BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-28
Company: SYNCHRONY FINANCIAL
State: VI
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I submitted a letter of dispute requesting validation that I have ( or ever had ) a contractual obligation to SYNCB/CARE CREDIT based on a derogatory account on my credit reports. The certified letter was received and I never got a response from SYNCB/CARE CREDIT or an acknowledgment of the dispute on my credit reports. This was in XX/XX/XXXX. The certified receipt was not signed but was printed with the name " XXXX XXXX ''. I have recently sent another letter to SYNCB/CARE CREDIT in XX/XX/XXXX ( going on more than two weeks ) to the same following address as listed on my credit reports : SYNCB/CARE CREDIT XXXX XXXX XXXX XXXX FL XXXX This most recent dispute letter ( that was sent to the same address as the first dispute letter ) has not  been signed by by anyone and is taking several weeks to get a conformation that the letter has been received or to respond to my dispute. It appears they are avoiding my attempts to validate or remove this incorrect information off of my credit reports.

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 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
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:
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
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 2019-12-19
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: Other problem getting your report or credit score

Complaint:
I am unable to dispute information online with Equifax. They say they needed to send me some code via mail. I have not received that code. I have tried to call and get it solved but every time I call they say their system is down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
So once again Trans Union isn't paying any attention or just don't care, and I think its the later, I noticed on my trans Union report you have one account listed three times through XXXX XXXX as reported by XXXX XXXX XXXX, since you have proven conclusively in the past that you don't give a XXXX about someone who has suffered with XXXX it looks like we will just let my attorney along with the A.G. office in  both states along with the FTC handle this and make no mistake we are coming after you.

In addition to the above reference account we notice yet another account also listed as being reported through XXXX XXXX   for XXXX XXXX XXXX and this one is listed not once not twice but three times on your platform and let me XXXX guess, you didn't notice it right?

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 2021-03-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2021, I was notified via my Chase mobile app that someone had sent {$320.00} via XXXX payment to themselves via an account belonging to XXXX XXXX XXXX email - XXXX XXXX. I called Chase within 5 minutes and asked it to be stopped. Chase Fraud Prevention/ID Fraud said it couldn't stop it in time although the transaction was pending and not final on my app. Chase agreed to refund my money while they investigated after taking my statement that I did not know XXXX caused the money to be paid out for any reason. On XX/XX/XXXX, Chase claims said that they are rejecting my ID Fraud claim with no reasons and I would have to reach out. After being bounced around for 4 departments and 1 hour of waiting, a supervisor said that the investigation found that my phone had triggered the payment so there was no fraud. I could not appeal and there was no one else I could talk to. So, I am being told to pay for something I got no benefit from while the XXXX was enriched by {$320.00} of my hard earned money for no reason. I did not create an account for XXXX XXXX nor did I cause the app to pay him/her. I was told to call XXXX to put in a claim and gave me a phone number. The XXXX number that Chase provided promptly said that XXXX was not responsible for transactions that came from a bank 's app, call the bank and hung up. This happened twice.This is Chase claim number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: TX
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:
Gettingunauthorizedhard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of theunauthorizedinquiries. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2017-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I called Bank of America X/XX/17 and they would not refund the {$35.00}. Spoke to a customer service rep then a manager. I told them I would contact the CFPB I am contesting an overdraft fee of {$35.00} which Bank of America will not refund. Bank of America did cover an overdraft of XXXX on X/XX/17. <P/>Deposits were made to stabilize my account X/XX/17 So, 4 days money cost me {$35.00} which my estimate is 60 % interest on a 4 day loan This XXXX article mentions the CFPB telling customers to beware of this fraud XXXX XXXX XXXX Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
State: MA
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:
Macy 's corporate office XXXX XXXX XXXX XXXX XXXX, OH XXXX and and XXXX XXXX XXXX collection agency TO STOP AND DECEASE from harassing me for an account I know nothing about. A negative amount balance of {$1600.00} has been erroneously reported on my credit report for more than 7 years. 

Its a Disgrace how These multimillion dollar companies and collection agencies come after the those working poor and/or the unemployed. The credit report stated I open the store account on XX/XX/2022. 

I have not open any store account during the entire year of 2022 prior or after.

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 2018-12-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was a tenant at XXXX XXXX XXXX in XXXX. I actually only was a tenant for a month. I moved with permission and I continued in good faith to pay the rent though I did not live in the apartment until a suitable tenant was found. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX in XXXX suffered no loss from this and I paid thousands for a property I did not live in. The company sent a claim to collections out of the blue, in XX/XX/XXXX - more than one year later - and claimed that I owed them a penalty payment that was written into the contract for breaking the lease. Some kind of reletting fee that is extremely excessive and is very unfair to the tenant as the tenant has no choice but to sign and approve all of the terms presented though they are clearly taking advantage of people and their position as a landlord. Most of all, I was told by the property manager that I would not have to pay this obviously outrageous charge of almost {$1000.00} as a cancellation fee. XXXX XXXX XXXX XXXX parked this debt after verbally telling me that I would not have to pay for it and has taken advantage of their position and my health condition. I contacted the property and spoke with XXXX XXXX who said she could not help me. She referred me to XXXX XXXX and I contacted her on XX/XX/XXXX & XX/XX/XXXX with no response. I wrote a certified letter on XX/XX/XXXX. I was ignored. I sent an email to the company 's general counsel XX/XX/XXXX and he didn't bother to contact me. I spoke with Ms. XXXX briefly on XX/XX/XXXX and0 she assured me that she would look into it and has refused to call me back though I called her to follow up and request a letter of deletion on XX/XX/XXXX and XX/XX/XXXX. This has very negatively affected my credit, very negatively impacts my ability to rent an apartment in the future and it is grossly unfair for them to park the debt and just put it on my credit without recourse. I have worked very hard for the last 5 years to keep my credit score up despite many medical problems and bills etc. XXXX XXXX XXXX has carelessly damaged my credit, my ability to rent a property and they absolutely refuse to give me the courtesy of calling me back. They are unprofessional and predatory and they should be investigated for their taking advantage of tenants. 

I have had very severe physical illness for several years and despite my health and financial challenges, I did the right thing and paid this company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 Number : XXXX Account Name : XXXX  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 2022-01-15
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
It appears as though Midland Credit Management has violated a XXXX ruling against the company by the Consumer Financial Protection Bureau in XXXX by making threatening statements to consumers by threatening to file a lawsuit against them yet they fail to provide the burden of proof of debt of the original credit card agreement, proof as to who made the purchase, and proof as to who opened the account. All what they provide is a credit card statement that can be easily forged. The verbiage " we intend to file a lawsuit '' to me is a threat which to my understanding is a violation of the CFPB and is seen as an intimidation tactic with the sole purpose of intemidating a person into paying for a debt that they failed to prove. There are other areas in this letter that to me is a red flag for a scam such as " including the attached documents '' which by not providing everything that they have to me is a scam and or immediation tactic to get someone to pay for a debt that is not theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I called Truist on XX/XX/XXXX and talked with XXXX XXXX about flex modification on my mortgage. She advised me that I would go into forbearance for four months, after a three month trial period, Then she stated that my mortgage would be stretched out for 40 years and that the rate would go down a point ( currently XXXX - XXXX = XXXX ). I called Truist XX/XX/XXXX and was told that I successfully completed my trial, and that the modification to my loan is now 40 years and at the rate is XXXX. That has been my rate ever since I got the loan in XXXX. They told me that it would be dropped one point which would be XXXX. I called Truist and gave them dates, times and the people I talked to that verified loan would be modified to 40 years and drop a interest point. Truist said it will go through the recordings, and even if Im right that they still arent going to honor quoted rate. I had 3 different Truist representatives verify my rate would drop on phone calls 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 2022-10-18
Company: Experian Information Solutions Inc.
State: NJ
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:
After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/XXXX. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 
XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : 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 2018-12-21
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:
Experian, XXXX  and XXXX  have all failed to provide validation of public records listed in my files under my name and social security number. I have reached out to all 3 credit reporting agencies and they have failed to provide requested information. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file. The United States Bankruptcy Courts of Atlanta DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, Experian, XXXX  and XXXX  actively searches public records for any judgments and tax liens through third party research. A Bankruptcy is public information. Again the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcys through third-party research. Please see the attached documents to support my findings. I have reached out to The United States Bankruptcy Court and received a letter in return stating The Clerks office does not provide information to credit reporting agencies. XXXX has not provided any feedback on my request to validate public records. I have attached all supporting documents reflecting the last communication from XXXX regarding inaccurate information reporting on my file. Once again XXXX  has reported inaccurate information on file credit file. XXXX   has not provided any feedback on my request to validate public records. Experian has not provided any feedback on my request to validate public records. Please see my attached documents.

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 2023-08-09
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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