BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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

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 2023-04-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Below is my validation request for Synchrony Bank. 

To Whom It May Concern : In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of both debts listed by your company. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt. 
The agreement bearing my signature stating that I have agreed to assume the debt. 
A complete and correct social security number that may help identify me as the party you are collecting from. 
A copy of the government issued Identification presented to incur this debt. 
Valid copies of the debt agreement stating the amount of the debt and interest charges. 
Proof that the Statute of Limitations has not expired. 
Complete payment history on this account along with an accounting of all additional charges being assessed. 
Show me that you are licensed to collect in my state ; and Your license numbers and XXXX XXXX. 
A purchase agreement or assignment from the original creditor to your company. 
Proof that this debt has not been written off as a tax liability and no 1099-C form received by the original creditor. If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.

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 2022-01-17
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Recently I reviewed my credit report and noticed inaccuracies, on XX/XX/2021 an inquiry was made on my Experian and XXXX accounts by XXXX I do not recognize this inquiry as one that I have authorized and fear that personal information pertaining to me may have been compromised. I have contacted Experian and XXXX to report the inaccurate reporting and have received no response. I have also contacted XXXX XXXX numerous times to demand the removal of this unauthorized entry, I have also received no response to any of my letters from the creditor. I will be satisfied if this inquiry is deleted from my report immediately, as it has damaged my reputation, affected my credit score, and hampered my ability to obtain credit.

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 2021-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Problem with balance transfer

Complaint:
On XX/XX/XXXX, my father requested balance transfer {$3500.00} from his own Bank of America account to XXXX and XXXX. Bank of America transferred {$3500.00} from my account instead of my father 's own account. My father was my account 's authorized user but haven't received credit card since 2015. I still have my father 's unused/inactivated card since 2015. He doesn't have new card 's expiration date and security code. When he requested balance transfer, the only information he had is his own account number. I confirmed from him that he wanted to make balance transfer from his own account. 

I contacted Bank of America and opened case on XX/XX/XXXX. Bank of America freeze the account and send me another card with new credit number. 

I received alert from Bank of America apps that someone used my new card which I have never received to make a transfer thru XX/XX/XXXX. 

I contacted Bank of America again this morning about XXXX transaction. Bank of America declined this transaction and promised me that I will receive a new card. I requested the results of {$3500.00} transfer investigation. Turned out that Bank of America itself was the fraud. To maximize the profit, it make sense to use my account instead of my father 's own because I have XXXX balance and higher limit. 

I spend 5 hours on the phone with multiple department today, no one is going to refund my money after it has been transferred illegally 36 days. Bank of America even charged my {$140.00} transfer fee. Both Fraud department and Sales department refused to escalate this case, both department stated that higher level management were not available.

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 2019-11-14
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EOS CCA is ignoring instruction from XXXX to remove a collection account that has already been proven the result of identity theft. XXXX has proven that they have continuously notified EOS CCA since XX/XX/XXXX that my account has been established as fraud and to withdraw this collection. I have repeatedly called EOS CCA throughout this week, and they continually refuse to acknowledge that their CONSUMER RELATIONS DEPT. has any receipt of instruction from XXXX to close the account. EOS CCA continues to pursue my payment of a debt that I do not owe and has long ago been established as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I played at XXXX. I deposit a total of {$3000.00}. During those deposit I want to cash out for {$1700.00} the site would not let me. I reached out to a chat rep name XXXX. She stated I could not cash out cause they put a bonus on my play. I explained I never authorized the bonus nor did I use a bonus code. XXXX stayed when they run promotions they automatically add bonus and I could forfeit the bonus but I would also loose all my winnings. I explain this is illegal you never notified me that a bonus was being put on. So I had to wager around {$300.00} which I did I then went to cash out. XXXX add another bonus so you could not cash out again. I called Chime and explained this is a scam you will not be able to cash out they just want you to keep depositing. I want to dispute the charges. That rep put in for unauthorized charges. I explain I did not understand why he was doing that as unauthorized charges. I then got a email from them stating under XXXX XXXX no credit would be given. I called Chime that day spoke to a rep explain based on this XXXX XXXX the XXXX XXXX XXXX filed the dispute wrong. So he told me he fixed it. Yesterday on XXXX XXXX my claim was denied caused it was never changed they still had it under unauthorized. I spoke with XXXX reps the last rep told me he put it in for a rebuttal and fixed the dispute reassign to scam. I explain to them many times if they calls are recorded they would get me telling the XXXX XXXX rep why is he doing unauthorized dispute? I trust chime to put this claim in the right category they are my banking. But they did not. Now my claim is being denied. I was scaled out of this money. If the claim was done right from there rep this matter would of been looked into.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
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: Information belongs to someone else

Complaint:
I am a victim of fraud on XX/XX/2022 my personal information was used without my consent, I contact Equifax and explain what happened I was told they would investigate and was giving a conformation # XXXX. A few hours later I receive a email saying everything was accurate. I did not apply for a card from XXXX XXXX  XXXX but Equifax is saying I did knowing I am a victim of fraud please have them remove the inquiry that was fraud on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: Global Lending Services LLC
State: CA
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:
XXXX  has been non-compliant with removing the unverified account GLOBAL LENDING SERVI which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that GLOBAL LENDING SERVI was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/18 I mailed a {$40.00} check to my sister, XXXX XXXX which she never received. I did not put a stop payment on the check as she is my sister. On XX/XX/18 I noticed the check cleared my M & T Bank checking account. I checked with XXXX XXXX and she had still not received the check. When I printed a copy of the check it was signed by XXXX XXXX, an individual unknown to XXXX XXXX or myself. On XX/XX/18 I filed a fraud dispute with my bank ( M & T Bank ) for a check that was false cashed by XXXX XXXX XXXX. I was advised it could take up to 60 days and later told up to 120 days, I have been told repeatedly by M & T Bank that they are waiting on XXXX XXXX XXXX to respond to their request. It has been over 6 months and no response.

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 2023-07-19
Company: W&A Intermediate Co., LLC
State: OH
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:
I did not get any loan from this company. I believe someone used my identity to get the loan. I want this off my credit and resolved since it is affecting my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
The Bank is giving out my banking records to people who walk into the bank and ask for it. I judge has previously issued a protective order instructing them not to give out any information on my personal banking accounts that are not jointly held with my mother XXXX XXXX. In addition to give the information to other people they have refused to give my a list of what they gave out and to who. I have recieved copies of my personal soley owned account from two different people and I am not sure who else they have given it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Dovenmuehle Mortgage, Inc.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The mortgage loaner Dovenmuehle hasn't reimburse me the 2017 Real Estate Property Taxes over payments for the amount of {$1200.00} as describe in the RESPA Page 21 title Shortages, Surpluses, and Deficiency Requirements 12 CFR 1024.17 ( f ) The servicer shall conduct an annual escrow account analysis to determine whether a surplus, shortage, or deficiency exists as defined under 12 CFR 1024.17 ( b ). If the escrow account analysis discloses a surplus, the servicer shall, within 30 days from the date of the analysis, refund the surplus to the borrower if the surplus is greater than or equal to {$50.00}. If the surplus is less than {$50.00}, the servicer may refund such amount to the borrower, or credit such amount against the next years escrow payments. These provisions apply as long as the borrowers mortgage payment is current at the time of the escrow account analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Franklin Collection Service, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a debt validation letter to Franklin collection services asking for the original signed agreement an my hippa release an they never responded an continue to report to my credit report. They continue to put unvalidated information on my credit report an have all my medical information without my hippa release. They put 8 collection on my credit report {$930.00}, {$660.00}, {$460.00}, {$380.00}, {$350.00}, {$300.00}, {$190.00}, and {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one recent shows my balance at {$160.00} and one recent shows I made several payments in XXXX, XXXX, XXXX and even XXXX? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.

Company response to consumer: In progress
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
Company: EQUIFAX, INC.
State: IL
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 firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Specialized Loan Servicing Holdings LLC
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing company Account Number : XXXX I make additional ( double payments {$460.00} ) each month since I have been making payments on this loan. The Specialized Loan Servicing company is placing my addition principal payments in Unapplied/Suspense and so I'm accruing addition interest when the additional principal payments should be reducing the principal and thus eliminating additional interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
See Complaint # XXXX. 
See Complaint # XXXX. 
It's going on XXXX months, and Comenity Capital Bank has failed to properly look into a dispute I put in over a {$100.00} fraudulent charge. They have not contacted the motel which falsely claims that I 'took towels. ' They have not asked them for any proof of this. Instead, Comenity Capital Bank has just apparently decided it's easier to side against me ( without any formal letter of explanation ), and has already contacted the credit agencies which have now wrecked my excellent credit record! 
This bank is horrible in the way it does business!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2023-07-19
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XX/XX/2023 XXXX I reported the fraudulent charges first to the merchant. They verified that this was not my account but refused to resolve the matter. Then I reached out to their arbitration team and they did not respond to my message. Then I contacted my bank, Chime, to dispute the charges. They denied my request for a refund twice. So now I am escalating the issue.

Company response to consumer: Closed with explanation