BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

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

15 USC 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-06-06
Company: Kansas Counselors, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXXXXX XXXX XXXX ( XXXX ) billed my insurance for services rendered in XXXX of XXXX. It was denied because XXXX included information indicating that the injury was part of an accident and my insurance carrier rejected the claim because they thought it was an auto accident. 

XXXX sent the {$770.00} claim to collection, Kansas Counselors Inc ( KCI ), in XXXX of XXXX. KCI called me in XXXX and I told them it should be covered under insurance. I called the insurance company and XXXX and got the miscommunication cleared up, XXXX adjusted my account balance to reflect the insurance payment. 

KCI called me again each month from XXXX through roughly XXXX and I told them each time that it was paid by insurance and their balance is wrong. The final time KCI called I asked them to only deal in writing and to send me a debt validation and verification letter with a full detail of the account balance from XXXX because their information is wrong. They did not send me the information I requested. 

XXXX of XXXX KCI reported a {$770.00} collection to my three credit reports. I disputed the amount and KCI responded that the information was accurate. 

I spoke with XXXX on Friday XX/XX/XXXX and discovered the account was paid by XXXX XXXX, leaving only a copay due to {$190.00}. I spoke with KCI on Monday XX/XX/XXXX and informed them of the correct balance, they refused to contact XXXX for updates and will not remove the item from my credit report. I have offered to pay both XXXX and KCI the correct amount but they can not get it clear d up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: JPMORGAN CHASE & CO.
State: OH
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:
I noticed 2 identical charges on my XXXX statement for XX/XX/2021 for {$180.00} from a vendor called " XXXX XXXX XXXX '' transaction ID XXXX invoice ID XXXX details " Restart game ( XXXX XXXX ) and XX/XX/2021. 

" XXXX XXXX XXXX '' transaction ID XXXX invoice ID XXXX details " Restart game ( XXXXXXXX XXXX ) Out XXXX account links to our credit card for Slate Chase Bank. We disputed the charges with Chase right after they occurred and they initially credited both to us. After months of investigation by their fraud department, they decided that the charges were " valid '' and charged them back to our account. We then pursued the claim with the Ohio Office of Consumer Affairs under which XXXX complaints can be investigate. After some time, XXXX agreed to credit back the charge of XXXX from XXXX but said they could not credit the one from XX/XX/2021 because it was already " charged back '' by the credit card company. This was back in XX/XX/2021. We have tried to pursue the earlier charge of XXXX with Chase 's fraud department again and even got a local branch to assist. They called us several times and left messages. When I called back, many times, I was never able to reach them as they never answered their extension. We have tried to get them many times but they have sent an on-line letter to my account saying they have abandoned the attempt since they could not get ahold of me. They left another number and extension which I have repeated called and have not gotten any more response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23
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 have sent Experian, XXXX, & XXXX multiple complaints about fraudulent transactions made by XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Violations of privacy, & I havent got a remedy from neither companies. Latest news publications headlines that these companies have settled in lawsuits admitting to non investigations of the consumer complaints. Also XXXX has settled with them. I have been discriminated against by all companies.

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 2019-08-01
Company: MORGAN STANLEY & CO. LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A few months ago the servicing of my loan was transferred from XXXX to XXXX ... in almost 3 years there has never been an issue with making a payment which is sent via my bill pay every month. Once the servicing was transferred, the are suddenly having an issue receiving the payment and now they are assessing late fees when payments are sent before the final due date. The payment is mailed on the 12th every month for almost 3 years with no issue until XXXX took over. They assessed me with a late fees and I contacted them via phone a few weeks ago and was assured by a phone rep that no late fee would be charged. Now I have my coupon and there are late fees. I sent a request to them to retract the late fees on XX/XX/2019 and they responded today with we are unable to accommodate your request to waive your late fee. The payment for XXXX was received on XX/XX/2019. 

Again I want to reiterate this has NEVER been an issue until XXXX took over. 

Please assist as they want over {$70.00} in late fees ( please see attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: KEYCORP
State: ID
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Account had a debit of XXXX to XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, i have no idea what this charge is for. The bank said the card was present at the time and since i still have my card it had to be legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions 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:
I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, my check account had a cash withdrawal of amount {$350.00} at California XXXX XXXX Bank of America Branch. However, my wife and I, who are the only authorized user of this account, are travelling outside California the entire week. There is no way we could make this cash withdrawal. 

Bank of America said they have investigated this issue, but denied my claim. They said signature is consistent and they have account owner 's identification. This is not possible since my wife and I are both not in California during that week.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-01
Company: Experian Information Solutions Inc.
State: NY
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 have reviewed my Credit Report and seen a Number of Fraudulent Accounts and Inquiries. I have contacted the Creditors and they stated that they have No Evidence of my Credit with them.

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 2017-11-18
Company: DISCOVER BANK
State: FL
Product: Credit reporting, credit repair services, 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 have a hard inquiry from Discover Bank on XXXX XXXX that I did not authorize or approve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2022-03-18
Company: Experian Information Solutions Inc.
State: NJ
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 have a XXXX account with what is supposed to have a Date of First Delinquency of XXXX and is supposed to fall off in XX/XX/XXXX. Both XXXX have it reporting properly ; EXPERIAN is wrongly reporting it as a more current account. They refuse to correct it via disputes and it is impossible to call them as they no longer take phone calls from people and only use an automated system. I am demanding to speak to a human to confirm the accuracy of this information from EXPERIAN and they will not speak to me. I've tried to get past their automated prompts endlessly to no avail. This one mistake is causing a XXXX point difference in my scores and it is easily attributable to this one wrongly reporting account

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to XXXX, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the XXXX. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
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

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 2022-03-18
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
synchronybank.com synchronybank does retail credit cards i applied for synchronybank car care credit card XXXX times paypalcredit credit card i applied for XXXX  XXXX And all i get is " high risk source of application '' there is no mention of a credit reporting agency i have called there support in the past i get " They know nothing '' " Have no idea. '' " And can not tell me '' What credit agency did they check? i have no idea. they will not tell me. 
How could i fix info in error if they do not say what it is? 
They are unfair and illegally doing credit A check on the internet reveals i am not the only one synchronybank is in violation of THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] please take action against them thank you 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 2022-12-23
Company: DISCOVER BANK
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
This is a predatory loan by Discover. Loan ( s ) were taken out in 2011. I have paid nearly {$65000.00} over XXXX years on 2 loans that were for a total of {$49000.00}. I STILL owe over {$36000.00}. They refuse to lower my monthly payment and it is destroying my credit and crushing any hope of owning a home/starting a family. 

Here are the details : XXXX XXXX - XXXX 8.625 % ( this is the current rate ) - variable XXXX XXXX - XXXX 11.125 % ( this is the current rate ) - variable Discover states that the terms ( including variable rates ) were disclosed during application process, which is probably true, however I am just finding out about this now. I admit I was young and inexperienced when I took these out and don't remember the conversations during the loan process but I have never once been told that these are variable rate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
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: Reporting company used your report improperly

Complaint:
I recently went to check my consumer report on XX/XX/2022 and I noticed some new accounts on my consumer report. The account that I am talking about is the XXXX XXXX  account XXXX Before I proceed, I would like to make it clear to your company, and those in position of authority at your company that congress makes it clear that the banking system is dependent upon consumer reports being fair, and accurate to me pursuant 15 USC 1681 ( a ) ( 1 ).

Pursuant to 15 USC 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role and because your assumptions you have negatively affected my life, and those around me causing me severe hardships, mental anguish, and XXXX. I have been unable to provide for myself and my family because of you assuming this role. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) You are unfair in reporting this information without first consulting with me the consumer, you have no proof that this transaction even took place. You were also impartial because you allowed information to be reported while only hearing one side of the story. You also infringed upon my right to privacy by having a conversation about me with a third party and reporting this information because of that third party. I am demanding that this information be removed immediately.

Pursuant to 15 USC 1681 ( a ) ( b ) You did not meet the needs of commerce because this was not fair and equitable to me. This information is not accurate nor is it relevant to me, nor was this false information properly utilized in a manner that is or was equitable to me. This transaction if it even took place shouldve been confidential so you in fact betrayed my confidence.

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( I ) If this was a factual transaction ( Which you would not know because you were not there ) it would in fact be a transaction that solely took place between me and the person who allegedly made this report. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( iii ) I the consumer was not given a chance to direct the information whether I want information about this transaction to be reported or not. This is referenced in the Gramm Leach Bliley Act.

Pursuant to 15 USC 1681a ( 2 ) ( B ) I the consumer is aware that transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. Thus, making my social security card a credit card. This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report.

Pursuant to 15 USC 1681b ( 2 ) I the consumer never gave written permission for this consumer credit transaction to be report on my consumer report

Company response to consumer: Closed with explanation