BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-31
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Was applying for a car loan. XXXX XXXX  was one of the companies applied for. They denied me due to a credit report they had with Sage Stream. Never heard of them or used their services. Decision was mailed by XX/XX/2020. Score was extremely low. Feel that impacted XXXX 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have opened a checking account in XX/XX/2022 from Citizen banks online promotion for a requirement of {$500.00} direct deposit within 60 days. I have met my requirements and expecting the promotion bonus to be added in my account. I have contacted the customer service in XXXX and told it will be granted in XXXX. However, I waited till XX/XX/2022 but still don't see the bonus come to my account, so I called again on XX/XX/2022. One representative answered my call, and put me on hold for more than 20 mins while I can hear him chatting with someone else, which raise up a concern that he does nothing just putting client on hold? Then he dropped my phone. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-12
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I asked XXXX to come to my house and install a landline. A representative came but he had a hard time finding outlets ( I think - maybe the problem was different ). The costs were also unclear to me. I told him not to install anything - that I did not want their service. The serviceman was very nice and cooperative. He agreed. He left. Then I began getting bills from XXXX XXXX XXXX for {$100.00} for service. I never had a phone from them. Never had a phone number that could even have been used. I called XXXX and spent hours on the phone. I was told that I did not owe them anything and that it had been taken care of - not to worry about it. I received another bill and repeated that process again - called - spent hours on the phone and they said it was taken care of. I received yet another bill and repeated the process AGAIN. I was also told not to worry and to ignore any further bills because it takes a while for information to move around the company. I just received a phone call from a debt collector : Diversified Consultants. XXXX I am being hounded by XXXX XXXX XXXX and it is THEIR mistake - not mine. I never received any service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I signed up for and was approved for an HSBC 'Premier ' checking account and the terms of this account stated that HSBC would provide a {$750.00} bonus. HSBC is refusing to pay the bonus even though I fulfilled all the terms per their terms and conditions.

The bonus terms required that I make at least {$5000.00} in direct deposits per month for 3 consecutive months beginning the 2nd month after account opening. I qualified for the bonus by fulfilling the following direct deposits sent from my employer : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} XX/XX/XXXX : {$3600.00} I then waited 8 weeks from XX/XX/XXXX which concluded end of XX/XX/XXXX. I have followed up with HSBC 8 times via secure message and 3 times via the phone and almost every time the representative says that they need to send the issue to a separate team to investigate. However, on the attached message from XX/XX/XXXX the representative agrees that I did qualify. I still have not received the bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I bank with Bank of America and have XXXX through the mobile app. My account was hacked and someone attempted XXXX seperate transactions through XXXX to another party ( $ XXXX $ XXXX {$500.00} ). Only one transaction went through, {$350.00}, and the other XXXX were stopped. I filed a complaint to Bank of America and after 10 days they concluded there was nothing to be done as it appeared that the transaction had come from my device/account even though I was hacked and declined the XXXX {$500.00} charges when the text was sent to my phone asking if I authorized.

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 2020-04-01
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I'm filing a compliant due to the Federal Reg that a company is required to notify the consumer about a decrease credit limit on their acct. I paid my acct in full on XXXX XXXX and the account limit was XXXX ; however, I logged onto the account on XX/XX/2020 and discovered that my credit had been decreased to XXXX. I have called to get in touch with customer service but stayed on hold for 45 minutes and called dropped. Im currently dealing with ramification of the corona virus and this is real sad that Macy 's just dropped my limit without sending me notification within 30-45 days of the change as well as effecting my credit score to decrease dramatically.

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 2015-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a XXXX XXXX person and has put my life in serious jeopardy. I filed a complaint with my BBB and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. 
Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. 
Dear CFPB, there is a item that appears on my credit reports as a charge off/ bad debt. It is a XXXX XXXX Credit XXXX debt. It is being reported as settled. This company has not provided for me validation of the debt and the CRA 's have continued to report this information on my credit file without the furnisher of the information validating it 's authenticity that I, XXXX XXXX owes any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: CA
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:
Hi, On  XX/XX/XXXX , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ) ,  XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  XX/XX/XXXX , I sent letters to each credit burea u (   XXXX , Experian and  XXXX  ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's  Cardmember agreement-   XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  XX/XX/XXXX , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.

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 2017-05-23
Company: ALLY FINANCIAL INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
i contacted Ally Financial to get information on the payoff and release of title once it 's been paid off to be sure that I would not have any issues shipping the Vehicle to  XXXX   XXXX  since I am moving on  XXXX   XXXX   XXXX  the vehicle needed to be registered with the port to be ready for Transport on  XXXX / XXXX /  XXXX  . The customer representative assured me there would be no issue because the titles are electronic. I paid the vehicle off and the money left my account on  XXXX / XXXX /  XXXX  . I went to motor vehicle and they advised me I still did not own the vehicle that there was still a lien on it. So i contacted Ally and they decided to then advise me that the lien would be there till  XXXX / XXXX /  XXXX  . That would be a Sunday so I would have to give motor vehicle  XXXX  to  XXXX  hrs to be able to give me the title for a vehicle to which they have already been paid. They also had the audacity to tell me I technically did n't own the vehicle even though they received the payoff for this vehicle. So I handed a financial institution over  XXXX   XXXX  dollars and they decide when I will legally own the vehicle which is everything I was trying to avoid seeing as I am in the middle of a large move with  XXXX  young kids. I may even have to pay to change all the plane tickets then pay extra for the hotel i am staying at and also change the closing date of the home we are purchasing in  XXXX   XXXX  all due t o Ally Financial n ot wanting to release the lean on the vehicle that I paid them. I could have easily voluntarily given them the vehicle and paid for another mini van cash and have no issues but that would have affected my credit negatively, even though this option would have probably cost me less and been less hassle. No matter how many questions are asked, I feel that no one would have told me the exact details just to get their money. No one should have to go through any of this and I feel like if I ever purchase another vehicle in the future this would be a question i would need to ask the bank although I may not get a straight answer. Customer service reps as well as sales agents should be required by law to describe such fine details as to prevent such things from happening and stronger laws should be in place to protect things as such from happening. No matter whom I spoke with at  Ally Financial n o one was even willing to show proof of title release or that I even paid the full amount. Not to mention when I log in online it shows I need to make a payment in  XXXX , even thought the balance is zero.

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 2019-12-02
Company: U.S. BANCORP
State: OK
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 used to have 2 account with Elan Financial however the accounts were sent to collections back in XX/XX/XXXX. I worked with a debt consolidation company who worked out an agreement to settle both accounts for me on XX/XX/XXXX. The payment was made however if you look at my credit report it shows that I have failed to pay the balance since XX/XX/XXXX even though the account was settled. I have the document showing that it was taken care of 2 years ago but it is still showing for all 3 credit companies.

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 2022-09-08
Company: EQUIFAX, INC.
State: TN
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 bought my first car in 2019 after the fact I had some issues with them pulling my credit using my social security number and I had to have my dad cosign. A few months after I got a call from a lady who thought I was using her credit as fraud. That however was not the case my social and her social are one digit off our birthdays are about two weeks apart born the same year and both of our names are identical other than middle names, so I believe we have a file mix up. After multiple failed attempts to contact all the credit bureaus to get access to my credit report I could not access because the information is combined. I was informed by the bureaus to mail in a letter with an explanation on the issues and a copy of my social and id. I did that and only got two bureaus to respond and all they sent me were my credit reports which showed me that the social on my accounts was not mine, but it was my name it also had the other lady 's name on my credit report the addresses were also mixed up. I have multiple debts on my credit report that are NOT mine there is also multiple applications for things I have never applied for. It also shows student loan and a home mortgage it is a complete mess and as I said above, I have been in contact to all the bureaus and none of them have offered any assistance on helping get the files separated I do not have access to any online credit reports to even go dispute things because I can't verify information that's connected to my social because it's the other womans information. I am very upset that the bureaus have not taken this issue more seriously I can not get approved for anything I apply for I can't own a home or even get a student loan if I wanted to this issue needs to be resolved asap, I have tried multiple attempts to fix the issue myself and have just been sent in circles.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: SYNCHRONY FINANCIAL
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:
XX/XX/XXXX I mailed letters to several companys and havent seen any change it has also been pass 30 days and should be removed from my credit report Im very unset with the reporting.

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 2020-03-31
Company: EQUIFAX, INC.
State: AR
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 several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am receiving derogatory remarks on my credit score and credit report from an account in collections from a company I do not owe for {$140.00}. I have not received any calls about the amount due nor was I served any paperwork from this company. Its weighing down my credit score and I would like to resolve the issue as it is effecting me negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: U.S. BANCORP
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
in referenc e to [ Case nu mber :  XXXX   ] US Bank Home  Mortgage response, they sent home loan history but they shrunk the font so small it 's unreadable from start of loan  XXXX  through  XXXX . Then they increased font to a readable font size when they sent  XXXX , but they did not include loan information up to date of all payments before and during chapter  XXXX  showing every payment applied from consumer and court deducting every amount and showing principal balance after each payment applied.     Also, we are paying a mortgage loan to  US Bank Home Mortgage and they are refusing to report our mortgage payments to the credit bureau, therefore we can not get a accurate credit report showing payments to a financial institution, such as US Bank Home Mortgage for loan information.

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 2016-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent a dispute to Transunion XX/XX/2016. They received it on XXXX XXXX, and I 've yet to receive the results. The results were due back to me on XXXX XXXX and they did not arrive. Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) the credit reporting agency must delete the disputed information. Attached you will find the disputes in question, and the proof of delivery.

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 2020-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.

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 2020-03-31
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sunrise credit services sent me a letter attempting to collect a debt on XX/XX/XXXX on behalf of XXXX XXXX  I have told them on many occasions to cease and desist. 


I filed a complaint with cfpb on XX/XX/XXXX, Complaint ID XXXX-XXXX, over their attempt to collect on the same debt.

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 2019-12-02
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: Information belongs to someone else

Complaint:
all the credit bureaus reported XXXX XXXX which I never received or signed anything with. I never had a XXXX phone either. This is illegal and want this removed. Im in the middle of buying a home and this popped up. They where really rude. They said we can do whatever we want because its the law. I said its not. Im really stressed can you help me. I never had a XXXX phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: EQUIFAX, INC.
State: CA
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:
Hi, On  X/XX/27 , I submitted complaint  XXXX  against  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   ) i n regards to unauthorized credit card charges  XXXX  was attempting to collect.     Even though this dispute is ongoing and still under review by  XXXX   ( and now CFPB ),   XXXX  has continued to assign late charges to this account and notify each credit bureau that I am " delinquent '' in repaying.     On  X/XX/27 , I sent letters to each credit burea u (   XXXX ,   XXXX   and Equifax ) with documentation of the dispute and status. As per the Terms and Conditions of  XXXX  's Cardmember agreement-  XXXX  can not not notify any credit bureau that an account is " delinquent '' if those charges are being disputed.     I have received correspondence back from each credit bureau that they have requested additional information from  XXXX  and have placed " fraud alerts '' on my credit report- however,  XXXX  continues to report my account as delinquent and the credit bureaus have not removed this detail.     As of  X/XX/17 , my credit reports reflect this disputed account as 60 days past due, and my credit score has been dramatically reduced. Also- I 'm not sure how my phone number was released or sold, but I 'm now receiving " credit help '' calls which I have to block.

Company response to consumer: Closed with explanation