BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I had a pending balance, it was still pending on the XXXX. when my statement cut. On XXXX XXXX, XXXX they reported this balance when I made a payment on the XXXX. in full. I called, it was corrected and reported as 00.00 A week later it was reported again during a statement cycle of XXXX I submitted a correction with XXXX XXXX  that it should be 00.00  On XXXX XXXX, XXXX it was submitted as XXXX. This is during a cycle, no statements were cut between the XXXX and the XXXX. They keep reporting all my balances before due date. This has in turn brought my perfect over XXXX credit score down by showing an open balance on a card. I pay my cards in full each month before due date, all of my cards. This is the 3rd time I had to call them. I have only had the card since XX/XX/XXXX. How is this legal, ethical or lawful? It is not! You can not report a balance before the due date, let alone while purchases are pending. I want this corrected and I want it corrected so it never happens again. How many others who don't watch their credit like I do has this happened to? My next step is a class action lawsuit. They have gave me anxiety of what my report will look like. This is not legal! Verizon credit card, Synchrony Bank is the holder.

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 2016-07-08
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a citigold checking account according to the promotion they have to credit me XXXX XXXX miles. 
I fulfilled the requirements, but Citibank refuse to give me the promotional miles. 
I have the correspondent mails and messages talk with them to confirm my promotional eligibility and their response of my fulfillment of the requirements. 
Also the letter they give to me recently denied my eligibility of getting those promotional miles. 
I ca n't find a easier way to communicate with them directly because of this time consuming process. So I write my claim here.

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 2023-01-31
Company: 1st Franklin Financial Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My loan is due on the XXXX of the month, they call and harass me everyday. I miss my payment for XXXX due to financial issues. However I corrected my issues and was going to double up on my payment. They blocked me from sending my payment online because of XXXX weeks late. What kind of rights do I have. Everyone is having problems and we all are trying to deal with it. Why should these companies get away with harassment and threats if you dont pay. Them calling everyday does not make sense to me and it doesnt change the fact that I dont have it. Please help, so no one else have to go through what Im going through.. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Square Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My son deceased on XX/XX/2020 upon cleaning his apartment I found two cash app cards one for business the other for personal. I called the XXXX XXXX who stated they were cash app cards and that cash app had no contact number so I had to contact them through cash app. Which I did when I was returned an email that had no information regarding my question then I sent another email and was contacted by XXXX who sent instructions on how to proceed. So I did and no response so I email back and was told my case was closed. So I contact again through cash app and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, I checked my credit report and the following inquiries were deleted. I logged in today and there are back and my score when down. 
XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Rent 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 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
Im the victim of fraud. I contacted Capital One multiple times over multiple months and worked with their internal fraud department to resolve this issue. I provided them charge information that was inaccurate and dates. As well as emails showing my account was hacked and paymetns had been made on my behalf. 

They informed me that there was nothing else they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: ID Analytics, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I didn't authorize the below inquiries : XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NH XXXX ( XXXX ) XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Third Floor XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX Bank XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I retrieved a free credit report from my bank. It had dropped nearly 100 points from XXXX in XXXX. I read the report and it showed an inaccurate, negative report from XXXX. I called XXXX and they stated at first that they couldn't find an account in my name but finally found a " wrote off '' debt of {$55.00} from XXXX on a landline account. I haven't had a landline since XXXX. XXXX said they would transfer me to someone who could fix the problem and the call dropped. I called Equifax to dispute. Equifax also dropped the call after extensive menus and " verification '' questions. They eventually did an " investigation '' and emailed to tell me to get the results. I got the confirmation number, and have called multiple times to try to find out the results, but whenever I call they make me step through ID verifications and never give me the result. I called twice this morning and the same thing happened. They made me enter in all kinds of information about address phone number, etc and then the customer service guy said hold for a survey and they disconnected. I have spent literally hours and hours-entire days on hold and stepping through " verification '' menus and never get the results. Meanwhile, I pulled another report from XXXX and they showed a negative ( the only negative ever ) from XXXX again.I need the dispute properly resolved and I need the results of the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The following account XXXX XXXX XXXX has an incorrect balance. Balance should be {$240.00}. Please update

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 2020-07-06
Company: Exeter Finance Corp.
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:
I am completely dissatisfied with this company called Exeter Finance , XXXX, XXXX, & XXXX XXXX XXXX. I have contact them and XXXX MULTIPLE times over the years for them to remove themselves from my credit report. I sent the credit bureau the police report attached where my property, identification, and social was stolen back in XXXX. This company has been reporting on my credit since XXXX!!! Just in the last year I have sent them 4 different letters for removal from my credit report. Letters where dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX. All with the police report attached showing my identification was stolen along with proof of my address at the time. I have NEVER had an account with this company!!!!! XXXX, Exeter Finance, XXXX not XXXX XXXX XXXX have sent me any PROOF, as in when or how, that these accounts were validated to be mine. They have nothing with my signature on it stating the accounts to be mine!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
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:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am having issues with understanding my escrow statement from Nationstar. I am getting charged a USDA fee, which makes no sense to me. USDA loans from my understanding have the PMI paid up front. I called to get some clarification, but was hung up on the line after getting clarification. I just placed the call today at XXXX EST. Also the numbers do not add up on the bottom of the escrow statement. As soon as I start subtracting the numbers within the account history, they do not match. Hence this leads to confusion on getting actual numbers and why my payment got increased {$200.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I AM A NATURAL PERSON. I HAVE TIGHTS UNDER 15 USC 1681. MY CIVIL RIGHTS WRE VIOLATED NUMEROUS TIMES AND I AM REQUSTING/ DEMANDING THESE INQUIRY ACCOUNTS/ COLLECTIONS BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THESE ARE NOT MY ACVOUNTS, WHICH LOWERED MY CREDIT SCORE, HIGHER INTEREST RATES, PLEASE REMOVE THESE INQUIRIES/COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: MI
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 have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 have noticed many incorrect and unauthorized items appeared in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have used XXXX XXXX since 2013 and never had any problems recently the contacted me by email to tell me my Transunion score had dropped 10 points in the last 30 days. 
that for me was a red flag since I had not done anything in the last 30 days to warrant such a drastic drop due to covid19. Nothing had changed and I have been paying my bills regularly. I called them to find out if there was suspicious activity or Fraud the representative stated no all your payments are on time and no inquiries this year but she could not tell my why there was such a discrepancy from the other 2 Credit reporting agencies. They were reporting a score of XXXX but Transunion had dropped from XXXX to XXXX in 30 days for no apparent reason. I was truly infuriated with them. She tried to blame XXXX XXXX saying they may not be reporting it correctly and said I could pull my report from their website to see my score. She also said it was a free report. So I did. And there was nothing on my report that had changed from any previous year only de bt being paid off which is a good thing for your score. however what did happen is I read that Transunion had purchased an identity theft security company and everytime I tried to get my score because it was not on my report it would make me sign up for this service at a rate of XXXX per month. I called several times with no help. I then mentioned that I had seen information on my report from a bankruptcy that was included and that it was against the law to do that.The rep stated that everytime I dispute incorrect information on my report that it will affect my SCORE and it could go down? WHAT? that is what we are suppose to do is check our information WHY would disputing that information make our score go down? 

I believe TRANSunion is purposely manipulating scores so that when you check on it by downloading your report to see your scores they make you sign up for their protection service monthly..Everywhere I clicked to try to get my score it never told me it was XXXX or let me sign up for a one time XXXX score report. It never gave me my score for free and it always forced me to sign up for the XXXX and it never told me how much I was paying in the end either. I had to go into my profile after the sign up to see how much I had paid for my score and it was monthly XXXX for the whole service. I then had to call them back to cancel and in the end realized that XXXX XXXX was accurate and the score had dropped by 10 points to XXXX for no reason. This is a scam on the part of TRAN

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 2022-12-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
LL Bean Citi XXXX, XXXX XXXX XXXX XXXX, held by XXXX XXXX XXXX XXXX XXXX XXXX, who has passed away. They asked me a multitude of intrusive questions which I answered every one and their Probate Department, XXXX, would not answer one of my questions. 

For example I asked them to confirm receipt of payment I sent last Friday in the amount of {$1000.00} and they would not answer. This is a problem that could have been resolved in XXXX phone call. 

We have been a customer of LL Bean for over 50 years and I am treated like I am a no body.

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 2017-02-25
Company: PRESTIGE FINANCIAL SERVICES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Our payment is due on the XX/XX/XXXX of every month. For the payment due XX/XX/XXXX we are unable to pay until the XX/XX/XXXX, due to owing the IRS. We called our account manager XXXX who told us that this is an active collection 's account and that management is reviewing this account for repossession. We gave him viable payment arrangements, to make a full payments of {$280.00} three times in the Month of XX/XX/XXXX to bring the account not only current but should put us one month ahead. I work in car finance and to tell us they will repo the car before the car is even 30 days past due. We receive rude text messages from XXXX and get no customer service whatsoever. We have struggled before and there have been months where we had to pay less than what we owed but we have never gone a month without making a payment. The " account manager '' is basically telling us they would rather not take our money and repossess the car. They received XX/XX/XXXX payment, in full, one day before the due date. We have no family or friends we can borrow the funds from. In XX/XX/XXXX they received a {$5000.00} check from our insurance company due to hail damage. But still we are treated as loafers who continuously do n't pay. This company does not care about customer service and helping out their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed the information that Credit Protection Association has put on my credit reports numerous times. I do not understand why this collection is on my account when I never owed them money and settled the debt with XXXX directly in 2019. This account needs to be deleted from my credit report. I do not owe them money and I never have owed this company money. It is showing as paid and I never paid them any money on this collection, so obviously the account is showing gross inaccuracies.

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 2022-10-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXXXXXX XXXX - Account # XXXXXXXX XXXX  - Account # XXXX The above accounts have 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, states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section, states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is still reporting a civil judgment on my credit report when it has been paid and should no longer be reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief