BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-07
Company: SYNCHRONY FINANCIAL
State: GA
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:
I discovered when I applied for credit for a new phone with XXXX that my Credit Report has been breached. Someone opened a PayPal credit card account in my name. He has my name, address, e-mail address, phone number, etc. He added an address to my Credit Report profile : ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NY XXXX ) which is not mine, a name was added to the credit report profile : XXXX, a telephone number I have no knowledge of was added : ( XXXX ) and he changed my birthyear from XXXX to XXXX. I requested all the Credit Reporting Agencies delete those changes. I filed a dispute with XXXX, XXXX and XXXX which were denied because he had all the correct information about me to successfully apply for the PayPal Credit Card in my name. I called PayPal 3 times and requested they close the credit card. Credit limit was {$8000.00} and the Balance on the card was {$4500.00}. There was also a closed account on my Credit Report for XXXX and XXXX that was not mine. There were multiple inquiries on my credit report for which I had no relationship or knowledge. I do not have a card number nor a mailing address for this credit card.

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 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is XXXX ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section XXXX ( XXXX XXXX. XXXX ( l ) and the accepted XXXX XXXX XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence.

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 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have tried to cancel the service but as soon as I state that, they just hang up. I dont even recall signing up for TransUnion XXXX 
Refunding all the money they took.

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 monetary relief
Consumer complaint received 2018-08-16
Company: BARCLAYS BANK DELAWARE
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:
Barclay Bank gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to XXXX  and they never put it on my report that this charge is in dispute and are dunning me for payments for Barclay Bank. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my Barclay card to you to return to them. 
I did not want the phone but Barclay insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The XXXX still refuses to put this on my report that this charge is in dispute and keeps asking me to pay Barclay when it is in dispute. 
The XXXX is supposed to put that on my credit card that this charge is in dispute but refuses to do so.

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 2023-09-29
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 value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 2021-02-23
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
At u.s. bank I was put into a GOLD checking account which is meant for people woth credit cards and loans with the bank. I have neither. However I was incurring a XXXX fee every month since XXXX for being in that checking account. When attempting to get reimbursed for the charges they only refunded 3 and said there was nothing they can do for the rest.

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 monetary relief
Consumer complaint received 2022-12-29
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: Was not notified of investigation status or results

Complaint:
After disputing a collection account that was being reported in error and noncompliance with Metro 2 on my TransUnion credit report was deleted on XX/XX/XXXX, it was then re-added on XX/XX/XXXX back onto my TransUnion credit report without notification to me beforehand.

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i stated to XXXX XXXX i never recieved anything from them they should mail me at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX not at ouse address which i told them before and never received a call from them i got all telemarkers block automaticly on my phone and was never requested by anyone at XXXX XXXX to allow them to call so i never received mails or calls

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 2021-05-07
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or before XX/XX/2021 I received a notification via e-mail from XXXX XXXX regarding my credit score. My credit score had dropped more than 35 points as a result of a delinquent cable bill that was sent to CREDIT MANAGEMENT LP, a debt collection agency in XXXX, Texas. Unbeknownst to me, a bill in the amount of {$1000.00} was owed to XXXX XXXX for cable/cellular services provided in the state of Texas. Shortly thereafter, I submitted a dispute through XXXX  and awaited the results of their investigation. 

I finally received correspondence on XX/XX/2021 regarding the aforementioned matter a long with the results of their investigation. XXXX, apparently, found that the " disputed item was verified as accurate ; however other information has also changed. '' According to the investigation report, the account was placed for collection on XX/XX/2021. It was then updated on XX/XX/2021. 

On XX/XX/2021 I contacted XXXX  to contest the findings of their investigation. I spoke with a XXXX  representative and explained the following : The debt owed does not belong to me. I do not owe any sum of currency to XXXX XXXX. I have never, in my life, ever visited the state of Texas. Moreover, it has been, approximately, more than 10 years since I've had cable in my own home, which is in XXXX, Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-03
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: Personal information incorrect

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Earlier this year I filled a complaint because I am unable to open a bank account due to an unfortunate situation that happened in 2017, XXXX sent me a letter back saying that I will be able to open an account with them once I pay what was owed to them which I did this past XXXX in the amount of {$300.00}, my bank account was reopened and the fallowing week it was closed because XXXX said I was reported to XXXX XXXX XXXX by Bank Of America I called BOA and they said for me to write a letter explaining what happened so that they can remove me from all consumer Reports and update my information to XXXX  XXXX  and XXXX   so that I can open a bank account, I have continuously called BOA, XXXX and XXXX XXXX and unfortunately continue to get the run around, I just will like to restore my banking privileges so that I can have a bank account or a credit Union Account, I have provided all the information that I could and tomorrow I will try and fax a new dispute to XXXX, please assist me if you can.

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 monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In accordance with the Fair Credit Reporting act XXXX 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 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 2022-06-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Until XXXX I had a checking, savings, and credit card through Bank of America. I was informed that my account was frozen due to accusations of fraudulent activity. The accusations were that fraudulent checked was attempted to be deposited in my account and then waithdrawn at a ATM machine. I informed the risk department at Bank of America that it was not me and my card had been stolen at a bar. The decision was then made to close all accounts by the bank without any investigation being done. I was then notified by XXXX bank and multiple others that I am unable to open any accounts due to Early Warning System placed by Bank of America. Every ATM has Camaras to show who every transaction if a investigation was done that would have proven my innocence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX NCS contacted a family member to discuss a debt supposedly owed by me. I have not been contacted directly by NCS to discuss the details of this supposed debt. The collector took an opportunity to share the nature of the debt, lease terms and dates, amount due and even asked for a payment from my family member. The family member they contacted was listed on the lease - AS A RESIDENT ONLY - and the information that was shared with him was then shared with the rest of my family who are now all aware of the situation and have much more detail than I. I tried to call NCS on XX/XX/19to discuss, but was only able to leave a voicemail in a Manager 's   mailbox. That call has not yet been returned. I sent an email to the company on XX/XX/XXXX to advise that I believe they are in violation of FDCPA. They replied back on XX/XX/XXXX that they are researching the issue. I don't believe much time is needed for review, since they should have a copy of the lease before they started dialing. I'm not even sure how they got my family member 's telephone number because he does not have the same number as when we lived at the property for which NCS is trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: PA
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:
On XX/XX/2018, XXXX inquired into my XXXX and EQUIFAX credit files without my authorization. They have refused to delete these despite my repeated requests for them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: KY
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Exeter Finance Corp.
State: MA
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:
On XX/XX/2022 EXETER FINANCE LLCXXXX has accessed my credit report from XXXX. I have never contacted or seek to get any kind of financial product from the company nor have I heard of them before. I have never provided my personal information to any bank or other institution in order to get any financial product at the time nor did I authorize any current business I am dealing with to share my information with them. This was a clear unauthorize use of my credit hence a flagrant violation of my rights.

Company response to consumer: Closed with explanation