BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-01-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/2019 Synchrony Bank wrongly transferred {$10000.00} from my XXXX XXXX savings account to my Synchrony Bank savings account. Wrongly because I had already asked them to close this specific Synchrony savngs account at maturity XX/XX/2019 and send the {$10000.00} to me. But instead they transfered an additional {$10000.00} from my XXXX XXXX savings account. So now the total to Synchrony Bank is {$21000.00}. And today after a few months that account balance is now up to {$22000.00}. Please return that money 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
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-30
Company: M&T BANK CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX XXXX Sent on XXXX from XXXX to M & T for {$1800.00} for my mortgage payment and M & T says it was never received Sent bill pay for may payment for {$1800.00} from XXXX to M & T said they never received started 3rd party investigations with both banking institutions. 

XXXX is saying m & T accepted funds and M & T is saying they were rejected, meanwhile my mortgage is going on 3 months late!! 

H E L P!!!

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 2019-03-18
Company: ID Analytics, Inc.
State: IA
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:
XX/XX/2019 I got a letter in the mail saying my auto loan was denied by XXXX XXXX and it says here on the letter that the 3 credit reporting agencies are XXXX, XXXX and XXXX XXXX, I do not know who XXXX XXXX is I have NEVER heard of them! XXXX  and XXXX say my credit score is  XXXX a good score for an auto loan but XXXX XXXX has my XXXX XXXX at XXXX that's 112 points lower I do not know what they are reporting nor can I find out they will not let me have a copy of my report without sending them a hard copy of my SSC, drivers license, birth certificate and a bank statement to show my address I do not know these people but yet they are a Limited Liability Company, how did they get my information and how do they have the right to have my information and also request hard copies of delicate information that I have to MAIL to them! I will not mail them ANYTHING! they do not even give you the options to answer security questions online! When you try to call the number XXXX all you get is just an answering machine! This is flat out ridiculous! These people need to be stopped! They do not have the right to destroy someone's life like this! I have worked hard to build my credit to where it is and now these people just come along and destroy it! According to the automated system this company used to be call IDA Inc, I don't even know who they are either! HELP ME! Please contact my husband XXXX XXXX as he told me to file this complaint at 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 2021-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
The purpose of the letter attached is to dispute the Bank of America credit card suspension, the negative effect i has had on my credit report, and denial of a recent application. Please, see the letter an d credit report attached.

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 2023-06-30
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received an email that an application was opened with Wells Fargo. I have put freezes on all XXXX credit bureaus so I'm not sure how my information is still being used. This happened on XX/XX/2023. I called Wells Fargo they declined the application and stated it was ran through transunion. I called them and they have no report of an inquiry. I checked all XXXX credit bureaus as well, they are all showing freezes.

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 2022-12-19
Company: EQUIFAX, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that 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 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$7900.00} and XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$2300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted Nelnet severs times to get my issue resolved. I no longer have an account with Nelnet due to my account being transferred to XXXX. I participated in a second chance six month program where they recouped over {$7000.00} of my income tax, and I paid 6 ontime payments. This program was to allow me a new loan with a different company which is XXXX and completely transfer the loan. I have no dealings with Nelnet nor have I had any action on that account since before 2013 and it should not be showing late payments at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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:
HSBC BANK credit card services closed my credit card for no reason. 
They claim that have sent letter to me. I have not received any communication from them in this matter. 

This was my oldest account of all credit accounts I had over 3 years old. 
Again I've not violated any of the HSBC BANK terms etc. 

Never had a late payment pay all my bills on time. I've been with HSBC BANK bank since 2017. I have not received any letter from them. I have HSBC BANK app on my phone and have not received a similar communication. 
I demand that my cards are re -opened immediately. My card has been closed in violation of the Lending Act, EO Act and FCRA act.

1.HSBC BANK has violated my rights to Safety, by closing available credit line I had at my disposal for no reason.

2.HSBC BANK has violated my rights to be heard since have not taken any action. I've contacted them and they have not heard my concern.

3.HSBC BANK has violated my right to information, by not sending the communication in all available methods.

4.HSBC BANK has violated my right to choose by not letting me have a choice and single handedly taken action against me. 

Again I demand Opening my account immediately and recovering and reporting all my history to the bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Dear Madam or SIr, I did not ask US BANK credit card. I never had any account or business with US Bank I did not receive any credit card in my address XXXX XXXX XXXX XXXX MA XXXX I have been charged in my bank account at XXXX XXXX XXXX in $ {$36.00} for 3 months I asked my manager to block it I have been trying to talk with US BANK, but I am XXXX XXXX XXXX, and I am in XXXX due to pandemia I can not go now to the US I need to know who is using my identity and asking a credit card in my name and XXXX XXXX XXXX is charging me - ID XXXX My email is XXXX Att 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 monetary relief
Consumer complaint received 2023-07-03
Company: EQUIFAX, INC.
State: PA
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:
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2020 the company decided to close my account. 
I contact them and ask for the reason they told me they sent a letter, i have never recieved the letter, but i dont really care about the reason. 
I need to get back the points that they stole me with the clossing of the account. 
I attaching here the last statments i got from them it shows the amount of my points ( its XXXX $ ( 5 % bonus ) + XXXX $ ( other rewards ) ).

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 2021-06-12
Company: EQUIFAX, INC.
State: DC
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:
I have submitted disputes to Equifax regarding information that should be excluded from the consumer report per the FCRA. Additionally, the violation ( s ) that was committed by Equifax. By not honoring my request as a consumer it is not only causing a lack of trust, also breaking the law, and causing defamation of character by continuing to have these erroneous items on the consumer report that Equifax has no consent to have in the first place. The violations that have been committed by Equifax are as follows. Equifax violated 15 USC 1681b ( a ) ( 2 ) when the consumer submitted written request to have listed information removed ( letter attached ). Equifax also violated 15 ISC 1681a ( 2 ) ( b ) as the listed items should be excluded from the consumer report.

I have attached my written instructions per the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I receive my credit scores monthly from the Credit Bureaus. I was informed XXXX XXXX XXXX XXXX XXXX ' credit limit was lowered. I used the chat feature on Synchrony Bank 's website, XX/XX/23 and I was told my credit limit was lowered because of my credit scores. I asked for the phone number to XXXX. I then called XXXX and spoke to a representative. She again informed me that my limit was lowered because of an impact in my credit scores. I told her my scores were very close to perfect and that could not be the case. She put me on hold for XXXX minutes and came back to say, my limit was lowered due to inactivity. I asked why I wasn't given the courtesy of a letter and/or phone call. I have been with them over 13 years and have never been late. I've also used the card a lot in the past. I asked to speak with a manager and she said ok and then I was hung up on. I am thoroughly disgusted with the treatment I received from Synchrony Bank.

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 2023-05-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Ive reached out multiple times regarding a charge off on my account that is coming back verified as accurate when it is in depth inaccurately reporting on my credit report. How is it Ive reached out multiple times and yet their are still inaccuracies remaining on my report REMOVE THIS ACCOUNT IMMEDIATELY Ive sent over multiple letters asking to remove this account and also verify the debt and Ive yet to receive in Mail a letter showing proof where I was emailed any correspondence from self regarding late payments or my account going into default this account is showing as a charge off on my report Self financial is reporting a charge off on my consumer report I havent received any of the 1099c forms as requested Ive reached out to advised them to remove this account they updated it instead of removing this account as a whole it was reporting incorrect information like late payment incorrect date of activity incorrect balance and incorrect payment dates under I B WOULD LIKE THIS ACCOUNT REMOVED COMPLETELY also 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) a person shall not furnish any information relating to a consumer to any agency if the person knows or has reasonable cause to believe that the information is inaccurate i would like you to provide me by mail how you validated this information to be correct a the IRS defines a charge off as gross or ordinary income. income does not get reported on a consumer report I have sent over a hand written response by mail requesting that this account be DELETED FROM MY REPORT for reporting inaccurate information I demand this account be deleted 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 non-monetary relief
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I disputed by certified letter on XX/XX/2020 and XX/XX/2020 to Transunion on account from XXXX XXXX XXXX to validate this account belongs to me by copies of documentation associated with this account bearing my signature. I told them twice i did not consent to e-Oscar or any other means of automated verification. 
Transunion has violated federal law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 2023-05-04
Company: Click n' Close, Inc.
State: AR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My bankruptcy was XXXX on XX/XX/2023. Click N Close is still claiming that there is a pre petition arrearage of {$2900.00}. Because of the claimed shortage Click N Close has not release an escrow overage of over {$17000.00} and is not applying my payments to the mortgage. However the documents attached show that there is no shortage and the mortgage is not in arrears. Attached you will see a notice of final cure from the bankruptcy trustee and the response from Click N Close 's attorney agreeing that the account is current and all pre-petition arrearages have been paid. Also attached is payment history for the pre-petition arrearage along with the notice of discharge from the from the U.S. Bankruptcy court dated XX/XX/2023..

Company response to consumer: Closed with explanation