BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
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 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. 

XXXX XXXX XXXX XXXX XXXX 150286****,, 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 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 2018-07-09
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Previous complaint number CFPB XXXX. I complained about a technical support issue with my checking regarding adding nicknames to my account. This has been an ongoing issue since XXXX of this year when the bank went with a new online system. I received a letter from XXXX XXXX XXXX dated XX/XX/2018 stating they are still working on the issue and have no ETA on fixing it. I believe I gave it enough time ( 3 months ) and the problem still exists. What can be done to speed up the process to have this problem corrected?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: Blackhawk Network Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
i purchased the " reload '' pack and verified the amount the day of purchase. 
I called to validate the amount loaded onto the card the next day and was told there was a XXXX balance. 
I was a victim of fraud and the company claims to not be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX INQUIRES : 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 2023-05-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am writing the letter on behalf of my amazon account being closed by Synchrony bank. I had never had a problem with Synchrony bank payments for 3 years until now. I even made large payments. 
After opening a new account with XXXX XXXX and setup online payments that's when i started having problems with paying my amazon account. 
And i was not aware that they would closed my account after two fell payments. 

I called in to Synchrony bank and spoke to a account manager, I explained the situation to the first account manager, she gave me credit and i guest she tried to fix the problem. but didn't. I called back in again and spoke to XXXX, about my account being closed and she did not put no complaint in. After acknowledging that she did not do anything. I called back in and spoke to XXXXaccount manager. He actually put in a claim. that when i called back in to check the results, Synchrony staff member claimed they deny opening my account. 

I had to provide my account to them to see if they were using the same account, and they wasn't. When i provided them with the correct account number, my payment went thru for {$550.00} paid on XX/XX/2023. 

my argument is they closed my account and i don't understand why they closed my account

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 2019-06-02
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:
On XX/XX/2019 I received my return certified mail receipt back through the mail. Equifax and XXXX did not do a thorough investigation of the accounts that I had disputed which include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was alerted through email that the investigation was already completed on XX/XX/2019. 

So, I am asking that Equifax and XXXX  under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list  of all documents and correspondence with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: COLLECTECH DIVERSIFIED, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For XXXXXXXX XXXX XXXX XXXX my hippa rights were violated my information was giving to a debt collector by the name of Collectech diversified which by the way are very rude and not helpful

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
It has been well over 30 days and I have not received a resolution or any communication regarding the previous complaint below : On my Equifax account under XXXX. Collections, it currently states " You do not have any collections in your file. However, when i go to XXXX. Other accounts, it lists under XXXX ) XXXX XXXX XXXX XXXX with account status collection, XXXX ) XXXXXXXX XXXX XXXXXXXX account status collection, XXXX ) XXXX XXXX XXXX, XXXX ) XXXXXXXX XXXX XXXX account status collection, XXXX ) XXXX XXXX XXXX XXXX account status collection ( this account does not list an account number ), XXXX ) XXXX XXXX XXXX XXXX account status collection. All 6 of these collection accounts are not only listed inaccurately under other accounts, one of the accounts does not even include an account number, nor do any of the accounts have the correct opening date or date of first delinquency. According to my credit report, I do not have any collections as stated under section 10. Collections. I also noticed under XXXX. XXXXXXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX account status is charge_off with a reported balance of {XXXX}. A charge off can not be listed with a past due balance, XXXX XXXX XXXX XXXX account status Charge_off, the date of first delinquency is inaccurate, XXXX XXXX XXXX XXXX XXXXXXXX account status Charge_off, the date of elinquency is inaccurate, XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX account status Charge-Off , the date of delinquency is inaccurate, the same applies to XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are also listed inaccurately under revolving accounts. The FCRA clearly states that information in your credit report must be 100 % accurate or the inaccurate items have to be removed per XXXX law. I demand that the inaccurate accounts listed above be removed in their entirety from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: SYNCHRONY FINANCIAL
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Synchrony financial and they charged a activation fee for my new account. I called about taking out a loan with them first and asked about an activation fee and the customer service gentleman said that there was no activation fees

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 recently pulled my free credit report and I noticed unauthorized inquiries on my report which led me to investigate further into these inquiries, someone has applied for 13 accounts. I have contacted the attached list of Creditors and informed them of this unauthorized use of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX XXXX Balance : {$2500.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-07-10
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I spoke with XXXX XXXX XXXX on today XX/XX/2020 @ XXXX XXXX and spoke with XXXX XXXX one of the managers ) and another manager who didn't want to provide her name. I've been asking for over 6 months for this company to dispute the amount is due with the original client which is XXXX XXXX  and they fail to do so. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX  to be exact ) and spoke with the property manageXXXX. She informed me she never received any type of dispute from XXXX XXXX XXXX At this point the CFPB should investigate and shut this company down by responding with false and fraudulent information. The managers admitted via phone they don't have any documentation stating they reached out to the property. I would like for this company to provide a response with the current date XX/XX/2020 documentation. My next step will be contacting an attorney and taking this company to court and letting the judge listen to the phone call from today XX/XX/2020 in which the supervisor admitted they don't have any documentation from XXXX XXXX  Also, I did not sign a lease with this company I would like to SEE MY SIGNATURE ON THE LEASE that signature on the lease does not belong to me. Its a computer generated signature its not my signature. I would love to take this case and file to court. I wasn't even in town when this lease was generated I was in XXXX, MN at the XXXX XXXX having surgery. Please provide to the CFPB a copy of the lease and a copy of my drivers license which shows my signature. It does not match because I did not sign a lease with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The school no longer exists due to fraud. Navient states the Board of Education is investigating the school. It has been over three years. No results. Navient does not recognize my forty years as a XXXX since I did not work for a public entity. My service in XXXX as a medical service specialist is not considered in this matter. I qualify for forgiveness in regards to my service to our country and community. I am unable to get a VA loan for housing due to the fact my credit has been disrupted by this company. I am now XXXX years old who reached no resolve with this monetary institution. 
At present, I am in forbearance owing a {$170000.00}. I am fighting XXXX XXXX and XXXX at this time. I would like to know my purpose here was worthwhile by serving our country and community. 
I appreciate your indulgence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: EQUIFAX, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my credit report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include hard inquires : 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 2019-06-02
Company: SYNCHRONY FINANCIAL
State: IL
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:
XXXX XXXX XXXX, SYNRONCHY BANK XXXX PULL MY CREDIT W/O PERMISSION.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2018-07-08
Company: EQUIFAX, 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:
Never my addresses : XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief