BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: WI
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. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. ) XXXX XXXX XXXX I # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. ) XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX have ALL 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

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 2020-12-08
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-08-14
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:
Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.

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 2017-12-22
Company: Colony Brands, Inc.
State: NV
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:
I received a bill by email from for an item I NEVER received, it had my name, address and city was wrong.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-14
Company: EQUIFAX, INC.
State: TN
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'm in the market for a new car and I was told to check my credit report before I went to the dealership. I checked my credit report and I noticed a few items that I didn't authorize. These items are not mine and I need these items deleted from my credit report. I'm working on this process on my own behalf. I have reached out to the FTC and to my local police department. XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a Chrysler Capital loan. I recently had gone through some hardships were during a 4 month period From XX/XX/2019 to XX/XX/2019 was late twice. Unfortunately its making a big impact on my credit, my on time payment history is 98 %.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion refused to remove the fraudulent accounts off my report violating the FCRA. I sent multiple times my police report along with my FTC affadavitt to no avail. Immediate rectification should be exercised to the problem at hand.

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 2018-09-24
Company: CITIBANK, N.A.
State: TN
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:
I bought a pair of earrings which were never delivered, I called and filed a dispute, they said it would be resolved, never resolved, they billed me for it and charged my bank account for it, still 2 months later no resolution and no response.

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 2019-08-14
Company: Credit Bureau Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
As of XX/XX/2019, I checked my credit profile and noticed an account in collection from CBCS for XXXX XXXX XXXX. I immediately contacted XXXX and the collection agency CBCS to notify them that this account was a fraudulent account that did not belong to me because I have never been to that hospital before. On XX/XX/2019 CBCS responded to my dispute and sent me a letter stating that after investigating my dispute they have stopped all collections activity on this account and requested that the credit bureau remove the collection account from my credit report. What occurred after this letter was sent to me has left me confused because according to the credit bureau, CBCS removed the account from collections for a few day then reopened the collections account. On XX/XX/2019, I called XXXX to check the status of the collections removal and the representative stated that they determined the account belong to me. At this time the collection agency and XXXX  are refusing to remove this fraudulent account from my credit file. They have also refused to provide me with any type of documentation proving that this account belongs to me. This situation has caused me a lot of stress because I should not be penalized or punished due to the fact that I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Recently obtained copies of my credit report and noticed unauthorized items being reported on 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
Consumer complaint received 2019-08-14
Company: Sequium Asset Solutions, LLC
State: OH
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:
Sequim credit collection still on my report yet is showing a balance. I attached the paid in full statement from my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: SYNCHRONY FINANCIAL
State: NC
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:
This complaint is in regards to my experience trying to pay a specific amount of money towards one of my carecredit promotional transactions. I have three promotional transactions on my care credit card at this time. Two of the transactions are fixed payments and one transaction is a deferred/no interest if paid off within 6months. I made my baseline payment of {$230.00} on XX/XX/XXXX. That payment amount is the minimum for all three accounts due monthly. I then called into carecredit and made an additional payment of {$190.00} via telephone with a customer service representative and asked specifically for the {$190.00} to be applied to the specific promotional transaction that is expiring on XXXX XXXX. The initial charge of that 6-months interest free transaction was {$470.00} and it was charged on XX/XX/2020. As of XX/XX/2020 the remaining balance of that transaction was {$380.00}. With the {$190.00} payment I made on the telephone on XX/XX/XXXX, I should have a remaining balance of {$180.00}. As of right now ( XX/XX/2020 ) my balance is showing that I owe {$350.00} with the promotional period expiring on XX/XX/2020. This is a blatant attempt by carecredit ( synchrony Bank ) to NOT apply my specific payments to this account in order to charge me the 26.99 % interest if not paid off in XXXX. At this point I dont know what to do. I followed their instructions and called in to specify payment allocation and they are still not allocating the payments as Im asking. I need your help as soon as possible as this is not being addressed even after multiple calls into carecredit customer service to resolve this 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 2021-04-26
Company: ORG GC GP Buyer, LLC
State: PA
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:
Someone was suppose to handle it. but the problem was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: VANDERBILT MORTGAGE & FINANCE, INC
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 information incorrect

Complaint:
As of XX/XX/2019 in response to a complaint filed with CFPB. Vanderbilt Mortgage. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so XXXX and XXXX have both reported information verified from Vanderbilt again that is not accurate nor matches the information provided in the response to the previous complaint to Vanderbilt.

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 2020-11-23
Company: Experian Information Solutions Inc.
State: IA
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:
on XXXX and on XXXX I submitted a dispute on this bankruptcy that is on my credit report with the proper documentation. Both times it was sent back as accurate. it is not accurate at all. I have the docket to prove it isn't me and it still remains on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14
Company: M&T BANK CORPORATION
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account.

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 2021-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 initially contacted XXXX regarding the payment information reporting on my credit file and they said it was out of their hands. They stated it wasn't anything they could do. 
On XX/XX/2020 I sent a letter directly to the credit bureaus to validate that the information reporting via XXXX XXXX was correct. I can clearly see that payment information is reporting inaccurately across all 3 bureaus. 
On XX/XX/2020 I sent them a letter asking them to verify how they verify/validate the account. 
On XX/XX/2020 I sent another letter since I had not received a response from all 3 bureaus. 
On XX/XX/2020 I then sent another letter asking them to please delete the late payments from my report since they are reporting inaccurately and they refused to properly verify it with me. 
On XX/XX/2020 I sent in another letter stating I planned to file with cfpb and my attorney general since they are refusing to proceed with a thorough investigation. 
On XX/XX/2020 I sent another letter stating I was going to explore my legal options since I was being ignored. 
On XX/XX/2020 I had send in another letter, and haven't heard anything.

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 2021-02-25
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Paid off my car a XXXX XXXX  XXXX cant seem to get my title from a body need help bought car at XXXXXXXX XXXX XXXX financed my car at fifth third bank if you could get back to me ASAP that would be great. Thank you very much XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Wrong Bank information about credit usage and balance owed passed onto the Credit Bureau resulting in my credit score dropping, also by having two late payments on two credit cards accounts my score dropped over XXXX points. XXXX XXXX, XXXX XXXX XXXX Bank reported 115 % credit limit in the amount of {$450.00} my limit is only {$400.00}, this showed up on my credit report in XXXX. XXXX. XXXX Bank reported incorrect balance owed, in XX/XX/XXXX. I have an account with XXXX XXXX and disputed this matter and it was submitted on XX/XX/XXXX as of today XX/XX/XXXX it's not completed I called XXXX it was told too me an investigation was done and a report was submitted. I notice on my credit report in XX/XX/XXXX on both accounts it showed the correct amount owed but my credit score never changed, my accounts shows Good standing but my credit score continue to drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: NAVY FEDERAL CREDIT UNION
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: Old information reappears or never goes away

Complaint:
I came upon certain negative remarks on my credit report. I have asked the companies to remove the items and they have not. I have no recollection of the items and sincerely ask for them to be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: SYNCHRONY FINANCIAL
State: AZ
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:
Parties : A. Synchrony Bank B. Pay Pal Credit and my Banker : XXXX XXXX XXXX XXXX XXXX I have a Pay Pal Credit account ending with XXXXgoverned by Synchrony Bank . 
Pay Pals  Rules for their Credit Customers ( approved by their Banker ) that We have to registered our paying Banker initially and We can only pay through those Registered Bankers. When initially Registering the Banker, Pay Pal will send OTP and We have to revert back with the transaction details of small amounts say less than one Dollar both the Debit and Credit transactions, checking the authenticity of the Customers. 
In my Case I have put approval of three Bankers eg XXXX XXXX  and two accounts from my XXXX   XXXX  XXXX XXXX accounts. 
Whenever I pay some instalments, initially they ( Pay Pal ) gives Credits and sends confirmatory emails and after four to six days they reverse the entry and says that my Bankers have refused to pay /the accounts of your Bank is not Registered with us or I have insufficient funds and when the cut off dates are over informs me about return of payments and adds PENALTY for Return/Non payment during the stipulated time period and for the next months dues they add up the Return Fee 's etc. 
This is how the Pay Pal earns extra money which are some sorts of fraudulent way to run a business.

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 2017-12-23
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter from the company Virtuoso back on XXXX XXXX XXXX regarding a charge from XXXX. I sent a certified letter on XXXX XXXX XXXX XXXX and also the collection agency. As of today I have never heard from XXXX or the collection agency regarding my dispute letter. Today XXXX XXXX I receive a new collection letter from the company XXXX telling me that XXXX has now turn my account over to them. I contacted XXXX today regarding this letter and they told me they never received my dispute nor anything from the collection agency saying I was disputing it. I have the signed certified receipts showing that both companies receive them. Is n't it a law that the company and the collection agency have to reply to a dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: STATE FARM BANK, FSB
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a new complaint that was not resolved or addressed on XXXX On XX/XX/XXXX, StateFarm bank withdrew my mortgage payment in the amount of {$1200.00} and on XX/XX/XXXX StateFarm says it gave me back the money back due to insufficient funds. If there was insufficient funds, the payment wouldn't have taken 30 days to fail. You can see by the bank statements that I am providing that the XXXX payment came out, but was never given back. I informed StateFarm of the error and opened a case. I even provided them with all documentation requested including a track and trace from my bank. I did make a payment on XX/XX/2021 ( to cover XXXX ) and another one on XX/XX/2021 ( for XXXX ) just to make sure I didn't get negatively impacted during my open case. The XX/XX/2021 payment was not accepted b/c of the mortgage servicing transfer to XXXX. I was not notified about the payment not being accepted ( I did receive a confirmation from StateFarm for this payment ) until the transfer. 


Also, I have been impacted on my credit report for a 30 day late XXXX Mortgage payment. This is not true b/c I made 2 payments in XXXX in order to not become delinquent during the claim I had in process with StateFarm bank. I would like to have this removed from my credit report.

Company response to consumer: Closed with explanation