BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have not provided this company permission or a signed authorization form to do a hard credit pull on my report XXXX2017 or XXXX2017. I have reported this to Equifax, they did not investigate and told me to take it up with the fraud dept of the business, Well the business is a small company and there is 4 workers and a manager there, no internal fraud dept. when I called CFPB they told me that I needed to contact State Banking Auth of LA as I did. The person I spoke with stated that the DoddFrank Wall Street Reform and Consumer Protection Act has shifted some roles and responsibilities but she still was unsure why CFPB could not assit me being that this place is NOT a credit union/bank/payday lending company. But is labeled as a Consumer Finance & Loan Company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed 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 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 2023-06-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
For 5 years now I been getting denied for bank accounts and also for major credit card fraud back in 2010 I was XXXX and XXXX for my property back in XXXX, since then my SS # been in play, I gotten bills from XXXX company that I never applied for, I need help making this go away, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I mailed Synchrony Bank / XXXX XXXX XXXX an FTC Identity Theft Report on XX/XX/2018 and received a letter back from them denying my fraud claim due to " Customer benefited from use of card/participated in the purchases ''. I did not make any purchases from Synchrony XXXX XXXX XXXX XXXX. Why haven't I received a detailed investigation? I received one single sheet of paper denying my fraud claim without a proper investigation. 
An address was listed on this account that has not or ever been my home address. I am demanding a proper investigation and demand a detailed investigation be mailed to me.

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 2020-05-29
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This complaint is in regards to XXXX, XXXX, and XXXX, XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX who are representing Discover Bank as a debt collector. In a hearing held on XX/XX/XXXX, XXXX, XXXX, and XXXX agreed to settle the debt for {$2600.00} with {$1100.00} paid from a XXXX XXXX transfer leaving a total of {$1500.00}. We were then advised to make monthly payments of XXXX dollars per month that increased to XXXX dollars per month beginning XX/XX/XXXX. We have been sending money monthly and while not always able to pay the XXXX per month we have diligently sent in a payment of at least {$50.00} every month. Since this judgment, I have paid a total of XXXX, which should leave a balance of {$500.00} at this time. I received a letter from XXXX, XXXX, and XXXX dated XX/XX/XXXX that outlined the judgement, the amount owed, the amount payed, and the remaining balance of XXXX. In this letter there is no mention whatsoever of additional interest and fees. After missing a payment in XXXX of XXXX due to loss of employment from the XXXX XXXX, we received a letter from XXXX, XXXX and XXXX dated XXXX, XXXX with a noted balance due of XXXX. Seeing this balance, which is more than the agreed upon settlement, led me to call XXXX, XXXX, and XXXX. I spoke with a representative on Monday XX/XX/XXXX who informed me that we were being charged interest and there were also court fees in the amount of XXXX applied to our balance. The representative was not able to provide me with a balance as a start number from in XXXX of XXXX. I was led to believe that number was the agreed upon settlement balance of XXXX. 

Not only did XXXX, XXXX, and XXXX not act in good faith but they deliberately set us up for failure of repaying this debt. While we have been making payments each month the total has been increasing unbeknownst to us. The total is now almost double what we originally owed, and while we thought we were close to paying off our debt we are now even further in debt. We have never received any type of statement from XXXX, XXXX, and XXXX demonstrating our payments, informing us of the interest applied to the amount, and that the balance has continuously gone up due to the interest or whatever other fees have been applied without our knowledge. We feel we are owed at least an adjustment to our balance accordingly due to XXXX, XXXX, and XXXX not acting in good faith and being deliberately obscure with and withholding the details of our repayment. 

Thank you for your time and consideration of this matter. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: Avant Holding Company, Inc.
State: AR
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:
AVANTCREDIT AND XXXX XXXXMUST SEND LETTER TO XXXX DEMANDING THE REMOVAL OF MY ACCOUNT FROM THEIR DATA BASE AND TO UN SUPRESS CREDIT FILES TODAY

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
I have sent and writing multiple times asking Experian to verify the information they are reporting is corrected with the actually signed contract. They response is they will not re-investigate and they verified as correct.The 609 law stated that they have to have actually proof that its mines and provide me with that. They have failed to do so. I even sent in Identify Theft form for one of the accounts. The accounts in question is 1.XXXX XXXX XXXX  2 . Bankruptcy XXXX 3. Bankruptcy XXXX 4. XXXX XXXX XXXX 5.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 2020-05-30
Company: Mortgage Research Center, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are senior citizens. I am XXXXyrs old, XXXX & a XXXX veteran. We qualified for a VA mortgage & applied for a home refinance with Veterans United. Process was completed XX/XX/2019. For the next 8 months, we have been told that the loan is in underwriting. They keep giving us new closing dates. They want us to pay for repeated updated pest and well water inspections. We have spent {$900.00} thus far and now they want us to repeat these tests as the dates have expired because they delayed too long. They have also repeatedly pulled our credit, causing it to drop considerably. We can only assume this is a way to make us Walk away from our application without them blatantly declining us for age or nationality. This is emotionally and financially distressing. Is there any recourse?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First I received a email from XXXX so I login and see an inquiry from unknown company called Zions Debt Holdings LL so I immediately contacted XXXX you asked them about this and I asked for this to be removed from my credit report because I have any knowledge of these people with in few they Zions Debt Holdings LL sent me a text message violation of my right on as a consumer to In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I noticed by logging onto the Citibank Home Depot website today that my balance had gone up substantially. I had not noticed that back in the XXXX statement that they had added {$420.00} in deferred interest fees on a 2 year no interest special. My total amount was under {$900.00} of purchases with Home Depot, and I had been making regular monthly payments of {$28.00} per month. I did not realize that the special was ending in XXXX this year because I was too preocccupied with having been let go from my job in XXXX ( terminated )  and have been trying to deal with finding another job. I didnt pay attention to the credit balance on this card, but I would have paid off the card if n XXXX which only had about {$180.00} left had I realized back then. I called Citibank-HomeDepot credit agency today, and just got off the phone with a manager who said that they had 20 days from the interest charge that they could have done something. I asked is there any other way to escalate this dispute and come to a resolution and he did not offer any solution. I am now contacting the CFPB for help on this matter to see if CFPB can persuade for a resolution which would be preferably that I pay of the full principle amount as of XXXX with no interest fees, since it was obvious to anyone with a brain that I would not have done a 2  year no interest special just to have to pay $ 400+ in interest!

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 2019-03-04
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking account with Citibank that promised {$400.00} cash bonus if I satisfied a series of requirements ( {$15000.00} balance, direct deposit ... ). I satisfied all of the requirements and received an email informing me that I would be receiving the {$400.00} within the next 30 days ( attached as PDF ). I received that email on XX/XX/2019. I have subsequently called Citibank 's customer service 4 times, spoken with supervisors, and had tickets opened investigating why the money has not been deposit into my account. Everyone I have spoken to at Citibank is in complete agreement that I have held up my end of the agreement, as well as that Citibank is in violation of the agreement. Each phone call takes a hour or more and its so unfair that customers have to chase Citibank over and over to receive what they promised.

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 2023-06-22
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:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: EQUIFAX, INC.
State: PA
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:
Hello my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Lendmark Financial Services
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX loan XXXX. 

I'm writing today because the balance on my loan should be lower than what it currently is. 

On XXXX of 2018, I made 2 payments. One on the XXXX and one on the XXXX. 
The 2nd payment should have lowered the loan balance to {$220000.00} All subsequent payments should have been based on that new lower amount. 
Please reamortize the loan so the lower amount is reflected. 

You can not just lower the amount owed by {$2000.00} at this time. You have to reamortize it to be accurate. 
It is a lender error that the amount applied to the principal ( as shown below ) is the principal went down {$490.00} and also {$240.00} for the additional payment amount but it should have gone done {$2000.00}. 

I don't want to file a complaint but this is my 2nd request to address this. 
Thank you XXXX XXXX XXXX Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$220000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$900.00} {$340.00} {$0.00} {$220000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$220000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$910.00} {$340.00} {$0.00} {$220000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$230000.00} Monthly Payment XX/XX/2018 {$1700.00} {$490.00} {$910.00} {$340.00} {$0.00} {$230000.00} Additional Principal XX/XX/2018 {$240.00} {$240.00} {$0.00} {$0.00} {$0.00} {$230000.00} Monthly Payment XX/XX/2018 {$1700.00} {$480.00} {$910.00} {$340.00} {$0.00} {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Radius Global Solutions LLC
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: Account information incorrect

Complaint:
Radius Global Solutions, a collection company, re-aged an account and reported inaccurate and false information to XXXX and XXXX  credit bureaus which is damaging my credit. 

My research into the issue revealed that the original medical account with XXXX XXXX was dated XX/XX/XXXX, almost a year earlier. XXXX apparently sold the debt to Radius Global Solutions during XXXX. 

Radius Global Solutions reported two different " Date Last Active '' dates, of XX/XX/XXXX to XXXX  and XX/XX/XXXX to XXXX. The two year payment history for this account is blank. 

I do not have knowledge of this account and certainly never consented to or took part in any activity to result in re-aging or any activity to occur during the year 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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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  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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting Act XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Kohls has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
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:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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