BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Attached is the image of unauthorized inquiries on my credit report with all credit bureaus. 

The unauthorized inquiries are : XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX Inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 XXXX - Card Service inquiry from XX/XX/2021 XXXX  XXXX inquiry from XX/XX/2021 XXXX - Auto Finance inquiry from XX/XX/2021 XXXX inquiry from XX/XX/2021 XXXX XXXX XXXX XXXX inquiry from XX/XX/2021 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 2021-07-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-02-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I believe SYNCHRONY BANK violated 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. In my case SYNCHRONY BANK revoked my credit. Shown in exhibits.

I believe SYNCHRONY BANK is civilly liable for their action 15 USC 1691e ( b ) Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a ), except that in the case of a class action the total recovery under this subsection shall not exceed the lesser of {$500000.00} or 1 per centum of the net worth of the creditor. In determining the amount of such damages in any action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. Shown in exhibits.

Fact, SYNCHRONY BANK did not get authorization from me the original creditor pursuant to 15 usc 1602 ( g ) to close my account and take my credit away pursuant to 15 usc 1602 ( f ). I believe the credit grantor/debtor does not have the same authority as the original creditor. Shown in exhibits.

Fact, SYNCHRONY BANK violated 15 usc 1602 ( p ) unauthorized use of my credit card which is my social security card 15 usc 1602 ( l ) because I did not benefit from the consumer credit transaction that I authorized on XX/XX/XXXX. I believe SYNCHRONY BANK is criminally liable for their actions pursuant to 15 usc 1611 ( 1 ) willful and knowing the original creditor did not give authorization to close account. Shown in exhibits.

This is my second affidavit of truth being served to Synchrony Bank my first affidavit has been ignored. File uploaded will include my first and second affidavit.

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 2021-09-02
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Settlement Statement Document with U.S. Department of Housing and Urban Development indicate my home were sold for {$220000.00} and it show that my mortgage loan with XXXX XXXX XXXX Payoff in the amount {$100000.00}

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 2019-10-31
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
I WAS SUED IN 2011 FROM XXXX XXXX XXXX FOR TWO XXXX  XXXX XXXX CREDIT CARDS..NOW THIER IS 2 JUDGEMENTS. THESE ARE LISTED IN BK. 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 2020-11-22
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I frequently review my credit reports ( XXXX, XXXX, XXXX ) in XXXX, I noticed I had a collections Neg report. I had never received any Letter of Demand for Payment from anyone. As I investigated this issue, it was from my former place of residence. I didn't renew my lease for XXXX-2XXXX. So my move out date was XX/XX/2020. I cleared the apt and the location with a XXXX balance. I filed a dispute with XXXX, and within 2 days, the negative report was removed and credit score was restored. Not so lucky with the other 2 credit reporting companies. I have been in dispute with them since XXXX After their investigations, they respond with ( information reported is correct ) which is not. So XXXX XX/XX/2020, I mailed Transworld Systems Inc, a detailed letter with proof I didn't owe any money. ( bank statements covering the dates in question ). I have yet to hear from them. I am still filing disputes about this Neg credit mark. The basis for this ( Payment Due ) $ XXXX is for utilities not paid for XXXX/XX/XX/2020. The utilities are included in the monthly rent of $ XXXX. That being the case, If I hadn't paid my complete rent, Management would have notified me of partial payment and sent a letter of demand or an eviction. I paid my rent on time every time for 5 years. This is just total nonsense, that's probably why the entire staff was fired. This needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: AMERICAN EXPRESS COMPANY
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:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: MS
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:
I have disputed all inquiries on my credit report, I have notified every credit bureau & the companies of each credit inquiry. I have put a fraud alert on my accounts and yet inquiries still keep popping up on my credit reports with Equifax. I have disputed by mail and over the phone on several occasions & Equifax doesn't seem to want to stand by the FCRA rules. Upon further research & investigation both XXXX & XXXX removed all disputed inquiries. I don't believe that Equifax has done any investigating into this situation at all. I am asking Equifax to abide by the laws & delete the unauthorized inquiries. I do not want to have to take Equifax to a small claims court but it's looking like that's the direction they are wanting to go in. I want these unauthorized inquiries deleted off my credit report & I'm going to do whatever needs to be done to get my results. I did not authorize any of these & it's damaging my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, i was charged {$230.00} for wrong hotel services. I checked into a hotel XXXX XXXX, when I checked in, i paid with credit card, please note, I did not see the inside of the room yet. When I went to the room, it was dirty, smelled and wreaked of urine. I walked in and immediately left the room and told the XXXX I refuse to stay here. They said I already paid, I had to stay and my money was non refundable. I left the hotel immediately and told them I would dispute the charge. I never stayed at the hotel, I checked in and immediately left the hotel premises. I want to dispute the charge, its a false charge and Bank of America needs to correct the problem. Condition under dispute is Condition 13.1, Condition 13.3, Condition 13.5, Condition 13.7 ... .. all conditions I would like to dispute the charge under.

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 2020-09-14
Company: EQUIFAX, 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 information incorrect

Complaint:
I do NOT owe anything on this XXXX XXXX account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: AZ
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:
Went to Free Annual Credit Report to get my XXXX  report. Once I had the report, no issues there, I tried to use the link in the page to purchase my Credit score. The site would not accept any of my credit cards and after a 3rd attempt provided a pop-up window with a phone number to get the issue resolved. 

I called the provided number and ended up speaking to a CSR who would not listen to what I was actually telling him. He then told me he needed to collect more information and only after he had the information did he tell me he was building a profile with Experian! Now, He didn't ask if I wanted to do this, I thought he was going through a verification process. Why he would need to build a profile to provide the credit score material that I was asking for was beyond me. Finally, thirty minutes later, he asked me to try to do exactly what I had done to be directed to him in the first place. I tried and it still wouldn't work. As soon as I clicked the link it took me straight back to the phone number I had called to get in touch with them in the first place. Didn't even try to go to a place where I could re-enter my credit card information. So he tell me I have to call another number, XXXX and that is all he can do for me. I ask for a supervisor. 

After another 20 minutes I finally get to a supervisor and get the same runaround. He tells me that the only way to get my score is to buy the credit report and score combo for {$14.00}. I say, no, I already have the credit report I just need the score. Much more XXXX   about that product not being available. If it isn't your product then why would you collect my information? If it isn't your product why would the EXPERIAN site have the pop-up phone number for this supposed help line? No answer. I give up in frustration and decide to call the other number they gave me. Disconnected or not in service. So they won't help and they deliberately direct me to a number that is not in service.I even asked them to just sell me the product I was looking for and they wouldn't do it. Now I have nothing but a lot of wasted time. Completely useless and these are the people that are supposed to be trusted to collect and provide accurate information for 320 million American 's to keep our financial systems running strong?

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 2021-04-27
Company: LEXISNEXIS
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: Old information reappears or never goes away

Complaint:
My name is XXXX XXXX and in XXXX I had to file Chapter XXXX. It was the only way to save my home, I am the only person working in my house. I have children and my wife to provide for. I do understand that my credit has to undergo the worse scenario, but I know time heals. My insurance went up like crazy due to a report received by LexisNexis Consumer Center in XXXX. I understand that, but around XXXX my credit started to get better and better. I opened new credit cards, my mortgage payments were on time, I had a stable job, etc. I noticed that my car and house policies increased in price. Then, at the end of my policy renovation, I saw an explanation from my insurance company with the reason why my policy was going up in the first place ( due to the report from LexisNexis ). My agent told me to contact them and see if they can fix the problem. I contacted them and they sent me a huge report with my credit history, saying that there is nothing they can do because my record was updated at that time. I was saddened and upset by the situation. All I thought about was if it even was possible to fix this situation, eventually, I let it pass. 

Today, I rechecked my policy renovation and again I noticed the same negative report of my credit history. It demonstrated the same misleading information that was supposed to be fixed. I say that because I have an account with XX/XX/XXXX the credit bureau, which monitors my credit. I also protect my social security and as well as my family 's. My credit now is very different from what it was in XXXX and even in XXXX. I realized that I had to converse with the customer representative from my insurance company. I spoke to the underwriter and she told me that the employees from Lexis Nexis never updated my reports, even when I asked them in XXXX to do so. When I explained my situation to her, she decided to remove LexisNexis from my insurance policies, and right away my premium went down almost {$1600.00} per year. Again, she stated that this report never got updated since XXXX, but when I submitted a request to update my records, LexisNexis told me that it was updated, which was completely untrue. The damage done to my familial economy by this situation is inexcusable, simply because of the incompetence of this company. The company lied and never made my results up to date, which caused havoc and extreme difficulty to reestablish my family and I 's life again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I thank you, the Consumer Financial Protection Bureau, for looking into this. 

I am in XXXX XXXX, XXXX. I am up-to-date on my payments with Discover Student Loans. Every other lender I have has granted me " grace '' because I am XXXX Discover, through a potential arbitrary and subjective decision, has denied my XXXX XXXX status. Ok. I've argued every potential path and Discover has continued to deny my status. Ok, fine. However, I am not pleased with their subjective decision to allocate my payments to my past due amount to current amounts due. These current amounts due have already been covered.

Discover has sunk my credit 93 points. So sad. I have made consistent payments since XX/XX/XXXX and the minute I decide to contest, Discover decides to be unreasonable. Unbelievable.

Furthermore, I spoke with many Discover agents in the process to try to get deferment and a change in allocation. XXXX, a nice gentlemen, was very understanding to the situation. However, I was transferred to a gentlemen named XXXX out of the XXXX XXXX XXXX office. Very disappointed : he was very unprofessional, consistently interrupting me, extremely argumentative, and always called me " bud. '' My atty who was also part of the call, listening in, relayed the same : " very unprofessional. '' Putting this is writing so as to potentially pursue legal action. ' XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to disputes these debts since XX/XX/2017. Have sent letter by certified mail continuously with no response from either of the credit bureaus other than the account has been verified its mine. I have asked over several occasions please provide proof of verification, results from the investigation and where did the information from the investigation come from. I have contacted the collection agencies for proof or validity of the debt no response other than copies of statement for three random months that could be fake with my name on it. And the information is correct to any address I ever live. Also I asked the Bankruptcy to be removed stating that the FCRA states UP TO 10 years not the entire or exact 10 years it has to stay on my credit reports. It has been 9 years and 8 months. I'm a XXXX veteran and I suffer from XXXX and this is very bothersome for me at this time in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We had a mortgage through freedom mortgage and sold the property. XXXX sent the mortgage company an insurance refund on XX/XX/21. I called freedom mortgage multiple times asking them to release the funds to me within the mandated 20 business days. They finally issued a check to me 25 business days after they received the money ( XX/XX/21 ). I received and put this money into my bank account on XX/XX/21. On XX/XX/21 my bank notified me the check was bad, and i called freedom mortgage and they informed me they put a stop payment on the check and dont know why they did this. They now say they need another 10 business days to issue me another check. They had a exceeded the allowed time they are allowed to hold someone elses money by 3 weeks, which is illegal. I tried to resolve this with the company and ask them to get the money to me sooner and they said they could not.

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