BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-02
Company: SYNCHRONY FINANCIAL
State: CA
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:
XX/XX/XXXX said i made payment XXXX XX/XX/XXXX said i made payment XXXX XX/XX/XXXX said i made payment XXXX syncbXXXX XXXX this syncbXXXX XXXX account isn't mine. I respectfully request to be provided proof of this alleged item, specifically the contract that I signed to open account or other instrument bearing my signature. I disputed these inaccurate items over 35 days ago. Only verification of fake payments by syncb were made not proof of my signature. 

I never made payments because was a fraudulent account look at uploaded credit report picture at payment dates and made payments they are all made on the day i started my dispute. as fake payment active to make it look I paid but i never opened a XXXX XXXX if i did paid them payments aren't showing for XXXX, XXXX, XXXX at the top in red as co. I want this removed for inaccurate reporting to 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 2020-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
My social security number is being used by someone other then me. There have been 40 inquirys made not one by me bank accts open. Also some other items on credit that are not mine

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 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation

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 2021-07-10
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loancare is an extremely disorganized company that doesnt help their consumers. I started a loan modification ( or so I thought ) back in XXXX of XXXX. My payments on my modified loan were supposed to start in XXXX of XXXX. Today is XX/XX/XXXX and they still have not completed the process. When I make a payment to the lender it sits in a holding account and doesnt get applied to my mortgage. Weekly I receive letters telling me that my home is at risk and that Im delinquent on my mortgage. Ive spent approx 20-30 hours on hold dealing with the company. Sometime I sit on hold for hours just to get hung up on before speaking to anyone. Last month I tried to make a payment and their system wouldnt take my payment. HELP!!!

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 2023-10-11
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been charged {$430.00} in NSF fees since XX/XX/XXXX. And much more going back years. I dont know where they came from or why Im being charged. My account will have money in it and then the bank just takes {$29.00}. On two occasions they charged three NSFs fees in one day. {$90.00} taken by my bank twice. No explanation or reason. I have no bills that come from this bank, as Ive been transitioning everything to XXXX due to the predatory practice Ive experience at Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: Harpeth Financial Services, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I've contacted the company as there was a discrepancy with the pay off of the loan. There is no pay off date for the last withdrawal date as I was informed that this is an installment loan. Installment loans typically have a final draft date. {$130.00} is being drafted from my account as of XXXX, XXXX  and this being done biweekly. My bal owed is {$730.00} but they are saying to pay off the amt it's over {$1000.00} in addition to this they keep calling and emailing, harassing me to take out additional money and I keep informing them to remove me off their list as I am not interested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 


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 2023-02-08
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: Account status incorrect

Complaint:
They are reporting this account and have removed it and put it back on my credit report, there was no letter to me within 5 days why it was put back on, this is a violation of FCRA. I need that letter and I need the documents that they say verified the entry. 
The company has never verified or validated this debt. I need the full investigative report, period. 

THIS CRA IS IN COLLUSION WITH THE DEBT COLLECTOR AND THEY ARE BOTH IN VIOLATION OF FCRA AND FDCPA. 

MY RIGHTS ARE BEING VIOLATED.

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 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX  Account # 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 also states a consumer reporting agency can not furnish an account without my written instructions. The investigation conducted was not correct and this collection should be removed from my credit report immediately.

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 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are kept to be established as correct. I am in desperate need of these items to be INSPECTED and REMOVED. 


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 2020-11-09
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I dont believe that these account and inquiries are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.

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 2023-08-23
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 submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 non-monetary relief
Consumer complaint received 2023-01-18
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: 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 CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : - XXXX  XXXX XXXX XXXX. XXXX : {$5600.00} XXXX XXXX  XXXX .... XXXX  : {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... XXXX  : {$6400.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //wwwXXXX.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

" XXXX XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$340.00}, XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$770.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX OF MO XXXX XXXX : {$470.00}XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX Balance : {$500.00} " According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
They accused me on my credit report ( XXXX ) for an account other than my old account at an old city, they said on the report suspected fraud activity, since XX/XX/XXXX and i didn't know about it tell i closed all my accounts with them this year. I'm trying to solve the issue before i sue them for all what happen to my credit history with no contact at all. while I have an accounts with them since XX/XX/XXXX. The damage caused to be declined by my company credit union and declined for a mortgage, unfortunately, some XXXX reports do'not appear in my normal credit report, tell have been told by a loan officer

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 2023-03-20
Company: Experian Information Solutions Inc.
State: NY
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:
I have been researching my consumer rights for the purpose of preparing this letter today. I have found information listed in the Fair Credit Reporting Act Title 15 U.S.C 1681 that is applicable to your responsibility as a credit reporting agency. In summation, these sections require that you conduct an investigation to determine the validity and accuracy of the items I am disputing. If you are unable to successfully prove them with verifiable proof, then you must remove them within 30 days of receipt of this letter. Please also note that verifiable proof includes all of the original documents, signatures, etc. that claim to be associated with each account aforementioned. I will not accept 3rd party verifications.

In your correspondence, please include any and all evidence including the original signed documents. I have done my research and I know that you may use an electronic verification system from a third party to verify the accounts below. However, that will not suffice in this case because I am requesting copies and any and all original documents ( including original signatures ). 
Your failure to positively verify these accounts in the first place has impacted my ability to be trusted by potential creditors and progress in my life. Under the law aforementioned, unverified accounts must be removed. If you choose to keep these items on my credit profile, then I demand a copy of any and all of the verifiable proof that you claim to have. Please also remove any inquiries from my account that are not applicable to my credit profile.

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 2022-05-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX via XXXX for the amount of {$540.00}. 
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX via XXXX for the amount of {$330.00}. 
On date XX/XX/2022, I used Barclays AAdvantage Aviator card ending with XXXX to make a purchase on XXXX for the amount of {$1000.00}. 

On date XX/XX/2022, a fraudulent charge was found on the Barclays AAdvantage Aviator card account, and the same card was closed by Barclays due to security concerns. A new AAdvantage Aviator credit card ending with XXXX was then subsequently issued as replacement. 

On date XX/XX/2022, a refund of {$110.00} dollars was issued by vender XXXX back to the original credit card ending in XXXX. 
On date XX/XX/2022, a refund of {$540.00} dollars was issued by vender XXXX back to the original credit card ending in XXXX. 
On date XX/XX/2022, a refund of {$1000.00} dollars was issued by XXXX XXXX back to the original credit card ending in XXXX. 

As of today, non of the aforementioned refund was received on my credit card account. Barclays has held my money for the amount of {$1600.00} for weeks now.

Several phone communications to Barclays were made to no avail. Barclays has turned a would be simple and automated refund transaction into completely unnecessary uncertainty and wait game. I urge barclays card to do the right thing and stop holding my hard earned money hostage.

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 2023-05-12
Company: Experian Information Solutions Inc.
State: TX
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 reached out to all three credit bureau. I am going on 4 months right now. I have sent them all my information. Things like picture of my ID, Bill, etc. The problem is that they keep giving me the run-around. I'm going on a vicious cycle of letter sending with no real outcome or proper validation. They keep sending me the same letter. I have tried to reach out to the creditor listed on my credit report but the post office says its not a correct address, the address on file for that creditor is not good. 

I can't get a proper verification of my debt and they keep avoiding the fact that they can't get a hold of the company either. I believe the company dose not exists anymore. 

The credit bureaus have violated my first two request as a consumer. I never got any letters from any of the credit bureaus. No respond, past 30 days. I understand that the amount I am trying to remove is only {$99.00} so it may not be a big deal for them. What am I suppose to do about removing something that can not be verified and that has a bad address that I can even mail money to get it cleared.They have violated conduct a reasonable investigation of my dispute, and correct or delete inaccurate, incomplete, or unverifiable information within 30 days ( or 45 days in some cases ) of receiving notice of your dispute. I will keep this letter as my record of this dispute and will look to hire an attorney for all my time, money, and physiological stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief