BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 2019-10-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
While purchasing a TV from HHGregg i have been making payments without fail until I noticed that my balance doubled recently when I called synchrony financial they informed me that the first two years was interest free for a promotional period and now the interests has been added to my loan almost doubling it with only a small balance remaining this was not explained to me and when I requested paperwork from them showing where I agreed to that she hung up the phone very unprofessional and fraudulent

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 2021-07-01
Company: NAVY FEDERAL CREDIT UNION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I Applied for a credit extension for a vehicle loan and was immediately denied. Then I was sent a letter in the mail as to why which displayed clear contradictions and invalid reasons as to why because I can not be denied as the original creditor in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern : I have recently received a copy of my credit report and noticed a number of accounts that need further validation. In response, I submitted a letter to request that Senex Collection Agency validate this debt. I requested this information to avoid any fraudulent information being reported on my credit report. The original request was mailed on XX/XX/XXXX ( see attached document and delivery confirmation receipt ). I requested several items to be validated as noted below ( see attached letter ) : Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the original signed agreement with the original creditor. 

The date the original creditor claims this debt became delinquent. 

Any documents which show a signed consent agreement between me and the original creditor. 

A detailed copy of any payments made by my insurance company. 

Please also include details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license and license number, and the name, address and telephone number of the state agency issuing the license. 

In response to my request, Senex failed to provide the information requested. Their response was to provide an itemized bill which does not validate this is my bill, no signed agreements, insurance payments,,, etc. In fact instead of providing the documentation requested, they are stating that I need to provide proof to Senex that this medical bill is not mines ; which is the basis of my original complaint. Senex is denying me the right to dispute a bill by failing to provide adequate proof. In fact, I do not have a relationship with this provider, I have not received any statements from this provider and this bill does not belong to me. The itemized bill appears to be erroneous, they are reporting on my credit file that this debt occurred in XXXX for services rendered in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
Good day! I am XXXX XXXX XXXX, owner and repairman at XXXX XXXX XXXX XXXX XXXX. I created a paypal account to serve as one of my payment channels.

After creating the account, one customer sent a payment and the payment got hold. However, after several days, I received an email from paypal saying " You can no longer do business with paypal ( Ref - ID - XXXX ). The email says that I am violating Paypal User Agreement. I am not doing any malicious activity or transactions with my paypal account. I need you help to restore my account so that I can use it again on my business as it is one of the most convenient payment methods of my clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: EQUIFAX, 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:
Company verified information but did not provide me any original documentation or signature.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: EQUIFAX, 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 have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( XXXX ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/ Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Friedman, Framme & Thrush, P.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX, Friedman , Framme & Thrush , P.A . garnished my wages ( {$550.00} ) stating that I was not compliant with a set payment arrangement. Per conversation with an attorney at the firm, I missed a payment from XX/XX/XXXX. As of current date, I had not received any correspondences from the firm and continued to make all payments timely as agreed in the original settlement. In addition, I provided proof of payment. A writ of garnishment should have never been requested/issued on XX/XX/XXXX. The communication between both the attorney and the legal firm has been subpar suggesting that after contact my employer to reverse the garnishment although my employer was within legal rights to execute the garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08
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 am been disputing the account appearing on my report for over a year now in which it has been unsuccessful. They are violating the FCRA by reporting inaccurate and false information and continue to mention how it is valid. I sent disputes on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. Spoke with the original creditor on XX/XX/2019 and XX/XX/XXXX. Now I am submitting an additional attempt in order to get this removed as they are violating my rights with continuing to report inaccurate information. I have included screen shots of all the disputes with mentioning how the account must be removed due to their inaccuracies and they continue to refuse on removing the account which is my legal right per the FCRA.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, someone sent me a XXXX payment of {$800.00} to my CapitalOne negative account by accident. That person wants their money back. I wish to give it back to them but since my account went from negative {$790.00} to + {$0.00} I do not have sufficient funds to return the XXXX payment. CapitalOne will not return this individual their funds and after my dispute with them, their investigation team " found nothing wrong with the transaction. '' I do not have any money to give to them, CapitalOne has robbed that person of their money. Please give this person their money back they are consistently asking me for their money which CapitalOne has. I am fully aware that once Capitalone sends this person their money back my account will go negative again, that is fine and as soon as I get a job I will bring my account back to good standings. The covid19 pandemic has really affected me financially and this has caused an even greater issue. I am unemployed and have 0 income and 0 ability to give this person any money from my own pocket. CaptialOne, believe return this money to the person. XXXX makes it clear that if you send a payment to the wrong person they by no means are required to send it back, however in this case, I am 100 % willing to give it back but the money is in CapitalOne 's hands and they are rejecting to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I urgently ask you to eliminate the fraudulent accounts from my credit report without delay.

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 2019-10-08
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I have asked Discover Card, repeatedly, to stop marketing to me. I have told them I don't want their " convenience checks '' in the mail, and I have asked them to stop sending me their " Discover Bank '' unsolicited loan " offers. '' I even went so far as to CLOSE my account with them recently. But, when I told them the main reason I was closing my account was to get them to stop harassing me with their unsolicited loan offers, they had the temerity to tell me that the loan offers come from " Discover Bank '' and wouldn't stop even if I closed my credit account. They said they would transfer me to them to " request '' they stop, but instead they dropped the issue and ignored me. I have had enough. I have asked them over and over again to stop marketing to me, and they ignore me. At this point I wouldn't take a FREE loan from them. It seems like they are sending their obnoxious loan offers out of malice at this point, than anything else, as they can not possibly think I would do business with them now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXX-21 I sent in a mortgage payment to Bank of America via my banks electronic payment system. I do this every month to pay the Bank of America mortgage. It was returned on XX/XX/XXXX-2021 with no explanation given. I re-sent the payment on XX/XX/XXXX21 in the exact same manner and it was accepted as it usually is when delivered in this manner. this is the second occurrence with B of A not accepting payment through the federal banking depository system. they have charged me a late fee twice now due to this issue. when I call to resolve the issue and try to diagnose why this is happening I get put in a call transfer loop that I can not escape from. the customer service people have given me separate numbers to call that direct me back to the same automated phone tree. each time I call I am on hold and/or being transferred around for anywhere from 25 to 40 minutes before I have to terminate the call due to the need to attend to other previous commitments. This refusal of funds followed by a late charge is the second occurrence in 12 months with B of A. I have no way of efficiently contacting a live human being with discretionary authority to resolve this issue. I have been unfairly charged for late fees. this is a willful attempt to defraud me of funds that Bank of America is not entitled to.

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 2021-01-20
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Between XXXX XXXX XXXX and XXXX XXXX XXXX, the limit on your SYNCB/PAYPAL CREDIT CARD credit card decreased by {$1500.00} from {$2000.00} to {$440.00}. 


wasnt able to attach to previous complaint again a credit limit of XXXX in XXXX TO XXXX IN XXXX XXXX  MONTHS LATER WITH THAT DECREASE IT DROPPED MY XXXX XXXX BY XXXX POINTS AND SAID I WAS OVER MY LIMIT

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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Someone has been using my credit card for XXXX purchases without my knowledge. There are about 127 unrecognized XXXX transactions on my credit card from the beginning of XXXX to XXXX that I recognized on my credit card. These charges did not show up on my XXXX account and were not recognized by any family or friend asked. All the unrecognized transactions added up to about {$6300.00}, all classified as XXXX purchases. After reporting credit card fraud to my credit card company, they closed my credit card and temporarily lifted the charges for those unrecognized transactions. After the credit card company 's fraud department reviewed my dispute, they concluded that I received benefit from this transaction, which I know I have not. I contacted XXXX XXXX  and they found that a separate account has been using my credit card. I submitted another review for the same fraud case to my bank. This time, the credit card company also knew the separate account name that had been using my card and knew the address to where those XXXX deliveries were being sent to. After a second review by my bank 's fraud department, they still concluded that I received benefit for those transactions and closed my dispute. I have records of all my interactions with XXXX and all the unrecognized transactions made on my credit card. I contacted XXXX XXXX  again about my situation, and they said before they could proceed with the transactions records of all my unrecognized purchases, they needed additional documentation to verify my identity and the claim of fraud or identity theft. XXXX XXXX  even found the account holder 's name that make all these charges. XXXX requested an identity theft affidavit prepared in conjunction police report and a copy of the police report regarding this incident. My local police dept took too long to get a case number for my report, so the identity theft affidavit from XXXX expired. This is during the Holidays and Covid time and they have shortened the lobby time at the police department. I showed my bank account my XXXX transaction history with screenshots and my account info, but after disputing again, they once again concluded that I received benefit from those transactions. At this point, I don't know what else I need to show my bank account to prove that I did not make those transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-07
Company: PNC Bank N.A.
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a trustee at PNC bank an had business with this company, the location of this was XXXX XXXX, I have loss my power of doing business with this bank, I came to the bank an spoke to one of the clerk there an waiting for response from the bank clerk, the banker want my, ( SSN ) social security number, I had went down the block already why I told the teller about problem in business I had, my private info I have to e-mail to the teller.Correct address to bank is, XXXX XXXX XXXX, XXXX, KY XXXX.Seeking a support system have police report at XXXX metro police department , an have asked for other report that have been denied by these officer trying to talk to XXXX integrity unit around XXXX, an the officials there, this is ask the expert, I have open other bank to this is the more reason encounter of where is my account.

Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief