BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
applied at XXXX and requested my annual XXXX free reports, none of the XXXX reporting agencies would relesase/show me my own credit information?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Early Warning Services, LLC
State: CO
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: Other problem getting your report or credit score

Complaint:
On or about XX/XX/2020 I tried to open a checking account at XXXX XXXXXXXX XXXX. This request was denied and a few days later I was told they base their decision on information obtained from Early Warning Services. I looked them up on the internet, completed the request for a consumer report and uploaded the request to their website per the website instructions. This was completed on XX/XX/2020. After repeated emails asking them for the status of the request I have not received a response and have not received the report. They were supposed to send the report within 15 days as required by the FCRA. It has now been almost 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Wells Fargo removed {$3000.00} from my XXXX XXXX account on XXXX/XXXX/2016, unauthorized. I had a payment set up for this amount, but called them on XXXX/XXXX/2016 to change the payment to the amount of {$490.00}. When I called them and told them I had cancelled the payment of {$3000.00} and needed the funds back, they acknowledged it was their mistake and that they payment should have been cancelled, they did n't know what had gone wrong. The next morning, XXXX/XXXX/2016, I had a conference call with Wells Fargo and XXXX XXXX to see if the charges ( there were multiple ) would clear or be returned. Upon figuring out which ones would clear and which would be returned, Wells Fargo said they would refund me $ XXXX which is the amount that cleared my account and covered the XXXX overdraft charges I incurred because of the overdraft of my checking account. Wells Fargo said they would credit the {$870.00} back to my checking account. As of today, XXXX/XXXX/2016, my account is still negative {$770.00}. When I called this morning, the woman I 've been talking to informed me that the funds would be back in today. When I told her this entire process was absolutely unacceptable, seeing as I have been unable to use my checking account for six days, i.e. purchase groceries for six days, she told me that she was sorry, but they were doing me a favor because their usual process of returning funds is via paper check that can take up to 21 days. I do not understand how it is legal for them to remove funds from my account that I did not authorize, acknowledge their mistake, and then have it take this long for them to return the funds without offering me any kind of compensation. I attended the University of XXXX XXXX in XXXX XXXX, MN.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BAS Receivable Management Inc.
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: Problem with personal statement of dispute

Complaint:
I had to be hospitalized in late 2019. I had insurance and I had XXXX This company keeps trying to get XXXX from me. They are committing insurance fraud because they did not submit my bill to XXXX. They put my account into a major derogatory status which the actually owe me money because I paid half of the bill.

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 2016-12-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
A few months prior, I had major XXXX to remove XXXX from a XXXX. During this time, I missed XXXX payment on XXXX of my Synchrony Bank issued credit cards. When i became stable enough to rectify the concern, I called the bank on the accounts and spoke with the customer service representatives to address late payments, reporting and render payment. My issue with this bank in particular is this ; since that time synchrony has systematically lowered credit limits on every account that i have with this bank. This is done as a tactic to harm the consumer, it is done in manner where the new limit is a couple dollars above the credit balance which in turn effects utilization ratios to appear that the card has been maxed out. When the utilization is within a few dollars of the limit, the action affects the individuals credit score dropping it drastically. If a consumer is unfortunate enough to have multiple cards with this particular lender, they are ALL decreased to dollars above any balance whether or not you have had unforeseen circumstances that result in a late payment on them or not. This action was taken on my cards with this provider that had no late payment during the XXXX time frame as well as the XXXX I mentioned earlier. When i called Synchrony today, i was given non useful information on appealing or disputing a credit report listing. It was not applicable with this credit line as it was XXXX that was not impacted with a late payment. The representative then advised me that Synchrony does regular credit report checks on card holders, etc. I know that not to be the case however until the recent events that affected my payments came to light. I am very aware that businesses have to protect their bottom lines, it just seems that everything done is at the worst possible outcome for the consumer. They are very willing to open multiple accounts and charge higher interest rates for their store branded issues because it is in their interest of profit. When they took over my GE accounts, they even just dropped the card security feature without my knowledge. When I called a few weeks back the representative confirmed it dropped off when account changed over. Never any help with how it could be rectified, just an apology and a credit for a late charge. They even offered to remove late payment report, I have yet to confirm it however. Despite all that has happened with the late payment and reporting, the worst and most harmful has been this banks systematic approach to decreasing my score by maxing out every trade line i have with them. None of my other creditors have done what this bank has done to me. This is not a type of company i nor any other consumer should want to do business with.

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 2020-08-10
Company: Experian Information Solutions Inc.
State: MN
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:
My leased vehicle was turned in early. I contacted XXXX to find out my balance, how to pay it, and when it was due. They told me they were unable to provide information on the remaining balance until the vehicle was sold. I contacted them again several weeks later and was told the same thing. A third time in contacting XXXX I was informed the vehicle was sold, however it would be an additional few weeks until it was processed. After several more weeks of no letters, no phone calls, or no contact from the company I called again. I was told it was still being processed and that someone would get back to me. I called again several weeks after that and was told there was an issue with my account and that it was showing my account had not been closed. She said she would figure it out and call me back the following day but I didn't hear from anyone. I am in the process of purchasing a home and my credit report was ran. It showed my vehicle had been repossessed and it was negatively affecting my credit score over 70 points. I called again today to find out more information about my account. I was transferred to their recovery team. They said my account was still open and that it should not be affecting my credit score because a final balance is not yet available. They said they were unable to provide me with more information at this time. I have never missed a payment on anything in my life. Not providing information on amounts due and how to pay them is unacceptable, especially when it is negatively affecting my credit and keeping me from purchasing a home. I have made multiple attempts at trying to fix this issue with no success.

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 2016-05-20
Company: DISCOVER BANK
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Someone stole and used my information as a co-signer and took out a student loan. I did not sign my name anywhere for this. It is identity theft and I never authorized myself to be a co-signer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: Seattle Service Bureau, Inc
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have already settled this debt and paid both of my derogatory hits last year. Both are from the same company. They also said it would take about 30 to 60 days for it to reflect off of my credit report. I am looking on my credit report and it is still showing on my report as a debt not collected.

Company response to consumer: Closed
Consumer complaint received 2016-12-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XX/XX/XXXX I applied for a Wal-Mart Credit Card because of a breech of my personal information by XXXX XX/XX/XXXX I have a credit block on my credit file Sychrony Bank ran my credit not only for the Wal-Mart credit card that I applied for but also for a Steinmart Credit card which I did not apply for. On XXXX XXXX, XXXX Synchrony Bank sent me an email with the determination of the Wal-Mart credit application by email with a link embedded in the email. The link did not work so I contacted Synchrony Bank by phone and spoke to XXXX who informed me that the application was declined because of the could not pull my credit score to approve the application. She place me on hold and while she did I accessed my Credit via XXXX, XXXX and XXXX and discovered that Synchrony had pulled my credit score not once but twice. The representative XXXX stated that she would send me out the reason for denial however she advised me to remove the Credit Block from my credit file to have the application processed. When I questioned the validity of her suggestion she explained that if I wanted to have the application processed this was what I needed to do. When I confronted her with the fact that Synchrony Bank had already pulled my credit twice for XXXX different credit cards she thanked me for calling and the call was ended.

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 2020-01-08
Company: General Motors Financial Company, 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: Their investigation did not fix an error on your report

Complaint:
I leased a truck from GM back in XXXX of XXXX with a monthly payment of {$250.00} a month for three years for a grand total of {$9000.00} to be paid off by XX/XX/XXXX of XXXX. I paid the {$250.00} a month early every month and paid the last three  months in XXXX of XXXX. I was sent a XXXX  balance statement and I turned the truck in a week early with XXXX XXXX less miles then the lease allowed amount and the truck was in perfect shape with no scratches or dents. It was so nice that the guy that inspected it wanted to buy it. I thought everything was complete until three months later I was notified by XXXX  XXXX  that I supposedly owed GM financial {$590.00}. I never received a bill and had no idea I owed them money! I reached out to the company right away but was unable to talk to a real person for at least a week. I tried other numbers but to no avail. Finally after waiting for more then an hour I finally reached a real person. She then transferred me to someone else and then again and then again. Finally a women who did not give me her name said she could help me. I asked her about the charge and she said that {$300.00} was for excess use which she immediately said she could waive. then I asked her about the remaining charge and she said it was a lease ending fee. I told her I had no idea and she said she would send me a bill. After waiting another two weeks for a bill I started the phone calls again. I left my cell phone number and my email which when they did call me back they would only call my house phone number and leave a message to call them on the 800 number. I was always at work when they called. Another month went by and finally one day I was at home to answer their call I talked to a gentleman who once again didn't state his name. We went through the whole process again and he said they would definatly send me a bill and an address to mail it to. I received the bill five days later and immediatly sent the payment. This whole process took months and my credit rating was destroyed because of it. I was told that once I paid the bill my credit would be restored to where it was. Now I find out that it's going to take seven years to restore my credit rating. I'm a person that ALWAYS pays his bills and ALWAYS pays them early. Now because big business GM financial can't treat a consumer properly and they make it almost impossible to reach them my financial ability to apply for a loan or a mortgage has been deminished. I would like my credit rating restored now not in seven years. I'm XXXX XXXX years old. I might not live long enough to wait for the credit agencies to make it right!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: U.S. BANCORP
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:
This account was settled XX/XX/2020, however my credit report is showing that I still owe a balance of {$800.00}. I have received a letter from Elan Financial Cardmember service verifying this and I am attaching it. 

My balance is XXXX. I have disputed this before but Elan Financial fraudulently claimed I still had a balance. They also agreed to correct this two months ago, but have not done so.

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 2017-09-06
Company: LAKEVIEW LOAN SERVICING, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We claimed bankruptcy last year in around XX/XX/2016. Our accounts got frozen by my bank because i had a car loan with them but they choose to freeze them completely until they got a notice from the courts that everything was discharged. 

Once that was done I made catche up payments and did. however over a year later they are saying that i missed several payments and owe $ XXXX. I have sent them proof 3x that everything has been paid. 

They never send me a monthly statement on what i owe or of any late charges. Instead they sent me a notice that I owe $ XXXX in back payments. 

When we ask for this information they refuse. At one point they state I have a $ XXXX credit at the same time I owe $ XXXX and was stated that they maybe mixing up payments. 

this is for 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 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.

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 2020-08-10
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Multiple transfers were made on coinbase.com as well as coinbasewallet 1. I transferred about XXXX $ usdc to link coin to my coinbase account. Nothing showed up, says the transfer went through but I dont see the funds in my account 2. I transferred bzrx token to usdc and I never received that either. Transaction said it went through but I dont see anything in my account. 
3. I transferred XXXX of BZRX to ETH on coinbase wallet and it also said the transaction was a success but when I check my funds nothing is there?! 
Ive contacted coinbase support multiple times about this issue and I still have not received any type of help at all. This has been ongoing for 3 weeks now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
ChexSystems has reported information that is inaccurate. Under personal information they display names that are inaccurate such as XXXX XXXX XXXX, and XXXX XXXX XXXX which are not associated with any business nor my social security number seen on attached document chexsystems.pdf. There is also a page that is reporting my address inaccurately including the name XXXX XXXX XXXX XXXX seen on attached document chexsystemsXXXX.pdf. XXXX XXXX XXXX , XXXX is also reporting inaccurate information for a savings account that I had transferred money in and out of. They stated it was account abuse and closed the account without any notification. They also state that the account was PAID IN FULL AND PAYMENT PLAN which I do not understand how that relates. It was a savings account without any negative balance and nothing had to be paid all which can be seen on attached document chexsystemsXXXX.pdf.

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 2020-08-10
Company: EQUIFAX, INC.
State: CA
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 am a victim of identity theft, applications were submitted in my name and my identity have been used without my consent to fraudulently obtain goods and services. 
I have three fraudulent accounts on my credit and i did submit a ftc report to them and they blocked the fraudulent accounts, but after a month the collection companies and one of the banks unblocked the accounts with false information submitted to the three major credit bureaus, please direct all three major credit bureaus to block and delete all three fraudulent accounts listed below. 
1. XXXX XXXX, account number XXXX, account was opened fraudulently on XXXX, total amount of fraudulent balance is {$5400.00}. 
2. XXXX XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$5900.00}. 
3. XXXX  XXXX, account number XXXX, account was opened on XXXX, total amount of fraudulent balance is {$36000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This company employs very verbally abusive people to yell at those they call. They threaten, mock, interrupt attempts to speak, and refuse to listen to requests for change of venue for paperwork served. They hung up on me several times when I just wanted to request a change of venue. When I said I would dispute the charges, they again hung up after yelling at 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