BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-23
Company: SYNCHRONY FINANCIAL
State: NJ
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:
In XXXX of XXXX I paid off my balance for my new Banana Republic credit card. They did not inform me that there was as additional fee and left me with a negative balance after I specified to pay off my entire balance. A few months passed and I received a letter that I have been reported to the credit bureau for a negative balance on my account, I contacted Banana Republic and resolved the matter where they wound up apologizing, received a credit on my balance ( this was a first ), and then received check for the miscalculation of my balance. My credit score dropped in the meantime while they had to fix this error on their end, they also advised that they were not able to send a letter or do anything to remove the report to the credit bureau. Banana Republic also closed my credit card without notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have called numerous times ( sorry I dont have exact dates ) and have been hung up on many times when the collection agents didnt want to answer pertinent questions : like asking for the telephone number of the original creditor. Also I filed a dispute with the credit reporting agencies twice and got nowhere, even though its clearly obvious Im not the correct personI even explained to both the credit reporting agencies and the debt collector that there are three people in the United States with the exact same name as me, but we are all different ages and live in different parts of the country. I used to work in a debt recovery office and I know how many of these companies operate. So I am pretty certain that the collection agency sent letters to the credit reporting agencies accusing all three of us of the same debt to try and get lucky ' one of us was the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
My social security number was illegally stolen, used and traded by the following person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I filed a complaint with the FTC. My FTC Complaint # is XXXX. The following accounts need to be deleted from my credit profile immediately. 

2 accounts were fraudulently opened in my name.

1 ) XXXX XXXX XXXX - Limit {$700.00} Opened : XX/XX/XXXX 2 ) XXXX XXXX Limit  {$300.00} Opened : 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 explanation
Consumer complaint received 2019-11-12
Company: Fidelity National Information Services, Inc. (FNIS)
State: AR
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 XXXX XXXX Arkansas, XXXX Chex Systems, Inc ATTN : Consumer Relations XXXX XXXX XXXX, XXXX  XXXX XXXX, MN XXXX Www.chexsystems.com XXXX To Chexsystems   Dispute Department, I recently received my report and discovered that you are reporting " Unknown Accounts ''. 

As a result of my findings. 

Please Send Me In Full Arrangement ie : " The Agreement and/or Contract with my signature on it that says that this debt is mine or Delete It Immediately. For the following Accounts below : XXXX XXXX  XXXX/CHARGE OFF RTN/ACCT # XXXX XXXX XXXX  XXXX/CHARGE OFF RTN/ACCT # XXXX CASE LAW : Peterson Vs Experian. Richardson v. Equifax Information Services, LLC et al, Cushman Vs TransUnion. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that ChexSystems just can't use the E-Oscar System because its not considered reasonable. ChexSystems can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation.

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ).

And send me another credit report.

Thanks!

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 2019-04-17
Company: ProCollect, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX is alleging that I owe them {$690.00}. I did not breach my rental contract and do not understand the charges against me. I have attempted to resolve the matter but every time I try, the claim that I owe them additional monies. I believe that I am a victim of fraud and unfair business tactics. Management is run very poorly, and one person says one thing, another says another thing. I do have documentation to prove my innocence.

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 2019-03-14
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: Information belongs to someone else

Complaint:
I have been a victim of 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 non-monetary relief
Consumer complaint received 2017-06-19
Company: National Enterprise Systems, 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: Information belongs to someone else

Complaint:
I recently had an collection account added to my credit report and I do not have no knowledge of this collection account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CNG FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been receiving numerous calls from blcoked numbers leaving threatening harsh messages. I finally called the number left. Had to call back 6 times because they kept hanging up on me when I asked for information. They yelled and cussed at me. Refused to give me any information other than I supposedly owe a debt to Check-n-Go from XXXX, 8 years ago for a payday loan. I can PROVE I did not work in XXXX, I haven't worked since XXXX due to health reasons. I have no idea what they are talking about. All I can do is assume this a case of fraud or identity theft. 

I have called all these numbers trying to resolve this issue and was just given the run around. Nobody would even tell me how much this debt is, they just kept asking for my personal information they refused tell me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: CCS Financial Services, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We closed our XXXX cable account XXXX of XXXX and we were told a final bill amount to pay. We paid that bill however, XXXX never stopped billing even though the equipment was turned in. We were not aware of a bill until it was on my credit report. I called CCS ( Credit Collection Services ) and advised them that we didnt owe this bill and spoke to XXXX on XX/XX/XXXX. XXXX went in and identified the error and stated that the bill should not be {$430.00} but {$96.00}. I paid the balance in full of {$96.00} on XX/XX/XXXX. They advised that there was nothing else due and that they would reach out to CCS to let them know about the error. Unfortunately, we received a recent bill in the mail from CCS for {$70.00}. Representative XXXX XXXX with CCS stated that XXXX sent this bill over on XX/XX/XXXX. WE DO NOT OWE a balance and the account should have never been reported to collections nor placed on my credit report. I didnt get a bill from CCS until I called from the number that was on the credit report. Please communicate with XXXX and CCS so that this can get resolved expeditiously. At this point I have spent hours trying to get this resolved with no resolution. 

We spoke with XXXX, XXXX and XXXX in billing at XXXX. The ER ticket number from XXXX detailing this issue is XXXX. 

Thanks, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: EQUIFAX, INC.
State: TX
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:
I have been trying for two days ( XX/XX/XXXX & XXXX, 2020 ) online and on the phone tring to get my log in information so I can log in to our accounts check our report and then put a freeze on both of our accounts. When I get online it tells me my password is wrong so I change it. It lets me change it by sending a link to my email, but still won't let me in, tells me to call. When I call they ask me a bunch of questions which I answer all of them CORRECTLY. I am not stupid I know how much I owe and to whom, but I don't know if they have the correct information because they won't let me into my account to check it. I want to freeze both our accounts because of all the fraud and breeches going on. I can't even do that! Also why do every number I call for them sends me overseas to a person that I can not understand on the phone! No wonder there are such problems. Why are all the call centers for our credit not in the United States?! I want someone from Equifax in the United States to call me get me into my account so I can freeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from PACER stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As of XX/XX/2022 XXXX mailed a letter asking Bankruptcy to be removed so how is accurate. As well as XXXX has removed from my record.

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 2017-06-19
Company: Regional Management Corporation
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 have some hard inquiries on my   XXXX   and   XXXX   reports that should not be there. I am in the process of purchasing a home and these should be removed. I placed a fraud alert on my credit file that indicates if anyone who runs my credit should call me and that was not done and this violates my right as a consumer. The following hard inquiries are showing on my   XXXX   report! Regional management  XXXX  and  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX    XXXX ,   XXXX    XXXX   XXXX ,   XXXX     XXXX   XXXX . The following hard inquiries are showing on my  XXXX  report and show be removed.  XXXX   XXXX   XXXX ,   XXXX   XXXX    XXXX . I have already contacted the credit bureaus twice and they were no he lp. Pleae help me get these  removed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: ALLY FINANCIAL INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank seems to have halted the ability to receive instant transfers. a wealth of apps use these transfers, like XXXX, XXXX, XXXX XXXX, and many more. instant transfers are generally performed at a premium, with a 1 to 3 % charge for making the transfer. 

I have talked about this with Ally Bank already. they made a change to their debit card control system that has caused a delay in instant transfers. This happened in XXXX. I received an email from Ally Bank about the issue on XX/XX/XXXX XXXX however, Ally Bank updated their deposit agreement after that and we were not notified of this change. 

instant transfers are now no longer instant. they are processed in a batch at the end of the day, meaning people are paying a premium for instant transfers that does not happen. that Ally Bank updated their deposit agreement to reflect this, without notifying customers, is very problematic and I believe also illegal. well I understand that whatever issue they're having with their systems is responsible for this, I am receiving mixed messages as to whether this is a permanent change or something they are attempting to correct. some agents have told me that they'd simply no longer do these transfers. 

either way this is extremely disruptive and leading to me not being able to access my money or receive my deposits as expected. I am also XXXX. I do rely on instant transfers as I do some work as an independent contractor. I am low income and this is disruptive to my financial stability.

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 2018-08-07
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I applied for refinancing on my home. I turned in all required documentation. The bank said that everything looked good. There were some discrepancies. They were taken care of. Now is when it went sour. The man handling the loan when on vacation for two weeks, nobody handled it. when he came back I had to make numerous trips to bank to find out the status he says everything looks good. Then I find out that they took him off the loan and turned it over to a lady in XXXX, XXXX..From then on I had no personal contact with anyone. Through the following months, I had to talk to five different persons? Seems like ever time they sent it to the underwriters, the underwriters would sent it back to them for additional information. This went on up til XX/XX/2018, when I get a call that my loan had been denied. They said that a document would be coming explaining why! The bank sent a document, but I could not open it. The bank said that they would mail and e-mail me again. Finally I got the letter with postage dated XX/XX/2018? And was then able to open the e-mail!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: BB&T CORPORATION
State: AZ
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:
We are working to settle a gap claim with regional acceptance. It has been handled incorrectly on multiple issues. 
1 - payment was made in their website on XX/XX/XXXX, with a posting date on XX/XX/XXXX. The payment never correctly posted. Although my payment register does show a payment they could not explain to me. They refuse to remove a 30 day late that is not accurate due to their technical issues when site clearly showed a payment. 
2 - regional acceptance has failed to post a check in excess of XXXX that gap sent them on XX/XX/27 therefore I have to continue paying interest on a larger amount than truly owed.

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 2021-01-07
Company: DISCOVER BANK
State: FL
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:
On XX/XX/2020 and XXXX 2020 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: LDF Holdings, LLC
State: IA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I have been working with the company XXXX XXXX XXXX since XX/XX/XXXX and have been making payments to them for help in repaying XXXX XXXX XXXX at a lower cost. 

On XX/XX/XXXX, a Cease and Desist letter was sent to XXXX XXXX on my behalf. I have attached the communication. 

After the letter was sent, I would receive emails from XXXX XXXX but no other communication. 

Around XXXX of XXXX, I started getting nonstop calls from XXXX XXXX requiring I contact them. They have also contacted my workplace, along with friends and family, repeatedly. 

On Monday, XXXX XXXX XXXX XXXX XXXX  sent a Notice of Legal Recourse to XXXX XXXX. 

As of today, XX/XX/XXXX, I am still receiving multiple phone calls. 

I am working with XXXX XXXX XXXX  to reduce the debt I owe and make sure that I am repaying what is owed. Harassing phone calls will not make me get money any faster it may cause me to lose my job and wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Dear Credit Reporting Agency ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
Inquiry details XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank Reported balance XXXX - RETAILClosed XXXX XXXX XXXXClosed Closed on XX/XX/XXXX As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, drivers license, W-2, rental agreement, and a cellphone bill. I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: GOLDMAN SACHS BANK USA
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Apple CC stated you could open a CC and they would not pull a hard Credit report. That was completely false. Although I did receive an approval, there was a hard inquiry which appeared on my Credit by Goldman Sacks. Which affected my Credit Score.

Company response to consumer: Closed with explanation