BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX XXXX/XXXXN in credit company complaints me, because I have not paid, the amount is {$1300.00}, and close my XXXX XXXX CARD account, and in XX/XX/XXXX updated complaints, I am XX/XX/XXXX through XXXX repaid the {$1300.00} telephone customer service, the use of XXXX XXXX debit CARD, bank have been generated to make records, and payment is successful, but I have not received any receipt, and credit report has not updated, or reality I outstanding arrears. 
Most importantly, from XXXX to XXXX, I have never been informed that I have money ( no mail, EMAIL, CALL ), and I have been complained.They shut down the account of the XXXX STORE CARD, so I can't query the status, and I forgot the account number. 
I found out that I was being sued by the credit report when I applied for the car loan, and I still have the outstanding balance. 
The important thing is that I always maintain my contact information at XXXX : phone number, address, EMAIL is new status. 
But neither XXXX nor XXXX has notified or contacted me. 
They just complained about me, and generated the arrears, and increased the fine, but didn't notify me, so that without my knowledge, my credit was seriously damaged. 
I am willing to pay back the debt, but the two companies shuffle, and when I contact the phone customer service, there is no XXXX translation, and often broken line, the customer service staff attitude is bad. 
Now I have paid the arrears, but they did not update the complaint, nor did they give me the receipt.My complaint is that the two companies generated complaints and fines without my knowledge and seriously hurt my credit.The important thing is, never contacted me and told me about it.

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 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX Balance : {$3600.00} ; 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-03-09
Company: TD BANK US HOLDING COMPANY
State: CA
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 my rights have been violated : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
Iam a victim of Transunions inquiry issue XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XX/XX/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 explanation
Consumer complaint received 2021-02-06
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, a health club in XXXX New Jersey went out of business during the pandemic. They closed the gym for a period of time so I canceled my membership. And stopped the reoccurring payment on my credit card. 
XXXX XXXX, another fitness club moved into their space once XXXX XXXXXXXX was shut down. 
XXXX XXXX  now claims that I owe them for membership dues of {$140.00} I have no business or contracts with XXXX XXXX. Im not going to nor have I gone to a gym because of the coronavirus event. My credit card was reoccurring payment was canceled when XXXX XXXX  went out of business. XXXX XXXX  continues to try to collect this debt which I do not owe to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 XXXX  and 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: Chime Financial Inc
State: CT
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:
I ordered a product through XXXX from a 3rd party company called XXXX, according to the company the product wax delivered. However I never received the product. I contact Chime who my prepaid credit card is with. They opened a claim on XX/XX/XXXX for the amount of {$97.00}. On XXXX the company XXXX sent a email stating the issued a refund. I never received the money back into my account from Chime. I received out to the company again who stated this morning that they refund my money, I just got off the phone with Chime who still hadnt refunded me my {$97.00}. I provided them with emails from the merchant stating they issued a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: INDUSTRIAL AND COMMERCIAL BANK OF CHINA (USA), NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/2023, Industrial and Commercial Bank of China ( USA ) , National Association closed my XXXX XXXX XXXX XXXX Card without any notice. I am not able to log into my account or use my credit card any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am writing you to inform you that under the F.C.R.A Law XXXX XXXX XXXX failed to notify me at least 5 business days before they reported negative items on my credit report for the month of XX/XX/2019. By law whenever a creditor decides to put a negative account on your credit report they have to notify you at least 5 business days before and they failed to do so. XXXX XXXX XXXX  failed to follow the F.C.R.A regulations on when they are reporting negative items on my credit report. They have to be compliant, accurate and specific at all times when they decide to put any negative accounts on my credit report. Under the F.C.R.A Law they failed to provide these notices to me. A failure to notify is a failure to report accurately and also a failure to comply. 
Because they failed to notify me, it is an obligation to remove these items, its not a dispute in this, its a fact under the F.C.R.A Law and this negative items must be removed. Also under the F.C.B.A they failed to provide me with an accurate and up to date balance the month they reported this negative item. How do I make sure that the balance wasnt modified or misrepresented at that time causing these accounts to be late?? In reference to this I would like to see up to date balance from this specific month and how it was justified to be late. How can I be sure that my account was late at those times or if this was a calculations error? I dont have the details, so Im asking for whatever evidence or documentation that they have under compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 23rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I have misinformation regarding collections on my credit report that i repeatedly said it was not mines and I have no knowledge of these its on XXXX XXXX  XXXX, XXXX XXXX and XXXX XXXX which had information on there I dont even know or ever possessed. I sent disputes letters several times and the last 3 by certified mail and according to the FCRA 15 us code 1681 68021681-c and especially 1692 g these accounts need to be removed and not constantly verified and updated. Its been 4 times this has happened and there was not a proper investigation with 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 2023-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They closed my account back in XX/XX/2022 and have still been charging me cash advances fees when Im not taking out cash advances fees. After my account was closed I still tried paying monthly payments but that monthly payments are still getting deducted from cash advance fees when Im not taking cash advances

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This all started when my wife was opening new service in XX/XX/2022 from XXXX for our new address. When I spoke to a representative, they stated I owe {$980.00} for service in Georgia USA. I explained we don't live in Georgia nor have we in the past. I gave the representative all of my current information as well as my personal information for verification purpose. However the representative stated I still owe for an account I did not open, and this is fraudulent. I asked the representative if they have identification on file and they said yes. 
They called several times requesting payment and tried to withdraw funds from my credit card for the past amount due from someone in Georgia. 

Yesterday I received a letter from XXXX. XXXX XXXX stating I owe {$4100.00}. 

This is illegal and I should not be charged or pay for something I have no knowledge of. I explained this to the representative, however they were not interested in hearing what I had to say. They wanted me to pay for someone's else bill.

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 2021-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021, I checked my Available Balance in my Bank of America checking account - using the Bank of America mobile and web apps - at approximately XXXX PT. I confirmed that there were sufficient funds to cover an impending withdrawal of {$2400.00} from a check sent to my landlord. 

I later confirmed that the {$2400.00} in funds was withdrawn successfully from my account, with plenty of available funds, leaving {$290.00}. This is still documented on my account, as documented in the attached screenshot of the mobile app. 

The following morning, despite more than {$4100.00} being deposited into the account, I learned that the check was " returned '' and an overdraft fee of {$35.00} was charged. 

After speaking with several representatives at the bank, XXXX ( XXXX ) confirmed that the bank erred in several important ways, and is clearly misleading customers about their available balances. XXXX confirmed that she would file an internal complaint on the following issues, and I stated that I would do the same. 

These issues are : Mobile and web apps - The bank 's own apps are providing incorrect and misleading Account Balances. The bank claims that, only on the web app, there is a separate area of the app that shows which checks have " posted '' and therefore, what the actual account balance is. This is incredibly misleading to average consumers, such as myself. I have been a customer of this bank for more than a decade, and this has never happened before. I have attached a screenshot which confirms that {$290.00} was remaining in the account after the check was withdrawn, proving that the check should not have been returned. 

Overdraft Fee - I was told that the Overdraft Fee can not be returned to me while " processing. '' XXXX confirmed that this is incorrect and she returned it to me. 

Overdraft Protection -My Overdraft Protection was linked to a closed savings account, yet I was not told this, so the checking account did not pull from the correct account when it needed to. XXXX confirmed that this is incorrect and misleading. 

Notification - I was not notified in a timely manner about the overdraft. XXXX confirmed that this needs to be corrected.

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 2023-10-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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. I never went to College and I am receiving letters and phone calls from the department of education for loan payments. I would like this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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 submitted a dispute with XXXX  on XX/XX/XXXX and the item was deleted on XX/XX/XXXX. Without any reason as of today XXXX this item has now reappeared with no notice or anything. 

According FCRA my consumer rights have been violated and I'm hoping that Consumer Financial Protection Bureau ( CFPB ), as well as the New York State Attorney General under the FTC. FCRA 616, 617, 621 can hold them accountable. I've asked them to furnish me all documents relating to the debt and so far I've only received a statement showing interest charges. How did they come to this amount? Initially the date was from XXXX it now appears on my credit profile as of XX/XX/XXXX which is also illegal. Someone please hold Portfolio Recovery accountable for there actions. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I am in the process of selling my home. This loan obligation was satisfied in XXXX and should have been removed from the title but wasnt so my title company has been working diligently to get a payoff letter of satisfaction from Regions. Their first request was made on XX/XX/XXXX. They were told at that time that it would be 10 days. When they did not receive a payoff within those 10 days they were told transferred around to various departments until they reached the loan department and were told theyd have the Payoff Letter in 24 hours. That was XX/XX/XXXX. By XX/XX/XXXX we still had nothing so I went into the branch and spoke with a Customer Service Representative who has been very kind and working very hard to try and get the Payoff Letter of Satisfaction since XXXX on XX/XX/XXXX. He had to make a request also through the loan department and was told wed have it within 24 hours. It is now XX/XX/XXXX, the day before Im supposed to close and we still dont have the payoff letter!!! This is holding up 2 closings at this point and needs to be brought to a quick resolution.

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 2020-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted 2 disputes without any resolution. I am disputing the following companies on my credit report that I do not recognize. 

XXXX XXXX XXXX  I disputed these on XX/XX/XXXX and a 2nd time on 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 explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: PA
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:
15 U.S.C. 1681 section 602A states I have the right to privacy 15 A.S.C. 1681 section 604A section 2 It also states A consumer reporting agency Can not furnish a Account without my writing instructions. 



In according with the fair credit reporting act convergent accounts listed under Equifax has violated my rights Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( 6 late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXXK XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments during Covid ) In according with the fair credit reporting act convergent accounts listed under XXXX has violated my rights XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6 late payments during Covid )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00}.

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