BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
XXXX XXXX is reporting negative transactions and experiences on my consumer report which goes against 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) where Congress states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumer report. 
XXXX XXXX has failed to provide the proper way for me to exercise the nondisclosure option given to a consumer by 16 CFR 313.7 and 15 USC 6802. I have provided them with notice that I have opted out of them sharing my nonpublic financial information with 3rd party nonaffilates. They have ignored this notice and are in violation of the Fair Credit Reporting Act and the Privacy Act of 1974. This is a violation of my rights that are to be enforced by the CFPB according to 15 USC 3805.

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 2022-10-29
Company: Netspend Corporation
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/XXXX, I received a completely unsolicited envelope from the Company Netspend 'All-access ' ( XXXX XXXX XXXX, XXXX, TX XXXX ) containing a card bearing my name, an account number and expiration date, and a security code, which appears exactly like a real credit or debit card. Again, I never requested any such card from this company, and do not know how they got my information. Also included is a 'direct deposit form ' bearing a routing number and account number for an account which, again, I did not request to open and have no interest in. I think and hope that they don't actually have any of my money, but the mere appearance of an account opened in my name that I did not request is panic-inducing and extremely deceptive.

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 2023-03-26
Company: MAS FINANCIAL SERVICES, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Vehicle was never repossessed Please remove from credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I bought a new construction home in XXXX XXXX XXXX  XX/XX/XXXX. When the XXXX, property tax for the home was applied, I was in arrears of {$2600.00}. I understand that I owe Lakeview Loan Servicing , LLC that money as they paid the tax. However, my dispute is the cushion they applied to my balance. They applied {$2700.00} which brought up my balance to {$5300.00}. Marked you, my escrow also went up from {$310.00} to {$610.00}. So now the total increase in my mortgage payment is from {$1300.00} to {$1800.00} because I took the XXXX payment plan to pay off the {$5300.00}. 
I have an issue with the cushion, I understand that Federal Law states there needs to be a cushion but from my reading, it states XXXX escrow. {$2700.00} is much more than 2 months ' escrow and even worse when I spoke to a representative yesterday, XX/XX/XXXX, she told me that the Federal Law states that the cushion is {$2300.00}. XXXX I get some help in this matter, please? I am having a hard time making this monthly payment. Thank you

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 2023-01-14
Company: Experian Information Solutions Inc.
State: DC
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX XXXX XXXX Balance Owed XXXX {$0.00}, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-10
Company: Experian Information Solutions Inc.
State: MD
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:
Experian continues to report XXXX XXXX XXXX on my credit report. This company is illegally attempting to collect a debt in the state of Maryland which it does not have a license. Under Section 1692e ( 14 ), it is considered a violation of the FDCPA for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing or implying that the debt collector is licensed, bonded, or affiliated with any government, or that the collection agency is authorized or permitted to collect debts in a particular jurisdiction where it is not licensed. 

Therefore, XXXX XXXX XXXX attemptinge to collect a debt from the state of Maryland where it is not licensed, is considered a violation of the FDCPA under Section 1692e ( 14 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have NOT heard one word from HSN or the Synchrony Bank regarding tthis matter.! THE QUESTON STILL REMAINS WHERE ARE ALL THE PAYMENTS THAT I DID FAITHFULLY MAKE EVERY MONTH? I sent all of the information to a woman by the name of XXXX and have not heard one word from her! OR HSN, OR Synchrony Bank I work very hard to keep my payments up not only to HSN but to QVC as well. ALL I WANT TO KNOW IS WHERE ARE THE PAYMENTS I DID MAKE, THIS WOULD INCLUDE THE MORE THAN {$720.00} THAT I HAVE MADE IN XXXX? IN ADDITION TO THIS IT COST ME {$60.00} TO HAVE MY BANK COPY MY STATEMENTS AND Have them sent XXXX @ HSN. 
As previously stated I did my DUE DILIGENCE! MUCH MORE THEN HSN OR THE Synchrony Bank I JUST WANT TO KNOW WHERE MY PAYMENTS ARE? 
THIS IS IN NO WAY FAIR TO ME! 
MIGHT I ADD, THAT HOST ON HSN ADVISE THERE IS " NO INTREST EVEN WITH FLEX PAY '' INSTEAD THE BANK IS RESPOSIBLE FOR THE INTREST RATE. THEY HAVE NEGLECTED TO PROVIDE AN ADDITIONAL {$120.00} PAYMENT THAT WAS MADE TO THEM, ACCORDING TO THEIR WORKSHEET!!!!

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 monetary relief
Consumer complaint received 2023-01-14
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXXBalance : {$10000.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC 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 2023-06-10
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hello Good day, I am writing to dispute the following items on my credit report. I have circled the items indispute To remove all INQUIRIES Off my credit report because it was done fraudulently & this in accurate information on my report thats affecting my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Capital One account was open with out my permission XXXX XXXX. A balance for XXXX was created and turned into doubt. I am a victim of IDENTITY THEFT. I have reached out several times and the only thing I'm told is they will investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-23
Company: Experian Information Solutions Inc.
State: NJ
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:
The unverified items indicated below to continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2023-06-10
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I called Midland Credit Management and spoke with someone on XX/XX/2023 about I never gave anybody permission to purchase my debt this is illegal, as Im trying to explain to the representative that I was a victim of identity theft the customer service representative hung up on me, just on XX/XX/2023 I get this certified letter from them about they will sue me if I dont pay it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX XXXX I made a contribution to my XXXX  account. This contribution was initiated from my USAA checking account for the amount of {$220.00}. The money left my USAA checking account via transfer. The transfer confirmation number is XXXX. As of XX/XX/XXXX, the money is still not in my XXXX account, is withdrawn from my USAA checking account, and is missing. On XX/XX/XXXX, an XXXX representative stated there were no pending incoming transactions from my USAA checking account. She stated she would do some research and " try '' to call me back by the end of business that day. No call was received. She insinuated no transfer was made, or that I had made an error. That same day USAA opened a non merchant deposit dispute case to investigate the current status of these funds. They confirmed the XXXX  account number and confirmed that the transfer had been completed. The case ID is XXXX. On XX/XX/XXXX, I faxed a letter to XXXX  and to USAA detailing the events. On XX/XX/XXXX, USAA confirmed receipt of the fax. That same day I called XXXX again. " XXXX '' stated she would reach out to XXXX XXXX  and call me back in XXXX business hours. No call was received. On XX/XX/XXXX, I called XXXX a third time. " XXXX '' stated XXXX hadn't heard back from XXXX and didn't know when she would hear back because it was a " busy season ''. I asked XXXX to check to see if my fax had been added to my file. She placed me on an extended hold, came back, and said she'd look later and follow up via email. USAA representatives have confirmed the transfer was debited from my account on XX/XX/XXXX and transferred to the correct XXXX  account. XXXX  has not received my money and has not shown a sense of concern or urgency in resolving this matter. Your assistance is also requested in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: GA
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 XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681section 602 A. States i have a 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 non-monetary relief
Consumer complaint received 2023-06-10
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/2023, the ability to determine what gets paid out of my account was taken away. I called Chase Bank on XX/XX/2023, and told them if there's no money in my account don't pay for the item. I was told that their computer makes that decision. I asked to speak to a supervisor and was put on hold when they returned, I was told that the computer makes that decision and it can't be changed, and nothing could be done about it. At the end of XXXX, my account was {$320.00} overdrawn. At the end of XXXX, XXXX I called again and no matter who I was transferred to I kept getting the same answer, the computer made that decision. At the end of XXXX, the cost was {$610.00} overdrawn, again, I was told that the computer made that decision. I have opened an account at another bank so I could start paying all my bills again. Every month my account was short of money at the start because of overdraft fees. It has cost me accounts ; it has affected my credit rating. It has put me behind on several bill payments, and accounts. I had to close accounts because I couldn't pay them because, at the beginning of the month, a large part of my check went to pay overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX Balance : {$12000.00}

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 2022-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I Went to To Car Dealership, They Told Me They Would Run Credit Once and It Was Ran Several Times. 

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 2023-01-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
jpmcb - card service isn reporting as an inquiry on my XXXX report and i never applied to them on XX/XX/2023 XXXX XXXX is reporting as an inquiry on my transunion report and i never applied for this company either, XX/XX/XXXX, XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
On XX/XX/XXXX  I wrote TransUnion to investigate hard inquiries on my credit report that are reporting with my consent or permission. I already contacted the companies and they said that I needed to get with the bureaus about them so that is what I have done. I never received a response back and the fraudulent inquiries still remain on my credit report. I need these off my credit report because I never gave those companies permission or my authorization to check my credit score. 
I have never received a response back from them and my credit report was not corrected.

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 2023-06-10
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 TJMaxx XXXX was closed without my knowledge or even a notice, I was checking my accounts and noticed it. Last weekend I checked my account and it wasn't paid with autopay that I set up in XXXX when I changed my bank account through their automated system, I also made the payment in XXXX. In XXXX when I noticed it didn't autopay ( last week ) I called them, made the payment and found out their system didn't change my mailing address or my bank account. While on the phone with them we fixed the address, banking information, I made my payment and disputed the {$38.00} fee they charged me for being late. I explained what I said above and they said they removed but that is when they probably closed my account behind my back. Last night when I. checked my credit report my points went down and when I saw Synchrony closed my tj max I was flabbergasted. I called them and they said I have 3 returned payments and there is nothing they can do. One was in XX/XX/2022, XXXX in for XXXX this year that I didn't even know about and XXXX 's payment wasn't done and I realized that ( last weekend ) that is when I called them. Synchrony bank hurt me during Covid by cutting my available credit in half even though I was in good standing. This system is destroying my ability to move forward in life and I beg you to please see what they are doing to hold me down. Their system did not make the changes I put in, I have even had a problem setting up autopay In the past just to be charged the hefty late fees. Please investigate them and open my old complaint if you can. Thank you for your valuable time.

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