BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX # XXXX XXXX, TX XXXX XX/XX/2022, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/2022, XXXX XXXX  XX/XX/2022 , XXXX XXXX XX/XX/2022

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 2021-01-05
Company: EQUIFAX, INC.
State: NV
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 countless times to have the 3 major credit reporting bureaus to remove inaccurate information on my report. Ive submitted a affidavit with ftc and verified my identity but they still report the same thing which lowers my score and makes it impossible for me to approved for new credit. This covid 19 pandemic has made it difficult enough to obtain credit to pay bills and identity theft is at an all time high. XXXX, XXXX  and Equifax are not following the law and removing inaccurate information nor are they verifying information, please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my first 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. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} XXXX XXXX XXXX Balance XXXX {$5700.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$9300.00} 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 2021-01-05
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a email a few weeks back stating that my acct was approved. I assumed it was a scam so i ignored it well today i get a letter from bank of america staying that they closed the acct because they couldnt verify my identity. So i called thenm and they said yes a checking acct was opened on XX/XX/XXXX and that it was closed XX/XX/XXXX. They told me my ss # was used to open it and to call the ss office to get a lock on my acct well i did that and he said if he locks it even i cant use it and would have to go down to the ss office which i dont want to do and then they told me to contact you. Not sure what can be done but i dont need someone ooening stuff and using my ss #. I have excellent credit and dont want that affected by some lying thief

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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 - Acct Number ( 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 explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: GA
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 acct XXXX XXXX XXXX acct XXXX XXXX acct XXXX XXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX acct XXXXXXXX XXXX XXXX acct XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A, state i have the right to privacy. 
15 U.S.C. 1681 section 602 A, section 2, it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2022-01-12
Company: Chime Financial Inc
State: TX
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:
On XX/XX/2022, I was at home in XXXX, TX when I received an email from Chime that my bank account ATM withdrawal limit had been met for the day as someone was in XXXX, NY withdrawing funds. When I opened my Chime app for further investigation I saw that someone withdrew {$2900.00} from my account. Confused because I had the card on me I immediately called chime to dispute the transactions. They told me I had to wait for the transaction to post before I could dispute them and proceeded to assist with cancelling my card and issuing me a new one. Two days later on XX/XX/XXXX they said they found no error and closed my dispute. I uploaded a receipt from a purchase on XX/XX/XXXX in XXXX texas at XXXX as evidence that I could not have withdrawn money from an ATM in XXXX NY when I was clearly in XXXX XXXX TX and again they denied my dispute. I have called countless times to reach a competent person to assist in refunding my funds but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have three credit cards ( XXXX 's, XXXX, XXXX XXXXt ) which are all issued through SYNCHRONY BANK. When I receive a bill from these companies, the payment is made to SYNCHRONY BANK. I have had these accounts for several years, and have always paid on time ( we HAD excellent credit ). I have been receiving paper bills in the mail, I do not pay electronically. In XX/XX/2023, I received all three bills in the mail, and paid the balance, or the amounts due. I did not receive a bill in XXXX, XXXX, or XXXX on any of these three accounts. 
In late XXXX I received emails stating that all three accounts had been closed for non-payment, with months of interest and penalties added. I called to resolve the issue with each SYNCHRONY account, and was told that I must have asked for electronic billing. I did not ever request electronic billing, and there was no billing sent to me ( I checked spam and trash ). I asked for paper copies of each bill, for each month, from each card. When I received the copies, I noticed my XXXX, XXXX and XXXX statements had been sent to an address in OKLAHOMA! ( I never lived in OKLAHOMA and live on the west coast! ) I filed a complaint on each account and they denied it. SYCHRONY BANK will not admit that THEY screwed up. I am trying to repair my XXXX XXXX - and cancelled all accounts with SYNCHRONY BANK! They will LIE to your FACE!

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 2021-01-14
Company: ENCORE CAPITAL GROUP INC.
State: MO
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 complained over three times, midland ( MCM claims they closed out since they never got info on more detail back. MCM claim they sent out letter recently XX/XX/2020, never came. reported another issued but they are all lies. In mean time they fraudulent report about a {$440.00} debt from XXXX. they MCM was asked to show us proof of debt. the web site information show zero evidence of debt. its too easy to pretend letter was sent and not send letter. I told them to certify letter, to fax to email and they refuse to comply to my simple demand. Bottom line is I paid my debt. XXXX billed me for magazines I never ordered. XXXX was notified yet they billed and punished added interest all up to {$440.00} of extortion, which I thought was illegal. I thought it was being criminally bullied. Please help me survive this insane attack. 

Unrelated case this same con artist company tried the same thing with a debit of {$310.00} from XXXX XXXX. after years of false reporting they stopped reporting. they continued to still collect on debts in XXXX XXXX what debt? I want this issue dealt with. I want a separate apology for this unscrupulous business practice. Also a penalty fee of the same {$310.00} MCM was trying to steal from my family # CROOKS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: CITIBANK, N.A.
State: IA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Payments recieved by Citibank on XX/XX/2018 and proof was provided to Citibank per their request the card was paid {$150.00} on the above date They have failed to resolve this as promised removed temporarily payment For this and are charging late fees and interest like a domino effect We have closed the account and Filed a dispute with the bank that provided the payment to Citibank. This is Pending

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 2021-01-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The taxes on my property were not paid by the mortgage company for several quarters beginning in XX/XX/ 2020, as a result, my account became delinquent and penalties were added. I contact the mortgage company Lakeview Loan Servicing, and spoke to Ms. XXXX and was directed to email her at XXXX. Afterwards I was directed to contact XXXX and start a complaint process. Over the course of the next 8 months I contacted thirdparty on numerous occasions and never heard back. In XX/XX/2020 I refinanced the property, at which time I explained the issue to my closing attorney. He sent out a certified letter requesting a response from the company, at which time they did not respond to his request. I pay my mortgage on time every time, and have never been past due. I don't understand why my taxes weren't paid and allowed them to be delinquent. In addition, their lack of professionalism has left me with no other choice but to file a formal complaint.

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 2019-01-31
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/2019 I made two payments from my checking account to my personal line of credit that is issued by the same financial institution. Two payments : 1 being the regular current due payment of {$200.00}, and the other an additional principle payment of {$100.00}. Both made on the same day one after the other. Both payments had been withdrawn from my checking but only the additional principle payment had posted to the personal loan. I have since called Citizens bank 3 more times to rectify the situation. First was on XX/XX/XXXX, for which I was on the line with the bank for 45 minutes at that time received a confirmation number that the problem would be fixed. 
I consistently checked my account on line and still had not been fixed so I called back on XX/XX/2019 and was assured it would be fixed and I would receive a phone call by Citizens bank the following Tuesday or Wednesday confirming the funds of my regular payment of {$200.00} would hit the personal loan. Still no payment as of Thursday XX/XX/XXXX and now I have received a past due notice in the mail stating I still owe {$42.00} and being charged a late fee. I am on hold with Citizen bank now waiting for a supervisor and have been on hold for 20min. They keep claiming that this is waiting for review from " BACK OFFICE ''. I am not sure why I have to wait for them to post a payment that is clearly seen as being withdrawn from my checking account long before actual payment was due. Both accounts are with the same bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, INC.
State: NC
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:
For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identify theft from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
This was a loan that I co-signed for my daughter and she got XXXX and was let go of the obligation but I was not. The Interest rate is so enormious that I can't keep up with the payments and the balance just doesn't go down. I have tried to get an reduction in the interest rate, but they say I am disquailified. I have been paying regular payments on this lian since XXXX and the balance at that time was {$23000.00}. It is now XX/XX/XXXX and the balance is {$22000.00}. I am XXXX XXXX XXXX and can't XXXX because I have to keep payin on this loan so my credit isn't impacted. I need help with this. I feel I should have been released from this obligation because of my daughters health.The original loan was XXXX. They are amking tons of money from this and I don't feel there is an end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2019-11-28
Company: BMW Financial Services NA, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX. Dob:XX/XX/XXXX, Last four of SSN : XXXX. I am writing to report that a lawsuit has been filed for BMW 's violations of California Credit Reporting Act. They have not responded back or even notify that they are aware of the process. 

If BMW want 's this lawsuit dismissed, the late payment needs to be removed from my credit report on the account # XXXX. 

Attached is the suit copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX and Experian Credit Bureau are violating my rights on account # XXXX. 

This is my second attempt for XXXX and Experian to correct my credit report regarding a late payment. As part of this complaint, I have attached a sworn affidavit, and I expect XXXX and the Credit bureaus to do the same as part of their investigation. 
In XX/XX/XXXX, I became aware of a need to make a payment on the above account. After attempting to make payments, the payments were not made. In XX/XX/XXXX, I made a credit to the above account of {$420.00}. After making this payment I called XXXX XXXX XXXX, and they told me that the payment of {$420.00} would not be accepted for payment towards my account. They also said that if I could make a payment of at least {$200.00}, they would make sure that I would not get a late payment. They told me to make the payment before a certain date, of which I did on XX/XX/XXXX. After this, several late fees, interest charges, and other fees were added to my account and now I have a late payment on my credit report with the credit bureaus. 
XXXX claims that all conversations are recorded when calling, so if a serious investigation was done by XXXX and the credit bureaus, they would know what I was told to do to avoid a late payment and I did it. But XXXX and the credit bureaus are still claiming that I have a late payment. 
In accordance with FCRA, 15 USC 1681s-2 ( b ), XXXX and the credit bureaus should not be " reporting information with actual knowledge of errors. '' Also, " any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate '' the reporting agency shall not furnish that information. 
After I was told by XXXX XXXX XXXX, as a consumer, that if I did such and such I would not be charged with a late payment, only for XXXX to do exactly that is misleading me as a consumer and their own investigations into my claim is misleading because they never mention the phone call in which they said I would not have a late payment. This alone has me believing that XXXX and the credit bureaus are not respecting me as a Consumer and violating my consumer rights with impunity. 
I would expect the Experian credit bureau to remove this late payment or be fined {$1000.00} a day for reporting such. 
The Experian credit bureau must do a real investigation into Consumer 's case and remove the late payment.

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 2021-01-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I disputed an accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX/XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.I hereby demand that you immediately delete the negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.

Company response to consumer: Closed with explanation