BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have a XXXX  account with a credit builder pre paid credit card. They approved a charge for {$370.00} when funds werent available. I deposited by direct deposit {$100.00} per pay check and paid off the amount of {$370.00} by XX/XX/2023 and even responded to their emails stating if i didnt make a payment they would report me as late. they responded thak you for the update we will update your account. They reported my 60 days late with full balance still owed and my score dropped by XXXX points. i was denied housing because of this. i re disputed this with credit bureau and its on my report as disputed. Today XX/XX/XXXX all 3 bureaus reported me as 120 days passed due with a balance of {$170.00}. as of today a have a available balance of XXXX. I withdrew all my funds and demanded this account be closed for over a month. I submitted all the proof to you see past complaint against XXXX as well as uploaded it to the credit bureaus. So before I end up homeless due to this not even error at this point. its a deliberate action on the part of all parties at this point, id like XXXX, equifax and XXXX to remove synapse info off of my reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-18
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
The new card was opened. A gift paid by visa from my sister for a birthday on XX/XX/XXXX. {$300.00} value. 

Gift card is missing middle numbers upon opening and missing security code in the back. 

This is new card that was just unwrapped. Vanilla gift card. Tried calling and they will not respond without a card number and there is no card number. So. No way to contact or resolve by intentional actions of the company it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Experian Information Solutions Inc.
State: OR
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-02
Company: SYNCHRONY FINANCIAL
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 received an Alert Notice from XXXX that Synchrony Bank closed my CareCredit  card. 

Today, XX/XX/XXXX2023, I was finally able to get through to CareCredit Customer Service. When I inquired why my account was closed, the CS Rep said, " the bank closed the card ''. Over and over and over again, I ask the CS Rep WHY my CareCredit card was closed explaining that I have had the card since XXXX, that my credit scores are in mid-800s, and that I had never missed or been late on any payments. She kept repeating that the bank closed the card. 

I then requested to speak to a Manager. XXXX XXXX then took the call and upon asking him why the card was closed, he repeated same line as the CS Rep . I then made it very clear to XXXX that I wanted an explanation for why the card was closed. XXXX then said, on a call that I recorded ( per NYS law ) that the account was closed because the card expired, which I found rather humorous since the CareCredit Card does not! expire nor is there an expiration date on the card. I then told XXXX that I wanted an explanation for why the card was closed. He further repeated what he said falsely claiming the card expired in XXXX and that that is why the card was closed. 

I then told XXXX if he did not provide an actual reason for why the card was closed, I would file a complaint with the CFPB. He repeated his claim that the card expired in XXXX and that that is why the card was closed, thus this 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 2021-06-19
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:
I have sent multiple letters from XX/XX/2021 to XX/XX/2021 disputing 2 collections that are reporting to my Credit Report and I have NOT received any correspondence back from either company. These 2 collections could be fraudulent and I do not know what they are. XXXX, XXXX, and Transunion have not investigated any of my request! See attached copy from my credit report showing these collection accounts!

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 2023-11-08
Company: Zenith Financial Network Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The company is calling 8-10 times a day and last night called me at XXXX Central time ( my timezone ). The number is a Virginia number meaning it was XXXX their time. This keeps happening and it is becoming harassment.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Hello, My credit limit with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was around $ XXXX. For the past few months I'm barely making my minimum payments. I made a loan to pay my credit cards. I made a payment last XX/XX/XXXX of {$1500.00} then another one on XX/XX/XXXX of {$220.00} to pay all my balance and will start using it again frugally and earn cash rewards. I called ( Synchrony - issuer of credit card ) and asked them why my payments are not yet posted on my credit card and I was told that it's in the process but told them that it's been more than 5 days and the two payments I made are not yet in my credit card. I paid off my balance in good faith knowing that I can start using the credit card with caution. Then I received a letter in my email from Synchrony stating that they are lowering my credit limit to just {$250.00}. Why they only do that when I paid my full balance? they can just send me that letter before and I will do my best to pay the balance overtime but not at the expense of my paying the full balance. I think this is a deceiving tactics by the credit card company and it's not fair to the consumers per se. 

Thank you. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX Credit Card # XXXX XXXX XXXX XXXX XXXX # ( XXXX XXXX XXXXXXXX  ) : XXXX email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 an 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 2021-06-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Fraudulent accounts * Navy federal cr union {$6700.00} XXXX XXXX * Navy federal cr union {$14000.00} XXXX 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 2016-05-03
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a water damage to our house in XXXX 2015. It has been a nightmare ever since to deal with Nationstar Mortgage. This is our 3rd complaint for the same claim. Nationstar told us after we complete final inspection, they will release the final check within 3 business days.We completed XXXX inspection, all repairs are done. We have report from inspector. I called them today and XXXX ( employee # XXXX ) told that they want a clean air test. They did not even look through the paper work. The air clearance test was done after mold remediation back in XXXX. Here it comes again, hours on the phone with Nation Star Mortgage, going in circles. Nation Star has a horrible practice of misplacing and mishandling documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: MO
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 

To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Equifax, XXXX, & XXXX consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.

A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
XXXX. The purpose is certified in accordance with section XXXX681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ). 


15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 


I have not initiated any transaction with Equifax Mortgage Services, Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C. 1681n ( a ).

15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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:
collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, etc ) XXXX  XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus state my account was properly investigated but how is that possible if the account type - detail is inaccurate, the date opened inaccurate, the high credit inaccurate, the credit limit is inaccurate, the payment status is inaccurate, the last reported is inaccurate, the comments inaccurate, the date last active is inaccurate, the date of last payment is inaccurate, and the 2-year ledger is inaccurate. 

The credit bureaus have violated my rights as a consumer under the following : 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 an account without my written instructions. 

This has been disputed numerous of times and it has been way over 30 days and still on my consumer report. 

Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22 Disputed XX/XX/22

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 2018-08-18
Company: Experian Information Solutions 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:
I have disputed information on my consumer reports with all three CRAs and each has ignored my complaint about incorrect accounts and identity theft where a collection company has used a fraudulent social security number to link an account to me. I have tried repeatedly getting this corrected with the credit bureaus to no avail. I am here to ensure my complaint is accurately processed as it should have been the first time. Having exhausted all my resources and no longer able to dispute these accounts with the CRAs Ive since obtained help from the FTC to file and Identify Theft 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 2022-11-01
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-02-09
Company: SYNCHRONY FINANCIAL
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX what I had thought was " payment in full '', for hearing aids, was sent to the lender, XXXX XXXX XXXX. The amount for the " payment in full '' was received from the lender via a telphone conversation. The lender had no problem depositing the payment. The next correspondance from XXXX received XX/XX/XXXX in the form of a delinquent account notice of {$750.00}. At no time between the time the " payment in full '' was made in XX/XX/XXXX and receipt of the delinquent account notice did I receive any correspondance from XXXX. I called the company 's customer service department on XX/XX/XXXX to dispute this notice. I was informed that the loan had not been paid in full, that an outstanding amount of {$16.00} was still owed. It is unclear if XXXX cited the incorrect amount due of if the mistake was on my end. That {$16.00} difference continued to build finance charges and ultimately late charges totalling {$750.00} as of XX/XX/XXXX ( date of delinquency notice ). Not once throughout XXXX did I receive any notice of continued finance charges. Since my telephone conversation, of XX/XX/XXXX, with the lender, I have received a copy of my original contract and a voice message to contact XXXX if I had further questions. I returned the call, but never received a response from the lender to help solve this issue. I am more than willing to pay the {$16.00} owed. However, the additional charges, in my opinion, are unfair and uncalled for - not to mention immoral - especially in the light of lack of communication throughout XXXX on the part of XXXX XXXX XXXX. Consumers seem to be at the mercy of such unfair business practices.

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 2022-11-01
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 2023-08-04
Company: EQUIFAX, 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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief