BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: NV
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/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 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account.I am using my PayPal account for my online business as selling e-book customer pay me using my PayPal account since 2020.My PayPal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes.And I am hoping that I will get back my account and able to withdraw my funds.Thank you and Godbless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1618 XXXX Account # XXXX 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 and any other adverse information, other than records of convictions of crimes which antedates the report 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 explanation
Consumer complaint received 2023-03-23
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:
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 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 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 2023-09-08
Company: Experian Information Solutions Inc.
State: NC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-08-08
Company: EQUIFAX, INC.
State: MD
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I received a certified letter at my home address from my employer that my paycheck would be garnished starting XX/XX/XXXX from a credit card that I opened up in XXXX of XXXX, for a dental credir from synchrony Bank in the amount of {$1600.00}, for our .inor child. My ex is responsible for 87 % percent of this debt which is court ordered. I paid my percentage and more on this debt. There has been no payment on this since XX/XX/XXXX as I just now learned of. This has been sold to XXXX XXXX. I had no knowledge of any of this nor was I ever served any papers. I went to XXXX XXXX Ky XXXX House on XX/XX/XXXX to ask questions and review my file. Upon doing so I got a copy of a paper that was never served to me even though it was dated and acknowledged that I had been in XX/XX/XXXX. This is impossible as I didn't live at this address nor anyone that I know. I have lease papers to validate this. So after 2 years of no knowledge of this nonsense my check is being garnished. Statue of limitations has passed as well. This is not legally right whatsoever. I have seeker counsel on this as well and will be obtaining one next week. Thank you for your time. 

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 2022-03-09
Company: Intercoastal Mortgage LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We are in dire need of your assistance. We have recently entered into a construction mortgage with Intercostal Mortgage company. We have spoken with XXXX XXXX, our licensed loan officer about obtaining a mortgage. 

He told us on multiple occasions that the mortgage rate lock would be 3.5 %. We have this in writing and we believed him. He told us he would lock the rate right after closing at 3.5 %. This was a lie. It has been 3 months and we have gotten no where with this company. We finally had to reach out to the president of intercostal mortgage for assistance. He just tonight XXXX sent us the rate lock paper work. In order for us to get the rate lock of 3.5 % that were were told we would get, it would now cost us {$58000.00}. We simply of not have this money. Could you please assist us? 

We really need your help. 





From : XXXX XXXX XXXX Date : XX/XX/2021 at XXXX EST To : XXXX, XXXX XXXX XXXX Cc :, XXXX XXXX XXXX Subject : Re : ACTION REQUIRED We will lock your 3.5 % long term on your permanent mortgage. 4.25 % is locked for your construction loan. Your perm loan is not locked yet and we will lock as we discussed shortly after closing. 

XXXX XXXX XXXX # XXXX Vice President & Senior Loan Officer Intercoastal Mortgage Company XXXX XXXX XXXX XXXX - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Mortgage Research Center, LLC
State: OK
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was pre-approved for a home loan from Veterans United, I had tried to buy a house once before but things didn't workout. I told them when I started this time I wanted a new realtor and bank lender. They gave me a new realtor but said i had to keep my bank lender. I asked why he said because he has your case and worked it before, I explained that i didnt like and trust my lender before. But they still put him on my case. Once i started looking at homes my amount was not disclosed to me which was strange but i knew i wanted something around XXXX  which i could afford. I was still able to pick a new home that I liked. It took sometime to build but during the process I turned in all my paperwork needed early or one time. I paid all my fees that was asked or stated. When ever I had questions that I needed the bank lender to ask i could never get a hold of him days or weeks would go by. I told my realtor and she complained about him also, I had a feeling he wasn't working my case because every estimate he gave me the numbers where always different or way off. They couldn't find paperwork that I had turned in. I had to tell them where to find it on there website. They didn't communicate with me at all, it was a constant game of me trying to find my bank lender and get answers. Once the house was finished and we where suppose to close the lender ran my credit again and then stated oh you have a automobile payment which I told him before and we discussed. He started to act weird as in unsure, when it was time to close the dates kept changing and I was asked to be patient. They had already instructed me I could move out my rental place because the home was almost done so I put my notice in. Little did I know we might not close and they said I should trust then I could still move out and they would reimburse me for the hotel. I was scared because they didn't honor anything they had told me before and if I sell my stuff and move out if I don't get the home me and my family would be homeless. The only thing they told me was be patient trust them. I then get a call stating if they can't get the deal done can I get my rental back after they said trust them, so I would have lost all my furniture, key house hold belongings, and etc. Veterans United has almost made me homeless and I just wanted to become a homeowner. I'm a 1st time buyer and this was a nightmare and it seems like Veterans United doesn't have any accountability or cares about veterans.

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 2022-03-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have Been trying to work with the credit bureaus to get this account deleted. I have been reading into my rights and I know that if there's errors, that the accounts must be deleted. I have sent them over a dozen letters to try to correct this and get it deleted, and they just keep giving me the runaround. I have already filed a complaint with you before but I am attempting again to see if this time is different. I am requesting for the account to be deleted and have attached a copy of the information being reported as well as my ID since one time they said I had NOT attached it and I have been attaching it and every single letter. 

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 2018-03-10
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Navient reported 5 missed payments to the credit bureaus for months XXXX through XXXX of 2015. This loan account was initially opened with XXXX and at a different point sold to Navient. I, the borrower, was never notified of the sale. When payment became due for this account, I believed letters from Navient regarding payment and balance were fraudulent. After some research several amounts later, I discovered that loan had been sold without notice to me. I reached out to Navient by letter and the credit bureaus to resolve this issue. Navient responded to say the reported information was accurate and they were not at fault for lack of communication/notification. The credit bureaus said they reported what they had received. 

All payments to this lender since the time of my discovery have been made on time in XX/XX/2015. I would also like to add that from XXXX to XXXX of 2015 I made payments totaling {$730.00} to show I was attempting to correct a problem I didn't create.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XX/XX/2018 an electronic payment was made from my BB & T checking account to XXXX XXXX mortgage. This payment was made from a newly opened checking account as previous checking account was under investigation due to fraudulent activity. My records indicate that the electronic payment of {$770.00} was made over the phone with a XXXX XXXX customer service representative, but XXXX XXXX does not have a recording of the call or any notes. BB & T after some investigation, sent a fax to XXXX XXXX detailing the transaction. BB & T stated that the payment was made via the BB & T bill pay system-I was not aware of the details that BB & T sent to XXXX XXXX XXXX BB & T did not send me the information. I had requested from BB & T details of the transaction and explained the discrepancy. The customer service representative stated again that the payment was made through their bill pay system. The first time a person uses the BB & T bill pay system, that payment is sent via paper check. BB & T does not have any record that a paper check was sent, and the representative could not find any other bill pay payments that were sent, that would have been the first and paper check sent. The BB & T representative stated that no further details could be provided or researched as all of those records have been destroyed. My understanding was the banks were required to keep records for 5 years. This information is imperative as the alledged fraudulent activity on my checking account, BB & T confirmed the fraud. After opening a new checking account, the old checking account that the fraudulent activity happened, BB & T stated that I had to leave that account open. In doing so, and the fact that my payroll deposit could not be rerouted or stopped for XXXX days, additional monies were deducted from the account. My records indicate the name of the XXXX XXXX customer serv rep I spoke to when I made the payment, but XXXX XXXX does not.

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 2022-03-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I AM DISPUTING MY ACCOUNT WITH EQUIFAX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXXXXXX ACCOUNT. 
DATE OF LAST PAYMENT IS WRONG. 
CLOSED DATE IS WRONG. 
THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Its an account on my credit report that I keep disputing to Transunion. Transunion refuses to do a proper investigation and update my account. Ive disputed it a few times and it keeps coming back as the same. This past dispute was done in a day so we know for sure they didnt take the time to resolve this issue. I havent been with XXXX in years and my account is still showing active and just opened recently. If an investigation had been done at all, Transunion would see that the account is old and not accurate. This leads me to believe that they havent even done an investigation because its no way the company sent them anything showing that I just opened an account or showing that I was just recently with them. Transunion hasnt sent me anything showing the investigation was done or any evidence that they received from XXXX XXXX XXXX. You know investigation isnt not done accurately because I can prove Ive been with my current phone carrier for years and that my number was ported over to 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 2020-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
Flight Date : XX/XX/2020 Flight Itinerary : XXXX XXXX XXXX XXXX XXXX. 

Description of Problem/Inquiry/Comment : The airline cancelled the flight From XXXX XXXX to XXXX via XXXX. Policy at time of ticket transaction was refund to original form of payment in the event of a cancelled flight. Purchased through XXXX. Only emails received indicate airline credit, not refund, in violation of the policy. Spent hours on the phone-XXXX XXXX   saying Entitled to refund but XXXX must refund as they are agent. XXXX saying XXXX must refund as the ticket was billed directly by XXXX XXXX. They then said they will send in the request to process with confirmation guaranteed in 48 hours. 96 hours have passed. Ticket number XXXX. Disputed with credit card company who stated in absence of the airline offering a refund by documentation they will not do anything. In other words, they are not protecting us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid 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:
XXXX XXXXt/Synchrony Bank charged {$1400.00} interest on a {$1600.00} balance. 
They are refusing to take it off and they are stating those were the terms. This account was opened by a vendor to pay for installing an ac in 2017. The initial amount was about {$3300.00}. Now, after a year and some change of paying it is at {$3000.00}. I spoke to the manager and she told me that there is nothing they can do!

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