BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX, I used XXXX XXXX to send my son ( XXXX XXXX XXXX ) money ( {$1000.00} ) to bail his son out, I've used this company in the pass, ( NO PROBLEM ). When I asked him is he received the funds, the reply back from him was NO. So, I tried to backtrack and cancel the request, no trace of the money on my end or my son. We could not locate or find the money. XXXX XXXX about 2 days later, text us and ask what could they do to help. The communication was horrible, they would sent text messages, and REPLY back repeat-unable to contact you? It all sounded FISHY to me, so I filed a Fraud Complaint with the bank regarding my money. The teller informed me that it would take 30 days, i had copies the teller refuse to take, So, I FAX the copies to the Fraud Claims Dept. It's like they never took a look at the documents or question anyone At XXXX XXXX. Then before the 30 days was up they CANCEL the or CLOSED the CLAIM out. So, now I am without my {$1000.00}. It was like I never existed or came into the bank to file the complaint about this issue. I want my money back, they are federally insured, I am due that money it benefits I received from my late husband who served in the XXXX and was a 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 2018-05-31
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: Information belongs to someone else

Complaint:
XXXX XXXX and XXXX XXXX XXXX are reporting on all 3 of my credit reports they are fraud I have a police report and I have a Id theft affidavit Also fcra 605b states these accounts must be blocked within 4 business days since they are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom It May Concern : Regarding XXXX, XXXX, and TRANSUNION, I'm writing to you. Evidently, I've written you about this in a number of letters. They have disregarded my demands for some reason. 

My consumer rights are being violated by these credit bureaus. 
They broke both the FCRA and the CFR. Please see 15 U.S.C. 1666. ( B ). Another statute that is relevant to this letter is 15 USC 1681 ( B ), which stipulates that I, as a consumer, must grant you PERMISSION to provide information on my behalf. 

I have not yet given such authorisation to you or ( XXXX, XXXX, and TRANSUNION XXXX XXXX XXXX ). Additionally, in accordance with Section 604 of the Fair Credit Reporting Act, Consumer Reports may be used for any lawful purpose. in general Anything subject to subsection ( e ) XXXX billing error resolution. 


I've provided a copy of the tracking number below to demonstrate that I sent them individual letters for each credit bureau. 



Kind regards, XXXX : XXXX Without Prejudice, All Natural Inalienable Rights Reserved.

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 2022-08-16
Company: EQUIFAX, INC.
State: NV
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$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 2022-08-16
Company: Experian Information Solutions Inc.
State: KS
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 XXXX XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.

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 2018-02-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2017 i purchased a queen size mattress from XXXX XXXX located at XXXX XXXX XXXX in XXXX NC. At that time i was sold the mattress on a XXXX XXXX credit card by a representative named XXXX. We were told therd was no interest for 6 years as long as payments were made each month. No minimum due and we werd never given any form of terms of agreement for the credit issued by XXXX XXXX. All payments were made on time as we waited to receive our bill each month to schedule payment. Conveniently enough for XXXX XXXX one month our statement never arrived and we began being penalized with late fees and were informed that that we were gking to be charged 30 % interest which would also be retroactivated. Instead of risking damaging my credit and paying 30 % interest on a purchase we were told would be interest free for 6 years we paid off the entire amount at a financial hardship to us so we wouldn't have to deal with these con artist crooks anymore. They also sent us threatening letterd AFTER we had paid the entire balance of the mattress. Disgusting.

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 2022-08-16
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 information incorrect

Complaint:
XX/XX/2022 i sent several letters to creditors XXXX  XXXX {$820.00} {$640.00} {$400.00} XXXX  XXXX {$820.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX  XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX {$890.00} XXXX XXXX {$2500.00} XXXX XXXX  {$500.00} XXXX XXXX {$570.00} {$570.00} XXXX XXXX {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.

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 2022-08-16
Company: EQUIFAX, 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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, XXXX  XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # 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. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: DISCOVER BANK
State: TX
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:
On XX/XX/XXXX, I opened a Dispute on XXXX website with DISCOVER CREDIT CARD whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX in a XXXX XXXX, and still am until XX/XX/XXXX. I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX where I notified them of the crimes against me. Further, I included the XXXX  Court documents from XXXX XXXX XXXX Court in XXXX XXXX, XXXX where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. DISCOVER CARD and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my XXXX date. While XXXX all my accounts were assigned to the address in XXXX XXXX of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX XXXX except for 4 years I spent in a XXXX XXXXXXXX  during this term of XXXX ) and can clearly show this fact. Further, I am protected by the laws of XXXX and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-07
Company: Experian Information Solutions 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 status incorrect

Complaint:
I have repeatedly contacted experian regarding that an unverified account by XXXX XXXX XXXX be removed from credit report. They always respond saying the item has been verified. I specifically asked that the investigation be conducted manually as I objected the e-OSCAR system. I've asked for proof on how experian conducted their investigation and never received the proof. I am still waiting for the original document that shows I agreed to pay XXXX XXXX what they claim I owe

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 2018-02-16
Company: Alabama Housing Finance Authority
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a mailed letter ( dated XX/XX/XXXX ) from XXXX stating that my homeowner 's insurance policy had not been renewed, and that if not renewed, XXXX would purchase a policy for the house for an excessive amount. 

On XX/XX/XXXX I called XXXX customer support and was told to have my insurance provider ( XXXX ) send a renewal notice. I called XXXX on XX/XX/XXXX and requested the notice be re-sent ( they told me they had already sent multiple notices to XXXX. ) The representative from XXXX also found that my home loan number on file was incorrect. ( I am unsure of whether XXXX changed my home loan number, or if it somehow became corrupted on the insurer 's end. The insurance premium was paid out late by XXXX in XXXX and there was no misunderstanding about the loan number. ) The loan number was corrected and an updated renewal notice was sent to XXXX. I received in the mail a copy of this notice dated XX/XX/XXXX. 

On XX/XX/XXXX I called XXXX again and they said they had not received the new policy renewal notice. They once again asked me to send them another copy and I did so. There has been no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX  XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute the following information in my file. I recently received a copy of my XXXX  credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following credit inquiries are related to none of the aforementioned permissible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
A year ago   XXXX   I applied through   XXXX   XXXX   XXXX   for a bed after graduating college synchrony bank  finance  to me at a promotional interest rate that I never knew was going to increase I started noticing that my balance never got any lower I never purchased anything after that I called and found out that my interest rate was almost 30 % I spoke with a customer service rep and then a supervisor and was told it 's not going to change there is no way I would have financed through this bank if I had known that the interest rate was going to be so high

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 2022-08-16
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: Information belongs to someone else

Complaint:
This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX Inquiry Date XXXX XXXX XXXX date : XXXX Texas XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX, XXXX Inquiry Date XXXX, XXXX Date : XXXX, XXXX date : XXXX, XXXX date : XXXX, XXXX XXXX date : XXXX, XXXX XXXX  XXXX  XXXX : XXXX, XXXX  Date : XXXX, XXXX XXXX date : 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 2021-04-08
Company: Capio Partners, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I contacted XXXX XXXX XXXX to pay my bill in full. I was not in collections. My Bill was {$130.00} and that was withdrawn for my bank account via my debit card on XX/XX/XXXX. I was given a conformation number on XX/XX/XXXX after my debit card information with thruogh The girl handling the call refused to send a text to my phone, an email or a letter with the confirmation number stating I must write it down. So I wrote it down. On XX/XX/XXXX Capio reported a derogatory balance on all three credit bureaus, stating I own them {$60.00} dollars. I have NO CLUE WHERE THE EXTRA {$60.00} CAME FROM!!! This dropped my credit score by 47 points. I called them on XX/XX/XXXX and in the recorded phone call the girl said my bill was paid in full. When I asked why they would create a falsehood I was not given an answer. When I asked about the amount I was not given an answer. I was told it might be corrected in 30 days. So Capio knows that I am paid in full!!! Why is this OK for this business to create falsehoods on my credit report???? Why is this legal for this company to lie and drop my credit score for no reason, to actually lie about it and then take their sweet time to correct this? This will cost me a much higher interested rate damaging me financially or even resulting in a denial for a loan. How is this practice legal???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-08
Company: Durham & Durham, LLP
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Durham & Durham XXXX at XXXX are attempting to collect a debt that is not owed. I have made several attempts to resolve this issue, but to no avail. This medical debt was covered by insurance and financial aid. I am not sure why they are still trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CITIBANK, N.A.
State: MA
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:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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