BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My father and I have essentially the same name and therein lies the initial problem. He's technically " XXXX '' and I am the " XXXX ''. My father opened a Belk credit card two months before I was born ( the account was opened in XX/XX/XXXX and I was born in XX/XX/XXXX ). At some point in time, some of my info ended up on the account my father opened -- possibly when Synchrony started managing Belk cards, but I can't be sure. I did not realize my info was intertwined in my father 's credit card until my father passed away in XX/XX/XXXX. As my father passed away, he stopped making payments on this credit card. As best I can tell from the XXXX reports, he had an outstanding balance on the card of {$1200.00} when he passed away. As the late notices and fees piled up after his passing, I started to get notices from XXXX about my credit score dropping. I filed an investigation request with XXXX and explained the situation to them. After 3 investigations, XXXX continued to say the bank ( Synchrony ) claimed the card was mine. At that point, I began communicating with Synchrony. Several times now I have supplied Synchrony with all the information they have requested -- copies of my driver 's licenses, my SSN, my father 's SSN, my father 's death certificate. I emailed ( XX/XX/XXXX, XXXX ; XX/XX/XXXX, XX/XX/XXXX, XXXX ) this info to them, and even faxed it one time ( XX/XX/XXXX ) based on their request. I have spoken to numerous XXXX representatives on the phone with promises this will be taken care of. Unfortunately, every time I open my Synchrony dashboard online ( I have at least 5 other Synchrony accounts that I pay off each month ) I still see this credit card info with late fees amassing. Every time I see this card info on my dashboard, it's a reminder of my father 's passing that I don't need. I loved my Pop and this is like a punch to the gut. 

This really isn't rocket surgery. The account was opened 2 months before I was born. All the charges on the card and payments to the card have occurred in North Carolina. I have lived in Georgia since XXXX. Somehow my SSN got placed on my father 's credit card info over the years and now my credit score continues to take a beating after his passing. I let Synchrony know I was going to file this complaint and they continue to drag this situation out.

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 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-21
Company: JPMORGAN CHASE & CO.
State: MT
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 customer service

Complaint:
I have another CFPB complaint that outlines what the main issue is and right now the other issue is Chase bank has not responded to my submission of evidence when they reached out to ask for me for more. I gave them what was required to negate the faulty evidence they were supplied by the seller which is causing me to lose {$6000.00} total due to this. I have reached out in calls and Secure Messages to Chase bank to follow up but have met only unhelpful support tech support calls and I have yet to receive ANY response on my Secure Message which has been going for almost 2 months at this point. I am including the documents showing their request for more evidence which I had submitted and my message I have sent early XXXX that is still without a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
XXXX XXXX account with account # XXXX opened on XX/XX/2017 and a balance of {$0.00}. 
I previously disputed this account, stating : ''I don't remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I'm afraid I have to disagree with the results of your investigation. 
Please mail me proof of your investigation and the negative payment status for this account, or delete the negative information in this account. Your company is in clear violation of the law. 
Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term ''consumer report '' does not include ( A ) subject to section 1681s3 of this title, any ( i ) the report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) ( Put the Creditor Name here ) Making the report is not INCLUDED in my Consumer report! 
Late payment is a transactional history. My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report not included in the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer, which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have ten calendar days to update my Payment history and delete all late payments. Failure to respond satisfactorily with the deletion of the above Late Payments will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Noncompliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: EQUIFAX, 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:
ACCORDING TO XXXX XXXX XXXX - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




Closed Accounts : XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

1

5 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I submitted a request to XXXX XXXX XXXX for an alleged debt they reported on my credit report. They received this information request on XX/XX/2023 and as of today, XX/XX/2023 I have not received any sort of correspondence pertaining to my request at all. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.

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 2019-12-06
Company: Experian Information Solutions Inc.
State: IL
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:
The three credit reporting agencies which are XXXX, Experian, & XXXX have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( Experian, XXXX, & XXXX   ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.

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 2023-11-17
Company: EQUIFAX, INC.
State: TX
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 multiple 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX acct # XXXX, XXXX acct # XXXX. Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: DISCOVER BANK
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a student loan from XXXX XXXX which eventually converted over to Discovered student loans. 

This loan was co-signed by my mother who went into bankruptcy several years ago. For a while, she was making payment until going into bankruptcy. After she filed, I stopped receiving invoices, bills, or any correspondence from Discover. I was not told about the bankruptcy and the loan disappeared from the credit score and this all began. I researched and found out I was not responsible for paying the loan 'during ' the bankruptcy period. 

Meanwhile, I began to get contacted again ( this was well over a year ago ) by discover threatening to send my account to collections and my information to the credit bureaus for not having paid the loan. I called Discover when I received this notice and reviewing my account online. Out of the total $ XXXX balance, they listed that I owed over {$1000.00}. I advised them I am happy to make a payment however I need to receive a statement or invoice. They refused and demanded I pay the $ 1000+ or the full balance. I reminded them that I need a statement because I think there payment schedule is in error. They were nothing short of rude and disrespectful during our call and I responded in like kind. 

They did not elaborate on any detail, missed payments and refused to send me any bills. I later come to find out that they can not demand what they are demanding during the bankruptcy. I actually attempted to open a new account and have the loan transferred to a different provider after the horrible experience and they explained they couldn't as the account was frozen during this time. Until now I dropped it. 

Today, I log in to check my credit score to see it had dropped 80+ points overnight due to this account. My parents are still in bankruptcy until later this year and I have received no bills, invoices or any correspondence explaining what I owe from Discover. Now I am in a position of a negatively affected credit score, on a frozen account where the creditor is demanding an irrational payment on no basis where I do not even have the option to take transfer the loan to a provider who isn't the equivalency of a loan shark.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions 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:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2023-04-05
Company: Experian Information Solutions Inc.
State: MO
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 a victim of identity theft. I have filed reports for identity theft and have even notified the 3 consumer reporting agencies over 3 months ago and nothing has happened. They have not removed anything nor have they mailed me anything. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with MAXIMUM accuracy. I have never opened any of the accounts or the inquiries that have included in my reports and they should be removed ASAP.

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 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The following Credit Card A/C is missing in my TransUnion Credit Report. A/C Type : Credit Card A/C Number : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This A/C was there in my TransUnion Credit Report for last several years. Suddenly this A/C has disappeared from my TransUnion Credit Report. <P/>This A/C is still open. Even if I close an A/C that just can not disappear from my Credit Report. <P/>XX/XX/17 - I contacted TransUnion Within 1 week I received a letter from TransUnion. They provided me a copy of my Credit Report ( which I did not want ) but did not address my problem / issue at all.

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 2023-01-31
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I wanted to inform all parties that in the last thirty ( 30 ) days that I have contacted the Federal Trade Commission. I explained in my letter to you that, you, none of your action have complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information.

I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-04-07
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
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 have made several attempts to inform this company I am a victim of identity theft I have provided this company with a FTC report, police report and their own internal identity theft report and they failed to remove this information from my credit report. They have certified this account but have not shown me any certificate of certification as i requested this company continues to harass me by calling multiple times a day leaving threatening voicemails

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Resurgent Capital Services L.P.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt Collector company Resurgent Capital Services, persists after being told that the account is satisfied. Resurgent Capital Services has no express consent or permissible purpose to contact me about any debt but still sends repeated correspondence constituting identity theft. The account in question is satisfied and has never been proven to be legitimate despite requests for verification/validation.

Company response to consumer: Closed with explanation