BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I informed XXXX, XXXX, TransUnion as well as debt collection agencies 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 , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. Transunion hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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 am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXXpresent and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 
XXXX {$270.00} XXXX {$930.00} XXXX {$760.00} XXXX {$420.00} XXXX {$700.00} XXXX {$630.00} 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 2021-10-24
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I had a target credit card many years ago. I was going over my credit report with my XXXXnancial advisor. We agreed that {$37.00} dollars was a petty charge-off and I should have paid it a long time ago. When I contacted the XXXX customer service line the representative informed me the report was inaccurate. She said a part of the payoff agreement was any late fees would be waived. She said the fees had never been waived. Target has contributed to the obstacles I have faced while trying to re-establish myself after a traumatic experience. I asked if I could have some type of confirmation of what we discussed, she told me that they didn't have a way to give me any confirmation that my account was paid off four years ago. The rep told me the pay-off will be reported the next time the company reported to the credit bureaus. 

I have tried to contact Target RedCard, but I can not get past the part of the automated system that asks me to dial my card number and press pound. I don't have a card number. I do not have an email address that works for me to reset my password to access my account.The carelessness of how my account was handled makes me feel like I was a victim of name and race discrimination by one of my favorite retail places.

I just spent {$200.00} in Target for house supplies and my XXXX XXXX XXXX effort to support pet abuse in the past week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$930.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} XXXX/XXXX  XXXX {$1500.00} XXXX XXXX {$870.00}

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 explanation
Consumer complaint received 2023-09-15
Company: Experian Information Solutions Inc.
State: GA
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 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 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 2021-10-23
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Ive owed a credit card debit that I started a payment plan with Synchrony Bank who is works with a law firm bt the name of XXXX XXXX XXXX and they started the withdrawling the funds each month until the last payment was not released or never taken out of my bank account while the funds was in there to cover the payment. Then they waited a whole year to go by and take me to court for {$64.00} and send the company I work for a XXXX of wage notice by the Court house raising the amount to {$130.00}. I've found over XXXX of complaints on XXXX with these two company doing the same to many more customers just to get more money out of us! THIS NEED TO BE PUT TO A STOP and needs to reported so others customers dont have to deal with this.

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 2023-09-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, a number of obvious fraudulent transactions were charged to my account, Chase made no attempt to properly investigate my claim and merely stated to me on the phone " they were consistent with my spending. '' Which is utterly ridiculous. There are over 50 fraudulent charges for {$28.00} at various speedway gas stations. My guess is my information was stolen somewhere while i was on a trip on the west side of Michigan. Either way, am i more than prepared to fight them on this. I know I'm not the only victim of these crimes and the bank has failed in my opinion to properly guard their customers against this type of fraud and failed to take my claim seriously by doing some cursory " investigation. '' Did they contact the merchant? No. Check the cameras? No. Did their " investigator '' even ask me any questions? No. They didn't ask me to do anything to strengthen my case even though I feel like its pretty open and shut. The point is, I feel like I can prove this wasn't me pretty easily and they aren't listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: Synovus Bank
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
FIRST PRROGRESS was informed that a prepaid card acct was fraudulently opened under my name and {$500.00} stolen from me in XX/XX/2021. 
After weeks of calls, they finally submitted a fraud report and ultimately settled in my favor. 
My XXXX was taken out, I disputed with my bank and ultimately First Progress was allowed to keep my money. 
I want either my bank, XXXX XXXX, or First Progress to refund my XXXX money immediately. 
First Progress claims they don't have it, but the bank cleanly shows they do. 
I have a XXXX son and can not afford to lose this money. I am a month behind on rent since this happened!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX - XX/XX/2018 As part of the military out-processing and contractual agreement all military members XXXX travel cards have to be paid in full to in order to be closed and out-processed. Member was out-processed citibank confirmed it through XXXX XXXX finance and I was able to receive my orders to retire bank card was shredded and it was all taken care of. A year later XXXX pops up on this same account that was suppose to be closed and deleted and now it's in collection as a discrepancy towards my credit report. The member has no access to such account or ever has since the day they out-process members from the military its been a year or more that has passed. Member was fully out-processed and confirmed through citibank that all accounts were in good standings. Policy with XXXX XXXX XXXX  and Citibank is if anything monies are owed these funds would be immediately withdrawn from the members last check from the military before any monies are allocated to the retired member based on strict policy with citibank and DOD finance. This member can not held liable for a mistake or misconception that citibank and XXXX XXXX XXXX  may have made more than a year after the member has fully out-processed and been cleared from both sides that were good. Almost two years later to tell a member they XXXX into collections is alot of money without warning is wrong and is not fair policy because their is no way for them to prove that this was done by the member because they were fully out-processed and confirmed XXXX balance before they left the military base and before they fully retired.

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 2022-12-23
Company: Experian Information Solutions Inc.
State: NJ
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 value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX 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 2018-03-20
Company: BBVA FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I applied online for a BBVA checking account under a {$200.00} cash bonus promotion that required the account be opened between XX/XX/XXXX and XX/XX/XXXX. Although BBVA did not open the account until XX/XX/XXXX, the bank told me I should be eligible for the promotion as I had applied during the promotional period. The promotion called for the {$200.00} bonus to be received within 60 days after the posting of a direct deposit of at least {$300.00} within 60 days of account opening. I satisfied the direct deposit requirement onXX/XX/XXXX. I have yet to see the bonus deposited to my account. I have reached out to the bank via secure e-mail and by phone to no avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XXXX at XXXX, Bank of America emailed me that my credit card was removed from XXXX XXXX. I checked and saw that my card was still there, but was unusable. I went to the BOA app where it said in red my card could not be reactivated. I was also unable to redeem my {$310.00} in rewards which I accumulated over two years, where in red it told me to contact BOA. I was unaware my credit card account was closed, until I called the BOA representative where even he was unable to explain why. The representative said he will send a letter today which includes the reason, but BOA system does not allow him or his supervisor to see the reason why, which is completely unreasonable considering how can he, or anyone assist me in that moment without the reason my account was closed. 

I asked what happens to my {$310.00} in rewards, which he told me he had no idea, but he was unable to process it. He said I could dispute it with the bank, but it appears that if BOA is unable to restore my account, that {$310.00} is forfeited which I can not accept. 

I received no warning, no advanced notice, and I always pay my credit card bills on time across BOA, XXXX, XXXX XXXX, XXXX, and XXXX. Nothing in my XXXX credit report reveals any wrong doing or financial misstep. I believe I am a victim of BOA malpractice because I am aware BOA recently went through a lawsuit of scamming customers, creating false bank accounts, closing accounts without legitimate reason, and withholding rewards. I believe I am now one of those people.

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 2021-10-23
Company: BARCLAYS BANK DELAWARE
State: OH
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Please provide proof that the bureau 's description belongs on my report, otherwise change to PAID 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 2021-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX, XXXX, and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC ( Original creditor : XXXX XXXX XXXX XXXX XXXX. ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Bread Financial Holdings, Inc.
State: PA
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:
On XX/XX/XXXX I received a consolidation loan from XXXX Bank and part of the loan proceeds, {$4900.00} were paid to Comenity Bank to payoff my XXXX XXXX XXXX account. XXXX Bank mailed the payment directly to Comenity Bank on XX/XX/XXXX, but Comenity Bank, never processed the check. On XX/XX/XXXX, XXXX Bank issued a replacement check payable to Comenity Bank and it was mailed by XXXX priority mail on XX/XX/XXXX with tracking to Comenity Bank. This payment was picked up by Comenity Bank at its XXXX post office box on XX/XX/XXXX as evidenced by a XXXX XXXX receipt. As of XX/XX/XXXX, neither, the original check nor the replacement check have been posted to my account at Comenity Bank. I have spoken to them several times over the last month, and they have never acknowledged having received the payment, and they have never provided a satisfactory response or try to solve this problem. 

Attached are copies off my documentation confirming my statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My complaint is with Synchrony Bank. This bank has arrangements with many merchants which have the effect, if not purpose, of sucking consumers into contracts with exorbitant interest rates and term which lock consumers into ever increasing debt. My specific complain is with Lowe 's and Synchrony Bank. I purchased a kitchen sink including installation from Lowe 's in XXXX, Texas for {$680.00} on XX/XX/XXXX with Reg Deferred Interest /With Pay Expiration Date XX/XX/XXXX, annual Percentage Rate 26.99 %. Nothing in the contract from Lowe 's mention Synchrony Bank. I guess Synchrony maybe a holder indue course. I do not understand holder in due course except it protects the bank or others from some liabilities. 

I think the agreement between seller and buyer should explain the obligation may be sold to a bank and the bank will not be liable. 

I have been paying on my account with Lowe 's or Synchrony as follows : my balance on XX/XX/XXXX was {$500.00}, my balance on XX/XX/XXXX was {$500.00}, my balance XX/XX/XXXX was {$500.00}. and my balance on XX/XX/XXXX was {$540.00}. I paid {$37.00} on XX/XX/XXXX, and {$50.00} on XX/XX/XXXX. 

Payment required for late payment {$38.00}. on XX/XX/XXXX. That calculates out to {$3400.00} annually on a {$500.00} debt or about 684 % annually. 

As a suggestion, sellers should be required to reveal all agreements between sellers and banks.

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 2020-06-13
Company: Mr. Cooper Group Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I had filed Bankruptcy Chapter XXXX but the mortgage was not included on the bk. Last year when I received the discharge, I was checking on my credit and realized that my current mortgage was never reported. Last year, I called several times to ask about this with no answer. This year I started pressing more and called on XX/XX/XXXX and XX/XX/XXXX and both occasions received a letter indicating that under RESPA will be receiving a response within 30 business days but until today no response has been received. 

In addition I had applied for a loan modification extension but it was rejected because when my current mortgagholder pulled out my credit I do not have credit score with XXXX  as a result of them not reporting to my credit bureaus affecting to be able to obtain credit with other creditors.

Company response to consumer: Closed with explanation