BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-20
Company: SYNCHRONY FINANCIAL
State: TN
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:
I have disputed SYNCB/BP, Account XXXX multiple times across all three Credit Bureau and they have failed to annotate my account was " in dispute. '' Per Fair Credit Reporting Act ( FCRA ), when you file a dispute with the credit reporting agencies, they are required by the FCRA to show that the item is in dispute. They accomplish this by placing the code XB on the offensive credit entry. The XB code is whats referred to in my world as a Compliance Condition Code. When its placed in your credit report, it reads as Consumer disputes, investigation in process or some derivative of that wording. 

Since this has happened multiple times over the last year I want this account " DELETED '' across all Credit Bureaus due to the misrepresentation of the data on my credit file, impact to my FICO and increased in interest rates over the last year. There is no telling what else is not in compliance.

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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here is the account that need to be removed from my file : 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 2023-06-08
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
US Bank took over Union Bank of California. I downloaded the US Bank app and put in my information. It was confirmed and I was using the app. Then a few days later, I couldn't log in, getting a message that my account information was " unavailable. '' After a few days of the same message, I called the phone number listed on my " unavailable '' message and WAITED 20 MINUTES ON HOLD for a rep. The rep, who was very friendly, said that my account was " flagged '' because they were unfamiliar with me. She said it would be accessible again in a few days.

That was almost a week ago, and I STILL CAN NOT access my accounts through the app.Today I logged into the desktop website, and the message said that my user name was discontinued. 

WHAT IN THE XXXX IS GOING ON? WHY AM I BEING TREATED LIKE DOG XXXX? 
I NEVER ASKED FOR THIS STUPID MERGER, AND NOW I CAN'T HANDLE MY ACCOUNTS LIKE I USED TO. THIS STINKS!!

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 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. 
XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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 2020-01-10
Company: JPMORGAN CHASE & CO.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
CHASE AUTO XXXX AND XXXX XXXX KEEPS CALLING MY NO.XXXX, 11 CALLS FROM Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have mailed out a letter asking for validation on XX/XX/19. Im waiting on a response from the company. I keep receiving multiple calls throughout the whole day and I have asked for this to stop. They continue to calm me repeatedly without responding to my mailed correspondence. A letter to cease will be mailed next.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Being charged for a fraud charge after contacting them serval times they final closed the card but are still asking for payment for something I never received I had tried to purchase a tv and XXXX XXXX from XXXX XXXX XXXX XXXX they claimed the was hold funds from credit card company I tried reach to bank they claimed the funds were in mean time no order was ever processed I am being charged for fraud charge I had contact them more them I should I have to try get this resolved and they say I still have pay balance when I nothing to show for it how is this even legal this was from synchrony home card They cloaked the card but are still asking for money for merchandise I never received I told them I didnt get no tracking information to prove that I have it I was scammed from retailer they recommended on there site now I am out for a cost XXXX I feel that is illegal and fraud how can you have someone pay for something they never got

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 2023-01-17
Company: Experian Information Solutions Inc.
State: MA
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:
On XX/XX/XXXX I contacted Experian about the following negative accounts US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$3400.00} ), ( US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1100.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$1800.00} ), US DEPT OF EDUCATION ( Date Opened : XXXX XXXX, XXXX, Balance : {$2200.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), DEPT OF ED / XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2020-01-10
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My LexisNexis motor vehicle records are not correct. My driving record is clean and I have a Certified State of Illinois report to prove it. I have called LexisNexis numerous times to have this information removed from my file. They tell me they are filing a dispute but nothing ever comes of it. This is old in-accurate information that should be expunged or vacated from my file. Please feel free to fine them for the blatant attitude they display.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once

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 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am writing to convey my profound frustration and disappointment concerning the lingering presence of charged-off accounts on my credit report. I have previously raised disputes regarding these accounts on multiple occasions, offering comprehensive explanations regarding the Fair Credit Reporting Act ( FCRA ) violations perpetrated against me. In this complaint, I have gone the extra mile by accentuating these violations with supporting exhibits and attached documents. Despite my persistent efforts to address this issue, these charged-off accounts persist on my credit report, inflicting significant harm on my financial reputation. I strongly implore you to conduct a thorough investigation into this matter, rectify the FCRA violations, and ensure an accurate reflection of my financial history in my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$190.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}.

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
Consumer complaint received 2020-01-10
Company: CITIBANK, N.A.
State: PA
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:
Fraudulent charges not taken off the card after i followed all protocol citi customer service has blocked issued and was suppose to take them off of my card and all XXXX dollar return fees are still being XXXX  and my credit report is still not fixed.

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 2022-02-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
My information was used without my permission to multiple companies this was the letter I got a call from that number from XXXX XXXX he was impersonating him i can only guess. They took all my information from that call and now this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Opened an checkings account with XXXX  on XX/XX/18. Afterwards I noticed I couldn't enroll on the online banking website, so I immediately contacted XXXX. XXXX  told me that I needed to speak to my personal banker because they said it was a block on my account to keep me from enrolling on online banking. I talked to my personal banker on XX/XX/18 and he told me that a company called XXXX XXXX XXXX  said they have me for check fraud and that XXXX  were going to enclosed my checkings account. Let me also add that I've never ever heard of this company nor have I ever did business with this company. My banker gave me the number to contact them. I contacted them and they told me I have check fraud with Bank of America on XX/XX/2018. Please help me. I've never been in a situation like this before and I feel like someone's trying to steal my identity.

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 2023-09-07
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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 2022-02-20
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: Public record information inaccurate

Complaint:
Chapter XXXX Bankruptcy Experian furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, Closing Date XX/XX/17, XXXX/ XXXX XXXX XXXX  XXXX  XXXX XXXX furnished Date Filed/Reported XX/XX/2017, Ref # XXXX, XXXX XXXX There is inconsistency furnished across the bureaus and incorrect dates.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I am writing to formally dispute the inaccurate balance reporting on my credit report by XXXX XXXX. The account in question should have a XXXX balance, yet XXXX XXXX is reporting to all credit reporting agencies a balance and continues to report an incorrect balance. This inaccurate reporting negatively impacts my credit history and must be updated immediately to ensure the accuracy of all my credit reports, as mandated by the Fair Credit Reporting Act ( FCRA ) and other relevant statutes. 


I request a thorough re-investigation into this matter, adhering to the guidelines set forth by the FCRA and other applicable statutes. The following concerns highlight the inaccuracies in the current reporting : Failure to Reflect Correct Account Balance : XXXX XXXX is reporting a balance on the account, while the account balance should be XXXX. This inaccurate reporting is consistent across all credit reporting agencies and is damaging my credit history. It is essential to rectify this discrepancy promptly to ensure the accuracy of all my credit reports, as required by the FCRA and other relevant statutes. 


Non-Compliance with FCRA and Statutory Requirements : The inaccurate reporting by all credit reporting agencies, constitutes a violation of the FCRA and other applicable statutes, which mandate that credit reporting agencies report accurate and up-to-date information. It is evident that the reported balance is incorrect, and it is the responsibility of both XXXX XXXX and all credit reporting agencies to correct this mistake in a timely manner. 


I demand immediate action to rectify this situation, in compliance with the FCRA and other relevant statutes. Specifically, I request the following : Coordinate with XXXX XXXX : The XXXX XXXX account balance must be accurately reflected as XXXX, given that there is no outstanding balance on this account. 


Provide Written Response : I expect a written response regarding the results of the re-investigation and any actions taken to address this dispute within the timeline mandated by the FCRA and other relevant statutes. 


Remove Inaccurate Information : Should it be found that the reported balance is indeed incorrect, I request a prompt update of a XXXX balance be reported on my credit report. 


I also request updated copies of all my credit reports reflecting the corrected balance and the removal of any inaccuracies as a result of this dispute. 


Your immediate attention to this matter is crucial.

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 2023-08-14
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was charged for a piece of equipment from my former cell phone company that I returned via XXXX. I received a bill for the piece of equipment on XX/XX/19 and contacted the company advising that I would be returning the equipment that weekend and to please note my account. I was told that my account would be noted and that my account would be credited to reflect a XXXX balance when the equipment was received. The equipment was received by XXXX on XX/XX/19 at XXXX XXXX I received a letter from a debt collection agency dated XX/XX/19. This debt was not even 30 days old and was turned over to collections and now the original cell phone company AND the collection company fail and refuse to reflect a XXXX  balance on my account although they HAVE received the equipment and confirm that they have received the equipment. This should NEVER have been turned over to collection as the alleged debt was NOT in excess of 30 days in arrears AND I had already contacted XXXX and advised that the equipment would be returned. In fact, XXXX is the one who provided the XXXX shipping label.

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 2023-08-10
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 # XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, have 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