BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
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:
Dear Credit Bureaus, I am writing this letter to formally lodge a complaint against Equifax, XXXX and XXXX for their refusal to provide me with validation of a debt. Despite several attempts to seek validation of this debt, XXXXXXXX XXXX has consistently claimed that they do not have any obligation to provide me with such validation. 

It has been over 30 days since XXXXXXXX XXXX confirmed receiving my correspondence, and yet they have failed to provide me with any validation of their debt collection. I would like to bring to your attention that this is a clear violation of consumer laws that require creditors to provide validation of a debt upon request. 

According to the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request validation of a debt from creditors. This includes information on the original creditor, the amount owed, and any other relevant information. Failure to provide this information within 30 days of receiving the request is a violation of the FDCPA. 

In my case, XXXXXXXX XXXX  has failed to provide me with any validation of their debt collection despite my repeated requests. Instead, they have sent me transaction records, which do not qualify as validation of a debt under the law. 

I would like to inform you that I will file a small claim requesting {$1000.00} for defamation and willful injury if this debt is not removed from my reports immediately. I hope that you will take appropriate action against XXXX XXXX and ensure that they comply with the consumer laws. 

In conclusion, I urge you to take this matter seriously and ensure that credit bureaus stand up for the rights of consumers. It is important that creditors are held accountable for their actions and that consumers are protected from unfair and illegal debt collection practices. 

I have attached all correspondence as well as screenshots of the laws pertaining to Validation, They have also admitted that they sent my debt to a debt collection agency Violating my rights AGAIN by sharing my no public information without my CONSENT, or providing me any proof of signed disclosures saying I authorize these actions Violating the Gramm Leach Bliley Act! 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I have owned accounts by Synchrony Bank ( CareCredit card ending in XXXX, Lowes Advantage ending in XXXX ) for several years and have never missed any payments and they closed my accounts unfairly, which they have been on monthly autopay. I recently changed banks and added my new checking account to both accounts to make sure the payments were made adequately. I can prove the payments withdrawn from a XXXX XXXX account for several years as well as withdrawn from my new banks checking account. Within the past year the CFPB and XXXX found XXXX XXXX has engaged and tried to fault and tarnish my name and Im so thankful for the truthful investigation to resolve the proper resolution that the bank postponed for almost a year until you guys and the XXXX  stepped in. I tried view the payments history and they closed and locked the accounts in name, which I have been unfairly treated as well as been unfortunately discriminated against. The bank was found guilty with fraudulent transactions on my accounts, which led to an arbitration settlement. Now, as an honest and loyal consumer banking with XXXX XXXX over 15 years I decided to no longer bank with XXXX XXXX, due to the unfair treatment and dont trust my personal financial information with the bank. XX/XX/XXXX I spoke with Synchrony Bank and they have made allegations stating I had returned and missed payments, which I can verify on bank statements. When I tried to research the Lowes payment history I found several negative faults, but I assure you in honesty some information was changed. I think we need to check with the credit bureau as well, as Im confident the banks are distinctly targeting my reputation and credit. XXXX XXXX tried to ruin my score by taking a {$3000.00} limit card with XXXX XXXX usage down to only {$300.00} credit limit, which dropped my scores over XXXX points and unfairly treated me to tarnish my credit and borrowing capabilities. The CFPB and XXXX resolved that unfairness and angered the bank Im sure and my score has yet to gain those points back.,, Please assist and resolve this situation. Thank 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 explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting 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 have filed several complaints CERTIFIED LETTER and they still refuse to remove inquiries NOT AUTHORIZED/FRAUDULENT

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 2022-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
I am filing this complaint and asking for your help to help me. I a a victim of Identity Theft. There are accounts that are being reported on my credit file. One of those is CAPITAL ONE which was opened XX/XX/2013 with {$0.00} balance. I also have reached out the the 3 major credit bureaus and filed a dispute with them. This account is clearly not mine. I already have filed an FTC affidavit and a police report regarding this matter. I am attaching those documents I mentioned to verify and authenticate my claims. This fraudulent account is taking toll on my credit standing. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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:
XXXX XXXX XXXX XXXX This is completely inaccurate. 
XXXX XXXX XXXX This is not mine. 

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 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 2023-10-16
Company: EQUIFAX, INC.
State: KY
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 am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 non-monetary relief
Consumer complaint received 2019-06-28
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:
Unauthorized Inquires on all three bureaus

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 2023-11-17
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Issue with income share agreement
Sub-issue: Billing or statement issues

Complaint:
Good morning. 

I receive a loan to go to a film school. The amount of said loan was supposed to be {$12000.00} dollars. Unbeknownst to me the actual loan amount was {$18000.00} dollars with an interest rate of XXXX XXXX and {$5900.00} in what they call interest+fees. 

{$12000.00} with the interest rate of XXXX XXXX across 60 months or 5 years is a total of {$280.00} month. When I started i was paying $ XXXX {$140.00} up until recently. It has now jumped to {$350.00} a month. 

In order to have {$350.00} a month payments, the actual interest that is being dealt is XXXX XXXX. {$12000.00} across 60 months with an interest rate of XXXX XXXX is exactly XXXX. This is predatory lending and they are getting away with because people want to purse their dreams and goal in the college or educational programs and institutions of their choosing. This is blatantly illegal and not to mention blasphemous.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: IN
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:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 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 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 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I would like a review of my report to make assessments of the accuracy of the report. I have been encountering issues with acquiring 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 explanation
Consumer complaint received 2017-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX, XXXX we were taken in on an identity theft scam that had to do with a XXXX scam. While on the phone with the scammers my wife was also on her online banking account and saw fraudulent activity, debit card charges. She immediately hung up the phone and contacted the Bank of America and notified them of the fraudulent charges and notified them of the identity theft explaining what had happened. Bank of America stopped these fraudulent charges. She also notified our other bank XXXX XXXX XXXX XXXX who put a watch on our account and also all our credit cards were cancelled and new ones issued. On XXXX XXXX, XXXX at XXXX pst she was reviewing our BofA account and saw that a {$5000.00} wire transfer was pending. She immediately contacted BofA to stop this wire transfer, explaining again about the identity theft. She was told by them that unfortunately the transfer had already been made. We were put in touch with their wire fraud department and a claim number was received. We were told that if we heard nothing from them in 10 business days the money would be put back into our account. We heard nothing for several days. On XXXX XXXX, XXXX we contacted BofA again and asked the status of the claim. We were told that the first claim had gone to the wrong department and that a new claim had to be initiated, again with the 10 day stipulation to return the funds. As of XXXX XXXX, XXXX we had still heard nothing from the bank. After spending 4 hours on hold and getting bounced from department to department a representative from BofA fraud department stated that nothing was being done as this did not constitute fraud and we would not be getting our {$5000.00} back. I disagreed with them as this was clearly wire fraud and that we had notified the BofA on XXXX XXXX, XXXX of the identity theft scam, before the wire transfer had occurred. Any help in this matter is appreciated. The actual scam has been report to our police department. We have any account information, dates, times, BofA personnel we spoke with available should you be able to help us.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft. 
15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681b : A creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose. 
I have not at any time GIVEN WRITTEN CONSENT to publish late payments, so therefore I can only assume that the credit reporting agency has allegedly stolen my identity. I have enclosed a filed affidavit with the FTC. I want these late payments removed, deleted, or changed to reflect paid as agreed on time, XXXX immediately or pay a {$1000.00} fine per violation. 
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 2019-10-16
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage was transferred from XXXX XXXX  to XXXX/LoanCare recently. I paid my monthly payment on their phone system and it charged me approximately {$800.00} over the amount that I had been paying to XXXX. I called to find out what happened and they said it was to put more money in Escrow. I have never received any document that explained the increase and why it needed to be paid all at once. I have the bill for the month and it has the old amount on the bill. After I got them on the phone, the agent was unable to determine why the system billed me the higher amount and was not able to offer any resolutions.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of i nquiries 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 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 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 2019-10-16
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
My complaint is against PayPal for failure to release funds when promised, and for punishing me for failing to fall for their attempted extortion of an additional, excessive fee in order to expedite the process,. 

On XX/XX/XXXX, I sold two items that I owned ( legally ), on XXXX totaling {$2500.00}. At that point, PayPal advised that there was a hold on the funds for 3 weeks. This apparently originated from XXXX, since it was a big sale and a new account. After the three weeks, the money was released into my PayPal account. PayPal took a fee of {$72.00} for the use of their service. 

I then tried to transfer the remaining {$2400.00} to my bank account. At this point I was offered expedited service for an additional fee of {$24.00} ( 1 % ). Upon declining the expedited service, I was informed that this activity was suspicious and that my funds would not be available for another 8 days. 

This is clearly retribution for declining to pay the additional fee. If they had suspected anything suspicious, they already had 3 full weeks to investigate. Additionally, there was no warning that the activity was deemed suspicious prior to being given the option to pay and have my money in minutes or not pay. 

I have repeated attempted to contact customer service, but they send a cookie cutter response and refuse to address the actual issue. 

It should not take 28 days to receive my money from a valid sale, and they should not be able to punish me for not paying and additional and in my opinion, excessive fee.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: Credit Card Receivables Fund Incorporated
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called XXXX XXXX XXXX  is trying to sue me for a credit card debt that does not exist. I have contacted XXXX XXXX XXXX  on many occasions, filed a Cease and Desist Letter on XX/XX/XXXX and yet they are still trying to sue me for a non-existent debt. XXXX can not find ANY record of this card tied to my social security number. I spoke multiple times with XXXX and confirmed this. On XX/XX/XXXX the XXXX Security Operations officer confirmed once again, there is no debt tied to my social security number. She suggested I contact XXXX, the Consumer Financial Protection Bureau and the State Attorney General as this company is violating the Fair Debt Collections Practice Act. This 3rd party debt collector has harassed me for a year and a half and keeps trying to get more personal information from me over a debt that does not exist, and I am very concerned about Identity Theft. There is NOTHING on any of my 3 credit reports pertaining to this card. I was informed by XXXX Fraud department that XXXX XXXX  XXXX  is in violation of the Fair Debt Collections Practices Act. I want this lawsuit and harassment to stop ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
All three credit bureaus show outdated information and inaccurate information. I filed serval disputes with all 3 agencies and they did not not remove 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 2022-10-20
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Barclays calls me repeatedly, and when I answer, they immediately hang up. In addition, Barclay 's has not responded to mail correspondence regarding the debt 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