BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: SYNCHRONY FINANCIAL
State: OH
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:
In XX/XX/2020, after holding this account for 7+ years, I found myself suddenly unable to make online purchases at ANY of the Dicks family of stores, or using the app. ( Dicks.com, XXXX & XXXX, and XXXX ) After multiple calls with Dicks, and Synchrony Bank customer service, I was told that the Mastercard branded cards don't actually work online ( This is after me making online purchases for the entirety of the life of owning this account ). I told them that not only is that not true, but that the Cardholder Agreement even states clearly, under Use of Your Acct : " You may use your account for Purchases from XXXX, XXXX XXXX XXXX, and XXXX XXXX Locations, including these brands In-store kiosks, OR online sites and from ANY merchant that accepts Mastercard ''. I believe that it is an Unfair and Deceptive Act/Practice. Only after not accepting the original information was I connected to someone at Synchrony that stated that a technical issues is what is causing a population of customers to no longer be able to use the cards online. They have not communicated any of this in any way, and could provide no indication on what the specific issue was, or when it may be resolved. I actually run a Credit Card program at a Large XXXX XXXX, and can not believe that this issue has been out there for at least 2 months without communication or resolution. Additionally the fact that you have customer service representatives telling customers that the card is unable to be used online is both a contradiction to the Cardholder Agreement, and to the issuer 's contract with Mastercard.

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 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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 non-monetary relief
Consumer complaint received 2022-03-19
Company: TD BANK US HOLDING COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
In XXXX, XXXX I purchased XXXX XXXX Door Shade for my home in Florida. I put a {$610.00} deposit on my TD Business Credit Card. I tried to get the company XXXX XXXX  and XXXX XXXX in XXXX, Florida to install in XXXX, XXXX and XX/XX/XXXX. In XX/XX/XXXX when they did not deliver on their contract and nothing was installed I contacted the cc company and started a dispute ( XX/XX/XXXX ). The " scam '' company sent an email to me saying they would not dispute the dispute and would refund the money ''. I provided this to the cc company., TD Bank XXXX Today, they denied the dispute due to the timing of the filing of the dispute. I am fully aware of the XXXX/XXXX timing guidelines. However, I was in good faith trying to resolve this with the company. I asked the Bank to " chargeback '' the deposit payment. They offered to file an appeal but nothing else. This would never happen with XXXX XXXX. XXXX values their customers and works to solve their issue. All TD did was spout timeframes for dispute filing to me. I have done my due diligence and contacted the bank several times, spoke to telephone reps as well as supervisors to no avail. Absolutely unacceptable since I have been trying to resolve following proper procedures since I exhausted every avenue to have this company XXXX XXXX XXXX deliver on their contact. I now believe this shutter company to be a " fraud ''..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2023-11-13
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
on XX/XX/25 I went to student aid.gov and applied for the SAVE program to see if it would greatly reduce my monthly payments. I did not realize that in doing so this would rectify my income for IDR programs. 
I have called Aidvantage and requested they REMOVE this recertification from my account and they refuse to do so, even though I am not due for recertification for 6 Months post the date of my loans becoming due. 
The woman I spoke with at AidVantage told me this was not possible. I know she is not correct because I made this mistake once before like 8 years ago and had the application removed or rejected by my loan servicer ( XXXX  at the time )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.

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 2022-03-18
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
RE ; # XXXX PHH Mortgage Services billed my XXXX sister ( now deceased from XXXX ) for insurance that was already paid for through her XXXX fees. This insurance has been paid by the XXXX  ever since she purchased the property in the XXXX 's. The overcharges were as follows : XXXX {$1100.00}. 
XXXX {$1100.00}. 
XXXX {$1100.00}. 

After filing with CFPB the PHH Mortgage Services admitted their error but only credited the reverse mortgage with {$1100.00}. from XXXX. They have yet to refund the two fraudulently withdrawn funds of {$1100.00}. each from XXXX and XXXX. These funds should be paid by check to her Estate which they have on file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX. 

# XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I attempted to apply for a CITI Aadvantage card on XX/XX/22. I received an immediate decline with the explanation of " Credit privileges on CITI Bank account are restricted ''. I have tried every phone number I can find online and spoken with several representatives who can not tell me what the statement above means or any resolution for it. The credit bureau that they said was used was XXXX, however, when I look up my XXXX credit report, it gives me a score of XXXX. 

I currently have a CITI Costco card, so it doesn't seem to make any sense as to why my " Credit privileges on CITI Bank account are restricted ''. Representatives at CITI Bank continue to transfer me to other individuals who tell me I've been sent to the wrong department.

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 2019-05-17
Company: BBVA FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I reported fraud on my account. The bank has not followed regulation E guidelines and credit the funds back to my account. I want the fraud charges credit back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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 reached out to the CRAs to dispute the accounts listed in my identity theft report but I have not received satisfactory results. I have had accounts opened in my name and reported to the CRAs due to Identity Theft. In accordance with 15 U.S.C code 6801 and 15 U.S.C. code 6802 and 15 U.S.C code 1681 my rights are being violated and my name is being tarnished. I am only XXXX XXXX XXXX and This is seriously affecting my life and i am requesting these accounts be removed from my consumer report immediately or I will be forced to take legal action.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: FL
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:
I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me,

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 2022-03-18
Company: MARINER FINANCE, LLC
State: VA
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 HAVE A FEW FRAUDULENTS ACCOUNTS THAT SHOWING ON MY CREDIT FROM BEING A PREVIOUS VICTIM OF IDENTNITY THIEF I HAVE PROVIDED THE XXXX WITH THE REQUESTED DOCUMENTS AS IN A POLICE REPORT WITH A FTC REPORT ALONG WITH MY DRIVERS LISENSE AND THE THREE COMPANIES WILL NOT SEND PROOF THAT THE ACCOUT IS MINES XXXX IS THE ONLY BUREAU THESE ACCOUNTS SHOWING UP ON THE OTHERS REMOVED THEM ALREADY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm trying to buy a house and the information that my credit is reporting unknown to me it's all health information which is also illegal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Allied Collection Services, Inc. (Nevada)
State: NV
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:
XXXX XXXX owner of XXXX XXXX XXXX used Acsi debt collection company to fraudulently obtain my social security number and personal information to incorrectly report an {$8000.00} debit as real-estate related which is completely false!

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 2021-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
XXXX  ; XXXX  and Transunion should not be reporting each Inquiry showing on my credit report as a separate line item. ( Please see pages attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are all like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report only ( 1 ) inquiry for each. I have contacted the bureaus to fix this however, I have not been successful.

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 2022-03-18
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Several years ago we were with XXXX car insurance. We NOTIFIED them that we were going to no longer use them for our car insurance. But someone on their end evidently did not put that notice in their system. So they tried billing us for a debt we did not owe! And we had given them over a month 's warning! Now they have put a debt collection agency on us for a debt we do not owe claiming we owe them {$230.00}! ( in fact they advertise about {$19.00} a month I think ). They are saying that this debt was owed as of XXXX. This is not true at all as we've been with another car insurance company for more than a year on a vehicle we rarely drive. In fact all this happened about the time of the pandemic. Now we are getting harassing letters from Kinum , IncXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Vi. XXXX phone XXXX threatening us ( and yes we are XXXX XXXX living off of Social Security! ). I had written them before this and yet they sent us a second bill. Even a stamp is expensive and now I'm having to use two stamps for a bill that we do not owe! I had written them before XX/XX/2022. They say that if we do not dispute the debt by XX/XX/XXXX then they assume the debt is correct. I can not provide the date we notified root, but it was about a month or two well before the annual bill was due. I received a threatening letter today even though I had notified them IN WRITING that we did not owe this outrageous debt! I am mailing back a SECOND notice to Kinum that we do not owe the debt! XXXX insurance AND this Kinum that we do not owe money to are trying to collect a debt that is not owed! This is XX/XX/2022 and I am now notifying them again that we do not owe this debt to them or to XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Village Capital & Investment LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In and around XX/XX/2022 I was contacted by Village Capital & Investment LLC XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : alleged loan # XXXX, assignment, sale or transfer. 
I sent this company a detailed 'CEASE AND DESIST ' letter explaining and evidencing my home was paid in full with a zero balance.

I explained to this company they are not a 1. Note Holder 2. they do not have a power of attorney bearing my bona fide signature 3. they do not have a contract bearing my bona fide signature 4. There is non existent a loan or mortgage and I never borrowed any money from anyone or company associated with them. 5. Village Capital & Investment LLC does not have a legally recorded interest in my property.

All communication from Village Capital & Investment LLC is Mortgage fraud, mail fraud, and extortion attempts.

To verify what appears to be a mortgage fraud and extortion scheme by this company I have enclosed a document entiled 'LOAN AFFIDAVIT ' to be signed and notarized by any officer of this company which will authenticate and evidence an existing loan, mortgage, being a Note Holder and legal contractual authority to contact me.

If the Loan Affidavit is not signed and notarized it will be evidence of criminal activity by this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Transunion was supposed to have deleted XXXXXXXX XXXX, XXXX XXXXXXXX and XXXXXXXX XXXX XXXX along with hard inquiries not attached to any accounts on my credit profile. Transunion told me I have to verify these accounts wasnt mine but when I asked can they send over information as to how they verified these accounts they denied mmm any information saying they can not be they dont have the information to do so. Transunion is a scam company

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 2023-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX experienced a major data breach which means everything on my consumer credit report was breached.

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 2023-03-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  XXXX : # XXXX, XXXX : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation