BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-25
Company: SYNCHRONY FINANCIAL
State: MD
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:
I filed a recent complaint against Synchrony Bank with CFPB XXXX regarding Pay Pal always suspended my account. Synchrony Bank is over Pay Pal and I was sent a letter by Synchrony Bank that my credit accounts are in serious delinquency. I never requested a credit line increase with a Pay Pal Extras Master card. I believe the outcomes retaliatory because I filed complaints with CFPB that PAYPAL is conducting unethical practices and procedures. 
Synchrony Bank is misleading and fabricating to send me such a letter that I never request a credit line increase in a retaliatory manner to support PAY PAL 's deceptive practices of trying to enrich themselves by suspended my account maliciously. I had received another letter from PAY PAL on XX/XX/2020 suspended my account again. I will forward this information to the US Department of Justice, USTreasury Department, and FBI and State Attorney office for an investigation against Schrony Banks ' retaliatory, fraud ( that I request a credit line increase ) deceptive practices.

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 2023-01-24
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # 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 XXXXXXXX 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 explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions 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 noticed that there was an unauthorized hard inquires from XXXX XXXX XXXX on XX/XX/2018 on my Experian credit report that i did not make, i called Experian to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of Experian i get hard inquires things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from Experian or XXXX XXXX is working together using my info TO OBTAIN CREDIT.

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 2019-10-23
Company: Experian Information Solutions Inc.
State: CA
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
*I have a small XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX XXXX ) * I  now have a mortgage loan with XXXX XXXX XXXX for Refinance or Payment on or about XX/XX/2019, I submitted a Refinance application to XXXX XXXX  XXXX *There were derogatory, false reportings on my credit report, *I then submitted an application to XXXX XXXX XXXX , Up until now I was told my application was approved, * Today I received an E Mail from Mr XXXX XXXX he and Credit approval chief have denied my application *The explanation is at best confusing and supportive Evidence is being withheld ( ... due to applicant, guarantor and/or Sponsor historical Information ... ) *Under Marsy 's law I am entitled to restitution, under Brady v.Maryland I am entitled to my Full And final " Historical 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 non-monetary relief
Consumer complaint received 2018-08-07
Company: Continental Credit Control
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Continental Credit is reporting a medical collection from XX/XX/2008. There have been two concerning issues with Continental. First, Continental Credit did not validate this debt prior to reporting this on the credit report. We had insurance at the time and there was no bill that wasn't covered. Second, this is past the FCRA limitation of 7 years. This bill is from XX/XX/2008 if it is even valid. I have tried to deal with them but they refuse to respond to my requests. They just keep trying to collect this debt at all costs despite our objections. At this point it is past the statute of limitations, past FCRA limit on reporting, and violated the FDCPA by not validating the debt when requested, not respecting a disputed account etc etc. They state there is 62 months of payment history. Where do they get this kind of info?

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 2020-10-25
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
on XXXX XXXX a withdrawal of XXXX was taken out plus XXXX fee charge the next day XXXX, XX/XX/XXXXa withdrawal of XXXX was taken out my account twice the same day i called keybank and file a complaint and they said i would recieve a letter in mail and the denied me of refunding my money cuz they saying i was taking this money the last transaction i took out of my account was XXXX XXXX of XXXX and i have that recipt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-07
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
At settlement we, the sellers, were given a Payoff Statement and under 'Quote Detail ' there was Unpaid Principal, Interest Due, and " Fees Billed of '' {$5900.00}. We asked the company, Mr. Cooper, for a breakdown of those fees. They said it would take 2 weeks. I told them that one of their girls said she would have it in 48 hours. That was a week ago. That never materialized. In that " Fees Billed of '' we believe is a fee for XXXX ( 3rd party co. for Mr. Cooper ) for {$1500.00}. Mr. Cooper was supposed to register our property with our town when we got the mortgage 3 and a half years ago but they failed to do their due diligence and our property was tagged as a vacant lot by XXXX. We were anything but a vacant property. ( 4 bedroom house with a barbershop and a parking lot ). Several people I talked to at Cooper gave me different answers to the same questions. We are very suspicious of Cooper and believe they are trying to buy time to finagle the numbers. Even our title insurance co. is being very vague about the breakdown of fees. Honest Title Ins. was supposed to be working for us I presumed Apparently they are considering suing us because Cooper and XXXX XXXX worked out a deal where Cooper paid XXXX  's fees so they could turn around and sue us. For what? I'm not sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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: Card was charged for something you did not purchase with the card

Complaint:
A {$7500.00} dollar credit card was opened in my name through Bank of America which I did not authorize XXXX or XXXX of 2022. I have placed an active fraud protection to stop any charges that may occur.

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 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX , XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$2400.00}, XXXX XXXX Balance : {$1200.00}

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 2018-02-15
Company: Southwest Credit Systems, L.P.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was paying a collections company Definite for a bill from XXXX XXXX XXXX phone company and only had a one payment of {$110.00} left when they sold my collection to SW Credit Systems LP and they put on my credit report on XX/XX/XXXX for {$560.00} that was before I was to make my last payment after XX/XX/XXXX with the other company. That is XXXX they didn't let me finish paying them so it was paid off so they could charge me more interest and put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2023 @ XXXX My husband received an email approval for a new credit card under my name. We contacted our credit card company. We then completed a credit report for a 1 year fraud alert on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-07
Company: WELLS FARGO & COMPANY
State: MN
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:
On XX/XX/XXXX I checked my credit reports. Wells Fargo Home Mortgage shows me as being delinquent as of XX/XX/XXXX. Closed on XX/XX/XXXX, Permanent status Debt included in or discharged through bankruptcy chapter XXXX, XXXX, or XXXX. I did file bankruptcy and it was granted on XX/XX/XXXX. 

But I was not delinquent XX/XX/XXXX nor have I ever been delinquent on any payments. I continued to make the agreed upon monthly payments until XX/XX/XXXX. on XX/XX/XXXX I paid my mortgage in full. 

On XXXX I called Wells Fargo Home Mortgage to discus this issue. They said since I had not reaffirmed my loan they quit reporting it to the credit bureaus. I told them that was fine. But they needed to take off the delinquent report and say it was paid in full. 
She said she could not do that. When I insisted and said I filed complaints with the credit bureaus she referred me to their legal department. She tried to transfer me but cut us off instead. 
I called Wells Fargo back. Had to go through all the steps and information again. This person transferred me to the legal department. After being on hold for 10 minutes I was finally able to speak to a person. 
Again I had to explain the entire situation. He told me there was nothing he could do about it. When I insisted he informed me, I needed to write a letter detailing my request and what I wanted done. Also to include proof of everything and mail it to Wells Fargo Home Mortgage. 
I told him they had all the records and proof right there and it was Wells Fargo that reported the false information to the credit bureaus. He replied that the would not change anything until I mailed the letter with the proof. He gave me the address. I thanked him and hung up. 
I am a XXXX veteran on a limited budget. I can not afford to print and make copies of two and a half years of statements and pay the postage to mail all this to them. 
When they are the ones that falsely reported this 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 2023-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Bank of America loan application : Application No. : XXXX I applied online with Bank of America for a joint auto loan as a primary on a joint application to assist my son with purchasing a used auto. I provided both parties PII and entered my son 's information stating that he was XXXX XXXX of age. The application did not stop or notify that the loan could not be processed due to his legal age. The application was submitted online and declined due to the secondary being XXXX YOA. I called to request the application be reconsidered without my son. I was told that the application was reviewed by 2 lenders and the decision was final. I asked why I was not contacted by phone or email to consider dropping my son from the original application. I was told that I would easily qualify on my own with a XXXX XXXX  score. I again asked for the applilcation to be reconsidered or updated to include only myself. Again I was told that was not possible and that I would need to reapply. I asked if the same credit report could be used or will I be subject to a second inquiry in a 24 hour time. I was told the current bureau could not be used again. My complaint is why did the appllication allow me to submit if the secondary was not of legal age? Why did no one contact me to attempt to make the loan? Why wont BAC use the same bureau? Why BAC delete one of the inquiries which is impacting my credit rating due to excessive inquiries? I asked for a manager and was told that I would receive a call back in 24 hours? When you are in the process of buying a car, a dealer wont hold a car awaiting the bank to get back to me therefore the car was subsequently sold. I am an exisitng small business, personal banking and wealth customer with Bank of America XXXX XXXX XXXX  - a phone call to try to make the loan or advise me on my alternate options would be far more professional than an electronic Adverse Action letter with not instruction on how to try to make the loan. 


This is the message directly from the website at the time of the application : " Next Steps One of our specialists will contact you to discuss the details of your loan request. '' NO attempt to contact me was ever made.

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 2023-01-06
Company: Experian Information Solutions Inc.
State: IL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-02-27
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:
In accordance with the fair credit reporting act the list of accounts Below violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 15 U.S.C 1681 section 602 A 15 U.S.C 1681 section 604 A 15 U.S.C 1681 c. ( a ) ( 5 ) 15 U.S.C 1681 5-2 ( A ) ( 1 ) And Other U.S.Codes Each account is in the following attachments list in the Credit Reports

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 2023-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2019-10-23
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
on 3 separate occasions, Representative insists on confirming my address before telling me what company they are calling from and what the matter is regarding. The only response I get is its a business matter. only after they repeatedly recite my birthdate, and my social security number to me over the phone, I insist that I am unable to give out any more information and all attempts to contact me should be via mail with the adress they have stated on my file & or credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation