BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-27
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: OH
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 following companies have violated my rights : XXXX XXXX  Account : # # # # # # XXXX XXXX XXXX XXXX XXXX Account : # # # # # # # # # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX Account : # # # # # # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account : # # # # # # # # XXXX XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX - XXXX XXXX Account : XXXX XXXX XXXX CARD Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX, XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX XXXX 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 : also states a consumer 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 explanation
Consumer complaint received 2016-01-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
ANY CREDIT CARD THAT I HAVE THAT IS SERVICED BY SYNCHRONY BANK ALWAYS INVOLVES STATEMENTS THAT ARE NOT MAILED, LATE FEES, AND BOGUS INTEREST ADDED TO MY ACCOUNTS I RECENTLY HAD AND REPORTED AN ISSUE ON MY BP ACCOUNT. I FULLY PAID THE BALANCE AND CUT UP THE CARD BECASUE IT WAS SERVICED BY SYNCHRONY. I HAVE WRITTEN LETTERS TO BOTH BP AND VISA TO LET THEM KNOW THAT SYNCHRONY IS DAMAGING THEIR BRANDS WITH POOR SERVICE AND CHARGING FAKE FEES. NOW THE SAME THING HAS HAPPENED WITH MY WIFERS JC PENNEY CARD. TO MY SURPRISE WHEN SHE CALLED THE JC PENNEY NUMBER ABOUT ANOTHER ERRONEOUS LATE FEE, SHE WAS ADVISED THAT SYNCHRONY HAD TAKEN OVER SERVICING. I HAVE NOW PAID OFF THAT CARD AND CANCELED THE ACCOUNT. I WILL NOT DEAL WITH SYNCHRONY AS A SERVICER. MY FICO SCORE IS PRISTINE AND I HAVE NEVER HAD ANY ISSUES WITH PAYING BILLS UNTIL SYNCHRONY TAKES OVER SERVICING. PLEASE INVESTIGATE. FOR EVERY NOTE YOU GET LIKE THIS, SYNCHRONY IS RIPPING OFF UNWITTING, AND UNSOPHISTICATED CREDIT CARD USERS. THEY ARE ALSO LIKELY SCREWING UP USERS FICO SCORES. TO BE FAIR THE REPS ON THE PHONE ALWAYS REVERSE THE LATE FEES SO THERE IS NO FINANCIAL LOSS. MY CONCERN IS HOW MANY OTHER CONSUMERS THEY ARE RIPPING OFF WITH THEIR MAILING AND POSTING PRACTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 non-monetary relief
Consumer complaint received 2023-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2023 I received a text message from Bank of America about a fraudulent charge on my account. I didnt respond. Then I received a phone call from Bank of America, but I didnt answer. One the second phone call I answered & was told there was a {$3400.00} suspicious XXXX transfer coming out of my account by midnight & that to avoid it I would need to XXXX  myself the funds to cancel the suspicious activity. I did as the Bank of America representative instructed me. The money was taken out of my account. I froze the account & replaced my debt card, but havent been reimbursed.

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 2023-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX, Acct # XXXX, Paid in Full and Closed XX/XX/ please remove this account off my report I did not give permission for this to be put on my report or stay on my 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 non-monetary relief
Consumer complaint received 2023-11-15
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 am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX  Account # : XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX Account Name : XXXX XXXX Bank Account # XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Card XXXXXXXX XXXX XXXXXXXX Bank XXXX, and XXXX XXXX Bank 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 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 2018-09-06
Company: SUNTRUST BANKS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2018, is the date stated on my credit report as an inquiry for an autoloan. I did not submit an application to XXXX. When the customer service department was contacted on XX/XX/18 to dispute the inquiry, I was given an excuse as to why it could not be deleted. I tried another time on XX/XX/XXXX with XXXX, who advised me to contact the company and the same resolution was given. My car was financed with XXXX XXXX and not XXXX XXXX. I do not have an open account with the company at all.

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 2021-03-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I received an account statement from a creditor who had closed my account years ago, showing a negative balance. They had reopened the account without my consent. I called the company and complained and instructed them to discard the account and my information. I am still receiving statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX  is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Southwest Recovery Services Plus XXXX or XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times. they should provide proof of evidence of Me in actual person signing the legal contract of the debt owed. they have no recorded phone call or inperson transaction of me opening this account. if they can not provide proof this account should be deleted I am a victim of identity theft.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
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:
On XX/XX/2023, and XX/XX/2023, I requested deletions and corrections to my credit report, including the correction of the spelling of my middle name. On XX/XX/2023, I received their response regarding my request to remove several inaccurate data from my credit report. They're response stated they have previously completed an investigation and verified the information in my credit file. They went on to say, unless I have any additional information to support the inaccuracies I requested to be removed from my report, they are not required to reinvestigate the same items again at this time. This is against the law. According to 15 USC 1681i - Procedure in case of disputed accuracy you are in fact obligated to reinvestigate and correct inaccuracies of consumer reports. Since they have stated a complete investigation was conducted, I requested all the documentary evidence they received to initially place all the items on my report pursuant to 15 USC 44 which states Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. I also enclosed a copy of the initial report received. They received my request on XX/XX/2023. I have yet to receive the documentary evidence nor a clean revised 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 non-monetary relief
Consumer complaint received 2019-11-12
Company: Avant Credit Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I was a victim of identity theft. I started receiving notices in the mail that I was delinquent to a {$15000.00} loan through Avant that I did not take out. I contacted the loan company on XX/XX/XXXX at XXXX to report the fraud and the loan that was not in my name. I obtained a credit report which had an unknown address listed and gave Avant the information. I was told to consider the matter closed and that Avant would contact their fraud department to handle it. I called Avant back on XX/XX/XXXX to inquire about the status of the investigation/loan and was told that the fraud department was not notified. I was also told that the fraud department can only be reached via email and can not be called. On XX/XX/XXXX I received an affidavit from the fraud department. I responded to the fraud department 's email with the affidavit on XXXX, only to get no response. I contacted them via email on XX/XX/XXXX and on XX/XX/XXXX asking if they received the affidavit but with no response. I then called Avant to notify the customer service of the issue, and it was only then the fraud department contacted me via email. I was told that my credit score would not be affected, but it was dropped 200 points after the fact I froze my credit on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX, the following accounts have violated my rights : 1. TransUnion ( XXXX ) Account # XXXX XXXX. XXXX ( XXXX ) Account # XXXX 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
Consumer complaint received 2021-11-15
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Customer Care Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To whom it may concern : XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to Specialized Loan Servicing through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

XX/XX/2021 I was notified in writing that the servicing of my mortgage would change from Specialized Loan Servicing to XXXX XXXX XXXX effective XX/XX/2021. 

XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to XXXX XXXX XXXX through the bill payment service of my bank XXXX XXXX XXXX XXXX. 

I contacted XXXX XXXX XXXX on XX/XX/2021 to verify that they would pay my real estate taxes from my escrow account. I was told that the taxes would be paid. 

XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that my mortgage was one month past due, and threatening to impugn my credit rating. 

I contacted XXXX XXXX XXXX again the week of XX/XX/2021 to try and resolve the claim that I was delinquent. I spoke to XXXX XXXX, she wouldnt give her full name to me, and I told her that I was not past due, and I had proof the bill was paid. I sent XXXX my bank statement that shows both the XXXX payment to Specialized and the XXXX payment to XXXX XXXX XXXX being made. XXXX promised to get back to me, but as of this letters writing she has not contacted me. 

On XX/XX/2021 I received another letter from XXXX XXXX XXXX, dated XX/XX/2021 again accusing me of being delinquent and stating that I had to dispute the validity of this debt against my property or it would be considered valid in 30 days. 

I officially notified both Specialized Loan Servicing and XXXX XXXX XXXX that I dispute the debt and again explaining that sequence of events, and that I had sent them proof of payment. I did this via registered mail, return receipt requested.

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 2021-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I am filing a complaint on Capital one cause I have had an account opened in my name fraudulently and I sent the police report and fraud affidavit to the credit bureaus and they had blocked the account From my credit profile, but capital one submitted a unblock request to the credit bureaus and I have been unable to resolve the issue on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received an email from Chime Bank on XX/XX/23 regarding an account opened in my name with my email address, mailing address and SSN, but with a different out of state cell phone for the account ( XXXX ). I received several other emails indicting that a debit card was being mailed to my home. I emailed Chime several times with no response. I called them multiple times. It was almost impossible to reach a live person but finally spoke to someone ( after being " accidently disconnected 5 times ). They did not refer the account to any sort of fraud or flag it, but instead told me they would close the account and send me a confirmation letter ( which I still have not received ). I quickly filled out information on identitytheft.com and mailed Chime a letter asking for confirmation of the closing of the account and have not received anything to date. The next step recommended by identitytheft.com was to contact consumerfinance.com.

Company response to consumer: Closed with explanation