BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In XX/XX/2020, I discovered that I had become a victim of identity theft. After being denied for a credit card, I checked my credit report and saw several ( 22 in total ) student loans that had been taken out in my name totaling $ XXXX. All of these loans are open and have not been paid on for years resulting in them continually gaining interest. I sent in a letter notifying all 3 credit bureaus that my identity had been used fraudulently, along with a FTC affidavit and a police report but they refused to block the account stating that it was " validated ''. When asked why they refused to block the accounts when I'm showing adequate proof that the accounts were not mine, and provided them with the proper documents needed to have the accounts removed they declined to answer. 

I followed up by requesting that the creditor provide me with details on what method they used to " validate '' the account, all while forbidding them from using E-Oscar to do so but they disregarded my request and sent another letter stating that all 22 accounts were validated. I specifically requested that they provide me with physical proof of a contract with my signature showing that the debt is mine but again, they ignored my request and continue to state that the debt was " validated '' with no physical proof nor explaining which method they used to do so. 

Recently, I sent in a letter of Notice to Furnishers of Information to the creditor to let them know that per the FCRA, they MUST report accurate information only and once again, they ignored my claim and continued to state that all accounts were " validated ''. Time and time again they have continued to violate the FCRA guidelines.

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 2020-06-16
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had an account for an Old Navy credit card through Synchrony Bank ( formally GE Capital ) that was opened around XXXX. Due to loss of income, the account became delinquent within a few years and was closed. In XX/XX/XXXX, I paid off the account with through XXXX XXXX XXXX XXXX. This agency supplied me with proof of payment that I still have. Within about six months I began getting calls from a different collection agency about this account and provided them with the proof of payment. Since early-to-mid XXXX, this paid-off debt has been sold over and over again to at least three different ( if not more ) collection agencies. Every time I am contacted by a new collection agency I supply them with the proof of payment but within a few months, I am being contacted by a different agency. I have contacted Synchrony Bank on several occasions and every time I am told that my account has been sold to a different debt collection agency. On XX/XX/XXXX, I received a threatening call from who I assume was a scammer who had my personal information including my social security number and address. This caller who claimed to be working on behalf of Synchrony Bank threatened me repeatedly. I once again contacted Synchrony Bank trying to resolve the issue and was informed that my paid off account was sold to XXXX XXXX XXXX agency. Synchrony bank continues to refuse to help resolve the issue. I have offered multiple times to send the proof of payment but they continue to refuse. This account is not reflected on my credit report but I am being threatened with lawsuits at least twice a year for a debt that I have paid. I am attaching a copy of the proof of payment.

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 2022-02-15
Company: AES/PHEAA
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Each and every year, I need to resubmit paper work to my student loan servicer to requalify for XXXX XXXX XXXX ( XXXX ). At least twice in the past, the servicer has either not filed the paper work in a timely manner, or completely lost it. This has resulted in interest being capitalized onto my loan. The first time it happened ( they lost or forgot about my application ) I called customer service, and they reversed the capitalization. The second time, last year, they were given the paper work in time ( more than 10 days ahead of the due date ), but did not process it in a timely manner. This resulted in interest capitalization onto my loan. I called customer service, and was not able to get any help at all. They would not even listen to my issue. I then sent a letter, with proof of my timely submittal, but I have not heard any response. 
Not only is the capitalization an extreme burden to me trying to pay back my loans, but each time XXXX does not process my paperwork in a timely manner, the actual terms of my loan are reset to essentially zero. All of the work I had done in the past to keep things straight and on time is ruined, AND they get to charge me more for the loan. It's almost as if it is in their interest to not file my paperwork on time. It makes them more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: PA
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 Fraudulent account appearing on my credit report. XXXX. XXXX XXXX XXXX This account was removed from my transunion account immediately please remove from experian and XXXX as well.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: NY
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:
XXXX XXXX XXXX 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. 
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt. 
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER

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 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
CHILD SUPPORT ENFORCEM 1 POTENTIALLY NEGATIVE MONTH Balance details Paid off - Balance {$41000.00} Balance updated XXXX XXXX, XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX Account type Family Support Status Collection account. {$41000.00} past due as of XXXX XXXX. 
Status updated XXXX XXXX Past due amount {$41000.00} Original balance - Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 1 Month Company sold - Contact info Address XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt.

ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER

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 2023-04-13
Company: CBC Companies, Inc.
State: FL
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:
The credit Bureaus stated my accounts was properly investigation but how is that possible if the open date is inaccurate. the date last and last reported is not accurate, This is ground for removal they also violated my right under 15 U, S, C 1681 section 602A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also that a consumer reporting agency can not furnish a account without my written instructions. 
In accordance 's with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. 

XXXX XXXX XXXX XXXX XXXX DATE XX/XX/XXXX XXXX XXXX  XXXX  ACCT XXXX DATE XX/XX/XXXX {$730.00} XXXX  XXXX  ACCT XXXX DATE XXXX {$980.00} XXXX XXXX / ACCT XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXXXXXX XXXX XXXX  ACCT XXXX Date XX/XX/XXXX {$780.00} XXXX  XXXX XXXX  ACCT XXXX DATE XX/XX/XXXX {$620.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted company to ask, if my name be removed from mortgage through divorce in XX/XX/XXXX. Told me, I could that coborrow can take full responsibility of loan, if paid on time for 6 months. I contacted to have this done. Someone had to check with someone else, said yes the loan is summed up. Please submit the request in writing with his signature. In XX/XX/XXXX. Snet the information. Then told me need3d divorce decree. I sent that information in XXXX. Then said, I had to send a email ticket request. Nothing ocurred. I contacted and emailed every month with an update. Different answer everytime called. Then said, never got anything. Which we did. They emailwd me the exact paper i sent them back that he needes ro fill out. Then last time I spoke said it could take 6 more months, ehixh I know was a lie because they wanted me to stop calling. It has now been over a year. Nothing has changed! I am sick of the circles. Getting nowhere, transferring, different answer everytime, emailing, and calls. They lied and the calls are recorded.

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 2018-06-20
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This debit collector is in violation of Hipaa Act of 1996, by sharing detail information of a medical procedure. Facing fines up to a {$1000.00}, payable to me. Even possible jail time. I contacted them for the last time XX/XX/2018. I asked them to remove and they refused. I have forwarded all necessary documention to support this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is having the CFPB XXXX a valid Dispute as duplicated when this form of dispute has never been done. by law this company is required to uphold the FCRA Section 609 which they have obviously failed to do on their end, they mark it as duplicated, but have not shown one ounce of evidence how it is duplicated, they are throwing all of my disputes in the garbage, which is highly offensive, Experian claims they know the laws, but they have not shown XXXX iota of interest in abiding by them, I am resubmitting this dispute again with XXXX, XXXX, at XXXX. Under Section 609 of the Fair Credit Reporting Act, Experian is constantly refusing to send me any and all records I have a right to see, just so they can continue to violate the FCRA. They provided me with no evidence it is valid debt, they have not provided me with any explanation as to why they have not submitted any documents within the 30 day time frame as stated in the fcra, the only thing they continue to say is ' we have a right not respond to your requests " .. that's not how the bureaus are supposed to be doing business. I Have a federal Right to Dispute inaccurate information, and have it removed from my credit report. And Experian is interfering with that.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is to inform to the CFPB of the bad practices TransUnion has caused to my consumer credit report today. Thursday XXXX XXXX XXXX as I was reviewing my personal information on TransUnion, I have noticed my name spelled incorrectly. on my personal info also as know is showing a mis spell name by the name of XXXX XXXX XXXX I decided to call TransUnion to inform the name off XXXX XXXX XXXX which this name is in accurate. I have spoken over the phone with a representative and she mentioned that in order to change the name that appears incorrectly on my TransUnion credit report she needs to generate information from her system and since the information wasnt generated. by her policy, they can not remove the inaccurate name showing on my credit report. Even though she had verified my information over the phone she was discussing my credit report. it does not make sense for me to mail my information if she already knows the right person she's talking to. I have verified my information over the phone to TransUnion she will not remove that inaccurate name showing on my credit report. I have provided in the past my Social Security. my change of address and my California ID. TransUnion that information is on her system and if my information wasn't in her system why do I receive mailing correspondent to the address. and yes, I do have a security alert on my TransUnion as a consumer I am requesting a removal from that inaccurate information you as a creditor is to make sure that the information you furnish is accurate not 95 % but 100 %. I have provided you with the information you requested. your job is to remove my information that is inaccurate as soon as possible. is causing me problems. remove it is spelled incorrectly. and update my original address and eliminate the old address which this XXXX XXXX XXXX # XXXX XXXX XXXX ca XXXX does not received any correspondent mail anymore. 
thank you. 
Sincerely : 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 non-monetary relief
Consumer complaint received 2017-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
MY ATTORNEY RECOMMEND THAT XXXX XXXX XXXX DO A CREDIT ACCOUNT REVIEW ON XXXX  ONLY! AUDIT TRAILS AND PROFILE DATA IN CORRECTLY MATCHING CAPITAL ONE INFO. 

WHEN APPLIED FOR THE 2 CARDS THEY PULLED A 4-1 ON ALL 4 BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

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 2020-06-15
Company: TD BANK US HOLDING COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX, I faxed a dispute form to TD Retail Card Services ( aka XXXX XXXX XXXX  ) disputing the full amount of their claim ( {$3400.00} ). I provided them with the correspondence from the customer service department at XXXX  XXXX stating that I would not be charged and would close out my account. XXXX  XXXX has never responded to the email from their CS representative ( original dispute attached ). Since this time I've submitted a second dispute dated XX/XX/XXXX, which has also never been addressed ( dispute attached ). As recently as XX/XX/XXXX I spoke with XXXX ( ID # XXXX ) and she confirmed that my dispute is still under review as was last looked at on XX/XX/XXXX. I received a letter dated XX/XX/XXXX threatening me with collections, even though they've not responded to my dispute in almost 170 days. On XX/XX/XXXX they assessed a late charge of {$16.00} and on XX/XX/XXXX another late charge was assessed for {$38.00}, not even 30 days after the first. Per the Fair Credit Billing Act of 1974, while a debt is in dispute no threats of collections or late fees may be levied ; yet, they are doing so. I've also send electronic communications on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( all attached ) and the response has been that they will resolve the matter in no more than 2 billing cycles, or not greater than 90 days. I've still not received a letter on any ruling on the dispute and XXXX  XXXX corporate is not responding to TD Retail Card Services. This is now clearly in violation of my rights under the Fair Credit Billing Act of 1974 and I'm owed {$590.00} that was remitted on XX/XX/XXXX to ensure that my 37+ year pristine credit history and exceptional credit rating is not tarnished due to their lack of execution of my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My husband and I received a business deposit to our Marcus CD account ( XXXX ). We were not aware that business related deposits were not allowed, and promptly transferred the funds into our Marcus savings account ( XXXX ) and then called Marcus to initiate a transfer transfer for the funds to a business account that Marcus had linked ( Marcus linked and unlinked the business checking account with me on the phone, and called to verify I gave them the " ok '' to send funds there ). Marcus did not transfer the funds and told me my savings account would be closed ( with {$410000.00} in it XXXX as business related transactions are not allowed, which I completely understand. 

Instead of returning the assets to me via check as stated in the account agreement, Marcus said that the original funding institutions needed to request the funds back. They instructed one external institution who had funded the CD account to request the funds back from our savings account, which that institution had even send funds to before. The external institution tried to request the funds back ( from both the CD and Savings ) and were not successful and received an " account frozen '' and " account closed '' code.

Marcus isn't able to send the funds back to the originating institution themselves as it's beyond the time period where they could reject an incoming deposit. They are aware that it's also beyond the time period where the originating institution could request the funds back, and that they won't be able to do so from either account ( especially the savings account, which they never funded in the first place ). 

Marcus by Goldman Sachs is part of a wave of online banks force-closing accounts and not returning assets to boost their balance sheets, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: MD
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 # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ), # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief