BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-24
Company: SYNCHRONY FINANCIAL
State: MI
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:
A fraudulent charge was made on the card and soon after reported. The fraudulent claim was denied and claimed the item was delivered to my address, which is false. 

I never made a purchase anywhere near the date of the transaction and never received a delivery after the date of the transaction. 

I was never contacted during the investigation and was only sent a denial letter. 

The card is less than a year old and all purchases were made either online or at our local XXXX 's store. The fraud is likely an internal issue among XXXX 's employees or their affiliates. 

FYI, we have purchased nearly {$20000.00} using this Lowe 's credit card during the 6 months or card ownership and the fraudulent portion was for {$340.00}, fraudulently charged well after the competition of our purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
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:
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. 

Here are the inquiries on my Equifax : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  # XXXX XX/XX/XXXX These are the fraudulent inquiries on my XXXX : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( XXXX ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: ZuntaFi Corp
State: DE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Disputing Private Student loan charges. 

At XX/XX/XXXX XXXX I borrowed {$20000.00} and {$26000.00} respectively. I was in school  until XX/XX/XXXX, and started working in XX/XX/XXXX and started paying off my loan at around {$400.00} + ( Totaling {$6300.00} ). 

I decided to refinance my loan for lower payment plan and realize my loan is currently {$75000.00} from {$46000.00} even though I have tried making payment right on getting on my feet. 

I have requested the full activity on the account, to get it professionally reviewed and disputed charges, refinance and a plan to pay off loan. Since this current plan will never allow me to pay off my loan. 

Requested full activity on loan account has still not been given to me. 

This is the information of the lender : Zuntafi XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. 

Account Manager : XXXX XXXX Phone : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Investigation took more than 30 days

Complaint:
I filed a dispute with 2 consumer reporting agencies on XXXX XXXX ( XXXX and XXXXThe consumer reporting agencies validated the debt I disagreed with the process.I filed a complaint with the CFPB after the initial complaint with the CFPB XXXX deleted the account.XXXX still continues to furnish the account.I also filed a dispute with the creditor the same time as I filed it with the consumer reporting agencies, I never received a response back from Capital One.I called the CFPB and asked how could this debt be validated after one ( XXXX ) consumer reporting agencie deleted the account.Then the representative told m that companies don't have to show any proof and just send it back validated with no proof of an investigation.Section ( 6 ) 611 ( a ) ( 1 ) ( a ) that says a companie must respond in 30 days of a challenge.It is well past the 30 day mark, and even though they don't have to respond to the consumer reporting agencies they must respond to me the consumer.I also read in section 6 611 ( a ) ( 5 ) ( A ) that if the company doesn't respond then the account must be deleted.Capital one acct # XXXX on XXXX consumer reporting agencie.I have copies of everything below

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

Complaint:
Since XX/XX/2023, my credit score went down XXXX points..and i looked at why and the explanation for it was because my mortgage balance decreased. Meaning I made a payment and lowered the balance slightly. But somehow, my XXXX XXXX went down XXXX points which didn't make a lot of sense, ,I tried calling Transunion and they ended up hanging up on me and I never did get a call back but they should have had my number on file too in case of a disconnection..I would really like to know whats going on with my credit over the last XXXX months..because there was another issue not too long ago..where I paid on both my credit cards and waited without using them for almost a month..and that did not positively impact my score or move my scores AT ALL for a whole month..but once I used my XXXX  again, my score went down..Like something really wrong has been going on and I would really appreciate getting to the root of the problem and whats going on please.

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 2022-09-08
Company: Experian Information Solutions Inc.
State: NY
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Persona information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$850.00}

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 2023-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, it was my intention to fully repay the balance on my Bank of America Credit Card account. I initiated an online payment to pay the balance in full, with a payment in the amount of {$3400.00}. I had some issue making that payment, so I was not sure if the transaction was completed. I did not see the transaction in the transaction history, so, I initiated it again. 

The next day, on XX/XX/XXXX, I saw that two debits in that amount had cleared my checking account. I proceeded to have one of the debits in my account returned so that the - {$3400.00} balance on my credit card would be XXXX 'd out. 

The following day, that was completed, but upon inquiry about the availability of funds, I was told that there would be a 10 day hold on my accocunt, despite the fact that the amount had cleared my checking account, and, I had NO history of late payments or returned checks on the account. NONE. 

I had multiple conversations and emails with Bank of America. I explained to them that I wanted the availability on my account so that I could use a promotional 0 % interest rate offer that was listed on my account. The promotion stated that the offer was good through XXXX XXXX  so, I gave up and figured I would have to wait the 10 days, which would get me the funds available around XXXX XXXX  well before the XX/XX/XXXX expiration of the offer. 

Well, it was a mistake to mention this, because despite the fact that the promotion stated I had until XXXX XXXX  when I signed in today ( XX/XX/ ) the promotional offer was rescinded. I am certain this was retaliation for my complaining about the TOTALLY unfair and unwarranted hold that was placed on my account. 

I attempted to get the offer reinstated, but Bank of America refused. 

I have been a banker for almost 40 years. I have excellent credit and income. I understand how payments are processed, and I know that ACH transactions CLEAR THE NEXT BUSINESS DAY. Bank of America demonstrated VERY poor customer service by not immediately reinstating my availability. I welcomed them to verify with my bank ( where I work ) that the payment had cleared, similar to how XXXX XXXX handles this. They refused. 

I decided to live with it, but now that they PUNISHED me be rescinding the promotional offer, that was good until XX/XX/XXXX, I feel the bank should be punished and formally reprimanded. And, the promotional offer should be reinstated.

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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
XX/XX/XXXX On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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: LA
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 submitted a complaint last XXXX XXXX XXXX  Some negative items got deleted but there are still a lot remaining negative items which is badly hurting my credit report. I am submitting a new complaint hoping that you will still assist me regarding my concerns. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief
Consumer complaint received 2022-11-24
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX DISCOVER BANK XXXX  Date opened XX/XX/XXXX Balance : {$160000.00}, DISCOVER BANK XXXX Date opened XX/XX/XXXX Balance : {$5800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: Netspend Corporation
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Received a pre-paid credit card in the mail for which I did not apply for. Attempted to contact the company netspend.com via phone and was unable to reach a person. The organization phone service is automated and requires sensitive financial information including activating the card to proceed. Then emailed XXXX and received a phone message indicating communication must be scheduled and by phone only. I have never used a prepaid credit card in my life and my credit reports, etc. have been locked for an extended period of time. I have demanded written email communication only.. So far nothing. 

I then tested the organizations online application form to determine how the process for pre-paid cards works and determined that the online application form in non-functional. 

Therefore, it appears that the NetSpend organization generated the pre-paid card WITHOUT my authorization- I believe this to be fraud as defined under the " Truth in Lending Act '' ( 12 C.F.R. 226.12 ). I have all documentation mentioned.

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 2023-12-27
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you XXXX have for this request. 
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 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and distress, and I am pleading with you to remove them 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 2022-07-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX Good day- Im in the process of looking for a place to live and they pulled my credit report, and it was denied due to XXXX XXXX reporting that the account is 90 days past due. This was removed/blocked from my credit report in XXXX for it being fraud. Now suddenly it has reappeared back on my account from over 2 years ago. The original Identity Theft Report was dated XX/XX/XXXX. The case # is XXXX. 
If you look back, you can see that this happened, and it reappeared after it being removed. Per my research I should have received a 5-day re-insertion letter which was not sent or received, and by law it can not report on my report. REMOVE OFF MY REPORT AND SEND ME A NEE NEW REPORT WITH THE DELETION & gt ; Again, you are reporting this and its inaccurate. MY children and I will be on XXXX XXXX due to this lie and its crazy. You are supposed to verify all information, and this has NOT been verified or anything. This mistake is hurting my kids. Please correct this now. 

Please assist in removing this from my report. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent multiple dispute letters to the 3 credit bureaus since the month of XXXX. I have never received any of their responses and I didn't authorize them to add these inaccuracies on my credit report. I demand deletion of these accounts as soon as possible.

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