BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I had applied for Lowes Credit card via online. I had infact used this card in the store also. Later due to some issues either I misplaced my card or just lost it. I asked Lowes to send me a replacement card - is it a big deal. Since then I am going thru all sort of troubles ... rather than sending me a replacement card ... they troubled me like anything. 
Finally i got this letter that they had closed my account - why???? I have no idea? 

Does n't this Lowes or XXXX XXXX are aware of the fact that obtaining a credit card incurr hard inquiry on someone 's credit history?? Is it a joke to close the account unless somebody ask or agree for that? And please do n't make excuses for some useless fine terms.

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 2019-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Problem getting your free annual credit report

Complaint:
Ive been requesting my free credit report from XXXX, XXXX, and TransUnion since last year i havent been able to receive them or 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 2019-07-09
Company: Experian Information Solutions Inc.
State: SC
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: Problem getting your free annual credit report

Complaint:
Ive been requesting my free credit report from Experian, XXXX, and XXXX since last year i havent been able to receive them or 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 2020-10-09
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Hello I purchased an {$830.00} XXXX XXXX  on XXXX  on XX/XX/2020. After several days of waiting ( about 10 days ) and lack of shipping info from the seller, I sensed I probably never going to receive the monitor and the seller might be a scammer, I decided to open a case on Paypal. Paypal is the method I used to purchase this monitor. However, it takes me 2 weeks to receive a refund from Paypal, I couldn't wait for that long due to the need for school work, and I found out it only takes three days for me to receive the refund from XXXX, so I canceled the case on Paypal without knowing I couldn't reopen the case once it's closed and I couldn't open another case on XXXX even tho the case on Paypal is closed. At this point, the only way for me to get a refund is from my bank -- -XXXX  XXXX XXXX XXXX I contacted my bank and opened a claim, however they rejected me without doing a further investigation, the response they gave me is I used PayPal for the transaction and it's authorized so they can't get my money back, they don't care about if I was scammed or if I received the item. All of those rejections lead me tp here, I want to get my money back and scammer should not receive the money and keep scamming people.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: AMERICAN EXPRESS COMPANY
State: TX
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 signed up for a XXXX XXXX branded American Express Platinum card in XX/XX/XXXX. As part of that sign up, I received XXXX Membership Reward points for spending {$5000.00} within 90 days of account opening. 

On XX/XX/XXXX my account was closed by American Express. The reason given was that " XXXX XXXX '' requested my account by closed. 

My account was in good standing at the time and I did not request that my account be closed. 

As part of the account closure, American Express " clawed back '' the XXXX points for the Welcome Bonus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Applied for free credit check. Entered discrepancies and never heard back from them. XXXX fixed it. But have heard nothing from other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reach out to transunion about the wrong lnformation and pay history being reported incorrectly by department of education XXXX XXXX have i dispute this information on XX/XX/XXXX XX/XX/XXXX, and recently XX/XX/XXXX, and nothing is being done by transunion of violation my right by the FCRA. they are reporting a payment status of 120 days late as well as XXXX late payments from XXXX till XX/XX/XXXX incorrectly therefore should be deleted as in compliance with FCRA filed a cfpb complaint as well and nothing is being done

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 2020-10-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2020 I submitted a complain ( XXXX CPFB ) becuase somebody try to use my identity to open credit cards or something else. This was not me because I always see my credit report. Comenity Bank was one of the banks that got one hard inquiry. They answered this complaint on XX/XX/2020. 

XXXX XXXX XXXX, XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Were responding to your correspondence about the XXXX XXXX XXXX XXXX XXXX Application XXXX. 
Dear XXXX XXXX XXXX, XXXX : Were Comenity Capital Bank and we handle everything related to the XXXX XXXX XXXX XXXX  XXXX credit card. 
We received the correspondence you sent to the Consumer Financial Protection Bureau ( Ref. No. XXXX ). Weve reviewed it, and heres what weve found. 
On XX/XX/2020, an application for a XXXX XXXX XXXX XXXX XXXX credit card was submitted using your personal information. 
No account was opened in your name. We requested the credit reporting agencies remove the inquiry from your credit report. It may take up to 45 days for the credit reporting agencies to update your credit report. 

I will adjust this card from Comenity bank. 

The problem is that after this complain they give a credit card to somebody else in my name is a Victoria 's Secret credit card. After that they have been calling me regarding this situation and they want me to pay for those expenses even when I have told them several times and this was not me. 

My credit score have being impacted because of this problem it when down from XXXX to XXXX because of this situation. 

After that problem that happened in XX/XX/2020 I had put an identity theft alert on my credit and freeze it to prevent it happen again for the next 7 years so nobody can use my credit without or do hard inquiries without calling me. 

Please I will appreciate your help with this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has 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

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 2017-12-06
Company: KEYCORP
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 information incorrect

Complaint:
I am just amazed at what Key Bank sent me dated XX/XX/XXXX. Key bank is claiming that I was sent letters on the following dates :XX/XX/XXXX XX/XX/XXXX 
I never received anything and the tracking number XXXX ( see attached ), per USPS, is invalid. Proven by the tracking number, I do not think that they mailed me anything, I never received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Starting XX/XX/2019 I attempted to get an FHA loan in order to purchase the house I currently rent. Initially I was informed of closing cost, liquid assets needed, and the basics of the fees and process. This process sounded very basic cut and dry and at first the people I dealt with through Quicken Loans office in Michigan were great to work with. But then this process continued to drag on for 5 weeks with everyday more money required. We even had set 4 closing dates and at the last minute I would be told that I had lost approval again and this amount of money would clear it up and get it on track. The final attempt was when I received a call stating the day before closing, that I had lost approval again and would need a minimum of {$1500.00} to get it back on track. I stated that I could not afford anymore. The gentleman then asked what I would get paid on my next paycheck. I told him {$1100.00}. He replied that would do. How has it needed a minimum of {$1500.00} but suddenly {$1100.00} would do. I replied that I still had bills to pay and had to live. He replied that I should hold off paying my bills and close on the house. No reputable lender would ever suggest not paying your bills. That is when I called it quits. I have since found many complaints regarding this specific office location. I called our local title company to see if they had had any issues with this process on their end. They had never received full disclosure of fees themselves and had even found that their compensation was set to pay to Quickens own title company rather than this office that was selected to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 and Transunion are reporting incorrectly that I am 30 days past due on the XXXX partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2020-10-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in XXXX days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.

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 2019-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Bank of America platinum credit card {$100.00} air fare is not Refund On XXXX / XXXX, I bought a seat fee for spirit Airlines XXXX Dollar and I have not Refund it until now When I applied for a credit card, the welfare plan specifically stated reimbursement of {$100.00}, seating fees Didn't tell me which airline wasn't 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 explanation
Consumer complaint received 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Please help, I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.

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 2020-10-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have the following new issues with Wells Fargo... 

1 ) Recently, WF put together a committee of senior executives that meet daily to address societal inequalities facing XXXX employees & customers ( I am one of these customers who have been lied to, treated like XXXX including Wells Fargo trying to force me out of business ) ... here is the article https : XXXX XXXX ) One of the main reasons it appears that Wells Fargo is trying to force me out of business is that they know I can not afford a lawyer. I have already called several law firms and all of them told me that the banks, like Wells Fargo, have hired most ( 90 % ) of the lawyers who practice " Lender Liability '' and the remaining 10 % are very busy suing banks like Wells Fargo and as a result, they will not represent anyone on contingency. One law firm said their minimum retainer is {$250000.00}. 

3 ) I also asked in an email to XXXX XXXX to forward the email containing the last certified letter to MR. XXXX XXXX and she totally ignored me including asking her to confirm that she received the email. 

4 ) I also set up 2 conference calls : one on Monday XX/XX/XXXX and the other on Thursday XXXX and NO ONE FROM WELLS FARGO accepted the invitation, declined the invitation or proposed a new time. Who is the customer here? Well this is consistent with how I have been treated by Wells Fargo... no response to emails, no reply to text messages, no return phone calls, no return receipts from certified letters ( I have no idea how this is possible especially considering on one of the certified letters I also sent 3 certified letters/return receipt requested to credit reporting agencies to help me clean up the mess Wells Fargo made to my credit rating, and all 3 receipts were returned ) 5 ) Good news : there is plenty of XXXX  work for US manufacturers ; customers want quotes for XXXX XXXX XXXX  XXXX  and XXXX XXXX XXXX  XXXX  but we need working capital to build a clean room to get XXXX approval, fabric, new employees, etc. We have learned on our own how to manufacture XXXX  XXXX  XXXX  and we need help from Wells Fargo.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: KY
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:
Please help, I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.

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 2021-12-01
Company: EQUIFAX, INC.
State: KY
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:
Please help, I noticed I have some inaccurate " late payments '' on my credit file. I have disputed the accuracy of this account several times but I was never notified of the investigation results. Pursuant to the Fair Credit Reporting Act XXXX XXXX XXXX, an investigation must be complete in 30 days. Since the investigation was not complete it is a violation to my consumer rights and this account must be updated to " paid on time '' or deleted. It is also a violation of my right to privacy and it harm my general reputation for this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have spoken to over 4 different representatives at this company. Explaining that I was a victim of identity fraud. I had numerous account including this one. I have disputed issue directly with rental company. They then referred me to Southern Management Systems. I explained issue and that I did not owe any balance and Southern Management Systems refused to help me saying I would need to dispute with Credit Agencies. I disputed with all three Credit Agencies XXXX, XXXX, and XXXX all disputes where denied because Southern Management Systems refused to accept my identity theft explanation. It has been over 6 years now and still no positive results after disputing every year. Balance said to be owed as of XX/XX/2019 is XXXX. This balance is inaccurate as it should be removed due to fraudulent account open initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA
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:
Good Afternoon ; I was going through my credit report today again, specifically on a charge-off account from TOYOTA FINANCE LEASE from back in XXXX. I disputed this account and nothing was sent to me to legally verify this account. I'm still shocked the way you're reporting this account on my credit report because it continues to report incomplete, inaccurate, inconsistent, and unverifiable information, but yet you claimed that you verified. It's impossible that you verified this account because of the following errors. 
3 different open dates reported ; 3 different date of last activity dates reported ; XXXX reports XX/XX/XXXX ; but XXXX  reportsXXXX, and XXXX  reports the DOLA as XX/XX/XXXX. Impossible!!! 
Date of last payment is wrong ; Date of last activity is wrong ; Each bureaus are showing different payment history, such as " CO '', OK, and 30/60/90 days account status. 
Date of the last activity is wrong ; PLEASE SEE ATTACHMENT AND DELETE FROM MY CREDIT REPORT!

Company response to consumer: Closed with explanation