BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Park Hill Holdings
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 applied for Bankruptcy and was granted XXXX  XXXX relief 2020. My entire rental history was added and discharged including XXXX XXXX XXXX. I sent proof of discharge to Safe rent solutions and they refuse to remove the derogatory items from my rental history which is causing me to be denied on my new rental applications. I have paid multiple application fees to keep getting denied to find out that its because this company is still reporting negative items.

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 2022-04-19
Company: Upstart Holdings, Inc.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX 2021 a personal loan of XXXX $ was taken out in my name without my consent or my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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: Reporting company used your report improperly

Complaint:
I pulled my credit report and noticed 3 inaccurate collections reported. These 3 collections does not have a creditor attached to them to clarify. Which is illegal to add any collections without Accurate and all information attached to it. I am assuming it is medical  collections, which was disputed over a year ago and removed. These collections was understood not to report again after being removed. Equifax is known to remove items and put them back and they are also known for continued system failures. Which cause the consumer to constantly having to check behind them versus them going back to see what malfunctioned and fixing the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence keeps calling my work and hanging up without saying anything! They have done this multiple times throughout a 3 month span. I've talked to them on my cell phone when they call and I've asked them to email the info as well as website to make payments with nothing sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: U.S. BANCORP
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent money to a supposed dog breeder, XXXX XXXX, in XXXX, Washington, in two separate payments, one {$200.00} payment and one {$300.00} payment on XX/XX/2022, via XXXX from my US Bank account. This morning when I tried to contact the breeder to find out when I was going to pick him up today ( XX/XX/2022 ), he blocked me. I tried calling and no answer. I tried reaching out to my bank ( US Bank ) and they said they could not refund me the money because the transaction had already been completed. This is complete fraud/scam.

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 2022-12-02
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I received notification from US Bank that my business account was in the process of closing for suspected irregular activity, in accordance with the terms and conditions of the Deposit Account Agreement. In the letter it stated if i had questions to contact to a number that is no longer working. ( XXXX ). Therefore, I contacted the customer service number on the back of the debit card and for 3 hours I was transferred to about 15 people that still could not provide answers. I asked if I could at least pay my account to a XXXX balance and was told since there was no local branch in my area I could : 1. ) XXXX from another account- which did not work 2. ) Wire transfer- which was not true 3. ) Recovery department could not take a payment because my account was not officially closed Then after calling back from all the failed attempts the next day ( Friday ), I was setup with a virtual call with a branch manager at XXXX XXXX XXXX XX/XX/XXXX XXXX to only be called by a banker at XXXX XXXX and was told they was not sure why this meeting was setup. When I explained to the banker that the meeting was scheduled with a branch manager, I was told no one could help me and she hung up. I called back several times with no answer. I also let a very polite email and no response. 

I called one of the 15 numbers I had been giving previously to file a complaint and of course was told someone would contact me. As of today XX/XX/XXXX, I have not heard from one manager.

On XXXXXXXX, I wrote an email to the chairman, president and CEO of US Bank to only receive an acknowledgment from the Executive communication department. As of XX/XX/XXXX, I have not received a phone call from anyone to assist me with my concerns. But only acknowledgement that they received my complaint. 

As of today, the account is at a XXXX balance but I had to pay more ( {$440.00} ), versus if I was given the opportunity to pay during the 3 weeks of denial ( {$390.00} ), run around and transferred to several different departments that had no clue of how to handle my situation. I honestly feel I was treated with disrespect which makes me feel this was done based on me being a female. No one asked me what the issue was as to why i had the return check.

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 2020-03-14
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered two pairs of shoes from the Steinmart Store located in XXXX XXXX, S.C., a week before XXXX, XX/XX/2019. I ordered them, paid for them, and they were to be delivered to my home. The charges for those two pairs appeared on statement charged on XX/XX/XXXX. One pair cost {$45.00} and the other pair {$64.00}. Only one pair ( XXXX ) was delivered to my home. I called Steinmart and they could not tell me what happened to the delivery. I have contacted them several times and each time I am told that I need to contact the dispute department. The dispute department at Syncrony Bank has not returned any call after I have left several messages. I never received the shoes, and I have requested proof of delivery form what ever delivery carrier they used. They have not provided me with any proof of delivery, but are still charging my credit card 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 2021-05-20
Company: JPMORGAN CHASE & CO.
State: OH
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:
In XXXX XXXX 2021 XXXX, I was a victim of fraud and someone purchased {$4500.00} worth of gift cards and other ridiculous items and I contacted my bank immediately to notify them of fraud. 
Chase Fraud Department stated they would fix these issues and at the time they reversed the charges. Three months later, in XXXX the fraud department added {$1300.00} of those charges back to my card and stated that I benefited XXXX which no on benefits from fraud ). I provided them an email from XXXX and XXXX stating these charges were cancelled and refunded and these were fraud charges. 
The Chase Fraud Department is still trying to make me pay for these transactions even though I provided them with the information from both Merchants stating this was fraud and were unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2020-07-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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:
Ive read the response of my complaint from Chex systems which I have a problem with. A lady called me one night to go over my report and phone numbers that were on there and I asked her about these variations of numbers beside my name. Then she went on to say that I called before with another number or something which is totally wrong and it doesnt make sense. She doesnt speak good English to communicate properly and said that she was gon na keep information on my report she doesnt know what she is doing. If my wallet and other identification has been lost/stolen common sense should tell her that someone is using my information! I would like for this lady to call me back and explain clearly whats shes talking about or someone else and said she merged a file and it doesnt belong to me. This is crazy!

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 2022-12-02
Company: EQUIFAX, INC.
State: AL
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 
XXXX & XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX # XXXX has violated my rights. 
15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, 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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or remove. Per FCRA segment 605 you are expected to delete any records recorded on an ID THEFT REPORT #. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims. The following items needs to delete : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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: Account information incorrect

Complaint:
I have submitted two letters to the credit bureaus about negative accounts on the credit report. I have not been sent anything stating things are going under investigation for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, Transunion & XXXX. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2018-04-26
Company: WELLS FARGO & COMPANY
State: MI
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 called Wells Fargo concerning an inquiry made last XX/XX/2017 which shows up on my recent credit report with XXXX  as WF CRD SVC. I can not recall any activity around that time period that would account for this inquiry. I have no accounts with Wells Fargo and have not been shopping for a mortgage. I asked them to remove the inquiry which the representative attempted to see if that was possible and was told that Wells Fargo doesn't just remove inquiries because someone asked them to. I believe the inquiry is not by 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 2023-05-18
Company: EQUIFAX, INC.
State: OH
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:
To whom it may concern I'm sending you this dispute pertaining to my credit report that ALL THREE CREDIT BUREAU ( XXXX, XXXX, and EQUIFAX ) is reporting and have obtained false information about me ( XXXX XXXX ) on my credit report about a Bankruptcy and that i have received full conformation from the United States Bankruptcy court that they do not supply or report any information to any credit agencies and i have a memorandum from the clerk of courts office confirming it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This account was openly fraudulently and the authorized user was add fraudulently as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: PNC Bank N.A.
State: NJ
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:
On XX/XX/25 I inquired about a loan to pay me backrent with a company called XXXX  XXXX XXXX and they told me that I would be approved for a loan of XXXX and would have 48 months to pay it back. And I accepted they asked for my bank information I provided that. Then they filed disputes on my bank account and took XXXX dollars from me and now do not answer my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Experian Information Solutions Inc.
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:
Dear XXXX ( # XXXX ) XXXX : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher.

I'm also exercising my rights under section 9-210 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ). REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2019-08-30
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 tried reaching out to the creditors ( XXXX/XXXX & XXXX/XXXX ) in addition to the credit bureaus ( XXXX, XXXX, and XXXX ). To date I have yet to receive any correspondence from either creditors or credit bureaus. 

Please reference documentation that was submitted to both creditors and credit bureaus. Correspondence to the creditors was sent via certified mail. 

Both the creditors and credit bureaus have exceeded the 45 Days. I am requesting complete deletion of the late payments.

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 2018-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After reviewing my credit file it has to my attention that XXXX XXXX has inserted a negative mark into my credit file. I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX XXXX. XXXX not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that I have never even heard of XXXX XXXX company or even received any communication regarding this alleged debt. I was not even given my right to dispute the validity of this account. I was never even aware that this account was open. Remove this from credit file immediately or I will be forced to sue.

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 2020-12-04
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: Problem with personal statement of dispute

Complaint:
I have sent MY OWN dispute to TransUnion and they denied saying it wasnt me directly. I AM NOT WORKING WITH A CREDIT REPAIR AGENCY. All I want is a fair investigation.

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 2019-06-18
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Navient to work on payments. I get my account information XXXX, 2019. Only received a letter saying their counseling and my payment plan. They never notified mean the payments were not going through. XX/XX/2019 We gave them my account information. But continuously they're saying they can't take out the payments. Insufficient funds, yet when I research there's been significant amount of money in my account each time. When I asked for documentation for my bank. They couldn't provide any.

Company response to consumer: Closed with explanation