BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Per your earlier brush-offs - you state that inquires are a matter of record for every time I applied for credit.  HEY   XXXX ! I did n't apply for any credit for all the inquiries that I have been disputing for over 2 years!!!  <P/>  HELLO????  Why should I have to contact all  XXXX  creditors regarding something I did NOT apply for, that someone else has attempted to open???? HELLLOOOOOOO?????  <P/> DELETE THE INQUIRIES - I DID NOT APPLY FOR THE CREDIT - WHETHER IT 'S A CREDIT CARD, A LOAN, A CAR = NOTHING!!!  <P/> I AM NOT DOING YOUR JOB! THIS WERE FRAUD PLAIN AND SIMPLE!!!!!!!!!!!!!!!!!!!!!!!!!  <P/> CFPB - You guys are a joke! You have n't helped me at all.   I did NOT apply for these items, I want all inquires REMOVED - these are FRAUD!!!!   HELLLOOO!!!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
To whom this may concern, Thank you for taking this case. I reached out to the Michigan governor 's office and they forwarded your number so I want to start by saying thank you. 

Earlier this month, I submitted a dispute on XX/XX/XXXX for multiple unauthorized transactions on my account. I recently had another dispute open for the same thing. Originally I thought that my credit card had been lost and stolen, which it was, so I ordered a new one, but when the next batch of unauthorized charges came in, I knew something was wrong. 

I reached out to the bank on XX/XX/XXXX and immediately disputed the transactions. The transactions were roughly {$6900.00}, there was another dispute open for charges around {$2700.00}, which were unauthorized. I received a letter stating that the charges were valid without any explanation behind why they were valid, I explained to them that a family member who had been in my home had used my card without authorization. A fifth third told me that they would help me out, they said they would issue me a temporary credit, which they never did, and that they would help me get to the bottom of it. 

A few days later, the bank called me and told me they were closing my account without cause. I had a separate account that was also jeopardized by the same family member, there were some withdrawals and deposits in the account, the deposits were roughly {$1800.00}, I disputed the deposits including the withdrawals, they took away the credits totaling {$1800.00} and also gave back the additional money that was unauthorized. I don't understand if they say the charges are valid, why would they also return the deposits that I disputed? 

The person responsible for the unauthorized charges admitted to it and I also provided that information to the bank. Upon doing my own research, the accounts that were used to make the unauthorized charges were in a completely different name and not my own. The changes made to the account were also charges to places that I had not been to which I had also told the bank. 

I am reaching out to you guys because I do not feel the bank handled this situation accordingly, I believe they completely threw the case out and also force closed my account, then sent me a statement saying that the charges were valid. They didn't do any investigation, they never called me, they did not contact the person who was responsible, and they made no attempt to credit my account, only to completely freeze it, making it negative XXXX XXXX dollars in total for both accounts and then close it so that I couldn't do anything with it. They also completely blocked my access to be able to log into the accounts online. 

I know that this is a bit long but I wanted to provide as many details as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF PERSONALLY. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNT AND INQUIRY DOES NOT RELATE TO ANY TRANSACTION THAT WAS MADE BY 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 2022-02-23
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2017-05-31
Company: Global Credit & Collection Corporation
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My mother and I have been receiving repeated phone calls from a debt collection agency.     When they first called me, they were looking for my mother. Then they called her and told her they were looking for me. When I called them, they wanted me to provide my social security number and date of birth, which I refused to do.     They claim that there 's a " personal business matter '' that they can not discuss without my divulging the personal information.     The company is calle d Global Credit  and Collections. They called from  XXXX .  <P/> My credit is clean. No collector should be contacting me about any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I went to XXXX XX/XX/XXXX to purchase my second vehicle. I filled out an online application and specifically said in the comments section, I only wanted my credit ran with the company that I previously used during my last car purchase. I repeatedly told the car dealer I did not want my credit ran more than one time only. After getting the call that I was denied, I viewed my credit report and saw that they had ran my credit over 5 times. During further investigation I found out my last car purchase there back in XX/XX/XXXX, they ran my credit 10 or more times against my wishes. I repeatedly called the car dealership and still have not received a response from the general manager. So I called corporate and still have not received any call back. I contacted the companies they ran my credit with, and I was advised to file a complaint. I even sent a certified letter to the dealership, and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
EXPERIAN HAS PLACED THE FOLLOWING CONSUMER STATEMENT ON MY FILE AND I NEED IT REMOVED XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 


THIS IS A BOGUS STATEMENT PLACED BY THIS COMPANY WITHOUT MY PERMISSION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX KEEPS PUTTING " FAKE, FRAUDULENT AND INCORRECT '' STATEMENTS ON ACCOUNTS THAT ON ARE ON MY CREDIT REPORT AND I AM SICK AND TIRED OF THEM DOING THIS. BY THEM PUTTING THESE STATEMENTS ON MY CREDIT REPORT WITHOUT MY PERMISSION THEY ARE IN VIOLATION OF THE FCRA AND ARE HARMING MY ABILITY TO GET A MORTGAGE. 

THE FOLLOWING STATEMENT " CONSUMER DISPUTES-REINVIESTIGATION IN PROCESS, CONSUMER DISAGREES '' ARE ILLEGAL STATEMENTS ON THE FOLLOWING CLOSED ACCOUNTS. 

1. XXXX 2. XXXX XXXX 3.XXXX 4. XXXX 5.XXXX XXXX ACCOUNTS 6. XXXX CARD I HAVE NEVER DISPUTED THESE ACCOUNTS AS THEY ARE CLOSED AT MY REQUEST AND HAVE POSITIVE PAYMENTS BEING MADE. WHY WOULD I DISPUTE THEM. I BELIEVE XXXX HAS PUT THESE ILLEGAL STATEMENTS ON MY FILE TO HARM ME DUE TO OTHER COMPLAINTS THAT I HAVE SUBMITTED IN THE PAST. 

EXPERIAN HAS DONE THE SAME THING TO THE XXXX XXXX ACCOUNTS THAT ARE BEING REPORTED. I DEMAND THEIR NEGATIVE STATEMENT 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 2021-11-26
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I was told I had to wait 180 days for my balance to available to withdraw. It has been over 180 days and PayPal will not email me back theyre message center always says try back durning business hours even though it is well within business hours. I have called and been placed on hold for over an hour and then hung up on. All I want is my balance sent to my bank and then be done with PayPal forever this is the most ridiculous thing I have ever been through for my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Stellantis Financial Services US Corp.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
In XX/XX/XXXX I was asked to be put on the fresh start program due to laid off due to work decline from COVID affecting the company I work. After being placed on the program I was informed by first investor financial that I wouldnt have a payment due until XX/XX/XXXX. I made payment arrangements to pay XXXX at the end of XXXX. I received a email from first financial on XX/XX/XXXX to contact them because my car may be up for repro referral. My car was repossessed at the same time I received this email not giving me time to resolved the issue at hand. The car was repossessed on XX/XX/XXXX. I was also told that my car was scheduled to be repossessed since XXXX XXXX. First investor financial took and processed a payment for me on XX/XX/XXXX and then told me on XX/XX/XXXX that they cant take payments from me since my car was repossessed after already taking a payment from me on XX/XX/XXXX. I was informed by a first investor financial collection at the end of XX/XX/XXXX that I was in fact in the fresh start program and didnt have a payment due until XXXX and another in 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 2022-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete the following ACCOUNT from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony Bank from Amazon has been calling me repeatedly throughout the day in attempt to collect debt. I have already set up incremental payments to them for the debt I owe. I pay them through electronic check. They continually call me from what shows up as " unknown '' constantly through the day AND they call me while I am at work. I told them if they do n't stop, I will report them. These constant calls have not stopped.

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 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello A transfer was made to a non-existent or closed XXXX account which was linked to my Capital One savings account in error. I submitted multiple requests to reverse this ACH transfer at both XXXX and Capital One, but no one has been able or willing to assist. Full details of the transaction are below for reference : XXXX Account Number : XXXX XXXX Routing Number : XXXX ACH Trace Number : XXXX Capital One Originating Account Number : XXXX Capital One Originating Routing Number : XXXX ACH Date : XX/XX/2022 Amount : {$67000.00} Capital One has confirmed these transaction details but XXXX has been unable to locate the transfer through any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I spoke to Ally in XX/XX/2019 about receiving XXXX benefits under the Ohio Revised Code. I was told it would not be an issue and was given a list of documents to send either fax or by mail. I sent all the required documents certified mail that was received on XXXX XX/XX/2019 by Ally and I have yet to receive any correspondence on the status of my benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
Me and my wife have been Bank of America customers for over 25 years and have maintained both checking and savings accounts with the bank. Throughout this period our loan applications were either denied or not even responded to despite our proof of income and excellent credit ratings. 
We have never been able to successfully get a loan with the bank, despite the relationship and yet we could get loans from other banks that we have little or no relationship

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 2020-10-06
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I checked my credit report and I noticed some inconsistent and inaccurate information on my credit report I then proceeded to contact the credit reporting agency to correct the inconsistent and inaccurate information but they did not fix the information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Account status incorrect

Complaint:
My student loan account for XXXX XXXX is showing multiple late payments when it shouldn't. I sent all 3 credit bureaus proof of all my forbearance dates and they are still reporting late. There should be no late payments on this account at all.

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 2022-07-05
Company: Navient Solutions, LLC.
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 status incorrect

Complaint:
I have tried for months now, via disputes with credit bureaus, emails to Navient, and more... they have not only marked my payments as late for XXXX of the months since there has been a moratorium on student loan payments, interest, and collections due to covid but also tacked interest on to the account! I'm already on the winning end of a class action suit against them for their failure to provide viable repayment options before this, but now, I'd love to start a new one over this. 

My credit score is PERFECT with the exception of the lies these people refuse to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-25
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
PNC bank is a predatory lender. They have just entered XXXX/XXXX/16 as the date reported on my credit report. This is incorrect and needs to be fixed. I have no accounts with PNC have NOT been with them for at least 6 years. PNC has not and is not an honest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received no notice of debt owed. The only way I found out about the collection was through an alert from the XXXX XXXX app on my phone. I received no phone calls, emails or mail from this company, yet they are reporting an account that I had with them. When I initially disputed this through the credit bureau, the account was simply updated to paid, but I never paid them directly. When I called for more information, they said that I should reach out to the original creditor, but it made no sense because it shows that I have an account with them that was. Even after requesting information in writing, I've received nothing.

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 2022-02-23
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: Account information incorrect

Complaint:
I closely monitor my credit score through Experian. My credit score has dropped by a total of XXXX points in the past 2 months. This is in spite of the fact that I have no late payments reported, and the fact that my balance overall across all accounts is the lowest it has been in over 30 years. In fact, several of my accounts are at a zero balance. I have contacted Experian, but have been unable to get any explanation as to why this is happening. They basically told me that they had no way of answering the question.

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