BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2017-10-23
Company: Experian Information Solutions Inc.
State: NY
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 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

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 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
At least 15 different accounts is inaccurate and fraudulent. Also, all three bureaus show different information with confirms my statement under the Fair Credit Reporting Act. I have documentation which lists which account or inquiries are to be removed. I have also sent papers to each of the credit bureaus to have this removed and investigated around XX/XX/2021.

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 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$870.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2021-02-17
Company: VALLEY NATIONAL BANCORP
State: AL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Valley National Bank is trying to receive additional payment from a debt I have already paid on the mortgage my mother had she is now deceased due to covid. I paid and closed the account XX/XX/2020. They continue to send letters and harassing calls saying I still owe them because I was a cosigner. I explained to them I have my bank statements showing where I paid the balanced my mother owed. Her mortgage was {$830.00} but she had additional fees charged to it. The total to close the account was {$980.00}. I paid it and again they continue to send letters and call harassing me for payment and have now went to collections. Any help would be appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received correspondence from Capital One dated XXXX XXXX, XXXX about all three of my accounts with them ending in XXXX, XXXX, and XXXX being severely delinquent and over limit status and I was instructed to destroy my cards and not use them. I have contacted Capital One for explanation of this matter as the allegations on all accounts were all false on XXXX XXXX, XXXX and I have had an excellent credit history with them prior to XXXX XXXX, XXXX. I even have recorded phone records to prove the account representative on the phone said my accounts were in good standing on XXXX XXXX and she does n't know why I received the letters.The letters sent me are attached. In a reply letter from Capital One XXXX XXXX XXXX, XXXX, they continue to dance around the issue and directly address the date of XXXX XXXX, XXXX and the status of my accounts on that date. They are committing fraud and have unethical business practices and no one within the company appears to be competent enough to address the XXXX XXXX, XXXX status of my accounts that were in good standing. They have failed to show me booking entries to prove on XXXX XXXX, XXXX these accounts were all severely delinquent and over the limit as they have accused me of. Their pointless computer generated responses are a waste of time as they have no name attached, are unsigned and they do n't answer the questions and are in violation of the law with silence in the matter. Not answering the question is silence of acquiescence. Their computer generated unsigned responses with no name on it is a protection mechanism in an attempt to hold no one accountable for their unethical business practices. Additionally, XXXX XXXX, XXXX Capital One has received an affidavit from myself stating the facts about the fraudulent acts and on this day my signature has been rescinded from the original application due to fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions 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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to start stating that I don't know what else to do to get a fair solution to this issue. I already engaged Synchrony Bank back on XX/XX/XXXX and I didn't get any response from them. They didn't even investigate my case and there is no dispute remark in the account. 

I am submitting this complaint because they are not acting according to the consumer rights. They are violating the law by doing the following : 1. Conflicting payment history, inaccurate reporting.

2. Reporting false activity date.

3. Re-aging charged-off account!

4. Unfair business practices.

5. Negligence.

6. Breach of contract.

7. Reporting false and erroneous information. 

I did my own research and I am sure that, based on all the damages that I have suffered due to their inaccurate report, it is fair to get the account REMOVED from all three major credit bureaus. 

Here is the account information : Synchrony account : Syncb/Paypal Credit, opened date : XX/XX/XXXX, limit : {$300.00}. 

Please send the attached documents to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I damaged my ReliaCard and I ordered a new one. Soon after, I got logged out of my account and I couldnt use my card online. Then, when I finally got my replacement card, it still wasnt working anywhere. I contacted ReliaCard and the PA Treasury. ReliaCard states that the problem is not on their end, and when I tried to call the PA Treasury, they said they dont know when Ill be able to use my card again.

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 2022-08-15
Company: Experian Information Solutions Inc.
State: CT
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account information below : XXXX XXXX Balance : {$0.00}

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 2022-05-01
Company: CITIBANK, N.A.
State: NY
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XXXX/XXXX/XXXX, I requested a free quote from XXXX for a personal loan. I provided my information. I was notified by TransUnion that XXXX had requested my credit report without my knowledge. I called into XXXX Customer Service and informed them to disregard my pending application and to remove the inquiry on my credit report since I did not approve this request. I was informed a soft check would be done before I accepted any offer, then a hard check would be done. I received a letter from XXXX calling me XXXX XXXX and that I accepted a hard check and submitted an application. I am not XXXX XXXX. XXXX has incorrectly pulled my credit file with another name from the information they received. Remove this inquiry from my credit report since I did not authorize this hard check. XXXX has failed to correct this error. This is a violation under the Fair Credit Reporting Act.

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 2017-10-23
Company: EQUIFAX, INC.
State: NY
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 3 student loans that are closed on my report but it is reflecting late payments from XXXX and XXXX XXXX these accounts was never late this year, it is inaccurate.I have contacted all credit agencies and the information is still reflecting inaccurate information. The information can not be verified because it is not accurate but they are still reporting as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I tried to get my free annual credit report, but the website did not allow me to. I then called, and still have not received it. I demand my consumer credit report AND FILE be sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

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 2017-07-01
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX is attempting to collect on debt that is not valid. Currently, payments are being made to a federal entity which reflects on my credit report. I have sent XXXX XXXX XXXX proof of the payment consolidation and the Alltran refuses to delete from the credit file. In addition, the account from the same original creditor ( XXXX XXXX  University ) was deleted from credit file from all three credit bureaus ( XXXX, XXXX, and XXXX ) in XXXX 2016 and now is re-appearing on my credit file for XXXX after deletion. I faxed in all proof to XXXX XXXX XXXX and disputed inaccuracy with Butter Business Bureau and Consumer Finance Protection Bureau. The company has refused to delete this from my credit file. This account is being paid under XXXX XXXX XXXX XXXX which reflects on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I applied for a Wells Fargo Active Cash credit card today ( XX/XX/21 ) with the intent of maximize the current {$200.00} back on {$1000.00} spend promotion. After completing the application, I received an email notification stating that I was approved for the Wells Fargo Platinum Card ( not the card I applied for ). After spending 52 minutes on the phone, the 6 Wells Fargo representatives I spoke with told me that they were : 1. Not able to make the correction to the application ( from " Platinum '' to " Active Cash '' 2. Would not be able to take any further action until an " investigation '' was completed 3. Would not be able to close the Platinum Credit Card, that I did not apply for Either through deceptive practices or system errors, I was approved for a credit card that I did not apply for. Wells Fargo is not allowing me to close the account even thought it was created fraudulently.

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 2017-07-01
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:
I went to  one dealership and asked them to talk to one ban k about doing a car loan. This dealership and tried to get deal approved with other banks which I did not authorize them to do.        
Bank  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Resurgent Capital Services L.P.
State: NJ
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:
This is not my debt ... Account was never verified ... They refuse to take it off. I was XXXX XXXX when the account opened.. I like to dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: GOLDMAN SACHS BANK USA
State: IL
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 was interested in applying for the new XXXX XXXX issued by Goldman Sachs Bank but it is restricted to just allowing XXXX XXXX or higher users to even apply. I would think that this general purpose card is using the requirement that applicant 's have not only a specific product brand but only the more recent versions is in fact a type of redlining. They do not seem to have a way for anyone interested to apply for credit ( maybe after getting the card a consumer would then want to purchase an XXXX XXXX. Application is also not supported by individuals that may have any number of other XXXX products except the XXXX. 

If this was a store card only accepted at XXXX or only able to be used in the XXXX wallet as XXXX Pay then it might be different but they offer a physical card to use anywhere. 

This just feels like a modern version of redlining as XXXX owners skew to a higher socio-economic level.

Company response to consumer: Closed with explanation