BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Application reference number : XXXX I applied for a XXXX XXXX credit card that is issued through Synchrony Bank. On XX/XX/2022, I received a letter from Synchrony Bank to call customer service to very my identity. I called the number XXXX on XX/XX/2022. I was directed to go to a website which is used to verify my ID. The process involved me taking a photo of my state driver 's license and record a short video of myself and upload it to the site at which time I did. When I recorded the video, I was at my job and in my uniform which is a XXXX XXXX. My uniform displays my XXXX XXXX XXXX After holding for about 10 minutes the customer service agent advised me that the bank is unable to verify my identity and the application is being denied. On XX/XX/2022, I spoke to a supervisor named XXXX and advised him of my issue, XXXX stated he can not tell me why the application was denied and that I should have received a letter. I explained that I did not receive a letter and expressed a concern that I was denied the application based on a bias against XXXX XXXX. Every document and information supplied to Synchrony Bank was information that only I would be able to provide. I also have a current credit card issued from Synchrony Bank that I have held for approximately 7 years in addition the video I uploaded was of me in my XXXX XXXX XXXX  that clearly showed my XXXX XXXX XXXX XXXX  on it. I advised XXXX that I feel I was discriminated against because I was wearing a XXXX XXXX XXXX  and therefore, I was denied credit. XXXX sated that I would hear a response back in writing in 7-10 business days.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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  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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) 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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX 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 In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) 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 In accordance with the Fair Credit Reporting act XXXX 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 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 2020-02-16
Company: Southern Auto Finance Co
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My complaint is regarding the Southern Auto Finance Company is known as ( Safco ) reporting inaccurate information on my XXXX   report. I reached out to Safco ; I spoke with XXXX XXXX on XX/XX/XXXX, and XX/XX/XXXX, regards to the {$17000.00} showing past due. I asked for account XXXX negative, inaccurate information be removed from XXXX  credit report. The first-time account was late XX/XX/XXXX. The statute of limitations has expired as of XX/XX/XXXX. Southern Auto Finance Company account is seven years, and six months expired as of XX/XX/XXXX. Safco has changed late date on account numerous times so account can keep showing on my credit report this is inaccurate negative information reporting on my credit report. 

I reached out to XXXX numerous times and request for Safco account # XXXX to be deleted from my credit account. I spoke with four agents, and one supervisor at Safco and the negative information are still reporting on this XXXX. On XX/XX/XXXX, I talked to XXXX the confirmation that was provide it # XXXX. XX/XX/XXXX, I spoke with XXXX ID # XXXX, XX/XX/XXXX, I talked to XXXX ID # XXXX she was the supervisor, and I talked to XXXX on XX/XX/XXXX, ID # XXXX. My request was to remove Safco negative, outdated, inaccurate information remove from my credit report. I also sent a letter to XXXX  requesting Safco accounts to be remove from my credit report. There are two accounts reporting from Safco with different account numbers and same amount, please see attached credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Citibank deducted {$800.00} in fees from my {$1300.00} deposit WITHOUT EVER informing me. 

On XXXX XXXX, XXXX, I opened a savings account in XXXX to hold my tenants security deposit of {$1300.00} in an interest-bearing account, as required by city ordinance. 

At the time of account opening, I was told by the banker {$500.00} is the minimum balance required to avoid any fee. Shortly afterward, however, the minimum was raised to {$1500.00} but I was never notified. Since then, Citi began charging a {$25.00} fee monthly fee to this account. 

The banker who opened my account had mistakenly entered my old address. At that time, I had XXXX other accounts with Citi. My address for them is correct and current. 

As a result, between XX/XX/XXXX and XX/XX/XXXX, I never received any statements. Citibank 's internal records show all mailed statements to me were undeliverable. 

The banker couldnt link this savings account to all my existing accounts, which are opened in XXXX XXXX. As a result, I can not access this account online to see the charges. 

In XX/XX/XXXX, when I returned from after being stranded outside the country due to Covid, I visited the XXXX branch where I opened the savings account. I was shocked to discover the original deposit of {$1300.00} has been reduced to {$520.00} after all the fees! 

Its unacceptable for Citi to wipe out the balance with fees WITHOUT notifying me. This has happened due to the bankers mistake in entering my old address. Im asking for a full refund of {$770.00} -- all the fees charged by Citi that I never knew about. 

I took this complaint to Citi 's executive research unit, where a XXXX XXXX she refused to give her last name or an employee ID number ) called me in late XXXX in response to an emailed complaint to XXXX. 

During this recorded phone call, she failed to state when Citi notified me of the higher minimum balance required -- as I repeatedly asked her to state when I was notified.

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 2023-12-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
My mortgage is serviced with Lakeview by XXXX. Their website will not allow payments and when I call their number to pay over the phone the automated system disconnects the call. My concern is now that I am unable to make a payment that I will be charged additional interest since my payment wont be credited on the date I wanted to make a payment.

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 2023-04-26
Company: Experian Information Solutions Inc.
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:
XXXX I found out my personal information was stolen, items stolen were state identification, passport, computer, phone social security card, bank card, insurance cards and more. I filled a report with the XXXX Police Dept. I am having hardship with renting, leasing, opting credit and other accounts using my personal identification.

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 2022-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX XXXX Late payment reported XXXX XXXX Late payment reported XX/XX/2022 Payment Made in Full Furthermore, the FAIR CREDIT REPORTING ACT 15 USC section 1681 ( 2 ) ( a ) ( ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include.

( A ) Subject to section 16815-3 of this title, any.

C ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC section 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Shellpoint Partners, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
SEND A LOAN MODIFICATION AGREEMENT. 
THEM APPLICATION WAS EMAILED AND TWO TIMES WITHIN THE LAST 7 DAYS. 
THEY SAY THEY DID NOT RECIEVE IT. 
THE FORECLOSURE DATE IS XX/XX/2022. 
THEY DOING DUAL TRACKING

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions 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:
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 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 2020-02-16
Company: GOLDMAN SACHS BANK USA
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020, I tried logging onto my Goldman Sachs Marcus app on my phone to check my balance. Upon trying to log in, an error message appeared stating that my account had been temporarily locked and I would not be able to log in or have access to my account until I called Goldman Sachs Marcus to unlock my account. 

I immediately called in. I went through the security questions and was then transferred to an employee named XXXX who works in the Fraud Department. I was informed by XXXX that there had been a security incident on XX/XX/2020 and that a small number of clients accounts had been compromised and that some of my personally identifiable information could have been compromised and therefore my account had been locked. 

I then asked why I wasn't notified via email/phone/mail that my account had been compromised/hacked as I should've been notified immediately so I would be able to update my passwords to all accounts and monitor more closely for any potential fraudulent activities. To my understanding, it is a requirement of Regulation P that there is a certain window of time where I must be notified by the company if a privacy event has occurred and I wasn't notified at all. I had to log into my account and then call in as my account was blocked to learn that my account had been hacked and my non-public personally identifiable information had been compromised. 

I then requested that XXXX, the Fraud Department employee, follow up with his supervisor regarding this privacy matter as he was not available at the time and that his supervisor would need to follow up with me to understand why I wasn't notified and if my NPI had been compromised. I was told that I would be contacted within 24-48 business hours from today, XX/XX/2020. 

It is highly illegal and a regulatory violation to not notify customers of a privacy breach. I am now having to update all of my passwords and closely monitor my credit report to make sure that none of my other accounts were compromised. Banks/Companies need to be held accountable for managing people 's NPI and when something does go wrong there are consequences for their actions/inactions. 

To restate, my Goldman Sachs Marcus Savings account was hacked on XX/XX/2020 and my account was then locked on XX/XX/2020 ( according to XXXX ). I then tried to log into my account on XX/XX/2020 and was not able to as it was locked and then I had to call in to get in unlocked and was alerted by the Fraud Department that my account had been hacked. I wasn't notified at all by Goldman Sachs that my account had been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-15
Company: MoneyLion Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX I took out a credit builder loan account with MoneyLion. I made good on time payments each month and paid it off in full early on XX/XX/XXXX. XXXX  and XXXX  had reported the loan as closed and paid in full. XXXX  had failed to update my report to reflect that as well. 

On XX/XX/XXXX I took out a new credit builder loan with MoneyLion. MoneyLion had updated my credit report showing the new loan. The problem is, they had used the old paid off account and updated it with the new information from this new account. Essentially taking away my good account from my report and inputting a high balance like there was no payments made. 

MoneyLion should had left the old account shown as closed and paid in full. MoneyLion should had reported a brand new account with the new information. These are two different loans with two different account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
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:
This is a follow up CFPB Complaint to my previous CFPB Complaint I submitted requesting the deletion of the fraudulent accounts and information from my Credit File. I have read that under the Fair Credit Reporting Act section 605b. I am protected by the Federal law form erroneous reporting and you are required by law to remove any accounts and information off of my Credit File. Please comply with law and have the disputed accounts and information removed as soon as possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$2000.00}. You have not sent me any copy of proof of verification supporting your claims that the disputed accounts belong to me. Without these documents, immediate deletion of the disputed items is to be expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate of Birth : XXXXSS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.6. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.7. Validate Account DEPT OF EDXXXX Account Number : XXXX Please investigate and delete from my credit report.8. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.9. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.10. Sample Reason XXXX XXXX Account Number : XXXX My parent has the same name as me.11. The inquiry was not authorized XXXX XXXX Account Number : XXXX Please remove it from my credit XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.13. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-01
Company: General Motors Financial Company, Inc.
State: MI
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:
Credit Bureau : XXXX, XXXX, XXXX. 


Dear Credit Bureau Representative : I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.

The following inquiries are not related to one of the allowable purposes, as I have reiterated from 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 GM financial XXXX XXXX XXXX GM Financial 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
There is incorrect personal information 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 2023-05-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My right as a consumer is being violated according to " 15 usc 1681a2 '' I did not give permission to have this account furnished on my report. 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. 
These accounts have been reporting on my credit for the past 12 years, and I'm not liable for this debt. 

XXXX XXXX XXXX Account Number : XXXX has violated my rights XXXX XXXX XXXX Account number : XXXX has violated my rights XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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