BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2020-07-18
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
closed home equity line mid 2018 ; line matured after twenty years, always paid as agreed, still showing on monthly bank statement, inquired this week, XX/XX/XXXX, told we owed {$100.00} to release lien ; news to us, never received a bill, never a problem ... ... 

Currently, a number of problems with Santander, applied three times to restore home equity line, withdrew the first app because of fees ; bank treated it as a decline, next two declines spurious ; suspect Santander expects defaults from existing borrowers, does not want to add to exposure ; has already suspended dividend, stock plummeted to 2 ; now concerned that their ridiculous stringency impairs my wife 's and my credit rating.

Am inclined to pay the {$100.00} lien release fee ; but I want  assurance, no more funny business from these clowns, plus, thought I should share our recent experience ; you may want to shut their home equity line operation down until they get their other credit/default problems resolved. 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 2020-07-18
Company: CHECK INTO CASH INC.
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company reported an account from CHECKINTOCASH on XX/XX/2019 in the amount of {$280.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5  days after initial communication. This was not done 5  days after reporting it to the Credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
n 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 a 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 2023-06-24
Company: EQUIFAX, 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: Account information incorrect

Complaint:
On multiple occasions I have submitted my paid in full letter from XXXX XXXX and yet each credit reporting agency refuses to change the balance due. They are purposely hindering my credit in what I can only assume is a targeted attack on my person and my ability to provide housing for my family. They have provided zero reasoning into why they refuse to make the change.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
In XXXX of XXXX I tried to open an account with discover bank. I downloaded the app on XX/XX/XXXX and recieved a message that just said no due to security freeze. It did not state why or provide details on how to review the decline. I don't have a security freeze on any of the three credit companies nor at XXXX XXXX XXXX. 
The online site stated that due to safety concerns they would not open the account. 
I have tried numerous times and yet it still will not function or let me open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: GA
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 report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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 2020-07-18
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX, XXXX and myself went to court on XX/XX/XXXX. The judge signed a court order saying that I owe this company no monies. 

Prior to seeing the judge, XXXX XXXX ( an agent for XXXX ) and I discussed this alleged debt and she said that the main office in XXXX, FL would reach out to me to discuss a payment plan. I inquired about the down payment that I put on the home ( XXXX XXXX XXXX, XXXX ) and if that would be taken away from the total balance. XXXX stated that she did not know and that I would need to discuss that with the main office when they reached out. 

The judge signed a court order that day that said I do not owe this company any monies. Furthermore, I never received any correspondence from the main office as to them sending this account to collections, discussing a payment plan, my downpayment, or anything else. In XXXX of XXXX I received a dunning letter from Hunter Warfield Inc and I have been going back and forth with them recently about the validity of this debt and the way everything was handled. I have turned in the signed court order to Hunter Warfield multiple times ; however, on XX/XX/XXXX at XXXX XXXX during a recorded phone call with XXXX XXXX at Hunter Warfield she told me that the court order from a judge did not matter and that I would need to seek legal counsel if I wanted to handle this any further. 

I have asked Hunter Warfield for debt validation several times. They have only sent me verification and the signed court order has never been part of the verification thus the verification is incomplete. They refuse to send me validation that I am legally bound to this debt and they say XXXX XXXX XXXX says that I have to pay them. 

I am trying to keep from taking this issue to court. I just want this collection removed from my credit reports and handled the proper way.

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 2020-07-18
Company: Experian Information Solutions Inc.
State: NC
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:
For the past two months, I have been trying to resolve the inaccurate reporting to my credit reports with Experian and XXXX. My first letter to both bureaus was sent on XX/XX/2020, and XX/XX/2020, that requested to remove the derogatory reporting of the months of XXXX and XXXX as this account has never been late. During this time, I had spoken to XXXX XXXX   several times to verify their reporting. The customer service representative transferred me to the escalation department and expressed on numerous calls, the account on their end is NOT reporting 30 days late for XXXX or XXXX, and, that they will send another update as well as advised me to contact Experian and XXXX again. In my XXXX letter to both ( XXXX and Experian ), I had requested the paperwork that backs up their detailed reporting that goes over the procedure of their independent investigation and any other paperwork that states the account is past due. And that this needs attention immediately as this has impacted my credit scores and credit payment history. XX/XX/XXXX credit reports results came back from both ( XXXX and Experian still reporting 30 days late for XXXX and XX/XX/2020 and they never sent their documentation of their independent investigation to show how they are receiving the information. XX/XX/XXXX, I called back to XXXX XXXX and per my conversation with my mortgage company with the Escalated Credit Manager XXXX ID # XXXX ( XXXX Ext XXXX ) has stated their department has sent over updates numerous of time reporting XXXX and XXXX has been paid as agreed. This account has never been late. Per the guidelines and policy of FCRA, which promotes accuracy and fairness in the files of consumer reporting agencies, Experian and XXXX are in violation of reporting inaccurate information. However, the XXXX bureau is reporting paid as agreed. Now, I am contacting CFPB to help resolve this ongoing issue. 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 non-monetary relief
Consumer complaint received 2020-07-18
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020, we visited the local XXXX XXXX store to purchase a mattress. We applied for credit with Synchrony bank and were declined. We paid for the mattress by other means. A few days later we received a letter in the mail from Synchrony stating they " could not approve the co applicant ''. We pulled our credit reports and found nothing amiss and shrugged it off. On XX/XX/2020, we received alerts from our credit monitoring company stating that we had a new Synchrony account for XXXX XXXX. My husband called Synchrony and they said they could not see the decline and that the account was opened on XX/XX/2020 with a {$5000.00} credit line. They could not answer any questions about how the request was submitted. We never reapplied and had no need for the line. We requested the account be closed. On XX/XX/2020, we reached out to XXXX XXXX who stated that they do not resubmit credit reports and that they would escalate the report. We want an explanation as to why a fake account was opened in our names and no one seems to be able to give that to us. We are now asking the CFPB to review the credit card practices of Synchrony Bank so this does not happen to someone else.

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 2020-09-12
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: Account information incorrect

Complaint:
I am requesting with this written complaint that the following inaccurate items is a result of non-factual reporting. The items are as follows : XXXX XXXX XXXX  XXXX This account reflects incorrect payment history in XXXX and opened date is incorrect. Please correct or remove. XXXX XXXX  XXXX/XXXX  XXXX. The opened date is incorrect and balance due. XXXX XXXX XXXX   XXXX The account reflects 49 chargeoffs. An account can not reflect a charge off every month, payment history and date opened is incorrect. Please correct or delete. XXXX XXXX XXXX. Payment history and date opened is incorrect. This account reflects 11 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. 
Please correct or delete. XXXX XXXX XXXX XXXX This account reflects incorrect payment history from XX/XX/XXXX to XX/XX/XXXX. This account reflects 22 consecutive months of 120 days past due. You can not have more than 1 month consecutively with the same number of outstanding days past due.This is non-factual reporting. Please Remove Account. XXXX  XXXX XXXX XXXX No contract with this company please delete. XXXX  XXXX XXXX XXXX No contract with this company please delete. Lastly please provide me with all information you received in order to verify the accuracy of these accounts as anybody that you do business with can just send information about anyone that may constitute fraud or 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 explanation
Consumer complaint received 2021-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TransUnion has lowered my score for the following reason : Score Factor : Open real estate account balances are too high compared to their loan amounts I have never been late in paying my Mortgage, and it is not fair to considerably lower my score to XXXX from more than XXXX for the above reason because it is not true. 

Also, TransUnion is the only credit report company that has unfairly lower my score. 

XXXX and XXXX did not lower my score. 

Please, I need your help. 

This is not fair to consumers as we work hard all our life to maintain a high credit score.

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 2020-09-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This is about Equifax : XX/XX/XXXX : Mailed with documents on Drivers license & Med Information for Credit Report. No response received back. 

XX/XX/XXXX : Filled out XXXX XXXX XXXX Request Form, mailed it. The Form did not mention any extra paperwork to send in. 

XX/XX/XXXX : Equifax replied, they needed more information, SS card, driver 's license, rental/lease agreement, utility bill and where I lived for past 2 years. They also said the XXXX XXXX XXXX form was not legible which I printed in large legible letters. I mailed all that they asked for. 

XX/XX/XXXX : Equifax replied : Need to enlarge photocopies of driver 's license and social security cards. I resubmitted information again and increased copying by 150 %. The copies of my driver 's license and Social Card was readable before I mailed it to them. 

The other problem is that when other companies want to check my credit score Equifax always says its closed and they will not help me. I've called and talked to reps and they say it's open, but yet when I applied for Bank Loan on XX/XX/XXXX it was closed to them and I had to get the Bank Loan in my wife 's name only to buy a new home,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I disputed a public record ( bankruptcy ) several times with Equifax. The investigation came back as verified through XXXX XXXX. I then submitted a dispute with XXXX XXXX and they said it could not be verified and was then deleted from their files. I sent proof of investigation that I received from XXXX XXXX and they have yet to delete the file from my report. I disputed again and it came back saying it was verified through court system. I wrote court system and they stated they do not verify they would have to go through XXXX XXXX. I received an investigation result from Equifax on XX/XX/2020 in the mail stating again it was verified through XXXX XXXX and still has not been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
About 6 months ago i received a copy of my credit report and i noticed several accounts that are listed on my report that i never applied for never used and never received any benefit from i disputed these accounts and they refused to remove them all these accounts are results fo identife fraud 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 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 2018-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/2018 went onto Kohls online site to order an e gift card for my son who just moved out of state. Site said maximum amount was {$250.00} which I purchased and paid for. Received a confirmation email that purchase was received and would be delivered shortly. After 10 hours of not having it delivered to my sons email I sent a follow up email asking why this order was not completed. Received a response there was a problem and to call kohls. Once I called I found out they can not do an e card for more than {$100.00} so they cancelled order and I have to place 3 separate order. I asked why the online site has this option for more than {$100.00} if they can not deliver and was told this is a mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Rocket Mortgage, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
All we want to know is for whom you bank through. During this crisis only XXXX  XXXX XXXX isn't forgiving and late charges or overcharges during this time of such Pandemic. Who do you bank with and if we're late, are you to forgive such overages and extended interest rates on your end? Please e-mail me, XXXX XXXX, with such specifics. If you do deal with XXXX XXXX XXXX, we'd like to reapply with another firm. 

So honest and true, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
cc # ending in XXXX spoke with XXXX id # XXXX, XXXX  id # XXXX, XXXX id XXXX. said I have to make a payment on a disputed charge. contrary to what is written on the back of the statement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
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: Information belongs to someone else

Complaint:
Please carefully review and remove or correct this 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 explanation