BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-11
Company: HYUNDAI CAPITAL AMERICA
State: CA
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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2022-09-21
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had accounts between XXXX with TD bank and all my accounts close and all the accounts had fees access to the account not only the fees but TD share my information without my consent and the fees that were charge on my account were fees were a merchant submitted payment to my account for the same amount multiple times. 

The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any XXXX XXXX company working on my behalf. I believe I am a victim of identity theft. Due to the XXXX we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports and found that this ALLIED COLL ( Original creditor : XXXX XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Here is the account being in question : XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4900.00}

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 explanation
Consumer complaint received 2022-06-27
Company: DISCOVER BANK
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:
My identity was compromised by a XXXX Scammer in XX/XX/XXXX. He used my information to open 3 major credit cards without my knowledge or consent. These were all new cards. He applied online without my consent or knowledge or my signature. I did not gain financially at all from this action. He conducted Balance Transfers by using these new credit cards. The transfers began in XXXX of XXXX. I was not aware of this at all until I started to receive statements. I was coerced to make some initial payments until I was aware these were all fraudulently done. I have not gained financially from their use. I was never aware of these cards. He acted solely for his own financial gain. I have filed reports of fraud with the local Police Department, the FTC, and the FBI. I should not be held liable for any payments to these accounts. The balance with XXXX XXXX is now {$14000.00}. The balance with Discover is now {$17000.00}. The balance with XXXX XXXX is now {$52000.00}. These balances are all approximate. The activity on all credit cards was done approximately between XX/XX/XXXX - XX/XX/XXXX. Each actual credit card company has the complete dates and amounts that were conducted as Balance Transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: State Collection Service, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
On XX/XX/2022, I was alerted by XXXX XXXX that my score had dropped. When I checked my credit report, I discovered an inquiry from XXXX XXXXXXXX XXXX,  of which I was not aware. Upon contacting XXXX XXXX XXXXXXXX I was told that at approximately XXXX XXXX of the same morning someone applied for a credit card using my information. I was not the one who applied, nor did I authorize anyone else to do so.

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 2022-06-26
Company: EQUIFAX, INC.
State: LA
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 recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. 

I have personally contacted XXXX, XXXX many times over a XXXXyear period and have yet to receive any supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Credit Karma, LLC
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
On or around XXXX to XXXX, Eye saw alot of free approvals on credit karma and Eye still get these notices sent to my email currently. Eye would pay such notices no mind until recently Eye was made aware via social media that the Federal Trade Commission ordered Credit Karma to pay out {$3.00} XXXX for false claims regarding credit scores. Credit Karma has continued sending me pre-approval for credit cards informing me of being pre-approved for credit cards, personal loans and car insurance offer. Everyday Eye would see offers whenever Eye would log in to check my credit score. After a months or so of being informed via email that Eye was pre-approved, one would only assume that they are in fact positioned in such the perfect place to apply. Eye received several offers through credit karma and Eye started making plans to do things with my family that Eye wasn't able to do before hand with being pre-approved for credit cards etc. Eye applied for loans and have been denied. Not only is this false and misleading, unfairness and abuse but it is also deception. Employees of Credit karma telling me that Eye was approved not only constitutes lies and deception but using someones personal information to pre-approved them for something constitutes identity theft. Such events cause stress, XXXX and XXXX which is one of the reasons Eye go to therapy. These events are the reason many people are poverty stricken and they give up on life because of having their personal information stolen that benefits others and not the original beneficiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: EQUIFAX, 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:
I have sent out letters to all 3 credit bureaus for the unrecognized inquiries and inaccurate informations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My XXXX limit credit card from XXXX XXXX was deleted from my report XX/XX/2022 ending XXXX without my authorization, my bank has submitted countless forms and sent emails regarding my account because it is still reproting but not showing on 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 2022-11-29
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB : We are currently in the process of selling our home at XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXXXXXX. The mortgage was originally held by XXXX XXXX, but was later acquired by US Bank XXXX XXXX XXXX ; XXXX, XXXX XXXXXXXX. 

We obtained our mortgage through US Bank in XXXX of XXXX for a total of XXXX XXXXXXXX, with a {$7500.00} down payment assistance loan from XXXX XXXX, Florida. We paid our mortgage- with a couple of hiccups in XXXX due to XXXX  - up until the XXXX crisis struck. 

In XXXX, we had paid the mortgage down to a balance of {$53000.00}, but, due to the XXXX assistance mortgage payment moratorium we also rewrote the mortgage to the tune of {$8600.00}. Now, please explain to me how a SINGLE YEAR of " ASSISTANCE '' could possibly equate to HALF of what we paid in mortgage and interest fees over the course of XXXX XXXX So now that we are selling our home, the full payoff amount equates to {$69000.00}!!! This EFFECTIVELY means that over the course of the XXXX years that we've spent in our home, we have paid a WHOPPING {$89.00} towards the ownership of our home!!! Who in what office has lobbied and written this type of legislation? 

This is exactly why the American people remain financially imprisoned and why the top XXXX XXXX continue to accumulate wealth on a DISGUSTINGLY IMBALANCED scale. Had we known that the COVID " Assistance '' was going to reset our mortgage COMPLETELY - minus {$89.00} - I would have just gone to work, even though XXXX XXXX XXXX XXXX XXXX XXXX Oh, wait, that would have been inconsiderate, because I could possibly have contributed to the illnesses and deaths of so many other people. So that's not right. BUT what your legislation allows banks to do is the preferred solution? TO ROB PEOPLE and keep them in perpetual financial servitude is YOUR ANSWER? 

This is not acceptable, and it certainly isn't right.

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 2022-06-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I have asked the credit bureaus to do a investigation of credit report and stated everything was accurate. I did a thorough research myself and found improper accuracies on my credit report. Even after they did a thorough research. 

Name : Capital one Below you will find inaccurate dates : Date opened is inaccurate Last payments are inaccurate Last reported are inaccurate Last active is inaccurate Account # : XXXX XXXX XXXX Account Type : XXXX XXXX XXXX Account Type - Detail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Account Status : XXXX XXXX XXXX Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1700.00} {$1700.00} {$1700.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1700.00} {$0.00} {$1700.00} Credit Limit : {$1500.00} {$1500.00} {$0.00} Past Due : {$1700.00} {$1700.00} {$1700.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In accordance with the fair credit reporting act convergent accout XXXX, has violated my rights. 

XXXX5 u.s.c 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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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:
The following credit inquiries viewed by others listed on my Chex Systems Consumer Report ID : XXXX is fraudulent, unauthorized and not my inquiries : XXXX XXXX, XX/XX/2020, XXXX XXXX on behalf of XXXX XXXX, XX/XX/2020, and XXXX XXXX on behalf of XXXX, XX/XX/2020. I am a victim of identity theft and have a recent police report on file with Chex Systems.

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 2022-07-28
Company: Chime Financial Inc
State: GA
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 was waiting for my pay check to hit my account. When I woke up and noticed that there was an un authorized charge from XXXX totaling {$100.00}. I contacted chime who stated I had to wait until the transaction went through to dispute it. I tried to reach out to XXXX but was not successful. My card was compremised because it was attached to my XXXX XXXX account which was hacked because another purchase was made from a different card that was also attached to my XXXXXXXX XXXX  account. When I pulled up my transaction from XXXXXXXX XXXX the charge was not there. I disputed there decision and they sent me back there findings and stated because I had my card with me at the time then it was an authorized payment which again It was not I just want my money back and did not think I would have to go this far to get it. It is not fair that because I had my card it says that I made this purchase which is not true. I submitted proof I did not even have XXXX. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
Lexis Nexis is reporting a bankruptcy in my credit file and has put the data furnisher as the, XXXX XXXX XXXX XXXX XXXX Georgia, which is false. I have included a letter, from the XXXXXXXX XXXX XXXXXXXX XXXX Georgia, that states that they DO NOT furnish such information to the credit bureaus or ANY credit reporting and monitoring agencies. Nor do they validate or verify any information concerning bankruptcies. 
Lexis Nexis is falsely reporting this information. Therefore, supplying the credit bureaus with false information and have yet to remove it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened Synchrony bank 2 % cash-back credit card ( PayPal credit card ) in XX/XX/2020. I have perfect credit score, was never late and always paid the balance in full. On XX/XX/XXXX, my credit card was closed by Synchrony bank without any explanations. 
My credit card is ending with XXXX. 
I called Synchrony Bank twice and was told the Bank can close my account anytime without paying any cashback. 
The expected cash reward {$420.00} was never paid. 
This is obviously a fraud.

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 2022-06-27
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 Comenity Bank took the {$37.00} payment for my Victorias Secret credit card. I paid the bill on the XXXX through their app within the Victorias Secret XXXX app. My payment was accepted without a problem. Later in the week, I went to make a purchase because XXXX was having their semi-annual sale. I was unable to log into comenity bank and kept receiving an error message. Today, XX/XX/2022, I tried to contact customer service because they have an incorrect phone number in the system that I noticed when trying to change my password. I kept receiving an error message when attempting to log in. Customer service has a recording that states Due to unforeseen circumstances, our offices are closed. They had no problem taking my money and processing it days later but now no one is in the office to take calls. Their social media channels all have the same script of a planned update that is taking longer than expected. My concern is a security breech, especially seeing they do not have my correct information on file any longer, and not being able to access my account for almost a week. I am now unable to access my account at all. Unfortunately, this is not the first run in Ive had with this company. Back in XXXX of 2022 they started automatic payments from my bank account without my consent. It took days for the issue to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive been trying to get my credit report from this Agency.but all I get is the run around

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 2022-11-29
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Someone stole cXXXX XXXX XXXX check an the deposited it at 5/3rd bank someone forged my signature

Company response to consumer: Closed with explanation