BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: NC
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:
This is a formal complaint regarding these items that have been violating my consumer rights to privacy and confidentiality under 15 USC 1681 section 602 A and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, 164. A consumer reporting agency can not furnish account without my written permission under 15 USC 1681 section 604 A Section 2. 
The list of accounts below has violated these rights. 
XXXX XXXX ( Only reported to XXXX ), XXXX XXXX XXXXXXXX XXXX ( Only reported to XXXX & XXXX ), XXXX XXXX XXXXXXXX ( Only reported to XXXX & XXXX ), XXXX XXXX XXXX, ( Only reported to XXXX & XXXX ) XXXX XXXX XXXX ( Only reported to XXXX & XXXX ), XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX ( Only reported to XXXX & Equifax ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Only reported to XXXX & Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: Experian Information Solutions Inc.
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:
This is my one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX. Please delete these accounts 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 2021-01-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I opened an account with XXXX XXXX XXXX XXXX Synchrony Bank in XX/XX/2019. They were offering special finance rates or promotional purchases. They gave me a credit line of {$1000.00}. I used this to purchase a few different items. All the items were eligible for the special offer.

I faithfully made ALL payments on time. When the first balance was due ( 6 months ) or
pay for the accumulated interest, I paid off the balance for these items. Shortly there after the lowered my available credit to what current balance was at that time. In doing so that caused my credit score to drop almost 30 points! I had no other changes. No job loss, no other credit issued and no late or missed payments. I reached out to them to inquire as to the reason. Their response was " We occasionally monitor our clients credit to determine credit worthiness. '' It was not true, as my score had not changed prior to them lowering my credit line. I check my credit report weekly and know for sure that there were no changes. In fact my score had gone up since opening the account 6 months earlier. 

I understand that this is their option. However I am most upset since they " DID IT AGAIN '' 3 months later. They ALSO did the exact same thing to my Wife 's account.

We have both contacted them without any success or change in account status. Their actions have caused us both harm. It caused us not to get an auto loan approved and the inability to apply for a new job. I feel this is an unfair and predatory 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 2018-04-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The XXXX account does not belong to 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 non-monetary relief
Consumer complaint received 2023-10-15
Company: LoanCare, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Electronic bill pay sent to XXXX XXXX XXXX  XXXX LoanCare LLC XX/XX/23 XXXX athe amount of {$2700.00} never posted to mortgage account. {$2700.00} is missing and loan servicing company, " LoanCare '' continues to string me along with requets for documentation I nor my bank, XXXX XXXX  XXXX, have been able to work with : LoanCare '' to find the lost funds and send back to checking acct. 

I even went so far as to set up a conference phone call with a manger from XXXX XXXX  and LoanCare. The manager at XXXX XXXX  could not even understand what LoanCare needed to find my funds and return to my checking acct. 

LoanCare recently purchased my mortage from another lender. This was the first payment made to this company. They have done nothing to assist. They continue to throw out roadblocks that I try to jump over to get my {$2700.00} back. No luck to this point. 

Meanwhile, i'm losing interest on the lost {$2700.00} every day. I have a XXXX savings acct where I hold funds until needed to pay bills. Interest rate is 5 %. 

A XXXX  search proves many more folks having similar problems. This mortgage servicing company is not customer friendly and has problems with lost payments. 

As I write this complaint, I have {$2700.00} sitting in limbo somewhere within LoanCare 's coffers not applied to my account. 

Please help. XXXX has been fine and has tried to work with LoanCare. LoanCare does not seem to want to work this problem out. Continue to ask for documentation I or XXXX XXXX  can not provide. 

Please Help! {$2700.00} is a lot of money just sitting lost somewhere with no one behind me to help find the funds and push back into my checking acct.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2022-12-19
Company: EQUIFAX, 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:
Under multiple U.S.codes the credit reporting agency/agencies have neglected to do a proper investigation and it is hurting my credit report and making it impossible for me to get things needed for me to live it is against the law for them to not do an investigation when asked and not remove the items that werent mines and failed to send me anything showing were a investigation of any kind was actually done on my behalf I ask for the cfpb to handle the his mishandling of my credit report by the agency equifax I disputed a inquiry XX/XX/2022 and got the results back XX/XX/2022 I need proof that an investigation was done I need proof that this is accurate and they refuse to do so I also read the law that states its a XXXX dollar fine for the mishandling of my report on each account that hasnt been investigated please help this is hurting me in multiple ways from being a provider to my family and costing me a lot of money due to the fact that things arent being handled by the reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 XXXX XXXX Account beginning in # XXXX, XXXX XXXX acount beginning in # XXXX, XXXX XXXX account beinning in # XXXX, XXXX XXXX XXXX account beginning in # XXXX, and XXXX XXXX account beginning in # XXXX have all violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consmer reporting agency can not furnish an 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 2022-10-12
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2023-07-26
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: Personal information incorrect

Complaint:
Experian XXXX XXXX XXXX, XXXX, TX XXXX ACCOUNT NUMBER XXXX REPORT # XXXX I received my report from Experian on XXXX XXXX and the following day on XXXX XXXX and told the person I don't live at XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Ar XXXX and the person refused to delete the address. They did not remove XXXX XXXX XXXXXXXX XXXX XXXX Ar XXXX or Update my Employer. 
Experian, 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. 

In accordance with the Fair Credit Reporting act. The List of account has violated my feIn accordance with the Fair Credit Reporting act. The credit reporting company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2021-01-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I financed a pool through Wells Fargo. I was told it's a credit card and I would get the card and statement in the mail. I never received a card or statement. I called Wells Fargo over 20 times in a course of a year. I was told that a statement and a new card is coming, it's on online banking so statements are on there, they couldn't verify my information, they also mailed me late notices but couldn't give me a statement or account number, the escalated complaint team assigned me a case worker that promised to fix everything. Yet nothing was ever done. The final call where I spoke to someone was that he is going to personally mail me a copy of the statement that he printed out. Then reach out to the credit department for them to remove the late payment marks on my credit because of Wells Fargo mistakes. Again that never happened. I called the agent assigned to Me probably 10 more times after that and never got a returned call. Wells Fargo put me into collections now and hurt my credit even more. I never got the card or a statement the entire time the account was opened. They promised to correct the issues but never did. I think It's very unfair that they don't give a statement or even verify an account number so I can make a payment. Then when I don't make a payment penalize me because of it. I can't make a payment without an account number. Then they hit my credit for their mistake. They even admitted it's part of the contract that I receive monthly statements but i never did. 
Is there anything I can do with this situation.

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 2023-09-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday I went to Citizens Bank in XXXXXXXX XXXX to get a mini-statement at the ATM. Instead of a mini-statement, I received a printout stating that my account had been deactivated. My wife and I had made a {$5000.00} deposit the day before so of course I was concerned. I had also linked my company 's XXXX account to the checking account. 
I came home and called the bank and spoke to the branch manager, XXXX XXXX. When I asked her for an explanation she immediately became hostile. In a condescending and aggressive tone, she told me that the {$5000.00} check did not meet XXXX Bank 's standards and that they had therefore deactivated my account and that they would hold on to the {$5000.00} for over a week. When I told her how ridiculous this was ( the check was from our XXXX XXXX account ) she became even more belligerent telling me in front of two tellers and a customer how much money I had in the account. When I asked to have my accounts closed she informed me that it did matter because I only had a few hundred dollars and that Citizen Bank would still hold our {$5000.00} even after I closed the account. 
When we called XXXX XXXX they were baffled. They informed my wife and I that XXXX XXXX was not " holding '' the check. Citizen Bank had cashed the check and debited our XXXX XXXX account. 
So, I closed my accounts at Citizen Bank. And- they now have our {$5000.00} to use however they choose for another week. The branch manager XXXX XXXX yelled my account balance inside the branch with a customer and two tellers in there. That is an invasion of privacy and they are still holding on to my {$5000.00}. We took the same check to a different bank and had no issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09
Company: ENCORE CAPITAL GROUP 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: Information belongs to someone else

Complaint:
midland funcding, llc and XXXX XXXX XXXX have robo harassed me in massive bulk, extorted me to no end, tried multiple times to excuse unlawful behaviour, even stated account info was incorrect- will not remove fraudulent information, and do not care- despite multiple lawsuits from the ftc. They operate out of five different offices, XXXX refutes all claims but has no factual basis backing thier replies. I can send people bills too- doesnt mean they are correct. XXXX XXXX, XXXX, XXXX XXXX XXXX owes this debt. Debt is beyond statute. Other erros remain on my XXXX files- the data does not meet fcra nor fdcpa compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 tried to contact TransUnion and XXXX by phone, mail and CFPB and the issues STILL hasn't been resolved. I am an authorized user on my mothers XXXX XXXX XXXX credit card. I've been an authorized user since she opened the card in XX/XX/2010. At one point it was reporting with all three company 's. For some reason Transunion deleted it and so did XXXX. XXXX is the only agency that is still reporting the card on my credit report. I've been told to contact XXXX XXXX multiple times which I did. XXXX  XXXX said nothing has changed on their end the credit agencies have to update their system and put it back. XXXX XXXX also sent a letter to Transunion two weeks ago and yet no change. This had a huge impact on my credit score because of their error and I am very unhappy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: NY
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 FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/XXXX

Company response to consumer: Closed with explanation