BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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:
There seems to be an error on my consumer report furnished by XXXX XXXX XXXX XXXX On my consumer report, there is a late payment reported which is causing damages to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any of the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and Congress has stated there shouldn't be any late payments? Is XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt out or limit sharing of my credit worthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is defined as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX has been accepting from me for the past years if under United States Code it is defined as commercial development of oil, natural gas, or minerals? Is there a yield of the investment on the account that's due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my person 's consumer reports needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be returned back 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 2020-03-19
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I got hit with 2 hard pulls was sent to my email from XXXX at XXXX. I called XXXX XXXX when I saw the emails. As this was never authorized by me. They told me that someone tried to apply for a XXXX  and a XXXX   card i believe were the 2 cards. I did not authorize these or any cards on said date. The customer service rep told me they would remove inquiry 's but I just wouldn't to make sure here this happens since I am on XXXX   and it is showing inquiry. They had said to me I would get a letter in mail stating that this would come off any credit reports.

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the Bankruptcy that is showing cleary has the wrong address that is my address that is not mine ad need to be removed,

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: 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 non-monetary relief
Consumer complaint received 2023-07-25
Company: CITIBANK, N.A.
State: NC
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:
XX/XX/2023 for XXXX at time XXXX. 
Police report XXXX with XXXX XXXX XXXX XXXX, NC Informed Citi Bank of fraud and informed Best Buy. I fear this charge will not be removed from my card. I did not make this instore purchase and have requested XXXX retrieve footage at time of purchase but am being told they will not release the footage. Please assit me with this request or to ensure all measures are being taken to resolve this fraud.

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 2022-03-18
Company: BARCLAYS BANK DELAWARE
State: MD
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:
Material Fraud - Paid to XXXX, XXXX on XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$12000.00}, XX/XX/2021 - {$7500.00}. 

The XXXX was paid in full but never showed up to complete the assignment/job. 
On or around XX/XX/2021, XXXX provided us with a tailored slide deck to describe their services and capabilities to XXXX XXXX XXXX and what they would deliver, namely a fully fleshed out Financial Model, Business Plan, and Investor Presentation, with followup Revision Cycles to bring their draft deliverables to a final. 

XXXX timeline was slipping but we kept working with them in good faith. 

Repeated failure by XXXX team members to even show up to meetings that XXXX planned and scheduled with XXXX XXXX ; Failure to provide a semblance of a PPA over the preceding months and months of nondelivery ; Repeated failure by XXXX team members to return increasingly urgent calls, emails and texts from XXXX XXXX trying to get answers as to why the draft document was completely missing a huge part of the core business plan related to the PPA and numerous technical details Failure to provide any final documents within the agreed timeframe and further failure to provide any useful and complete deliverables at all, immediately after our final payment. 

XXXX and Barclay the merchant was unwilling to work with me to resolve the problem or if you can't come to a compromise with the merchant that leaves you satisfied, the Fair Credit Billing Act and federal law do give you the right to dispute charges for transactions that you're dissatisfied with. I sent in the documentation, but they said they never got the documentation, but I have physical copy of the letter head document outlining the follow attachment below.

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 2022-10-03
Company: Experian Information Solutions Inc.
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:
This is my numerous attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because an identity theft. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/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 2022-03-18
Company: Experian Information Solutions 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:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2020

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 2022-03-18
Company: The Aligned Company DBA Extra
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I received an alert on my credit of an account registered on it. I did not recognize it and alerted the company of the card. They told me they are close the account but hasn't. In XX/XX/XXXX the account was open with EXTRA XXXX, I immediately told the company its not my account and I want it cleared of my credit. They told me they would. But as off XX/XX/XXXX the account is still on my credit and it has not closed. The company does not answer its phones and all calls goes to a voicemail. XXXX XXXX has ask me to file a complain to clear my name and get this account closed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Finance of America Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I entered into an agreement with XXXX Mortgage to refinance my home at an interest rate of 3.625 %, and they were going to provide me with a {$2200.00} credit. An issue occurred with the appraisal they ordered, and an appraiser was not sent out for three weeks later than originally intended. I spoke with individual who sold me the product XXXX XXXX XXXX XXXX who informed me that as a result of the delay, a rate lock extension would be required, but because I was not at fault that XXXX would incur that cost and it would not be passed along to me. A new Good Faith Estimate was sent to me to confirm the rate lock extension, but this document indicated that the lender credit had been reduced because of the cost of the rate lock extension. I immediately asked my loan processor ( XXXX XXXX XXXX who advised me not to worry, and to sign the document for the sake of time, and the credit would be restored at a later date. XXXX more extensions were later required and I had the same concerns when the documents sent to me to sign, indicating that I would be paying, and each time I was given the same explanation as the first time. I sent XXXX emails in an attempt to confirm the original {$2200.00} credit, and although both XXXX and XXXX confirmed with me over the phone, they never responded to my emails, despite sending me other communications via email. Then, XXXX days before closing I was told that the absolute best they could do was provide a credit of XXXX {$1000.00}, and the justification was I could n't get a better deal elsewhere ( because interest rates had risen significantly XXXX and XXXX was not at fault, and the third party appraisal company was at fault. However, neither of those justifications hold any bearing, it is unethical to change the terms of an agreement last minute based upon market changes. I signed and closed on the deal because it was true, I could n't get a better price elsewhere after months had passed and interest rates had risen, but that does not make it okay to essentially lie and steal from customers. As for XXXX not being at fault, if that was the case, they should not have told me throughout the process that they were going to incur the cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All three credit reporting agencies show a high balance of {$9400.00} on my closed Bank of America credit card account and a credit limit of {$6500.00}. The credit limit is correct but the high balance didn't look right to me. I contacted Bank of America and they confirmed via phone that the high balance is incorrect because they only show two statements from XXXX and XXXX of XXXX, the highest balance being {$50.00}. They mailed me copies of both statements and I verified that the highest balance between both statements is {$50.00}. I filed disputes with the credit reporting agencies and they came back saying that Bank of America verified that what is on the report, including the {$9400.00} high balance, is correct. I called Bank of America again and this time they launched an investigation. I received a letter from Bank of America dated XX/XX/XXXX saying their review determined that they accurately reported to the consumer credit reporting agencies and consider my dispute resolved. It is not resolved. If they claim they're reporting accurately, then why could they only send me two statements from XXXX for this account, neither of which carries a balance greater than {$50.00}?

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 2016-09-21
Company: Lustig, Glaser & Wilson, P.C.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A judgement was issued against me in the amount of {$9400.00}. 
I made contact with the debt collection company and came to a payment agreement of {$200.00} per month. To date I have paid {$1200.00} and have records of all checks. They indicate that my balance is now {$8900.00}. This implies that they have put {$480.00} toward the debt. I have documentation including bank records and receipts from the collector from all payments. The initial agreement nor the court documents make any mention of interest or anything similar, especially at a percentage rate that seems to work out to over 50 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
At the presentation of the Loan Agreement  for financing  roofing work with Lowe's Advantage Loan the Salesman XXXX XXXX showed me in paper my monthly payment. The monthly payment showed $XXXX per month. That was in XX/XX/XXXX. Later in XX/XX/XXXX, I get an invoice for monthly payment of $XXXX. I immediately contacted XXXX XXXX and asked why such huge increase. He called be back and said " Next month and going forward your monthly payment will be restored to $XXXX per month and you will get credit for the excess payment".  Well since then, no adjustment had been paid despite my communication with XXXX and Synchrony Bank which actually financed the Loan.  I want Synchrony Bank/Lowes to roll back to the initial payment arrangement Presented by Salesman XXXX XXXX.  I am sure these companies have misrepresented and cheated several consumers by presenting False documents at Presentation and Later changed the interest rate to Rip Off Consumer s.  I talked and text XXXX several times with no response. I also e-mailed to Synchrony Bank with no response.My second complaint is; The Gutter and Downspout fell during the Storm. I contacted Lowes and XXXX to fix the fallen Down Spout.  No response neither one.  I had to pay a Vendor to fix the issue.I request CFPB to restore the monthly payment to $XXXX per month and issue me credit for the over payment of $XXXX per month since XX/XX/XXXX. I will also file a Civil Suit with The XXXX XXXX County Court at XXXX XXXX , MD.Several Consumers have been coned / lied/ cheated by Lowe's and  Synchrony Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: FL
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:
XX/XX/20 Ordered Printer for Step Daughter as tool for XXXX XXXX XXXX {$440.00} XX/XX/20 Step daughter email exchange ending in agreement with Seller to return printer for refund less restocking fee of {$130.00} ( 30 % ) for a refund of {$300.00}. CC still billing me for full amount of a printer that the seller has?? 

XX/XX/20 Printer returned as agreed XXXX track # XXXX proof retuned, please check yourself I just did again and it shows he signed for printer.

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 2022-03-18
Company: Upgrade, 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: Account information incorrect

Complaint:
Upgrade reported XXXX late payments in 2020 in error. They acknowledged the error ( eventually ) and posted a correction. But later Upgrade re-reported the late payments. Again I disputed, and they corrected. This cycle now won't stop. Each time they report the incorrect late payments my XXXX score plummets. The cyclical nature of this has kept my score low for two years, negatively impacting my costs with insurance, rent, credit card rates, loan rates, and more. 
XXXX continues to accept the errant reports, even though they know this data is inaccurate. XXXX acknowledges on the phone that they can see this cycle, but won't take any steps to help me correct the problem, including the simple step of sending to me in writing that they are reporting what Upgrade keeps sending them. 
Upgrade insists that they have corrected the problem, and will not continue to address/correct the issue. They no longe answer my calls or respond to email inquiries to escalate this problem to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Byrider Franchising, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint:
My car has been in and out the shop for repairs Im paying every two weeks I dont feel Im getting my moneys worth out of my car Im having to pay people to take my husband back and forth to work havent had the car thirty days its not far Im out of more money and youll are winning Im trying not to file a lemon law on this vehicle. I have even ask them to let me trade out the car and Im not getting any response

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: WV
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:
Equifax can not explain to me why my credit score has decreased. I use XXXX XXXX and my Equifax score is significantly lower than XXXX ( XXXX points lower ) and XXXX ( XXXX points lower ). On XX/XX/22 Equifax reported a XXXX point decrease from XX/XX/22 and per the XXXX XXXX 's credit report for Equifax the XXXX changes on my report were that XXXX of my accounts had a balance decrease. I spoke with an agent at CFPB and they informed that I should contact Equifax directly prior to filing a complaint with your agency. I got a free copy of my credit report from Equifax which has the exact same score as XXXX XXXX. I spoke with an Equifax agent and asked for justification of the decrease. He attempted to give me a lesson on credit. I told him I had a pretty good understanding of how credit works I just needed to know what changed in my credit to cause a decrease of XXXX points in my credit score. I told him that I have not used any of my credit cards in the last month to increase my balances, no late or missed payments, no new credits applications so to my understanding of how credit works my score at the very least could have only stayed the same but by the other 2 agencies my score had actually increased for the reason that balances were paid down. He attempted to tell me the same thing. I asked for the call to be escalated to a supervisor who attempted to tell me the same thing. I was told they did not know what my score was on XX/XX/22 and could not tell me why it decreased XXXX points. I would think if a company has so much power over something so important and critical to consumers today they must be held liable to justify the reasons for their actions.

Company response to consumer: Closed with explanation