BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a Victim of the Equifax Data Breach. I want all inaccuracies removed from my credit reports. As you can see I have already made a complaint and provided documents to support my claim. This has been a hindrance to my family dramatically. I ask that these actions take place immediately. 

Thank you 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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all part of a double billing scheme sent out after Ive reported fraud several times regarding the accounts due to the XXXX breach in 2017. My information was released and as you can tell from their list Im a qualified victim, and Ive been battling it ever cents. There are numerous unauthorized transactions, forwardly reported and were brushed off by each entity, including XXXX XXXX, it has been a struggle to clear up what has been a long, lasting conundrum of arguments and what if when the law protects me and should have it released within XXXX. The time

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 2018-12-28
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
PayPal Credit charged my credit account {$69.00} for a 1 year subscription to XXXX XXXX that I did not approve. 

I did not receive the 1 year subscription. I contacted XXXX to request my paid for subscription or a refund. I did not receive either. 

Several email to PayPal and XXXX resulted in no action from them. They sent a standard email reply that the complaint was resolved. It was not. I then sent, via certified mail, a formal dispute of the charge to PayPal on XX/XX/2018. I have received no resolution to the problem.

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 2023-06-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-14
Company: EQUIFAX, INC.
State: NV
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 list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX, XXXX, {$4600.00} Acct : XXXX XXXX XXXX  XXXX, {$2700.00} Acct # : XXXX XXXX  XXXX XXXX, XXXX, {$880.00} Acct # : XXXX XXXX, XXXX, {$420.00} Acct # : XXXX XXXX XXXX XXXX XXXX XXXX, {$630.00} Acct # : XXXX XXXX XXXX XXXX, {$1100.00} Acct : # XXXX XXXX XXXX XXXX, {$1100.00} Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} Acct : # XXXX XXXX XXXX XXXX XXXX, {$2300.00}, Acct : # XXXX XXXX  XXXX XXXX  XXXX, {$650.00}, Acct : # XXXX XXXX  XXXX XXXX  XXXX, {$680.00}, Acct : # XXXX XXXX XXXX ASSOCIATES XXXX, {$1000.00}, Acct : # XXXX XXXX  XXXX  XXXX XXXX XXXX {$690.00}, Acct : # XXXX ; has violated my rights. 

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

15 U.S.C. 1681 Section 604A Section2 : 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 information. Any other adverse items 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 response to consumer: Closed with explanation
Consumer complaint received 2021-07-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a student loans from XXXX unfortunately i have a XXXX  XXXX and therefore my student loans was discharged by bank, i have received from XXXX XXXX a proof of a letter that loans was discharged and no obligation to repay the loans. But unfortunately all three credit companies ( XXXX, Equifax and XXXX  ) keeps an amount of {$26000.00} and {$25000.00} on my Credit Reports as a Balance. i was trying to Dispute on their websites a few times on XX/XX/XXXX but always appear a message " '' We encountered an error when trying to access your credit history report '' '' '' '' Because loans was discharged the balance on my credit report account has to be XXXX and account should be closed. with out this my credit report in very low level, i am unable to rent any apartment for living.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Please remove these items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-12-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
in XX/XX/XXXX an employee of mine charged almost 20,000.00 to my Lowe 's account without my knowledge or permission. employee was terminated when the charges appeared on my XX/XX/XXXX Lowe 's statement. i called Lowe 's bank, Synchrony Bank, and itemized all of the fraudulent charges. Synchrony then removed all fraudulent charges from my account while they 'investigated '. meanwhile i filed charges in three municipalities against the former employee. after three months Synchrony reapplied ALL the FRAUDULENT charges BACK onto my account. i protested and got the response that the fraudulent charges were mine to deal with since i had given the employee a company credit card. they claim i profited from the fraud in spite of any evidence to the contrary and with police reports to back my statements. getting nowhere with Synchrony i got my lawyer involved in the case. she has tried three times to get Synchrony to respond to her letters and legal requests. in spite of me signing paperwork validating her as my attorney they have yet to reply to her. instead they resent their 'investigation ' report back to ME without any further effort on their part. the former employee has a court date of XX/XX/XXXX to further back my evidence. this is referenced as ; XXXX XXXX XXXX. to add insult to injury i have been paying interest on all fraudulent charges monthly. Synchrony even charges me interest on my purchases each month even though i pay off my new charges every month? PLEASE HELP ME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: U.S. BANCORP
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/24, I received a letter from US Bank dated XX/XX/24 stating they'd elected to close my credit card account effective immediately and that all reward points were forfeited upon closure. The points amounted to about XXXX points, or roughly {$1400.00} in value from a recent sign up bonus and spend, that were instantly lost without reconciliation citing its alleged terms all while incapable of identifying an issue signaling the justification for its closure. Further, the {$400.00} annual fee that was paid upon opening in the XXXX wasn't returned, and this is a theft of well over {$1500.00} in value. That I even need to waste my time advocating that their criminality be reversed is abhorrent and abusive behavior.

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 2023-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Capital One Credit Card Capital one Credit Card - I have rewards dollars of over {$2500.00} dollars. When they closed my account in XXXX I requested payment of my rewards balance. They said 30-60 days they would return my money. When I called today XX/XX/23 they increased the time they would hold the money to 3-4 months. Even the agent helping me at Capital One did not know why they are holding my money. Even if the policy did change during this process I should be Grandfathered using the older policy. 

I am reaching out to you to help me get immediate access to my money per :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$2800.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$350.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2018-12-28
Company: Premier Auto Credit
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
XX/XX/XXXX received a text message from a non identified number. Also there was not identification in text as well. Only after I called number attached was I able to find out who it was. Text stated I needed to make a payment by XX/XX/XXXX which is 344 days away. This is the only conclusion because you can not make a pa

yment in the past. Company violated FDCPA Code section 807. They didn't disclose. I have screen shots and am perusing considering all options in regard to this blatant disregard for law. In addition this violation of FDCPA there are additional violations that I am seeking counsel in regard to at this time. I have screen shots that I will provide if necessary confirming this matter. 807. False or misleading representation ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the con
sumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.

According to Section 807 ( 11 ) of the FDCPA, the initial communication between a collector and a consumer must disclose that its from a debt collector attempting to collect a debt and that any information obtained will be used for that purpose.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: NC
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: OLD NATIONAL BANCORP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was with XXXX XXXX in XXXX  I had several problems with XXXX XXXX applying my mortgage payments correctly, XXXX XXXX became Old National bank XXXX and my mortgage was totally incorrect. I was current with my payment and several payment sat in the partial payment unapplied section of my account. Old National bank stated sending me default statements I asked for my payment history from XXXX XXXX on several occasions but was told time after time XXXX XXXX records were not available I spoke with the bank rep and she made several calls, This cause my property to go in to go in bankruptcy in XXXX I haven't missed a payment on a fixed loan my mortgage was {$840.00} in XXXX  to {$970.00} in XXXX to {$1000.00} in XXXX I paid {$5000.00} in escrow in XXXX but I got a statement from Old national bank that states my escrow balance is only {$1400.00} Old National bank was paying to Insurance two separate home insurance policy with out my knowledge also paying my special assessments after in XXXX,XXXX and XXXX  causing my fixed mortgage to raise out of control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am tired of sending dispute letters to the Credit Bureaus requesting that they correct these erroenous accounts being reported on my Credit File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX XXXXXXXX Balance {$18.00} Date opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} Date opened XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
To whom it may concern, I have received the email in XX/XX/XXXX attached with promo offer from Citi bank in my email and on my Citi bank app from the XXXX  I opened in XXXX and opened the checking account in XX/XX/XXXX. The requirements to get XXXX were met after I called the bank prior processing deposits to confirm. The agent has confirmed this is what I was suppose to do to deposit over {$1000.00} and spend them within 60 days. In XXXX when I called inquiring about the mileage the first inquiry was sent to the department handling promo offers I have received similar letter attached stating I was not eligible and should submit proof of my offer sent to me. 
Since then I lost count how many times I have called and all the agents are located in XXXX, some stated they have never heard of this offer before. XXXX person on the phone from cc side gave me an email I emailed my offer to but never heard back. ( Attached ) then I called debit side and they told me I could either mail offer or fax it ( attached ) but it went nowhere too. On XX/XX/XXXX when I called I was connected to XXXX  account manager and after total of XXXX hours on the phone between city and XXXX XXXX  confirmed the offer didnt come from them. Then I was connected to a supervisor who opened another dispute and I received another rejection notice.

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 2021-08-19
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been battling credit errors since XX/XX/ and prior due to identity theft and Equifax data breach. I have spent hours on the phone trying to get my information correct I was told by representatives that information had been corrected to only check and nothing had been corrected nor would they update my information with corrected proof of errors reporting on my credit report also reporting outdated information and changing my address without my consent I honestly have tried everything to get my credit back in order soon as I seen a major increase I lost XXXX points due to errors and misinformation Equifax reported. I have lost money time and opportunities for lenders to provide service due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX, have all 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 All of these inquires were made without my consent and I have requested verification and haven't recieved any written validations that they are supposed to be on there.

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