BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
An Amazon Store Card was opened fraudulently under my nickname XXXX XXXX. I called Symchrony and they 'shut down the account, cleared my responsiblity, and notified the major credit bureaus ' yet continue to harrass me and actually sent me a new charge card. 
Please help as the phone calls are daily

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2018-07-31
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We are a XXXX XXXX XXXX XXXX. Paypal has locked our account and we have submitted documents proving who we are. They are asking a ridiculous amount of information about the products we have for sale ( XXXX ) and request invoices. We have these in our inventory over the last 5 years in some cases and submitting the required information is next to impossible for us. Some of our inventory was by donation, we don't have invoice records for. 

At the current time they are withholding our funds from withdrawal. 

To the best of our knowledge Paypal did this without any consumer complaints against us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 wrote XXXX, XXXX and Transunion on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation

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 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX, XXXX, and trans union are still furnishing inaccurate information, closed accounts, charge offs and transactions on my consumer report. Wrong name and different aliass that hinder my fico 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 2022-08-12
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: Was not notified of investigation status or results

Complaint:
This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a XX/XX/2022 but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.

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 2023-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
In XXXX, faced with losing our home we asked for a remodification. In XXXX, after tacking on {$40000.00}, they offered a XXXX XXXX XXXX XXXX remodification. This was after I had submitted 13 packages, all coming back missing documents. I have hired 5 attorneys over the years. On XX/XX/XXXX, a Judge ruled that Bank of America had violated the Arkansas Statutory Foreclosure Act, buy selling our home while we were making payments. I have filed several complaints in the beginning, with Bank of America telling me " They did not have to do anything the government tells them to do. '' So, I sued and I ligated " pro-se '' for years. Now, they want me to summit another loan, with the acceleration as if in full force. This is in Volitation of the Act, the Judge ruled, 'as if we had gone to trial. I believe I would have proved they violated the Tarp Agreement and I would not be still after all there years fighting to keep my home I built as the XXXX XXXX 
, along with my father.

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 2023-02-05
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1. A Foreclosure on my FHA mortgage for XX/XX/XXXX with No notice to you or posted on the Property. 2. Claims of an incomplete Loss Mitigation application despite providing all documents requested. 3. Having a Homeowner Assistance Application in process for my FHA mortgage this is all happening with loan care

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 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
The FCRA states that it is TRANSUNION 's duty to report correct and accurate information on my credit report and file. However, they are NOT. TRANSUNION is reporting inaccurate late payments for the XXXX XXXX XXXX XXXX account ending in XXXX. These inaccurate late payments include 120 days past due on XX/XX/2018. This is incorrect and is supposed to be reporting as PAID AS AGREED. Moreover, according to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA, a consumer report does NOT contain information or experiences between the consumer and the person making the report. A late payment is a " transaction ''. Therefore, the reporting of the inaccurate late payment results in TRANSUNION violating my federally protected consumer rights under the FCRA. Lastly, I did NOT give TRANSUNION written instruction/ permission to furnish the inaccurate late payments on my report and file, violating 15 U.S.C . 1681b ( a ) ( 2 ). It is very clear that TRANSUNION has violated my consumer rights and the reporting of the inaccurate late payments has caused me and my reputation severe harm and discrimination.

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 2023-09-24
Company: OneMain Finance Corporation
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I applied for one way financial XXXX XXXX XXXX to help build my credit up, I was approved and they sent out a card to the address provided but the card never made it to the mailbox. I have notifications from XXXX  to tell me what to expect in the mail and didn't get that notification. I got notifications from a text asking if I was trying to withdrawal money from a XXXX around XXXX XXXX. I was still sleeping and when I woke up I had several notifications about withdrawing money from multiple sources. I was confused because I hadn't even received the card at all. So I called the one main financial to report the discrepancies and they said they couldn't find my information that I provided because it had change to a different email and phone number than my own. They provided an email and instructed me what to include in the email, address. i.d . phone number and pictures of the transactions and emails saying my password had been requested to be changed. But I hadn't requested that either. No one from the agency was responding to the email and they also wouldn't help me any further on the customer services via phone. I'm am currently getting harassment text and letters saying it's going to go to collection. I found this odd because a first payment hasn't even been due a week for a card that was applied for in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi find it unethical that Chase Bank continues to charge a {$12.00} per month fee for the inability to carry at least {$1500.00} in a checking account with them. It is not ethical for the bank to profit each month through this, I am trying to save money, and they are assessing this monthly feel. I do not meet the waiver criteria ; as I am self-employed and do not have a check direct deposited into this account. I have had great customer care over the years and have maintained a good business relationship to this point ; however I do not feel this is fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with XXXX XXXX XXXX law and continued to report inaccurate information on my creditreport. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROMMY CREDIT REPORT : XXXX XXXX XXXX BANK XXXX USDEPT ED XXXX US DEPT ED 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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete the accounts listed IMMEDIATELY! 
XXXX Accounts as followed Account Name-XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name- XXXX XXXX XXXX Account XXXX XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXX XXXX Account # XXXX Account Name- XXXXXXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX Account # XXXX Account Name- XXXX XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX Account Name- XXXX XXXX XXXX  XXXX Account # XXXX Account Name- XXXX XXXX Account 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 2023-12-07
Company: EQUIFAX, INC.
State: NJ
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:
Today, I received two letters from Equifax sent on XX/XX/XXXX, which asked me to send personal information again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX XXXX XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the XXXX XXXX CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.

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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
I disputed with Transunion about a XXXX XXXX XXXX due to immaculate information. They sent me back saying dispute resolved i never recieved any information on how this account was verified no paperwork was sent to me with my accurate information & i was never told how this account was verified as mine. I am trying to get a vechicle to make it to work to support my family and this account is stopping me from doing 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 non-monetary relief
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: KS
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:
After providing Experian with proper legal documentation of my " Legal Name '' and " Current Address '' Experian is willfully choosing not to correct the inaccurate information. 

Please see attached previous complaints XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I was having a hard time managing multiple checking accounts while going through my XXXX treatments, so I closed the one charging me monthly fees ( Bank of America Checking ). I closed this account from within my local branch ( the only way allowed ) and was told that it would be closed with a zero balance and all pending transactions ( including automatic payment to my credit card also with BoA ) were factored in. I was given incorrect information by the branch, and the payment to my credit card did not go through ( a tiny {$20.00} or {$40.00} amount ). Due to the bounceback from closing my checking, BoA put a restriction on the credit card payment system and did not allow me to make any payments on the account. I was not able to visit a local branch again due to being in the hospital for XXXX with my XXXX, and they listed the account as past due and closed my credit card, resulting in a 100 pt drop in my nearly perfect credit score.

In addition, when I called to attempt to resolve the issue ( a call placed while at my local branch ), I was given a trove a misinformation ( which was also given to the branch manager. They also ran my credit again without my permission when " looking into re-opening the closed account '', resulting in a hard inquiry that I did not place and further drop in my credit score.

Both of these issues have caused my credit score to drop.

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 2023-09-21
Company: Experian Information Solutions Inc.
State: NV
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:
Good day! I am presenting this complaint to you as the assurance that the Credit Bureaus will REMOVE these accounts listed in this complaint that were reporting in my Experian and XXXX Credit Reports. I am just following up for my previous complaint. I am kindly asking the Experian and XXXX Credit Bureaus to please remove these remaining listed accounts from my credit reports : EXPERIAN : 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 explanation
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2021-04-18
Company: Experian Information Solutions Inc.
State: NC
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 recently sent a dispute letter toXXXX, XXXX  and Experian on XX/XX/2021, now it's XX/XX/XXXX and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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