BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Discover has unexpectedly required a form 4506-T under threat of account closure. This is not an industry standard - I've had credit cards for more than 20 years - and I refused to disclose such sensitive information. 

I believe this is intimidation driven by an under-pressure underwriting department who is extending their reach beyond reasonable industry norms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-15
Company: Experian Information Solutions Inc.
State: TN
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:
on XX/XX/2020 I mailed a letter requesting verification of inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I sent another letter. still no response. It has been 3 months now.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Complaint number XXXX closed stating they sent a letter. I replied to letter with cerified mail and was received by company. This does not resolve or even address the complaints addressed on the statement. Fix this issue and reply to the congressional office that forwarded this complaint

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 2023-05-25
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was informed that opening a TD checking account and redeeming my points into it would result in double the value. According to a representative, when I claimed my points, I was supposed to receive {$960.00}. However, upon redeeming my points, I only received {$460.00}. I contacted the bank to address this discrepancy, and they acknowledged a system issue and assured me that it would be automatically resolved. Despite multiple calls and several days having passed since I redeemed the points and reported the issue, it remains unresolved. This problem initially arose on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10
Company: Experian Information Solutions 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:
On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the wrong person hands.

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 2022-03-30
Company: EQUIFAX, INC.
State: WI
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:
I am reporting to have the following accounts attached in this complaint to be removed from my account. They were added there without proper verification and with discrepancies. This goes to show that not much investigation was done and therefor a violation of my FCRA. I already informed bureaus but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
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:
On ( XX/XX/2020 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet, I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and its been over 60 days, so it should be deleted promptly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong person hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
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: Investigation took more than 30 days

Complaint:
I submitted a FTC report twice, ( XX/XX/2023 and XX/XX/2023 ) to all XXXX credit bureaus for a fraudulent account. XXXX did their investigation and found that the account was indeed fraudulent and removed it from my report. I submitted their findings to Transunion and XXXX, but they have yet to remove it and the only response that I received was that they would be investigating. That has been over 90 days now.

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 2022-01-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.

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 2023-02-16
Company: EQUIFAX, INC.
State: GA
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  accounts # XXXX, # XXXX, # XXXX have 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 166B A creditor may not treat a payment on an account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$350.00} XXXX/XXXX   XXXX {$350.00} XXXX XXXX XXXX {$660.00} XXXX  XXXX  XXXX {$140.00} XXXX  XXXX  XXXX {$410.00} XXXX  XXXX  XXXX {$350.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX {$190.00} XXXX  XXXX  XXXX {$470.00} XXXX   XXXX {$350.00} XXXX  XXXX {$660.00} XXXX  XXXX {$660.00} XXXX  XXXX {$3500.00}

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 2019-08-30
Company: Early Warning Services, LLC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, using the Zelle app, I sent {$400.00} ( as a security deposit ) to someone who was supposed to become my new roommate. They said after I sent the deposit, that I would receive the keys to my new place. Unfortunately they ended up being a scammer. I drove from Colorado to XXXX XXXX for this and now I have no money and no place to live. Zelle has no policy on this and therefore did nothing to help me and my situation. I have the email of the scammer and they sent me pictures of their I.D . ( which I'm guessing is not really them. ) If that somehow helps at all. But if there's anything that can be done, I'd really appreciate it, seeing as I am now broke and homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
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: Information is missing that should be on the report

Complaint:
I have finance my vehicle with XXXX XXXX for over a year almost a year and a half and have had trouble getting it reported to equifax even though they say its being reported. I have called numerous times to XXXX AND EQUIFAX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with equifax. I have offered to send my payment information my loan information and equifax refuses to take it from me stating it has to come from XXXX XXXX. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions Inc.
State: VA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have two inquiries on my credit report. One is on XX/XX/XXXX at a XXXX XXXX and the other is XX/XX/XXXX. I called the number no one picks up I constantly call I did not apply for a car in California when I live in Virginia. Secondly, yesterday XX/XX/XXXX someone tried to apply for a credit card from XXXX  XXXX with my information. I need that taken off my credit report because I did not apply for a credit card. I called Experian. They said they cant take it off because its an application of some sort in a hard inquiry. The people who submitted the application have to take it off I cant get in contact with them so we need to do something about this. Its ridiculous how this could happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: Experian Information Solutions Inc.
State: TN
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 had a HORRIBLE experience with Experian customer service this morning. It's been 40 days since they received my dispute on XX/XX/XXXX ( I have attached proof of tracking AGAIN ). Their investigation has taken over 30 days and they have not removed the unverified items. Instead of removing, they want to start an entirely new investigation. NO, just remove the unverified items! It's been 40 days an they have yet to verify ANYTHING.

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 2023-09-26
Company: SYNCHRONY FINANCIAL
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:
The fraudulent inquiry was applied to my credit file on XX/XX/XXXX by XXXX XXXX without my consent. The letter provided to me by XXXX XXXX on XX/XX/XXXX, requesting removal, was approved. However, it contained incorrect inquiry dates, and XXXX refused to remove the inquiry. Please refer to CFPB case # XXXX. Kindly issue a new letter to me with the correct information and promptly submit this removal request to XXXX Credit Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am writing to express my concern regarding the recent closure of my Bank of America account. My name is XXXX XXXX and I received notification from the bank that my account was closed due to a " business decision '' without any further explanation. As a customer, I believe it is my right to be informed of the reason behind this decision. 

I understand that banks have an obligation to prevent fraudulent activities and I appreciate their efforts in ensuring the safety and security of their customers. However, in the absence of any explanation, I am left with concerns that my personal information may have been compromised and used for unauthorized purposes. It is imperative that I know the reason for the closure so that I can take necessary actions to protect myself and prevent any further misuse of my personal data. 

I went to Bank of America branch and called customer service, both were rude and talked to me like I committed a crime and that the reason for account closure is because of a mistake from my side, which is not true at all. 

I strongly believe that every customer deserves transparency and respect from their financial institution. The sudden closure of my account without any explanation is not acceptable, and I request that Bank of America provides me with a clear and detailed explanation for this decision. I hope that this matter will be resolved as soon as possible and that my concerns will be addressed accordingly. 

Thank you. 

Sincerely, 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 2018-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was a computer glitch in TransUnion system that deleted all inquiries from my TransUnion credit report. This problem was TransUnion and not caused by me or any actions of mine. This glitch happened in XX/XX/XXXX and also in XX/XX/XXXX. TransUnion then later added all the inquiries back on my credit file without giving me the legal required written notice of 5 days prior to re-adding them to my report. I contacted TransUnion on XX/XX/XXXX in good faith to ask them to delete the inquiries that they illegally re-added. The representative would not remove the inquiries even though he admitted that the glitch happened. These inquiries bring my credit score down and add a hardship to my credit potential. It is clearly a violation of my rights by TransUnion and a clear disregard of protocol. Please help in stopping TransUnion from victimizing citizens. As a resolution I am asking that TransUnion delete all inquiries from my credit report permanently due to the violation that took place when they were illegally added.

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 2023-02-16
Company: EQUIFAX, INC.
State: NC
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 XXXX  with the Fair Credit Reporting Act, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Account have 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 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 2023-02-08
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela, the federal servicer of loans eligible for Public Service Loan Forgiveness, appears to be purposefully and willfully misclassifying my application for PSLF. It is apparent that they are conducting business in a manner to exploit both borrowers and the federal government to maximize the interest collected on loans consolidated to them, as evidenced by thousands of similar publicly available complaints relating to what can only be willful ineptitude. 

I consolidated my loans prior to the XX/XX/2022 deadline, and submitted two employment verifications that covered a span of over 10 years. Despite communicating with them dozens of times, they still have not yet verified that two different local governments are eligible public sector entities. Additionally, they periodically send correspondence that states that 1 ) I have had no eligible employment, or 2 ) made no eligible payments, which I believe may be designed to dis-incentivize individuals seeking forgiveness.

The process for verifying eligibility should be simple, but Mohela is making it tremendously difficult, and is continually providing incorrect correspondence that could lead a person to believe they are not actually eligible when they indeed are. In some cases, Mohela staff state on the phone that they " need more time '' or to " give them another 90 days '' even after they have sent letters ( electronically ) that state " You have not yet made the required 120 qualifying payments necessary to be eligible for PSLF ''.

Mohela should be fully investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief