BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any account which was opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent. 

XXXX XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX TRANSUNION Collection : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$170.00} XXXX 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 2023-10-10
Company: EQUIFAX, INC.
State: IL
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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Santander is indeed a 3rd party to this transaction. They do not have first hand knowledge of what actually took place or what was said at the dealership, I wan na start this complaint by stating i never received my right to rescind as federal law states i have the right to. 15 USC 1635 " the DELIVERY of the information and rescission forms required under this section together with a statement containing the MATERIAL DISCLOSURES required under this subchapter, I never got told i had a right to rescind let alone material disclosures on how to exercise those rights, a cooling off period is not a RIGHT TO RESCIND. FEDERAL LAW NEVER STATES ANYTHING ON COOLING OFF PERIODS. 
I also received a NOTICE OF INTENTION TO DISPOSE OF MOTOR VEHICLE, that is also a violation of 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Charged double on XXXX XXXX capital one and XXXX  bank accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: TX
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 have been sending out letters out since XX/XX/XXXX. The last letter was sent out on XX/XX/XXXX. I have either not had a response or they tell me they have investigated my issue with the company and then states that it meets FCRA regulations. In my letters I state that a company was reporting inaccurate information on my credit report. It reports different account numbers, date last active, date opened, and also reports past due on accounts that it should not. From my understanding if one company is reporting to the bureaus it should have the sent the same information on all three bureaus. The only thing that was changed was a re aged or update on my account and I was ignored. This situation is hurting my credit score.

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 2021-04-24
Company: CITIBANK, N.A.
State: LA
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 noticed unauthorized inquiries on my credit report Ive noticed that someone apply for something in my name I reached out to all creditors neither one could give me any info of where these inquiries came from the only action they gave for me to contact you guys. I dont recall giving any of these companies permission to pull my credit. Under the FCRA LEGALLY these MUST be removed

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act, XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX B XXXX XXXX XXXX VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After receiving a notice from a different debt collector dated XXXX XXXX, XXXX regarding a debt of {$200.00} with XXXX ( which I had never heard of before ), I sent a letter XXXX XXXX, XXXX noting that I do not have any responsibility for the debt for which they were trying to collect and requesting that they not provide my information to any other company. I then received a letter from another company dated XXXX XXXX, XXXX regarding that same debt. I responded to it on XXXX XXXX, XXXX stating once again that I had no responsibility for the debt but if they had good reason to believe that I was, to send me proof. 

I then received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX, both received XXXX XXXX, XXXX. One was a letter stating they were initiating a review of the inquiry received and the other with the documentation of a bill from XXXX from XXXX XXXX. This bill was for someone with the same name as me, but for an address/state where I have never lived. I sent a letter dated XXXX XXXX, XXXX stating that the debt did not belong to me and that I have no responsibility for it. I noted that I have never lived in South Dakota and I have never had an account with XXXX or XXXX. I asked that they stop all communication with me and with my address and to record that I have no obligation for this debt. I also noted that they were to have removed my information from their records previously because of a different account they tried to say was mine ( which was from the same town in South Dakota as this debt ), which they finally agreed did not belong to me. They stated before that they had removed my information from their system with regard to the previous inquiry. However, they or someone they work with must have given my address to other companies. 

I once again received 2 letters from Resurgent Capital Services dated XXXX XXXX, XXXX. One was received XXXX XXXX, XXXX, and the other was received XXXX XXXX, XXXX. They included the same information regarding the debt as the letters received in XX/XX/XXXX. 

I have never lived in South Dakota and I have never done any business with XXXX or XXXX. I continually tell them this debt does not belong to me. I have asked that they remove my information from their systems. I have absolutely NO delinquent debts and they have no reason and no right to keep my information in their systems. I understand they have a job to do, but continually contacting me about debts that are not mine is harassment. 

This has required that I sent multiple letters certified mail and return receipt. This cost is getting burdensome for me and I want them to stop badgering me about debts that are not mine. I have NO responsibility or obligation for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On or around XXXX of XXXX  I received correspondence to a prior claim stating from Bank of america they did everything they could to help me at the time with my mortgage. Nothing could be further from the truth. Firstly after sending documents pertaining to this episode of fraudulent activity to my current place of residence, I noticed that the documents did not contain the more important Deed to the property. When I inquired about the deed I was not given any answers as to why all the documents were without the Deed. Secondly, I have tried to remedy this situation multiple times and am looking for restitution as well as the CFPB to do an investigation into this matter because there inconsistencies with the different documents sent by Bank of america. Since bank of america never established ownership ( through original deed ) I feel they had no legal right to fourclose on my property. In addition to the proven facts surrounding illegal signature 's, Robo signings, and nefarious activities within the bank as well as sworn affidavits and testimony from bank employees it speaks to fraudulent behavior at all levels.

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 2022-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
During XX/XX/2021 California EDD placed my initial disibility payments on a debit card issued by Bank of America. 

I was not able to access the funds. I called Bank of America and was told that there was suspected fraud and California EDD placed a hold on the card. 

I contacted California EDD and ws told that my claim was approved and that Bank of America should release my funds. 

I am currently receiving disability checks fro California EDD. 

I have conveyed this to Bank of America on several occasions but they are still refusing to unlock my card and release my funds which they are continuing to make a profit from Please investigate.

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 2023-10-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 4TH '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

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 2022-11-01
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... XXXX XXXX {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Experian Information Solutions Inc.
State: FL
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:
Around 2 weeks or so I was having trouble logging in to my experian account and Ive been calling and having no resolution to my problem as to this day I still cant login to my account even after countless password resets

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 2022-02-12
Company: Experian Information Solutions Inc.
State: NY
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 have filed a dispute regarding the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2023-04-13
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:
Im re filing this issue in relation to case XXXX. Transunion responded that they would delete the information i disputed and they still have yet to do that. This case needs to be reevaluated to have items deleted from my credit report. I've attached file for refence. Transunion response was " in response to your request, the following actions were taken on your credit file : Other miscellaneous actions take based on your request were : Inquiry - DELETED ''

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 2022-05-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My wife and I were traveling across country beginning Tuesday XX/XX/XXXX and returning on Saturday XX/XX/XXXX. I had just about paid off the Synchrony credit card to use for hotel stays and to purchase fuel as we travelled. Everything worked fine until the we tried to book a room in XXXX Arizona on XX/XX/XXXX and we were declined. I called the credit card company and asked why the card was declined. I was told that on XX/XX/XXXX ( the day before we left ) a fraud charged was placed on the card. They then allow 15 days of activity to transpire before the account is suspended. 

I asked why I was not notified by email, text, or phone call. I was told that they don't find this very secure. I was told that a letter was sent referencing the fraud charge and new cards were sent. As an aside, when I returned home there was no letter of any kind from Synchrony credit card company. However, there was a new credit card that came in the mail. 

On the phone, I asked them to reissue the number they cancelled so that I can continue my trip with my wife. They were not able to do so. If I did not have another credit card I'm not sure what I would have done. I expressed my anger to them and asked for the phone call to be elevated to a manager. As I talked with the manager, I asked what was the fraud charge? They did not know or couldn't tell me but someone did something. I said you then wait 15 days of charges to occur and then you stop the card from being accepted! 
The response was that if they find there were invalid charges by someone else they would remove the charges. I said that sounds ridiculous. 

I find the company irresponsible for the havoc and anger they created for us and I have no intentions of using their cards again without knowing their justification for this action. I'm hoping you can find out what happened so that this does not happen to someone else. Thank you

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 2023-01-10
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I checked my credit report and found a hard pull from 'ComenityCapital/XXXX XXXX dated XX/XX/XXXX on my XXXX report that I did not authorize nor initiate. I immediately contacted Comenity and spoke to someone who confirmed there was an application using my info. She said they would decline the application and remove the pull from my credit history. on XX/XX/XXXX I checked my credit again and the inquiry was still there so I submitted a dispute on the grounds of fraud with XXXX which was denied. I then contacted XXXX on XX/XX/XXXX regarding the dispute and was told that I needed to contact Comenity to have them issue a deletion of the pull. Again, on XX/XX/XXXX I contacted Comenity who now claims there is no record of my previous contact or application under my name, social, etc and that I need to contact the credit bureau.Currently, the inquiry on my credit report remains, as neither Comenity nor Equifax will take steps to rectify the fraudulent report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: SYNCHRONY FINANCIAL
State: CA
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:
About a week ago I saw my credit score had reduced. XXXX shows this hard inquiry fromSynchrony Bank, who service some types of Amazon credit cards : Name : SYNCBAMAZON Requested on : XX/XX/2023 Location : XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type : Individual I haven't requested credit cards in years, and have not made any new requests. I didn't make this one. I called Synchrony Bank, who confirmed that they have NO data at all for my name, phone number, or SSN, and have nothing that can confirm I ever made a request. They declined to provide any written confirmation of this fact. 

I then called XXXX, who claims that is impossible, and that if the hard inquiry exists, it was from Synchrony Banks systems. The rep straight-up said Synchrony Bank is lying about this. This alone puts it well out of anything I could deal with myself. 

I even got an email, supposedly from Synchrony, about the " status '' of my " request ''. It was this that made me call them, and they said no such request exists. Yet there is the hard inquiry, which XXXX says absolutely did come from them. Here 's the main part of that email : -- -- -- -- -- -- -- -- -- -- -- -- -- Your AMAZON STORECARD online credit request. 


Hi XXXX, Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. 
View Details Reference Number : XXXX AMAZON STORECARD Credit Services -- -- -- -- -- -- -- -- -- -- None of this could be verified in my call to Synchrony bank. They insisted there is absolutely nothing in systems about this.Again, XXXX says that if there's a hard inquire from them, then they DID make it, and they should have records.

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 2022-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One has closed the account claiming : We are closing this account because activity on this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement. ( see letter attached ) The activity on the account is not in violation, and payment history is perfect on the account as reflected by Capital one on all of my credit reports. Self creating a reason to close this account that is current and in good standing and in no way in violation of their own terms is discriminatory and has had a adverse effect on my credit and my co-users credit. This is a unfair practice by capital one who originally offered this card to me as a way to rebuild credit. After denying me a Car loan after providing me a pre-approval, after accepting another car loan from a different source, all of a sudden, now Capital one has closed my Credit Card account. I believe this is retaliation. I request that Capital one disclose the exact reason for closing this account and actually spell out the violation, or re-open this account, as I said I have made no violations of our agreement, Captial one is the party in violation.

Company response to consumer: Closed with non-monetary relief