BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX  XXXX XXXX Balance Owed : {$580.00}. 
XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$66.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRUIST FINANCIAL CORPORATION
State: CA
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:
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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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. Transunion 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-17
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I purchased about {$7000.00} of a  ppliances from hhgregg 's in 2015 and they recommended that I use their 24 months no interest plan to payoff the purchase if I signed up for the payment plan with Synchrony Bank, their credit arm. I said fine although I was able and willing to pay for the purchaser in its entirety at the time.
I signed some papers to set up the arrangement. I trusted the sales person that the payment plan would be set up as promised.
Following the purchase I received an bill from Synchrony bank for the purchase and I set up direct payment against my checking account assuming that the payments would come out of the account as promised.
To make the story short, they only took out the minimum required payment and two years later they have now charged me over {$4000.00} in deferred interest charges at 30 % rate! My payoff balance was less than {$3000.00}. I called the bank to pay off the balance but they said I owed the  m not only the balance but the deferred interest. This is truly a fraud.     I am intent to take them on and have hired a lawyer. I think this is a class action suit.     Meanwhile hhgregg 's is out of business ...

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 2023-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
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: Investigation took more than 30 days

Complaint:
I wrote dispute letters and sent in my FTC identity report to XXXX because I strongly believe the accounts I disputed is subject to identity theft. I was told by one of their customer service representatives that they do not investigate disputed items. The representative informed me that all dispute letters sent in will only be verified through mailing addresses only and if it comes back with my address on it then they will do nothing and it will remain in collections for 7 years. My dispute process also took longer than 45 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
While using   XXXX   XXXX   to help me get paid in real time I expieriance multiple delays due to my bank not sending information fast enough. It is not sending current info is read my account at a single dollar, while there is much more actually in the account. This is keeping me from being paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: RFNA, LP
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Harassing calls. Call started XX/XX/XXXX till present time. XX/XX/2023 they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, on XX/XX/XXXX they called me XXXX times, I made the night they called me XXXX times, XXXX the XXXX XXXX times,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I believe that Equifax is improperly report my credit score inaccurately. I believe the information provided to them about my inquires has damaged my rating being that my history is fairly new. Other bureaus are reporting higher than scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: BTH Management
State: MO
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:
this account was included in a BK chapter XXXX. and account was repossessed XX/XX/XXXX BK was XX/XX/XXXX and discharged 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 explanation
Consumer complaint received 2020-05-29
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I bank with PNC Bank they will not connect to third-party applications such as XXXX, XXXX and XXXX. For myself and many others these applications are less lines which help to avoid overdraft fees manage finances invest and many other helpful tools. I have spoken with these different apps and PNC multiple times to try and restore some sort of connection because linking my checking account to these apps is absolutely necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXXExperianXXXX Credit Bureau has not XXXXomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been set up auto pay bi weekly since XXXX On XX/XX/XXXX I had low fund in bank account bc i was married and in process of create a new joint account. Specialized Loan Services SLSXXXX called and let me know about the insufficient fund. 
- XX/XX/XXXX : SLS took my payment over the phone, they told me to pay XXXX and XX/XX/XXXX. Amount XXXX Then call back next day, they would re establish bi weekly mortgage. they will waive {$25.00} insufficent fee as courtesy. XXXX XXXX would call back to continue set up bi weekly - XX/XX/XXXX, XXXX : XXXX never called back. when i called XXXX said i needed to pay another month on XXXX. 
Although tired of them but i paid another {$900.00} for XXXX XXXX told me call back next day to set up bi weekly They made it clear that they only need 1 month ahead but So fAR I paid 3 times mortgages but still being told " call back next day to set up bi weekly ". 

XXXX I called again, talked to 2 agents, they told me i have to pay another month and call back next day to set up bi weekly. I asked for supervisor and was told he/ she not avail until next week!!! 

This company is horrible lack of training and poor knowledge, too much " aaaa, .... o .... u ... " broken up words bc they did not know hiw to except telling me pay again and call back next day again and again. 

- Another issue : they read disclosure too long and too confused, too long before answering. Poor audio bad disconnection all the times

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 2022-12-06
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:
My name and personal info were in the XXXX XXXX XXXX and XXXX XXXX breaches in XXXX and XXXX. 
I discovered many names, phones numbers, addresses and accounts that were clearly not mine on my credit report. 
Credit agencies have been reporting addresses connected to my name with fraudulent and erroneous accounts. 
I am disputing the addresses that clearly states it's a business as a residence and I lnever lived there. 
I have sent documents and Affidavits and been on phone disputing these errors for the last 2 months. 
Please delete these accounts. 
I have been dealing with this mess for a while now and request prompt look into this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31
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 am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 2022-04-19
Company: DISCOVER BANK
State: CA
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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 US Postal Service XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
My personal information is on the dark web according to my credit monitoring agencies. I spoke with a representative about some enquiries that did not originate from me or with my consent. I will want these enquiries removed from my profile. Below are the enquiries 1. Factual XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( No address or phone ) XXXX. XXXX XX/XX/XXXX XXXX XXXX credit XX/XX/XXXX XXXX XXXX XXXX XXXX  These XXXX enquiries are not recognized and unauthorized

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 2021-09-22
Company: WELLS FARGO & COMPANY
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This is my 3rd CFPB complaint. On XX/XX/21 I received a collection call at approximately XXXX XXXX, waking me up in vacation. Wells Fargo has been notified of the acceptable hours to contact me both verbally and in written form. 

Collector did not verify that she was speaking with correct party. When I asked for a supervisor, he also failed to properly verify my identity per FDCPA regulations. The supervisor also refused to provide me his legal name, denying me my legal right to hold said representative accountable in a court of law ( should that ever happen ). I hung up on him and called back. When I spoke with another supervisor I explained the previous representative refused to provide his last name. I also brought up my last Unresolved CFPB complaint. 

Wells Fargo admitted to calling me at XXXX XXXX. I have requested, and still have not received, the {$1000.00} due me for this FDCPA infraction. Now, we have two representatives who didnt even VERIFY they were speaking with correct individual. That will be another {$1000.00}.

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 2023-07-31
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$7300.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX  XXXX XX/XX/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 2023-07-15
Company: SYNCHRONY FINANCIAL
State: AZ
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:
On XXXX XX/XX/2023, I received notification from Synchrony that the credit limit on my Verizon credit card was arbitrarily reduced. Consequently, there is now the perception by anyone who views my credit report that my usage has skyrocketed because of poor spending habits on my behalf. That is blatantly wrong, and the credit card company has decided my limit needed to be significantly reduced without any conversation with me regarding it. I am requesting the original credit limit be restored.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-27
Company: EQUIFAX, INC.
State: MA
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: Investigation took more than 30 days

Complaint:
Hi DCU Managers ; I trust this message finds you well. Enclosed within this correspondence, please find the attached documents that unequivocally demonstrate my XXXX XXXX status in the XXXX XXXX during the period when an account on my credit report was reported as late. I have engaged in numerous discussions with your esteemed customer service representatives regarding this matter, and on each occasion, I diligently provided evidence supporting my absence and limited communication during that time. 

Upon my return from military service, I promptly fulfilled all of my financial obligations, addressing both past and current bills with unwavering commitment. I believe this issue to be satisfactorily resolved following my previous interactions with your company. However, to my surprise, I recently discovered that late payments were once again reflected on my credit report. This development is perplexing, as I had been under the impression that these derogatory marks were removed from my credit report several months ago, following my last communication with your organization. 

It is important to underscore that the reporting of late payments during a period when I was actively serving our country is not only deeply concerning but also seemingly incongruous with the protections afforded to servicemembers under the XXXX XXXX XXXX XXXX ( XXXX ). I had a reasonable expectation that I would be shielded from such adverse credit reporting while fulfilling my duty to our nation. 

In light of these circumstances, I respectfully request your immediate attention to this matter. I implore you to investigate and rectify the reporting of late payments associated with my account. I believe it is crucial to uphold the principles of fairness and adherence to the XXXX, ensuring that my credit report accurately reflects the sacrifices made during my military service. 

Your prompt response and action in resolving this issue would be greatly appreciated. I trust that, through our collaborative efforts, we can swiftly address this concern and uphold the integrity of my credit report. 

Thank you for your understanding and attention to this important matter.

Company response to consumer: Closed with non-monetary relief