BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: Synerprise Consulting Services, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company appeared on my credit report out of nowhere ... Never heard of this company before ... Don't have any idea about the amount they claim owed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts 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 2021-02-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2022-09-06
Company: Experian Information Solutions Inc.
State: PA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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 2022-09-06
Company: EQUIFAX, 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:
In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. I was affected by this breach when someone used my information in XXXX. Equifax created this problem and now they will not help resolve this problem. They are hiding behind the notion they are too big to fail. 

I wrote Equifax about the following fraudulent account : XXXX XXXX XXXX I have proved this account information as fraudulent with them, and they have failed to respond. I have filed a complaint through the Federal Trade Commission. Under the laws of the FDCPA, I have contacted the credit union and told them it is a fraudulent account. 

This debt is not mine. This egregious stain on my credit file prevents me from obtaining future student loans. I urge them to remove this item immediately before I am forced to take legal action. 

They do not care that I can sue them for actual damages and declaratory relief under the FCRA. According to this regulation, I can sue them at any qualified state or federal court, including a small claims court in my area. 

However, they are not concerned about lawsuits. They are getting paid more money by this credit card company when they report incorrect information on consumers ' credit files. It is why I am filing a complaint through the C.FP.B. 

While I prefer not to litigate, I will use the courts to enforce my rights under the FCRA. However, I need the CFPB to step up and force Equifax to do the right thing. 

I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account # XXXX has violated my rights. 
Account name : XXXXXXXX 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 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 explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 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 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 2017-08-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is rebuttal from Citi 's response. I did receive the letter however there was no payment history received!!! All I received which has been attached is only a typed letter from the company with date but there was NO evidence provided to back up the letter they mailed. I WANT TO SEE THE PAYMENT HISTORY. I was not asking about the release of debt I was asking for the actual payment history.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello, Have already called the creditor asking them to remove this late payment not abiding by what I have requested. They have also violated my consumer right, because they never gave me an option to opt out from reporting to third party, I mean the law 15 U.S code 6802 I was reported as late for the month of XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Account Name : XXXX XXXX Creditor : XXXX  Loan Number : 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 2019-04-19
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I filed the same complaint, and you guys had it resolved less then a week. I've been told by TD Bank that my payments dating back to XX/XX/XXXX were being applied to principal and not interest while charging me for late fees, making it impossible for me to ever catch up on my payments when the whole thing is their fault AGAIN!. I contacted XXXX XXXX XXXX who told me in XX/XX/XXXX that he would handle this personally if I had any problems moving forward. So he tells me he no longer has my account and assigned me to a XXXX XXXX XXXX - XXXX XXXX and XXXX XXXX while I'm working with XXXX XXXX at the local branch who then gave me XXXX XXXX contact information at my request, are you following me so far? - They are giving me the run around. I have also attached some important supporting documents. I was so stressed last time I ended up going to the hospital only to find out I had XXXX  XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
Account Name on XXXX is XXXX XXXX XXXX XXXX, Account Name on TransUnion is XXXX XXXX XXXX , Account Name on XXXX is XXXX XXXX XXXX ... . Account Number on XXXX is XXXX, Account Number on TransUnion is XXXXXXXXXXXXXXXX, and Account Number on XXXX is XXXX ... XXXX 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # all of the ones above, 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 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
TransUnion has provided inaccurate, false and misleading information and representation pursuant to 15 U.S.C. 1692e where it clearly written that a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt and involves an attorney on behalf of XXXX XXXX  XXXX XXXX XXXX who committed criminal conduct with representing his client and fraudulently acting as a debt collector by injuring his client. Without limiting the general application of the foregoing, the following conduct is a violation of this section. There was never a child support debt and once those fictitious debt were disputed they were deleted because debts dont exist otherwise TransUnion would had to validate the debt by producing the contract pursuant to 15 U.S.C . 1692g- validation for debts. TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX for gain of profits which constitutes that TransUnion is not only a financial institution but violates the fdic and ftc rules and guidelines which involves identity theft for altering and selling the social security , card, name and account number. TransUnion did not obtain written consent from the consumer pursuant to 15 U.S.C. 1681b-permissble purposes for consumer report which violates 15 U.S.C. 1681c-2-Block of information resulting from identity theft, responsibilities of furnishers of information to consumer reporting agencies pursuant to 15 U.S.C . 1681s-2 which also violates fcra and fdcpa rules and regulations. TransUnion has neverproduced any contracts which validates any debts nor do they have permission from the consumer to report any debts. All reports made regarding consumer reports including fraudulent debts, names and addresses are to be cleared immediately from the consumer report and TransUnion are in violation of 15 U.S.C. 1681n-Civil liability for willful noncompliance, 15 U.S.C. 1681o-civil liability for negligent noncompliance, 15 U.S.C. 1611-criminal liability for willful and knowing violation, 15 U.S.C. 1692k-civil liability, 15 U.S.C. 1640-civil liability and violation of 15 U.S.C. 1601-truth in lending act. Employees of XXXX XXXX and Consumer Reporting Agencies will be held accountable for criminal conduct and misconduct. They've violated 18 U.S.C. 1001-falsied information and concealment, 18 U.S.C. 1038-falsifeid information regarding a hoax and 15 U.S.C. 52-dissemination of falsified 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 non-monetary relief
Consumer complaint received 2022-09-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX For XXXX XXXX from citizens bank n.a. , I returned their form starting this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Synovus Bank
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
First progress card as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions Inc.
State: IN
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 recently reviewed my credit report and came upon an alleged XXXX XXXX  Bankruptcy reporting on my consumer credit report. This is an error and Experian has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy Court Northern District of Indiana notifying them of their potential violation of state and federal law by providing Experian with my private court records. I received information back from the XXXX Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged 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 2018-05-21
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Issues : 1. I would like to point out that I did not state that there are funds missing on the XX/XX/2018 CFPB complaint No XXXX. I would like to know why they are claiming that I stated that there are funds missing. 
2. Why did the manager gave me 2 small pieces of paper when I opened the accounts?

3. Banks should provide transaction receipts even though they issue bank statements. Customers are entitled to transaction receipts.

4. Union Bank should not request customers to swipe their drivers license. I have heard that drivers license could be easily duplicated. Union Bank exposed their customers to these threats.

5. Union Bank should not have issued me an ATM card with pin purchase privilege when I told them that I only want a card for deposit and withdrawal. I could have made other arrangements.

5. Union Bank responded to my previous complaints but their responses are not satisfactory.

I would like Union Bank to respond and CFPB and other government agencies like Department of Motor Vehicle and Federal Trade Commission and other agencies.

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 2023-08-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I have submitted a formal dispute letter addressing inaccurate and unproven derogatory information on my credit report and kindly request a thorough review and correction in accordance with applicable regulations.

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 2023-06-24
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: Personal information incorrect

Complaint:
If there is any name in your system that does not match the first and last names listed on this letter, it is imperative that you remove it. My only name is XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Please make sure you remove any address in your system which does not match the address listed on this complaint

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 2022-05-31
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: Account information incorrect

Complaint:
XXXX XXXX XXXX about removing late payments they reported on my account due to me having to support a family member who passed away from COVID-19. I received a letter saying they would remove the information from my consumer reports but has yet to do so.

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