BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Synchrony bank switched programs with their XXXX XXXX cards. My automatic payments were stopped without any notice and I sustained a missed payment and was charged a finance charge which will appear on my credit report. 

Synchony declined to send me a letter apologizing for the mistake. 

My credit score may suffer for their error and this will impact my ability to get a low monthly payment for loans in the future.

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 2021-02-02
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
My mortgage, car loan, and credit cards do not show on Experian. They are all open accounts and show on XXXX and XXXX but not on Experian. Please update my credit profile to show my open credit accounts.

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 2020-08-01
Company: EQUIFAX, INC.
State: NC
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:
A fraudulent charge on my husband 's credit card was written off by XXXX XXXX XXXX ( the bank flagged it as fraud ) but they trashed his credit for this fraudulent charge. We have tried every avenue possible to get this taken off his credit report for Equifax and XXXX XXXX but the credit bureaus point to XXXX XXXX, XXXX XXXX  points to the two credit agencies. It would take a single person 1 hour to remedy this situation but we opened a case with XXXX XXXX on XX/XX/2020 and a month later nothing is resolved. We are in the process of closing on a property where the lender will charge us additional fees of $ XXXX because of his credit score that has been trashed by this write-off. His credit is impeccable outside of this write-off as is mine. I have spent almost 20 hours working every possible avenue to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions 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:
Experian is continuing to report negative information that is not mine on my report that have already been removed. For example they have removed the inquiries for XXXX XXXX XXXX but refuse to remove the actual account as it is fraudulent. The negative accounts that are fraudulent need to be removed : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX # XXXX -- -Not my account.

2. XXXX XXXX XXXX/XXXX XXXX # XXXX -- -Not my account.

3. XXXX XXXX XXXX # XXXX  -- Not my account.

4. XXXX XXXX XXXX   # XXXX -- -- This account has never been paid late.

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 2018-06-12
Company: Experian Information Solutions Inc.
State: MI
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 disputed an inaccurate account with XXXX, Experian and XXXX on Two ( 2 ) different occasions for a XXXX account being collected by XXXX XXXX ( XXXX and XXXX ) and XXXX XXXX ( Experian ) for {$1100.00}. I do not owe any money to these collection agencies or to XXXX. This is inaccurate information and each bureau fails to properly investigate the inaccuarate reporting of this information. My disputes were XXXX and XXXX. I am entitled to a fair and accurate 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
Consumer complaint received 2019-10-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My account shows that I have an account with late payments. I do not believe this is accurate, because my own accounting with auto pay shows I was not 30 days late. Under the Fair Debt Collection Protection Act, I have the right to request incorrect and unverified information be removed from my credit file. 

Accordingly, please remove the " late payment '' immediately, because my credit is important to me and this is unfairly penalizing my credit score. I would like to maintain a good relationship with Toyota Motors Credit. So I will appreciate your cooperation in getting this fixed in a timely manner. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX A 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 2020-08-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX  account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The bureaus reporting inaccurate information with serious violations of Federal Truth in lending Act and FTC law. 

Causing financial injury and economic hardship. 

Explainable attachment included.

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 2018-02-22
Company: Freedom Mortgage Company
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My Mortgage was sold. I have little personal credit outstanding. The new mortgage company, Freedom Mortgage is not reporting they have my Mortgage. It still reports as XXXX XXXX XXXX XXXX and Paid. 

My Credit score has dropped 100 points ( No outstanding Credit. ) I even have a letter from Freedom Mortgage stating they have corrected this XX/XX/XXXX. They purchased it XX/XX/XXXX. According to All the Credit Bureaus it has not happened. They are still reporting my Mortgage paid off and with XXXX XXXX XXXX. 

I have contacted Freedom Mortgage over 11 times  since XX/XX/XXXX. I even have a direct line to Customer Service Escalations and he is no longer answering. I have contacted the VP of customer Service - NO RESPONSE XXXX  even had my residence as one I had not lived at for 4 years.

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 2018-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was not in the market for a Credit Card. However, I was seduced by a Capital One Business advertisement online offering XXXX XXXX  financing for 12 months *IF APPROVED. Given that I was about to make a significant Business purchase, and my Credit Score was XXXX, I knew I would qualify and proceeded to initiate the application. 

During the following application process, cards with slightly differing added benefits were offered, including one offering XXXX free miles if {$4500.00} was spent on the card within the first four months. Given that my purchase was to be over this amount, and likely to take place within a month, this card was selected. This appeared to be pitched as an added incentive. 

However, it now appears that this is a form of 'bait and switch '. The card I was approved for has a fixed XXXX XXXX interest rate. It is of no use to me. I did not want it. As I said, I was not shopping for a credit card in the first place. 

I contacted Capital One Customer Services after noticing this issue after having made an initial {$450.00} purchase. I was ultimately transferred to a woman in their 'De-escalation Department ' who admitted she was there to stop people in positions such as mine for getting their complaints from reaching higher tiers. 

After this phone call proved fruitless, I emailed my dissatisfaction to members of the board of Capital One. Within a few days I received a call from the 'Executive Team '  offering to work on a resolution for the situation. I believed in good faith that there was an attempt at last to rectify the situation. All I requested was that Capital One switch the account from the one I received to the one I had believed I had applied for. I was told looking into such a resolution would take several business days. I understood. 

Today, I was contacted again by the Executive Department, where their only resolution offered was to close the account. Not only did the application 'ding ' my credit score, but closing the account would damage it further. It has already dropped from XXXX to XXXX, and further impact could easily drop me from the 'Excellent ' range. 

Capital One 's Marketing Department is purposefully enticing applications for cards people don't want with misleading advertisements and following it with a purposefully confusing card selection process. They then obstruct attempts to complain. They then offer no practical attempt to rectify the situation without the consumer feeling the fill impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I ordered a emergency wire transfer this morning at XXXX XXXX  and it never went through. It is now XXXX. The customer service agent is not doing the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts should not be reporting on my credit file, at this point these accounts are fraudulent and therefore I'm demanding that they be removed. 

1. Acct XXXX XXXX {$110.00} 2. Acct XXXX XXXX {$70.00} 3. Credit Factor Account 4. Credit Factor 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 explanation
Consumer complaint received 2021-09-03
Company: EQUIFAX, INC.
State: TX
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:
Noticed unauthorized inquiries on my credit report. Been trying to get them removed.. Equifax says that they deleted them but they are still showing on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I made payments to and paid off a loan with XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX, XXXX XXXX XXXX - XX/XX/XXXX, {$16000.00} ). XXXX XXXX claimed they reported these payments and loan to Experian. XXXX XXXX also contacted Experian and claimed it is an error on Experian 's end. Experian is still not showing this loan on my credit report. I have contacted Experian several times ( chat, telephone, online complaint ) but loan is still not showing on my credit report. This loan greatly affects my credit report which is needed to apply for employment, apartments, loans, etc., and has caused severe and detrimental harm to 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 2018-09-17
Company: CITIBANK, N.A.
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: Information belongs to someone else

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your Citibank/CBNA of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to CBNA XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with Bank XXXX XXXX XXXX XXXX # XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, XXXX XXXX did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date XXXX XXXX has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.

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 2018-12-26
Company: EQUIFAX, INC.
State: TX
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:
There are a few inquiries on my report that I am disputing with the 3 national credit agencies. All three have stated I need to get in contact with the companies directly to request a dispute and get them to update to the credit bureaus to have item removed if inaccurate. 

Why do I need to have them update when the bureaus should do the investigating? 

Next, I have called the companies and have sent letter already attempting to verify the information. 

Please have the 3 credit agencies remove the following inquiries : XXXX XXXX inquired on XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I bank with SunTrust, while I am aware of excessive transfer fees from savings to checking the current situation in the economy sort of has things uncertain. Due to that I had to make several unplanned and ultimately unexpected withdrawals. It egregious for big banks to be taking up fees on consumers in the mixt of a global health concern with many states being in a state of emergency. I'm sure banks will receive kickbacks, funding and other breaks in the stimulus bill so for banks to continue to charge excessive fee withdrawals when the entire country is in a pandemic is bad 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 2022-01-07
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:
Good Morning I have been monitoring my credit recently and I have noticed two accounts reporting to all three of my credit bureaus information that is not mine. Please send this to the appropriate department and get them taken off please.

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 2021-05-08
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
For You and Equifax : I am the victim of a XXXX XXXX and XXXX am. I, also, am the victim of Other Criminals. And know what I have just said is of extremely, extremely GREAT importance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have been a long term customer with Bank of America. They feel they can disciminate against companies which manufacture guns and supplies in a completely legal environment to promote their one side social agenda, which is to kill the 2nd amendment. We the taxpayer and our Governent bailed out these institutions in a record high amount less than 9 years ago, averting financial disaster for our county. I am in the process of leaving BOA because I no longer feel safe banking with them, since I am a 2nd amendment supporter and actively follow it. I feel BOA will be out to hurt all conservatives and legal gun owners in general as a common business practice to funnel loans and financial incentives away from us. This should be illegal, I like the people who work at BOA, they are good people and have always helped me, I feel financially unsafe to continue to do business with them anymore. Its too bad that the socialist movement can find it way this easily into our core financial and banking systems in this day and age. I feel this should be strongly investigated and these banks should be penalized, bare minimum any federal banking should be relocated to banks that dont discriminate against the constitutional rights of citizens and companies who are making a living, law adiding and want to be able to defend themselves and our great nation.

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 2020-10-13
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Since XXXX of this year customer representatives from this company have continued to mishandle my account. I've been waiting for a transfer since XXXX of funds I have in my account. Customer representatives have blatantly disregarded my life in this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My Account was sold by XXXX XXXX  servicing to FREEDOM MORTGAGE at the end of XXXX. XXXX did their part, provided proper notification and closed the account out. It is XX/XX/XXXX and I have yet to hear from FREEDOM MORTGAGE. I called on XX/XX/XXXX and they told me they wont send a welcome letter prior to XXXX, so I waited. I called on XX/XX/XXXX and the representatives could not answer my question and admitted that she was searching an unsecure XXXX  spreadsheet for my information ( ssn, address, and phone number ) to see if they had the data ( it was unable to be located ). I couldn't even get an answer on where my welcome letter is. This company not only is unprofessional, but they also are not using safe and secure methods in order to secure my personal data.

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