BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX - I opened an account with Synchrony Bank. 

XX/XX/XXXX - incorrect phone number is associated with new account ( this was a previous phone number of mine, however I am certain I never gave this information to synchrony bank ) XX/XX/XXXX - XXXX follow an intrusive validation process to gain access to account, set up auto-pay, verify incorrect phone number does not appear within account XX/XX/XXXX - purchase is denied, I try to access my account and find the previous incorrect phone number has reappeared preventing me from accessing the account. Because I have already verified my identity once via phone I must verify identity via mail. Synchrony bank claims they will mail, however they email and the message does not look like the message I would be looking for ( looks like generic " you have a new statement '' message ). 

XX/XX/XXXX - autopayment which I verified was set up XX/XX/XXXX does not go through XX/XX/XXXX - attempt to contact synchrony bank via phone, however their customer support has been replace with a " you have won a gift card '' recording.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: GA
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 wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2021-02-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received an email from the United States Attorney claiming I owe a debt to Ace Cash. They claim that I owe some XXXX dollars and that they will file a criminal charge to IC3. They are offering a settlement of XXXX $ and threatening criminal prosecution in addition to XXXX in fines additional. I dont recall ever having any dealings with them and this is the first communication I have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Aspen Yo LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This complaint is in regards to my current lender ( Gregory Funding ), who I have submitted several letters in order to correct the error in reporting a late mortgage payment. I have submitted several letters of proof that I am not late or have I ever been late on my mortgage. I have also had my attorney submit a letter to correct the error, Gregory Funding never responded within the 30 day legal time they are required to respond to my attorneys letter. To date the error has not been corrected and we are unable to refinance our home because of Gregory Fundings incorrect reporting error stating that I was late on my mortgage payment. I am attaching the letter I sent to Gregory Funding, on XXXX XXXX, requesting them to correct their reporting error : XX/XX/XXXX Gregory Funding XXXX. XXXX XXXX XXXX, XXXX. XXXX FAX : XXXX XXXX Subject Disputing Late Notice XX/XX/XXXX This letter is being forwarded to Gregory funding based on a letter I received dated XX/XX/XXXX. The letter states that I am behind on my monthly payment in the amount of {$3000.00}, this is incorrect and I am disputing all late fees and the amount of {$3000.00} I have never been late on my mortgage. 

My loan was transferred from XXXX XXXX XXXX  to XXXX XXXX XXXX, all scheduled payments were paid on time. My final payment to XXXX XXXX was made on XX/XX/XXXX in the branch. My mortgage with XXXX XXXX was in bankruptcy and discharged in XX/XX/XXXX in which a notice of final cure payment was issued from the bankruptcy court to XXXX XXXX XXXX  and it states Agrees that Debtor ( s ) has paid in full the amount required to cure the default on Creditors claim, The loan is due for XX/XX/XXXX payment ( see attachment ). We received a letter from XXXX XXXX XXXX  that our loan as of XX/XX/XXXX was transferred to XXXX XXXX XXXX. XXXX sent us a letter stating that our next payment would be due on XX/XX/XXXX we made a payment to XXXX XXXX management in the amount of {$4900.00} on XX/XX/XXXX. Based on my records we are current, please correct this recording error. 

I am requesting Gregory Funding company to correct the error and bring the loan current.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: EQUIFAX, INC.
State: TX
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was the victim of a scam that resulted in XXXX being stolen from my checking account via XXXX. 

On this same day I went into my local PNC branch to report the scam and ask that they pending transaction be stopped. This was within the hour that the scam happened. I was told that they could not stop the transaction and that I would have to wait until it posted and file a dispute. 

On this same say I also filed a police report with the local police department. I have a case number and copy of report if this needs to be provided. 

On XX/XX/XXXX I contact PNC bank again via telephone to file this dispute. All information was given in regards to this scam including case report number. I was told that I would hear something within 10 days. 

On XX/XX/XXXX I received a letter via mail, stating that my dispute had been denied and I could ask for more information/details on why if needed. I attempted to contact PNC immediately because I do not agree with the decision that was made considering I was a victim of theft by deception. I spoke with a representative and voiced my complaints. I was told that I would need to speak with a manager and that they would have to take my information and someone would need to call me back within XXXX hours. I was not able to speak to someone immediately. 

I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX. I was told that she would no be able to help me. I asked to speak with someone that could. I was told that they dispute department does not speak with customers. My complaint at this point is how did they arrive to their decision if they never spoke to me about what happened. What type of investigation was done on their part? I insisted that I be put in touch with someone such as her boss and that my complaint be escalated. She told me that should would see what she could do and call me back that day. I was also provided with her contact information. I did not receive a call back from her that day. And have not since. 

The weekend was a holiday weekend and the bank was closed on XX/XX/XXXX in observance of XXXX XXXX XXXX. I made an attempt to contact XXXX XXXX on XXXX, XXXX, XXXX and XXXX with message left on voicemail. I still have not received a call back from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: LEXISNEXIS
State: OH
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.

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 non-monetary relief
Consumer complaint received 2023-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX Credit limit {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX 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 explanation
Consumer complaint received 2021-12-06
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/XXXX TO REMOVE THE INNACURATE INFORMATION ON MY CREDIT REPORT. I HAS BEEN A MONTH. I NEVER RECEIVED UPDATE INFORMATION FROM EXPERIAN. 
THIS IS A VIOLATION OF THE FCRA.

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 2019-07-17
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX The account listed is a charge off and is past the seven years allowed to be on my credit report. The information is also reported incorrectly. The dates and amount are incorrect. They have refused to remove or correct the information.

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 2019-10-02
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:
I have just reviewed my credit report and have realized that there are some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of these accounts and have no idea who would have access to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed 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 2023-11-02
Company: EQUIFAX, INC.
State: GA
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:
I have been a victim of identity theft since XXXX. The form of identity theft is aggressive and I have attempted to build a case with the Social Security office to potentially see if they could assist. I have been getting the run around for years and I am looking to regain control of my identity and my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on my credit report. 
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

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 2023-11-06
Company: EQUIFAX, INC.
State: VA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-09
Company: Netspend Corporation
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
I received a Brinks prepaid XXXX when I never requested one or signed up for anything that would've resulted in a card being sent to me. I feel that my privacy had been violated by them sending this card unsolicited.

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 2022-12-07
Company: EQUIFAX, INC.
State: NC
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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX, Phone ( XXXX ) XXXX The account listed is a charge off and is past the seven years allowed to be on my credit report. The information is also reported incorrectly. The dates and amount are incorrect. They have refused to remove or correct the information.

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 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The statute of time on debt collections is 7 years. The statute of time on debt collections in Tennessee is 6 years. There is an account on my credit report that has been reporting since XX/XX/2011. I have sent in multiple requests to have this account validated and I have received no response, it is past the time of debt validation and must be deleted from my XXXX, XXXX, and XXXX  credit reports. Please delete immediately. 

The Account : 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