BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I ordered a product from a company XXXX for a fitness tracking watch in XX/XX/2018 for {$40.00}. The tracking number that XXXX provided is XXXX never received the watch. I had attempted to reach out to the company and they would never return my call or contact me by email. When I was unable to have them acknowledge my request. I then reached out to Paypal Credit to file a dispute that I never received the product. Paypal claims to have opened a complaint case and they contacted me with the results. They sided with the shipper saying that the item was delivered. To this day I still have not received my item. I contacted Paypal again and asked them their reasoning why the agree with the shipper. Paypal said that they provided a tracking number. I asked them that the tracking number provided only showed shipping progress from XXXX to XXXX XXXX in New York and not tracking information from there. Paypal said that they said the post office delivered it to my address. This did not happen. They then said I need to check with my post office. It is not responsibility to check with the post office. That is for them to do if they are researching where the product is.

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 2021-08-27
Company: EQUIFAX, INC.
State: PA
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 is reporting the following incorrect information and has been doing so for over a year with no help whatsoever. This is now causing me a lot of harm as I look for a new apartment I am unable to get approved because of this innacurate derogatory mark on my credit file. The following information is innacurrate and i have even provided a screenshot of my XXXX  account as proof. 

Balance - {$260.00} Amount past Due - {$86.00} Remarks - 120 past due All of the above is incorrect. My account balance is {$0.00}. My account is closed. And I am not past due. 

I would like all of this removed immediately from my consumer credit file on equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit reports and Navy Federal Credit union is reporting a balance of over {$10000.00} for a credit card that they say belongs to me. Please remove this, it has been reporting for 7 years now. I need it off my credit report. It is fraud. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: TX
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:
I registered at Experian.com in XX/XX/XXXX, which claimed of providing free unlimited Experian report for its members. I was able to get my Experian report from XXXX toXX/XX/XXXX. Then its website started showing error message and I could not retrieve report from it since XXXX. 

In earlyXX/XX/XXXX, I contacted Experian Membership service, reported this issue. OnXX/XX/XXXX, A representative tried to contact me and left a voice mail. When I called back, I was informed that Experian Membership department ca n't see my Experian credit report ( it 's blank in their end ). They asked me contact the Experian credit bureau department to request a paper report and upload to Experian.com/XXXX. They would open a tech support ticket after seeing my uploaded Experian report. 

I expressed my concern and upset, and the supervisor XXXX ( Employee ID XXXX ) informed me that their department just need to know that my credit report has account information on it, it 's not empty. And I have to request a new credit report myself. I told her that i just ordered my annual Experian credit report on XX/XX/XXXX. Everything looks normal. It was not empty. I have also subscribed ProtectMyID alert, which is also a division of Experian, and no suspicious activity was reported. However, the supervisor insisted that I have to request a new Experian report, and uploaded to them before they try to fix the website glitch. They would not do anything even after I told them i have a XX/XX/XXXXexperian report with correct account info. They further informed that i may need to pay for a new credit report since I had ordered one on XX/XX/XXXX 

The way the membership service at Experian department handled website glitch was so ridiculous and suspicious that it looks like they just want to mislead customer to pay extra to get a paper credit report instead of fixing their website glitch.

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 2017-09-08
Company: DISCOVER BANK
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: Confusing or misleading advertising about the credit card

Complaint:
On XXXX XXXX I open an account for a credit card with Discover Card ... .My credit score was fair the Discover credit card company inform me that I had to put up a secure deposit I put up a Deposit of {$700.00} ... and was informed if I may all credit card charged to the account on time I would receive my secure deposit back and continue to use the Discover card ... XXXX XXXX XXXX which would have been 1 year ... I never was late with my payments and my credit score went up more than 60 point from when my account open.I called Discover Credit Card Company Representative and asked about my refund or deposit and was told yes I did make all payments on time and that after each month the look at all accounts payment history..But they never responded back or sent the secure refund..at the end of XXXX XXXX I spoke with an rep for Discover and was told they still was looking each month at all accounts ... I asked them on that day XXXX XXXX XXXX ..to please close that account and send me my deposit back..my credit card account was XXXX balance..for the last two statements ... .however ; this company continue to use my secure deposit earning interest monthly ... and as of this date XXXX/XXXX/XXXX ..I have not received my deposit ... this company continue to open new accounts with the promise of returning the secure deposit after one year if all payments are made on time ... but never keep their promise to many consumer who only desire is to earn or rebuild their credit and show good faith ... .I build-ed my credit back up with many other accounts I have open ... .why are they still using my hard earn money from my SSI retirement check..my only income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I filed two rounds of letters with TransUnion, XXXX and XXXX on XXXX XXXX and XXXX XXXX and the accounts still remain and have not been fully validated. TransUnion sent me a second letter stating since they attempted to complete an investigation the first time, they will not be conducting a second investigation on the accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am coming to this bureau regarding a very serious concern of mine regarding my Toyota lease. In XX/XX/XXXX/XX/XX/XXXX of XX/XX/XXXX-XX/XX/XXXX I was concerned as to why my credit dropped OVER a hundred points and noticed right away that Toyota Financial had reported me as a delinquent on my lease. I have been in contact with them a lot regarding renewing my lease and potentially acquiring a new vehicle and never once had they mentioned to me that I was overdue on a bill that was supposed to be on AUTOPAY. I have always used autopay and only in emergency situations when I travel do I request statements. In these months I had not been made aware that my autopay was not successful nor that the autopay was somehow disabled. As a result I have no way of seeing or obtaining a statement from them because this was on automatic servicing. I receive don e-mail, no mail at ty address and what is most shocking is that I received not ONE SINGLE phone call to warn me or protect me. I am so shocked and confused at this company and how they can repeatedly try to sell and re-sell cars to me and yet they can not even contact me regarding an autopay issue and a payment that was nearing its due date. I had gotten my payment in before my grace period as far as I was concerned and yet they still reported me 30 DAYS late. This is abuse of power and a terror to consumers! How can they be a financial institution and yet the sit there and wait until more than enough time has passed by so they can tarnish my credit, charge me astronomical interest and late fees and smile there way through our conversations about me being such a great customer that I qualify for a new car??? 

It is in their professional duty to inform consumers if there is an issue so that these horrible situations can be avoided. But it seems to me that Toyota Financial is the greediest and most deceptive company. I have called every possible phone  number in a an attempt to reach the dispute department but there is NO one there and no direct number and one can only communicate through their unprofessional and ill informed customer service agents situated in other countries who barely understand me. I have always been an excellent customer and these zero tolerance zero heart policies HAVE TO STOP! These companies constantly justify themselves and we as consumers feel and are absolutely powerless. How can they not understand a human situation and a electronic mishap? How can they not assume or believe or understand that mistakes happen and that they are NOT always right! I am going to pursue legal action for the damages done to me if someone does not help me. I implore your help on this website, please. I am running out of time and want to purchase a new car and can no longer. Also as a result of this my new interest will be out of this world high. This is unfair and not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
FCRA violations : payments never late XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$50000.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Open. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1400.00} Status Open. 

FCRA violations : inquires not mine XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX 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 2022-02-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Subtrust bank does not want to for my bank fees that were caused by them, They allowed XXXX XXXX to take out they're monthly fees but not annual fees which in turn caused XXXX XXXX to charge me a late fee. When I tried to resolve the issue that they caused, they told me to call XXXX XXXX. I told them XXXX XXXX had nothing to do with this and they refused to pay the fees that they caused.

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 2018-07-12
Company: DISCOVER BANK
State: MN
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:
I found out that there was fraud charges on my Discover Card by checking my credit report. The balance on the card is fraud and when I reported it to Discover, they failed to process the dispute and now there reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This past week I check my credit and found that this company : Debt Recovery Solutions , LLC - put that I owe something from XX/XX/XXXX, this is not true when I start looking for information said that was from XXXX XXXX and I look back and I paid off that account and don't owe anything.. that was in XXXX. 

I did not get any communication, no mail no calls, anything.. when I try to call nobody answers, and when I check the phone number in the credit bureau did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NC
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:
My identity was stolen. I never applied for this account I have no idea where these accounts came from. These are fraudulent accounts, I never shared my personal information with anyone, I never gave anyone permission to use my personal information. These accounts were opened without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I got a number off XXXX for Cash App, they were not cash app, they were pretending to be cash app. As soon as the call was over, I realized I had been scammed, I contacted cash app by message in the their app, they told me their was nothing they could do all the transactions had been completed, XXXX message them, I called them dozens of times. They continue tell me authorized the transcations. They never did anything to help me recover my money, they didn't investigate the matter. I have phone records and the search from when I got the fake number.I wasn't never able to speak to anyone who could liste to me, I was always told that information would be available to me after the investigation was over.which no information was available to me.The scammers sent money to a bank., I called the bank, they said cash app was suppose to dispute it with them. I was scammed out of {$11000.00}. On XX/XX/XXXX I received my statement from cash app, I went through the statement and their was {$15000.00} in completed charges, I didn't know that until that day. I didn't have that much money in my acct, I didn't understand how their could be {$15000.00} incompleted charges when I never had that much money for them to take. My acct never said negative. It says {$1.00} available.I don't understand how I could be scammed out of that much money and not be able to speak to someone who has answers, this is unacceptable. There is a federal law I read about called regulation XXXX, that's suppose to protect consumers from this type of problem.I have documents, phone records, and records from XXXX search as evidence of what happened to me.I hope someone can look into this further to help me recoop my money back..I 'm really having a hard time understanding this situation but I know there is laws to help consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
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:
Equifax, during XXXX 2017, exposed PII including my Social Security number, to an undisclosed third party through improper security protocols. As a result, my information has been stolen and is available to one or more parties looking to use this information improperly.
My SSN ( as you may know ) is perhaps the most valuable number associated with me as a person, financially at least. As a direct consequence of the mishandling of my information by Equifax, and their decision to delay notifying me of this incident, my identity is at an unacceptable risk of being stolen. 

Coupled with information like my drivers license number, birthday, full name, address, etc. Equifax has put me in a position where I have no choice but to monitor my credit constantly for the rest of my life, and also enact a security freeze, permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone logged into my accounts and possibly took some of my personal information. Lately Ive been receiving letters about opening new accounts. Today I recieved a couple of hard inquiries on my credit report from XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) that I have no knowledge of. I have not applied for any credit recently. With that being said I would like this to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the Wells Fargo / XXXX XXXX card. They denied my application for the following reasons : *Too many inquiries. 
*No open installment loans. 
*Too many late payments, negative records, collection agency accounts or derogatory public records. 
The first two items are subjective. However, I monitor my three credit bureau reports daily, and I do not have any late payments, negative records, collection agency accounts or derogatory public records on any of my credit reports. I have a perfect payment history for the reporting periods of all three bureaus. 
I called Wells Fargo and asked them to review their decision. They reviewed and sent me the same nonsense reply. 
In light of the massive fraudulent, criminal activity alleged against Wells Fargo for opening accounts that clients never knew about, I find it incredible that they use a bogus excuse to deny a legitimate application from a well qualified applicant.

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 2017-09-08
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: Account information incorrect

Complaint:
Unauthorized inquiry. On XX/XX/XXXX I expressedly did not authorize a hard inquriy on my credit report to XXXX XXXX XXXX XXXX XXXX, nonethless my report shows a hard inquiry which affects my score. This contradicts my command and the expressedly stated by the company representative " It is not a hard inquiry on your credit report ''.
I submitted a previous report and was told In order to protect the confidentiality of the consumer 's credit file information, Equifax must obtain proper identification from a consumer before disclosing and/or updating any information regarding the credit file. You may mail a copy of the requested documents, such as drivers license/state ID card and a utility bill showing the current address information along with a social security card Do to this fact my complaint was not resolved. I hereby authorize to proceed with my complaint and provide drivers license & social security card ( attached ) as proof of Identification. The aforementioned in order to have my complaint resolved and the unauthorized inquiry removed from my repot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXXank account ending in XXXX settled showing unpaid. Case number XXXX settled for {$1500.00} as agreed.settled on XX/XX/2022 XXXX bank account numberXXXX settled in full for {$380.00} as agreed on 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 non-monetary relief
Consumer complaint received 2022-07-13
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: Was not notified of investigation status or results

Complaint:
Dear CFPB I need help regarding this inaccuracies on my credit report. I need to have this account corrected as soon as posible for it is hurting my credit.

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