BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: Consumer Portfolio Services, Inc.
State: MA
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:
Before my car was repossessed in XX/XX/2021 XXXX was harassing me calling in upwards of three times a day. I reported the obsessive harassing phone calls and they put a stop to the phone calls but now my problem is not getting my statements on time and XXXX is not reporting it to the credit bureau accurately. I received a statement on XX/XX/XXXX that implied, as you will see by the attachments that I was three months behind when I wasnt even 30 days past due yet. Please refer to the attachments the information doesnt match up to when they are reporting my account to the credit bureaus either. I received a notification today through XXXX that my account is 30 days past due but according to the notices I received LESS than 30 days ago they say Im 90 days past due????

I believe this is all in retaliation for me putting a stop to their collection calls as soon as you are late they start calling up to three times a day. Its harassing not to mention the amount of money I owe on this loan doesnt make any sense. Even the worst car loan out there after paying it for a year you would see more than a {$20.00} drop in the balance. I reported this Company before being deceitful and dishonest but I didnt want to follow through with it because I just wont have time and Im a single mom but I am trying really hard to work on my credit in this company is set on preventing me from obtaining HOME OWNERSHIP reporting INACCURATE info AND not sending out an invoice to me in a timely fashion for me to pay it. On top of having incorrect information on the statement that I just received. This company is dishonest and unethical and just plain unfair. They prevented me from being able to pay all my past due when they took my car and it took twice as long to get it back because they kept adding fees and giving me instructions to pay the bill that were bogus. I have attached my informed delivery to prove when I received the LATEST BILL from them Which by the way says that its not due until XX/XX/XXXX yet the statement date is XX/XX/XXXX and it didnt get into my mailbox until XX/XX/XXXX?? Thats directly in retaliation to me stopping they are harassing collection calls because I know my rights as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: SYNCHRONY FINANCIAL
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I decided to consolidate my bills due to financial situations I could not control.  I contacted XXXX XXXX XXXX to see what options I had in this matter and decided to go with the company.  I was informed no to have contact with my credit card companies because they would be taking over from that point.  I have been receiving seven to eight calls a day but the once I received a call on my job I felt this has gone too far.  The number that showed up was an XXXX number and a recorded message said, Please hold the line while I connect you I waited and the person on the other end said is XXXX XXXX and I said it is pronounced XXXX.   He went on to say he was from Synchrony Bank and asked about a payment, I told the man that I had consolidated my bills and during this time, I had customers and co-workers within a foot from my desk.  I tried to whisper because I did not want everyone to know my business but it keep replying, what did you say as if he could not hear me.  I told him that I have told you once and provided the number.  He told me that he was not calling and informed me of a payment that was do and again I gave him the same information and told him he cant hear because his phone keeps clicking.  I started to get upset and my tone was beginning to change so I hung up.   When I got off the phone, I was embarrassed.   While I was sending this complaint, I received another call.  I NEED my job!

Contacted my job dates: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Contacted my cell: XX/XX/XXXX , XX/XX/XXXX (6x)   XX/XX/XXXX (9x)  XX/XX/XXXX (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX (6x)  XX/XX/XXXX (8x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (10x) XX/XX/XXXX  (10x)  XX/XX/XXXX  (8x)  XX/XX/XXXX  (4x)   XX/XX/XXXX  (1x) so far

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 2022-01-20
Company: Westlake Services, LLC
State: NJ
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:
I noticed few inquires and I never authorized nor recognized.

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 2022-01-20
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
I noticed inquires that I have not authorized on my credit report and I would like for them to remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: PA
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: CHARLES SCHWAB CORPORATION, THE
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XXXX of XXXX I opened an account with both myself and my wife listed on the checking account. This was a Charles Schwab account checking and brokerage account. after my paycheck went into the checking account {$3600.00} my wife wanted off the account. I was told when I went to the Charles Schwab office in XXXX NE on XXXX XXXX to transfer the money. I filled out transfer papers while I was there at the office and submitted them. I was also told my wife needed to sign a letter stating she wanted removed from the account and send it to them electronically. I did this also XXXX XXXX, XXXX. I was told this would take 10 business days. The money was never transferred, and I was told at that point to open an account just in my name. I opened the new account and at that point they blocked me from the site. I called XXXX, XXXX XXXX on XXXX XXXX and was told the account was in review and someone would contact me. No one ever contacted me. I called again on XXXX XXXX, to XXXX and XXXX and was told a check would be sent to me as both accounts they had closed. The check would be sent in 10 business days. We never received a check from them. I called again XXXX XXXX to XXXX and XXXX and was told they never sent a check, and the account was under review, and someone would call me back. I called again XXXX XXXX, to XXXX and again was told someone would call me back to discuss the issue and again no one called me back. This morning I call them again XXXX XXXX, XXXX and was told that my wife needed to call them back at XXXX and so on my lunch break I went home, and we called them again at XXXX. We were told that the account is locked and that it is under review and that someone will call me about the issue. I will be very surprised if I ever get a call back from Charles Schwab Bank. And at this point am wondering if I will ever get my money from them. I have also filed a complaint with the XXXX XXXXn hope that they will send me my {$3600.00} as this money is needed and I am behind on bills and my wife has medical issues and we need money for her medication and mine and we have a small child that we need money to take care of. we live paycheck to paycheck, and this is affecting us and how we live. XXXX does not seem to mean anything to them though. I hope this will help me get my money out of the Charels Schwab bank as I am not sure what to do next except keep calling and getting lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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 XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without mt written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2019-12-24
Company: WELLS FARGO & COMPANY
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:
I used an ATM in XXXX and the machine had an error. I submitted a claim and it was not resolved and Wells Fargo withdrew money from my account. I submitted a photo with evidence and they still havent resolved the issue meanwhile I was charged fees due to not having these funds.

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 2022-01-20
Company: Advantage Credit, 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:
Have inquiries that I am not aware of on my report. I have called XXXX customer service to have them removed and they have not helped me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On the morning of Sunday, XX/XX/XXXX, we went to the US Bank drive through ATM located at the US Bank, XXXX branch at XXXX XXXX XXXX XXXX, XXXX, IA XXXX. We needed to withdraw {$300.00} cash as my daughter was leaving that morning for Minnesota for school and this was to pay for her gas, food, etc. I bank with XXXX, an online banking corporation, and US Bank does not charge a fee for using their ATM. When the money was supposed to be dispensed from the machine, the machine started making a cranking noise like it was either jammed or broke ; however, no cash was dispensed. My husband cancelled the transaction and got my debit card back. However, the {$300.00} withdrawl was now showing pending to my bank account and I had not received the {$300.00}. We went into the XXXX store courtesy desk and was advised that the bank would open that day at XXXX XXXX and that they had no access to the ATM to help. So, once the bank opened we were able to speak with the branch manager, XXXX XXXX. XXXX said that he would submit a claim for the ATM funds. Shortly after returning home, XXXX called us to advise he was told by US Bank that since we are not account holders there, they are unable to assist us directly in getting our funds ( even though it is their ATM and the cash was stuck in THEIR machine ). XXXX said we would need to file a dispute with my bank, XXXX to get the funds returned. I called XXXX and they stated that until the funds go from pending to posted, they ca n't submit a dispute. They stated once the funds posted to my account to call back and they could process the dispute. The US Bank transaction posted on XX/XX/XXXX to my account. So, I filed the dispute immediately. It is now XX/XX/XXXX and I STILL do not have my {$300.00} returned to me. I had to go to another ATM on that same day and withdraw another {$300.00} PLUS fees just so my daughter could go back to school. This has negatively impacted my credit as I am not short {$300.00} plus additional fees I have had to pay for taking out funds from another ATM that day. I want action on this immediately. XXXX XXXX continues to state that it is being investigated and US Bank continues to state that they ca n't help me since I am not their customer. Please assist in getting these funds returned to me immediately. Somewhere, US Bank is sitting on MY {$300.00} cash and they do n't seem at all interested in returning it to me in a timely manner. I am sure if the tables were turned and I owed THEM {$300.00} they would be charging me fees, interest and damaging my credit history with reporting it.

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 2022-01-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Received an email from XXXX XXXX XXXX XXXX of a decrease in credit limit. I have not missed a payment and always pay more than due. The credit limit decrease made it so that a report of 91+ % usage of available credit.

I then called Synchrony the card issuing bank. I ask the customer service representative why the limit was decreased. The representative read me the letter and referred a credit company 's ( XXXX ) phone number to request a {$9.00} report. I believe the lowering of my credit limit is an action allowed according to the Fair Credit Act and could negatively impact my credit score. I was trying to increase my credit score when I initially accepted the card when offerred.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 sent out 2 notices of BILLING ERROR and questions related to BILLING ERROR NOTICE The first was XX/XX/XXXX and the second was XX/XX/XXXX. As a result I was sent COPIES of my statements for answers to questions stated on both BILLING ERROR NOTICES. I received these NON VALID correspondence to my notices past the 90 days at most, allowed under the FCBA. The COPIES of statements do not constitute proof under the LAW! There is no longer an agreement. There is no longer a contract. The alleged contract is null in void based on the lack of proof of verification and aquiescense to the new terms of agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX and XX/XX/XXXXmy card identity was stolen and used for two charges of over {$3000.00} through XXXX. I informed the credit card that I did not authorize these charges. 

They took care of one charge but the other one they are claiming I authorized through XXXX. 

I sent them my XXXX account which is a business record and 100 % shows that I did not make these purchases. And have never made big purchases with my credit card or XXXX. 

Depsite this, they informed me through e-mail that they had proof from the XXXX XXXX that I authorized the card and were going to make me pay for the charge stemming from this " proof ''. Noteworthy, they did not send me anything through the mail just a link on their website. When I attempted to look on the website for this so called " proof '' all I got was " error ''. 

The Credit Card Company is USAA XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: AZ
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 sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Date Updated : XX/XX/2021 EMPLOYER : XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date of XXXX XXXX Date of Inquiry:XXXX XXXX Date Of Inquiry:XXXX XXXX Date Of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXXXXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of InquiryXXXX EXPERIAN XXXX XXXX Date of InquiryXXXX EXPERIAN XXXX XXXX Date of InquiryXXXX XXXX Date of Inquiry:XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of Inquiry:XXXXXXXX  XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of Inquiry:XXXXXXXX XXXX  XXXX Date of InquiryXXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of InquiryXXXX XXXX  Date of InquiryXXXX XXXX  XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX XXXX XXXX Date of InquiryXXXX XXXX XXXX Date of Inquiry:XXXX XXXX XXXX  Date of Inquiry:XXXX XXXX XXXX XXXXXXXX Date of InquiryXXXX XXXX Date of Inquiry: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 2021-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2021 letters were sent to Transunion, XXXX  and XXXX  explaining there is no original contract or original ink signature to validate debt. On XX/XX/2021 I received letter from the three bureau and the debt is still reported on each one without the original instrument of indebtedness with original ink being provided.

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 2021-07-22
Company: BARCLAYS BANK DELAWARE
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 have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, XXXX, XXXX, XXXX, Barclays Bank, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded 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 2021-07-22
Company: SYNCHRONY FINANCIAL
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 have disputed the accounts with all for the credit bureaus for the accounts reporting with XXXX XXXX , XXXX XXXX, SYNCB, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX are not mine, I have sent this info to each creditor along with the credit bureaus directly by mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I never repined any replies from any of the companies, but XXXX  and XXXX  have replied back, but the investigations are not completed accurately. I have sent over request to have the results of the investigation forwarded 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