BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-19
Company: SYNCHRONY FINANCIAL
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
A credit card was opened without my knowledge or consent. There were charges placed on this card. I received the past due notification and contacted Synchrony Bank immediately on XXXX  XX/XX/2023. The representative took my information and would not close the account as I requested & did not forward it to the fraud department. When I contacted the bank again today, notes were placed on my account from XXXX  's call but no actions were taken by the representative. This was escalated and the supervisor was very impertinent. I request the following actions to be done immediately. 
*Amend my credit report - My credit was excellent with a score of just shy of XXXX. I lost XXXX points because of this. 
*Receive a call back from Synchrony Bank by a individual who will take action. My phone # is XXXX. 
*Receive a letter of apology from Synchrony Bank XXXX not a form letter ) I believe none of my requests are out of line and are directly driven by this situatuion.

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 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX XXXX is reporting 30 day lates on XX/XX/20 & XX/XX/20 and I was never late. I have had an account for a very long time and I had moved so I didn't get my statement. But I called in & made a payment with a representative over the phone & set up future payments. I thought this was paid ( Even though I wasn't even working due to COVID - I still ensured I paid on time ). Once I got the notice I called immediately. You guys also closed my account after all these years and this wasn't even my fault. 
Please remove the late off of my credit file as those 2 lates were not my error.

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 2015-12-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I started to file bankrupcy but decided not to so i never went to court and it was dismissed. I looked up each credit agency and followed the steps to dispute it several times, but never got to the submit! I have tried for a couple of months now. if the bankrupcy was dismissed it should not show that i went to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: CA
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 HAD A VEHICLE THAT I HAD GOTTEN FROM XXXX XXXX, AND THEY MADE A CREDIT SALE TO XXXX XXXX, SO FIRST OF ALL THE ACCOUNT THAT THEY ARE REPORTING IS AN INSTALLMENT LOAN WHICH IS FACTUALLY INCORRECT. THE ACTUAL ACCOUNT IS A CREDIT SALE AGREEMENT. I HAVE THE RIGHT TO A FACTUAL CREDIT FILE AND DISCREPANCIES LIKE THIS ARE UNEXPECTABLE PLEASE REMOVE IMMEDIATELY, AS WELL AS I GAVE NO WRITTEN CONSENT FOR XXXX XXXX TO FURNISH AND VIOLATE MY RIGHTS AND CREDIT FILE, I HAVE THE RIGHT TO PRIVACY, IN THE LAW. 15U.S.C 1681 SECTION 602, ALSO IN 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 TO IS INACCURATE, SO I WOULD LIKE THIS ACCOUNT REMOVED IMMEDIATELY. 
LASTLY XXXX XXXX  HAS CHARGED ME AND STILL REPORTING LATE PAYMENTS AFTER THE CAR WAS REPOSSESSED, I HAVE AN EMAIL FROM THEM STATING THAT THE MONTH AFTER THEY TOOK THE VEHICLE THAT INSTEAD OF CHARGING MYSELF THE LATE AMOUNT REPORTED THAT THEY WERE GOING TO CHARGE ME 5 MONTHS WORTH OF PAYMENTS TO GET THE VEHICLE BACK THIS IS ILLEGAL AND I HAVE THE RIGHT TO ACCURATE CREDIT FILE AND DISCREPANCIES AS WELL AS ILLEGAL BUSINESS LIKE THIS UNEXCEPTABLE, PLEASE REMOVE THIS ACCOUNT IMMEDIATELY AND ITS ENTIRETY FROM MY CREDIT FILE.

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 2022-10-04
Company: Experian Information Solutions Inc.
State: MI
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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Bankruptcy XXXX XXXX # XXXX, Bankruptcy XXXX XXXX : # XXXX, XXXX XXXX : # XXXX ( XXXX ), XXXX loan XXXX # XXXX, US Dept . of Education, 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, 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. 

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 7 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 2018-12-14
Company: TD BANK US HOLDING COMPANY
State: MA
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: Problem getting your free annual credit report

Complaint:
I am a TD Bank customer from last 2 year and holding cash back credit card with TD. I have paid all my credit card bills fairly on time without a single fail, making good salary deposit every month and maintaining a good checkin account balance with TD. In last few months I applied for few credit card and all got rejected. While checking with TD bank, they mentioned my credit card number for Bank account and Credit card account was linked with wrong SSN and they corrected it immediately few weeks back. While checking for my credit report through XXXX XXXX or XXXX  it doesnt show my credit report. I am quiet frustrated with TD at first place how come a financial bank make mistake in putting wrong SSN number and is bank not liable to make SSN verification for any new bank or credit card account. It is screwy my credit history and not able to get any new credit card or get loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX mail sent to Transunion XX/XX/XXXX was ignored which is a violation of U.S. Code 1681 ( a ) ( 1 ) ( A ) which states if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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. - Transunion refused to investigate although new information and documentation was sent to them regarding there being two different credit collectors attempting to collect on one account.

I advised Transunion of the second violation of the Fair Debt Collection Practices Act 15 U.S.C. 1681a Section 623 ( a ) XX/XX/XXXX stating the original creditor provided them with inaccurate information/fraudulent fees and charges and Transunion did not complete a thorough investigation. Transunion allowed the company to deduct fees for which they could not prove I owed off of the total balance but failed to investigate all fees listed in the dispute I sent to them. 

Transunion removed both collection accounts from XXXX XXXX and XXXX XXXX from my credit report twice in the past 120 days. The latest being XX/XX/XXXX. I was not notified on either occasion of the accounts being added back to my credit report within 5 days which is required under federal law FCRA 611 ( a ) ( 5 ) ( B ).

Transunion has violated The fair Debt Collection Practices regarding these accounts and my dispute requests more than five times in the past 120 days and continue to do so.

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 2023-07-10
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I was informed by a Capital One credit card fraud department representative my personal credit card ( ending in XXXX ) was closed yesterday on XX/XX/XXXX. I asked the representative why the card was closed, and the representative said because it had been used for personal use. I informed the representative I am a victim of previous identity theft, and that the card is not a business card, therefore, it can be used for personal uses. On XX/XX/XXXX my CapitalOne Spark business card ( the representative would not provide the last 4 digits of this card on the phone today ) was closed by the company due to the same fraudulent reasons, and the card had not been used at all. I informed the company I had resolved all existing issues regarding fraudulent activity on my accounts dating back to XXXX and ( XXXX ) that involved my maiden name XXXX XXXX and/or my social security number. Since then, I have been approved for business and personal credit cards for them to only be closed by someone or something ( CapOne 's system ) at the company.without good, fair, or ethical cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
{$1000.00} was stolen from my XXXX account and Bank if America is saying that it was not fraudulent. The transaction happened an hour away and I have never been to that county or town. They are not answering their phones even when I call as soon as they open ( XXXX EST ). They hang up on me after one hour of waiting and I never get to speak to a representative. I had an additional {$520.00} stolen as well that I did not bother reporting because of the previous incident. The only reason I'm reporting the {$1000.00} is because Bank of America is saying that it was not fraud and they are charging me for it. I requested all documentation on XXXX, while the {$1000.00} incident occurred two months ago. They are trying to make me the culprit in the situation when I'm the victim to theft and then making me pay for it. So essentially I'm losing an extra {$1000.00} and I am so confused as to why when it wasn't my doing.

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 2018-05-15
Company: Global Recovery Group
State: MS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
First a lady called from XXXX and said she was an investigator hired to get information about me and was i aware of a law suit and i told her no. And ask for what company? And she stated she cant tell me so she gave me a number to call which was XXXX and i explained i havent been working in almost a year and she threatened to take further action as in sue me or take me to court after trying to fix the debt. They been calling for months harassing me and other people as well

Company response to consumer: Untimely response
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: DC
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-07
Company: Experian Information Solutions Inc.
State: MI
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:
Report says I owe a {$13000.00} debt of which I paid about {$12000.00} of 27 days ago. 

It still says I owe {$13000.00} and I am trying to get an apartment. This is an issue. I only owe about {$980.00} now and so this is inaccurate. 

Ive already filed a dispute as well. No help 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 explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
RE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You literally had enough time to verify this account and because you didnt anytime send me even XXXX shred of evidence that this is my account or that I have any liability or responsibility or ownership, it needs to be deleted.Im pretty certain that you violated a bunch of federal laws : 1. You didnt prove the creditor even responded 2. You didnt send me anything at all to verify this was mine 3. Youre being paid to report this by a creditor I cant even get ahold of 4. This is absolutely false info being reported and section 609 protects me specifically against this! 

XXXX was able to verify accurately. How was there different outcomes with the same investigations. 

Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE.

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 2022-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have disputed XXXX XXXX XXXX multiple time. XXXX, XXXX, XXXX This debt buyer, The furnisher is reporting multiple account numbers for this account and is not forthcoming with actual legitimate verification. 

This reported information is inaccurate and can not be substantiated. 


.

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 2023-09-03
Company: Home Point Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
This is the 4th time my home mortgage has been transferred to another company within 3 years. The amount of times I had to create a new log in and handle changing payment set up is tedious and troublesome. 

On top of that, the effective date of the recent loan transfer from Home Point Financial Corporation to XXXX by XXXX XXXX was on XX/XX/2023. That is a Friday on a major holiday weekend. 

I thought I had submitted my mortgage payment for XXXX on time, but I am unsure because I could not find an email or record of submitting it. I tried to verify with my Home Point Financial Corporation online account this weekend, but have been kicked off their system. I have not been able to log in successfully. 

I tried to log in to the new loan servicer, XXXX but their website keeps crashing and is unable to provide more details on previous payments submitted for records from previous mortgage company at this time. 

I am stuck between a rock and a hard place. I have the money for the payment, but I can't verify if I did actually submit a payment. Even if I had not submitted payment before the loan transfer on XX/XX/XXXX,, I can't even submit a payment online through the new loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 went to a atm to withdraw money and was met with a atm error so tried it two more times just to be met with the same atm error. So I check my balance and it said {$300.00} dollars withdraw.i turned off any other transaction on the card and gave them a call they told me to turn my card transaction back on because in XXXX hours my money would be back.the following morning there's was an additional {$300.00} dollars withdraw from my account.i ended up sending them everything they wanted me to send and I got a temporary credit of {$600.00} dollars until my case got resolved. I had a couple of dollars on the card so I picked up a beverage at the store with the card but was declined so I checked and it said I was - {$600.00} dollars. So I called and told them why am I in the negative they told me that they couldn't open my files so I owe them money. I clearly explained to them I just want my couple of dollars back. So when I got my check from the Biden tax/gas relief it went to that card and I been trying to get it back and was met with a dozen of explanations and dates and was told that I canceled my own claim. The company is chime and I really don't know what else to do I tried a small claim attorney but was told the dollars amount is to low. Someone help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: Experian Information Solutions Inc.
State: NC
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:
Under the FCRA 15 US code 1681 my rights are being violated because its inaccurate information reporting on my credit file. The FRUADULENT accounts that's listed DO NOT BELONG TO ME AND NEED TO BE REMOVED IMMEDIATELY. I have reported this information to the FTC please delete the accounts as soon as possible to legally update my 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 2023-05-24
Company: EQUIFAX, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 response to consumer: Closed with explanation