BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-02
Company: TRANSUNION INTERMEDIATE 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:
Per my last letter, XX/XX/2020, I asked your company to provide me with legal and validated evidence in which your customer service agent, XXXX, claimed was provided to your company by the creditors in this complaint, that warranted the resubmission of such accounts to my credit profile despite the fact that they were accounts legally identified as identity theft. 

My letter simply exercised my rights under FCRA rule section 11 ( a ) ( 6 ) and ( 7 ), the consumer has the right to request method of verification and that the bureau has 15 days to furnish their evidence. As of today 's date, XX/XX/2020, I have not received such evidence and it is 70 days past the allowed response time. 

I have been told my police report was invalid and that my FTC report was a fraud, I was lying, accounts couldn't be removed, everything possible to keep from proving to me why these accounts were reporting on my report. Both documents were notarized and on proper and legal letterhead/paper from their individual agencies per all legal policies and advise. I have sent in ID, proof of address, etc ( all of this is already on file with your company ) yet your company will not remove or prove these accounts belong to me. Your company is refusing to provide me with the proof, I am legally obligated to obtain by law that proves the accounts belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Due to the coronavirus pandemic -furniture I bought XX/XX/XXXX with delivery at that time was XX/XX/XXXX delivery since ( Understandably ) delayed until XX/XX/XXXX - store card credit Synchrony is insisting my first payment will be due XX/XX/XXXX or I will be penalized with late charges Spoke to customer care for XXXX and also Synchrony credit card - to no avail- No one expected this coronavirus impact but is it fair for me to pay ahead for something I dont have and honestly dont know if will get on XX/XX/XXXX - Also was going to cancel order b/c of this issue but will be charged a 15 % restocking fee! I have worked hard to rebuild my credit and do not want my credit ruined over this I think its truly unfair to ask for payment of something that is unclear when it will be available

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The are inquires on my credit report that isn't attached to an open account.

15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. 
The term consumer means an individual. 
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act

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 2022-04-14
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:
XXXX account has been closed for a year but XXXX is allowing them to report the account as " late payment. '' XXXX placed a penalty on my account some time after it was closed and sent that penalty to collections. 

A closed telecom account can not have a late payment, as dictated by 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 explanation
Consumer complaint received 2021-03-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Before the pandemic XXXX XXXX and Portfolio Recovery contacted me via phone and email threaten to take me to court for a lawsuit. I was getting harassing phone calls daily in the month of XXXX until end of XXXX. In the middle of XX/XX/2020 that is when they send me a court order to attend a lawsuit hearing. They threaten to send me to jail if I did not come to an agreement with them. I was shaken and frighten to be jail for something I know nothing about. The lawsuit cause my XXXX XXXX to go up and my health to decline with stress over the covid-19 and now lawsuits. I have attempted to contact them and was not successful. I left them detail messages and no one returned any of my calls. 

They stated that I owe them two amounts {$1000.00} and {$1100.00} ( XXXX XXXX ). 
Sometime last year I heard of XXXX breach as well as XXXX  breach. I am asking you to please help me put an end to the harassments from XXXX as well as Portfolio Recovery who stated that I owe them {$670.00}. This will mean so much to me and my health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX we received notification through XXXX informed delivery that Ally Financial had mailed a document to our former residence.The subject vehicle was never registered to that address therefore no communications regarding that vehicles loan should have been sent there. As my wife works in title for a mortgage company she quickly identified this as disclosure of XXXX. I contacted Ally the same day to discuss this and see what there plan was to remedy the situation. They stated they had updated the address and no further communications would be sent to that address. 

This morning XX/XX/XXXX we were again informed by XXXX informed delivery that an additional 2 documents were sent to that same address. After speaking with a supervisor at Ally for a second time we confirmed that both of those documents also contained XXXX. 

As the address these documents were sent to was a rental property we can not confirm whom may have received this information and what they may have done with it.

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 2021-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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 attempted to amend the past due balance and also clear the past missed payments Account is charged off and have not had success getting an resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It is almost 90 days the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

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 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. Thiis is the item I demanding to be deleted immediately : This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my public record

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-03-14
Company: EQUIFAX, INC.
State: MO
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. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account Number : XXXX, Account name XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account XXXX : XXXX  XXXX Account Number : XXXX, Account XXXX XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Team - I would like to report Identity Theft Activity. On XXXX XX/XX/XXXX, I was made aware of this activity by receiving an email from the XXXX Credit Bureau that my credit score had decreased by XXXX points. I went to the XXXX Credit site and saw on XXXX XX/XX/XXXX that the Enhanced Recovery Collection ( ERC ) Agency ( XXXX XXXX XXXX, XXXX FL XXXX ) was trying to collect a debt that was opened on XXXX XX/XX/XXXX for XXXX in the amount of {$1600.00} ( I never had any accounts with XXXX ). I did NOT receive any correspondence ( Mail/calls ) from ERC regarding this debt. I was a victim of the national data breach on XXXX Credit Bureau and I believe this is how my information was exposed. On XXXX XX/XX/XXXX, I filed an Identity Theft Report online with the Federal Trade Commission ( FTC ) and the local police department. I also disputed this activity with the ONLY credit bureau, XXXX that was reporting this fraudulent activity. What's strange here is I encountered this same fraudulent activity on XX/XX/XXXX by XXXX for the same amount of {$1600.00}, but it was trying to be collected by a different collection agency ( XXXX ). A clear giveaway that this data was fraudulent was the email address used to open the account : XXXX. I disputed this with XXXX and it was deemed to be fraudulent and it was removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Block, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX my daughter sent me {$270.00} via cash app I elected to have these funds directly deposited into my account instead of an instant deposit. I called on XX/XX/XXXX because funds have not been received I spoke with a representative that stated they could see the funds and they would be available by the end of the day. On XX/XX/XXXX funds had still not been received I called cash app and spoke with several reps via chat each one gave a different story the first representative XXXX stated that they are not showing a pending deposit, the second representative stated the same so I called I was then told that the funds would be available XXXX I asked how this was possible because friday XX/XX/XXXX is a holiday. I than asked to speak with a manager and was hung up on. I called back again and spoke with another representative that stated the funds would be available today when I asked about getting a refund to the sender and how they could go about doing so he told me he could not provide me with that information and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Today XX/XX/XXXX I received the outcomes of XXXX disputes that were reversed for the XXXX time to the merchant. These disputes were filed in XX/XX/2022. They were for XX/XX/2022 and XX/XX/2022. I filedXXXX disputes in XX/XX/2022 against the same merchant. I have had XXXX disputes ruled in my favor. So dont know how I still have XXXX left. I called them today to reassert XXXX of them. I have never received the receipts for them. I have called 5 times today and either was transferred and put on hold for half an hour or longer and no one would pick up so I had to keep calling back. Finally they answer and they are unable to send the receipts. Worst customer service ever. I have sent every time that I have reasserted these disputes the same evidence that I sent for the XXXX that was ruled in my favor. The evidence was good enough for XXXX so what is the problem now? I know its called harassment, maybe revenge? I am sick of this mess and have been dealing with it for a year now. You owe me {$17000.00} from the disputes that were ruled in my favor. My account has never been credited for all of them. Take the money for these last disputes from what you owe ME. You are the most corrupt bank I have ever seen. You will not get another dime from me. I did not authorize any of the disputes and I never gave that merchant my card number, password, PIN number or CVV number. I dont use Face ID or fingerprint ID. The IP address on the merchants evidence is not mine. I have sent you proof .Your bank authorized these transactions on a name and address!! I have researched this merchant and they are corrupt and are located in XXXX the most corrupt company in the world. You need to be shut down from your corrupt business practices. You have thousands of complaints for the same reasons that I am having. You are ruining the Apple name. You do nothing but lie and steal from the consumers. I will fight this till the day I die. I dont give up easily and I DO NOT PAY FOR FRAUD. I demand that these disputes be taken to XXXX Arbitration.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am the recipient of direct XXXX  from Huntington Bank. I have a high net worth, high credit score, mortgages with plenty of money in the bank and no missed payments, overdrafts or late fees. I am a model customer that any bank would be proud to have. During a closing for a business building, I was asked in a rather snarky manner from a XXXX Huntington bank closing person if I was there as a security person, in front of my real estate agent and others in the closing meeting, which was inappropriate and directly XXXX since I am XXXX American. Within 30 days after this encounter, I received several letters from Huntington Bank in XXXX, OHIO informing me that my business accounts, personal and savings accounts would all be closed. Upon follow up phone calls, I was told NOTHING! I did further research and I can see that Huntington Bank has called the police on XXXX customers trying to cash checks, have denied loans, talked poorly to XXXX and have discriminated against XXXX Americans. This is unacceptable, and I am in the process of filing complaints with the Federal Reserve. XXXX Huntington Bank! 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: 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 these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to dispute certain accounts that appear on my credit report, which I believe to be fraudulent. I request that you investigate and remove them from my credit report, as they are not valid and do not belong to me. I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthinessXXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. Please remove these accounts ASAP.

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