BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
It says I was approved for a credit card and when I put application for one it denied me so Im confused why I was told I was accepted when it was a lie. That is false advertisement

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 2015-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was a victim of identity theft several years ago. I have police reports, etc. I filed to put fraud alerts on my credit report and I disputed the information with the agencies. They have failed to supply me with any supporting documentation of the validity of the accounts and they have failed to remove them. There are in fact accounts that I had from 15 years ago that they are still reporting even though they are violating the FCRA, and the florida statue of limitations. I have not been able to obtain credit until a year ago and it was a very minute amount of credit. The credit reporting companies have ruined my life and my ability to even buy a home, and because of their violations I have been forced to file for bankruptcy which will now stay on my credit report for 10 years. They are not even accurately reporting the bankruptcy information properly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi, In 2009 We did a shot sale on my real estate property ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), not foreclosure. In my account it 's showing as foreclosure. Please find the attached prof of document. 

Please investigate and update my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Vehicle financed with XXXX # XXXX shows on Report as Voluntary Surrender. Loan was not Mine, but My husbands and is which was traded in and balance Paid in full to XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are a few incorrect addresses I would like removed from my credit report. i have not stayed at the addresses listed below XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, AL, XXXX XXXX XXXX XXXX # XXXX, XXXX, AL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC, 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 2022-05-28
Company: EQUIFAX, INC.
State: PA
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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 non-monetary relief
Consumer complaint received 2020-10-04
Company: Experian Information Solutions 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:
There are two accts on my credit report, see attached that have no info, dont know whos owed, Experian and XXXX wont remove, they just make no sense ... ... all it says is it belongs to original creditor see attached. Ive asked over and over get nothing. Sent certified mail 60 days ago to Experian and XXXX, still pending after all this time wont remove.

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 2022-05-29
Company: Genesis FS Card Services, Inc.
State: SC
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 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for an purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: SYNCHRONY FINANCIAL
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
In XXXX XXXX, I found my credit score dropped from XXXX to approximately XXXX. Upon my investigation with XXXX credit agencies, I discovered that an individual opened a Paypal Extras Mastercard with Synchrony Bank in XXXX XXXX. I am unaware who opened the account or if/where the card was mailed. I have been contacting the Synchrony Bank since XXXX to have my credit score restored. However, there is still no news from them. We need to get the score corrected to close our first house in 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 2015-05-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I was XXXX of Synchrony Bank 's victims in the recent class action lawsuit. In XXXX 2015, Synchrony credited my account with respect to the terms of the class action suit. I was left with a small outstanding balance. I called Synchrony to determine the exact payoff amount ( {$38.00} ), and paid it the same day, leaving me with a zero balance. 

On XXXX XXXX, 2015, Synchrony made an unauthorized debit from my bank account ( XXXX XXXX ) of {$11.00}. I called Synchrony yesterday to determine what had happened and to get them to return my money. They refused. 

Despite having lost the class action lawsuit, Synchrony is continuing to defraud their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: FL
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:
Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.

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 2022-05-29
Company: Experian Information Solutions 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:
I sent a letter off on XX/XX/2022 Here is my tracking number XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial Institution is supposed to share my information to third party people. These are clear violations of my federally protected rights.

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 2016-06-19
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
First off I pay my belk and amazon payments on time, however the bank lendholder for the companys is Synchrony. After they decided to check my credit which is lower now because of more debt they decrease the credit limit and up the payments.. I did not ask for an increase in credit. I always paid them on time. Now they called constantly and even called every Sunday morning at XXXX. Now they have my account as late because I 'm not able to make the amount they have not set as the lowest payment. So I pay what I can until I can pay it off. This all happen in one month back in XXXX 2016.

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 2022-05-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
CHASEBANK CASE # : XXXX CHASE EXECUTIVE OFFICE XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX MY XXXX XXXX XXXX WIFE WAS SCAMMED INTO THINKING SHE WAS TALKING TO AN XXXX XXXX & THE INDIVIDUAL HAD HER RELEASE {$480.00} FROM MY CHECKING ACCOUNT ENDING IN # XXXX. INITIALLY CHASE REVERSED THE MONEY BUT AFTER 30 DAYS THEY CHARGED MY ACCOUNT BACK FOR THAT AMOUNT ( {$490.00} ). I SPOKE WITH AN INDIVIDUAL ( XXXX? ) WHO TOLD ME THAT THE MONEY WAS AUTHORIZED BY MY WIFE. HOWEVER, MY WIFE IS NOT A SIGNATOR ON MY CHECKING ACCOUNT. SHE HAS NEVER BEEN. MY PERSONAL, CHECKING ACCOUNT WAS OPENED WITH CHASE IN XXXX  & MY WIFE HAS NEVER BEEN A SIGNOR ON THAT ACCOUNT. I AM THEONLY AUTHORIZED INDIVIDUAL FOR THAT ACCOUNT. CHASE WON'T REVERSE THE CHARGES. I JUST RECEIVED A LETTER FROM CHASE DATED XXXX STATING THAT MY CLAIM IS BEING DENIED BECAUSE THE XXXX TRANSFER WAS PROCESSED CORRECTLY BASED ON THE INFORMATION ENTERED. THAT IS TOTALLY FALSE! AS STATED PREVIOUSLY, THAT TRANSACTION WAS DONE BY MY WIFE WHO IS NOT A SINATOR TO MY PERSONAL CHECKING ACCOUNT. I CALLED XXXX & THEY TOLD ME I NEED TO DEAL DIRECTLY WITH CHASE. CHASE HAS REFUSED TO TELL ME HOW THEY ARRIVED AT THEIR DECISION TO DENY MY CLAIM. PLEASE HAVE CHASE REVERSE THE CHARGE OF {$490.00} & PUT THIS SUM BACK INTO MY CHECKING ACCOUNT ENDING IN # XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
I have an account with Synchrony Bank/Banana Republic. The " password '' to access my account does not work ; instead, every time I log in, I have to resubmit all my information ( account, SSN, security questions, etc. ) to take any action with my account. This has been going on for months and they have failed to resolve it. I suspect this " error '' is a ploy to make it more difficult to pay my card so that they can get interest and fees. If a law firm sues, them, please make me a part of the class action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Reporting company used your report improperly

Complaint:
I sent a letter off on XX/XX/2022 Here is my tracking number XXXX. To remove personal information I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial Institution is supposed to share my information to third party people. These are clear violations of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: DISCOVER BANK
State: FL
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:
Discover bank, let me articulate your errors and walk you through this process.. okay, you see here.. this is Discover Bank violation of Federal Law. You are reporting 120 days Late in the Month of XXXX, XXXX, XXXX of 2020 there is only 30, and 31 days of the months mentioned above which is evident and verified that Discover Bank is in violation of The Truth In Lending Act pursuant to 15 U.S. Code 1666b - Timing of payments. Discover Bank It is absolutely impossible to be Late 120 Days in a month that only has XXXX or 31 days ( Laugh Out Loud ). 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer NOT later than 21 days before the payment due date. Discover Bank I demand you to clarify that you have complied with Federal law 15 U.S. Code 1666b ( a ) and provide me with Documentary Evidence that you are not in violation? Statements are not sufficient enough. I am demanding Discover Bank to correct all errors. You are bullying, extorting me, ruining my financial reputation the way you are furnishing my information. Pursuant to 15 U.S. Code 1681s ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. You have no lawful authority to furnish my information, you are doing this to export me and has a federally protected consumer I have rights and you will be held accountable for your deceptive business practices!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-04
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried contacting them regarding these accounts that were open fraudently without my permission. I have called and sent letters, disputes and complaints. I have attached documents and they also list the accounts that are in question. I will not list them here because their on the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Dispute letters were sent to all three credit bureaus for the first time on XX/XX/2022 with the identification required such a valid driver license and copy of my social security card. Never received answer from those dispute letters back to my mailing address. 

I sent a second round of dispute letters on XX/XX/2022 to all three credit bureaus with the identification required AND a letter stating that they haven't responded to the first dispute and this could be a violation of the law and I could notify the FTC if they did not responded. To this date I haven't received answer from my dispute letters from non of the credit bureaus.

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 2022-05-29
Company: JPMORGAN CHASE & CO.
State: AL
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 according with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written Instructions. 15 USC 1666 B : A creditor may not treat an open end Consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Equifax has been good about real investigation and having items removed. 
The remaining items XXXX XXXX XXXX XXXX XXXX XXXX, needs to be removed not mine. XXXX, had been removed previously needs to be removed again. Trying to by a home through the VA. And would and need some assistance in this matter before the Consumer Finance Protection Bureau . Please! 
Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Velocity Portfolio Group
State: OH
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:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX  CKS PRIME INVESTMENTS, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX XXXX ) HAS VIOLATED MY RIGHTS. 

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

15 U.S.C XXXX  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 XXXX  b ( 2 ) not state that such consumer owes any debt.

I HAVE NEVER DONE BUSINESS OR EVEN HEARD OF THIS COMPANY BEFORE. I RECENTLY CHECKED MY CREDIT REPORT AND THIS INACCURATE INFORMATION WAS LISTED WITHOUT AN ACCOUNT NUMBER. I WAS NEVER NOTIFIED ABOUT THIS INACCURATE INFORMATION UNTIL I CHECKED MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On Friday XXXX XXXX, 2015 I made a payment at XXXX to Ally Bank for my automobile. There cut off time is XXXX so therefore the payment was made on the XXXX but would not post to me Ally account until the XXXX. I called Ally bank on Saturday XXXX XXXX, 2015 I spoke to a representative and I asked them specifically would that payment be recognized on the XXXX even though it does not post to my account until the XXXX, and if it wont what other payment options do I have because I do not want my credit to affected. The rep from Ally bank told me that it would be recognized on the XXXX even though it was after cut off it will just post to my account on the XXXX but my credit will not be affected. I then went on to ask are they sure and if not can I make a payment that day the XXXX. Once again the rep stated no my credit would be fine and the would see that payment was made before cut off time. Well the rep was wrong and they instantly reported late on XXXX XXXX, 2015 which in turn has destroyed my credit and brought my score down almost XXXX points this is the only negative item affecting my credit right now. I have tried several times to resolve this issue with the company but nothing has been done. I am asking that they hold the word of their employee especially since I offered to pay and they told me no it will not affect my credit. I have contact an attorney because this is not right nor fair. All I am asking is that they remove the XXXX time derogatory remark from credit based on the fact their employee told me it would be ok.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: Experian Information Solutions Inc.
State: MA
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:
1XXXX XXXX {$110.00}, acc # XXXX date ; XX/XX/XXXX, ..2 ) XXXX XXXX, balance {$45.00} acc # XXXX status closed XX/XX/XXXX, .3 ) XXXX XXXX {$130.00} XXXX acc # XXXX satus closed XX/XX/XXXX, ... .4 ) XXXX XXXX $ XXXXacc # XXXX, closed XX/XX/XXXX... ..5 ) XXXX acc # XXXX XX/XX/XXXX {$520.00} ... ... XXXX acc # XXXX collection XX/XX/XXXX ... ... .in accordance with the fair credit reporting act XXXX # XXXX has violated my rights,15U.S.C.1618 section 602A states that i have a right to privacy ... .15U.S.C.1618section604A section 2 also states that a consumer reporting agency can NOT furnish an account without mt consent and /or instruction ... and they have niether!!!!

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