BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-02
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 Synchrony bank sent me a letter claiming they couldn't extend to me the full amount of credit I requested in part because of a low credit score. I spoke to a manager on XX/XX/2023 at XXXXXXXX XXXX and she informed me that per herself and other managers, the credit score in my file was not the score they sent me in my denial letter. I can provide the letter. They wouldn't provide me additional information from my file/account and told me to contact XXXX which XXXX have already done and they were no help but to confirm that my credit score was indeed incorrect per the reported score in the letter. Neither was willing to help with the problem any further because they each claimed it was only something the other organization could handle. I can provide a copy of the letter referenced 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 2023-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX, when my account was charged off, I never received a 1099c form. Even though I have paid off less than the full amount owed, the IRS still considers charge off accounts as income that must be reported. Despite sending multiple letters, I have not received a response.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Regarding XXXX XXXX : I viewed my Experian credit report today and my credit score has dropped because of the investigation with XXXX XXXX. Who ever heard of submitting a dispute and all of a sudden, your credit score gets worse? Truly unbelievable. Once again, this account was NEVER in collections. I was never notified by mail or email or phone. Even when I spoke with XXXX, they said the account was never in collections. According to my credit report from XXXX it shows I was in collections for {$900.00} for the month of XXXX. This is a classic example of a major company not communicating with another department within their company. That account was paid in full on XXXX XXXX, XX/XX/2023. How can I have a collection account with them for the month of XXXX when it was paid to a XXXX  balance on XX/XX/2023? ( Document provided ) What did they wait until I paid them off and then say I was in collections on the same day? If you view the documents, I'm providing you'll see according to them on XX/XX/2023 I paid them {$840.00}, and it shows the remaining balance owed to them is XXXX. On XX/XX/2023, I paid them {$900.00}, and it shows the remaining balance owed to them is XXXX. How could I have a collection account on this account from XX/XX/2023 to XX/XX/2023 when both receipts SHOW a XXXX  balance owed. This account was never in collections, and I want it removed from my credit report and I want my credit points reinstated 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 2024-01-23
Company: Aargon Agency, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Aargon Collection Agency first contacted me on XX/XX/XXXX about the debt in question, and I requested the validation letter. However they failed to provide the information to me within the requisite amount of time, a point I mentioned when they contacted me again on XX/XX/XXXX. Debt collectors are required to send within 5 days of first contact, yet the validation letter they sent was postmarked on XX/XX/XXXX. When I stated this they tried to claim that they " had to wait to get the information from them because of HIPPA laws '', when HIPPA does not restrict communication between debt collectors and care providers. The first person I spoke to that day even claimed they sent the letter out on XX/XX/XXXX, which is also a lie. They are now trying to collect on a debt that is outside the window of time they are required to abide by. I have also attached audio of my second phone conversation from the XXXX with them. As I am living in Colorado I am allowed to record due to the 1 party consent laws in CO.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC
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:
I have requested proof of any documents that support the accounts that they are reporting on my reporting with my signature on it. They are still not cooperating.I have no other choice than to take legal actions against them which means a judge will request the documents. 
They're in violation of FCRA 15 USC 1681g. I NEED ALL DOCUMENTS WITH MY SIGNATURE AND ANYTHING THAT REFLECTS MY CURRENT ADDRESS AND SSN. I already send them a copy of my SSN CARD AND PROOF OF ADDRESS. 
Then they wrote me saying they still need the documents which they already have.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Inaccuracy personal information on my credit report : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 15 u.s.c ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2023-11-18
Company: DISCOVER BANK
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX Discover Financial Services XXXX XXXX XXXX XXXX, DE XXXX Subject : Unethical Practices | Internal Blacklisting of Accounts Dear Discover Financial Services, I am writing to express my concerns regarding what I perceive as unethical practices within your organization, specifically related to unexpected and unfair account closures and the internal blacklisting of accounts with inaccurate derogatory notations. 

I have been a Discover Bank account holder since XXXX XXXX during which I was in the process of rebuilding my credit. My account was abruptly closed in XX/XX/XXXX under the pretext of an inability to verify my identification, despite my provision of the requested documentation. This closure was made with no opportunity for reconsideration or resolution. 

Fast forward to the present day ; I am still a Discover Bank customer, yet I am limited to banking services only. My attempts to prequalify for another Secured card account have been automatically denied due to an internal flag on my profile. The sole reason provided for this denial is " Status of Existing / Prior Discover Card Account. '' This issue is not unique to me. Since XXXX numerous customers have publicly reported similar experiences of unexpected account closures. There is a growing concern amongst former and existing customers about this particular issue. Furthermore, I have previously filed a formal complaint ( CFPB Complaint ID : XXXX ) against Discover Bank for similar unethical practices, which remains unresolved to date. 

In light of these issues, I am requesting the following : A comprehensive review and removal of the flag from my profile, allowing me to reapply for credit products without automatic denial. 
A manual review and/or reconsideration ( recon ) of the closed card account, focusing on the possibility of opening a new account, rather than necessarily reopening the old one. 
An explanation and review of the policies leading to such actions against customers. 
I look forward to your prompt response to these concerns and hope for an amicable resolution that reaffirms the trust in your services. I appreciate your efforts in addressing this matter. This letter will serve as documentation for the formal complaint to be filed against Discover. The complaints will remain active, and I will consider retracting them if Discover provides a fair resolution in an urgent manner. 

Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX XXXX XXXX XXXXwas to pay off all me credit cards, which I did. On XXXX XXXX, 2024, I pad XXXX crdeit cards off in their entirety, including Bank of America XXXX XXXX XXXX Card ). All XXXX credit card companies debited my personal chacking account either on the same day or the next day, and XXXX of the XXXX companies applied my payment to my accounts within XXXX hours, EXCEPT Bank of America! I paid BOA {$2100.00} dollars on XXXX XXXX, 2024, and here I am on XX/XX/2024, and BOA has still not credited my credit account! I called them and I did excalate the complaint up the chain three times, with no success. I was informed at the last level that they " have up to XXXX business days to credit the account with the payment ''. Then they stated " that we have not offically received your payment yet. It is inprocess ''. I respnded by stating that my {$2100.00} is gone from my personal checking, so BOA has my payment somewhere. BOA respsned with " well, your payment was substantially different ( larger ) from your regular, smaller payments, so this rasied a red flag. '' I stated that I paid the entire balance off and this raised a red flag? That's absolutely ridiculous. Furthermore, it is my belief that BOA is holding my payment until the next billing cycle ends and the next payment is due so they can collect interest on the old balance! I attemtped to delete my personal bank account on the website as well as stop auto-pay, and I was unable to either tasks! This is really inapproapite or illegal. I do have employee ID numbers.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all authorization that I, the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. This is effective IMMEDIATELY, and INDEFINITELY.

My consumer report does not report pure accuracy, lacks permissible purpose, shows non-mailable addresses, misspellings of my name, shows credit transaction history, and shows my personal private information.

*SEE ATTACHED LETTERS*

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 Fair Credit Reporting Act(FCRA), Privacy Act of 1974, and Equal Credit Opportunity Act(ECOA), Trans Union is Violation of 15 USC 1681, specifically 15 USC 1681(3)(2), transunion is not to report any information solely based on transactions or experiences the consumer and the persons. 
-violation 15 USC 1681b, Permission purposes of consumer reports, in general only under subpoena shall a consumer reporting agency may complete a consumer report.
- Violation 1031(a) and 1036(a)(1)(B) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which cannot be reasonably avoided
-Violation 5 USC 552(a) of Privacy Act of 1974 in accordance with 42 USC 408(a)(8) any company or agent of company who willingly and knowingly discloses, uses or sales the sensitive information of a consumer's social security number to any other persons is in violation of the laws of the United States.
Violation Rule 10b5-1(c) of Securities Exchange Act of 1934 This rule requires directors and Section 16 o

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/XXXX. I recently retrieved a copy of my credit profile and public records and realized there were several addresses linked to my name. I have a very common name. I've contacted the credit bureaus ( TRANSUNION, XXXX, AND XXXX ) XX/XX/XXXX via phone and by mail to ask them to remove the fraudulent addressed from my profile. After attempting to access a line of credit, delinquent accounts are being attached to my credit profile. I am unsure if this a result of my items being stolen or with me having a very common name. I not only requested verification but also an update to my credit profile and nothing has been rectified. These addresses and accounts being linked to my name is affecting my ability obtain credit and also in violation of 15 USC 1681. No information should be furnished to my profile without my permission along with the result of identity fraud. Is

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 2023-11-30
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to the FCRA, it is Experian job to ensure that the information on my credit report is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past investigation requests Ive sent they regarding the inaccurate information as accurate which it is NOT. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the accounts that I previously disputed with Experian is STILL inaccurate and apparently can not be verified within accordance of the law, yet youre stating that it is true, which I know that isnt true.

I had asked Experian two months ago for the following they could NOT provide : How did you investigate this account?

Who did you speak with?

What date and time was this investigation Experian could not provide any information.

I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from 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 2023-11-29
Company: Experian Information Solutions Inc.
State: FL
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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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 2023-11-28
Company: Maximus Education, LLC dba Aidvantage
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Everything is paid off and no debt on Credit file except the last bit of my student loan that I was paying on. My score was in the XXXX. My account was closed out and transferred to AidVantage as they now service all student loans. They never reported the loan or payments which caused me to now have no XXXX XXXX ( due to nothing to score ) I've waited months for them to report and even waited on hold for days to speak to someone. He basically told me they'll get around to it and told me to report it myself ( which there are no means to do so ). They are still refusing to report my account in good standing or my well ahead of time payments. I am unable to finance a vehicle or obtain ANY credit products, I am now a ghost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: NAVY FEDERAL CREDIT UNION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I had filed a debit card dispute for a transaction of {$330.00} on my checking account from XXXX XXXX XXXX. My girlfriend and I had toured an apartment and ended up applying and paying a holding deposit the same day. We were told by the apartment representatives both verbally and through written documentation that if we applied the same day that we toured, both our application fees and holding deposit would be refunded. We ended up finding out that the apartment was misleading us regarding information prior to signing a lease. We told the apartment company that we were no longer interested in the apartment and would like a refund for the application and holding fees as previously agreed upon. I provided all the documented email conversations between myself and the company, which included the written offer to refund all fees if I applied the same day. Navy Federal had temporarily reversed the charge and added a credit in my account until the investigation was completed. On XX/XX/XXXX, Navy Federal sided with the company because " The fee you are trying to dispute is non-refundable, which was disclosed to you at the time of purchase. '' In the supporting documents I provided, the email chain goes over how we were intentionally mislead to believe the charges would be refunded. The representatives didn't provide any disclosures or restrictions that would limit the offer presented to us. It wasn't until we had already paid our application fees and then requested a refund that they told us that we had to move into the apartment to receive the {$330.00} back and that instead of the refund promised, it would be a credit to our account at a later date. This company decided to change the conditions of the special offered to us after we had already paid and Navy Federal took the side of the misleading company without any documentation of why. On XX/XX/XXXX, I requested an appeal on the dispute outcome and received what appeared to be an automated response from Navy Federals Debit Card Dispute Resolution center that provided me with no additional information to understand their decision. I responded on XX/XX/XXXX and haven't heard a response from Navy Federal since. This charge was textbook definition Fraud and Navy Federal is allowing it to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation