BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have an accont with bank of America, and I lost my phone and debit card. in the process my art was used. I reported the loss to my bank, and advised them that all of my passwords and information was stored in my phone so the charges that were used with my PIN number were not mine. The bank advised me that they would place all of it in the notes to review my claim.They then denied my claim stating that because my pin was used it was not a valid claim, EVEN though Advised them my pin was stole along with all of my other important information during the original report. They did n't call. or mailer send any mail to advisement of this, I had to find out on my own. nThey said they would resubmit the claim but it will take up to 90 days when it has already been XXXX plus days. I am a single mother and use my sons social security to help pay for his daycare and the XXXX dollars that I submitted my claim for has caused my account to be in the negative for too long causing my all of my money to be tied up into this claim, due to bank of America not taking proper notes or following the law when it comes to proper time lines.

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 2017-06-28
Company: Santander Consumer USA 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:
I DO NOT HAVE A LOAN EVER WITH CHRYSLER CAPITAL # XXXX THIS DOES NOT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
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: Account status incorrect

Complaint:
XXXX and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 ( FCRA ) ; XXXX  has violated my rights. On XX/XX/2022 there was an unauthorized inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section XXXX : it also states a 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 2018-11-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX- XXXX, XXXX & XX/XX/XXXX XXXX & XXXX XXXX & XX/XX/XXXX XXXX. I spoke with them twice today once to inform them my intent to pay on a later date they stated they need a promises to pay however due to the way I get paid I can't do that but will pay when I getting paid. They called my home again at XXXX pm today and informed that I already spoke to an agent about the payment and could not make payment today and I will call to make payment and informed them to stop calling my home or I would report them to your agency

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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2019-07-25
Company: EQUIFAX, INC.
State: MS
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:
The month stated that I was late is not true. I paid the account on time until I was able to fully paid them. It is not closed/late. I pay my accounts on a monthly basis. What they report is completely INACCURATE, INCOMPLETE AND UNVERIFIABLE. Not only Credit Bureaus violated federal law by not properly investigating within the required time frame, including Negligent Enablement of Identity Fraud.. XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ( reported twice on Equifax credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: Armcon Corp
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company reported very little information to XXXX, so I had no idea what this collection was about, this has intentionally hurt my credit score and  attempts to dispute this was ignored by the collection agency. I called and talked with XXXX  XX/XX/2019 and they informed me the company was XXXX XXXX XXXX for XXXX XXXX. I paid XXXX XXXX directly. Not only does the collection agency not provide information to the consumer on the credit report, but they are also reporting this as an open account in retaliation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: SUNTRUST BANKS, 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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2021-11-11
Company: EQUIFAX, INC.
State: TN
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:
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I applied for a Capital One Savor Card. My Credit was pulled the next day. A week later I received a piece of mail from Capital One asking that I snail mail them a copy of my social security CARD, Individual Taxpayer Identification Number, and my Government Issued Photo ID - no information can be redacted. 

I am very upset that they pulled my credit, which dropped my score 5 points with a hard pull, and then asked me to verify my identity. If I had known they were going to request additional information to qualify for the card before I applied, I would have passed. 

I am now in a predicament that CapitalOne had the nerve to pull my credit, and then ask me to verify who I am. My credit should have NEVER been pulled if they were not 100 % sure I was the one to request the card. The process should be that they are absolutely sure of my identity, request documentation, and allow ME to decide if I want to continue with this application before they degrade my credit score. 

Application -> Verify Identity -> Pull Credit ; it should NOT be Application -> Pull Credit to verify it is worth pursuing -> and then request that I verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: USI Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A Mr. XXXX XXXX contacted a family member earlier today and when he was asked how he got the number, Mr. XXXX stated it was listed on his paperwork as a contact number. Mr. XXXX was informed that was not a contact number for me and not to call the number again. Immediately following that conversation, Mr. XXXX contacted the same family member once again but this time it was on his cell phone. When asked how he got the number, Mr. XXXX stated it the number was listed on his paperwork as a contact number. Again, Mr. XXXX was told that was not a contact number and was not to call the number again. Neither number Mr. XXXX called has ever been listed on any type of paperwork as a point of contact, Mr. XXXX lied. The family member called me with Mr. XXXX XXXX contact information. Upon calling the number given and entering the extension number provided, I was connected with Mr. XXXX. The call was regarding an old private student loan account with XXXX XXXX that was paid more than ten ( 10 ) years ago. Mr. XXXX insisted the only way to remove the file from them and to stop collection proceedings would be to provide a letter showing the account paid. I again told him the debt had been paid more than ten ( 10 ) years ago and demanded that I not be contacted at any number again regarding the matter. He became very ugly and informed me that they would continue to contact me. I stated that I knew the law regarding this matter and they were not to contact me. He stated he knew the law also and they would continue to contact me. I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Discovered numerous instances of fraud concerning loan, appraisal, fraud involving overcharging on insurances and property maintenance services on my mortgage loan from XXXX unable to keep up payments Property value disintegrated in collapse of real estate markets- unable to sell or Bank filed foreclosure action- XXXX but Bank did not complete and fired 2 different law firms Bank would not accept many offers of short-sale in XXXX during foreclosure process Reached stimulated agreement in XXXX that Bank would take property back Bank agreed to stipulated agreement, but never returned to my lawyer and claims they lost the settlement paperwork and then changed law firms again Bank refiled foreclosure in XXXX and now wants over 1M deficiency judgment against me despite efforts to sell or legal agreements we have reached and despite all the disclosed fraud that was found regarding the actual loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions Inc.
State: MN
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2017-10-18
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 status incorrect

Complaint:
XXXX and the other major consumer reporting agencies have been collecting, compiling and selling my personal information without my prior consent nor expressed permission. They have also been reporting adversary and or derogatory data on my consumer report. After many attempts to CORRECT these ERRORS I have not been able to and it has tremendously affected my ability to engage in the pursuit of happiness and obtain additional consumer credit and provide for my personal, family and household. They have violated my Consumer Rights and have since ignored all additional attempts to correct this matter. I demand that if the disputed alleged debt ( s ) are not UNDOUBTEDLY PROVEN, FULLY TRUE, ACCURATE, COMPLETE, TIMELY, of MY OWNERSHIP, OF MY RESPONSIBILITY, in accordance with each and every obligatory reporting regulation, mentioned here or not! COMPOSE PROOF in testimonial certificate is DEMANDED, anything less will compel me to determine your actions as HOSTILE and WILLFULLY IGNORANT to my consumer and civil rights and willfully derelict to proper reporting, a CLEAR VIOLATION of FEDERAL LAW of with I may indeed  seek and be awarded punitive monetary benefits beyond the REQUISITE RESOLUTIONS that I am here and now DEMANDING! 

I am enacting my consumer rights to compel you here and now to absolutely and permanently remove any and all aspects of untrue, inaccurate, not complete, not timely, not proven mine, not proven my responsibility, and or not proven adequately and entirely compliant allegations of credit information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I'm submitting a complaint to all 3 major consumer reporting agencies. 

XXXX XXXX Transunion The accounts and inquiries in question are below. 

XXXX specifically has admitted to giving out incorrect credit scores to lenders. This has affected my credit worthiness with lenders for mortgage and auto loans. I demand for the accounts below to be removed expeditiously because of this error. 

XXXX XXXX - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX law states that information furnished on my consumer report has to be 100 % accurate. The account information for the accounts above across all 3 consumer reporting agencies are not 100 % accurate. 

Under the laws stated below, I demand to have the late payments/charge offs on these accounts removed from my consumer report. 

15 U.S.C 1681b ( a ) ( 2 ) - states that a consumer reporting agency may not furnish a consumer report without written instructions from the consumer 15 U.S.C 1681a ( 2 ) ( a ) ( i ) - EXCLUSIONS - states that a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1681a Section 602 ( a ) ( 4 ) - states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Also, below is a list of inquiries along with the consumer reporting agency reporting them that need to be removed from my consumer report as they are not attached to any account on my consumer report and I have no recollection of these inquiries. I demand that these be removed as well. 


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 Transunion XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX TransUnion

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 2017-06-28
Company: Duncan Solutions, lnc.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am disputing the validity of the debt in whole. I did not received the XXXX violations notice from the Delaware Department Of Transportation until months later by the debt collection agency. XXXX XXXX XXXX XXXX. The violations notice were mailed to the wrong address. At XXXX XXXX XXXX. XXXX, MD XXXX. The mailing address at XXXX XXXX XXXX, on my leasing contract is XXXX XXXX XXXX. XXXX, MD XXXX. The address for, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX. I received a certify original driver license application which has a asterisk next to the address ... I have explain my situation to ( Del.DOT ) and the collection agencyXXXX XXXX XXXX ; to no avail. Which I believe are at fault for my financial dilemma/default in credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
A few months ago XXXX XXXX contacted me via email to let me know they would no longer be servicing the XXXX XXXX credit card. They offered to transfer my account to Barclays and I said no. There was a question of why and I replied I would plan to use a different card if I ever wanted to make purchases at XXXX XXXX. On XX/XX/2022 I received a credit card from Barclays for my XXXX XXXX purchases. When I called the company to tell them I did not want the credit card and had not requested the card and they went against what I told XXXX. They said they had no record of the account. They said they could not help me until XX/XX/2022 as that was when the transfer would occur. I dont believe its my job to have to follow up on this when I specifically told them I didnt want the card in the first place.

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