BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank closed the 7 accounts I had with them in standing. When I inquired they stated there was an issue on my credit report. My credit utilization was 13 % no payments had been missed or late. I have had these cards for years without issue and it now appears I am no longer a good customer. My credit utilization thanks to Synchrony is now at 23 %. I worked very hard to keep my credit in good standing with low utilization. I recently had XXXX  XXXX XXXX done and used care credit for XXXX. This appears to be what triggered this. Please look into this I do plan on sending the letter, when I receive it to my attorney. It appears they want to extend credit but when used they close 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 2023-05-25
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX  a charge of {$350.00} was charged to my card. I was told by the merchant that this charge was a declined transaction, and was not processed. I have been disputing this since I saw it on my account, and asking for proof of signature or any receipt from the transaction. I have sent multiple documents to the company to get this removed. Neither the merchant nor the company have given me any proof of the debt, and this transaction was not made by me.Therefore, it needs to be removed immediately from my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: AMERICAN HONDA FINANCE CORP
State: MA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax credit reporting is refusing to work on the disputes I submitted and sent out a bogus letter be email saying that they did not know if it was me. That is XXXX and just a delaying tactic. 

I want Equifax to fulfill their legal obligation to work on the disputes that I have submitted and remove several late payments that are incorrectly being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: CITIBANK, N.A.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Home Depot employees ( XXXX XXXX and XXXX XXXX ) stated we would get 24 months of no-interest financing through our Home Depot credit card to have Home Depot resurface our kitchen appliances. The purchase was made on XXXX XX/XX/2021. Home Depot is only giving us 6 months of no-interest financing. Order # XXXX. XXXX XXXX the sales manager said he is unable to assist as he is just a sales manager with limited access.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-03-03
Company: Experian Information Solutions Inc.
State: VA
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 filing a complaint with the Consumer Financial Protection Bureau regarding the lack of response from credit reporting agencies specifically for this complaint after multiple attempts to correct inaccurate information. On XX/XX/XXXX, I sent multiple letters to all 3 credit agencies ( XXXX, XXXX, Experian ). 

Experian ; XXXX XXXX XXXXXXXX, XXXX, TX XXXX Tracking number of XXXX, which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXXXXXX/ XXXX, XXXX XXXXXXXX. 
Tracking number of XXXX which was confirmed as received on XX/XX/XXXX. However, as of XX/XX/XXXX, I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

XXXX ; XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX expected delivery date of XX/XX/XXXX. I have not received any response via mail and no changes or updates have been made, and I am unable to access their online systems. 

This specific document requested the following updates ; Personal Updates ; 1.Incorrect Address ; Needs to be ONLY XXXX XXXX XXXX # XXXX XXXX, va XXXX ' ( NO others ) 2.Incorrect Name Needs to be ONLY XXXX XXXX ' no middle name or initial. 
3.Incorrect Employer Needs to be ONLY 'XXXX XXXX XXXX XXXXXXXX XXXX ' ( NO others ) Incorrect credit reporting accounts that are reporting as ; 'Name of creditor ' - 'Reporting Account Number 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 ' According to the Fair Credit Reporting Act, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. The lack of response has prevented me from obtaining credit within the last 30 days, and I have suffered negative impacts as a result. Enclosed with this complaint is a copy of the original correspondence sent on XX/XX/XXXX. This same packet was sent to all 3 Credit bureaus ( XXXX, Experian, XXXX ). 

Thank you, 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 2020-08-12
Company: EQUIFAX, 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:
I have contacted XXXX numerous times regarding my account and continue to experience credit reporting issues. 

I recently received a credit alert suggesting XXXX reported my account 30 days delinquent. Notably, I have been on a forbearance plan since the onset of COVID-19. Please see the attached confirmation letter from XXXX confirming the extension of my forbearance plan thru XX/XX//2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

XXXX XXXXXXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX  # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 been a victim of identity theft and my personal data has been exposed in an XXXX  data breach. I am attaching documents to support my claim.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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. 

In accordance with the fair Credit Reporting act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A 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 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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I did not ask for, nor do I want a fraud alert on my credit file whatsoever. Please remove any and all fraud alerts from my credit files 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 explanation
Consumer complaint received 2021-04-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
I am a premier customer with this bank and attempted to make an international wire transfer to another company through their online web portal. The system is secure and works well, except that the wire process never shows the actual amount that the recipient will receive at the current exchange rate i.e. I am never told what rate is being applied. I called their customer service on XX/XX/XXXXand the representative said that it should say in fine print, once you confirm your transaction, which never happened, even when I confirmed my whole wire-transfer process. I was not happy about that and was able to cancel this transfer within 30 minutes, however I feel this is really dodgy service by this world renowned financial institution and I am super-frustrated with their wishy-washy response which has wasted a lot of my time, and possible monetary loss due to fast changing exchange-rate which is not in my favor. Kindly take a look and have them enforce a clear communication about the exchange rate, so I can proceed forth with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: IL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm still awaiting a final payoff letter from Citizens One, formerly XXXX Mortgage, and it improperly threatened to charge me a fee. I need the payoff and lien release ASAP because we are trying to close escrow on the subject home. I have asked for the account to be closed several times, including in writing. 

I did not even know I had an account with XXXX Mortgage. XXXX XXXX XXXX transferred my XXXX mortgage there several years ago even though I paid off the debt with XXXX XXXX XXXX. I only found out about it because the escrow company discovered it during escrow proceedings. 

After XXXX of my many calls and a letter to Citizens One, they again confirmed that my now home equity loan has a zero balance. They then faxed me a statement showing a {$25.00} balance for a fax fee, asking me to send them a certified check to close the account. I called to contest the charge because I had never heard of or authorized it, and a supervisor agreed to reverse the improper charge. She also said she would have the company fax me a final payoff letter to close the account the next day. I still do not have that document, and it has been a week. 

Please contact them and make them close my zero balance loan and send me confirmation so I do not get penalized in escrow. If I do, I will seek compensation from them. I would also appreciate some payment from them to compensate me for the hours I have lost dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Transunion is reporting inaccurate account information despite being provided proper documentation in regard to ID theft. There are two accounts that they refuse to remove or provide proper response to. One account they are reporting has exceeded its 7 year mark but is still on 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 2023-09-16
Company: Comerica
State: AZ
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
From XXXX XXXX through XXXX XXXX, they allowed their employee to steal all of my deposits, they recently claimed they would refund part of the {$4200.00} they owe me, then XXXX XXXX with Comerica bank directed me to call a general CS # at XXXX XXXX to try to recover the actual amt. They owe me. I can not reach any person to talk to at DE with any available # I am disputing all charges on my acct from XXXX through XXXX. My entire {$4200.00} needs to be refunded to me immediately by sending a check to : po box XXXX XXXX XXXX 's, as XXXX. You can not contact me via e-mail

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This XXXX  account ( account # : XXXX ) is in several violations of my rights. This account is IDENTITY THEFT, 15 U.S. 1681 c-2 states these accounts HAVE to be removed from my credit report in 4 DAYS and it has been well over 4 days since they received my FTC report XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
please remove any and all fraud alerts from my credit file.

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 2020-08-12
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened a new set of TD Bank checking and savings account on XX/XX/XXXX. Online banking was blocked a couple days later. Called customer service line and I was told I had to go to a branch to unlock my account. I refused to go to branch due to the current COVID situation and hope they can unlock my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}, XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2100.00}, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$490.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$580.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-12
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: Old information reappears or never goes away

Complaint:
I hired XXXX XXXX XXXX on XX/XX/XXXX, they challenged Transunion, XXXX, and XXXX. They are refusing to remove what's past statue of limitations which includes all my student loans, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX, US Department of Education XX/XX/XXXX. The ones that has the same dates are different charges

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 2021-11-07
Company: Experian Information Solutions Inc.
State: MD
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:
Hello, I have been seeing for sometime now a report a XXXX XXXX from a company name XXXX XXXX XXXX. I searched them up and send numerous emails and calls but never got a reply. 
I already complained about this in the past. 
Frankly speaking I didnt know what this was about until I learnt initially that it was linked to a cable company I had even ceased my contract with one year prior with my account in order. 
I owe nothing to no company! 
Please remove this from my account or give me the details of what you pretend I owe so that I can go after the company because I dont owe anything!

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