BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: OR
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:
After reviewing my submission I noticed that the Credit Bureaus stated that my accounts were properly investigated. How is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
I also noticed each agency lowered my credit scores after I filed a complaint of inaccurate and or unfair reporting/use. According to federal law and the fair credit act it is strictly prohibited to retaliate against consumers for requesting remedy or corrections to their reports. 

They also violated my rights under : 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

If these accounts and corrections are not made and removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.

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 2024-01-05
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mother passed away in XXXX of 2022. She left the home to me after I gave up my home to help care for her in her final days. The company intentionally refused to provide any information regarding a supposed mortgage on the property. When I called to make payments would not tell me what the mo thly mortgage is. When XXXX called to assist with the mortgage they refused to cooperate with them as well. They are now sending people out to harass me, a year and a half later, and actively trying to forclose on the home, without cooperation or accepting payments. I am a XXXX single mother of XXXX who also has a son who has a XXXX XXXX. I do not know why they would knowingly attempt to make us homeless when we were trying to work with them. When I spoke with several people, they can not find any proof that this mortgage even exists. So either they have paperwork issues, or they are an extremely corrupt company who targets people when tragedy strikes. Either way, they are in the wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2022, I was called by Chase Bank customer service. They stated my account had fraud and an unauthorized person was able to login to my account in another location. They stated I had to deactivate my account and create a new username and password. As we proceeded further the fake chase bank who identified as chase bank with their phone number and caller ID wired themselves money from my account. I did not authorize any of this. Nor did o ever receive anything from real chase bank to validate this wire transfer or label it as fraud. Chase bank did nothing to prevent ALL of my money from being wired to an account I never sent money to before. They 100 % impersonated chase bank employees using names, locations, numbers and ID numbers. I filed a claim to chase bank and they stated it was my fault. However, XXXX did nothing to prevent this wire. On top of this I reacted and was in chase bank on the phone with the scammer as it was happening. They did not react with urgency and did not care to do anything. They stated its my fault which is a lazy excuse to avoid helping a loyal customer. I am begging for help in receiving my money back as chase bank is the true issue here and not me. {$7600.00} was wire transferred to a XXXX XXXX XXXX bank on XX/XX/2022 XXXX est. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I got a copy of my three credit reports on XX/XX/XXXX and upon reviewing it I found an account that is listed in collections from a medical provider for {$110.00}. The claim on the report is that this was reported in XXXX of XXXX but I paid this in full in XXXX of XXXX. I have a copy of the invoice /bill with the credit card slip that shows the payment. The information in the report suggested contacting the CFPB. I called the agency and spoke to a representative and I'm now filing the complaint against each of the credit reporting company and the collector reporting it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-08-02
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I lost my cellphone was stole from a public bathroom. I notified the banks because they could have access to all the apps with access to my accounts. I also called pay pal and let them know of the situacin because there was unauthorized transactions and they still do not allow me to close the account. I provided the case number provided by the XXXX XXXX XXXX ( XXXX ) and let them know that I also dud a report with the FBI. The persn opened an account using my data but never received the card because they changed my address. They want me to be responsable when I let them know about the issue and they didnt closed the account as they asked. I have the following transactions XXXX XXXX {$150.00} XX/XX/2023 XXXX XXXX {$1.00} XX/XX/2023 XXXXXXXX XXXX {$4.00} XX/XX/2023 XXXX XXXX {$1.00} XX/XX/2023 In addition, here is a debit card I didnt solicit ending in XXXX from Paypal. 

No matter I even I sent email explaining the situation they keep responding in favor of merchant. 

I need pay Pal to close the account and make XXXX XXXX responsable because he is the one who stole the phone ( i confirmed his identity ). 
ACCOUNT : XXXX Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tied XXXX XXXXXXXX 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  XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I discoved on XX/XX/XXXX that I have been charged {$7.00} for XXXX on my Amazon.com store card, ending in XXXX, on the XXXX of every month since XXXX of XXXX. 

I previously had an account with audible that was canceled in XX/XX/XXXX. That arrangement was on a different card ending in XXXX. 

At no time did I authorize a membership or fee to be charged to my amazon store card ending in XXXX. 

Synchrony Bank is the issuer of the card with the unauthorized charges ending in XXXX. 

They have provided a provisional credit for current charges as well as the last two billing statements as they are required to by law. The employee, XXXX, stated that they will conduct an investigation for the charges from XX/XX/XXXX through XX/XX/XXXX ; a total of XXXX months. He stated that it may take up to 60 days for the investigation to be completed. I understand that they are allowed this time by law. 

The reason for my complaint is that XXXX does not show an active account for me at this time. I confirmed this with one of their representatives. I also have a screenshot of the account showing that the service was canceled in XX/XX/XXXX. So, for some reason, I was being charged on two different credit cards between XXXX and XX/XX/XXXX. The charges on my XXXX XXXX XXXX, ending in XXXX, which I never approved. Began in XXXX of XXXX and were still being charged to this card as of XX/XX/XXXX. 

I am happy to provide any documentation you may require. Thank you inadvance for any assistance that you can provide. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-11-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Negative 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  Experian XXXX XXXX XXXX - XXXX " Under the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, have a significant responsibility to handle consumer information with fairness, impartiality, and respect for privacy rights. As a consumer, I have the right to ensure that my private information is not shared, as supported by 15 USC 6801, which states that financial institutions must actively uphold customer privacy and safeguard nonpublic personal information.

According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies, including XXXX and Experian, are only allowed to furnish a consumer report when provided with written instructions from the consumer. As the consumer, I have not provided any written consent for these agencies or the financial institution involved ( referred to as " Furnisher of information to credit agencies '' ) to share my information. Therefore, any form of consent given to XXXX, Experian, or the financial institution, including verbal, non-verbal, written, implied, or otherwise, is now revoked. 

Additionally, as per 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their option to exercise nondisclosure. However, the " Furnisher of information to credit agencies '' did not inform me of this right. This is a violation of my rights.

Furthermore, according to 15 USC 1681C ( a ) ( 5 ), unless authorized under subsection ( b ), no consumer reporting agency can include any adverse item of information in a consumer report, except for records of convictions that are more than XXXX years old. The account being reported without my permission is considered an adverse item. 

In conclusion, XXXX and Experian, as consumer reporting agencies, along with the financial institution ( " Furnisher of information to credit agencies '' ), do not have my consent to furnish this information, and they have failed to provide me with necessary notifications regarding my rights. Furthermore, the reporting of adverse information without proper authorization violates the regulations stated in the Fair Credit Reporting Act. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

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 2023-01-11
Company: EQUIFAX, 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:
I've came to aware someone has been using my identity there are alot of false charges that i need to take action of ASAP starting off went identity theft, information in my report has been used against me, furnishing and reporting old information, Mixing files, connecting me to accounts and addresses that i don't eve know, incorrect information, unverifiable information, incomplete information there are XXXX address there are not linked to me in my report XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Possible Financial Inc
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Privacy Act of 1974 ( 5 U.S. Code 552a ) According to the record which means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. 

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to written request by, or with the prior written consent of, the individual to whom the record pertains. 

Charge off and Closed accounts are in violation of the fair credit Reporting Act and the Privacy Act of 1974. 
Furthermore I was not given notice to make the decision of opting out of the disclosure. 
Every company owes you a privacy notice before they furnish any information to the consumer report. 
XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  are not maintaining reasonable procedures. 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I AM OPTING OUT OF YOUR REPORTING SERVICES. '' Because of this violation and these consumers reporting Agencies have kept private information public. I have been affected. Systems have been breached and my Social Security number was stolen and other personal information like phone numbers, emails, passwords, is being used.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Why is this 7 plus year old debt that you sold to XXXX still on my credit it should not be. Please get this off my credit report.

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 2023-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-11
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
Customer representatives from PNC from the XXXX number that collect credit card payments told me that if I make the payments in the XXXX and XXXX is that what keep the account up to date and I wouldn't fall behind. Turns out that was wrong advice and I was very surprised when the account ran 30 days past due because it's never done that because I've kept up with it. Customer service gave me wrong advice as far as the minimum payments That's why the account fell behind or I would have made sure I kept it as current as possible. Please remove the negative information from the credit report as I'm in the process of trying to purchase a home and it could be detrimental to the credit report. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  account to Coinbase Inc at the instructions of the scammers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: SANTANDER HOLDINGS USA, INC.
State: NY
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 am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XXXX XXXX as reported by CHRYSLER CAPITAL with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to CHRYSLER CAPITAL XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : CHRYSLER CAPITAL XXXX

Company response to consumer: Closed with explanation