BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted Synchrony Bank on XX/XX/ regarding fraudulent charges that they allowed to go through on my credit card that maxed out the credit card. After identifying the charges with their representative I was told that it could take up to 60 days for the fraud claim to be fully resolved but they would be issuing a temporary credit within 48 hours for the amount of the fraudulent transactions so I would be able to use my card again. 

On XX/XX/, I noticed that the provisional credits had not yet been applied to my account and I was still unable to utilize my credit card. I called Synchrony bank again to inquire about the status of the provisional credit. At first the representative told me that it would take 60 days and that there was no way to provide a temporary credit. After informing her of my previous conversation, she admitted that she could do it but it would take an additional 48 hours to process. 
As part of this credit card, I received a promotional discount on all gas purchases made during a specified time after opening my account. Due to Synchrony bank not following their own procedures and not processing a provisional credit for fraudulent transactions as they promised they would, I have had part of that promotional period taken away at no fault of my own. Due to this, I will have to pay additional money that I would not otherwise have had to pay because of Synchronys negligence in blocking fraudulent transactions.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

Under the the Family Education Privacy Act of 1974 States you are not allowed to report my income to any 3rd party or companies. This account should be removed immediately or I will be seeking damages under the law. 

the law also states that this item is over the credit statue of 7 years and it should not be reporting on 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 2022-03-22
Company: RentDebt Automated Collections, LLC
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: Problem with personal statement of dispute

Complaint:
Through a former complaint filed against Rent Debt Automated Collections I determined that the company sent the notice of my debt to my old address and failed to notify me on time of my debt to be able to make a payment plan before being sent as a default to my credit report. I moved out of XXXX XXXX XXXX XXXX XXXX IL and disputed additional charges with my landlord. Rather than giving me the opportunity to negotiate they sent the questioned debt to collections who failed to notify me at my next residence. The debt collector failed to send me info to my next residence or contact me on the phone. I feel I was not given adequate notice about making a payment plan before it went into default. I would like to contest this delinquent status. I have paid off the debt with company earlier than requested for my payment plan. Had I been contacted correctly this issue could have been avoided and not impacted my credit report. Now I am being negatively affected for a debt I was not communicated to efficiently about. I would like this default to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items and update them immediately in my report : XXXX  XXXX XXXX, XXXX XXXX Date Open : XX/XX/XXXX Balance : {$36000.00} and XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please update these account. 

Also, I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXXXXXX Date Open : XX/XX/XXXX Balance : {$0.00}. Please correct this mistake 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 2023-12-12
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
failure to file 1099-C Failure to follow GAAP ( Generally Accepted Accounting Principles )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you promptly update my account with the correct and accurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05
Company: RoundPoint Mortgage Servicing LLC
State: HI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I DID NOT KNOW THAT MY ACCOUNT WAS SOLD TO ROUNDPOINT MORTGAGE. WHEN I REALIZED THAT IT WAS, IT WAS TOO LATE TO PAY ANYTHING BUT THE TOTAL PAST DUE. I ASKED TO BEGIN THE PROCESS TO MODIFY THE LOAN BACK IN XXXX OF 2023. 
SINCE THEN I HAVE RECEIVED ZERO ASSISTANCE. I HAD TO CALL TO GET UPDATES, AND WOULD BE GIVEN EXCUSES AND DIFFERENT REASONS WHY IT WASN'T COMPLETE, THEN HAD TO REDO PAPERWORK BECAUSE SOME OF THE INFORMATION WAS OUTDATED BY THEN. THIS WENT ON FOR OVER 3 MONTHS, AND THEN I WAS TOLD THAT MY REQUEST WAS DENIED AFTER ALMOST 3.5 MONTHS. 
ONCE THE DENIAL HAPPENED MY HOME WENT IN TO FORECLOSURE. 
AFTER BEING INFORMED OF THE DENIAL, I ASKED FOR THE INFORMATION INCLUDING THE TOTAL AMOUNT I NEED TO PAY SO THAT I COULD WITHDRAW THE AMOUNT FROM MY RETIREMENT, THEN I WAS GIVEN THE RUN AROUND AGAIN FOR WEEKS. I WAS TOLD TO CALL BACK IN A COUPLE DAYS MULTIPLE TIMES, AND THEN TOLD THAT THEY WERE WAITING ON THE ATTORNEYS TO GIVE THEIR FEES. HOW WAS I SUPPOSED TO KNOW HOW MUCH TO WITHDRAW IF I DONT HAVE AN AMOUNT? SO I WITHDREW THE ORIGINAL AMOUNT THAT I RECEIVED FROM YOUR COMPANY, AND OF COURSE NOW THE TOTAL IS MORE BECAUSE OF THE ATTORNEY FEES. 
THIS WENT ON FOR OVER 2 WEEKS UNTIL I FINALLY CALLED THIS MORNING AND WAS SENT THE EMAIL WITH THE TOTAL INCLUDING THE FEES. 
NOW THE EMAIL SAYS THAT THIS TOTAL NEEDS TO BE PAID BY XXXX. THAT IS 4 DAYS??!!! 
THIS IS AN ATTEMPT TO FORCE FORECLOSURE AND INHIBIT THE ABILITY OF THE HOMEOWNER TO RETAIN THEIR PROPERTY. 
THIS IS UNACCEPTABLE AND IF THIS IS THE WAY THIS COMPANY DOES BUSINESS THEN THAT NEEDS TO BE STOPPED. 
IF THIS IS A SINGLE EMPLOYEE BEING INEPT, THEN THAT NEEDS TO BE DEALT WITH. 
IT IS NEARLY IMPOSSIBLE TO TALK TO ANYONE BECAUSE OF THE TIME DIFFERENCE BETWEEN HAWAII AND THE XXXX XXXX. NOBODY ANSWERS EMAILS AND THE WEBSITE LIMITS THE WAYS YOU CAN CONTACT THEM. 
I FILED A COMPLAINT ON THEIR WEBSITE MULTIPLE TIMES AND HAVE RECEIVED ZERO FOLLOW UP. I HAVE EMAILED MY SINGLE POC MULTIPLE TIMES FOR MONTHS ASKING FOR CONTACT INFORMATION AND SOMEONE TO TALK TO AND HE HS NOT REPLIED TO ANY OF THEM.

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 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am writing to bring to your attention the persistent challenges I have encountered in my attempts to correct late open accounts on my credit report. Despite multiple requests and efforts on my part, the inaccuracies in reporting continue to affect my credit standing negatively. 

I have submitted numerous dispute letters, both online and by mail, and have yet to see any resolution or improvement in the reporting accuracy. I have attached supporting documentation, including payment receipts, statements, and any other relevant materials, to substantiate my claims and assist in the investigation. 

I demand that you conduct a thorough investigation into these matters promptly and take immediate action to rectify the inaccuracies on my credit report by correcting the reporting of the late open accounts. 

Additionally, I request regular updates on the progress of the investigation and resolution of this matter. It is crucial that this issue is addressed urgently to prevent further harm to my financial standing. 

If my concerns are not addressed satisfactorily within 30 days of receiving this letter, I am prepared to escalate this matter to regulatory authorities, and seek legal counsel to protect my rights. I am asking for your assistance to correct these late open accounts in my credit file : 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: In progress
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX I only had one account with XXXX  XXXX which is already being settled. All I can think is my ex wife opening in my name during our predivorce separation. These have already been removed from XXXXXXXX XXXX  reports from a dispute around a year ago. One of the two has also been removed from my XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the last six months, Experian has repeatedly lowered my credit score each time I paid off a loan or debt. First, I paid off my wife 's vehicle and they lowered it. Then I paid off a loan for a trailer I purchased and credit card debt and they lowered it again. I went from a score in the high XXXX 's ( very good range ) to the low XXXX 's ( good range ) thus dropping my creditworthiness. I have had no late payments, no missed payments, and no adverse issues with my credit. There is nothing in my credit report showing an issue and all creditors have noted I pay on time and am a good customer. No logical reason for this has been provided by Experian. The first time they dropped the score, they claimed it was because I had too high of a debt to income level. Now, with the latest drop, the claim is my mortgage is too new and has too few payments made on it ( a mortgage I've had for five years and never had a late or missed payment. ) What's even more curious is the opposite has occurred through XXXX, which has raised my score with each of the debts I paid off and has never changed their reasoning for giving the score they provided. XXXX 's score is nearly XXXX points different than Experian. 

Experian is intentionally manipulating my credit score and punishing me for being fiscally responsible and paying off my debts. I have no idea why, but that is the only conclusion I can draw. To continually drop my score when I pay off debt, to change their purported reason for assigning the lowered credit score every time I take corrective action to their previous " reason '', leads me to believe what they are doing is intentional and malicious. 

What they are doing has the potential to affect my ability to obtain loans at the interest rate I have earned, rather than a higher one. After forty plus years of being a responsible consumer, that is unacceptable and I request they be held accountable. I have attempted to reach out to them. They operate an automated line that will not give you the option to speak to a human and does not provide an automated option with which to create a dispute specific to this issue. It is the same on their webpage.

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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-06-05
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was the victim of a bait-and-switch cash back offer from Chase. They offered 20 % cash back on a purchase at a specific store with very clear terms. My purchase met all of their terms, but they have repeatedly refused to credit my account accordingly. The reason that they cite is that the charge didn't post until after the offer expired, but their FAQ page explicitly states that it's based on the transaction date not the charge posting date. 

Please see the attached document for a detailed timeline with supporting evidence. Also, please note that this is neither an isolated case nor an honest clerical error. Chase has repeatedly been made aware of the issue including through prior CFPB complaints yet they continue to bait-and-switch their customers with these shady " Chase offers '' on a regular basis. 

There are also many posts on XXXX from users who experienced the exact same bait-and-switch scam from Chase. 

Sure, it's a small amount of money, but the biggest bank in the country shouldn't be allowed to scam its customers with impunity regardless of the dollar value.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-02
Company: Experian Information Solutions Inc.
State: GA
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:
Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 
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, gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX, XXXX, IL XXXX My name is XXXX XXXX XXXX My phone number is 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 2023-10-17
Company: Experian Information Solutions Inc.
State: FL
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2022-02-14
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2022 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation