BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-20
Company: Synovus Bank
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX account is a closed account and on a monthly payment plan that has been current. This account has never had a 30 day late payment. Called the company on XX/XX/2023 asking why is a 30 day late payment reflecting on all 3 credit reporting bureaus, Transunion, XXXX and XXXX and request that this be updated and corrected to no late payments and currently on payment arrangement for this closed account. I was told by the company that this matter would be updated and corrected to reflect no late payments.

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 2023-01-11
Company: NORTHWEST BANCSHARES INC
State: PA
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:
On XX/XX/XXXX I received a notice from XXXX XXXX who is the XXXX XXXX for Northwest Bank. They stated that I just got a disclosure which they did not send me for my review. Also there are discrepancies in the date which his letter was sent to me. She stated I open a loan on XX/XX/XXXX which would be {$81.00} for 14 monthly payments. In the same letter she stated that in XX/XX/XXXX which would before me even taking out a loan that I signed a privacy notice form. To me the information is erroneous and needs to be deleted ASAP. How can I sign a form months prior to even having a transaction. Im asking for a copy of my drivers license to verify my address that you had at signing. They did not even have my proper address. I would like this to be removed from my consumer credit report. There is information that is not consistent or legit and it should be removed.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2021-09-17
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:
This is a complaint against timeshare XXXX. I have requested multiple times for verification of an account that is reporting on my credit. The creditor has refused to provide any information. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit. We've been requesting for validation but had no responses. I have requested multiple times for verification of this account and send out disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Our rights under Fair Credit Billing Act of 1974 is not being followed. There is improper billing, my financial information has been shared without my permission, and my rights are being violated. I want this account to be closed or validated. They're willfully neglecting the verifications to purposely cause harm and stress. I have disputed this account for validity it is not been verified they continue to attempt to take money out of my account and threaten me with legal action which they are willfully not following the law and violating my rights under the fair credit reporting act. We feel we're being profiled and neglected by these conglomerates for they only demand payment with no evidence of the right to collect. I need assistance in this matter and these companies should be penalized for violating federal law.

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 2023-08-20
Company: SYNCHRONY FINANCIAL
State: AK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
3 months in a row I was charged {$260.00} in interest on a {$3000.00} credit card, called the first time I was charged and was told the interest fee was a one time fee because the special promotion ended and I would not be charged again, 2 month in a row I was charged, I called them again today, XXXX and asked why I was charged two more times, she said because the special promotion ended again for another purchase and unless I paid it in full, {$3000.00} I would be charged a monthly interest of {$260.00}, which has to be illegal. I would rather file bankruptcy, it makes way more sense then to make a over {$100.00} payment that dies absolutely nothing because my interest charge is double the minimum payment due, I would never agree to this, it has to be a scam or illegal interest rate charged, Ill report this to anyone who will listen, This is a PayPal credit card through synchrony bank, ridiculous, I have 4 other credit cards with synchrony and none of them charge interest like that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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, 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 Other Accounts XXXX # XXXX TransUnion XXXX XXXX XXXX XXXX And the Inquiries Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX  XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX. Please repair and update 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 non-monetary relief
Consumer complaint received 2022-11-23
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I canceled/closed my XXXX account ( checking, investing etc. ) XX/XX/XXXX, proceeding with the following steps and actions instructed on the site. These instructions were concise and pointily. 

I didn't think I would have any issues or occurrences until the following month XX/XX/XXXX, I received my first charge since the withdrawal and closure of my accounts. I proceeded to contact this company in their chat because I could not get through via phone line. 

The communication was that I had one feature turned on inside the app which wasn't simply didn't make sense, but I repeated the steps again and ask for a refund. Afterwards, everything appeared to be resolved, I deleted the app. 

I believe this was XXXX XXXX, I noticed a reoccurring charge on my account of maybe {$3.00}, charging my account. It was so small I hadn't even noticed it until I happened to do a deep dive of my spending for this particular month. I contacted XXXX via phone and ask for a refund. They didn't believe my charges and ask for me to send them an email, but I couldn't understand this because THEY are charging ME. I didn't want to expose my personal account. However, after some research I willing to send documents over to you all. 

They shortchanged me and refunded me the minimum. I had assumed at this point everything was resolved but no! This was wild! XXXX is still stealing money from me. I was still getting charged after about maybe 30-45 days later and again, I did not notice because the increments are so small. As soon as I discovered it this time, I am frustrated and consulted with a lawyer friend about my options. I had to pay to stop all FUTURE XXXX payments. Unfortunately for me, this is not a free service at my bank. 

To put simply, I feel taken advantage of as a consumer and anyone who has partner up with this company withdrawing funds from my accounts ... shame on you. I took every proper step. I can only imagine how many others this company is embezzling ( alleged ) money from by doing this. It is especially not okay for everyday worker. Not only was my mental affected by this, but my finances being also tipped to go negative causing over drafts. My emotional being was attacked because were only trying to do our best and it just wasn't good enough!

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Ive tried to notify the credit consulting department since the month of XXXX that Ive kept seeing these multiple inaccurate and misleading accounts on my credit report. Until now, Im still seeing the same items on my files. I need it to be corrected and have these accounts below to be automatically removed. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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 2022-11-23
Company: EQUIFAX, INC.
State: TN
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:
Items from a previous ID Theft issue continue to be reported on my consumer reports. They've failed to remove all of the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
While speaking to a FedLoan customer service agent ( XXXX XXXX XXXX ) I

experienced several troubling issues. 1. The hold-time to speak to a customer  representative took over 35 minutes. This was the amount of time I had to wait just to SPEAK to someone about my account. After this very long initial hold time, the call took about another 30 minutes to tease-out information discrepancies I received from previous agents about the Public Service Student Loan Forgiveness program.

2. The agent ( XXXX XXXX XXXX   ) kept using ambiguous language while referring to qualification requirements about the student loan forgiveness program and WOULD NOT clarify when asked. She kept saying " we RECOMMEND that you submit the employment form annually so we can see your progress towards the loan. '' Student loan forgiveness program eligibility criteria are binary concepts. Criteria is either required or not required to advance in the payment forgiveness program so it goes beyond rational thinking why she would then say " its basically a play on words at this point. '' This whole call felt predatory at best and fraudulent at face-value. 

Not only did the agent refuse to clarify any language but was laughing and chuckling when I kept asking for clarification on enrollment eligibility that should not be made to sounds so ambiguous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: NY
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:
The company will not allow web site access to check balance and transactions until new e-disclosure agreement is accepted.

The company also writes " You won't be able to come back to this page to make changes, so make sure everything looks OK before choosing " Next. '' '' In part of agreement the company indicates it may charge for paper copies of tax forms.

To disagree with that or other portions of the agreement the customer must reject the entire agreement and be unable to access balance and transactions electronically.

Denying consumers electronic access in these ways is unacceptable in light of rampant data theft that affects all consumers, who must be able to easily review accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Placed a collection on my credit report of {$1800.00} I do not have any knowledge of this company or how they have access to my information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have an account with the company XXXX XXXX. Its supposed to be a secure wallet that they advertise they have no access to your funds. Your keys your crypto. Iv been in crypto daily and have several accounts on several different platforms. This being the only one to have this issue. Iv got to pay taxes on this account and it shows several times that hundreds of thousands of dollars was sent and received into my account. Proven on XXXX. In the form of BNB. The issue is the money has never show up and the coins arent there. This has happened 3 times. Iv sent emails to support and no response. I would expect to see my coins in my wallet if they where sent to me and showes a taxable transaction for me. Thats money laundering and Im the wrong one Im very crypto fluent from the tax standpoint. And you cant change the XXXX so XXXX XXXX is false advertising that they cant access your wallet. Thats a lie there was a hack and the hackers sent the coins to every address on a certain blockchain and we all received coins. Then the coins disappeared and was reported trXXXX XXXX returned the coins. That showed me they have access to your personal wallets. I cant pay the tax on this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Account : 1.NATIONAL CREDIT SYSTEM. This agency is in VIOLATION of 15USC 1692g. You ( NATIONAL CREDIT SYSTEMS ), were to notify me of this in WRITING 5 days prior, I was not. As the original creditor, only I can validate This debt. Therefore, the following Accounts must be deleted from my credit reports. 

FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNT, will RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST your company, for which I'll be SEEKING {$1000.00} per VIOLATION FOR : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT of IDENTITY FRAUD 3. FAIR CREDIT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS 4. FAIR CREDIT REPORTING 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 U.S.C 1681n ]

Company response to consumer: Closed with explanation