BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Opportunity Financial, LLC
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have disputed incorrect information about XXXX  and opp loans starting XX/XX/2023. 
XXXX reports my balance as XXXX, they updated the correct amount which was XXXX on XXXX but refuse to update with the other credit bureaus. Opploans continued to report a balance that was paid off as well and instead of the credit bureau deleting this account they updated it because I had proof that it was paid off when in fact it should have been deleted because they knew that the balance was incorrect of XXXX and the credit bureau continued to report it even though they had a letter saying that I paid the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act convergent account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have been frauded I am a fraud victime

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
How long does it take Wells Fargo, to actually compensate us? We have proven complaint after complaint, along with all the documentation along with the complaints? They keep telling us they have been sent to another division of Wells Fargos criminal enterprise, that decides how much to compensate us. XXXX  years of defrauding and theft all we asked for is XXXX XXXX! They avoided prosecution, if they just compensate consumers like us! 
How long does it take for Wels Fargo to actually accept their illegal wrongdoings and again compensate us for 20 years of theft and fraudulent actions and activities?

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 2021-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
I will Provide my paid receipts. The bill is paid off by a third party, when I Inquired I was informed by XXXX Staff that it was paid in XX/XX/XXXX. I never paid XXXX on the bill now the Water bill is XXXX dollars plus credit of overpayment. XXXX  XXXX  never informed me that the bill was paid off by a third party already, and continue to take payments from me. I have also attached documents on the online account that states no payment history. How can anyone pay a water bill with no payment history. There has also been reported that my home was abandoned to XXXX XXXX  XXXX back in XX/XX/XXXX which is false. There is fraudulent activity going on with my home, and I dont own this bill that has already been paid the village is double dipping on payments with my water bill. This is not the first time this has happened since XXXX. XXXX XXXX  has not provided any documents of the third party payment on the Water bill account. Im requesting my refund of XXXX that I do not owe with XXXX XXXX. This information has also been faxed to Capital One as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased a home improvement project totaling {$2900.00} through Lowe 's on XX/XX/2019 and used my Synchrony Financial Lowe 's store card. I have since paid this purchase off. After the home improvement installation was completed, there were several severe areas of shoddy workmanship that caused my home to flood among other issues. I contacted Lowe 's and its contractor for resolution and received no response. I then submitted my dispute following Lowe 's dispute process through the USPS ( certified # XXXX ). 

I called Synchrony Financial on XX/XX/2019 to follow up on my dispute. A representative named XXXX advised that my dispute had not been received and offered no further assistance. I then asked XXXX if he worked in the dispute department to which he confirmed he did. I asked XXXX if he could initiate my dispute as the documents were en route to his department. XXXX advised that if he opened the dispute, that Lowe 's would send employees to my home to forcefully remove the three entry doors that had been replaced. I advised XXXX that his threat was an inappropriate scare tactic and requested to speak to his supervisor. XXXX ( employee ID # XXXX ) identified herself as an Account Manager. I asked XXXX if she was the Supervisor and XXXX responded that she " was as high as you're gon na get ''. What followed XXXX 's unprofessional response was an escalated and combative exchange about how unprofessional she is in her representation to Synchrony Financial. XXXX eventually disconnected the call with no assistance. 

Immediately following the heated exchange, I emailed the Office of the President for Synchrony Financial ( XXXX ) to report the scare tactics and abusive, unprofessional, and rude behavior I had experienced. I followed up with a second email on XX/XX/2019  requesting a response and assistance. To date, both of these emails have gone unanswered. This led me to filing this complaint. 

When I placed my call on XX/XX/2019 to Synchrony Financial 's dispute department, I expected to be assisted as the USPS had delivered my dispute. Following the call and email to the Office of the President, I received notification dated XX/XX/2019 that my dispute had been received. I do not trust Synchrony Financial 's dispute process as their representatives incorrectly advise that disputes had not been received when they had. Moreover, I have very real concerns about representatives like XXXX and XXXX handling customer disputes as they utilize scare tactics and unprofessional behavior to avoid processes and procedures in place by Synchrony Financial to investigate disputes.

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 2023-10-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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. 

Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
18 USC 247 ( a ) ( 2 ) Antisemitism, character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

15 USC 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. 

I have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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 2022-12-29
Company: TRUIST FINANCIAL CORPORATION
State: SC
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-12
Company: Mr. Cooper Group Inc.
State: PA
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:
Mr. Cooper has been harassing me with automated phone calls that demand I contact them " Within 24 hours '' while also making it impossible to reach a person. The automated system was giving me information that does not match what I was told when my loan was transferred. I needed to talk to a person to verify the information. Both the phone and chat systems told me that there was no one available to talk to every day for a week, while I was still receiving the calls saying I must contact them every day.

When I was finally able to reach a person on the XXXX  day of trying they made no effort to solve any of my problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: Experian Information Solutions 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:
This complaint is against EXPERIAN, XXXX XXXX and XXXX, after review of my credit report, they shows that a delinquent account, the one with XXXX XXXX XXXX.

This account was hacked and a balance above and beyond my credit limit was permitted by XXXX XXXX.

In spite of many calls and letter review, XXXX XXXX still reporting delinquency of an account and has not clear it. I disputed this reporting with all 3 credit bureau and they still reporting it. This situation has become a nightmare because i am being deny credit by most company and this is the only thing negative in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-14
Company: CITY NATIONAL BANK
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have had my mortgage loan {$330000.00} balance since XX/XX/XXXX. City National Bank acquired the loan and is now who I make payments to. I have always paid on time and always pay more than my minimum payment which is only {$2200.00}. I have paid $ 2600- {$2800.00} every month on time and have the payment coupons to prove it. I always walk my payment in to the branch to ensure I get a copy of the payment coupon. On XX/XX/XXXX I received a phone call from XXXX XXXX at City National Bank requesting I make some necessary repairs to my property. I told her I was out of town and would handle it right away. By XX/XX/XXXX I had already done the repairs they requested that totaled over {$10000.00}. I then send an email to City National Bank with my receipts and photos of the work completed within 30 days of the call. City National then send an inspector within the next few weeks to see the property. A few weeks later, City National Bank send me a new list of more repairs they requested. I had just finished spending $ 10,000+ on the property. They are now asking me to do some unnecessary upgrades. Meanwhile, they start reporting my mortgage as being late and start sending me letters that my payments are behind and I am not sending enough to cover the payments. I continue to pay almost $ 400-600 more than my minimum payments required. They continue to report on my credit as late. My credit has been ruined now. I am stressed and don't know what to do to get them to stop. I can provide copies of my email chain communication. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these accounts were 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 for 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: DISCOVER BANK
State: NH
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have private student loans with Discover Student Loans. I misread my statement and thought that my payments weren't due until XXXX when I was initially notified. Unfortunately, for the past two months I have been severely inundated starting a new job, having significant health insurance barriers, preparing to testify as a victim of XXXX XXXX  in an upcoming trial and working with the XXXX rights group in my state to file a state and federal complaint against a doctor who was abusive and discriminatory towards me. I have been receiving no less than FIVE phone calls per day from Discover - DAILY - about my bill that is not even one month late. I have outreached them 3 times this week alone to STOP calling me because I would be calling tonight XX/XX/21 at XXXX XXXX  EST. The continue to call me. I blocked their number and told them to notate on my account that I had to block their number because of their absolutely predatory and harassing behavior. This has been an enormous disruption of epic proportions to my work as well as my personal life. I JUST GRADUATED IN XXXX. I will absolutely be having these loans subsidized or refinanced or bought out by literally ANY other agency because this is not the first time that Discover has done this to me. EVERY time I have a late payment - which happens for absolutely legitimate reasons - they harass me AND the co-signer this way. This is so far beyond unacceptable and I have reached out to legal counsel about this matter. I don't have time to be calling them and filing complaints all XXXX day while I'm trying to work - this job is what will be paying their stupid loan bill so you would think that they would use an OUNCE of discretion in helping to preserve that. I have never been so outraged in my life. I have medical bills in collections for 3 separate agencies and even THEY don't call me more than 1-4 times PER MONTH! Furthermore, I was forced/threatened by the co-signer into signing these loans as a young adult so to have them repeatedly harassing me then harassing the co-signer who then ALSO harasses me is horribly triggering for my XXXX symptoms and is violating. This is the most disgusting debt collection behavior I have ever dealt with and I absolutely will not continue to tolerate it. We are still in a pandemic. I had to work 3 jobs and a full-time XXXX  just to pay a REDUCED loan rate with them while I tried to finish XXXX XXXX. They are absolutely abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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:
My name is 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.

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 2022-05-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX  Account # 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.

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