BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
Synchrony bank denied me a lowes credit card without valid reasons. 

Under the Equal Credit Opportunity Act, creditors have 60 days to provide you with a specific reason as to why you were denied a line of credit. This is known as an adverse action letter. You may be rejected for a variety of factors, such as having a low income, a short credit history or too much credit card debt. 

The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio XXXX XXXX XXXX administers compliance with this law Synchrony bank said their contracts are above all federal and state laws.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
submitted a dispute for incorrect information reporting regarding a collection account. the balance reporting is inaccurate and should be XXXX. attached is a screenshot showing the inaccuracies and transunion is saying the info is valid.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 accordance with the FAIR CREDIT REPORTING ACT, this account below has violated my Federal Protected Consumer Rights to privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C 1681 section 602A states I have the Right To Privacy.

15 U.S.C. 1681 section 604A Section 2 : IT also states a Consumer Reporting Agency can not furnish an account WITHOUT WRITTEN INSTRUCTIONS.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ) : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S.C. 1681c ( a ) ( 5 ) : states no Consumer Reporting Agency may make any Consumer Report containing any of the following items of information, or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX I've sent off letters the beginning of this month and no change was done past the 15 day reinvestigation.

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 2023-07-31
Company: Genesis FS Card Services, Inc.
State: NY
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:
On XX/XX/2023 and XX/XX/2023 I got a notification on my email saying that I had a three new inquiries added to my credit report which are : inquiry 1.XXXX XXXX XXXX ( XX/XX/2023 ) Inquiry 2.XXXX XXXX XXXX  ( XX/XX/2023 ) Inquiry 3. XXXX ( XX/XX/2023 ) reported on my trans Union credit report only I then proceeded to call XXXX about this inquiry reported on my credit score but I was told they are not able to do nothing about that so I called the banks which the inquiries reported from and i didn't get the helped I needed. 

1.15 U.S.C 1681 section 602 A. States I have the right to privacy. 
2. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
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: Information belongs to someone else

Complaint:
Law 15 U.S.C. 1681-1681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

AS OF XX/XX/XXXX ..... 
THESE ARE INQUIRIES BELOW! 
Here are the inquiries u XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX  XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX TransUnion XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was pre-approved for a auto loan through Capital One Auto Financing. On their site there were cars that said Pre-Approved with payments and everything. I assumed the cars were safer mechanically since the Finance company had it mark PRE-Approved. So I went and looked at it, I ended up purchasing the car on XXXX XXXX, 2023. From # XXXX XXXX, come to find out 6 months later the engine blew out on XX/XX/2023. After asking questions, I found out that the car had A MAJOR LEAK IN THE OIL COOLER ASSEMBLY, THAT INFORMATION WAS HIDDEN FROM ME. I paid {$2000.00} cash. Financed around {$11000.00} with Capital One. The dealership hid issues with the vehicle Im only learning this now. I contacted Capital one auto many times to see if they could help with the dealership repairing What caused the engine to malfunction. Im getting no where, they keep saying They filed a dealership Complaint 2 times since I kept demanding it. One agent there said just drop the car off there and leave it as a Volunteery buy back. I said that sounds Ridiculous! I explained to Capital One, I followed your site, your pre approval, I thought it was better then just going anywhere. Why would they post bad cars if they wanted paid every month. I trusted them. I feel I was scammed. I have a LOAN balance of {$10000.00} as of today. No help with the Finance company, putting pressure on the dealership to fix this. I cant get to work without a car. I cant make payment with out a job. I still have to make Insurance payments of {$400.00} a month. I need them to go after the dealership for being deceitful. If the finance company wants paid, they need to do better and check out the cars they are PRE-APPROVING on their site. 
Are they working together to rum scams in bad cars so customers are stuck. They need to step up and help! 
I cant add files from my phone, all my files are on my laptop. I will log in later to add files. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-05
Company: Chime Financial Inc
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am in the market to find a female Yorkie or schnauzer puppy. I found someone who stated they had a female Yorkie. After messaging back and forth, we came to an agreement of {$200.00} for the puppy to be put on hold and the other {$100.00} upon delivery. I asked for my money back several times and they denied saying it had been used for name change on the puppys documents. I dont have proof of those documents. They proceeded to deny me a refund and became very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

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 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 non-monetary relief
Consumer complaint received 2023-08-06
Company: Nelnet, Inc.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX, I entered repayment for my student loan with FirstMark Services ( bought from XXXX XXXX ) and according to the repayment letter sent to me on this date, my first payment for the loan was due XX/XX/XXXX. I payed my first payment ahead of time on XX/XX/XXXX and my statement that I received on XX/XX/XXXX stated that I had {$0.00} due for my XX/XX/XXXX due date. I have made every payment required for me since. 

On XX/XX/XXXX - almost XXXX years after I entered repayment, I received a letter stating that I entered repayment, which is odd considering I had started making payments almost XXXX years ago. It said the effective date was XX/XX/XXXX, my minimum required payment increased by about $ XXXX ( not a whole lot in the grand scheme of the monthly payment ) and that the effective date was XX/XX/XXXX. On the same day, I got another letter stating that my account was past due for {$800.00}. When I called into FirstMark to understand why I was getting a past due amount when I have records of making every single payment on-time and all my statements prove of this- they said this was from a XX/XX/XXXX payment that I apparently missed. I said that this was false and my first payment was due on XX/XX/XXXX and that this was an error and that this past due amount needs to be adjusted to be {$0.00} since I have made every single payment on-time. 

I contacted them over XXXX weeks ago regarding this issue and the issue still has not been addressed. I paid the past due amount out of fears that this will be reported to credit agencies when this was an error on their end, but still have not had any resolution. I dont think it is legal either for a company to say XXXX years later that you missed a payment when their statements to the customer say otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I hope this message finds you well. My name is XXXX XXXX, and I am writing to request a thorough review of my account regarding the Naivent settlement. I firmly believe that I qualified for the settlement, and I would like to provide additional information to support my claim.

I understand that the settlement process has been ongoing, and I appreciate the efforts put forth by your team in handling these matters. However, after reviewing my account details and the criteria for eligibility, I am convinced that there might have been an oversight or misunderstanding during the initial evaluation of my case.

To facilitate the review, I would like to outline the key points that support my eligibility for the Naivent settlement : Upon review of my account, they specifically requested that I take a Forbearance numerous times which I believe I qualified for the settlement, such as meeting the specified eligibility requirements or experiencing the specified circumstances, I've also attached the account history for the life of the loan. 

If applicable, I will provide any additional relevant documentation or evidence that supports my claim. 

I assure you that I have thoroughly reviewed the settlement terms and conditions, and I believe that my situation aligns with the specified criteria. It is essential to me that my claim is given a fair and comprehensive evaluation. 

I kindly request your prompt attention to this matter. If there is any additional information needed or if you require clarification on any aspect of my claim, I am more than willing to provide it promptly. 

Please acknowledge the receipt of this message. 

Thank you for your understanding and for giving my request the attention it deserves. I eagerly await your response and a resolution to this matter.

Company response to consumer: Closed with explanation