BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/XXXX, I clicked on a link on the Amazon website to apply for a Synchrony Bank store card. The page that opened said that I could click on a button to see if I qualify for pre-approval for the card, and it will not impact my credit score. I clicked on the button and entered the information requested. Then I got a message that I was not pre-approved, and it again said that it would not impact my credit score. 

On XX/XX/XXXX, I received an email from Synchrony Bank that included a letter. The letter was a full credit review that denied my application for the card, and listed my credit score as XXXX. That is significantly lower than the credit score that I received when I applied for a credit card with XXXX XXXX XXXX XXXX  only a month earlier. XXXX denied my credit card application, in a letter dated XX/XX/XXXX, but listed my credit score as XXXX. They used XXXX in their evaluation. 

I did not apply for a card with Synchrony, only clicked on a button for pre-approval, and I was assured, both before and after clicking on the button, that it would not impact my credit score at all. That was dishonest. Synchrony Bank used a credit company called XXXX XXXX XXXX. 

I called Synchrony Bank on XX/XX/XXXX, the same day that I received the emailed letter from them. I said that the process was unacceptable, and I had not agreed to a full credit review and they had lowered my score unreasonably. The staff person was totally unhelpful, saying that I had agreed to it while at the same time agreeing with me that I had not. Then I said that I wanted the decision reversed, and I got a different response from her. She checked with someone and said that they would do an investigation and look at the website. If my concern is valid, they will remove the credit score and reverse the decision. She said they would send me a letter within 30 days. 

I have not received a letter from them yet. It has not yet been 30 days, but I want to alert CFPB and consumers because this process is a sham and should be stopped. It is stressful and unpleasant, and other people should not have to go through it. CFPB should stop Synchrony Bank and Amazon from false and misleading advertising and doing full credit reviews, what they call a " hard inquiry '' without peoples ' permission.

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 2023-04-03
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 belongs to someone else

Complaint:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account # 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. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX  XXXX XXXX XXXX XXXX investments. 

XXXX account XXXX XXXX-Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-account XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX-account number-XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-account number- XXXX XXXX XXXX XXXX XXXX-account number-XXXX XXXX-account number-XXXX  Inquiries XXXX XXXX XXXX XXXXXXXX XX/XX/21 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 2023-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2021-07-15
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was in the process of having XXXX  and needing to get XXXX just came from the ER and my leasing office put a boot on my car on XXXX XXXX  XXXX XXXX XXXX It Right XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX  XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX  {$160.00} while I had submitted a dispute to US Bank regarding this issue they denied it on XX/XX/XXXX in the process of the dispute someone did not pay attention when the money of XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX {$340.00} was placed back into my account causing my account to go into the negatives ( - {$230.00} ). In the process of doing this my debit card was locked which means no one can use my card well some transactions were still go thru. I called US bank to find out why transactions were going through. After I spoke with someone at US bank my account stopped getting charged by the same people low behold now my account is XXXX. Just because of overdraft charges. I tried talking to someone XX/XX/XXXX at US bank because IRS is sending CHILD tax credit to this account and now XXXX is going to them. The person I spoke flat out refused to put my account before the overdraft charges.

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 2023-11-09
Company: GAMACHE & MYERS, PC
State: MO
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:
Good Morning, Request for Deletion of XXXX I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company Velocity investments XXXX and XXXX & XXXX XXXX XXXX. 

As outlined in the agreement, the purpose of the XXXX XXXX XXXX was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I contacted Transunion to correct deficiencies on 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 non-monetary relief
Consumer complaint received 2018-11-06
Company: ERC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found a XXXX XXXX on my mortgage credit report. I moved, had mail forwarding and asked for and paid final bills on all of my accounts at that house including XXXX. My phone number and email address have not changed. I am not hard to find and pay every bill I am aware of. On XX/XX/XXXX I called XXXX XXXX   and told them I had no knowledge of this bill but would gladly pay it if it was deleted per FDCPA. I told them I wasn't notified properly. Had I know I owed it I would have paid it long before it became a problem. They said they did not delete accounts. That conversation went in circles and they told me to Call XXXX. I had the same conversation with XXXX and they said I could pay them and they would pull the collection from XXXX XXXX. I said great and paid them. I called the credit bureaus on XX/XX/18 and that account was still on my report. I called both XXXX and XXXX XXXX and they played dumb. When I spoke to XXXX on XX/XX/18 they said they would have their advanced collection team call me in 24 to 48 hours. It has been 9 days and counting. I can not qualify for a USDA Rural Housing Loa because I have a negative account in the last 12 months. This is not funny. I am easy to find and have 2/3rds the same contact info as when I had XXXX. This should never have been an issue and I am being punished because they chose not to make the slightest effort even though I consider my bill paying efforts to be diligent. I really don't see how I owe XXXX {$130.00} in the first place, but that is a different conversation. I want my credit restored by deleting the XXXX XXXX Account from all three credit bureaus. If I didn't turn in my equipment I would have an at least {$800.00} collection so then why would I continue XXXX XXXX after I returned my equipment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I contacted Experian during the month of XX/XX/XXXX regarding information showing XXXX late payments ( XXXX ), and XXXX missed payments with XXXX. The XXXX contacted me on XX/XX/XXXX and communicated that the information being reported by Experian is not correct. Today, when I viewed my credit reports is states that, under " Payment History '' that there are XXXX late payments. However, when I click on the late payment icon it states that " Experian has not negative accounts on file or you as XXXX ''. However, this is inconsistent with the statement of " XXXX late payments '' on the dash board. Also when I click on what 's affecting my score it states the following : 1 ) XXXX no payments and XXXX late payment. This incorrect and inconsistent information is negatively impacting by ability to secure credit at a fair rate. This week, XX/XX/XXXX and XX/XX/XXXX, I contacted Experian 5 times and each time I was transferred to another dept, and at this time the issue is still unresolved. How can an organization be allowed to report inaccurate information that will have a negative impact on people lives.

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 2019-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This afternoon ( XX/XX/2019 ) I spoke with a representative and her supervisor regarding my request for a credit limit increase. During the discussion I was informed that there isn't an appeals process - but Capital One was unable to do a soft pull of my credit which I found difficult to believe given that on the letter with their explanation, Capital One was unable to obtain specific information about me. However, they were able to obtain a credit rating of XXXX with information associated with my credit score enclosed in the letter. Something about their process or appeals lack there of doesn't appear to be right. I informed the representative and her supervisor that I just bought second home and if my credit was subpar, I would not have been able to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ACCOUNT NAME CONSUMER ADJUSTMENT CO Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without 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 2017-03-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was in the process of putting my student loans in In-School Forbearance. During that period my student loans went into 90 days late payment. I did not realize this! I would have paid during that time, but received no notification at the address I lived. I did not know. I have disputed this twice with my student loan provider and with the credit bureaus, but they have not taken it off of my credit report. It has negatively impacted my credit, but they have made no adjustment or had no mercy though I have no previous record of late payment, or any following this incident. Thank you for your help!

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 2022-12-27
Company: EQUIFAX, INC.
State: WI
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, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information such as date opened and date last activity without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXX Balance : {$290.00} XX/XX/22 [ XXXX ] XX/XX/22 [ 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 2023-07-13
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 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 2017-04-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have been requesting verification of the following account that Experian continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE

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 2017-04-01
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

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