BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

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 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer. 

15 USC 1681 Section 602 States I have a right to privacy.

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

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1692 d ( c ) states that its a violation for advertisement for the sale of any debt to coerce any payment of debt.

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 2021-12-29
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:
XXXX EXPERIAN AND XXXX HAVE BEEN REPORING ACCONTS TO MY CERDIT FILE THAT ARE FRAUDANT ACCOUNTS DUE TO MY IDENITY BEING SOLEN WHICH I HAVE POLICE REPORTS TO PROVE MY CASE BUT NOTHING HAS BEEN REMOVED FROM MY CREDIT FILE EVEN AFTER I SENT IN MY POLICE REPORT AND DISPUTES THE ACCOUNTS ARE AS FOLLOW XXXX XXXX XXXX BALANCE OF {$520.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} XXXX XXXX XXXX {$450.00} XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1700.00} NOTHING HAS BEEN DONE AND IVE REACHED OUT TO EACH COMPANY AND STILL NOTHING DONE

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 2023-02-03
Company: EQUIFAX, INC.
State: IL
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:
Accounts illegally open in my name I no longer lived at the address and or never lived at the said addresses

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As of XXXX of XXXX. I discovered that I've become a victim of identity theft. I had a substantial amount of money in my checking/savings and credit card account and overlooked large sums of money being charged and transferred from my account. It has been verified that my account has been compromised due to a spyware remotely accessing my phone. I was able to get an incident report from law enforcement and an identity theft report from the Federal Trade Commission to support my claim after thorough investigation was done and confirmation was made of how my accounts were compromised. Multiple lines of credit of was opened and services were used in my name. I reached out to Navy Federal Credit Union to dispute the charges with the Fraud Department. I first discovered the unauthorized credit card charges, in which I reported to Navy Federal. An investigation was done and I was able to get the charges credited back to my credit card. The original credit card account was closed and a new card was issued. After filtering through my checking/savings account, I discovered charges dating back to XXXX that I was unaware of. There were a large amount of XXXX and XXXX transactions, along with other fraudulent charges that was linked in my name. The Fraud Department issued a 'Statement of Forgery for Navy Federal Debit Card/CUCard Form ' for me to list each itemized fraudulent charge. I submitted as many charges that I was able to list on the form. I also have additional to submit as well. I was advised that an investigation would be done and I would be notified of a decision within 45 days. I haven't heard from anyone at NFCU in regards to my fraud claim. After a few months went by, I have followed up with a NFCU representative to verify the status of my claim. I was advised that the claim was denied. I received no notice of denial via phone, mail, or email. I have yet to get a fair resolution based on a lack of support and lack of effort in properly investigating this matter in a timely fashion. Within the time of the identity theft, I have experienced a major financial hardship that caused me to almost lose my home and a car repossession. I had to apply for government assistance in order for me to keep my bills paid. This has also affected my credit. I've applied for a personal loan, auto loan and even an increase in my credit limit for my credit card. I've been denied for all three loans ( in which my consumer law/FCRA rights have been violated ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Forebearance Program Release Delayed Since XX/XX/XXXX Have made 5 consecutive payments made since XX/XX/XXXX Paperwork recieved XX/XX/XXXX to release me from program-still not released XXXX requested a max complaint to expedite release of forbearance program XXXXstill no response to my release Paperwork Sent Issue : Have called 5-7 times from XX/XX/XXXX to get paperwork sent. 
Paperwork sent- Huntington Bank would not except signature Huntington Bk sent out paperwork with wrong name, ( someone else 's paperwork ) Sent out new paperwork, notarized, Huntington Bank received- XX/XX/XXXX 8 weeks since XX/XX/XXXX, still no release from forbearance program, delaying my refinance efforts, can not move forward with a refi. 
Requested a Loan payoff quote : XX/XX/XXXX requested payoff quote, current balance on mortgage does not reflect any monthly payments, they have not been applied, can not get true loan amount to refi XXXX, stated they will fax to branch, XXXX IL ( Can not email or give verbally ) XXXX, no fax XX/XX/XXXX, still no fax, requested another max complaint be issued to for Homesavers dept to process my paperwork to release me from forbearance program and issue final mortgage balance. 
Trying to refi since XX/XX/XXXX, can not due the incompetency of Huntington Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied to FedLoan to consolidate and achieve forgiveness on my FFEL loans. Consolidation was complete in XXXX and I submitted my employer certification form shortly after also in XXXX. I re-submitted the same form again in XXXX because there has been no movement. Im reading that people that applied for forgiveness after me have received forgiveness and nearly 5 months later I dont even have payment counts. They are not reviewing cases in order. I called in XXXX and was told it could take 120 days from the forgiveness application. Its been more than 120 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, several of my friends transferred money to me through the Bank of America account, each amount was about XXXX dollars, which was a normal transaction between us. On XX/XX/XXXX, some transactions were automatically withdrawn. Neither my friend nor I performed any operations on these transactions. This was the banks active withdrawal. On XX/XX/XXXX, my XXXX XXXX account was held on and then canceled. The transaction that was automatically returned should have been returned to my friend 's account, but my friend did not receive the money that should have been received. The total withdrawn transactions involved a total of {$950.00}.

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 2023-03-25
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to request the removal of unauthorized credit inquiry/inquiries on my credit report. I recently retrieved my credit report and it showed credit inquiries that I have no knowledge of ever authorizing.

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 2021-12-29
Company: Lien Receivables LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
According to text messages which I have XX/XX/XXXX Lien receivables LLC Contacted me about a XXXX XXXX that was towed and they are accusing me of oweing XXXX dollars. I contacted DMV in XXXX and they said ignore them because that car is not in my name and I am not a previous owner according to DMV records. I ignored them after explaining DMV said that I am not a owner please contact them with any more questions please do not contact me anymore. They called multiple times and then as of today XX/XX/XXXX they contacted me through text message again after stating please leave me alone about a debt that isnt mine, They contacted me and said they sent me a letter which I did not receive and still they threatened to mess up my driving record or registering another car and they also threatened to mess up my credit due to this debt that isnt mine again I stated for them to leave me alone and that this is harassment. Ive been called the Federal Trade Commission and they transferred me to CFPB to file my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I received a promotional offer for my Gap Card ( issued by Synchrony Bank ) for the months of XX/XX/XXXX and XX/XX/2016. The promotion was you would receive 5 times the normal rewards points for each purchase during the period PLUS XXXX points each day the card was used. Points were to be awarded within 2 billing statements By XX/XX/XXXX no bonuses were issued. I contacted Synchrony Bank and they acted like they never heard of the promotion and said they would look into it- I could expect to have it resolved in 2 or 3 more billing cycles. I contacted The Gap about this via email ( attached to this complaint ), they apologized and said Synchrony Bank would be in touch within several days. They were. A nice woman named XXXX from SB apologized for my problem, explained that by error the offer was n't linked to my account but that it was good, I would get my points and even offered {$50.00} in extra rewards points for my trouble. She assured me it would be resolved and the rewards would be awarded by my next statement. By this time I had at least 90 mins invested in calls, live 'chats ', and letter writing. After our call, I confirmed that the 'points for my troubles ' ( {$50.00} in Gap rewards ) were added to my account and believed that the points I 'earned ' through the promotion would be added soon and every thing would be fine. Today I received a form letter in the mail, basically playing 'Twenty Questions ', asking dates, amounts, etc- as if I am supposed to do all the research and calculations for them, after I was assured that the matter was settled- basically taking me back to 'square one '. They clearly had all this info already when I spoke with XXXX. What a terrible consumer experience and poor reflection on The Gap. I really never want to have anything to do with either Synchrony Bank or The Gap ever again.

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 2022-04-04
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
My account and or card was compromised. Funds were fraudulently stolen from me. i opened a fraud claim with my bank TRUIST, they've credit my account of the missing funds. On few weeks later i receive a negative balance of XXXX. I am confused because i believe my bank failed to protect me as a consumer and my consumer rights werent protected. I cant afford to lose any funds in a dire time like this. At this time I would like TRUSIT to uphold its commitment to the Electronic Fund Transfer Act or ( REG E ). This federal law protects me as a consumer against such claims. Thankyou

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 2021-08-11
Company: SCA Collections, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach 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 2017-03-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
submission # XXXX SELECT PORTFOLIO SERVICING INC. 1. XX/XX/XXXX forwarded debt validation letter to select demanding claim and ownership of note.forwarded copies instead of originals as demanded. SELECT representative suggested I may come to their office in XXXX Utah to examine the originals. since then on XXXX occasions notices have been placed on my door in spite of cease and desist until debt is properly validated. 2. ) XX/XX/XXXX RESPA QUALIFIED WRITTEN REQUEST forwarded by certified mail Select representative responded with refusal to answer all questions explaining some of my questions will not be answered because some my questions are overly broad or some of my requests will not be answered because of propriety and confidential information.3. ) response forwarded with an enclosed affidavit to representative XXXX XXXX demanding a response in her private capacity under penality of perjury have yet to receive the affidavit or a response.4. ) certification of non-response/non performance forwarded and presented XX/XX/XXXX to RESPA letter with NOTICE OF FAULT IN DISHONOR 5. ) CERTIFICATION OF NON-RESPONSE/NON PERFORMANCE and NOTICE OF FAULT IN DISHONOR forwarded XX/XX/XXXX to debt validation letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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: 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. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance : {$500.00}

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 non-monetary relief
Consumer complaint received 2023-04-01
Company: Resurgent Capital Services L.P.
State: NJ
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 XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XXXX I, XXXX XXXX  Federally protected Consumer and Natural person extended credit to LVNV FUNDING LLC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent LVNV FUNDING LLC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. LVNV FUNDING LLC is now civilly and criminally liable for violating my consumer rights. LVNV FUNDING LLC union has yet to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, GA XXXX TransUnion , LLC XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, XXXX, FL 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 2023-09-10
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Syncrony continues to check my credit report without autorization. They continue to close accounts that are in good standing, they increase interest amounts even with a good payment history. They want to contiue to raise the credit interst without notifying me or addressing the problem. They are loan sharks-in America!!

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 2016-10-13
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am disputing account number XXXXXXXX with XXXX XXXX XXXX for an amount of {$1900.00} because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted XXXX XXXX XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Bread Financial Holdings, Inc.
State: TX
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 received a report that there was a hard inquiry made on my credit report for a bankcard that I never applied for and I did not authorize the credit check.

Company response to consumer: Closed with non-monetary relief