BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
From XXXX XXXX to the present, Synchrony Bank has been calling my cell number from XXXX times per day, as early as XXXX XXXX. After the phone call they send a text. I do not have a balance with this bank. My account was paid off in early XXXX XXXX. Multiple calls have been placed to request that they cease their advertising or marketing tactics without success. When I call their XXXX number back, it takes me directly to their automated system which indicates I have a zero balance They need to be regulared and fined.

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 2021-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hello, Under the U.S Code 1681b title 15 permisable purposes of consumer, I never given you any written consent to report anything on my consumer. 

No where in federal law is it written that a debt collector or consumer reporting agency msut report any information to a consumer report regarding a consumer EXCEPT under the written instructions of the consumer, and I XXXX XXXX, the consumer, did not give no consumer reporting agency or debt collector any type of a written instructions. 

By law the following alleged accounts must be deleted immediately since they are in fact a violation to me as a consumer and any name or address that does not reflect my actual name XXXX XXXX XXXX and my place of abode, XXXX XXXX XXXX, XXXX, PA, XXXX must be deleted immediately. 

CHAPTER XXXX BANKRUPTCY : BANKRUPTCY Acct. # XXXX XXXX  XXXX XXXX Acct. # 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 2017-10-17
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:
My wife and I were looking to purchase a new home and submitted an application for pre-approval. When our Real Estate Agent advised me that I had some collections I needed to pay off, I was confused because I have never ever used my credit for anything ever. I have always paid cash for everything I have ever had or my wife puts everything in her name. I looked at the report and reviewed it and noticed that there were items that belong to my father, XXXX XXXX XXXX, reporting on my credit report. I submitted request on XX/XX/XXXX to XXXX, XXXX, and TransUnion to advise them that they were reporting my father 's credit collections on my credit report and asked them to remove them. All 3 credit bureaus indicated that they were completing an investigation. XXXX removed all of the items after their investigation, XXXX  removed only 2 of the 4 items, and TransUnion removed 2 of the 4 items as well. I am scratching my head as to why XXXX and TransUnion only removed 2 items and not all 4 because none of them belong to me. I sent in a written request to XXXX  and TransUnion on XX/XX/XXXX advising them again that they reporting was incorrect and violating my rights under the Fair Credit Reporting Act and also provided them with the finding of XXXX. I also requested that they send me copies of the information the claim to have received to verify that the collection items belonged to me because I knew that there was no investigation done that verified debts that do not belong to me as valid. They have stopped replying after my 2nd attempt.

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 2017-06-27
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Myself and my business were devastated after the federal flood disaster in XXXX. My business was forced to nearly close it 's doors, and my personal finances were completely liquidated. We were unable to catch back up and missed payments up to the time I returned my vehicle at the end of XXXX. I attempted several times to ask for deferred payments during the disaster and they denied all request. I asked to settle the matter and the denied the request. This company is Chrysler Captial www.chryslercapital.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Santander Bank has been served a copy of my federal complaint under the Recovery Act. Santander has failed to respond to United States District Court for the   XXXX   XXXX  Pennsylvania  Court  Order.  Santander Bank  has not settle civil action number  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Wells Fargo account for XXXX XXXX with a 0 % financing offer for 60 months. I have regularly been making the minimum payment only since I want to take advantage of the 0 % financing offer. I had a due date of XX/XX/XXXX and called in on XX/XX/XXXX to make the minimum payment through Wells Fargo 's phone channel. I was successful in making the payment and received a confirmation number. I then received an automated email on XX/XX/XXXX with the header : " Due today : We haven't received your credit card payment '' alerting me that there was no payment received. When I called back into the automated number on my statement, I did not have any pending or posted payments from the XX/XX/XXXX payment and so I made another minimum payment to make sure I paid my bill on time. Both of these payments were deducted and I have received my latest statement with the XX/XX/XXXX payment dated that day for both transaction and posting and the XX/XX/XXXX payment which means I was forced to overpay to Wells Fargo because there system did not capture my XX/XX/XXXX payment. I did not want to prepay this account since I want to take advantage of the 0 % financing offer and have the payments spread over 60 months. I feel that I was deceived by Wells Fargo to prepay my account faster.

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 2022-06-12
Company: Experian Information Solutions Inc.
State: SC
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, the following are currently in violation of 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. 

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 EXPERIAN 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 EXPERIAN 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 2020-04-24
Company: EQUIFAX, 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:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts that I disputed. Being that they have passed the initial thirty day mark, and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA, they are required to .... " Promptly delete all information which that can not be verified '', that I have disputed. Please resolve this matter as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never dealt with these creditors in the past. I don't know who they are nor did business with these companies.. I contacted to address the issue but all they sent is a paper trail showing the accounts and that it has been verified. Insufficient information. I requested Method of Verification - evidence such as name, address and telephone number they contacted from the original creditor but they failed. That tells me that this is some kind of computer generated verification an XXXX. Please get rid of the accounts as soon as possible XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : 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 2018-06-04
Company: EQUIFAX, 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:
I disputed inquiries in XX/XX/XXXX both through the website and on the phone. They have not removed them. I do not recognize these inquiries. 

XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Complete Dept. Stores Phone Number Address XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type All Others - Business Machines, Catering, Vending Machines, Schools, Aircraft Leasing, Railroads, Clubs, Lodges, Shopping Centers, Travel Agencies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address XXXX/XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX 
Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number MAIL ONLY Address XXXX XXXX   XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Phone Number Address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: EQUIFAX, INC.
State: OH
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:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NH
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XX/XX/XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT Toyota. XX/XX/XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from Toyota ) I wrote a letter disputing the disposition fee charge of {$350.00}.XX/XX/XXXX To  Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XX/XX/XXXX for a settlement at a less amount from Toyota {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XX/XX/XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from Toyota. I sent this letter to both of them. Here it is XX/XX/XXXX and I received another letter from XXXX XXXX XXXX that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: Experian Information Solutions Inc.
State: MO
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:
I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX and EXPERIAN to verify these inquiries. They have yet to do so.

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 2019-01-31
Company: EQUIFAX, INC.
State: CO
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 have a derogatory remark on my credit report from a mail-order catalogue service by the name of XXXX XXXX, of which I have no knowledge of. Once noticed on my credit report a year ago, have disputed with all three credit reporting bureaus without resolution/removal from my credit report. Through multiple conversations with XXXX XXXX, it was uncovered this account was an UNSOLICITED INSTALLMENT ACCOUNT MAILED TO AN ADDRESS OF WHICH I DID NOT RESIDE in XX/XX/2013. The resident or persons who received catalogue purchased items, which were delivered in XX/XX/2013 for {$140.00} and made NO PAYMENTS ON THE ACCOUNT causing a charge-off to the account of {$310.00}. XXXX XXXX was not able to confirm shipping information/receipt as they no longer have access to those records but refuses to remove from my credit report. This is a fraudulent account that I did not solicit nor make purchases of merchandise and had never heard of XXXX XXXX until its appearance on my credit report and am having the most difficult time of resolving this ongoing dispute to my satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Navy Federal Credit Union blocked access to my debit card when I was away from home attempting to purchase food items. I called to get clarity why my card was blocked and was told I must physically appear at one of their branches to get it unblocked. I stated their branches are eight hours driving distance away from my home and I can not drive said distance due to being XXXX and elderly. On Friday XX/XX/2019 I called Navy Federal Credit Union and spoke with someone named XXXX in security and a supervisor named XXXX asking both to close said accounts because I opened said accounts over the telephone and I will close those accounts the same way. He stated that it's not feasible ; therefore I'm turning to The Consumer Financial Protection Bureau to force Navy Federal Credit Union to use a ethical, fair, and reasonable methodical approach and close my checking and savings account. For medical and safety reasons it is in my best interest not to have any more dealings with Navy Federal Credit Union. Please expeditiously remit the refund payment sum total of XXXX XXXX Dollars { {$230.00} } to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: MoneyLion Inc.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
This is a 3rd time I am filing a complaint to Money Lion regarding my dispute ( dispute file # XXXX ) for a fraud transaction taken place on XX/XX/2021. Even after explaining and doing everything I can possibly which I was requested by a representative XXXX at Money Lion to prove money was never received by my bank or to me, even have performed a three way calling with the bank representative and confirmed they have never received the funds back but still Money Lion refuses to give my money back in the amount of {$1000.00}. 
This has been a very long process and a very much stressful frustrating experience. 
I will continue to fight for my rights as a consumer in receiving my money back from Money Lion on this fraud transaction because it is very much clear Money Lion still has my money because my bank confirmed they've never received in their system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-31
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A False claim of collections has been on my financial records for over two years. 

A false claim was reported to the Simmons Collection Agency. 

The Buisness ( a dance studio ) falsified records stating that I paid tuition for my XXXX children to take " recreational dance ''. This is not true. My Children were selected and I enrolled them, and paid for in full at the beginning of the year for the required classes for Competative Dance. 

I alerted them ( The Simmons Agency ) that the collection was false MANY TIMES. 

We hired a lawyer to communicate to the Collections Agency and the buisness it represents the Debt and impending Collections was fraudulent. 

I have calledSimons Agency many times. It has been almost 3 years of communication! 

Today I sent in even more supporting documentation asking them to take it off my credit report immediately. 

The Dance Studio that has made this Collection has falsified records and is being vindictive because they did not want to refund funds that they owe me including tuition, competition fees and costume fees. This is a false claim on my fanancial record!. It is on my credit report and is causing continual financial harm. We did not " drop '' dance classes as states in the contract. The girls were kicked off the Team in the middle of the Competition Season, after we paid for all fees, costumes and tuitions, in full, upfront.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My Account from XXXX payment history was disputed in XX/XX/2017. The payment history was deleted due to inaccuracies in reporting. Equifax sent confirmation of the deletion but then re-reported it 6 months later and is refusing to delete it although I have written proof form Equifax of the deletion. This reapplication of this payment history was after Equifax erroneously split my credit file. Now they are refusing to restore it to correctness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-19
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
Hello I have filed several credit disputes with XXXX, Equifax and XXXX  since XX/XX/2021 I continue to file the disputes every 30-45 days with no responses in my investigation nor updates. The credit bureaus are in violation of the FCRA guidelines they have yet to respond to my letters nor forced the investigation properly.

Company response to consumer: Closed with explanation