BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-26
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: Account information incorrect

Complaint:
XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX  XXXX Balance : {$6600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$1600.00} U.S. DEPARTMENT OF EDUCATION XXXX XXXX. Balance : {$760.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I spoke to 3 different representatives at Experian about four accounts that was included in a bankruptcy from XX/XX/XXXX and was already reporting correctly on the credit report. I had already took a negative hit on my credit when it was filed in XX/XX/XXXX. Fast forward to XX/XX/XXXX I received alerts from Experian that out of the 16 accounts that were included in the bankruptcy, 4 of them were reflagged as a Bankruptcy and marked in the payment history as if the Bankruptcy was done in XX/XX/XXXX. When that occurred it lowered my credit score from a XXXX to XXXX, ( 15 points ). Nothing else about the accounts have changed except for the dates and Experian marking the account as a new bankruptcy. I have evidence from two credit reports from Experian one dated the XXXX of XXXX ( prior to the new alerts ) and the report after the alerts showing the damage that it caused to my score. Experian has no answer but that the lender is the one that updated it but I told them that I wanted to file a dispute for the Information because it was no reason to update information that was correct. Attached I will highlight the accounts and the problem areas that are incorrect and was changed to hurt my score negativity.

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 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent Transunion dispute letters several weeks ago, via certified mail. Per the USPS tracking number, these documents were received by a Transunion mail sorter on XX/XX/2021. However, Transunion has failed to create my dispute and attach the supporting documentation.

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 2019-03-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Please be advised that I have attempted to resolve this matter with Synchrony Bank, but the Synchrony has been non-responsive and completely ignored any attempts at providing good customer service. I am upset that Synchrony Bank took extreme measures to ruin my credit, including not contacting me regarding the one late payment that I had on my account. 
Currently, my credit report is reflecting one 30-day delinquency for XX/XX/XXXX and one 60-day delinquency for XXXX of XXXX on this account. I am not disputing the late payment in itself, but I am very upset that Synchrony would not take the time to understand my circumstances and assist me with this matter. 
I opened a XXXX  XXXX  XXXX XXXX card in XX/XX/XXXX. I consistently made my minimum payments each month. In XX/XX/XXXX, Synchrony urged me to enroll in paperless billing and I did. I have consistently had both a monthly {$5.00} recurring charge and corresponding {$5.00} auto-draft payment take place on the account with minimal usage otherwise. On XX/XX/XXXX, I made a {$33.00} purchase that I forgot I charged to my XXXX  XXXX account and did not increase my automatic payment to cover this purchase. Synchrony assessed multiple late payments which caused this {$33.00} purchase to grow into a {$140.00} balance. In XX/XX/XXXX, I checked my credit report and only then realized that this account was delinquent. 

Synchrony Bank has all my contact information on file ( address, phone, email ) but never contacted me regarding this past due balance. According to the Synchrony representative that I spoke to, because I was continuing to make a {$5.00} auto payment each month and was therefore making monthly payments, Synchrony had no obligation to send me a notice. 
I immediately called Synchrony customer service line and explained the situation to a supervisor named XXXX in the XXXX, OH call center. She took all my information and promised that I would receive a response within 30 business days. That call took place on XX/XX/XXXX. To this day I have not received any contact or correspondence from Synchrony replying to my inquiry. 
This has ruined my credit and caused me immense mental and physical stress. As a loyal Synchrony customer who paid her bill on time each month, I do not believe that Synchrony should continue to cause me such mental stress and ruin my credit. Lenders such as Synchrony should not be allowed to prey on unsuspecting customers, ruin their credit and then refuse to provide them with good customer service. I request that any outstanding balance be waived and this tradeline either be removed from my credit report or be updated to show as never past due.

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 2023-01-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax will not be satisfied until I move forward with litigation so this will be the XXXX and final attempt in fixing this matter. XXXX XXXX is being reported as open which is inaccurate this account has been closed since XX/XX/2021 which you can find attached to this complaint. Since XXXX of 2021 theyve been reporting a past due balance of {$1100.00} which is also inaccurate this account has also been paid off XXXX XXXX which you will also find attached and can find yourselves in violation of XXXX XXXX XXXX XXXX XXXX, NO XXXX for inaccurate reporting as well as FCRA SECTION 623 for failure to report this account as disputed on my report as well as the same legal jurisdictions for failure to correct inaccurate information after being provided proof. XXXX XXXX is reporting XXXX late payments on my account which is also inaccurate and you can find yourselves in the same violations listed above as you all were provided evidence showing otherwise. However as neglectful as you all have been Im sure it has been overlooked and once again is attached to this complaint. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX are fraud and has been included in both a police report and ftc report. You can XXXX which violations you all have once again managed to pro-cur for reporting this information to my credit report. I expect the information above update or removed in accordance with the information I have provided thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Wells fargo told me there was an issue with my check, and they deposited my check of XXXX $ and did not return the funds to me after they closed my account. They also didnt provide proof that the funds were returned to bank issuing the check. 

Wells Fargo XXXX XXXX told me they needed a notarized lettered. 

I have provided a notarized letter from the maker saying this check is legit and sent to me Loss prevention then said they want their makers bank to file a claim to get the funds back. 

the maker called their bank and their bank says they cant file a claim on a cleared check Please tells Wells Fargo to send me the funds back

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 2023-01-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the accounts on my credit report were incorrect when I reviewed them. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be investigated and corrected 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 2020-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2023-01-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are several accounts still reporting on my credit file that doesnt suppose to be there. I disputed prior and didnt receive information I requested. I would like the followed accounts disputed and removed immediately. After disputing please send me the source and the method of verification showing the date and time the account was verified. Also include contact information on the source of verification for the following accounts : XXXX account was suppose to removed XXXX agreed that this account would be removed due to it being inaccurate XXXX XXXX inaccurate account, account was suppose to be removed last year for inaccuracies XXXX XXXX - there were unauthorized charges in this account and XXXX was XXXX of it and a police report was sent. All of this happened prior to XXXX buying this account in 2022. XXXX never verified that they owned this account either. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Nordstrom 's XXXX Credit Card, Account # XXXX. I had some fraudulent charges on the card, timely notified Nordstrom, who issued me a Credit and a Replacement Card. 
Although I have a replacement card, Nordstrom 's will not activate the card until I forward them a valid State of Michigan Identification ; Social Security Card, and billing statement from another creditor. To expedite the activation, I sent all these documents plus my United States Passport to Nordstroms by next day mail, costing me over {$50.00}. They received it the next day, I  tracked the package through the Postal Service but did not even look at the material to update my card for several weeks. I also went into their local store in XXXX, Michigan, met with the head of their financial service office in that store, gave her a copy of my Idnetification, Social Security Card, United States Passport, and billing statement from another creditor, XXXX XXXX. She called their main office with me present, who she could obviously identify as she has picture identification, and me present so she knew it was me, and Nordstrom continues to refuse to activate my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX someone called the credit card company for my XXXX XXXX mastercard, Synchrony Bank. This person verbally changed my address over the phone to a fraudulent  address in another State ( Indiana ). Synchrony Bank did not notify me of this change until 12 days later via a letter in the US mail. I was notified on XX/XX/XXXX by XXXX that there was an address change on one of my credit reports. That is how I found out about it XXXX days later. When I spoke to someone at Synchrony bank on XX/XX/XXXX, he told me that this person used my credit card number and the 3 digit code on the back to identify themselves as me. He said this was all they required for identification. I find it hard to believe that is all it takes to ID someone, but it is what I was told. Any store, or restaurant I hand my credit card to will have that information. I asked Synchrony bank WHY they did not notify me via email that there was a change on my account, and he said they can not do that. I get email notifications for payments, statement, amount due, etc, but they can not email me when the address has been changed. WHY NOT? No answer. I cancelled the account. The fraudulent address was reported to two of the three credit reporting agencies. With the fraudulent address on my credit report, the thieves can request a copy of my credit file to that address. This careless, incompetent and neglectful act from Synchrony bank has exposed me to all kinds of identity theft and financial ruin. It has been six months and I am still dealing with this. One of the credit reporting agencies did NOT remove the fraudulent address from my credit file, even after I received a confirmation letter from them stating that the address was deleted on XX/XX/XXXX. That is XXXX by the way. I already have another complaint on file about that.

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 2018-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have been a long-time customer of Chase for 8 years plus. Perfect credit and never missed a payment on anything in my life. I received a notice that Chase is raising my interest rate on my Chase Freedom Card from 14.24 % to 16.99 % APR because my rate was lower than the current lowest offerings? So they are raising my rate just because they want to raise my rate not because of any real necessity. I'm being punished for having excellent credit, never missing a payment on anything in my life, and maintaining an account with Chase for 8 years plus. This was not a standard APR rate increase, it was an intentional rate hike of over 2 % just because Chase wants to squeeze as much money as they can out of their existing customers regardless. I called Chase to ask what the specific criteria was used for the rate increase on a customer that has never missed a payment and has been a customer for 8 years plus. Chase customer rep couldn't answer the question and gave me the run around. Why should anyone bank with a bank that punishes longtime customers just because they can get away with it?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX, XXXX, XXXX  and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT 600. On my Wells Fargo reply, it said my credit score is XXXX. And the other people said my credit score is past -1200!!!!

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 2018-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Their investigation did not fix an error on your report

Complaint:
I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Bank of America with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX and XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus.

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 2019-03-05
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AdAstra violated the FCRA and FDCA by not VALIDATING the item in the REQUIRED timeframe. I asked for a validation of the debt, not a verification of the debt. Verification is what this company is continuing to provide and Third Party Debt collectors are subject to VALIDATION of debt. AdAstra just provides a 1 page letter with a balance due, they are not providing the documentation that I have requested to validate this debt. I requested that the debt be validated, which it never was and as a response to this validation request, I continued receiving balance statements. I repeated the investigation was never completed and the documentation requested was NEVER sent to me. I requested an initial validation of debt which included all relevant account number ( s ) as well as specific information that is compliant with a reasonable investigation. Those items were the original contract which is bilateral and this contract will contain my original signature as well as the other party original signature, proof that this debt originated from my social security number and address with proper identification and Full audit compliant accounting on the balance AdAstra is claiming due, and Proof that they are authorized to collect on this debt, is there an agreement between you and the alleged Original Creditor? This information which the company has admitted to sending ; is NOT validation compliant. Ad Astra, has yet to forward the following information, which was requested in the original request for investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XXXX I hired " XXXX XXXX '' to dispute collection charges from XXXX XXXX XXXX collection companies who both alledged that I owed " XXXX '' {$750.00} for a device. After paying XXXX XXXX several hundred dollars all three major bureaus reported " no open collections '' that same year. Then XX/XX/XXXX the same XXXX accountant was in collections again with XXXX, XXXX XXXX XXXX  FOR THE SAME AMOUNT OF MONEY! 
I HAVE A DOCUMENT FROM XXXX VERIFYING A " XXXX '' ( XXXX ) BALANCE!!! 
THIS FRAUD HAS DAMAGED MY CREDIT SCORE WHICH IS OURRAGEOUS!!! Two bureaus ; Equifax and XXXX removed the derogatory and fraudulant report in XXXX but XXXX  who XXXX XXXX supposedly works with the easiest, according to the paralegal I spoke with, JUST FINALLY REMOVED IT TAKING LONGER THAN 60 DAYS!!! I was in the process of procuring a loan and this fraudulent reporting damaged me financially!!! It is not enough to finally remove the collection report which was fraudulent because I WANT MY CREDIT SCORE BACK THAT I HAD LAST YEAR BEFORE THIS DAMAGED MY REPORT! Also, I believe XXXX XXXX dragged their feet with XXXX who the repeatedly told me they work closely with just to keep charging me a monthly fee. Please investigate them as I want my money back as well as my credit score from before all this damaging and fraudulent reporting!

Company response to consumer: Closed with explanation