BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: KY
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX CARD : Account # XXXX, has violated my rights XXXX XXXX : Account # : XXXX, has violated my rights XXXX BANK : Account # : XXXX, has violated my rights XXXX XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I made a purchase with the " XXXX XXXX XXXX '' with a Synchrony Bank private label credit card AKA as " SYNCB '' in XXXX of XXXX with a promotional offer to pay the {$3900.00} purchase in 18 months. This was initially due in XXXX of XXXX. 

Sometime in XXXX of XXXX, an extension was requested and granted to defer the promotional date until XXXX to pay this amount off via a refinance that I was working on at the time. In XXXX the mortgage company sent a check to SYNCB for the total payoff amount of {$2200.00}, which was the balance quoted by SYNCB at the time. 

In XXXX of XXXX, since the check had not been cashed, I kept calling to determine why. Since the check was not cashed and several weeks had elapsed, the mortgage company reissued the check with the same amount and put a stop payment on the original check. 

It turns out that SYNCB had the original check initially submitted all this time. This was returned by the bank due to the stop payment but, finally, sometime in XXXX of XXXX, the replacement check was cashed and the amount posted to the account. 

The {$2200.00} should have paid off the account but, SYNCB claims that, because it was not paid by the expiration of the " promotional period '', a very steep penalty is assessed : the balance of the account went from {$2200.00} to over {$4000.00} as a {$1800.00} interest was added to the balance due to the expiration of the promotion. The rate, according to SYNCB, is 29.95 % APR. 

However, that is not all. Much to my surprise, interest is applied every month, I suspect at the same rate, to the balance. I have made XXXX payments of {$99.00} each against the {$1800.00} interest and I still owe {$1200.00} from the initial {$1800.00} in interest. In other words, from each {$99.00} payment close to {$40.00} go to interest on the interest. 

In other words, SYNCB is charging, not only an outrageous interest rate on these " promotions '' but they also charge interest on that interest. If this practice is not illegal, it certainly should be. Consumers are in essence being ripped off with a practice that allows banks to charge outrageous interest rates in a way that is compounded. This is most likely under the radar as I just learned of this today and confirmed by agent " XXXX, agent XXXX '' at SYNCB.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Billing dispute for services

Complaint:
XXXX XXXX Bank flagged my account past due on XX/XX/2023 as 30 days late violation of 15 USCode section 602 15 US 1681 b furnishing a consumer report without the consent of the consumer section 604 I am demanding a deletion of this late payment from my credit report 15 USC 1681a ( e ) makes it clear that if a consumer reporting agency investigates something it is known as investigative consumber 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 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

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 2023-06-05
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 non-monetary relief
Consumer complaint received 2022-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of a romance scam scheme, where I was told what to do and where to send the funds under false pretenses, and ultimately my funds were held at an application the fraudster created and I was not able to retrieve them, as my account was deleted, and XXXX  would not reverse the transactions and wont refund my money. I met this horrible person in a social media all and I was nurtured into believing I could make money with Crypto following his/her/it guidance while making believe there was a legitimate romantic interest as well. After realizing i was a victim of a scam, I submitted claims with my bank and my claims with Bank of America have been rejected multiple times due to the lack of supporting documentation submitted by the claimant ( myself ). I conducted transactions in question totaling {$5600.00} processed between XX/XX/22 and XX/XX/22, I was a victim of authorized push payment fraud ( I have explained this several times over the phone with a claim agent ). Bank of America and its affiliates have purposely ignored my claims and rejected them based on the fact that I conducted the transactions myself as opposed to conducting a thorough investigation and do their due diligence in order to get the facts of how I was a victim of a scam ( I have not even received a phone call for an interview ). Now, I have spent countless hours of my time, around {$400.00} of my own personal money in order to buy a printer, around 5 cartridges, 2 blocks of paper and shipping costs in order to gather and send over 500 pages of evidence to them ( it was returned and i went to the branch and they refused to fax them over to fraud department ). I have never conducted transactions involving crypto or any similar crypto exchange platform.. I filed with XXXX as well. I have been a BOA customer for almost 10 years now and I have never been treated with such dismissiveness by this well-known financial institution. I have suffered financial loss and due to the stress of this situation Im suffering from XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as Im tired of losing battles with whats supposed to be a bank that cares for its customers. Due to the large number of pages included in the conversations me and the fraudster had, Bank of America returned the package with over 500 pages of evidence and then refused to fax them to the fraud department once I went into a BOA branch located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX claiming it would take countless hours which they didnt have the staff for. And therefore, I havent been able to relay that important piece of evidence to them.

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 2023-01-02
Company: EQUIFAX, INC.
State: IN
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My husband 's card on our account was hacked and used to charge two fraudulent charges : one for {$2400.00} and one for {$2000.00}. My internet account access also had the password changed. These two charges caused my card account to go almost {$2300.00} over my credit limit, but CitiCard approved the charges anyway. When I accessed my account online, which is when I found out my password had been changed, and the increase in my balance, a very strange thing happened. The fraud charges did not immediately show up although the increased balance was listed. I was confused as to what was happening, so I closed out of my account and reaccessed it. It was then that the fraudulent charges actually individually appeared on my account. I filed a fraud claim with them, but had A LOT of trouble doing so, as I talked to four different people before I could get a straight answer as to what was going on. One of them told me they could not access my account because it had been turned over to collection. I was later able to verify that this was not true. In addition, they refuse to remove these charges or even flag them in any way as fraud until the claim is settled, which they have told me could take 2 to 3 months or more. The charges occurred on XXXX, still appear on my account, and I have heard NOTHING from the Citibank Security/Fraud department as to the status of the complaint. These charges are also accumulating interest fees. In the interim, I froze my account ( of course ). Also in the interim, the fact that these charges continue to appear on my credit report is causing derogatory ratings on my credit reports. CitiBank has not been helpful in ANY way but instead extremely antagonistic, and once these charges are reversed and settled, I intend to pay off my actual balance and close the account. I do not do business with companies who feel it is acceptable to treat their customers this way, which I find extremely unprofessional.

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 2023-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 non-monetary relief
Consumer complaint received 2022-11-04
Company: GOLDMAN SACHS BANK USA
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am here submitting a complaint against 'Marcus by Goldman Sachs XXXX in potential fraud that it attempted to perpetrate against me ( and my XXXX brothers who received the same mailing ) with regards to benefits purported to be available and owed to us as a result of my father 's death. I am a grieving widow and daughter -- having lost both my father and my husband in the same XXXX XXXX XXXX in XX/XX/2022. A few days ago my self and my two brothers each received a XXXX priority mailing from Goldman Sachs Bank. Although the material purported to be sent to me as a " named beneficiary for a deposit account '', the name of the deceased was not included in the paperwork nor was there any specific information included about said account. The lengthy document did however include requests for a substantial amount of personal information, with the mailing also including a pre-paid envelop -- all very official appearing. Several calls placed to Goldman Sachs in order to verify the mailing were met with obfuscation ( in one instance ) and finally ( in a second call ) a concession that my father 's Goldman Sachs account had been closed and, for some reason, still held {$3.00}. 

I want to know from Goldman Sachs : Why did they contact us if my father 's account was already closed? Further, I want Goldman Sachs to explain why the following personal information was demanded of me in its mailing to me as a supposed beneficiary of an account ( which was in fact not the case since the account was closed ) : -- My father 's death certificate -- My completed XXXX including my social security number -- My date of birth, address, and full legal name -- A notarized copy of my state/US government identity card -- Verification of my willingness to undergo a background check In addition to my receiving a XXXX share of {$3.00}, what use did Goldman Sachs have planned for my personal information? And finally, I want Goldman Sachs to provide a response to how it planned to safeguard my personal information? I am astonished, quite frankly, by the blatant attempt by an apparently legitimate company ( Goldman Sachs ) to extract my personal information and that of my deceased father. I can't help but suspect that Goldman Sachs is engaged in data harvesting, which could leave me vulnerable to identity theft. In submitting this complaint, I want to force Goldman Sachs to explain itself in order to safeguard other vulnerable Americans. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: EQUIFAX, INC.
State: CA
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:
The credit bureaus have failed to address their negligent and false reporting. They claim they investigate and " update '' or " certify '' or " update '' information. However, it is clear the only thing that occurs is more harmful, false, unsubstantiated information per account. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Allegedly charged off XX/XX/XXXX, yet, XXXX reports all of the following statements : " Account charged off/Never late '', " {$2500.00} written off. '' " {$2.00}, XXXX past due as of XX/XX/XXXX. '' In the first place, how can an account be charged off yet never late? The very statement is false and inaccurate and should be enough too remove the account from my report. Further, if the account is charged off, the account balance is not past due and written off. 

This erroneouos reporting repeats itself account after account. Is there anyone actually addressing the disputes? Who has XXXX  communicated with to verify their updates? 

here are the other accounts reporting the same errors ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a collection account may not be " past due '' as it's very nature is to collect on an alleged " past due '' account, XXXX XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Received a letter from Bank of America that somebody tried to apply for a Credit card using my name. I called Bank of America and notified that I didn't apply for the card and I don't recognize this activity. I also called XXXX XXXX and notified them and they put a freeze on my account. I have no idea how my personal information leaked out.

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