BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY GE CAPITAL . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. 

ACCOUNT NUMBER ENDING IN 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 2020-11-11
Company: MRS BPO, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A company by the name of MRS BPO showed up on my credit report to collect on a debt that was provided to them from XXXX XXXX XXXX XXXX - this debt is not mine and I have had multiple conversations with XXXX  on this matter. 

When relaying this information to MRS BPO they stated they didn't care what I had provided to XXXX  of proof of address and/or that this was not my account and that this was my debt no matter what - they would ensure this would stay on my credit and ruin my chance to do business with other utility service providers until I paid this debt. 

I want this removed - I want this company flagged - I want this debt to be cleared from my social security number at once.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} OFFICE OF THE ATTY GEN XXXX Balance Owed : {$640.00} XXXX XXXX XXXX Balance Owed : {$6.00} XXXX XXXX XXXX Balance Owed : {$28000.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$27000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
The Credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported isnt accurate either? This is ground for removal they also violated my rights under : XXXX5 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : states a consumer reporting agency can not furnish an account without my written consent. 

XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX DXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX Also XXXX credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking numbers : 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2023, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I hae bene disputing these items multiple times and yet the Credit Bureaus have been adamant in ignoring my requests. They have not also sent me copies of documents they found supprting their claims that the disputed items belong to me. Without these documents, the disputed items should have been removed 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 non-monetary relief
Consumer complaint received 2022-11-19
Company: BlockFi Inc
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Attempted to withdraw funds on XX/XX/XXXX, told that the funds would be available XX/XX/XXXX. Funds have not arrived and request continues to say pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-11
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Good day : I am behind on my car payments with Honda Financial Services. I made attempts to resolve this issue by coming up with a repayment plan. 

1 ) Honda did a hard inquiery on my credit report without my knowledge or consent. 

2 ) I have been receiving phone calls from a woman named " Investigator XXXX '' ( XXXX ) XXXX. The person has been calling non stop, on my cell as well as at work and also texting me. I am not allowed to receive personal calls at work as I work for a private college. " Investigator XXXX '' has been very " threatening '' me. I spoke to an attorney, XXXX XXXX, who tried to located her in order to send her a " Cease and Desist '' letter but was unable to locate her address. 

3 ) A woman named XXXX from Honda called MY secretary at work, on her personal cell phone asking her to have me call her. First, I have no idea how she got a hold of my secretary personal cell number, but second it is absolutely unnaceptable. ( XXXX XXXX ). 

4 ) The repo company, to which I have no idea who they are, and my attorney tried to locate them, again, to no avail, has been calling me non stop at work as well. 

I have never been so harrassed by a debt collector in my life. I am terrified by the calls - and I asked many times to NOT call me at work. 

I want to resolve this issue but no in fear. 

The fact that they called my secretary on her personal cell number is not ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This account LOCKHART , MORRIS & MONT was previously deleted from my account and reinserted back. This is a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX  I submitted a fraud claim due to my account being compromised when my phone was stolen. I gave them the exact dates it was stolen which coincides with when my bank account was compromised. I never received any phone calls or emails in regards to the transaction that happened only a letter stating that a check bounced with my a plagiarized signature on the copy of the check. I was not in possession of my card and the only card I had from was expired and they never sent a new one. When I submitted the claim I had to create a new user id and password for my bank account and request a new card. This bank has a zero liability policy so although I was really worried about my information being stolen I trusted Navy federal to handle this matter. They immediately denied my claim so I went on to submit an appeal XXXX  I waited months to hear back from them and nothing and my account was closed without any warning. There was also a credit card application put in at the time my account was compromised thankfully it was denied. I asked them what information could I provide that would help but they didnt have anything that I could send in that would help. Since then another one of my bank accounts got compromised however that bank was able to retrieve my funds, protect my account and locate the person that hacked my account. Navy federal has done nothing to help and the balance is extremely high over {$4000.00}. I have had a car loan with navy federal and family who also banks with them and ive been with them for years and they have not been of any help in this matter. I recently contacted them on XXXX  and they were not able to give me and update and told me that the balance is on me now they have a zero liability policy which this goes against. I in no way have any connection to when my phone got stolen and my account got compromised and it is upsetting that I am now being held accountable for this crime

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions Inc.
State: NY
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 did not authorize nor consent to the following inquires being furnished on my consumer reports. 
XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/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 2018-10-11
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: Account status incorrect

Complaint:
I have disputed the late payments on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant  treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2022-09-17
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Account XXXX XXXXXXXX XXXX Acct # XXXX Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX Acct # XXXX Violated my rights under 15 U.S.C.1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX  Acct # XXXX Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, Account XXXX XXXX XXXX Acct # XXXX - Violated my rights under 15 U.S.C. 1681 section 602 A states I have a right to privacy, and under 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. 

In accordance with the Fair Credit Reporting Act, under 15 U.S.C. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with the consumer in connection with the collection of any debt.

In accordance with the Fait Credit Reporting Act, all these accounts are in direct violation of my constitutional federal rights under 15 U.S.C. 1681

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 2018-07-06
Company: EQUIFAX, 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:
IN REGARDS TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND EQUIFAX HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: JPMORGAN CHASE & CO.
State: IL
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: Problem with personal statement of dispute

Complaint:
I've been trying to get my life back on track after being laid off from work due to my company closing after covid. This lay off hit me hard because I was also dealing with health issue, was in and out of the hospital, and was not able to get right back to work. I would like to get myself back on track so that I can move forward in life with my health and my credit score. And I know that these negative reporting are not helping and are a defamation of my character. 

In accordance with the Fair Credit and Reporting Act my creditors are violating my rights under 15 USC 1681A ( section 604 A Section 2 ) which states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any accounts that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is my follow-up complaint to ensure the removal of the aforementioned 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 non-monetary relief
Consumer complaint received 2020-11-11
Company: U.S. BANCORP
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
XX/XX/XXXX XXXX XXXX XXXX amt XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX unauthorized transaction never got .my credit it was XXXX dollars of my money

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 2020-08-23
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2018-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I noticed that two credit cards were opened under my name in XX/XX/2018. I'm working with a financial counselor now to correct these mistakes as they negatively impacted my credit and I am now receiving statements regarding these debts. We filled out a report on Identitytheft.gov and contacted the credit bureau and creates a security freeze on my accounts. An account with XXXX is under my name now with a balance of XXXX and an account with XXXX with a balance of 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