BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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/DEPT OF ED : # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED : XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED : # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXXDEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, XXXX XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX/DEPT OF ED, # XXXX ; ACCOUNT NAME- XXXX  XXXX, # XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX XXXX ACCOUNT NAME- XXXX XXXX XXXX, XXXX ; ACCOUNT NAME- XXXX XXXX, # XXXX ; ACCOUNT NAME- XXXX # XXXX ; ACCOUNT 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 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 XXXX 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 2019-10-23
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is on a Synchrony Card issued on behalf of Amazon. After having the card for some time, a 'security fee ' started showing up out of nowhere. It was several months before I noticed it, as I carry a balance on the card and assumed it was interest. I called the separate 1-800 number issued on the ( online-only ) statement and they were reluctant to do anything, but agreed to remove the fee. I contacted Amazon and reported it as fraud, as unauthorized charges are just that. They reversed it. It disappeared for a month or two but now it's back. There needs to be a class-action suit on these deceptive fees. The amount now that I owe on these " fees, '' of which I don't even know what they cover, is around {$50.00}. 
I will again contact the number for the pirate-fee devils, as well as Amazon. 
I hope to have it resolved. 
If it shows up again, I will contact our state attorney general, as well as the CPFB again, so hopefully it can be resolved for myself and I assume hundreds of thousands of others who shop at Lowe 's, Walmart, Amazon, etc and carry a card through Synchrony. 

Thank you.

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 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Two complaints for the same reason for two different credit card as listed below : -Capital One Credit Card : Date Opened on XX/XX/XXXX. Account Status : CLOSED XX/XX/XXXX. RE : Account Ending in XXXX -Capital One Credit Card : Date Opened on XX/XX/XXXX. Account Status : CLOSED XXXX XXXX RE : Account Ending in XXXX Actions : Account was closed at credit grantor 's request. Account was closed for no specific reason listed in terms and conditions. Closure resulted in negative remark on my credit report. Both cards were in good standing XXXX, XXXX, and current. I continue to pay a closed card and have not strayed away from my debt obligation with Capital One. However, this card was closed with no specific reasons. I filed a grievance with Capital One and all they can say is that it was an 'internal decision ' and they reserve the right to close the account. Fine! I can deal with that however they should not have the right to negatively impact my credit worthiness especially if I am paying on time and no derogatory remarks on my credit profile were ever listed by Capital One, not a 30, 60, or 90 remark since XXXX. My complaint is that I should not be held in a negative light since I have been making consistent payments to both cards and even paid off one card and I am continuing to pay more than minimum on the last card to bring down the balance to XXXX. Based on the FCRA, I feel that my right ( s ) has been violated.

**Attachment** XXXX Credit Report requested on XX/XX/XXXX | Highlighting Capital One Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was 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 that need to be investigated and corrected from 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 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 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 2019-09-12
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Applied for American Express Blue Business card which offered a 10,000 point welcome bonus after spending {$3000.00} in 90 days. After waiting some time after meeting the spend and not seeing the points post, I reached Amex. The chat agent mentioned that the " welcome offer '' was declined by Amex but couldn't explain why. This seems rather deceptive to have an offer and not notify the end user that you are declining the offer yet approve them for the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: NCC Business Services, 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 have consistently reported fraud on my credit regarding several accounts. After countless times, XXXX deleted the numerous accounts due fraudulent/inaccurate information. I called both XXXX  and XXXX  and explained transunion removed the accounts and I needed to get the steps to remove it on the reports as well. They explained they investigated the same information and it was reported accurately. At this time I need the accounts removed because it has tarnished my credit for years. I have proof of XXXX removing the accounts and asked XXXX  and XXXX  if I could send it in. However the request was turned down. Can you please investigate this so I can get my credit in order? Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Square Inc
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:
On XX/XX/XXXX, I purchased equipment from someone via Cash app for {$100.00}. After a while I suspected that I was being scammed and in my attempts to reach out to the merchant I was then blocked from getting in contact with them. Therefore causing me to believe that he didnt even have intentions of shipping the item to begin with. On XX/XX/XXXX, I filed a claim for such dispute and was guided to go about doing so through the XXXX  XXXX XXXX app. After doing so on XX/XX/XXXX, I received a confirmation email from XXXX  XXXX XXXX claiming that they have already gone about disputing such transaction with the merchants bank and that I will not have to do anything on my end. Then on XX/XX/XXXX, I received an email now claiming that since Cashapp is a third party application they can do nothing on their side at this point, resulting in a chargeback on my account of - {$100.00}. As of now I am stuck in the negatives and even with my countless efforts to reach out to Cashapp and XXXX  XXXX XXXX, all I receive is a constant runaround and it is completely unfair on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: National Recoveries, Inc.
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
National Recoveries is currently garnishing my wages. I did a forbearance and income repayment plan with XXXX.  But they still are garnishing my wages. I can't survive this every 2 weeks. I'm now also paying {$5.00} a month rehabilitation. Can something be done to stop this garnishment please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
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: Information belongs to someone else

Complaint:
I am a victim of identity theft and have file theft report. I was told that information contain in theft report would be blocked per my request. However, I requested to have information blocked and it is still showing on my credit file. I am reaching out to CFPB to assist me in resolving this matter amicably. I did open the accounts listed in this complaint. I have submitted documentation relieving me of this incident. Please assist me in anyway possible..Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
XX/XX/XXXX : I opened a joint checking account with my daughter who is in XXXX for the summer. Prior to opening the account I was told if I did an electronic transfer, money would be available in 24-48 hours. Electronic transfer initiated XX/XX/XXXX, funds received XX/XX/XXXX. 
XX/XX/XXXX : my daughter called THREE TIMES trying to get them to send her debit card to her in XXXX. Rep # 1 told her to go online and do it herself. After trying that and not being able to input the XXXX address she called back. Rep # 2 puts her on hold and disconnects her. She calls back again and Rep # 3 tells her to send a photo of her passport, which she does. He then tells her he needs to get a manager to finish helping her and puts her on hold. Manager never picks up and she is disconnected again. She is XXXX, away from home on her own, training 12 hours a day for the national team and has just spent 45 minutes of her 1 hour break trying to get help with a simple request. She calls me close to tears for help. I call ( I am the primary account holder ) and they refuse to help. They need to " speak to her directly '' even though the account is in my name as well and I explained to the manager that she does not have the free time to keep calling them. At this point I say I will just find another bank and would like my money returned. This is when he tells me that the funds will not be released until XX/XX/XXXX and I have to wait until then to close the account. So they have taken my money and are holding it several days while they collect interest on it and provide no service in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went into forbearance in XXXX of 2020 because I am a XXXX XXXX and my work was affected by the pandemic. Before I entered into the forbearance, I read about the CARES act and saw that entering pandemic related forbearance would not affect my credit, or my ex 's credit because while I own the title to the property, he is on the mortgage still. I have asked about this every time I spoke to my mortgage company and they said that our credit would not be affected. My ex has taken me to court, saying that his credit has been harmed by my forbearance. I would like to speak to someone who can explain to me the CARES Act rules about how credit is not affected by entering the forbearance program. In addition, I was told that my deferred payments would be " tacked on to the end of the loan '' which I wrongly thought meant that the loan maturation date would be changed. On Monday I found out that through HUD that deferred amount is now a balloon payment that will be a lien on the property until it is paid off, and that the loan maturation date remains the same. No one explained this as part of the pandemic forbearance process to me. I see now that I could have gone to this site and HUD and learned more, but I didn't understand that I needed to do that. My lender gave me a website to go to, but I asked and thought that it was a separate program, not the one that I was participating in so again, I didn't look. The communication process didn't ensure that I understood what was happening. I would like for someone to help me understand how that lien will affect the credit of myself and my ex, because he is seeking to force me to refinance or sell the home to get him off the mortgage, and he is saying that the lien is damaging his credit. I would appreciate understanding how the lien will affect our credit and if that is allowed under the CARES Act because it states that credit will not be affected if you enter into the pandemic forbearance program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 fair credit reporting act XXXX XXXXXXXX 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 2682 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Chime Financial Inc
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2021 Chime closed my checking account. I had multiple fraud claims which they would not investigate but chose rather to close out my account. I have been in contact with them and they have indicated they would send me a check for the balance of approximately {$900.00} within 30 days. It is over the 30 day mark and Chime does not want to issue my monies. I have chains of emails trying to get them to issue me a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: MD
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 contacted this consumer reporting agency on 2 separate occasions regarding a bankruptcy that the continually furnish inaccurately. I have not filed a bankruptcy. Despite my request they refuse to correct this issue. Besides the fact that I never filed bankruptcy they are ignoring the fact that a XXXX party can not validate an account. The original creditor which in this case would be the courthouse which does not validate any records by mail, phone, or fax. A phone system can not be used and nor can a third party such as XXXX XXXX as any information they report is considered hearsay. But this company insists this inaccurate information has been validated. I contacted XXXX XXXX and had my file suppressed and frozen so no information can be released unless I provide a pin and I have not done so in this case. So either this company is blatantly lying about this account being validated or XXXX XXXX is not being complaint with my right to suppress my information. If this is the case I am requesting that this company provide me with the documentation that they received from XXXX XXXX so that I may file a law suit against them for violating my rights. They have ignored this request to provide this information as well! Also there was a law passed on XXXX/XXXX/XXXX that states that any PUBLIC RECORDS that does not have qualifying identifying information such as a date of birth, social security number, address, etc must be deleted. Although this company tries to insinuate that this only applies to tax liens and judgments which is not accurate. This company is willfully and grossly being negligent. If I file this matter in a court of law the information I am requesting will have to be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-17
Company: Convergent Resources, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX Acc # XXXX {$16000.00}, Convergent Outsourcing Acc # XXXX {$660.00}, XXXX  / XXXX XXXX  XXXX I Acc # XXXX {$470.00}, XXXX / XXXX Acc # XXXX {$500.00}, XXXX  / XXXX XXXX Acc # XXXX {$350.00}, XXXX  /XXXX  Acc XXXX XXXX {$220.00}, XXXX Acc XXXX XXXX {$16000.00} I did an FTC report with all the items that do NOT belong to me.

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 2023-07-17
Company: EQUIFAX, 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:
XXXX XXXX opened an account around XXXX, XXXX. They are reporting a balance of {$3700.00} on my credit. They have a company called XXXX XXXX collecting. 

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the credit bureaus didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
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 is missing that should be on the report

Complaint:
Original Creditor XXXX XXXX XXXX XXXXXXXX, Account/Card # XXXX, Original Debtor : XXXX, XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, Original Debtor : XXXX, XXXX XXXX, Original Creditor XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, Original Debtor : XXXX, XXXX XXXX, These accounts have been purchased, and should reflect paid on credit report.

THE FAIR CREDIT REPORTING ACT 623.

Responsibilities of furnisher of information to consumer reporting agencies 68 ( 15 U.S.C. & 1681s-2 ) Duty of Furnishers of Information to Provide Accurate Information ( 2 ) Duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transaction or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Company response to consumer: Closed with explanation