BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I want to start off by saying I am a consumer of the United States of America Corporation, pursuant to 28 USC 3002 and I am aware of my rights. I recently attempted to extend my credit by doing a consumer transaction on XX/XX/2022, and was shocked when I was denied, there were a number of frivolous reasons on why you did not approve this transaction. This included you all going to third party agencies and receiving information, that I the consumer, did not grant access to, which is infringing upon my rights to privacy, pursuant to 15 USC 1681 ( a ) ( 4 ) I am protected under the FCRA ( Fair Credit Reporting Act ) and I can not be discriminated against, with respect to any aspect of a credit transaction according to 15 USC 1691 ( a ). You used my social security number, which by law is a credit card and still denied me, when I am the one doing you a favor. Pursuant to 15 USC 1602 ( g ). I am the original creditor, and lender who was attempting to extend my services to you. Additionally the use of your elaborate mechanisms that did not provide specific reasoning on why I was denied pursuant to 15 USC 1681 ( a ) ( 2 ). I would like you to be straight forward with me, as I am with you and tell me why you thought it was okay to infringe upon my right of privacy, just to reject me extending my credit to you, because there are no valid reasons pursuant to 15 USC 1681 ( m ). With all of that being said I am fully aware that I can't be denied for credit ( only insurance and employment ) you can not send me an adverse action seeing as I already completed the transaction when I did the credit application ( extended credit ) 15 USC 1691 ( d ) ( 6 ).

2. ) It's aggravated identity theft because you took my application and entered me into a consumer credit transaction ( knowingly took my l business credit application and opened up a checking account without my permission ). 
I swear that all of the information provided herein, under the penalty of perjury that the information i so affirm to be true and accurate to the best of my ability and knowledge.

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 2022-07-20
Company: Blackhawk Finance
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I recently purchased XXXX x {$100.00} XXXX gift cards, and XXXX x {$500.00} XXXX XXXX gift cards, locally at a XXXX affiliate XXXX 's store. Each of these gift cards were tampered with and compromised- which was immediately obvious only after purchasing and opening the packaging, as the cards were dirty and covered in glue and tape. None of the cards contained any value whatsoever, even though I scanned them at the register and paid for them, and the receipt shows that they were activated. Since the store policy is that all gift card sales are final, they advised me to contact XXXX corporate and submit claims to Blackhawk. I subsequently filed cases and they have refused to return my money, stating Blackhawk has denied the claim. Please reference the following XXXX case numbers : XXXX, XXXX, XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: AR
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:
These Accounts don't belong to me. Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX # XXXX, Account XXXX XXXX XXXX # XXXX, Account XXXX XXXX XXXX XXXX # XXXX, Account XXXX  XXXX XXXX XXXX  XXXX, Account XXXX XXXX  XXXX XXXX and Account 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 2022-10-03
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by Genesis this year about an unknown debt thats not mine from XXXX. Im not sure how they received my contact information. The debt theyre saying I owe, they have no proof of signature. I reached out to the company that alleged I owed this debt and they confirmed the debt wasnt mine and dont know how or why anything was sent to Genesis. Ive sent a certified letter to Genesis to show proof the debt is mine, and without proof asking for a cease and desist confirmation to have this removed from my credit report. As a result of this erroneous debt, my credit score has dropped XXXX points. Ive always taken pride in my excellent credit score and because of this its no longer excellent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
To whom it may concern, I had been a Chase customer for 2 years and done everything correctly and justly.
Then, after depositing a variety of checks in to my business account, Chase simply informed me by mail that they are closing all of my accounts, both business and personal.
We tried to get a reason for the closures, but they would not give any, nor was there anything I could do about it. 

As far as I know, there was nothing wrong with my banking activities. 

Please let me know what I can do to get my accounts and/or standing back to normal. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-29
Company: Rocket Mortgage, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Quicken Loans sent a letter of solicitation to XXXX XXXX to refinance my home loan. XXXX XXXX is my spouse, but is not a legal owner of the property being solicited. The property is located in Oregon, which is not a community property state, and public record shows that he is not a legal owner of the property and never has been. He is not on title, deed or the current mortgage. I am very concerned with Quicken Loans advertisement/solicitation practices offering an individual who is not legal owner of my home to refinance my home in their name. My name is not on the solicitation at all, it is only addressed to XXXX XXXX, along with details of my current loan amount, and an offer of new refinanced terms from Quicken Loans. This offer and their means to obtain the information seems deceptive and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: KY
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:
Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX  XXXX XXXX Balance : {$5100.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I want to report that I am a victim of identity theft/fraud. I was contacted by TD Bank on Friday, XX/XX/2022, informing me of a negative balance on my account. I told the representative that was impossible since I did not have an account with TD Bank. I was asked to verify my information, which I refused. I asked the representative to verify her information on me, which she declined. I then informed her to send me the information in writing. 

On Tuesday, XX/XX/2022, I received a letter from the bank. I immediately rushed over to the bank in my area. I was informed that TD Bank had already closed the account. Not only was the account closed, but the subject paid the overdraft fee. I was provided with information to report to the three credit bureau agencies, FTC, and Social Security fraud line. The teller also told me that I was not the only person that has reported on identity theft/fraud. The bank seems to have a high number of fraudulent activities. 

After leaving the bank, I went to the XXXX XXXX Police Department and filed a report. I was advised of the same reporting. The officer also told me that they had increased reports from individuals reporting the same situation with TD Bank. 

I contacted TD Bank Fraud Department, reported the matter, and requested more details. I would need to wait until the investigative team completed the investigation and provided me with the report, which should provide me with more information to report to the respective agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-11
Company: Experian Information Solutions Inc.
State: FL
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: Investigation took more than 30 days

Complaint:
After sending information to verify myself with my disputes, including their internal file number XXXX, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX   and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know many other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX   XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX not mine

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 2018-05-11
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX, I wrote a letter to Equifax disputing a collection account from XXXX XXXX XXXX , XXXX. from client name : XXXX XXXX XXXX XXXX XXXX. My dispute was received by quifax on XX/XX/XXXX.

They advised tha the item was investigated but it was not removed from my account.

On XX/XX/XXXX, I wrote another letter to Equifax that was received by Equifax on XX/XX/XXXX. I requested that they provide thieir method of verification as is required by the Federal Credit Reporting Act. Specifically, I asked : Who did they speak with?

What was the date?

How long was the conversation?

What was their position? What is the name of their employee that spoke directly to the creditor? and What is the position of the employee that spoke directly with the creditor.

They never provided any of the above information. They simply said that the information was verified.

As I work to get this item removed from my credit report, the above information is key to me being able to follow up effectively.

Equifax did not provide the information that I requested.

On XX/XX/XXXX, I sent another follow-up letter advising them that, as they failed to comply with Federal Regulations, they need to remove this item from my credit report. However, this item remains on my credit report.

Any assistance you can provide in the resolution of this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: SUNTRUST BANKS, INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Claiming I am in default for {$2300.00}. Which I am not only have a few payment remaining about 9 payments till house is paid off.Threatening foreclosure on house with extra fees on market analysis or appraisal that will be ordered within next few days.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
How many times do I have to tell the Credit Bureaus that the references for the late payment on these accounts are erroneous and misleading causing negative impact on my XXXX XXXX? Through a written letters sent on XX/XX/2022, I requested the Credit Bureaus for the investigation and correction of these accounts and yet upon reviewing an updated copy of my Credit report, it is clear that they have done nothing. Let me remind the Credit Bureaus that they are obliged to investigate and update these accounts per consumers requests under the FCRA regulation. The 3 credit bureaus must validate these accounts in line with the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am requesting that the Credit bureaus take their time to THOROUGHLY investigate and CORRECT these accounts to report accurate information on my Credit Report. 
1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT EDXXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT ED/XXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT EDXXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}

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 2021-03-10
Company: Commonwealth Financial Systems, Inc.
State: IL
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:
On XX/XX/XXXX commonwealth financial reported moving a negative to collection. And again reported moving the same negative to collection on XX/XX/XXXX. So this company moved a negative to collection twice to damage my credit. The problem is XXXX XXXX is already in collection on my credit for this account. Commonwealth is reporting fraud accounts on people 's credit. The medical bill is already in my account as collection but Commonwealth is trying to bill me twice. See attachment. 

Collection Agency COMMONWEALTH FINANCIAL Phone ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA Zip XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
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:
To The Fraud Department, My name is XXXX XXXX and around XX/XX/2021 I was diagnosed with XXXX XXXXXXXX. I found out that my husband used my Huntington bank debit card and credit cards to buy his XXXX lavish gifts. While I was in the hospital my husband has access to my phone, my email which is on my phone, and my wallet with my debit card and credit cards which was all left in the house when I was rushed to the hospital fighting XXXX. My husband of 20 years guessed my debit card pin to access my debit card to buy his XXXX  gifts. I have filed for divorce and I have filed a Fraud complaint on my husband of 20 years. The fraud complaint is attached in this email and I have reached out to Huntington bank to reverse the charges of {$17000.00} that was placed in the act of fraud by my husband of 20 years on his mistress. Under the fair credit billing act and fair credit reporting act I am not responsible for the charges. I just want my life and fund back this monster of a husband took from me. I am keeping a record of all emails, fax and phone calls about this case. 

I have also filled out an FTC complaint and attached it in this complaint I look forward to hearing from someone very soon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
I recently sent the XXXX credit bureaus a request to CORRECT the account from the " In Dispute '' status. I just reviewed my credit report and this request was NOT handled properly. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. This is your final chance to resolve the inaccuracies Here is the account that needs to be corrected. 

XXXX XXXX XXXX XXXX Late Date XX/XX/21

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 2020-02-17
Company: Innovis
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:
To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since XX/XX/XXXX, I have been making monthly {$120.00} payments on student loans owed to Campus Partners/XXXX XXXX that were sent to XXXX XXXX XXXX XXXX for collections. 

My XXXX credit report lists the following for the three loans in question : 1. Opened XX/XX/XXXX Recent balance {$6900.00} as of XX/XX/XXXX {$800.00} past due as of XX/XX/XXXX 2. Opened XX/XX/XXXX Recent balance {$3400.00} as of XX/XX/XXXX {$710.00} past due as of XX/XX/XXXX. 
3. Opened XX/XX/XXXX Recent balance {$9100.00} as of XX/XX/XXXX {$1000.00} past due as of XX/XX/XXXX I have contacted XXXX XXXX XXXX on several occasions to request detailed information about precisely how the {$120.00} payment is applied to each loan -- how much to the principal, how much to interest and how much to any penalties and fees -- and how each loan balance is changing based on how the payment is applied. 

On XX/XX/XXXX, via email, I received the following information : Your remaining balance is {$26000.00}. You have already paid a total of {$1100.00} towards your account. 

Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX method On XX/XX/XXXX, I asked again for details of how payments are applied. I received the following via a phone conversation. They told me it was part of their internal system/calculated internally and they could not print out or send me a PDF of this information. : 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest 7.5 % - Affiliated Loan Program XXXX, $ XXXX 7.5 % - Affiliated Loan Program XXXX, {$1.00} interest Original amounts : XXXX XXXX XXXX Late fees and interest and principle XXXX  method I have been provided no written or verbal details of what the fees and penalties are or how they are calculated. XXXX XXXX XXXX has provided no written statements or regular correspondence on company letterhead regarding how payments are applied, penalties, interest or fees.

Company response to consumer: Closed with explanation