BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name:XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number : # 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 2020-12-23
Company: Paypal Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from XXXX XXXX XXXX XXXX XXXX for an amount owing paypal of {$60.00}. I contacted pay pal because I would have no reason to owe them any money and they indicated it was a fraud or scam letter and to disregard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and Transunion, XXXX have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.

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 2022-10-25
Company: Experian Information Solutions Inc.
State: NY
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:
I am, XXXX XXXX, submitting this complaint against Experian XXXX XXXX XXXX XXXX and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX  EST your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/ XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above

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 2023-04-19
Company: EQUIFAX, INC.
State: VA
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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following items are listed below : XXXX Date of inquiry : XX/XX/2022, XXXX XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/2022, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX, XXXX  Date of inquiry : XX/XX/2022, XXXX  Date of inquiry : XX/XX/2XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One 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 explanation
Consumer complaint received 2020-09-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Filed dispute for a transaction that was a Billing error. I was charged for a transaction that was cancelled because showed as declined. After I filed dispute waited >90 days with no results. When I asked for an update customer service at bmo Harris bank said they can only send an email to investigator no phone number I can call or they can call. I requested for at least a provisional credit because following federal law EFTA I should have at least received a provisional credit after 10 days. However customer service rep responded by stating they considered my dispute a courtesy dispute even though I told them no, its a billing error therefore Im protected under EFTA federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 's, XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 604 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 explanation
Consumer complaint received 2023-05-23
Company: Nationwide Credit Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to NCC three times, on three separate occasions, to request verification of debt over the last 3 months ( 90 days ). The representatives keep telling me my requests have not been processed and " hopefully '' something will be mailed to me. I called the original creditor and they don't have anything on file for me and told me to contact the debt collector again. Nothing has been provided to me. I can not verify this debt is mine and they have continuously failed to prove that. I want to dispute the validity of this debt due to XXXX 's failure to provide me materials I need to verify this is mine.

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 2022-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 been dealing with unauthorized use of my personal information. Which result in unauthorized items on 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 non-monetary relief
Consumer complaint received 2017-12-16
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I opened a XXXX XXXX credit card ( serviced by XXXX XXXX in XXXX. I never had a late payment since I had the card. On XXXX XXXX, XXXX, I attempted to use my card to make a purchase at a XXXX XXXX store. At the time, I was told my account had been closed. 

This was a surprise to me, as I had checked my account online before going to make the purchase. I have included screenshots of my online account from XXXX XXXX, XXXX ( you can see the dates in the lower right hand corner ). It clearly shows a zero balance and a {$4500.00} credit limit ( see screenshot # XXXX on the attachment ). It also shows that I have a next statement date of XXXX XXXX, XXXX. 

I called their service number and spoke with a customer service representative. They told me that my account was closed in early XXXX, XXXX. I asked why this was done without notification or warning. The representative checked and confirmed that no letter or email was sent to me to notify me of the closure. They could not explain the account showing as open on the website. They told me I would need to apply for a new account. I told them I did not want to open a new account because that would require a new credit pull, which would be unfair to me. 

I asked to be escalated to a XXXX who told me the account was closed and confirmed there was no adverse action behind closing my account. They refused to open or allow me use of my account. 

I am confused that my account was closed without warning or notification. I am also confused that I was sent marketing material information in late-XX/XX/XXXX when my account had been closed XXXX see screenshot # XXXX, email dated 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 2022-11-28
Company: EQUIFAX, 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 FCRA name of accounts has violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
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:
XXXX XXXX  sold this account number on XX/XX/2018 even though they sold this account number they are currently after 5 years reporting to my credit report as if they are still in ownership of this account number. Ive reached out to them multiple times to delete this inaccurate and unfair reporting from my credit report and they have failed to do so. Ive contacted them through Cfpb already and nothing has been done. They are admitting to selling the debt but its still reflects on my report inaccurately. I ask that this account be deleted immediately due to unfair inaccurate and misuse of credit reporting. Which is a violation of my rights as a consumer.

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 2022-12-17
Company: Dovenmuehle Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2022 Dovenmuehle Mortgage applied {$630.00} which was in Partial Payment Unapplied Funds to my principal balance despite Dovenmuehle not having authorization to make that application. I wanted that money to remain in Partial Payment/ Unapplied Funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: NJ
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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: Account information incorrect

Complaint:
I do not have a oral agreement nor a contract with XXXX XXXX, this account is a charge off, the orginal creditor should no longer be reporting a balance on my credit report. Both the original creditor XXXX XXXX and debt collector XXXX XXXX are showing a balance and that is considered inaccurate reporting and a violation of my consumer rights. I have disputed this accounts multiple times with both XXXX and equifax due to many inaccuracies and all they did was update the violations and claimed that this account was verified without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
OnmyXXXXXXXX,XXXXstatement,Ihad{$0.00}purchasebalancesubjecttointerest.Therefore,chargesmadebeforemyXXXXXXXX,XXXXstatementshouldhavefallenundertheinterestgraceperiod.InXXXX.Icharged{$89.00}.Yet,myXXXXXXXX,XXXXstatementshows{$87.00}subjecttointerest.ThisisincorrectsinceIhadaminimumpaymentof{$83.00}andmadeapaymentof{$200.00},thereshouldhavebeen{$0.00}subjecttointerest.

Accordingto12CFR226.53,anyamountpaidovertheminimumisappliedtothehighestratebalance.InXXXXmy{$200.00}paymentshouldhavebeenappliedasfollows:{$83.00}XXXXminimumpayment)tothe0%balancetransferpromotion,{$89.00}topurchasesresultingin{$0.00}purchasebalance,andtheadditional{$27.00}tothe0%balancetransferpromotion.

MyXXXXXXXX,XXXXstatementshows{$87.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXXXXXX,XXXXstatementshows{$10.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXXXXXX,XXXXstatementshows{$420.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

MyXXXX.XXXX,XXXXstatementshows{$1300.00}subjecttointerest.Itshouldalsobe{$0.00}forthesamereasonsasabove.

EverymonthsinceXXXX.Ihavemadepaymentsinexcessoftheminimumpaymentpluspurchasesforthatmonth.Asaresult,Ishouldhavehad{$0.00}subjecttothepurchasesinteresteachmonth.

MyXXXXXXXX,XXXXstatementshowspurchasesweremadeandthepaymentandgraceperiodwereappliedcorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have called myself, I have paid every time, I am affected by the pandemic, my credit was affected, but I still met my payments, I paid my promotional payments in full and they also closed my account, they closed four accounts in their totality of the financial SINCRONARY ROOM TO GO ACCOUNT NUMBER ENDING XXXX  XXXX XXXX SYNCONRARY BANK ACCOUNT BANK NUMBER ENDING IN XXXX GUITAR CENTER SINCRONARY BANK ACCOUNT  BANK NUMBER ENDING XXXX  ON DAY XXXX XXXX PAY the totality of the XXXX XXXX house price for a value greater than XXXX dollars I have never abused the account I have a payment history where I have always complied Furthermore, the same Financier gives me credit in the XXXX XXXX and in AMAZON and in them it has not closed me, this affects my credit even more and where I am raising before that horrible Pandemic that affects the entire planet and our country in particular, being very affected The XXXX XXXX that I own and have not closed despite the adverse moments, I consider that I have honored the debt and that they should NOT CLOSE THE ACCOUNTS AND THEY SHOULD CONSIDER.

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 2020-09-17
Company: EQUIFAX, INC.
State: NY
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 located some negative accounts that happens to be incorrectly reported. On XX/XX/2020 I contacted XXXX, Equifax, and XXXX to have these accounts investigated, and therefore updated accordingly. It been close to 60 days, and I have yet to receive anything in the mail, or even a respond back from the bureaus. It is my understanding that, at this particular moment, and due to XXXX Equifax, XXXX and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA within 30 days. 
Failure to do so could result in a lawsuit in federal court. 
I reserve the right to sue you in according to section 616 of the FCRA Willful non-compliance. 

Acct : XXXX XXXX Acct : XXXX XXXX Acct # : XXXX Acct # : XXXX Acct # : XXXX. Acct : XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX Acct : XXXX XXXX XXXX Acct : XXXX Acct # : XXXX Acct # : XXXX XXXX XXXX Acct : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was advised to complete a student loan rehabilitation program in XX/XX/XXXX by the U. S. Department of Education. I entered the program in XX/XX/XXXX. However, negative credit reporting was filed every month of my enrollment from XXXX XXXX. I was released from the rehabilitation program in XX/XX/XXXX, and entered a loan deferment status in XX/XX/XXXX due to my enrollment at the University XXXX XXXX XXXX  at XXXX. 

After noticing the negative credit reporting I have attempted to contact the loan provider, U. S. Department of education, and have filed several complaints to have the account to reflect the appropriate status for someone who was enrolled in loan rehabilitation due to missed payments prior to XX/XX/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 2020-09-17
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony, number just used - XXXX it is different all the time, has called our number thousands of times, no exaggeration, over the last few years. They are calling for a XXXX XXXX, whose name they just recently referred to. XXXX XXXX has NEVER lived in our home and I myself just looked up his number on XXXX easily enough, why can't they. This company has harassed us for years over someone else 's dept! Please get it to stop. Thanks

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 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I sent a letter to dispute items on my report and they have not yet sent me any investigation updates or removed anything. I Item XXXX : XXXX XXXX ( {$800.00} ) Item XXXX : XXXX XXXX ( {$700.00} ) Item XXXX : XXXX XXXX {$700.00} )

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