BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-20
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
My application for an XXXX Mastercard was denied, presumably in part because of the incorrectly low credit score listed in the adverse action notice. When I called Sychrony Bank to ask for an explanation, as I have excellent credit, with a score above 830 and more than {$200000.00} on deposit in a Synchrony Bank savings account, the phone representative was unable to give any more insight as to why the bank denied my application on the basis of weak credit. 

The adverse action notice lists XXXX XXXX as the source of the credit report. XXXX is not, to my understanding, a standard credit reporting service and does not have access to information that would be standard for FICO, XXXX, XXXX, etc. The adverse action notice listed my credit score as XXXX, which is more than 150 points lower than all the scores I have been monitoring through other bank account relationships ( XXXX XXXX XXXX and XXXX for example ). 

As one of the nation 's largest banks, with reportedly more than {$79.00} XXXX in assets, it strains belief that XXXX uses only the non-conventional, non-standard XXXX XXXX to access prospective customer credit information. 

These facts suggest that Synchrony did not believe I would be a profitable customer ( in terms of spend and balances carried ), so used the XXXX pull as a means for denying my credit application. 

I am filing this complaint because I think my experience with this credit application may have exposed a bank practice by which certain customers with excellent credit are denied under the pretext that they have insufficient credit. These customers are harmed because they go through the time and trouble to apply for credit, have an inquiry made to their credit reports, only to have their applications quickly denied.

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 2021-12-01
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 2021-08-23
Company: M&T BANK CORPORATION
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail dated XX/XX/21 from a collection agency, XXXX XXXX XXXX XXXX, XXXX XXXX, NJ with the following information : CREDITOR : M & T BANK FEES : {$50.00} TOTAL BALANCE : XXXX CHARGE OFF DATE : XX/XX/2021 it stated the above referenced creditor has placed your account with our office for collection, blah, blah blah. I am appalled, M & T Bank has been my bank for years and I had my mortgage, checking, line of credit, visa card, etc. with them and never late, never missed a payment, paid early, everything right and they send a collections letter for {$51.00}!!!! 

I contacted the branch office in XXXX, NJ around XXXX Monday morning and got a representative named XXXX that said she would research this and get back to me, and she did at XXXX. XXXX asked if I wrote in to cancel the account, I told her that I did not recall writing in to cancel when I paid off my mortgage and paid off my line of credit, my Visa card is still open with a XXXX card balance. XXXX then said there was nothing she could do for me because the bank did nothing wrong, the charge was a service charge because the checking account was attached to the line of credit and needed to maintain a certain balance to be service fee free, of which I was not made aware of at the time, I even forgot about and if I was told this was all during COVID time and told her I would have asked to close all accounts. XXXX said I would have been told that the checking I would need to come in or write in and have the letter notarized although the other accounts were closed on-line, not their fault so a service charge was added and I needed to pay it. 

XXXX said she would " Bubble it up! '' and pass it along, not sure what that meant but I told her I would pass this complaint on myself and she said. " okay, that's fine '', I said even after I've been an exemplary customer, spent thousands of dollars with M & T, never late and this would mess with my credit you just wan to say, you will " Bubble it up! '' What does this mean? I said I will just complain to the CFPB, she did not care and we hung up. t 's sad when a bank doesn't care about a thousands of dollars customer and will send them to collections for {$50.00} and mess with their credit even during COVID times. What have we come to and it's fees for something that I don't even own or did not make for myself, they added the fee!

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 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 
I did not authorize these inquiries 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 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  Please remove it from my credit report

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 2019-01-20
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I Graduated from XXXX college in XXXX owing XXXX worth of student loan, I paid back, and struggled through a divorce and every time I would call Navient, ( Sallie Mae transferred my loan to them ) I was told to just take a forbearance. I filed bankruptcy in XXXX, and paid XXXX toward my loan and was told when I got out in XXXX I still owed, XXXX. I don't understand. I paid on these loans I wasn't always in a forbeance or deferment. But I cant get no help to figure out where the money I paid went. I also have worked at a place that qualified for loan forgiveness, but I am being told that none of my payments until I had enough and switched to XXXX XXXX qualified for loan forgiveness. I need some answers and no one seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Multiple contacts with TD bank were left without action by the bank, even some were not recorded. Latest complaint was made on XX/XX/2019 with XXXX XXXX in Chairman office who informed me that the bank likes to track customers ' IP addresses if they are abroad. From me the bank is asking for telephone number, otherwise blocking access to my account. This is an outrageous violation of privacy, rights and freedom of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
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 has violated federally protected rights to privacy and confidentiality under U.S.C 1681 XXXXXXXX XXXX XXXX  acct : # XXXX and XXXX/DOFED acct : XXXX XXXX and Equifax and XXXX inaccurate : Personal information i have never live at these addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX andXXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good afternoon, Recently our family was scammed out of our entire checking and savings accounts. My wife was on their Wells Fargo website taking care of bills and transfers when she was prompted by the Wells Fargo website that she was being hacked. They called, verified that the message she received was Wells Fargo, verified our bank account information and directed her to pull all the accounts money, up to {$17000.00}, and directed her to deposit the money into another account under the pretense that they were representing Wells Fargo and were in the account. The scammers also had personal social security, address information, and family information that was stored on the Wells Fargo accounts to verify that they were with Wells Fargo. 

The Wells Fargo bank allowed both our savings and checking accounts to be cleaned out in the same visit. The bank did not ask questions and allowed for the accounts to be wiped instantly. We have claims with the Wells Fargo bank account but they are denying the claims. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX You are in Direct Violation of the Fair Credit Reporting Act Account # : XXXX, Account name : XXXX has violated several of my rights.

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 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.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2022-07-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on 3 credit bureaus to remove the unverifiable items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$5000.00}, XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX  XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1800.00}.

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 2021-08-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Thank you for taking the time to help out with this matter. I have been a NAVY FEDERAL CREDIT UNION member for more than 5 years and It saddens me that I may need to close this account due to my human rights and as a consumer, infringed on. I have asked NAVY FEDERAL to provide me with my ORIGINAL negotiable instrument, yet I was sent copies. I have sent a NAVY FEDERAL number certified letter, with return green slips. All have come back ; still no response. The goal was to find, verify and validate my current agreement, making sure I am paying for something that is not a tax or interest incurred, or my contract being sold days after my purchase. My negotiable instrument has been destroyed confirming with a NAVY FEDERAL representative phone call in XX/XX/XXXX. I have waited longer than three months for a response. While I wait, I still am faced with damages considering fraudulent reporting to creditors, stopping any transaction that needs my credit report. NAVY FEDERAL continue willingly ignore me, FCRA Section 623 CUSHMAN v. TRANS UNION CORP. US COurt of Appeals for the Third Circuit Court case 115 F. 3rd 220, to not update inaccurate information on my act and to third party credit bureau 's, failed to respond to ALL of my letters, FCRA Section 611 Part ( A ) ( 1 ), and continue to misrepresent themselves and power. FDCPA Section 809 ( b ), FTC opinion letter XXXX  from XXXX. Under 15 USC 1692A, B, C, D, E, F, G, AND, J were broken. All in all, as a consumer my rights are still being infringed upon, my financial standing has taken a toll for now the worst due to this negligence.NAVY FEDERAL continues to claim they are the true lien holder, I have claims and evidence that I have no liens against my name. 
The solution I am demanding is back pay of lost finances, taxes, and interest incurred on my name from trades on my name, total closing of my account as well as my vehicle loan. on said account or totaling my loan out to XXXX $ as well as refund of all taxes, interest, incurred from trading on my name, IMMEDIATELY.

I thank you for your time. 
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 2019-09-23
Company: SYNCHRONY FINANCIAL
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:
XXXX  and XXXX  in XXXX XXXX does not show I recently made settlement payment {$290.00} on XX/XX/19. On my Syncb/ amazon account with XXXX. The XXXX   acct # XXXX making payment remarks of charged off/ bad debt were made. There is no payment status date last reported XXXX. 
Contact info on this is SYNCB/ AMAZON XXXX XXXX XXXX XXXX XXXX. / XXXX Im trying very hard to fix my credit please remove if at all possible. Please update to current

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 2019-09-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is intentionally holding " extra '' monthly mortgage principal payment and deceptively crediting this " extra '' monthly mortgage principal payment one month later even though Lakeview Loan Servicing ( a.k.a XXXX ) receives this customer payment as one-full payment for a specific month. Lakeview Loan Servicing , LLC ( a.k.a XXXX ) is profiting from this activity because it is intentionally charging additional interest to all of its customers. Lakeview Loan Servicing , LLC ( a.k.a. XXXX ) is violating federal mortgage servicing rules ( i.e. the Mortgage Servicing Rules under the Truth in Lending Act - 12 CFR Part 1026 - Regulation Z ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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: Information belongs to someone else

Complaint:
My pocket book was stolen a while back and whomever stole my wallet had access to all of my personal information. My social security card, debit cards etc. I recently checked my credit report because I begin to receive offer letters to resolve lines of credit I never obtained. Please remove these fraudulent accounts from my credit report. The Federal trade commission is aware of these acts. I have a report from 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: CA
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-21
Company: Sterling Infosystems Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My background check report was provided to XXXX by Sterling Infosystems , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. 

The report contains a 12 year old XXXX  charge ( XXXX  from XX/XX/XXXX  / XXXX XXXX XXXX, Utah ). I have never had any issues with this charge and have worked in the XXXX XXXX field for a combined sum of 5   years. I was under the impression this would fall off my record after 7 years. 

*Per the Fair Credit Reporting Act consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. 

On XX/XX/XXXX XXXX suspended my account. On XX/XX/XXXX they deleted my account. 
I did send an email to XXXX member care team ( XXXX ) today to notify them of the mistake. I no longer have access to the report, because my account no longer exists. Also I can not call the reporting agency at this time because I am in XXXX. 

Thank you in advance for your assistance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
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:
Transunion has incorrect inquiries listed on my credit report. Customer service would not help and take care of and remove the negative inquiries reporting to my credit report.

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