BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
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 XXXX XXXXXXXX and 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. 15 U.S.C 1666B ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditorIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under SECTION 1637 ( B ) ( 10 ) OF THIS TITLE a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under SECTION 1637 ( A ) ( 7 ) OF THIS TITLE ) from the obligor

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 2022-12-29
Company: SYNCHRONY FINANCIAL
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:
I have repeatedly to to get a statement of l of my activity from Pay Pal. 
Synchrony Bank is now the new XXXX party financial institution that handles the old Pay Pal Credit account. 

I need detailed clarity on payments made to my Pay Pal Credit account ( Synchrony XXXX of all of my activity for XXXX. I need this ASAP.

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 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me.I am very annoyed and disappointed when I got my credit report just today.Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. I want this to be deleted from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX {$85.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: MN
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 Account # XXXX, XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I already have a case with CFPB. It's been over 15 days and I haven't heard anything. Actually it's been well over 2 years since I made the initial claim. Money was stolen from my account and if you look at the name of the person who stole it and you'll see he's since been arrested for fraud. If you look at the transactions my understanding is that he used XXXX XXXX  and paid from an account that is clearly not his both XXXX account and bank account. I have requested a new card and they have not sent that or corrected the issue nor have they communicated with 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 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 Account # XXXX, XXXX XXXX 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 2023-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied on XX/XX/ for the XXXX XXXX Capital One. And apparently the new Cardmember Offer was {$200.00} once you spend {$500.00} within the first 3 months but I didnt received that. I havent received any email about this offer. My friend referred me and I applied for the card and was accepted but did not receive the welcome bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion decreased my credit score XXXX points. When checking to see what has changed my XXXX XXXX went up {$2.00} dollars. 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 2022-04-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair Credit reporting act several companies have violated my rights. 15 USC section 602a states i have the right to privacy and 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm filing this complaint against Enhanced Recovery for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: TRUIST FINANCIAL CORPORATION
State: WI
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:
Per XXXX  website states im 30 days or more pass due of {$330.00} owed to regional acceptance ( car loan company ) I called regional acceptance today at XXXX spoke with manager name XXXX XXXX who emailed me a copy of my payment history with regional acceptance for XX/XX/2021 showed paid, XX/XX/2021 showing WaiveInt ( meaning i filed for this payment to be extended moved to the end of the loan agreement ( so this isn't due ). XX/XX/2021 showed paid. 

so im not pass due 30 days or more with regional acceptance!

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 2023-06-23
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
So I have had a paypal account for a long time. For some reason last XXXX they said they were limiting my account permanently and that I would no longer be allowed to use paypal. They said they were limiting my account because I filed repeated unwarranted disputes but I only ever filed one dispute. So I appealed any they never got back to me like they said they would. Well I promptly forgot about it until today when I wanted to make an on-line purchase and the vendor only takes paypal. So I was not able to make the purchase. I called paypal and asked again, and they said they refused my appeal and my account will remain permanently limited. I am basically locked out of doing business with any company that uses paypal for it's payment processing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Experian Information Solutions Inc.
State: MN
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 can you confirm yes or no XX/XX/2020 did XXXX  In fact remove both your accounts from their/ my credit file?? You are one bank reporting To 3 or 4 reporting agencies? What you report should be the exact same reporting so how are you refusing to delete the two tradelines from Experian??? 

XXXX  XX/XX/2020 can you confirm simple yes or no did XXXX  in fact remove your tradelines from their / my credit file?? Again you are one bank reporting to 3 or 4 bureaus?? What you report should be the exactly same reporting so how are you refusing to delete the two tradelines from Experian I tell you you and Experian are shady and you both going to get XXXX in court if you dont stop doing illegal XXXX. I give you both 24hrs to remove the XXXX illegal XXXX ask your friends over at XXXX  did they get XXXX up and I will do the same XXXX to you if the XXXX XXXX  cards are not remove today XXXX  XXXX  send proof that the two tradelinea were removed on those date. XXXX  XXXX you? 
Would you guys do this to your momma but again you both of two XXXX  XXXX  XXXX  XXXX  XXXX Seriously

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
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 informationisinaccurate

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 2023-02-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have contacted them via telephone and in writing. They are reporting that I filed a recent bankruptcy in 2020 causing me to be declined and or pay higher interest rates. I did not file bankruptcy in 2020. My ex husband filed in 2020 and I was by accident added by mistake. They quickly corrected the issue and closed the bankruptcy with me. My ex husband currently filed the bankruptcy and not me. The credit company has failed to correct this issue by removing the bankruptcy filed in 2020 by my ex husband. They fail to do anything with removing and its causing me to be declined bc of this error. Banks are looking that I filed bankruptcy in 2020 counting it has a recent bankruptcy. However, there is no court order showing a discharge of this 2020 bankruptcy but I did not file one. They also fail to remove inquiries that I have in writing disputed. I have a fraud alert on my credit which makes a company have to go through steps to extend credit. The companies have never called me and I have never done business with them. The alert was placed due to my ex husband using my social security number. The same companies are running my credit every month without getting authorization from myself. The credit agencies as well failed to protect my credit account even with several telephone complaints and filing concerns and disputes in writing. This is an issue with all 3 credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: Freedom Mortgage Company
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The mortgage is solely in my deceased husbands name. We are selling the house and title company has submitted all forms per state of Tennessee estate sale law. All heirs have signed and agreed to terms. 
Forms were sent on XX/XX/XXXX. Freedom mortgage continues to demand additional forms and deny having already received. They will not allow me, who is authorized to discuss account, or the title company to speak to a supervisor.

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 2023-07-18
Company: Navient Solutions, LLC.
State: MA
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 applied for borrowers defense thru the department of education. It was approved in XX/XX/2023 and refunds were sent out. Along with getting a refund for money paid towards these loans the loans are to be deleted from my credit report. I've contacted Navient directly multiple times by phone and email they refuse to delete the loans on my credit report. They in fact started emailing me demanding payment after I submitted my approval application letter. They call me every other day demanding payment as well. I tried to dispute it thru credit reporting companies and they still refuse to delete it. They've now added comments to my credit report stating the loan is accurate and it's in deferment that's now messed around with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Atlanticus Services Corporation
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2022 I received an Aspire credit card with an {$700.00} credit line. I was trying to build my credit and not aware of predatory lending practices. 
After one year of payments I still owe {$540.00}, but have paid a total of {$2200.00}. 
This should be criminal. I am sick over it and see no way out. 
I have not reached out to the company because I dont know where to begin or what to say. 
I destroyed my card months ago in hopes of paying it off and closing the account. It seems unreachable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: PR
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:
( See more details in the included document named Dispute not solved XXXX to Equifax. ) Equifax did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here. 
Additional Information and Documents About My Dispute to Help Equifax Resolve It : Dispute Is Not Solved, on Equifax XXXX XXXX : XX/XX/XXXX ; Confirmation # XXXX ; account on page XXXX o XXXX, and page XXXX of XXXX ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 

XXXX. My credit report is about this credit card account, still has to be corrected. 

- Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, XXXX every month while agreement was active, last XXXX payments in just XXXX on XXXX XXXX XXXX. 
Instead : XXXX REPORTED XXXX LATE PAYMENTS!!!! 
See Equifax XXXX File Included page XXXX o XXXX and page XXXX of XXXX - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. 
just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages XXXX - XXXX ( pages XXXX pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX XXXX XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the XXXX monthly payment of the Certified Payment Agreement was XXXX 

No matter this Equifax XXXX XXXX of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see Equifax XXXX XXXX page XXXX - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The XXXX letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. 
- The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female XXXX at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. 
I believe this payment was made by myself at XXXX main branch in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Experian Information Solutions Inc.
State: MI
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 asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States I have right to privacy. 15 U.S.C 1681 section 602 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 2023-05-24
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I checked my credit report profile on my XXXX time to time and I notice an update on my account that I do not recognize that is why I am reporting that accounts are not mines and should be investigated furthered and remove from my credit profile thank you

Company response to consumer: Closed with non-monetary relief