BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NV
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:
After reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. EXPERIAN is reporting Utilization on multiple accounts. 
LATE PAYMENT ( XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX XXXXXXXX 54 % XXXX, XXXX 21 % XXXX, XXXX XXXX 7 % XXXXXXXX XXXX XXXX XXXXXXXX 87 % XXXX, XXXXXXXX XXXX XXXX 17 % XXXX XXXX  XXXX 92 % XXXX, XXXX XXXX XXXX XXXX 98 % XXXX XXXXXXXX XXXX XXXX XXXX 79 % XXXX, XXXX XXXX XXXX XXXX 12 % XXXX, XXXX XXXX XXXX 84 % XXXX  and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave EXPERIAN written instructions to report anything to my consumer report, let alone this late payments/utilization. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to EXPERIAN violated my consumer rights by allowing these late payments/utilization to report to my consumer report!

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 over several letters to Transunion disputing inaccurate information that I discovered to be on my credit report costing me {$80.00}. These inaccuracies are not a joke as this issue has prevented my family from being able to build our home amongst other devastating issues that has come up. I sent a letter to credit company asking them to review the data that they have on file for me to ensure that it is accurate and complies with FCRA and Metro 2 reporting requirements. I also ask that they send their written response to my home 's mailing address. 

As of today XX/XX/2023, I have not received any written responses in regard to my disputes that I sent in. According to USC 1681i ( a ) ( 1 ) ( a ) " if the completeness or accuracy any item of information contained in a consumer 's file at a consumer reporting agency directly or indirectly of such dispute, the agency shall conduct a investigation to determine whether the disputed info is inaccurate and record the current status of the dispute information and/or delete the item from the file before the end of the 30-day period. '' Transunion failed to follow this law.

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 2020-08-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I'm writing in respond to case number XXXX. I did not understand why my case was closed without Synchrony card conducting any investigation other than receiving a contract signed. I never received a call or letter asking me for any documents or proofs in order for Synchrony to take a final decision against my favor. 

Synchrony never provided me any proof of service delivered other than a contract signed and a letter from XXXX. 

XXXX XXXX Merchant ) sent a letter to Synchrony letter attached saying that they delivered architectural plans, please I requested from Synchrony to provide me those formal documents since XXXX has not send any documents to me. Architectural plans needs to be certified by a licensed architect and approved by me with my signature. 

I never requested architectural plans as you can read in the contract provided by XXXX, architectural plans was never quoted. 

In order to work on the property, the City of XXXX needs to approves the architectural plans. Please Synchrony gets these documents from XXXX. 

If XXXX has bought material why the material was never deliver to me? Does XXXX provide proof of any material delivered to me and for what amount? and what kind of material? 

XXXX offered free estimate in their website XXXX why a walk through is now taking in consideration for the {$25000.00} payment? 

I never cancel a contract please provide a proof that XXXX has send you that I had stop the project? and for that reason 30 % cancellation fee was enforced? 

Too many inconsistency that Synchrony is not providing to me that they conduct an investigation and that the merchant is providing enough proof to justify taken {$25000.00}. and from Synchrony to take a decision against my favor. Only a contract signed is not a proof of service delivered. 

If Synchrony is validating the contract as a proofs of services delivered to me, therefore Synchrony bank is saying that fulling understood the terms and conditions of the contract and that it is assuring I received and I approved architectural plans, that I received material for an unspecified amount, and that I formally stop the project and for that reason I need to be enforced 30 % cancellation fee. 

I will wait for your further investigation resolution. I'm attaching the appraisal I executed to demonstrate the condition of the property and that I never received any services from XXXX. 

Thank you, 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 monetary relief
Consumer complaint received 2023-09-08
Company: U.S. BANCORP
State: KS
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:
provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Case : XXXX XX/XX/XXXX letter to me, thanks for letter Again my gripe is I can not communicate by email to Capital as never is there an email to me, it is only ONE WAY communication ( Capital to me ) so I must go thru cfpb to get to Capital One I have previously sent NOT FIT TO FLY and some hospital and doctor bills I have had treatment of XXXX XXXX XXXX XXXX XXXX  and several doctor comsutations along with meds and all invoices I can send complete full invoices if asked XX/XX/XXXX XXXX XXXX to XXXX has been refunded by XXXX ( platform bought flight going ) XX/XX/XXXX is XXXX to XXXX {$150.00} ) on XXXX for return trip Let me know if you need all documentation to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX  I paid {$40.00} via PayPal for 2 tickets to be sent to me via email. The seller said that a name change needed to be done on the tickets that would be {$10.00}. I asked for a screenshot for proof and they blocked my contact so that I cant contact them again. 
I have screenshots for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: SANTANDER HOLDINGS USA, INC.
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently disputed the information showing late payments because it was affecting me from getting housing. However I have been XXXX days late due to recent separation/divorce. Now Santander Consumer is reporting that I have missed payments all the way back from XX/XX/XXXX. This information is inaccurate. And I would like for the inaccurate information to be removed. I have proof that I havent missed payments since XX/XX/XXXX. I will reach out to my bank to get proof of payments from XX/XX/XXXX to XXXX XXXX. I will attach XXXX till now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 convergent account XXXX XXXX XXXX XXXX account number 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 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 non-monetary relief
Consumer complaint received 2023-01-29
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for XXXX relief during the pandemic as we were struggling to make payments. Wells Fargo offered forbearance terms and stated that they would just put the missed payments on the back end of the loan. Our payments were about {$1800.00} per month and we took the forbearance period of the XXXX  months or so that was allowed. 
Well Fargo added {$30000.00} to our original loan amount. We paid {$330000.00} for our home and they raised that value to {$360000.00} and added XXXX  years to our mortgage. We now have a XXXX  year mortgage instead of XXXX. 
They have also raised our payments multiple times since we started paying again. We have contacted them several times and haven't had any luck. This is criminal to a hard working family of XXXX. 
We were told the forbearance was federally assisted and our terms wouldn't change.

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 2023-01-29
Company: Experian Information Solutions 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 have repeatedly sent factual disputes to Experian concerning these accounts. Im the victim of identity theft and I dont recognize one or more of the accounts on my report. Yet accounts are still being reported inaccurately. I have tried using their upload documents feature to send information. There is no way a real person is looking at these unverified accounts. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because I am a victim of this i have rights and they should not continue to be violated. 
Please block and remove 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. 

There is a attached copy of A copy of my Identity Theft Report

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 2023-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}

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 2023-09-08
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE THE ITEMS I NEED DELETED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT

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 2023-12-06
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XX/XX/ I received an email from Frost bank saying account was registered. And debit card is on its way. After an hour I received a call from Frost bank asking did I open an account with them and I said no. They asked me to complain in this website regarding this issue. And also they said they closing the account. 
But I think my email is comprised. I been getting activation links from different companies. More than 15.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Prosper Marketplace, Inc.
State: MO
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
In XX/XX/2022, someone took out a {$3200.00} personal loan in my name. I have never spoken with Prosper. I have no knowledge of this transaction. Prosper has not provided any proof that it was me who took out this loan. They have taken out 8 monthly payments of {$140.00} each. I have been in contact with Prosper since XXXX. From XXXX til XXXX, they said they would investigate and get back to me- it never happened. In XXXX, I tried to stop the payments through my bank. I had to close that account and start a different account. They have asked for identity theft paperwork and for it to be notarized. I have mailed it 3 times and emailed it once. 
Each time I call to check on the progress, they ask for more paperwork. I am currently waiting to pick up a police report. I will get the police report, driver 's license, and tax bill as proof of my residency notarized after I pick up the report and then mail it. 
Currently, Prosper is posting negative things about me on my credit report. 
Thank you for your 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 explanation
Consumer complaint received 2023-03-23
Company: Avant Holding Company, Inc.
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I got a email about a loan in the amount of XXXX from this company so I called and they wanted me to allow them to deposit money in my account then to send it back by XXXX they wanted my login names and passwords to my checking account I declined the loan because it just doesn't set right with me allowing to send money then they want me to send it back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I submitted a dispute on XX/XX/2023 with transunion because they are reporting an eviction record that was not only dismissed but VACATED! They sent an updated report on XX/XX/2023 but all they did was change the filing type when this record should removed and not appear at all.The update they provided does not accurately portray the courts decision and the documents provided. They are also showing a judgment amount when I dont owe any money! The case was dismissed and vacated most importantly which means the record needs to be removed. I am very upset because this record is preventing me from obtaining a new apartment and I will be suing if this is not resolved satisfactorily.

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 2023-01-11
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.The account below needs to be corrected : XXXX  XXXX XXXX

Company response to consumer: Closed with explanation