BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
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 the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of any information any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

Account : XXXX XXXX  Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am reaching out to you in regards to a serious issue that I have been experiencing with Synchrony Bank. Despite reaching out to their customer service team multiple times, I have yet to receive a satisfactory resolution to my problem. Therefore, I am now seeking your assistance in this matter. 

Recently, I received a new credit card from Synchrony Bank with a new account number, ending in XXXX. However, upon logging into my account, I noticed that someone else 's credit card, ending in XXXX, was showing up. This is a major cause for concern as it poses a serious breach of privacy, and it prevents me from using my card as intended. 

What's more, when the mysterious XXXX card is " charged '' by XXXX, it ends up charging a completely separate account. This only adds to my frustrations and confusion over the matter. While I understand issues can arise with banking and credit card accounts, something of this nature should not be acceptable as a resolution seems nearly impossible to obtain. 

I have spoken to Synchrony Bank 's customer service team multiple times, but each time, I have been told that this is not an issue on their end, and they lack the knowledge on how to fix it. As a consumer, this is absolutely unacceptable to me. 

I am urging Synchrony Bank to thoroughly investigate this issue and take immediate action to restore functionality to my account by showing me the correct credit card information. I would appreciate it if you could also investigate this matter and offer your assistance in working towards a resolution. This is a matter of great concern for me, and I firmly believe that it requires immediate attention. 

Thank you for your time and attention to this matter.

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 2023-11-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've had a credit freeze with all three credit bureaus for years. I recently had to do a temporary unfreeze with Experian. In the past this was simple. However, this time I had to create an account with them and prove some personal information. I reluctantly did so because I had no other choice. 

Now I get constant emails from them including trying to sell me things, and stuff like telling me that my credit balance has changed. Of course it's changed. I pay monthly. Everyone 's balance changes monthly. I don't need that. It doesn't even say " your balance has changed ''. It says " you have a new credit alert '', like some sort of slimy business tactic. You know it's wrong, I know it's wrong, and they know it's wrong, but someone how they're able to get away with it. 

There is no option to unsubscribe from these emails. Believe me, I've checked, but there is no " unsubscribe '' option at the bottom. I tried to log in manually to see if there was an option to opt out from there, but it solicited even more information from me. I do not want a business relationship with this company. I only deal with them because some power that be decided they got to have my financial information. I want them to stop, and I can't without giving them even more information.

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 2023-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I saw a XXXX advertisement for a bed and was charged for the bed. It ended up being a scam. I payed them through XXXX from USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: LA
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:
Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated 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 2019-05-01
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System.  The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from the date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciate an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this letter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Ocwen Financial Corporation
State: FL
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:
I'VE SENT LETTERS TO XXXX XXXX ASKING FOR DEBT VALIDATION INFO, THE WET INK SIGNATURES THAT BINDS BOTH PARTIES TOGETHER IN THIS CONTRACT BY CERTIFIED MAIL, EQUAL CONSIDERATION ( SHOWING THAT THEY PUT UP THE MONEY THAT WAS LOANED TO ME FOR THIS MORTGAGE. FULL DISCLOSURE THAT I WAS THE ACTUAL PERSON FUNDING THE MORTGAGE. IT IS MY UNDERSTANDING THAT MY SECURITY COLLATERAL IS OWED SECURITY INTEREST THAT PHH IS REFUSING TO PAY IN THE FORM OF SETOFF OF MY MORTGAGE PAYMENTS PER XXXX SECTION 16- PART 1 AND 2, AS DESCRIBED IN NOTE ISSUES, SECTION 29 AS IT PERTAINS TO CIVIL MONEY. IT IS APPARENT TO ME THAT PHH, XXXX AND XXXX IS COMMITTING SECURITY FRAUD AND HAS BREACHED THE CONTRACT. I DO INTEND TO EXPOSE THIS FRAUD AND PURSUE ANY AND ALL LEGAL RAMIFICATIONS WITHIN MY POWER I TRUSTED THAT GOOD FAITH WAS BEING PRACTICED AT THIS INTIAL CONTRACT SIGNING BUT I CAN CLEARLY SEE THE DECEPTIVE AND PREDATORY PRACTICES THAT PHH ARE ENGAGING IN. I HAVE WRITTEN XXXX XXXX CLAIMING ALL TITLES, RIGHTS AND EQUITABLE INTEREST. I SHOULD HOPE THAT THIS COMPLAINT WILL FORCE PHH AND ALL AFILLIATE COMPANIES CONCERNING THIS MORTGAGE TO FOLLOW THE LAW GOING FORWARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: LA
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 THIRD complaint filed against XXXX XXXX about an XXXX  XXXX Bankruptcy XXXX. I have contacted the XXXX in XXXX, La on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that stated that they were never contacted by XXXX XXXX. Based on the findings of their investigation which states they verified with the courts can NOT be true. I asked for written verification of this Bankruptcy and I was only sent a copy of my credit report therefore this claim is not verified and should be removed from my credit report. I have called and disputed this reporting as well as mailed in letters and I was not giving proper verification. This is what my letter stated : Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. I was not provided that information please see that this request is reported correctly. Thank You.

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 2023-10-27
Company: Experian Information Solutions Inc.
State: WA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on 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 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 2023-08-08
Company: EQUIFAX, INC.
State: IL
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XX/XX/XXXX I purchased a car for my son at XXXX XXXX. He is stationed in XXXX XXXX NC and flew into XXXX PA to pick up the car and drive back for his personal use in North Carolina, he was here a day. GAP insurance was purchased at the time of sale through Toyota Financial. 
My son was in an accident XX/XX/XXXX and the car was deemed a total loss. The insurance company paid a total of XXXX, he had a XXXX deductible, there was a warranty refund of XXXX. The base vehicle value per the insurance company is XXXX after comparing it to comparables the car was devalued by XXXX. The car was a XXXX XXXX XXXX and the adjustments are wear and tear. After the adjustment, the cash value was XXXX. 

Toyota 's GAP department is attempting to say I am responsible for the XXXX. I have reached out to my insurance company and they have confirmed this is not a charge taht should be passed on to me. I have reached out to Toyota 's Gap dept XX/XX/XXXX and was told they revised their brochure XX/XX/XXXX and no where in the brochure did it state the GAP will not cover vehicle depreciation. Every one knows as soon as you drive off the lot the car value lessens. There was no negative equity from another vehicle tagged on to the balance of this loan. Toyota is refusing to honor the terms of the GAP agreement and I need assistance with resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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: Investigation took more than 30 days

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the Experian and XXXX Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint #, and I'm including it again. 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 

XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX Open Date 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 2020-05-05
Company: Experian Information Solutions 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:
I Have been a Victim of Identity Theft

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 2023-10-27
Company: Experian Information Solutions Inc.
State: FL
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:
When I checked my credit report, I found that some of the information was inaccurate. The XXXXcredit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 2023-02-19
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/ I Deposited a check to my bank ( BMO ) in the amount of {$2000.00} from my 401k savings from my job. The next day XXXX my way to the bank I received a call from BMO asking questions about my identity, I gave her all of the information that she asked, & told her I was on the way to the bank to get a money order to pay my rent. She told me that my account was locked to verify the check that I deposited from XXXX XXXX for my 401K account I asked why would you lock my account to verify a check, and that I have {$1500.00} in the account that has nothing to do with BMO verifying a check. I also stated that I have direct deposit from my XXXX XXXX sent to my account. On XXXX they allowed me to get a money order for the amount of {$730.00}, & gave me {$700.00} out of my account. I have been calling them about my money since then. I have been hung up on, not to mention that I have not been receiving any updates on the status on my account. They refuse to give me access to my banking app. I have been to the banks branch & was told that she could not give me any information on my account ( balance updates etc ) because my account was locked. Now I am receiving emails & phone calls on payment that I already made on XXXX to my auto finance company & my credit card company that the payment was returned for along 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 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXX Balance : {$84000.00} XXXX XXXX XXXXXXXX Balance : {$79000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX XXXXXXXX Balance : {$84000.00} XXXX XXXX XXXXXXXX Balance : {$79000.00} XXXX XXXX Balance : {$8700.00} XXXX XXXX Balance : {$20.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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