BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Delete this account please XXXX < Back Account Details XXXX XXXX XXXX Last reported XX/XX/XXXX {$890.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 5 mos ) Account status Open Type Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX Report info A Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed +23 pt Today Credit Cards $ Loans Money 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 reasonable cause to believe that the information is inaccurate.

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 2023-04-23
Company: SYNCHRONY FINANCIAL
State: CT
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:
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

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 2023-09-11
Company: Experian Information Solutions Inc.
State: AL
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 submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$920.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00}.

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 explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, INC.
State: MI
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:
In XXXX of XXXX, I purchased a copy of my XXXX, XXXX, and Equifax credit reports. Upon obtaining my reports and reviewing each report, I noticed a great deal of inconsistencies and inaccuracies on numerous accounts. I then reached out to each of the credit bureaus on XX/XX/XXXX via USPS certified mail ( priority ) with my personal identification information ( Driver 's License, XXXX Card, XXXX Bank statement ) and a letter asking for an investigation to verify/validate the accounts and the information reported on each report to ensure 100 % accuracy. In accordance with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), all information reported must be 100 % accurate. I received notification from the bureaus that the accounts were verified and accurate. However, I recently ( XX/XX/XXXX ) purchased another copy of my credit report of all 3 bureaus and there are still inaccuracies and inconsistencies.How could this be possible if the credit bureaus indeed completed a complete and thorough investigation? It is my belief that these accounts were not properly investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts posted on a credit report. The credit bureaus failed to provide me with any information regarding the verification of these accounts. I have since sent another request to each credit bureau via USPS Certified Mail ( priority ) regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX credit card services is reporting to all 3 credit agencies late payments, open balances and incorrect address / contact information. Card was issued to a corporation not me personally. All payments, statements, credits all transactions were between the business and XXXX XXXX. I never guaranteed the debt or made the charges on the statement. XXXX XXXX refuses to admit the business is closed and wants to damage my credit score. Debt collection agency realizes the charges are not mine and refuses to collect the debt. XXXX XXXX ignores all phone calls period.

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 2020-04-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Since when does a bank need to justify stealing? 
I received a letter in this evenings mail, stating account ending in XXXX is still overdrawn, will be closed and charged off. 
I have already filed a complaint against Chase covering the above information in regards to them trying to take money twice using the same transaction ID. 
I have been in contact with their Executive Office, they admitted error ( XX/XX/XXXX ), but nothing to date has been refunded accordingly, nor have they updated me on progress. 

This is the 5th or 6th filing ... I will keep filing, since they keep harassing me via messing with my other accounts, sending bogus letters and threatening phone calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-03-05
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD
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:
Toyota Financial Services has reported to all three major credit bureaus regarding a car loan in my name. Despite numerous attempts to contact them, calling, faxing, and certified next day mail with signature confirmatino. They will not comply. I have no received any documentation proving that the account is mine with any wet or hard signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Experian Information Solutions Inc.
State: IA
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:
In XX/XX/2019 XXXX XXXX and I bought a property from XXXX based companies, turns out the property was not what we were expecting and we never got to use it. Staff lied to us about the value and tax benefits as well as our ability to use it! Filed complaint with Missouri Attorney Generals office and was told XXXX would cancel contract and require no further action from us. XXXX XXXX XXXX continued to bill us and we never paid as contract was canceled.

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 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have been to numerous things trying to open an account I have contacted FCC of contacted everyone to ask me to contact regarding my identity and not being able to use my social security card with any of these Banks I have tried with unemployment my social security administration I reported identity theft and no one has been able to give me no type of answer and I need someone that can explain what's going on to me or I'm going to keep following his complaints and keep on his complaints so could you please contact me and let me know what's going on thank you bye

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 2022-03-07
Company: EQUIFAX, INC.
State: AR
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-23
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a checking account with Chime Financial account number XXXX. I sent a check from Chime account of {$1400.00} to my landlord XXXX XXXX for rent for the month of XXXX. 
She received the check XXXX XXXX. On XX/XX/XXXX XXXX XXXX said the check bounced. When I sent the check at the end of XXXX Chime deducted the amount Of {$1400.00} from my account. Befor your able to send a check you have to have the Funds in your account and then when you send the check the funds are automatically Taken out of your account. The check went to XXXX XXXX and showed XXXX XXXX said The money was not in her account. I sent a number of Emails to Chime because you cant talk to anyone on the phone. You only can Email or text Chime support. At least XXXX times I Emailed Chime about this check and they never did answer me if the check was Deposited or returned to Chime. So neither Chime or XXXX will say if this check was returned to Chime or deposited to XXXX XXXX account. Right now I am out {$1400.00} And XXXX XXXX is threatening to evict me if I dont give her {$1400.00}. I need to know Weather or not the check was returned to Chime???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my TransUnion credit report XXXX XXXX  ACCOUNT NUMBER XXXX Bal {$430.00} limit {$300.00} 60 DAYS PAST DUE XXXX XXXX XXXX opened XXXX XXXX, XXXX LIMIT {$300.00} XXXX CHARGED OFF HIGH BAL {$420.00} XXXX XXXXXXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX XXXX XXXX 6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXXXXXX Original creditor : XXXX XXXXXXXX XXXX  {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$330.00} XXXX Balance {$680.00} Opened XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Balance updated XX/XX/XXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXXCollection Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXRevolving XX/XX/XXXX Closed Charge-off XX/XX/XXXXXXXX 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 2022-11-05
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I been a XXXX with Webster bank now for years and a month ago I had a name change. Well I didnt go to my normal bank I went to XXXX XXXX branch. I passed my XXXX  and debt cards which was my old one. I stated heres my new one I had a name change. She refused to give me my old card back also my XXXX and new debt card after I was looked at like I wasnt a member of their bank. Well I left and next day go to use my card at atm and my account has been closed with my permission or any explain! I am very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of 2022 I purchased a spa from XXXX XXXX in XXXX, CA. The salesperson notified me that their partner Greensky, offered an interest free loan as long as the loan was paid off in 12 months. I signed up for a loan from Greensky and purchased the XXXX XXXX. From XX/XX/2022 to XX/XX/2022 I made the minimum payment on the loan and in XXXX of 2022 I paid off the loan in full. However, I noticed that Greensky was charging me approximately {$86.00} in interest each month during the time the loan was active. This accumulated to {$430.00} in interest fees for a supposedly " interest free '' loan. I contacted both Greensky and XXXX XXXX, each of whom claims the other party is responsible for the supposed miscommunication that the loan was not interest free. I consider this an incredibly deceptive practice, as their sales persons were lying directly to me, with Greensky being complicit in this practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is a fraudulent XXXX XXXX XXXX lease on my credit reports. XXXX XXXX XXXX is a criminal organization. The number of complaints against XXXX XXXX XXXX are unfathomable. The lengths to which the XXXX XXXX XXXX criminal enterprise will go to defraud consumers is truly astonishing. According to several reports XXXX XXXX XXXX has even been caught FORGING SIGNATURES ON LEASES AND LOANS. I fought XXXX XXXX XXXX since 2013. THIS DEBT IS OLDER THAN SEVEN YEARS AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND THE IMMEDIATE REMOVAL OF ALL INSTANCES OF XXXX XXXX  XXXX FROM ALL OF MY CREDIT REPORTS. 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 2021-05-27
Company: BSI Financial Holdings, Inc.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The attached email demonstrates our problems with BSI Financial Services. We have continually asked them to validate the sums they are capitalizing for unpaid interest and escrow amounts. You can see what they are providing. We have also asked for them to show us the removal of non-payment reports while we are in the process of getting the mortgage modification and they ignore it. We originally applied for this in early XXXX and they took until XX/XX/XXXX to reply. We really need your help on these matters. 

Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
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:
Chexsystems did not provide me with copies or verification how the following accounts were opened. i have asked on several times for copies of signature cards to verify if they were my accounts ( XXXX/XXXX/2022 ). The following accounts are not mine, XXXX XXXX, XXXX XXXX XXXX Bank XXXX Oklahoma ( XXXX Accounts )

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 2023-04-28
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
There is a Citizens Investment account in my mother 's name ( she's deceased and Citizens received her death certificate ) that has a TOD designation to me and my XXXX sisters. 
This account was somehow closed with about {$400.00} in the account and the designation was never rolled over to us. 
XXXX XXXX ( citizens investment employee and rep on the account ) has refused to help my sister with this issue and refuses to take our calls. She did find another Citizens employee who was very helpful who suggested that she get access to the account records as we suspect that the account was mishandled. 
Please advise on where we can get help with this matter. it's been extremely frustrating and I have the sense that they are hoping that we just " let it go ''.

Company response to consumer: Closed with explanation