BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: Experian Information Solutions Inc.
State: NV
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:
sent ftc violations experian and XXXX i XXXX  XXXX XXXX XXXX Non taking longer than 30 days which are violations XXXX XXXX XXXX XXXX XXXX {$8000.00} 100 % usage 3 late payments XXXX XXXX XXXX   XXXX XXXX {$2200.00} 100 % usage 3 late payments XXXX XXXX  XXXX XXXX never late they obtained a sentence of more than 16 years in XXXX  for XXXX, and a penalty of {$520.00} XXXX against XXXX XXXX for violations of the Bank Secrecy Act, including failing to timely report suspicious banking activities of XXXX. 
inquires all ftc violations XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions

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 2023-11-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied a XXXX XXXX credit card from Synchrony Bank on XX/XX/2023. I used the promotion link which I indicated that I would receive XXXX XXXX XXXX miles after {$3000.00} spending in first 3 months. I met the {$3000.00} spending requirements within 2 months, and received the credit card statement which stated I would receive XXXX XXXX XXXX XXXX  on XX/XX/2023. But I have only received XXXX XXXX  until XXXX. I made XXXX phone call with the customer service, they said the XXXX XXXX XXXX XXXX  will post to my XXXX XXXX account on XX/XX/2023, but it was not posted until today.

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 2023-11-30
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I am writing to formally dispute several unauthorized inquiries on my credit report, as identified in the attached documentation. As someone who has been proactive about credit security, I have had a fraud alert on my account for over 15 years to prevent such occurrences. 

Upon reviewing my credit report, I noticed multiple inquiries that I did not authorize. These inquiries have potentially negative implications for my credit score and could be indicative of fraudulent activity. Given my longstanding commitment to safeguarding my credit through a fraud alert, these inquiries are especially concerning. 

The unauthorized inquiries occurred on [ List the dates or approximate time frame of each inquiry ]. I have neither initiated nor authorized any credit applications during this period, and therefore, these inquiries are erroneous and potentially fraudulent. 

I request the following actions to resolve this matter : A thorough investigation into the unauthorized inquiries listed in my attached documentation. 
Removal of these inquiries from my credit report, should they be verified as unauthorized. 
An update on the status of your investigation and any actions taken. 
I have also contacted the credit bureaus to inform them of this issue and will be monitoring my accounts closely for any further suspicious activity. 

Please find attached copies of relevant documents, including my credit report highlighting the disputed inquiries and evidence of my longstanding fraud alert. 

I appreciate your prompt attention to this serious matter. Please contact me at XXXX or XXXX for any further information or clarification. 

Thank you for your assistance in protecting my financial integrity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I logged into my  wells fargo mobile account t o check if I had funds available to purchase clothing for my child, the mobile app reflected that I had sufficient funds. After the purchase was made multiple charges posted to the account lowering the available balance causing an NSF fee to be charged.  <P/> When I contacted wells fargo they wear willing to refund part of the NSF fee amounting to about {$3.00} that suggests they accept some responsibility.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX XX/XX/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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
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: Account information incorrect

Complaint:
XXXX, TRANSUNION, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX, Transunion and XXXX are reporting a Collection Account on my credit report from XXXX. This company NOR did the original creditor sent me anything in writing regarding this debt. Despite my multiple attempts to contact them and asking for the details on what or how I owed them anything.

I disputed the account with all the three of the major credit bureaus and XXXX " verified '' the debt. I filed a complaint with the CFPB ( XXXX-XXXX  ) and the company basically told on themselves when they included two attachments in their response. I was never sent anything in writing to verify the debt, despite asking for it in writing and calling the original creditor repeatedly to obtain it. Instead it was reported on my bureau and to date, XX/XX/2020, I still have NOT received anything in writing. 

1. ) The first attachment was the supposed letter they sent to me. It was sent to their own address, not to my forwarding address.

2. ) Second, they sent the rental lease, the lease creation date is recent and not covering the time period, which shows they just generated the lease. 

The letter wasn't mailed to my forwarding address nor to the old rental address with the apartment number included which would have allowed the mail to be forwarded to me successfully. Instead they simply mailed the notice to themselves and then sent the account to collections after returning my payment. A payment I made blindly to prevent damaging my credit report.

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 2023-09-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 explanation
Consumer complaint received 2023-11-30
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Fay Servicing committed mortgage fraud and identity theft against me by using fraudulent documents to foreclose on my home that I have no mortgage on. I've called Fay Servicing, emailed them and sent them letters explaining to them that they were illegally foreclosing on my home and they knowingly and willingly foreclosed on my property causing me to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have attempted several times to contact HESAA LOANS for a refinancing option. My father is the co-signer on my loan and he has not made any of the payments on the account, I solely have and it has been up to date without any issues up until now. I am trying to refinance and not have a co-signer and completely take him off as he has nothing to do with it but no one will give me information on how to release a co-signer and even with my average credit score and decent job ( keeping up to date with XXXX dollar payments regularly on my own ) they will not release him or allow me to refinance. This is completely ridiculous as I am a new college student in all kinds of debt and have medical bills but if Im keeping up to date for so long with the loan why cant I have the option to release him?! This is causing undue stress as it is my loan and I need help from someone at HESAA to give me options even with my lower credit score because my payment history on such a high monthly payment has never faltered!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My information was sold and bought illegally because I was a victim of the Equi fax data breach. I want these items " deleted '' from my credit reports effective immediately. I am attaching my proof that Equifax has admitted fault and that I was a victim of this data breach and Equifax has done nothing to provide resolution ( XXXX ). Please help me to delete these illegal accounts that are reflecting negatively on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Galaxy Capital Acquisitions, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I DO NOT KNOW ANYTHING ABOUT THIS CREDIT CARD AND NEVER APPLIED FOR IT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX XXXX/XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$3800.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.

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 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$5500.00}

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 2018-10-06
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:
My child support account # XXXX is with XXXX XXXX not XXXX XXXX XXXX. XXXX  XXXX XXXX was contracted by XXXX XXXX to collect withholding only. They do not own this account. It is a XXXX XXXX account. ( see attached email ) XXXX XXXX XXXX  continues to report incorrect information even after a representative from XXXX XXXX contacted them and instructed them to remove the late reporting on my credit report. 

Attached is an email from XXXX XXXX dated XX/XX/2018 that affirms my child support account is with XXXX XXXX and that my account is/was current during the months that XXXX XXXX XXXX is reporting 120+ lates. 

Also attached is the payment record that shows XXXX  XXXX XXXX reported 120+ lates while the account balance was XXXX. 
This is a gross violation of the FCRA and these items must be deleted from each CRA for failing to verify and ensure accurate reporting and properly investigate previous disputes. 

Violations seen on attached credit report : XXXX - XXXX   XXXX XXXX reports a 120 day late for XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted. 

XXXX  - XXXX XXXX XXXX reports current for XX/XX/2018 and then a 120 day for XX/XX/2018. It is impossible to become 120 days late within a 30 day period. 
XXXX and XX/XX/2018 report as 120 day lates even though the balance owed was XXXX. ( see attached payment record ) - Item must be deleted. 

TRANSUNION - XXXX  XXXX XXXX reports 120 day lates for XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 even though the balance due was XXXX. ( see attached payment record ) - Item must be deleted.

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 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : XXXX. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

XXXX. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 

XXXX. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. 

I am requesting that the CFPB investigate my complaint and take the following actions : XXXX. Order the credit bureaus to remove the inaccurate information from my credit report. 

XXXX. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit 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 non-monetary relief
Consumer complaint received 2023-11-30
Company: DISCOVER BANK
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:
Ex-Husband opened Discover Financial card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called Discover and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX. Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to Discover and their lawyer ( collection company ) XXXX XXXX XXXX XXXX He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with XXXX XXXX XXXXXXXX and Discover at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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 aqccordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  '' : account # XXXX, has violated my rights. 15 U.S.C. 1681 section 602A, states that i have a right to privacy. 15 U.S.C. 1681 section 604A, section 2 : it also states that a consumer reporting agency can not furnish my account information without my written instructions and consent.

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