BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: AZ
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: Public record information inaccurate

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. I noticed false information placed on my credit report. I am a visit to identity theft. and all my data has been sold to the XXXX XXXX  since XXXX. XXXX also has my knowledge on the XXXX XXXX which has destroyed my life to XXXX XXXX thaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please help because the name even my XXXX  is incorrect. i am not XXXX  I am XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

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 2023-08-17
Company: EQUIFAX, INC.
State: NC
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:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX Balance : {$0.00}, ( Original Creditor : XXXX XXXX ) XXXX Balance : {$770.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Experian Information Solutions Inc.
State: MD
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 Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : 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 XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Since my TD account has overdraft fees and overdrawn due to fake checks that scammed me in 2022, my accounts are both closed in checking and savings accounts and therefore can not be able to open not even a standard account in any of these local banks that we all use to protect our money! My account has been closed not locked but closed and banned, and this requires a solution as soon as possible because these mainstream banks are the forefront of the future and Im basically put out of it. Therefore a solution must be presented by you guys the heroes! Need you now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2023 I sent certified mail to all three credit reporting agencies and Synchrony Bank/Care Credit CEO XXXX XXXX and to Synchrony Bank/Care Credit ( XXXX XXXX XXXX XXXXXXXX ) dispute department. Stating Consumer Codes 15 U.S. Codes 1681s-2/ 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Responsibilities of furnishers of information to consumer. 

Synchrony Bank/Care Credit is reporting that the account is full paid/closed/charged off. I have requesting that this account be deleted from my credit report but is being denied. I WANT THIS ACCOUNT DELETED AS ALL OTHER CLOSED ACCOUNTS.

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 2023-06-21
Company: OneMain Finance Corporation
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
One main financial made me add life insurance to the allege account. TILA was not disclosed in terms of the sum of all things should be included. One main financial willfully and knowing violated me. Privacy was violated as well, it was not disclosed that I could opt out. My privacy was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Sub-product: Store credit 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:
In XXXX I applied for the Amazon store card with synchrony bank as they were offering a {$100.00} gift card in exchange. Not even a month later I get an email that showed a balance of $ XXXX despite the fact that I hadnt even received a physical card, nor had EVER used the credit card. I called synchrony immediately and was told they had a {$0.00} fraud liability policy and that she was going to file the dispute for me over the phone. I even got a follow up email from them. To my surprise one month later in XXXX, I got a bill for {$980.00}. I called, yet again and was told it could take up to 90 days. I was annoyed but agreed. In XXXX the 90 days had surpassed and I got a phone call asking to collect an overdue payment. I called once more, was transferred three times and when placed on hold for 15 minutes the call disconnected. No one ever tried to call me back. I called again last week finally reaching an account manager who claimed I only disputed {$100.00}. I was in tears. I had been calling them every few months and was told the claim was still being investigated just to have XXXX tell me theres no documentation of fraud. He was so beyond rude and threatened to hang up on me. He then asked me so which purchases are fraud? I told him i had no clue what this person purchased only that when i first called 6 months ago, I was told it was one {$400.00} and one {$500.00} purchase made. He then said theyd send me a statement so i could dispute the individual claims and I have received NOTHING. They claim to record the phone calls for training purposes so I asked him to review my phone calls that would solidify my claims and he laughed and said yeah, no. Synchrony bank is disgusting and looking at the other 488 complaints made in the last 6 months, pertaining to similar issues, they should be shut down. I worked so hard to raise my credit store and am STILL taking hits to my score today. I filed a claim with the XXXX  and will be involving an attorney if this isnt resolved before the new year, Please help 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 non-monetary relief
Consumer complaint received 2023-01-18
Company: Experian Information Solutions Inc.
State: NC
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:
While investigating my Experian credit file I have discovered inquiries that do not belong to me. 

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 explanation
Consumer complaint received 2023-06-21
Company: ADIR INTERNATIONAL LLC
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I learned from my credit report that someone opened an curacao account under my identity, account number : XXXX, this is fraud, I have never used it, please close this account, I have reported the incident to the police.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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:
I XXXXXXXX XXXX  have notice some unauthorized increase appearing on my credit reports. 


I did not authorize these inquiries XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX financial Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXin Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : 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 2023-12-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. 


I told Experian and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 
According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 explanation
Consumer complaint received 2023-01-18
Company: CITIBANK, N.A.
State: PA
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:
according to the Cares ACT protection, XX/XX/2020 through the pandemic ending period all Late payments were suppose to be reported to be paid as agreed. I have disputed with Macys about my late payments for the months of XXXX and XX/XX/2020 and XXXX and XX/XX/2020. I spoken to few representatives pertaining to these late payments explaining that I Had covid which caused me to become unemployed. Macys representatives refused to correct these errors.

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 2023-09-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am writing in response to the statement I received from a email from Experian indicating that you have not taken any action on my recent request regarding my credit information due to concerns regarding its origin and authorization. I must respectfully disagree with this statement, as it appears to be inconsistent with the provisions of the federal Fair Credit Reporting Act ( FCRA ) regarding the dispute process. 

The FCRA, as you have correctly cited in your statement, states that " if the completeness or accuracy of any item of information contained in a consumer 's file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' This provision explicitly affirms the consumer 's right to dispute any inaccurate information directly with the credit reporting company, without requiring the dispute to be sent directly by the consumer. 

I believe it is essential to uphold the principles of the FCRA, which are designed to protect consumers and ensure the accuracy of their credit reports. Any suggestion that disputes must be initiated only by the consumer directly contradicts the clear intent of the FCRA. 

I kindly request that Experian reconsider its stance and take the necessary steps to initiate a thorough investigation into my recent dispute as per the FCRA guidelines. My dispute was submitted in good faith and with the expectation that it would be handled in accordance with federal law. 

I appreciate your prompt attention to this matter and your cooperation in resolving this dispute in compliance with the FCRA. Please keep me informed of the progress and outcomes of the reinvestigation. 

Thank you for your assistance in ensuring the accuracy of my credit information and for upholding the rights and protections provided to consumers under the FCRA. 

I am attaching my original dispute and my documents again.

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 2023-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I recently saw an unauthorized fund withdrawal from my checking account by an account at Capital One. I received a debit card from Capital One that I did not request for or authorize making me suspect that a checking account was fraudulently opened in my name at Capital One. When I called the Capital One Bank fraud department, I verified my identity with all information they asked for. However, they refused to close account, put a fraud alert or provide any other means for redressal. I spoke to a supervisor named XXXX and despite my repeated requests to either close or put a fraud alert/ hold on the account he refused to do anything or even provide me with any clear information on what, if any, steps they will take. This was a distressing response to a serious problem. I will request your support to ensure that the fraud account is closed, I am free if liability and Capital One provides information on how they allowed this to happen and what steps they will take to rectify this in future. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In the past two months I have made attempts calling Lowes Credit card to pay my credit card in full. I have not used the online banking until today. I always called the credit card phone number and I have been serviced by representatives ( In the XXXX ) and requested my payoff amount to be surprised later that i still have a balance. The last phone call was around XX/XX/2023 when they assured me that my payment of {$700.00} was the total payoff on my account. However I opened the online banking today ( for the first time since I don't have the time and patience to go online ) to print my statement that should have shown a XXXX balance to find to my surprise that there is a charge still left on my account. This complete ineptitude, or outright ill intent or malpractice on the part of Lowes credit card is costing me a lot because I am applying for a mortgage and I must have a XXXX balance on my account. This is a major problem for me that will cost me to delay my mortgage approval and eventually cost me more since interest rates are going up shortly. 
This is not a way to treat a customer. What are they teaching the representatives, not to provide the real pay off so that they can still rip off customers charging them interest rates?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-18
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Notice to repossess

Complaint:
I received a call from the finance compy and made the promise payment. The compy accepted my payment and two weeks later tried to take out money from my account and did not have authorization to take auto payments. From the compy being blocked from my financial institution to regarding an auto payment, the finance company expressed they put a call in for a repo ( XX/XX/XXXX ) & my vechile was not up for repossession. I have an screen shot of the comy staying on the XXXX ( day of repossession ) my vechile may be up for repossession, but I did not receive any mailings or calls regarding this action. The finance compy ( Ally financial ) expressed they updated their system on the XXXX and did not inform me of any changes. I am at a lost as I can not go into my job due to having my identity or gargare information. I have many of my work materials and other personal items in the truck as well as my two special needs children devices in the vechile. 

Please assist. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX last four of VIN # XXXX XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a dispute letter with proof identity theft for the from XXXX for {$880.00} and the XXXX debt. I sent it out on XX/XX/2023 & I did my research and I sent them to all 3 credit bureaus certified mail but they acknowledged but they still havent removed it.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been nearly 30 days and you they are in violation of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in violation!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructionof the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Sent Letter to CFO of Navy Federal credit Union. I sought to pay off using the coupon. A Negotiable instrument and they refused. It but never sent the coupon back to me. Also sent a 1099A for complete payoff. Nothing heard. 
IRS RECEIPT XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-10-08
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Specialized Loan Services a XXXX old account that was payed off and closed in good standard was removed from my credit report XXXX XXXX & XXXX XXXXXXXX  and have affected my credit score tremendously. These remarks have caused me very offending harm with all credit bureaus on my report, dropping my credit score.

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