BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am complaining against Care Credit because the {$800.00} I agreed to pay back at {$27.00} am month I was doing with only being late in XX/XX/XXXXwhich I let them know and made up in XX/XX/XXXX. In XX/XX/XXXX my bill was at {$530.00} by XXXX it went to {$930.00}, which was a increase of {$390.00}. As of this month of XX/XX/XXXX, it is now {$980.00} and they are requesting that I owe {$220.00}. due for the month of XX/XX/XXXX. This is ridiculous, they told me when I had called them a few months ago that since I had not paid he original bill off by XX/XX/XXXX, interest is being charge on me. I did write them a letter to complain and I would report them, but they don't seem to care about that. I have continued to pay the {$27.00} each month by money orders but now the last letter they sent to me they claim they will turn this over to collections to pursue this debt if they don't hear from me by XX/XX/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 monetary relief
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 below has violated my rights. 

15 U.S.C. 1681 Section 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 an account without my written instructions. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXXXXXX XXXX  Account Number XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
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:
Was alerted through XXXX on XX/XX/23 that there was a hard inquiry to my credit report. Checked and sent that Bank of America had ran a credit check. I have no knowledge, did not provide consent, nor do I do any business with Bank of America. I immediately contacted Bank of America and spoke with XXXX who confirmed that someone filed an application using my stolen information for a XXXX XXXX XXXX. I advised XXXX that it definitely was not me and she went through the steps to dispute it on Bank of America end. I contacted all 3 credit bureaus to start the dispute process to remove the hard inquiry. This is gross negligence on Bank of America side knowing that the XXXX XXXX XXXX is a well known scamming system that steals people 's identity to fraudulently open credit cards.

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 2023-03-21
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft. I have supporting documents and details enclosed to verify my identity and to support my dispute about these fraudulent accounts. These accounts being reported on my credit report calls for action of deletion because these accounts show many inaccuracies or fraudulent charges not made by me across all 3 bureaus show that these accounts. I found incorrect addresses. This is in clear violation of my Fair Credit Reporting Act ( FCRA ). I ask that the accounts listed below be removed because its in violation of The Fair Credit Reporting Act. I ask that the accounts and inquiries be investigated thoroughly and removed to restore my good credit profile.

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 2023-07-07
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint against XXXX XXXX Bank regarding their repeated inaccurate reporting of late or past-due payments on my accounts. Despite my continuous efforts to rectify this issue, the creditor has failed to update my account information accordingly. 

I have experienced this problem numerous times with XXXX XXXX Bank, and despite disputing the information twice, the account verification has come back unchanged. This situation is not only frustrating but also damaging to my credit history. 

To provide you with specific details, I made payments to XXXX XXXX Bank on XX/XX/XXXX, with the respective amounts of {$110.00} on the account ending in # XXXX and {$96.00} on the account ending in # XXXX. I have confirmation of these payments from my checking account, which ends in # XXXX. Therefore, I can confidently assert that I am not late or delinquent on my payments. 

Despite the evidence of my timely payments, I was recently marked for XXXX as delinquent again by XXXX XXXX Bank. It is clear that there is a recurring issue in accurately reflecting my payment history, and the bank has been unresponsive to my requests for updating the account accordingly. 

I kindly request the intervention of the Consumer Financial Protection Bureau to address this matter and ensure that XXXX XXXX Bank accurately reflects my payment history. I urge you to investigate this recurring problem and take appropriate actions to rectify the inaccurate reporting. 


Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to resolve this issue and ensure fair and accurate reporting by XXXX XXXX Bank. I look forward to a swift resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: National Credit Systems,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 XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat payment on a credit card account under any open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Please remove the following fraudulent inquiries from my Transunion credit report : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/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 2019-02-08
Company: MONEY SOURCE, INC., THE
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:
12 CFR 1024.35 ( i ) : In the 60-day period after receiving an error notice, a servicer may not furnish adverse information to any consumer reporting agency regarding any payment that is the subject of the error notice.

The consumer provided a Notice of Error/ Qualified Written Request ( QWR ) dtd XX/XX/XXXX and TMS receipted the same Notice of Error on XX/XX/XXXX. The date TMS receipted the Notice of Error/ QWR starts the clock for 60-day period. Yet, TMS submitted derogatory information 30 day late payment to the Credit Bureaus on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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 checked my credit report and found information was incorrect. XXXX credit bureaus are required to verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). You have no right to these decline this reports as unaudited information unless you provide evidence within the time allowed by law. Due to inaccuracies in my credit report file, I need to investigate and correct the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and XXXX XXXX XXXX immediately : XXXX : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00}XX/XX/XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX XXXX Balance XXXX {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXX Balance : {$25.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: Kikoff Inc.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I contacted Kikoffs customer service department to let them know I had unauthorized charges on my checking account, in the amount of {$490.00}. At that time I asked if they offered a 10 day provisional credit if a decision or not to be made by then. The representative had told me yes. Two weeks went by and I still have not received a decision nor my credit. On XX/XX/XXXX I called customer service back and asked about my credit, and they proceeded to say they do not offer credits and since they are not the correct department, they could not help me. On XXXX I received a response by email from the support department and they said that it was still being investigated to give to them 60 days and to call the number on the back of my card if I had any other questions. I tried calling a couple more times, to see about getting a credit and each time I was told no. They said they do not fall under regulation E policies, therefore no provisional credit. If you look at my bank statement, their policy states if we take more than 10 business days to do this, we will credit your account for the amount you think is an error so that you were home for use of the money during the time it takes us to complete the investigation. So per kikoffs policy I was supposed to receive a provisional credit in the amount of {$490.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  ; Account # XXXX has violated my rights as a consumer. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that as a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-21
Company: The Savings Group, 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:
Unauthorized use of credit report in Inquiries section, XXXX XXXX XXXX XXXX XX/XX/2023, XX/XX/2023. 


Note : Submitted complaint to XXXX XXXX. to remove unauthorized inquiry on XX/XX/2023 ( CFPB # XXXX ). Due to request being > 1 month old, legal process to remove the information has begun. Third parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed my account with Citizens on XXXX XXXX. I kept receiving eNotiication alerts after account closing so I called Citizens on XXXX XXXX. They relayed that my XXXX XXXX  had a recurring payment and they had to re-open my account. The customer service rep said they will send a check and get the account closed. I asked them to send me a letter in writing that account was closed. I immediately updated my payment method on XXXX XXXX. On XX/XX/XXXX and XX/XX/XXXX, I received letters from Citizens for change of address. 

I received a letter on XXXX XXXX ( letter dated XXXX XXXX ) from Citizens that I have an overdrawn amount of {$3.00} and I need to pay it to close the account. I called Citizens on XXXX XXXX regarding this and they conveyed that a service charge was added because no deposits were made and the amount has now increased. They are unwilling to resolve this because of system limitations. 

Issues : 1. I willing closed my account and ended my relationship with Citizens on XXXX XXXX XXXX. After finding out in XXXX that a transaction was made, I rectified the payment method and have an email from the card that my payment method was updated in XX/XX/XXXX. Citizens shouldn't be charging service fees if they never obtained my consent about re-opening the account and for all intents and purpose I had closed the account and was conveyed the same ( yet again ) on XXXX XXXX XXXX. They are going to keep charging me the service fee unless I deposit money or settle which are not fair options given the account closure.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: PA
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 any 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 : {$190.00} XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 any 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 : {$190.00} XXXX XXXX XXXX Balance : {$400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX 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 non-monetary relief