BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
XXXX XXXX Consumer/living soul XXXX XXXX XXXX XXXX GA XXXX XXXX Office of the comptroller of the currency XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Dear XXXX XXXX XXXX I am writing this communication to inform you about capital one bad and deceptive business practices. Capital, one has decided to take on adverse action/discriminate against me Capital, one has violated my consumer rights over on alleged debt I have sent cease & desist, validation of debt, condition of acceptance, and a billing error. capital one has not comply with any of my letter capital one has not replied to any of my communications. instead, capital one has decided to ruin my life by furnishing negative items on my consumer report. 
Pursuant to 15 usc 1681a2a ( i ) report containing information solely as to transaction or experience between the consumer and the person making the report ( ii ) communication of that information among person related by common ownership or affiliated ( iii ) communication of other information among person related By common ownership or affiliated by corporate control, if its clear and conspicuously disclose to the consumer that the information may be communicated among such person and the consumer is given the opportunity before the time that the information is initially communication to direct that such information not be communicated among such person.

Pursuant to 15 usc 1666d treatment of credit balances Pursuant to 15 usc 1666h offset of cardholders indebtedness by issuer of credit with funds deposited with issuer by cardholder ; remedies of creditor under state law not affected Pursuant to 15 usc 1666i-1limits on interstate, fee, and finance charge increases applicable to outstanding balances Pursuant to 15 usc 1601 Informed use of credit These are all violation of my consumer rights and federal laws Am seeking remedy in zero the balance out, an open-end credit line, every month its zeroed out and reup, stop reporting to all reporting agencies cease all collection activities remove all negative furnishing from all reporting agencies and refund of all payment made to the account yours truly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: KS
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:
In XX/XX/2020 I was on my mortgage company website and thought i was being billed a late fee but when i called then a rep told me after a escrow analysis my mortgage was going to increase in XX/XX/2020. I informed the rep I could not afford to pay a higher mortgage so the rep offered an extension on my mortgage, he said I could continue paying the original amount of {$1500.00} for 3 more months instead of {$1600.00} as long as I called monthly and processed payments by phone. Later that month I discovered an error that I made, my payment was not honored but I immediately paid once I realized there was an error. Multiple reps promised fee adjustments and also confirmed my payment extension that the first rep promised. By XX/XX/2020 I got a letter stating there was a problem so I called and was told my account was past due. I offered to pay any past-due amount needed so that my credit wouldn't be impacted so that rep told me to pay {$35.00} and assured me that everything else was already taken care of. She said the XXXX was for the XXXX payment being past due and NSF and said all other fees were already removed. She also mentioned for the first time that i was not eligible for the extension that was promised to me in XXXX and told me that going forward I should pay {$1600.00}. I've asked multiple reps to have the negative report removed from my credit file sinceXX/XX/XXXX rep gave me wrong info that lead to full payment not paid which ultimately considered me past due. XXXX doesn't seem to agree with fixing my credit file. Today, XX/XX/XXXX I got an automated call that hung up on me, I called back and a rep told me I need to pay additional fees despite I have not been late or had any declined checks since the one time in XXXX. XXXX is taking advantage of me, they can't explain why I'm still getting billed more fees and won't accept responsibility for giving me wrong info. I've tried to give them several opportunities to keep this right but they ignore me. I would've just paid the {$1600.00} to avoid this terrible situation and try ro refinance later but now my credit score has dropped very low because a rep at XXXX gave me wrong info, this is not fair. I feel like they are picking on me and mistreating me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Rocket Mortgage, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After prequalifying on a {$80000.00} Conventional Mortgage Loan. The borrower does not approve my Loan amount. XXXX XXXX was my Mortgage loan officer and he clearly knew about the HOA amounts. I have reserves totaling more than the loan and was approved then denied based upon the HOA totals. I do plan upon moving to XXXX and should have no problems with getting gainful employment with my field of business or employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, INC.
State: NV
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/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
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. 

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 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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
MXXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

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 2023-01-24
Company: EQUIFAX, INC.
State: LA
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXXXXXX XXXX # XXXX ), has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2019-09-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
ON XX/XX/2019 I RECEIVED A LETTER FROM SYNCHRONY BANK STATING THEY HAD DECIDED TO CLOSE MY LOWE 'S CREDIT CARD ACCOUNT. THE REASON WAS BASED ON MY CREDIT REPORT HAVING TOO MANY ACCOUNTS WITH HIGH BALANCES. MY LOWE 'S ACCOUNT IS AND HAS ALWAYS BEEN PAID ON TIME. I HAVE SEVERAL CREDIT CARD ACCOUNTS WITH SYNCHRONY BANK. THEY ARE ALL IN GOOD STANDING AND PAID ON TIME. THERE IS ONLY ONE ACCOUNT WITH DISCOUNT TIRE THAT I GOT BEHIND WITH THE PAYMENTS. I LET SOMEONE USE MY CARD FOR GAS AND THE CHARGES ADDED UP FAST. THEY WERE PAYING THE BILL BUT LOST THEIR JOB AND THEY WERE UNABLE TO PAY THE MONTHLY BALANCE DUE AND I WAS UNABLE TO PAY IT. THE CARD IS IN MY NAME SO I AM RESPONSIBLE FOR THE DEBT. I HAVE MADE ARRANGEMENTS WITH SYNCHRONY ( DISCOUNT TIRE ) TO PAY THE ACCOUNT. BUT BECAUSE OF THIS ONE ACCOUNT I FEEL THAT I HAVE BEEN TREATED UNFAIRLY AND DISCRIMINATED AGAINST. I USE MY LOWE 'S ACCOUNT FOR HOME REPAIRS, APPLIANCES AND OTHER THINGS. I HAVE COMPLAINED TO SYNCHRONY BANK BUT HAVE HAD NO RESPONSE FROM THEM. I HOPE YOU CAN HELP. THANKS

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 2022-05-23
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was looking to increase the credit limit on my existing card with TD Bank. The existing limit was {$5000.00}. I called the customer service line and found that I could either request a limit increase that would take 7-10 business days or I could go to the local branch and apply for a second card, which would be returned the same day. With the second card, I could then merge the original card and the new one, returning to one total card. Also, the new card had better rewards, 2 % on all transactions, whereas my original card is 3 % restaurants, 2 % groceries, and 1 % everything else, or something like that. With this information, I went to the local branch on XX/XX/22. After speaking with both the rep in the bank and one on the phone, I apply and get the new card with a {$15000.00} credit limit. After I'm handed the card, I'm told that I will need to have a qualifying deposit account with the bank in order to get the full 2 % back, or I'll only qualify for 1 % back. I was not read the disclosure that provides this information prior to the card being issued. I don't want a checking/savings account with TD Bank XXXX I have each with XXXX and their interest rates are MUCH better. If I would have known that I had to open another account with TD Bank to get the 2 %, I wouldn't have gotten the card. I've called both their card services number as well as the branch and they each point to each other as responsible. At this point, I'm very frustrated with TD Bank. I have been told now they they can not merge the two cards together and keep the older, I can only do that merge if I keep the newer one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a savings account at Citizens Bank, XXXX XXXX XXXX, XXXX, Ohio in response to a mailing I received, promising {$200.00} if the funds stayed in the account for 3 months. There was a greater bonus for opening a checking account as well. On XX/XX/2021 I opened the account in person. I asked multiple times if there was any catch, and was told by the gentleman that opened it, " well we would like you to keep the funds with us, but no, just deposit the $ XXXX in a savings account and you are eligible. '' The transaction # for the deposit is XXXX, The last 4 digits of the account are XXXX. This transaction was made by the teller, not by the banker that answered my questions. The week of XX/XX/XXXX, I called customer service as no funds had been deposited. After an almost 30 minute call, I was told by the agent the funds were due to be deposited on May 31st. I asked her why not earlier, but she just kept saying the account shows they will be deposited XX/XX/XXXX. I called again the week of XX/XX/XXXX, as the funds were still not deposited. After a 45 minute call, I was told that the first agent was incorrect and no funds would be deposited because I hadn't opened a checking account as well. I explained multiple times that I had confirmed that wasn't necessary with the banker. She just kept telling me they had made a mistake. I asked to speak with a supervisor to escalate the issue. She said she would esclate the matter and I would get a call back within 48 hours. As of XX/XX/XXXX, I still have not heard back from them. Either the banker gave me incorrect information, or the customer service agents did. Regardless no one has attempted to contact me or remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: EQUIFAX, INC.
State: WA
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. 

Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX acct XXXX XXXX Account name : XXXX XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX 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 2022-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2020, I made payments on the XXXX app for Bank of America using the bill pay function. It thanked me for making the payments in both cases. However, unknown to me, the system didnt take the money from my checking account with Bank of America and apply it to the XXXX loan and the credit card as I was led to believe. I saw late payments on my statement and called in to find out that their system had an issue and didnt support that function. They told me that my credit repeat would be adjusted and not to worry. They lied.

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 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-23
Company: Experian Information Solutions Inc.
State: VA
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 sent a letter on XX/XX/XXXX Tracking number : XXXX, XXXX. 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. 
Account : XXXX, XXXX, XXXX, XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days. I haven't received a response and verification 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 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