BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I've noticed some hard inquiries on my XXXX credit report that i did not authorized. 1 ) the first company is " XXXX XXXX '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below. 
2 ) the second company is " Synchrony Financial '' since XX/XX/2022. I contact the company and they say I do not have an account with them so they couldn't do anything about it so I opened a report with the FTC on the matter which I will attach below.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  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 XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-02
Company: P&B Capital Group, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company claims I owe a debt that doesnt show on my credit reports. Ive requested loan documents be sent to my mailing address with no luck. They just wait 30 days then start harassing me and my family members daily. It is very unsettling that they refuse to provide proof this is indeed my account. At this point i would like calls pulled that verifies i asked for supporting documents along with call logs that cooperate what i am saying. If they cant provide that i would like the calls stopped and information removed under my name. At this point its harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 called TransUnionXXXX after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXXXXXX Balance : {$90.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00}

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 non-monetary relief
Consumer complaint received 2022-06-01
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Consumer Adjustment Company CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX To : The XXXX XXXX XXXX XXXX for Consumer Adjustment Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
RE : BMO checking account ending in XXXX I opened a checking account with BMO Bank online after receiving a promotional offer. The offer states a {$400.00} bonus for completing direct deposit within XXXX  days. My direct deposit was dividend/interest payment from a US Treasury Govt Bill which is considered a government benefit payment. However, no bonus has been deposited till today 's date. I've contacted BMO customer service regarding the concern and was told the direct deposit doesn't qualify. How does a government benefit not qualify when it states that exactly in BMO 's terms and conditions for the promotion ( attached ). I would like BMO to honor the promotion as stated. I've attached screenshots showing the US Treasury Bill as well as dividend payment received that was sent to my BMO checking account. If this isn't handled appropriately, I will be pursuing this further with the XXXX XXXX XXXX as well as the Consumer Protection Office of the Attorney General to file a grievance with them to investigate further. 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 2023-06-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens was contacted on the following dates XX/XX/XXXX I spoke with XXXX and XXXX XX/XX/XXXX I spoke with XXXX and XXXX XX/XX/XXXX XXXX then the office of the Chairman, XXXX Case number XXXX was given regarding 1. The removal of the escrow account as more than 20 % down was given at closing and escrow fees continue to rise. 
2. The proper amount of my mortgage loan ought to be {$1200.00} not {$1300.00} as currently requested. 
I was told that by XX/XX/XXXX a verdict would be reached regarding this request. 

It is now XX/XX/XXXX and a new mortage bill arrived 1. Escrow was NOT removed -- no letter, no verdict, no discussion sent 2. There is a {$40.00} fee, that is not justified 3. Current loan payment, even if escrow is to be included ought to be {$1200.00} not the {$1300.00} that they state. 
4. They are requesting {$1300.00} citing an unknown fee and charge, that is not permissible. 

This IS mortage fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This afternoon I discovered Synchrony had closed all five of the accounts I had with them. I have never been late making payments, never had a payment returned, and never violated the terms. When I contact Synchrony after 4 hours of calling and chatting I was told they closed my accounts and will eventually send me a letter to justify why they did. Doing something then justifying it at a later date is simply unethical and shady.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Please be advised I am not disputing the accuracy of the public record. 
I want the public record deleted because the FCRA Laws not being followed by the companies below. 

In Accordance with the Fair Credit Reporting Act. These Cooperation 's below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX XXXX XXXX XXXX ) ( LCI ) 1 ). 15 USC 1681 section 602 A. States I have a right to privacy. 

2 ). 15 USC 1681 section 604 A Section 2 : Its also states a consumer reporting agency can not furnish a account without my written instructions. 

3 ). 15 USC 1681c Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act ( XXXX  XXXX included in the Bankruptcy Act ). 

Please see attached companies who violated the law and them explaining how they broke the laws.

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 2023-01-05
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been dealing with issues with this company for the past few years.We tried to Refinance this loan for modification during Bankruptcy in XXXXWells Fargo denied us a modifiaction.Then after my husband passed in XXXX to his name only being on the loan.Wells Fargo went in behind my back and had my property reappraised at their cost and tried to get me to Refinance this loan with a upgraded home value.Then they suspended my online account access.My payments have been increased without any explanation why.This company keeps saying my escrow account is short but its not adding up to the payments being made.My calls in the past were ignored and not returned.I did seek legal counsel and was told the Loan does look predatory and their actions are unjust.I 'm prepared to seek legal action.Wells Fargo it looks like is trying to take advantage of my name not being on the loan due to my Spouses passing.I have a right to know where my money is going .I have XXXX children to support as a single parent.I have made payments on time due to wanting to keep our home.Every year my home payment keeps being changed.My loan balance due should be lower than what it is showing.

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 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 was the victim of identity theft. Per FCRA section XXXX you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

TRANSUNION COLLECTIONS : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : 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 XXXXXX/XX/XXXX XXXX COLLECTIONS : XXXXXXXX XXXX Balance {$75.00} XXXX XXXX Balance {$15.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$200.00} XXXX & XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Balance : {$590.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) Balance : {$470.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS : XXXX XXXX Balance : {$470.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Problem getting your free annual credit report

Complaint:
My identity has been stolen 2 times within the past 5 years. Just recently since XXXX of XXXX accounts have been appearing on my credit so I have been disputing them. I have started the dispute process over and over every time I dont get results and because of that this company has stopped me from receiving my report with them. I just filed a recent complaint with the CFPB about them not blocking items on my credit report due to the identity theft and not allowing access to my credit report and they responded that they verified the accounts as accurate and that I should receive more information in 7-10 days but quickly ignored my police report, identity theft report and the fact that I cant see my credit report. Its been past the timeframe and I havent received anything but a incomplete credit report. That did not provide the investigation proof that I requested in the dispute of how the came to the conclusion that these debts are mine and I still do not have access to my credit report to check for new fraud.

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 2022-06-01
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2022 I called and requested that Experian send me a copy of my Consumer file. I was notified by an agent named XXXX that the credit report and credit file are one in the same. I explained using legal terms, that information is incorrect. I made it explicitly clear that I was NOT requesting another copy of my Consumer Report, as I already have such. I also explained in legal terms, the difference between a credit file and Consumer report. 
After having dialogue for a brief moment, XXXX then informed me that he would send my credit file to my current address on file. He gave me the reference number also, which is XXXX. 

On XX/XX/2022, I received a copy of my most recent Credit Report, which is CLEARLY not what I requested. 

15 USC 1681g directly indicates how as the Consumer, I have the right to be disclosed to my Consumer file. It was also made very clear by Congress, what a credit file is, and it is not the same as the Consumer report. A credit file by legal definition means all of the information on a Consumer that is stored and retained by a CRA regardless of how information is stored. Whereas, the report is just a detailed written account of a Consumer 's credit history using financial info collected from creditors.

I am filing a complaint for their negligence to adhere to my federally protected rights as a Consumer. I look forward to this issue being rectified by Experian 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 explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: TD BANK US HOLDING COMPANY
State: FL
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:
All known ( XXXX  ) customer service numbers answer but do not allow for any prompts and will eventually hang up. 

There is no online option to make a payment via their web portal. 

At this time i do not know of a way to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: AZ
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:
After I filed the complaint about the credit reporting agencies I did a thorough investigation on my student loans and found out that all my lstudent loans are still current based on XXXX XXXX XXXX. That none of my loans delinquent. Therefore XXXX had fraudulently reported my student loans delinquent even though that is not true. XXXX, company that handles student loans falsely reported a false credit report on me. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a money market account at Truist bank for 34 days. However, when I went to the bank to close the account, the bank had only paid me 12 days of interest, and no one ever wanted to explain to me about the other 22 days of interest missing. I asked many times about this and if I have any options to avoid losing that interest money like for example keeping the money for another week to complete 30 days, etc., but the employee was in such a rush to close the account that practically just kicked me out of the bank. 
The reason I closed the account is because I discovered that the banker that opened my account lied to me. This banker promised a guaranteed 4.5 % APY for the whole year ( yes whole year even if this is a money market ), and when I started having doubts about guaranteed money market interest for one year, I contacted the bank again and I was confirmed that this person that promised the 4.5 % lied to me and it appears he told me this to make me open the account with him. 
I have a document that confirms there are no early closing fees, so I do not understand why the bank refused to pay the promised interest. Therefore, I went to the bank again for help and asked to escalate this problem to the corporate office who apparently " ran an investigation '' and the result of this " investigation '' was that nothing can be done and that I had signed a paper allowing the bank to not pay me that interest which is not true. I even requested a copy of this paper allegedly I signed but until this date I have not received it.

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