BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX This auto company needs to update my credit reports as of now not late and have a balance for XX/XX/XXXX of XXXX. it is showing on my report that I am still owing {$1100.00} while I have no past due as of today XX/XX/XXXX. 

They have customer service foreigners that did not always understand me whenever I talked to 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 2023-04-17
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My recently opened TD bank checking accounts were shortly after closed and I was told at the branch that they do not have explanations why I can not continue relationship with the bank and ever open another account in future again. I also called the fraud prevention center because I was advised by the manager of the branch location near me to call and verify my identity, which I did and I was cleared and the account was reopened for two days, and than I was locked out again. I called the number of the bank to find out whats the problem, and I was told that I need to go to the branch. I was told at the branch that the TD bank has ended relationship with me and no further information was available, no explanation. The account was closed on XX/XX/2023 with balance of XXXX cents. I dont understand what is the reason for this type of mistreatment, they gave me no valid reason. This has been happening to me with several different other banks prior to this one like XXXX  XXXX closed me with no explanation, than XXXX, XXXX XXXX, XXXX XXXX, XXXX and I applied for XXXX was denied, applied for checking account at XXXX XXXX  was denied, XXXX XXXX  was denied a checking account. I was not told a reason why! I called and went to the branches and followed their instructions of verifications, and no result.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Collection Professionals, Inc.
State: SC
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 tried to contact them and they didnt respond. I dont know whos address it is they was sending the personal mail to and have listed on file. Its impacting my credit report and stopping me from applying for a house. Ive called the company and they didnt resolve or give me a reason for anything. Account balance {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: Nelnet, Inc.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
So back in 2018 I have a missed payment in XXXX that I was NOT able to pay due to being in XXXX XXXX in the emergency room. Since then I have made all payments on time and have not MISSED one payment since then which 23 months of consistent online payments on time. 

With covid going on credit is incredibly important and I would like this late payment removed. It is affecting my credit which could get me lower car payments and much more. 

Money is hard to come by during this horrible time in America and I feel like it would only be right to get this completely removed from my credit. Just the late payment that was made back in 2018 in XXXX. So I can get the best loans possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX/XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX/XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-11-28
Company: EQUIFAX, INC.
State: NJ
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 filed a dispute in regards to incorrect items on my credit report. It this has been well over 30 days and I have not received and investigative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-31
Company: TRUIST FINANCIAL CORPORATION
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:
I have no knowledge of this company. They are showing up on my credit report as a hard inquiry. The date of the inquiry is XX/XX/2019.

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 2017-12-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company had not provided their right to lawfully collect in the state of Texas. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. 

Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of Virginia. I am a Texas resident. This company is fraudulent and illegally collecting in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: AMERICAN EXPRESS COMPANY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed incorrect payment information multiple times with the credit bureaus concerning my XXXX accounts. These show multiple late payments despite their agreement to remove late payments and stating that they have reported no late payments to the credit bureaus. Despite submitting disputes and proof from XXXX, the credit bureaus will not remove late payments from these accounts, or have stopped reporting them at all. I would like XXXX accounts to show on my credit reports with no late payments, as agreed upon by 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 2020-05-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Apparently, your customers are not " amazing '' as you claim. I have been a cardholder with you for almost 1 year and you abruptly shut out my Old Navy account because 2 payment was returned. I guess you guys want to be cold and heartless during this COVID pandemic. I hold multiple synchrony accounts and to be tossed like trash is not cool. I am on the phone right now with a representative and they even said I had a good payment history and don't understand. They charge late fees and that isn't sufficient enough. They punish the customer and shut the account out completely. They said they could not reopen the account. I would need to reapply. I told them I would never reconsider reapplying with them. I may go ahead a shut out my other accounts with them. I despise Synchrony Bank and do not trust them to meet my financial needs. The representative likes to talk over you. I wouldn't let her. You close the account out so you should listen to what I have to say. I see the reviews online and they did a lot of people like this. I just want this noted with CFPB so others will see they are not the only ones who they treat bad like this.

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 2021-01-25
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Global Radius Solutions is continuing to try to collect on a debt that was never connected to my wife or me. This claim, I believe was dealt with years ago when we provided evidence that my wife was not living in the US when the loan was made or the first few payments were made. Apparently, there were a few payments made from a bank in a state neither of us ever lived in. We chalked the error up to a common name and thought that was the end of it. Now the harassment has started again. I don't think I have received a written letter from Global Radius Solutions.

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 2020-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial response was sent on XX/XX/2020 and my 30 day to comply was sent on XX/XX/2020.

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 2023-04-03
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened my Savings account with Citibank. I was trying to view my account number in order to transfer some of the money from my savings account. When i logged in citibank online on XXXX XXXX, XXXX  to view the account number it asked me to call the helpline number for a verification code. I called the helpline number but the agent denied to send a verification code on my mobile because i switched from XXXX XXXX XXXX to XXXX few days back even though my mobile number is same. I even talked to the supervisor and asked them to use my email address or any other authentication they need to verify. But they were just not ready to help. Citibank never provided my account number or any other document via mail before so now i am stuck with my money in the account and not able to transfer the money where i need. I have relationship with XXXX XXXX and XXXX but I have never seen them hiding the account details on the online account. Please help.

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 2021-06-22
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
SOUTHWEST RECOVERY SERVICES reported on XX/XX/2021 that I had unpaid balance to XXXX XXXX XXXX. This information is not true that account was paid in full on XX/XX/XXXX, 2021. XXXX XXXX XXXX agrees the account is paid in full. Now the collection agency SOUTHWEST RECOVERY SERVICES is not willing to fix this false reporting about my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX is reporting a debt to my credit report that has nothing to do with me. I have never visited a XXXX in XXXX Florida so there for this debt is not mine. The debt is for XXXX dollars. this debt has drastically lowered my credit score and it is causing me to not get a job or a house during these hard economic times. I have contacted XXXX XXXX XXXX  on numerous occasions to have this debt collection moved to no avail. Please remove this from my credit report. The date of birth on file connected to this debt is XX/XX/XXXX. This is not my date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions Inc.
State: VA
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 2019-05-31
Company: U.S. BANCORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
I have tried to call XXXX XXXX US bank. Which.at first the loan was at XXXX XXXX bank. Now I have proof of fraud. Between us bank and XXXX XXXX and the dealer. XXXX XXXX sent a long letter. .I went to XXXX XXXX Friday XXXX..signed.a loan while the car was still in lease. XXXX.went back the next day. XXXX..to say I can't afford the loan right now I'm going to lease the car for 6 months but I want the car. .he said no so I was wondering why as I looked through the loan paperwork I realized he sold me the car at the price it originally was. XXXX. .and intrest.from us bank XXXX..at a  XXXX. that's.because he was frauding.me. .because XXXX  XXXX who originally.had the loan who I spoke too told me if you can't afford the loan we will not give the loan. ..so I called the dealer to explain again that XXXX XXXX will not except loan. And that I wextended the lease and signed the extension lease and payed. AND XXXX XXXX told me they won't except the loan. .they cashed my check and the loan. .I have apaperwork from XXXX XXXX. .very devastating for us bank and XXXX  XXXX and the dealership. .I WILL BE WRITING THE ATTORNEY GENERAL. XXXX..XXXX. ..THESE.COMPANIES MUST HAVE ACCOUNTIABILITIES.FOR THERE ACTIONS. THEY MUST BE INVESTIGATED TO THE FULLEST EXTENT OF THE LAW. .THIS IS A PRACTICE THEY HAVE BEEN WORKING TOGETHER FOR A LONG TIME. ALL THERE RECORDS MUST BE PULLED

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 2017-08-07
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
i have had a student loan for years. I was kicked out of the school because they changed the program hours and I could n't do day hours. I have tried to get the money back but have not been successful. Now the school is closed and I am at a loss. My husband is in the military and Im trying to claim SCRA. Im so tired of this loan. Please help me!!!!
The loan was original amount was XXXX. I now owe XXXX due to late fees and what not.
My loan was through XXXX XXXX Now its with navient. My account number is XXXX. Any help with this would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
Company: EQUIFAX, 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:
I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained. 

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XX/XX/XXXX was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XXXX 2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XX/XX/2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction

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 2020-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 fraudulent inquiries on my credit report. These inquiries have hurt my credit trmemdously, also causinf me a lot of emotional XXXX. Please investigate why these fraudulent accounts are popping on my credit profile. There's one from XXXX XXXX that dropped my score a lot. This is not fair.

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 2017-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained.

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc 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 explanation