BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: KS
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 EXPERIAN NAME : XXXX A XXXX XXXXXXXX XXXX : XXXX AND XXXX XXXX XXXX KS XXXX ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX  XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS 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 ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX EMPLOYERS : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-07-01
Company: EQUIFAX, INC.
State: KS
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

EQUIFAX ADDRESSES : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : 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 NAME : XXXX A XXXX  XXXX XXXX : XXXX AND XXXX XXXX XXXX KS XXXX ADDRESSES : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX COLLECTIONS 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 ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX EMPLOYERS : XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX COLLECTIONS : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On XX/XX/2022, I was alerted about suspicious activity on my TD Bank Credit Card. A transaction of {$1300.00} at XXXX ( this was a transaction that I didn't make ) I replied and alerted TD Bank that it was " fraud '' and the card was disabled. 

My statement listed 5 transactions that was made around the same time, all fraudulent activity and unauthorized purchases. 

I spoke with a TD bank and told them the situation and informed them that I have had the card in my possession the whole time. It was not stolen or lost. They opened a case and assured me that they will cancel the suspicious transactions that I did not make. They apologized for the inconvenience. 

On XX/XX/2022 I received a letter saying that the case was dismissed and that I was responsible for 2 of the 5 transactions. This is because the transactions were completed by chip and there was no way to duplicate the chip. Since the card was not stolen and is in my possession, this meant I was responsible for the transactions and I would have to pay the bill. 

I called the number on the letter to understand what happened because I could not have completed those transactions. I haven't used my card in about a year and the transactions were far from home. One was for XXXX XXXX XXXX XXXX ( I do n't drive ) and the other was for " XXXX 's '' ( I've never had XXXX 's before ). The 2 transactions totaled up to {$81.00} I was on the line for about XXXX mins before I got someone on the phone. When I finally spoke with someone and told them my story, they said they will look at the case again. 

A few weeks have passed and I realized I haven't gotten an update. So I called again. After sitting through a XXXX minute wait time, I got someone on the phone that reiterated that I was responsible for the charges and that there was nothing he could do. It then escalated to a supervisor who was very clear that TD Bank will not do anything for me and that I was responsible for the transactions. There was some back and forth, the supervisor told me that the only thing I can do at this point is file a police report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I moved to XXXX and the bank in the USA can not allow me to access my money nor close my account. I have spent countless hours on international long distance phone calls including sending my proof of identity via Passport upload but they refuse to do anything to help. They have over {$390000.00} of my money that I can not access.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This account ( XXXX XXXX ) belongs to a person with a similar name. My name is XXXX XXXX. XXXX XXXX. The account is in the name of XXXX XXXX. Its a similar Name, but does not belong to me. The address is not the same. Ive contacted Experian several times to have them send me the info they used to verify the request ( ID, Address docs etc ) and they sent nothing. This collection of affecting my credit Substantially. I need this removed from my account asap

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 2023-08-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit 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 have been in contact with the XXXX Synchrony Bank, since XX/XX/2023, I called due to some transaction that did not look familiar with my account and reported it as fraud. 

I reported transactions on XX/XX/2023, and XX/XX/XXXX, XXXX I did not authorize for or did not purchase anything. Investigating started and they had canceled my card on XX/XX/2023 I have an email to show the proof. I assumed they were investigating and had this on hold. 

Moving forward XX/XX/2023, I got an adjustment balance of {$570.00} to my new credit card, for the charge that was done on XX/XX/2023, on the card that had been canceled on XX/XX/2023. 

Now here we are, I called to ask about the adjustment and the advice I need to call during operation hours. I called on XX/XX/2023, and was on hold and moved back and forward for about XXXX hour with no way to explain the charge or adjustment. 

Today XX/XX/2023, I've been on the line for an hour and XXXX min so far ( XXXX ) Fraud sent me to customer service, and customer service is sending me to fraud, They keep asking if I did this charge. No one can tell me why this adjustment was added or how. 

This has been a nightmare and managers as stated they can't do anything, This week alone I've spent almost XXXX hours trying to resolve this. 

They will be pushing it till XXXX pm that's when the fraud department or specialist close and will tell me I need to call back. 

I expressed my stress and concern and told them they needed to call me back. 

They are not will to help in anyway.

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 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX XXXX # XXXX, has violated my rights. 

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

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

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 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In regards to account ACCOUNT # XXXX, I asked all 3 bureaus to verify and fix the inaccurate account. XXXX  XXXX is reporting a charge off of {$6000.00}. The loan was paid off by my insurance company and the difference was covered by GAP insurance covered by XXXX at the time of signing XX/XX/2019. The only balance owed after the insurance payment was the {$1000.00} deductible. I asked XXXX  XXXX to provide me where they got this number from and failed to reply within 30 days. After I disputed this, the information was never corrected and as a violation of my rights I am reporting that the bureaus failed to do a proper investigation of the debt.

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 2022-09-22
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:
XXXX data breech victim and fighting to have negative items removed. Please hold experian, XXXX and transunion responsible to remove fraud information. The below accounts must be removed by all agencies. 
XXXX XXXX ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2022-07-02
Company: DISCOVER BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XX/XX/2022 - Discover Online Checking account opened by applying, Uploaded completed Requested ID Verifying Notarization. Specialist reviewed doc and successfully opened account. 
- Discover Bank inquired on my XXXX consumers report. Personal info & no prior client reports on record. 

XX/XX/2022 - Account was placed on hold & Funds Frozen. 
Phone rep requests a photo of my State Issued government ID card, SSC, Birth certificate, & IRS 1040 be uploaded via their sites secure Doc upload for ID Verification. 
* All were submitted Same Day. 

between the XXXX to the XXXX Ive been on 10 hour hold times unable to reach security specialist. 

XX/XX/2022 - Security Specialist phone rep was reached and she reviewed the uploads and determined my account successfully Verified. She then immediately removed hold and unfroze funds. 

- Only 10 minutes after that I was logged out of my online account and had a Hold/ Freeze placed again. I called back only to be informed my account was in the process of being closed due to being an At-Risk Customer per Company decision . 

After 4 days of complaints from myself Ive acceptance the fact that the banks policy states it may close an account for no reason needed. 

My issue/ Complaint is Why am I not allowed to retrieve my funds ( cash/ check ) at their singular available U.S Branch location per several reps. 
Instead must wait XXXX weeks to have it mailed to me. They state its their policy and it takes weeks to close it then months to send it. Ive informed them that I would like to close my account then immediately so I may get my money quicker, They state its not how it works.

WHY Was my account closed only after a specialist unfreezing it after reviewing requested documentation to only have it eventually frozen and in closing within 10 minutes. And why am I not able to go to the branch and pick up my money like any other bank why are they freezing my funds from me for an unreasonable amount of time and being very shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Convergent Resources, 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: Reporting company used your report improperly

Complaint:
Convergent account # XXXX is blatant inaccurate information and according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my 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 2020-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These are not my accounts nor did I authorize these companies to pull my credit. Please remove them.

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 2022-07-01
Company: Movement Mortgage LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We had a closing date coming up in 2 days when the lender told us she needed to get an IRS document that usually takes 40 days. She also however said we could waiver the document if we sent certain documents and so we sent them all and asked if we would still close in 2days and she said yes. The next day she turns around and says she still wants the IRS document. We asked her to let the realtor know that closing would not happen. We also told our realtor the same. 

She did not tell the realtor on time and the seller now wanted the earnest money. We told her we would sue her company for the Ernest money and she called the seller and said that they had agreed to a new closing date XX/XX/2022. We asked her again we could close by that date and she said yes. COme XX/XX/XXXX, she sent an email asking for 5 more documents that any lending company asks for in the beginning. 

She has asked for a ton of documents and we think she was trying to just not give us the loan and not be sued by us and was trying to overwhelm us with document requests so she would say we failed to supply the document. As such, when she said she would be able to close on XX/XX/XXXX, we told her that if she failed to close, we would sue for the escrow money. We are now pursuing legal action against her and the realtor. 

XXXX XXXX has been generally unresponsive to emails or texts. Many times we had to reach out more than 3 times before getting a response. Never once did she tell us in advance that closing was not possible before the closing date. We always had to draw it out of her and her team. Also, we got the appraisal report back from them on the day of closing and she said it was because there was an error. However, we had been pushing for appraisal to be done early and she ignored all the messages until I said I would order the appraisal myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 XXXX, XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX balance {$5200.00}XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$2000.00}XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX balance {$30000.00}, XXXX XXXX XXXX Account # XXXX balance {$16000.00} has violated my rights. 

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

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

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 2022-12-02
Company: AC AutoPay LLC, Denver, CO Branch
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Received a letter in the mail that I got approve for refinancing AUTO PAY! Prequalified saying it wont affect my credit. Scan and change my mind. Woke up next morning and saw numerous financial institutions pulling my credit i called each one. I called and told each one i didnt approve it. They told me to get with AUTO PAY. I called twice 1st time they told me they will pull my application due to error. I called the next day cause my credit was being pulled again. Next day a different story saying i apply. I said no i did the inquiry and repeated with previous person told me. I was hung up on like i was bother. This a true scam. I need to know my next step before i get a lawyer. I didnt up load no documents proof that was me or anything. The rate prequalified was still high i didnt go forward. I been scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: Agency of Credit Control
State: CO
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX. 
XXXX XXXX {$440.00} {$790.00} Agency of Credit Control XXXX XXXX. 
XXXX {$1500.00} I never received a bill from XXXX or a phone call verifying my address. I never received an estimate on procedure before I had it done. They turned it over to XXXX and now it's on my credit report. I am willing to pay original amount to XXXX if they absolve my credit report. I am not going to pay for late fees or interest because I had no knowledge of these bills. I have disputed the accounts twice with no results. XXXX was unwilling to work with me on these accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation