BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-13
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
In XXXX XXXX I opened an Ashleys card by synchrony bank. I purchased a sofa with my card and have made timely payments and have never been late. I kept some credit on the card in case I wanted to buy more furniture, however, Sychrony bank kept decreasing my available credit. To the point where I now had only {$600.00} in credit when initially, I had a {$2500.00} credit limit. Yet, I kept making timely payments. After I made XXXX payment, they added a {$900.00} interest rate charge to my account and over charged my account and this made my account go over limit. This isnt right, just overnight, they took away any remaining credit I had on this account. My balance was almost paid off and now this did this crooked transaction. This isnt right, I have other credit cards and Ive never had this happen. I promptly closed my account with these crooks.

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 2023-03-31
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$55000.00} XXXX  XXXX Balance : {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-19
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX, XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B. 

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose Respectfully, XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: TN
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 traded the vehicle and apparently their department took a while to process the check from my new lender. They called me everyday of the week after I told them I traded the vehicle stating that I'm still responsible for the payment until the check clear which is not true. XXXX  place a late payment in my credit report and days later sent me an email with the car being paid in full. 
I called and asked them to remove the late payment but they declined. I have no loan with this company anymore therefore they had the check in process which mean the late payment should be removed & account show paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-20
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I applied for a VA mortgage with Wells Fargo. We submitted all required documents and determined to be approved. Since we initially wanted to build a home we were told to we were approved for {$560.00}. The loan officer told us to get a builders contract and provide that contract once we get it from the builder. We talked to numerous builders and unfortunately the land we selected could not be subdivided. We decided instead of building a home we would just purchase a home already built. I called the loan officer and asked if we could change the loan type. She told us we could switch it with no problem and told us to look for a home. Once we found one and decided to make a offer we should call or email her immediately. We found a home that had a offer deadline because of multiple offers, called and emailed the loan officer with no response. Needless to say that home fell through. I received a returned call a few days later. A few days after that I got voicemail asking for us to call. I called and told very point blank that they could no longer offer us a loan. We were about 3-4 weeks into this process. Nothing changed on our reports, if anything our scores increased. She simply said underwriting decided they could not assist and this is how the process goes. I explained that the only way a loan decision could is if our DTI or score changed. Neither applied. I proceeded to initiate a complaint after researching that Wells Fargo is known and sued for denying minorities mortgages before and during the loan process hoping this was not the case that surely seems that way.

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 2023-06-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I had a hacker take control of my phone to get my XXXX back. He got into my Wells Fargo account and transferred funds through an app called uphold to himself. I never authorized any payment. The hacker used my identity to make the transactions and he told me they were codes to block external locations of a hacker in my phone. I reported this to Wells Fargo immediately. They told me as soon as the funds were posted they would issue me a refund. When the funds were posted I contacted them and they told me that they could not issue a refund because I made those transactions. I got escalated to a higher department and they then told me that wasn't true and I would get my money back. I called to check on my claim yesterday and they told me it was denied. I submitted my evidence that I didn't make the transactions as well as provided them with my police report and they told me since I had that much evidence I would receive a refund. Today I called to check on my claim and they said it was denied and would not be reopened because I made those transactions and there was nothing they could do. The amount was 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 2023-11-17
Company: EQUIFAX, INC.
State: MD
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 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 explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX I demand this account is deleted immediately for violating FCRA 15 U.S. Code 1681a ( 2 ) b Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit. 

I disputed this account over 45 days ago never received and notice of the investigation and its currently an FCRA violation I demand this account is deleted 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 2021-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Attached below is my notarized notice of intent to file a lawsuit that has been mailed to the registered agent of TransUnion, XXXX XXXXXXXX XXXX XXXX via certified mail, tracking # XXXX. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. TransUnion has violated federal by furnishing a consumer report on my behalf without following my written instructions and no consent is identity theft. Attached below is also my original identity theft report I have sent to TransUnion with all the fraudulent accounts and unauthorized inquiries that I have indicated to TransUnion as fraud over the phone which has been recorded and will be used as admissible evidence in court. TransUnion tried to deny me my rights to record but in Texas, you are allowed to record as long as one party is in agreement.

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 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-11-19
Company: EQUIFAX, INC.
State: TX
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:
Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including Equifax, XXXX, and XXXX must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to Equifax, XXXX, or XXXX by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, Equifax, XXXX, and XXXX are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, Equifax, XXXX, and XXXX are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.

Company response to consumer: In progress
Consumer complaint received 2023-03-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I had an outstanding balance on my XXXX XXXX internet services. I could not disconnect or close the account before traveling outside of US and therefore, incurred charges for couple of months ( XXXX 2022 ). I moved to a different address upon my return and got a new XXXX connection, beginning XXXX. I had been trying to make XXXX waive the charges since there was no use of internet. In XXXX, I noticed that the amount shows as " collection '' on my credit report. I called XXXX again and we agreed to settle for a reduced agreed upon final amount of {$100.00} on XX/XX/2022. As a result, my credit report from XXXX appears to have been updated but not from Equifax, as shown in my credit karma account. I disputed the XXXX account balance ( {$130.00} ) on my Equifax credit report, several times but keep getting the same answer that its correct. Please help me resolve this issue which has been affecting my credit score. I do not have a single late payment or any other unpaid debt in my credit history. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: Experian Information Solutions 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:
I have disputed bankruptcies on my credit report with XXXX, XXXX and Experian credit bureau for the second time. they are telling me that the information is being verified, I contacted the courts and they have informed me via a letter that they do not verify information as to whether people file bankruptcy 's or not so they did not get the information from them and that they would not give out that type of information because it is a violation of one 's privacy and I will attach letter that I received from the bankruptcy court. XXXX, XXXX and Experian has informed me via a copy of my credit report that they verified this information through a third party which is XXXX XXXX and per the FCRA 623 ( a ) ( 5 ) I a credit bureau can not validate the information on someone's credit report with the original creditor they must remove said information from the consumers credit file/report, I will also attach the letter that I sent in reference to this code. as per 15 USC 1681 there should not be any negative information on my report that is not accurate. I am a very concerned because my credit report is showing discrepancies, and I am a very concerned consumer. And want only true information about me reported. please remove these inaccuracies because you are in violation. and i was incarcerated at the time that these bankruptcy were filed.

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 2023-04-09
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a very valid dispute with Care Credit over a bogus charge a very unscrupulous dentist has attempted to stick me with an illegitimate bill. Had I not sought a 2nd opinion by an Ethical Dentist, I would have endured : 1 an unnecessary tooth extraction 2 several unnecessary fillings 3 a crown replacement by way of bridge which means more $ $ $ . This totals well over 10k, again all fabricated diagnoses. 

This same dentist wants me to pay for his in office dental plan after he cancelled me >just as soon as I requested my X-rays< that I wanted to share with another dentist. He canceled me ten days after purchasing his plan, and Care Credit continues to say I owe the bill. 

I must close this account down and file a lawsuit against synchrony bank because in my second report I made references to my recent negative experiences with THREE XXXX  trying to show all Ive recently endured with horrible unethical dentists, then found out soon after submitting that letter, Synchrony Bank is based out of Utah, home of XXXX & the XXXX XXXX. I do believe Im being discriminated against, and theorizing is all I can do since they refuse to explain why theyre siding with a thieving, lying doctor. 

They purposely disconnect calls to discourage you from calling. They lock you out of your account but then exclusively send all related documents to that account. They REFUSE to call or even email directly. They make it impossible to file a dispute, at least in my experience.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: NJ
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:
I DONT RECOGNIZE THESE ACCOUNTS 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 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accordence with the fair credit reporting act XXXX  Account # 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.

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 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Capital One froze my account because I made too many payments to my Visa. I made/make multiple payments because the credit limit is low and I preferred using this card to get the maximum rewards cash back. They refuse to unfreeze my account at this time because they need to call my banks ( XXXX and XXXX XXXX XXXX ) to verify my checking accounts / debit cards are really mine. They haven't been able to reach my banks with the numbers they have and will not call any other number that may be listed. I've done nothing wrong since these accounts are in my name only and have been targeted for harassment by Capital One due to my prior XXXX XXXXXXXX bankruptcy. I want this restriction removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX, XXXX has been trying to dispute these alleged account on my consumer report for months now and all ive been getting back is to verify dispute. ive sent all the required documents for these accounts to be blocked and remove required by law pursuant to 15 usc 1681 ( a ) ( 2 ). Transunion is a An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Pursuant to the definition section in the FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from the consumer report. FCRA 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. These violations can result is a fine for violating my consumer rights law. Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance your liable for up to {$1000.00} Each violation you committed. Also pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports I didn't give anyone permission to furnish my consumer report. The court didn't give you or the furnish the authority to furnish my consumer report. I the consumer didn't give you written instructions to furnish my consumer report if so provide the Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records.

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 2020-12-22
Company: CITIBANK, N.A.
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 got a notification that I opened a account with THD/CBNA. I have not opened anything recently

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