BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-29
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I do not have a signed contract nor any contract with SYNCB/AMAZON nor SYNB dated XX/XX/19 and XX/XX/19. I have never done business with this company to pull my credit report. I am not liable for the inquiries for Amazon nor XXXX XXXX XXXX   XXXX. I am not responsible for these credit pulls. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the 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 non-monetary relief
Consumer complaint received 2022-11-21
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: ENCORE CAPITAL GROUP INC.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Calling me frequently in the middle of the night most recently at XXXX XXXX XX/XX/XXXX. Waking up my baby. I told them to stop calling at those times and they still repeatedly did so

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11
Company: AMERICAN EXPRESS COMPANY
State: NY
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 have been an American Express card member since 1986. I recently received a letter informing me that one of my two accounts ( XXXX XXXX ) was under financial review. Bear in mind, my account has never been paid late, ever. In fact, American Express has increased the credit limit on the account twice, without my requesting the increase, in the past 12 months. 

I was asked to give approval for XXXX to access my tax return. What? There is absolutely no reason/rationale for XXXX to make this request. I refused to give XXXX access to my tax returns and my account was closed.I believe this act will unjustly damage my credit rating since I still carry a balance on a closed account. 

I also have a Platinum card with no credit limit and I have never been asked to produce tax statements. 

I would like this issue investigated for fairness and lawfulness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XX/XX/XXXX XXXX XXXX XXXX CT # XXXX XXXX, VA XXXX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX I need you to investigate the following XXXX XXXXXXXX {$240.00} XXXX  XXXX {$360.00} XXXX Dot XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). 
Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. 
Once you have finished your investigations, send me an updated credit report to the address stated above. Thank you. 

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 2023-03-03
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: Account information incorrect

Complaint:
TRANSUNION HAS DROPPED MY XXXX XXXX BY XXXX POINTS OVER NIGHT AND THERE IS NO CHANGE WITH MY CREDIT. THIS HAS HAPPENED TWICE WITHIN 90 DAYS. THE FIRST TIME WAS THE END OF LAST YEAR BUT THEY RESTORED THE SCORE ASAP. THIS TIME IT HAS HAPPENED AGAIN IN THE MONTH OF XX/XX/2023. This IS RIDICULOUS. ONLY XXXX CONSUMERS ARE HAVING THIS ISSUE. THIS IS SO XXXX.I CALLED AND I WAS TOLD TO FILE A COMPLAINT. THIS IS SO UNFAIR.THERE IS NOTHING WRONG ON MY SIDE. I KNOW THIS IS UNETHICAL

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 2019-08-14
Company: BB&T CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I thought with Reg CC changes under Dodd Frank we were supposed to get XXXX the next day on delayed availability. BBT only still makes XXXX available the next day. Is this legal? I dont think so.

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 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Early Saturday morning around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was attempting to take money out of an ATM. I saw that it was declined so I logged into Mobile banking, someone who was at the store where the ATM was said he could help and took my phone and sent himself money through XXXX. 

They sent themselves {$3500.00} from my XXXX account. The recipient 's name is " XXXX '' and the email is XXXX. The next day, I denied the transaction saying I did not authorize it and submitted a claim with my bank, Bank of America. They recently told me that they are unable to honor the claim, so I had to file a police report for fraud.

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 2020-01-22
Company: EQUIFAX, INC.
State: CA
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 pulled my credit profile for the first time in 6 years and seen many accounts that were not mine. I never applied nor seen any of these accounts. These accounts need to be removed. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are also some inquiries that I'm not aware of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the FTC and my local police.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
In XX/XX/2019, US Bank withheld {$10000.00} of my money when it decided to close my account. Three months later, on XXXX XX/XX/2019, US Bank decided to return the money to the originating bank ( my account at the XXXX XXXX XXXX  ) via two wire-transfers that equaled {$7400.00} and {$2800.00}. On XXXX XXXX, the XXXX XXXX XXXX received {$7400.00} from US Bank. The second wire transfer of {$2800.00} never arrived at the XXXX XXXX XXXX, and its location is unknown. Currently, the position of US Bank is that it is not obligated to take further actions, such as identify the location of the remaining {$2800.00}, because it believes it fulfilled its obligation when it attempted to send the two wires.

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 2019-10-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I'm XXXX and have had many home loans in my life. I have paid all of them off per the terms of my loans. I have one left, and that is my home equity loan with USAA who was servicing it in-house until recently when the transferred it to a disreputable company known as XXXX ( XXXX XXXX XXXX ). This company has been sued numerous times including by 3 states. 

I called USAA and asked them to audit my account because of the improprieties I was seeing with the balances. It appears that XXXX has begun calculating my interest daily which is not consistent with the terms of my loan. My loan is a 365/365 loan with interest of 6.34 %. They should be using the EXACT DAYS method of interest calculation, instead of DAILY interest. 

I have never taken out a loan that did not follow a standard amortization schedule of declining interest payments and increasing principal payments. I have requested the amortization schedule they are using, but have received nothing. 

Could you please assist me in getting resolution of this issue? I am very uncomfortable with the company USAA has chosen and not sure what is happening to the company with which I have placed 40 years of trust. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had this account! Ive already made previous requests to the creditors to send me documents that prove the ownership of this account but they still have not responded yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a letter from XXXX XXXX XXXX from XXXX Washington stating that I have been placed with their office for collection in attempt to collect a debt to PayPal. Which I do not have any debt owed to PayPal. I know that for a fact. And can prove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: TD BANK US HOLDING COMPANY
State: AR
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on TARGET/TD. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. There was definitely an error on their part. Here are the lists of the erroneous accounts reporting on my Credit Report : TARGET/TD XXXX Opened : XX/XX/2013 Balance Owed : {$1300.00} ; TARGET/TD XXXX Opened : XX/XX/2013 Balance Owed : {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an email from Bank of America regarding alleged debt but I didn't receive nothing via mail nor right to dispute the alleged debt. The email never stated that I had the right to dispute the alleged except to collect debt. 

I know my consumer rights which my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX advised me of.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 submitted a letter asking for the investigation report and never received one it has been more then 30 days and this is a violation of my rights

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 2023-07-13
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The following accounts listed below have reported to my account. I am unaware of these listed inquiries. Please look in to the listed accounts. Thank You, 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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
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 is missing that should be on the report

Complaint:
Transunion credit bureau is not reporting 5 credit card accounts on my credit report. 

They are : XXXX XXXX XXXX XXXX XXXX Credit Card. 
XXXX XXXX XXXX XXXX XXXX XXXX Mastercard. 
XXXX XXXX  XXXX XXXX VISA credit card. 
XXXX XXXX XXXX XXXX credit card mastercard last 4 digits : XXXX. 
XXXX XXXX credit card. 

All of these credit card accounts are open and in good standing.

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 2021-05-26
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have sent out a letter asking the credit agency to investigate the bankrupt that is reporting on my credit file, which they can back as the information is accurate and so I reach out to the credit furnisher and they sent me a letter back. and Experian would do anything about the wrong 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 2021-05-26
Company: Mountain Land Collections, Inc.
State: UT
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:
Mountain Land Collections is reporting a collection on my file that needs to be removed. I took a look at my credit file and noticed this debt reporting. I immediatley called and settled it with them. However, I was unaware of this collection and was never given a proper 30 day right to dispute. When I called and spoke to the person on the phone regarding a deletion letter they told me that I had to request for one in writing and I did so and never heard back. I'm not sure if they never received it or just ignored it. However, I have settled this account and am now asking that they please remove the account from my credit file. I am aware Mountain Land has the ability to remove these because they are the original furnisher. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 checked my credit report and found that some of the data were incorrect. The 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 2019-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem getting your free annual credit report

Complaint:
I went to XXXX to request my credit reports. Entered all the correct information ( checked it twice ). Its really not difficult. However, the website replied that they are unable to give me the report online. Is this a scam? I need the report urgently. I am not going to mail them my information so it can get lost or stolen. Why is this allowed to occur? I thought we were trying to help fraud and identity theft yet we can not help ourselves. Really a bad process.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX - This Account does not 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