BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-31
Company: SYNCHRONY FINANCIAL
State: MS
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 receiving text messages stating " CareCredit Rewards MC courtesy reminder. Make payment. carecredit.com/Mastercard  XXXX FreeMsg : Synchrony Bank. To opt out reply STOP '' I do not have a CareCredit Mastercard. I have an old Synchrony card which has not been used in 2 years. I am afraid someone has gotten a fraudulent card in my name. The only way to get info from them is to give them my Social Security number, which I will not do. What do I do?

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 2017-10-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I received a letter with XXXX XXXX on the envelope. My mother 's name begins with a XXXX I do n't know if whoever was suggesting something. I have never received anything like this before from the company.

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 2023-08-31
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:
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that those charges be removed. 

I understand that failure to investigate these accounts within a period of thirty days will result in non-verification which requires that the above accounts be immediately removed from my credit file. 

I also understand that the Fair Credit Reporting Act specifically 15 USC sections 1681i ( d ) and 1681j requires that I receive both written notification of the appropriate corrections and updated credit reports at no charge.

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 2023-08-07
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had did a loan consolidation back in XXXX and the account was closed, XX/XX/XXXX Navient reopened my account and took away XXXXXXXX XXXX points on my credit report their claim is that I am 120+ 180 days late. Which is not a true statement. The Navient account was closed and settled after the consultation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I purchased a XXXX XXXX XXXX XXXX XXXX from a seller on Venmo named XXXX XXXX after discussing the terms of purchase through the app XXXX  for the amount of {$960.00}. An important note is that I used the Buyer Protection feature in Venmo which states that money for a product not received or received not as described will be refunded, and the seller has gone cold since the XXXX. On the XXXX I decided to file a dispute with Venmo because the seller hadn't provided shipping information. Venmo said they would investigate and provide a solution with 7-10 business days, but their time has run out. After speaking to them today, they said that they haven't reached a conclusion and that 'investigation ' may require more time. There isn't anything to investigate other than the seller just scammed me from almost a grand, and I'd like my money back from Venmo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-01
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi, I had a mortgage with TD bank. Mortgage account # XXXX. I contact TD bank to re-finance my mortgage in XX/XX/2019. I was working with the bank directly, assisted by their loan processor. Before closing, the loan processor advise me not to pay the current payment of the old loan, since the new loan will stat. The numbers were final to cover the old loan balance with all fees. This was paid off and the new loan start with payments to begin in XXXX. In the meantime, TD send me notice of late payment for the old loan which result in mark on my credit report. 

I contacted TD before but didn't get a response. 

Please help me to remove this mark on my credit score. 

Thank you, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-12
Company: EQUIFAX, INC.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX Bank through XXXX  does not offer consumers the ability to put their payments on auto-payment each month. You may only schedule one payment at a time by logging into their site each month to schedule. Despite repeated attempts to get them to add this feature, available by EVERY OTHER CREDIT CARD company in 2019, they will not allow it. I know that XXXX has the ability to do it because my card with XXXX XXXX XXXX allows me to auto-schedule my payments, but XXXX does not. I continually find myself forgetting to go in and schedule the payment, despite my phone reminders, and would appreciate it if they'd try a little harder to help their customers out to ensure that timely payment options are available. Every other bill I pay is paid automatically and it feels like XXXX deliberately doesn't allow this option so that they can rack up fees and late payments. Additionally, often times if I do remember late in the evening to log in and schedule the payment, they cutoff the payment deadline for the day around XXXX or XXXX XXXX so I still end up with a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they don't report to the credit bureau, so I'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & XXXX ). Thank you in advance for you help in this matter. 

I got the below response back from XXXX in regards to my re investigation into the removal of my bankruptcy : XXXX Report Number XX/XX/XXXX Date Generated Record Details Record Type Chapter XXXX bankruptcy discharged Filing Date XX/XX/XXXX Date Resolved XX/XX/XXXX Claim Amount {$0.00} Liability Amount {$0.00} Responsibility Individual Reference Number XXXX Reinvestigation Information This item remained unchanged from our processing of your dispute in XX/XX/XXXX. 

On Record Until XX/XX/XXXX Court Information Court XXXX XXXX XXXX XXXX   XXXX Address XXXX XXXX XXXX XXXX, KY XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: MO
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Northstar Location Services, LLC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/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 2017-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
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 have a few hard inquiries that I dont recognize from the past years and recently this year 1 hard inquiry is from XXXX XXXX XXXX, XXXX I Never Gave These People my information in person or over the phone. Another hard inquiry is from XXXX XXXX from XXXX XXXX XXXX I Never Gave This Company no information for me to have a hard inquiry. XXXX XXXX is another unrecognized inquiry on XXXX XXXX XXXX. Also I see a hard inquiry from XXXX XXXX XXXX and Capital one auto finance on XXXX XXXX, XXXX And XXXX XXXX, XXXX were both hard inquiry I dont understand why I have so many hard inquires from Companys That I Never Gave My personal information To. Could I please get them hard inquiries removed so that it wont affect my credit score in the future. Thank you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-03-01
Company: Bread Financial Holdings, Inc.
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2020, I tried using my Comenity Bank ( Comenity ) issued XXXX  XXXX ( XXXX ) store credit card ( Card ) at the XXXX store in XXXX, PA. The purchase was declined and I was obliged to use another credit card. By doing so I earned loyalty points but not the enhanced total I would have earned had the Card been used. When I got home I called Comenity and was told because the Card was used in a different geographic area from my address there was a fraud block. I told the agent that XXXX is a mere 30 miles from my home address in Delaware and is the XXXX store closest to my home. Apologies were extended and I was told that the same problem shouldnt reoccur. 

On XX/XX/2020, I visited the XXXX store in XXXX. I successfully made a purchase with the Card for about {$100.00}. About ten minutes later I saw additional merchandise to purchase. I went to the cashier and what ensued was a more than half hour frustrating experience with Comenity fraud personnel. 

The new charge for {$210.00} was declined. I received a text message from Comenitys Fraud department. I called and long story short was asked to confirm the {$100.00} transaction and the declined transaction. I did so. I was told the decline occurred because the second transaction came too soon after the first and believe it or not, because of geography reasons, again! I was told the cashier could retry the transaction in 5 to 10 minutes. That was done - repeatedly. No success. After a half hour of waiting at a very crowded check out line I called Comenity again and was told the actual waiting time needed was 24 to 48 hours. Thus, the Card was again useless. I lost the enhanced points I should have earned and was embarrassed and unacceptably delayed - in addition to causing stress for other shoppers and cashiers - and XXXX losing part of a sale.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been a Loyal Credit Card holder with Kohl's/Capital One since XXXX with an Excellent payment history until XX/XX/XXXX. I had received a call from a Kohl 's Customer Service Rep about my monthly payment being 30 days past due. I was unaware of the payment because I do not use the card often. I did pay the full balance, {$50.00}, which brought the account to a XXXX balance and had the late fee removed by the Rep which I kindly appreciated. The Rep told me that Kohl 's had reported to all the 3 Major Credit Bureaus, XXXX, XXXX and XXXX about the 30-day late payment, I was unhappy to hear that news. I take pride in maintaining a positive credit history by making my payments on time when they are due, and this was why I had an Excellent payment history with all my financial obligation until this unfortunate incident. I did not have Autopay setup at the time of the late payment, but it was setup on XX/XX/XXXX to avoid this every happening again. I mailed a letter to Kohl 's Collection Department on XX/XX/XXXX kindly requesting a Goodwill Adjustment of the 30-day late payment that was reported to the 3 Major Credit Bureaus XXXX They responded on XX/XX/XXXX with a letter of denial. They stated that the information that was reported was accurate and updating the information as I had requested will create an inaccurate representation of the status on my account. The integrity of the credit reporting systems relies on the validity of the information furnished. At no time did I state that the information that was reported was inaccurate. I stated in the letter to Kohl 's that it was an oversight on my part taking ownership. The 30-day late payment that has been reported has decreased my credit score to at-least XXXX points on all 3 Major Credit Bureaus and to be punished for this one-time mistake has been detrimental to my credit status. I am requesting that XXXX XXXX reconsider their decision as a Goodwill Gesture for a Loyal Credit Card Holder since XXXX will an Excellent payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
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:
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. 

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  has violated my rights. Or 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 non-monetary relief
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am 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 2021-01-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX Account number XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Hello Toyota Motor Credit Corp, This is XXXX XXXX and this is to inform Toyota Motor Credit Corp that they are reporting inaccurately and I will explain and supply supporting documents to support my claim and I will and am needing an urgent resolution to this issue as this issue has caused a bunch of stress on me! On XX/XX/2020 I received a call from a representative asking for payment in the amount of {$1800.00}. On XX/XX/2020 I made the payment which after the payment was satisfied I received an email from Toyota Motor Credit Corp as a confirmation that on XX/XX/2020 the payment in the amount of {$1800.00} was taken care of which brought the balance to {$0.00}. I logged in to my credit file and I saw that Toyota Credit Motor Corp is reporting XX/XX/2020 and XX/XX/2020 late which is not accurate. I made the payment on XX/XX/2020 I am not late. I even was given an email confirmation which I will attach along with this letter. This is an error on behalf of Toyota and this must be rectified and resolved because this invalid information that Toyota is reporting on my credit files ( XXXX, XXXX, XXXX, etc ) is inaccurate. I have proof I made payments on time. This must be resolved immediately please. Please reply ASAP. This needs an urgent resolution. I will also be reporting this concern to the CA Attorney Generals Office and with the CFPB along with mail a copy to the address that I was provided by XXXX ( agent ID FVPH ) which is TFS Credit Dispute Group XXXX. XXXX XXXX XXXX XXXX, IA XXXX. Please fix this issue and send me a letter confirming this has been fixed and resolved. Thank you in advance for all the help. 




XXXX

Company response to consumer: Closed with explanation