

XXXX has fraudulently made claims on this debt. They continue to ruin my credit and have been since the fraudulent purchase thereof. My husband and I had to refinance our mortgage because I have not worked in two years. Due to this and XXXX, I could not have my name on our new Mortgage thus, I am now vulnerable. 

XXXX XXXX has and continue to hurt my credit. They are giving misleading statement and untruths because, this matter was Dismissed therefore, the Debt is not Owed. 

Im attaching the Court records and, Synchrony Banks Exhibit which is a statement that shows two Adjustments which, was the credits back to XXXX XXXX. On my current credit report XXXX us showing them as payments made. 

Thank 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 2017-12-08
Company: Experian Information Solutions Inc.
State: NC
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:
To Whom it may concern. 

I requested proper verification for a debt being reported by XXXX XXXX XXXX on all 3 of  my credit reports from all 3 credit reporting agencies. I sent my first submission XXXX XXXX, XXXX to Experian National Consumer Assistance via certified mail ( tracking number XXXX, delivered XXXX/XXXX/XXXX ) requesting the proper documents they have on file to verify that this debt was mine, they in turn sent a response only stating they contacted the debt collection agency and its verified. No supporting documents, not even an updated credit report, just a response that did not meet the requirements by law giving them the right to report a debt on my credit file, illegally damaging my credit file. I also sent the same letter to XXXX on XXXX/XXXX/XXXX via certified mail ( tracking number XXXX delivered XXXX/XXXX/XXXX ) & XXXX on XXXX/XXXX/XXXX ( tracking number XXXX ). They also responded saying they contacted the debt collection agency and verified the account was mine but provided no proof of any documents they have on file as they are required by law as a credit reporting agency to have all documents that correspond to any debts being reported on an individuals credit report. So I sent another round of letters to all 3 credit reporting agencies again on XXXX XXXX ( XXXX  tracking : XXXX, Experian tracking : XXXX, XXXX, all received XXXX & XXXX ). They again responded this time with updated credit reports but still none of the documents required for proper verification which they are required by law to have on file for each adverse account on an individuals credit report. I have asked and they have with responded without proper verification. I now ask for assistance in getting these credit reporting agencies to delete the adverse account ( XXXX XXXX XXXX for the amount of {$1800.00} ) off my credit reports because clearly they do not been have the proper verification requested since none has been provided to me on XXXX XXXX. Additionally in doing further research the company XXXX XXXX XXXX which is reporting a negative item on my credit report, is not even licensed in the state of NC to collect debt. Further contributing to the reason this negative item which has not been verified as required by law should be deleted expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  and Transunion are showing on my credit report a negative impact a termination of a car lease agreement ( that ends XX/XX/2020 XXXX on my credit. According them the information that XXXX provided is the information that they have, that I am delayed 30 days. I contacted XXXX and they said that there is no balance and they have sent the correct information to the different credit offices. 
This is causing a big problem, since my car insurance took this in consideration for a policy on a new car that is starting in XXXX and the price is really high. A credit card ( Master Card ) sent me a letter that the account is closed because I am showing a delayed payment. 
I paid last month my credit cards and current my credit card usage is 7 % and I didn't receive positive points. 
They subtracted points from my credit score .because the XXXX payment XXXX XXXX XXXX is past due which is not true.

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 2018-03-14
Company: Experian Information Solutions Inc.
State: GA
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:
TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS XXXX IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion, XXXX, and XXXX have incorrect information on my credit reports. Old information problems with credit reporting credit score billing dispute. Accounts status when closed or delinquent or write off still on credit report.As of XX/XX/2018 my Credit Score is XXXX I have a balance {$8900.00} for what? Credit Accounts 20, Closed Account 18, Open Account 2 What 2 accounts have not any accounts open in years. No delinquent accounts. Derogatory 8. Inquires in 2 years 8. I need help getting this situation right.

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 2017-12-08
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
None of these charges are mine. The last legitimate charge was on XXXX/XXXX/XXXX. 

XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$810.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$190.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$110.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$120.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$54.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$29.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$32.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$12.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$14.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$19.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$16.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$23.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX {$8.00} XXXX/XXXX/XXXX Auth : XXXX XXXX XXXX {$7.00} XXXX/XXXX/XXXX Auth : Usps.com Postal Store {$730.00} XXXX/XXXX/XXXX Auth : XXXX {$59.00} XXXX/XXXX/XXXX Auth : XXXX {$1.00} XXXX/XXXX/XXXX Usps.com Postal Store XXXX Mo {$1400.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$99.00} XXXX/XXXX/XXXX XXXX XXXX Pmts XXXX Wa {$260.00}

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 2020-06-24
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts nor are the addresses on file listed are mine Please remove them.

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 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 have been dealing with this company that is in violation of Hippa laws, constitutional rights, and contract laws. I have asked them to remove old information, inaccurate and non-valid accounts from my report. The most recent letter i sent to them was on XX/XX/18. I asked them about hard inquiries from companies i never done business with. I have collections for companies i have never done business with. I have accounts that have been closed or consolidated that still show open or payment history. I have phone numbers and addresses that i have never been associated with.

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 2018-04-16
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had an account with Santander Consumer USA that was charged off in XX/XX/XXXX with a balance of {$2600.00}. There was no receipt or notification of deficiency, nor the right to cure or notice of sale. I requested account and balance verification in XX/XX/XXXXwith no response to either attempt. I then submitted a dispute XX/XX/XXXX again asking for account and balance validation, as well as XX/XX/XXXX. Again I received no response yet the balance on the account is updated to now reflect {$4600.00}. In XX/XX/XXXX the account now reflects a single payment in the amount of {$370.00} was made and the balance has decreased to reflect {$3400.00}. I did not make this payment and have not made a payment on this account since XX/XX/XXXX. The account updates again in XX/XX/XXXX showing a balance of {$4600.00} another update to the account was made today XX/XX/XXXX again with a new balance now of {$4800.00}. This company does not provide adequate customer service nor are they interested in providing any information in regards to my situation. Not only that they are updating a closed with false information. I have tried to rectify the matter with no help from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$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 2019-01-29
Company: LOBEL FINANCIAL CORPORATION
State: NV
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 wrote the company XX/XX/XXXX and it was received XX/XX/XXXX ( per company. ) The written notice to the company was an unauthorized credit inquiry which had my name and address along with my signature. I provided the information on my first original notice. However they responded back with request of the same information that was already stated in the first written notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a Dispute to Equifax. I received a bill for monies to an apartment that I lived in before I purchased my home last year. The apartment complex sold the bill to their collection agency, XXXX XXXX XXXX. I submitted proof that I paid the account in full prior to moving out of the unit, as well as proof that I was cleared to move out and did not owe any further monies to the apartment complex. This was signed by myself and the apartment management. When I received the bill, I emailed the new apartment manager and asked her to please take care of this. She said that she was no longer legally allowed to communicate with previous tenants once they move out, per corporate policy. I submitted my proof to the corporate office, who said that they were unable to speak to me since it had been sent to their collection agency. The collection agency denied my proof of payment. I sent my proof of payment in full and my documentation to show that when I moved out I did not owe a cent and I was on good terms with the apartment complex. Equifax said that their decision was that the debt was accurate and would remain on my credit file. What more do I need to send to show Equifax that I do not owe this debt? I thought that proof of payment and email correspondence between myself and the apartment complex was substantial. Can you please tell me what else I need to send to have them remove the account? I can't afford to sue them, but I don't know what else to send besides receipts from my bank account and correspondence from the apartment complex that shows I owed nothing on moving out and was in good standing. I also found that this apartment complex has many different complexes and is owned by a huge Corporate office and they have a history of sending bills for frivolous charges this to consumers after moving out and refusing to speak to them. Thank you very much for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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 status incorrect

Complaint:
Last year in XXXX I reviewed my credit report, & saw a charged-off account with XXXX XXXX. I do not particularly remember this account. I have tried on numerous occasion to verify & validate that the information reported is in fact mine. 1 year of constant letters to Transunion & XXXX XXXX with no response, resolution or a explanation. Transunion & XXXX XXXX never put my account as in a dispute status, which tells me they just threw my correspondence in the trash, didn't even care to answer my legal rights. This is the last place I am reaching out before I get a lawyer involved to help me. To this day the account is reporting as open since XXXX, I dont even know what it is for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A while back I lost my wallet with all my personal information inside. I didnt think much of it and went to get a new social security and DL. I continued with my everyday life an dnever had an issue. Just a couple of days ago I decided topul my credit because I continued to get suspicious letters in the mail. I looked at my report and Im shocked with the number of items that were opened on my name. these suspicious items are not mine. please remove them from my report. XXXX XXXX XXXX {$950.00} XXXX  XXXX {$420.00} XXXX  XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX  XXXX  XXXX {$3500.00} XXXX XXXX {$5500.00} XXXX  XXXX XXXX {$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 2020-05-08
Company: WELLS FARGO & COMPANY
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently complained that wells fargo did not comply wit the cares act to do a forbearance for my loan payments. Wells Fargo called me and XXXX said she would send me a letter stating the forbearance was thru XXXX and that I would not get foreclosed on for the missed payments of the cares act. Then, I never got a letter and wells fargo said they were investigating it. A XXXX XXXX  called me and said wells fargo must research this issue, but they want to research it past XXXX, which would be a payment I am supposed to receive a forbearance for. I made my XXXX payment, and XXXX payment, out of fear wells fargo would foreclose, and now I must make my XXXX payment because wells fargo is investigating whether or not I get the forbearance. XXXX XXXX refused to talk about the cares act, and lied by omission that I should receive a 6 month forbearance under the cares act if I attest that I am affected, of which I am. She refused to acknowledge the law, and was so unprofessional that it borders on negligence for failure to disclose the laws enacted by congress. She can not actively lie by omission.

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 2017-12-08
Company: PMAB,LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In 2017 a debt collection agency by the name of PMAB , LLC attempted to collect an unknown debt from me in the amount of XXXX.

Company response to consumer: Closed with explanation