BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-10
Company: SYNCHRONY FINANCIAL
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:
I found a fraudulent account on XX/XX/XXXX, for Synchrony Bank Pay Pal Credit. I notified them by phone on XX/XX/XXXX but they wouldn't make a claim because I wouldn't give them my whole Social Security number just the last 4 digits. I emailed them, sent them a hard copy letter demanding they remove the account with verification of my identity, a copy of my FTC.gov identity theft report, and police report number. I mailed the packet via tracked mail priority mail requesting they remove the false report within four days. I sent the same packet and a letter to each credit reporting bureau, and placed a freeze with all three credit bureaus. I started disputes with each credit bureau, and my packets were delivered on XX/XX/XXXX. I received a notice on my XXXX  credit monitoring that XXXX   dropped my credit score by 33 points on XX/XX/XXXX. I provided them with proof of my identity, proof of a fraudulent address used for the fraud account. Allegedly the fraud account was opened in XXXX, a delinquent charge off was made sometime in XXXX of XXXX, but there was never any report of this account by Synchrony until XXXX of XXXX. The account was never on my earlier credit reports. I have credit monitoring and monitor my credit all of the time. I am a XXXX   employee and have to maintain good credit. This could negatively impact my job. Synchrony has not responded at all, and I have two other Synchrony accounts in excellent standing. The credit bureaus are no help, and ignored the driver 's license I sent to verify my identity along with all the other documents I sent. This is a scam against consumers and synchrony as well as the credit bureaus should be held accountable for their actions.

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 2019-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 contacted trans union and advised them that I was a victim of identity theft I notified them of two accounts thats are fraud as well as inquiries that were not mine. I ask them to block those accounts and remove the inquiries it still has not been done. I provided them with a police report as well as a theft affidavit and they still treated it as a regular dispute the agent did not handle my request properly Im tired of being a victim of identity theft and having to call all day with no resolution I plan to take action against them if this is not resolved

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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-07
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I mailed a debt verification letter to Radius Global Solutions XX/XX/2023 asking to Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 
Verification that I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; the date the original creditor claims this debt became delinquent. 
As of today XX/XX/2023 I have not received a response. 

Sincerely 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 explanation
Consumer complaint received 2019-06-12
Company: Experian Information Solutions Inc.
State: HI
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 concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX , XXXX XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2021-09-21
Company: Southwest Recovery Services, Inc.
State: NV
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:
Around XX/XX/2021, I noticed a collection appearing on my XXXX XXXX XXXX Credit Reports from Southwest Recovery Service in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both XXXX XXXX Credit Bureau. I received XXXX XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by XXXX report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and XXXX credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. 

Thanks in advance

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: Navient Solutions, LLC.
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:
Sallie Mae/Navient listed me as a Co-Signer of a student loan and I never signed any paperwork. They told me that they wanted to list me as reference and they ended up listing me as a co-signer. The company name is Sallie Mae and the loan got sold to Navient. I have called multiple times a month and they dont do anything about the issue. I have been dealing with this issue for 13 years. I have sent a order to show cause that was issued by my attorney and they didnt answer to that document. This has caused my family and I financial hardship since it has been on my credit report and effected my debit to income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
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:
I am a victim of identity theft

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 2020-06-06
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts, nor did I authorize these companies to pull my credit. Please remove them.

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 2019-11-10
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX  XXXX knowingly allowed me to go o we my credit limit. XXXX  sold my debt to Rausch, Sturm, Israel, Enerson ... .law firm. 
I paid of {$10000.00} and they are after me for thousands of dollars of interest. I have been in negotiations with this law firm and they are ruthless. XXXX  is the only company that has not settled. 
They have called my work twice within an hour and sent a fax wanting to verify my employment. I called and have talk to the collections manager. His phone message states he will return the call at his convenience. No return call! Have emailed the collection manager and he finally emailed back and said he was in a meeting. 
They are rude and impossible to work with. I will have to try to get a loan from the bank. But I have lien against me. I have paid off all but the interest they state I owe. Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: United Shore Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was told that my loan interest through The XXXX XXXX was approved for 3.375 % using United Wholesale Mortgage and would close 3 to 4 days after signing. I signed the loan documents on XX/XX/2020. Several days later my loan was frozen and reworked with a higher interest rate of 3.875 %. The loan agent said she would make up the difference by sending me a cashiers check for {$1100.00} to make up the difference. 
I believe this was a bait and switch scheme

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There are a couple of creditors listed on my credit report that do not belong to me. Please remove them 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 2019-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
To the Capital One credit card department, I signed up for the Capital One Spark Business Visa to spend of {$50000.00} promotion and receive XXXX points. I made a few phone calls to Capital One customer service toward the end of the 6-month spending term. Over those phone calls I was given different information on each phone call. Except for one item. The fact that the full XXXX bonus would be earned. 

There were a few issues that led me to know that I met the spend & would receive the entire XXXX points : 1 - I didnt receive my credit card in the mail until XX/XX/2019, essentially the spending promotion should go through that date. 

2 - per the phone call on XX/XX/XXXX XXXX XXXX  EST with XXXX in XXXX Florida he stated, call in closer to the spending date to obtain more time to meet the spending requirement as that has been the standard & Capital One will give you additional time to meet the spending requirement. 

3 - XX/XX/XXXX XXXX XXXX  I called in to see where I was at for the spending. On this phone call the representative was calculating my current spend & she told me everything was alright & that I had spent enough money to meet the spending promotion. 

4 - The most significant issue of all though is Capital One did not provide a tool to properly track spending for the promotion for customers or the customer service representatives attempting to answer this question. Each time I called in the amount the representative gave me was different than what I was calculating at that time. They didnt have a tool themselves & were manually calculating the spend themselves. Which resulted in me understanding I had completed my spend per representatives directly telling me this. Moreover, when downloading to a csv file Capital One previously only allowed 60 days to be downloaded at a time, that makes the calculation process difficult. I now see that Capital One added the feature to download 25 months. I highly appreciate that. 

I will highly appreciate Capital One adding the missing XXXX miles to my account. 

I attempted to contact Capital One via mail twice & it appears they didn't even really read the letter I included above.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-09-21
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: Was not notified of investigation status or results

Complaint:
I have sent several rounds of dispute letters to the bureaus however I have not received any response until now.

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 2019-06-12
Company: EQUIFAX, INC.
State: HI
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 disputed the late payments XXXX XXXX XXXX XXXX  accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 XXXX XXXX XXXX, who is submitting this CFPB complaint upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}

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 2020-11-04
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My mother passed away and left the account to myself, my brother, and sister. My brother and mysekf went to the bank on XX/XX/XXXX to close the account but leave it in the bank. I received a note fro the bank that the account had been closed. That is true but the money had been left in the bank to split up between all three of us. I received another account statement days latter stating that the money had been removed by my brother and place in his bank. He said nothing about this to me. The money was not for him but to be split up. The bank was notified and they told me to contact the branch. My brother stole XXXX belonging to meXX/XX/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 explanation
Consumer complaint received 2022-01-07
Company: LEXISNEXIS
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:
My name is XXXX XXXX. I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
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: Their investigation did not fix an error on your report

Complaint:
Equifax upheld a debt, via XXXX XXXX XXXX, for XXXX XXXX XXXX, in the amount of {$16000.00} by way of fraud. 

The XXXX Judicial District Court found the debt was not owed, as well as the court documents submitted, to Equifax, including a Writ of Re-Entry, validating my dispute. Although the court granted permission to repossess my unit, I was denied re-entry. 

XXXX and XXXX has removed the debt, with CFPB ( file number XXXX, with the same parties ), referring my file to the FTC for enforcement.

I am humbly requesting for this debt to be removed as it was fraudulently placed on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX accordance with the Fair Credit Reporting act, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXXXXXX XXXX XXXX XXXX inquiry date XXXX, XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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