BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2022, I submitted a dispute to your company regarding [ information on my credit report ]. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 

However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 

DPT EDXXXXXXXX XXXXLate Payment DPT EDXXXX XXXX Late Payment XXXX XXXX XXXX  Collection XXXX XXXX XXXX  Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX Collection I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 

If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

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 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX Balance Owed : {$6100.00} ; ACCT XXXXXXXX XXXX XXXX Balance XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$900.00} ; XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; and XXXX XXXX AV XXXX XXXXXXXX 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 2020-11-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This is not about the denial itself, but rather due to Synchrony 's refusal to provide a reason for the denial except via mail and making the problem worse by saying that the only way to submit a complaint about the practice is to mail a letter to their corporate office located in Florida. I submitted an application for credit via an offer from a local flooring company and was told by Synchrony that the application was denied, yet they refused to tell me why. Synchrony kept telling me that a letter would be mailed to explain the reason for denial. When I told them that other financial institutions like XXXX XXXX and XXXX XXXX at least tell you the reason why so you can quickly cure it ( if possible ), they just kept telling me sorry but a letter would be coming. 

This is honestly the first time this has ever happened where I have been denied credit and the institution has refused to say why. It could have been due to reasons like my credit not being properly unfrozen ( which is a separate issue where the three credit bureaus often do not properly flag accounts as unfrozen ), too many recent inquiries due to a property purchase, or insufficient income ( even though the application listed {$140000.00} and could have been cured by adding my spouse 's income as well ). I feel that a bank that makes billions in revenue refusing to even tell why an application was denied is disrespectful. 

In addition, I wanted to file a complaint to have the bank look into this and see whether the practices could be changed or whether protocols were being adhered to and was told that I had to mail a letter to XXXX XXXX XXXX in XXXX, Florida. I am not sure if even this is legal since it seems like an attempt to reduce the number of reportable complaints. 

Either way, Synchrony seems like a company that only cares about itself and the salaries of its CEO and Board of Directors rather than its customers or potential customers. I would like to reiterate that the supervisor I talked to was considerate and professional. My issue is not with any of the employees, but rather this corporation.

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 2023-02-05
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: Personal information incorrect

Complaint:
A relative in XXXX used my social security number to get XXXX XXXX services at her apartment. She left a bill of {$100.00} and I paid that bill but it is not my bill. It has brought my credit score down and hurt me in different ways financially. I would like it completely removed from my credit report. This relative lives in XXXX Arizona. They didn't ask for my ID because she doesn't have my ID if they would have done that they would have seen that she's not me. It's really unethical what happened here.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX, I was indebted to XXXX XXXX with the amount of {$100000.00} in credit card, and it accumulated interest to the amount of {$1400.00}, and i completed the payment and they still have my name on file. 
Secondly, I was indebted to XXXX XXXX XXXXXXXX a little over XXXX and I paid. they still have my name on file

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 2023-08-02
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-05-11
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This in regards to a vehicle from XXXX XXXX with an open auto loan through XXXXXXXX XXXX XXXX XXXXXXXX act # XXXX. XXXX XXXX did not provide me with Truth in Lending. This is a clear violation of my consumer rights. If they provided me with TILA then I would have known that the alleged vehicle was not funded. XXXX XXXX provided me with a vehicle on or around XX/XX/2022. I did not have full amount that they were asking for but they still allowed me to purchase vehicle without insurance. I stated to the sales rep that I was not fully comfortable with the car that they provided for me because KIAs, right now in XXXX XXXX MO have a high theft alert. They then stated that I could not return car once I drove off the lot which is another violation of TILA and regulation Z which clearly states they are to provide consumers with rescission rights. XX/XX/XXXX the vehicle still had not been funded. I waited until XX/XX/XXXX to try and return car again seeing that it had still not been funded and thats when the vehicle was stolen. I have the police report with complaint # XXXX and it will be attached. I contacted the sales rep and he tried to make me feel bad by saying to not say anything since I did not give them what they originally wanted for the car to begin with. He said that he would take care of the situation. XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX posted on my consumer report and began requesting payments. I did not give them permission to post anything on my consumer report. 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. Once I seen the posting I immediately contacted the sales rep at XXXX XXXX where I was told the sales rep no longer worked there. XXXX XXXX falsified information to get me into a car and has not tried to help resolve this. They are damaging my consumer report because XXXX XXXX  is marking late payments and adding interest on a vehicle that I don't have and never was supposed to have to begin with. By the time the first payment was supposed to be made and funding came through the car was already gone. XXXX XXXX is responsible for this and needs to handle this. I also will be filing with MO Secretary of State as well.

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 2016-09-13
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
An individual identifing herself as XXXX XXXX from National Collegiate Trust called my husband, XXXX XXXX, telling him they were calling to collect on a debt in the amount of XXXX from the XX/XX/XXXX-XX/XX/XXXX school year. She told him AES ( American Education Services ) made a significant payment XX/XX/XXXX, but the debt was not paid off in full. 

She then asked him to verify the billing address and told him because he was my spouse she could provide him with this additional information. XXXX is not a co-signer on this loan and the notes are currently held by XXXX ( formally XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 2023-08-02
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
got charged for XXXX dollars as an " adjustment payment '' for no reason I talked with several online customer services but they all claimed that this was a wrong charge and the money was already back to my account, but my statement for XXXX was XXXX dollars and it became XXXX dollars for XXXX. I only made XXXX dollars in purchasing items, the " adjustment payment '' is definitely not returning to my account And also, everytime I would receive a notification claiming that I've already successfully made the payment for the payment cycle, but then several days later I would receive another notification telling me that the payment is actually not successful and I would still be charged for XXXX dollars as late fee. why?

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 2023-05-11
Company: Experian Information Solutions Inc.
State: SC
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 one of many attempts I've made to alert credit reporting agencies to the fact that I've been the victim of identity theft and that I want to check some of the records in my files that the crime left behind. Any transactions involving goods, services, or money that I have made or authorized are unrelated to the documents I'm looking at. Remove any information that was allegedly obtained through fraud or extortion from my credit record, assuming no one is looking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$230.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX,2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 non-monetary relief
Consumer complaint received 2023-06-21
Company: SUNCOAST CREDIT UNION
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited 2 checks given to me by my parents on XX/XX/2022 and my account was locked the following day while the checks were under review. I was unable to receive payment from my employer and I called XXXX. 

Despite numerous calls over the next 15 days, I have not been granted access to my account. I have now : -Missed 2 paychecks from my employer -Unable to make student loan payments -Been reliant on my credit card to make purchases I have called XXXX close to 10 times and receive conflicting information in every call from being told my account is restricted, to it being closed, to re-opened, and restricted once more. 

This has been absolutely absurd and I want my hard earned money back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to Capital One several times to remove me as an authorized user, however, Capital One continues to report account open on my credit report as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
Each credit reporting agency have continued to violate the FCRA regarding fraudulent information reported on consumer reports. I filed the necessary documents to have the accounts listed on my FTC report " blocked '' from being reported. However, the credit reporting agencies continue to treat the block as a dispute and the accounts remain. This is a violation and they need to be held accountable.

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 2022-05-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that the Credit Bureaus are not blocking records when they are sent with a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please remove these Fraudulent information from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation