BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-24
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting 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:
" I recently discovered several hard inquiries on my credit report that I did not authorize. Upon further investigation, I found out that these inquiries were made by SYNCHRONY FINANCIAL. I have never had any dealings with this company, nor have I given them permission to access my credit report. 

I suspect that my personal information was obtained fraudulently. A few weeks ago, I received an email that appeared to be from a company I frequently do business with. The email claimed there was a security breach and asked me to confirm my personal information. I now realize this was a phishing scam. 

I am deeply concerned about the impact of these unauthorized inquiries on my credit score and the potential for further fraudulent activity. I request that SYNCHRONY FINANCIAL immediately remove these hard inquiries from my credit report and take steps to ensure this does not happen again. I also urge them to investigate how they obtained my personal information and to take appropriate action against any fraudulent activities. 

I would appreciate your assistance in resolving this matter and protecting my personal and financial 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 non-monetary relief
Consumer complaint received 2023-10-08
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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, 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.

15 U.S.C 1692b acquisition of location information by debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: PA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Comerica
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For the past three months, I've experienced an unimaginable hardship due to a series of inexcusable errors on the part of Direct Express. My Social Security benefits, which are essential to my survival, were inexplicably suspended due to alleged fraudulent activity on my account. Despite submitting my ID and Social Security card multiple times, including with the assistance of my social worker, Direct Express repeatedly rejected them as invalid for frivolous reasons like being XXXXXXXX XXXX XXXX or requiring a digtial camera. 

This bureaucratic nightmare resulted in me nearly losing my housing and facing severe physical and mental anguish. I was forced to endure extreme hunger and exhaustion, scraping together whatever resources I could to survive while recovering from a serious car accident. This situation has caused me immense emotional distress and financial hardship. 

Direct Express 's utter lack of transparency and disregard for my basic needs is deeply disturbing. They failed to communicate the issue effectively, even to Social Security representatives, and offered no explanation for the delays. This callous behavior has left me feeling vulnerable and helpless. 

I am currently pursuing legal counsel to address this outrageous situation. Direct Express must be held accountable for their negligence and the suffering they have inflicted upon me. I urge them to immediately release my withheld benefits and provide a comprehensive explanation for their actions. 

Additionally, I demand compensation for the pain and suffering I have endured as a direct result of Direct Express 's incompetence. Their actions have caused me significant physical, emotional, and financial harm, and they must be held responsible for their egregious misconduct. 

I trust that you will take my situation seriously and assist me in seeking justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 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 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.

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 2021-04-16
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:
I filed a dispute with Experian ( Report # XXXX ) on two separate occasions the last one being on XX/XX/2021 regarding erroneous information being reported on my credit report by the creditor XXXX XXXX XXXX. This creditor erroneously was reporting that my account was in collections and past due when in fact both myself and the creditor entered into a settlement agreement filed with the court resolving the matter and paying off the creditor. I notified Experian as well as the creditor XXXX XXXX XXXX ( Account XXXX ) to remove this information and they refuse to do so in spite of the fact that I even provided supporting documentation that the matter wasn't in collections and the account was settled and paid.

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 2021-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I closed an account with XXXX XXXX XXXX on XX/XX/XXXX, when I paid the account in full on XX/XX/XXXX, they reported the information to the credit bureau as account being closed XXXX XXXX. This impacted by credit score negatively by 30 points. I have been notifying XXXX XXXX XXXX and the credit bureaus since XXXX, XXXX. XXXX finally submitted the corrected information to Transunion and they have updated my credit file with the corrected information, but they are telling me they can't do anything to correct by credit score to recover the 30 points that was lost because of XXXX error. My credit score with Transunion at the time was XXXX and it failed to XXXX, and my score with XXXX was XXXX and it failed to XXXX. I think its very unfair for my score to be negatively impacted because of an error by the bank. The bank has corrected their information with the credit bureaus, TransUnion have updated the corrected information in their system, but I'm continually told it's nothing they can do to correct my score. Thanks for your support in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Yesterday and for over a year I have been working hard to manage my accounts for better scores to purchase house and car. Yesterday score was XXXX all info same today lowered score XXXX points nothing was changed I paid as I was supposed to someones tampering with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
After I was laid off for 2 1/2 years in XXXX, after my husband had emergency XXXX XXXX XXXX  XXXX, which he is XXXX now, and has had 3 XXXX  XXXX  and 1 XXXX  XXXX  since then. My XXXXrd Loan Modification was approved in XXXX by Seterus. There was a balance of {$32000.00}, when I was laid off, but they approved my Loan Modification. Then Seterus filed bankrupt, and sold my mortgage to Mr. Cooper Mortgage Company. Mr. Cooper Mortgage Company claim that because I have had 3 Loan Modifications in my life-time, due to loss of job beyond my control, they can not approve my loan, so instead of them continuing or carrying over my Loan Modification or approve, they however, carried over the balance from Seterus. Mr. Cooper sent me an email that I could apply for the forebearance in XX/XX/XXXX, when Mr. Cooper took over my account, along with 300,000 other homeowners. Now, I'm facing foreclosure in XX/XX/XXXX, when the forebearance ends, if I don't pay that {$32000.00}, but I have already paid them {$10000.00}, since XX/XX/XXXX to present. I'm trying to make a month 's payment now, but is unable to click on the payment button, for it to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent TD Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Also, they should not be reporting that I am ( 90 ) days late on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account also reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
the onemainfinancial email me using this account : XXXX they say i was approve to loan. then I called the given number in the email, well they told that i need to pay somes fees by gift cards /prepaid cards. so i paid all the fees they say, it cost me so much money but nothing happens they keep promising that after i give this amount they will release the amount of money I'm loaning and it will be deposited on my account then later on I got suspicious because they asking me again to pay a fee again. i told them I can't afford anymore the fees I'm gon na cancel my loan application and i want to refund my money it cost me 5,000 this the total amount i paid in the fees and they even give me a unpaid check that cost me 1,946 that my bank returned me the deposit check. so I search the website of the onemain Financial then email in their official site then they email back to me that they don't use gmail.com and they don't request payment fees on a gift card/ prepaid card. so the scammers txt me if i don't give them the amount they asking so that I can't refund my money that's what they say, after that if i don't come up with the amount they asking they will call the legal team and they will go to my work place and humiliate me thats the message they text me and threatening me that they will sue me and go the court house. I didn't delete their messsage for proof and receipts and the email and

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
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:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 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 2023-12-10
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX I received an email from XXXX XXXX that I have an outstanding debt with Crown Asset Management them to validate this debt. On XX/XX/XXXX I requested from XXXX XXXX that the debt to be validated, their response was that the Debt was sent back to Crown Asset Management. I was then sent a letter by usps from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX. They stated that i owed a XXXX to crown XXXX XXXX. On XX/XX/2023. I requested for them to validate the debt by providing me with the signed agreement bearing my signature, On XX/XX/2023 I received Priority mail from a " XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX ''. This mail contained a small claim writ from XXXX XXXX attorney for Crown Asset Management. it contained an assortment of documents with signatures by person in several jurisdiction namely Georgia, California, Michigan, Virginia and Connecticut. What was not included is the agreement which i supposedly signed. When I called the XXXX XXXX XXXX to get more information, there was none available. Up to the point of me filing this complaint, I have not received that agreement with my signature nor the Answer form from the Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-16
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have issues with my file there are some addresses on my file that do not belong to me. 
My name is XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I need the following addresses deleted removed : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXXOH, XXXX, XXXX. XXXX XXXX XXXXOH, XXXX, XXXX XXXX XXXX XXXX OH,XXXX, XXXX XXXX XXXX XXXX OH,XXXX XXXX XXXX XXXX XXXX OH,XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: TX
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:
These are fraudulent accounts. The IRS has determined that I am a victim of identity fraud starting back in 2007. I want these accounts removed from my credit profiles because they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System Inc ( on behalf of XXXX XXXX ) posted a derogatory collection notice on my credit report in the amount of {$59.00}. No one has tried to contact me about this previously and I have no accounts with either IC System or XXXX XXXX, so this fraudulent claim must 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 2021-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
We were charged a {$95.00} annual membership fee on our XXXX Statement ( bill received and payment due in XXXX ). We decided to close the account and pay off balance rather than pay the fee. I closed the account XXXX XXXX, 20 days past the due date on the bill but prior to the due date on the next month 's bill. 

We received a late notice from Capital One, who is still charging us the {$95.00} membership fee in spite of us no longer having a credit card with them. I called today and spoke to a supervisor who refused to void this charge and says we were two weeks too late notifying them we were closing the account and we must still pay the {$95.00}. This time period notification requirement was buried in the fine print on the back of the bill. Since we are no longer a " member '' or cardholder, this is a ridiculous fee. A membership fee implies someone is receiving some sort of benefit from the association. Since we cancelled the fee, we are receiving no benefit from Capital One and should not be responsible for this fee. Unfortunately, not paying it will only hurt our credit rating, so we are held hostage by their loan shark polices.

Company response to consumer: Closed with monetary relief