BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I present the following two ( 2 ) PayPal credit disputes : 1. XXXX : On XX/XX/XXXX I was required to place an order for custom shoes ; where as, the merchant instructed me to place then write us all changes, we will don it for you. Then on the XXXX, I requested instructions on size measurements, and informed the merchant of my desired changes and shipping terms on the requested model shoe # XXXX. On the XXXX, the merchant informed me that both the upper and lower parts are made of black leather not fabric. In response, I informed the merchant that I wanted to cancel the order - and in the merchant 's response was the " refund has been issued ''. To this point in time, there has not been no refund of {$230.00}. 

2. XXXX- XXXX : Prior to the above instance, on XX/XX/XXXX, I purchased an XXXX Training Tutorial based solely upon that merchant 's PayPal advertisement " Promise that for any reason you're not satisfied with the Tutorial and if you would like a full refund, please submit your request within 30 days of purchase. I purchase said tutorial based solely upon merchants ' advertisement assertion of their : " promise '' of their 100 % no questions asked money back guarantee '', if refund request is made in within 30 days " we will refund your original payment method with the full amount ''. On XX/XX/XXXX and XX/XX/XXXX respectively, I respectfully requested said refund of {$190.00}, to no response. 

Therefore, I hereby respectfully request ( CFPB ) to review and investigate this pattern of Merchants ' coercive purchase order behavior and Merchants ' false advertisement practices under PayPal 's herein alleged vague, ambiguous, and biased consumer review under the PayPal dispute resolution process.

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 2023-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
XX/XX/2023, someone opened a Bank of America credit card in my name, in the amount of {$16000.00}. I have NO knowledge of this nor did I open this account. I reported it immediately to Bank of America. They put an alert on the credit card and closed it. Five ( 5 ) days later, XX/XX/2023, someone opened yet another credit card account in my name, in the same amount, {$16000.00}! I was never notified of this credit card, until I received an email from Bank of America. Someone had credit card sent to my old address in XXXX  I reside in XXXX. I contacted Bank of America again, but they would NOT close the account! Stated that I had insufficient information and didn't correctly answer their security questions. I notified all three credit bureau agencies both times and have a FREEZE on all three reports. Bank of America refuses to close the credit card account in my name, that is now shown on my credit reports, when this is NOT my account.

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 2023-01-18
Company: NAVY FEDERAL CREDIT UNION
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXXot notify me 21 days before my payment date on any of the XXXX accounts they reported late payments on. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 



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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.

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 2022-04-22
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My vehicle was repossessed and sold at auction by my original creditor and {$700000.00} was left over and charged offed. XXXX XXXX XXXX took over the debt and file a judgement against me in XXXX every seven years and never once notified me or serve me to come to court.I received a letter XXXX XXXX at my mothers address that a judgement was file against me in amount of {$22000.00} .The interest and fees have added up against me for over 20 years.I call the debt collector office about this letter that only had a case number and no court information about what county this was in. I called around and found the court by using the case number that is on the letter.I have been lied against and never notified or severed to come to court and this has impacted my life with credit and my financial well being for over 20 years because the debt is still adding interest and fees everyday and it will never give me a chance to pay off this astronomical amountXXXX and XXXX have destroyed me financially by doing damages behind my back and I never knew this was taking place.Please investigate and allow me to take legal action for the damages this has cause my life.I want the judgement dismissed from my name and record.XXXX and a XXXX and ford motor credit have a history of pulling these offensive acts against consumers for years and need to be stop.Their XXXX XXXX XXXX record has a log of all cases that they have cause damages against consumers for years!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
RUSHMORE STATES THAT THEY RESPONDED TO NUMEROUS COMPLAINTS THEY FAIL TO MENTION THAT THEY JUST PICK AND CHOOSE WHICH PARTS OF THE COMPLAINT THEY ADDRESS 1 ) THEY SOLD MY HOME FOR {$100.00} TO XXXX XXXX APPRAISAL IS OVER {$350000.00} AMOUNT OWED IS BETWEEN {$220000.00} AND {$260000.00} 2 ) THEY SENT PAYOFF LETTER THE DAY OF THE SALE AND STATED IT WAS GOOD UNTIL XX/XX/2018. WHEN I CALLED REGARDING THE LETTER BEFORE XX/XX/2018 THEY STATED SORRY HOUSE IS SOLD LETTER IS IRRELEVANT 3 ) ALL PAPERWORK WAS NEVER SERVED ON XXXX XXXX ( LACK OF JURISDICTION ) 4 ) PAYOFF AMOUNTS ARE NOT THE SAME ON ANY PAPERWORK LAWYERS HAVE ONE AMOUNT RUSHMORE ANOTHER AND THEY DISREGARDED ALL REQUESTS TO EXPLAIN 5 ) THE MODIFICATION PAPERWORK WAS IRRELEVANT AND A JOKE THAT THEY OFFERED IT BECAUSE AS STATED IN THEIR OWN LETTER THEY DO NOT OFFER MODIFICATIONS FOR HOMES AS DELINQUENT AS MINE ANY MODIFICATION OFFER WAS FRAUDULENT BECAUSE THEY KNEW THEY WERE NOT GOING TO ACCEPT IT. 

6 ) ALL ASSIGNMENTS ON THE MORTGAGES ARE FRAUDULENT. THEIR OWN ATTORNEY STATES IN CORRESPONDENCE THEY DO NOT EVEN KNOW WHERE THE NOTE IS. 

HOMEOWNERS NEED TO LOOK AT THE REFEREE DEEDS AFTER THE SALES TO SEE WHAT THEIR HOMES ARE BEING SOLD FOR

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. The following account is not mine AMEX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX HON Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 
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 item of information, other than records of convictions of crimes, 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. 
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern, let me first state that this account was deleted on XX/XX/XXXX Experian report # XXXX and had not been reporting since until XX/XX/XXXX 4mo later it appear back on my credit report with out justification other then I opened a dispute ( on a deleted account ) which I never did because the account was deleted there was nothing to dispute account had been deleted back on XX/XX/XXXX how is this possible? XXXX has had muitiple chances to correct this account and did not and or did not respond in time allowed by law so account was deleted. Now Experian has allowed XXXX to place account back on my Experian report still reporting false information. I have attached 3 reports a report of account being deleted on XX/XX/XXXX, report of XXXX response letter of XXXX records stating account charged off XX/XX/XXXX and the actual Experian report shown that XXXX is reporting to Experian account was 120days late on XX/XX/XXXX not charged off among other false information! I also called Experian talked to XXXX a special handling department rep and he advised me to make a FTC report so it would block XXXX from reinsterting account again once I made another dispute so I did and I will also attache FTC report as well I understand XXXX is paying for Experian service but Experian has a lawful obligations to insure the information being reported to Experian is in fact true!

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 2022-04-21
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge in the amount of XXXX from XXXX XXXX XXXX his my credit card on XX/XX/XXXX. I saw it on my statement on XX/XX/XXXX and contacted Wells Fargo immediately. I tried to call the number they provided for the vendor and it was a recording to contact your contractor directly and hung up. I called Wells Fargo on XX/XX/XXXX and filed a fraud report for the charge. They then said the charge was a famous Rock climbing place and was in line with how I go skiing with my kids and would not refund it and I would be liable for the charge. They then charged me back in XX/XX/XXXX. They gave me no other information, receipt or ways to contact this XXXX XXXX XXXX. I did not charge this or receive any services or even know who they are. I have tried to dispute again with Wells Fargo and they refuse. I have filed a complaint with the XXXX and gotten no where. This is a lot of money for me as I am a single Mom with XXXX children. Please help. 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 2018-10-24
Company: BB&T CORPORATION
State: UT
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:
This is a credit pull I never authorized.

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY 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 2022-12-27
Company: EQUIFAX, INC.
State: WA
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 a Victim of fraud, my identity was exposed on the dark web, as my ssn, address, dob, and name from the XXXX Equifax data breach and the XXXX data breach. I demand all these accounts be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over XXXX points. I demand immediate removal failure do so will result in XXXX per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting. 

I have also attached an FTC REPORT FOR YOUR REVIEW.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
Transunion has furnished my personal information on their platform without written consent from me, that is a violation of my Consumer Rights, code 15 U.S Code 1692b. ( 2 ) This negative information has resulted in a negative impact on my financials and credit worthiness. I have attached Exhibits that prove i was denied because of the negative information Transunion has furnished on my Consumer Report without Written permission from Me the federally Protected 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 2023-04-29
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Franklin Services have attempted to collect a debt and I have never done business with this company in which they have directly obtained my personal identifying information in order to collect a debt not owed. On XXXX XXXX I received a collection notice from FRANKLIN COLLECTIONS in regards to doing business with XXXX XXXX XXXX in the amount of {$60.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ;

Company response to consumer: Closed with explanation