BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-25
Company: EQUIFAX, INC.
State: NY
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:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports infective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this breach and Equifax has done nothing. Please help with deleting these illegal accounts from my Equifax credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-06
Company: SYNCHRONY FINANCIAL
State: SD
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:
between XX/XX/2018 and today synchrony bank has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX Synchrony Amazon Card Closed my account without any noticed. When I contacted them they informed me that it was because I had made XXXX attempts to make a payment and the payment was rejected. This was an error because I accidentally had my second bank account as the default account to make payments which I was not aware of. When I caught the issue I was able to quickly default my main bank as the account and I made a payment within a 30 day window. There was no need for them to close my account. They never contacted me or sent me a letter they just closed my account. I have never missed a payment from them or any other company in the last 9 years. I feel that the action they took is un fair and will impact my credit report as my overall utilization rate will increase and my credit history will decrease. I am very upset that there hasn't been a law to protect consumers from this kind of behavior from lending institutions. I called Amazon customer service and they informed me that they could not reactivate the account and that I would need to reapply. This would also mean that my credit would be impacted as now I would have a new inquiry and if I applied it will stay on record for XXXX   years impacting my credit score. I was given a fax number to send a letter to the bank to see if they could look into the matter however when I went to XXXX to fax the letter this morning the fax number was not valid. I have attempted to contact the bank but there is no means to connect with an agent that will talk to me.

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 2023-12-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
this debt collector engaged n abusive, deceptive and unfair practices of the FDCPA which it prohibits they furnished this account that we didnt agree upon and i didnt sign any agreement on. a legal contract is signed by two parties and i did not participate in any of it. more so they didnt follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA im entitled to XXXX dollars per violation and clearly they violated my rights. 


Accounts - XXXX XXXX XXXX XXXX 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 2023-11-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I reviewed my credit report and found hard inquiries that do not belong to me. This is not accurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a 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 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-12-03
Company: Experian Information Solutions Inc.
State: GA
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:
The only address that should be listed on my credit report is the current address, which is the address presented on my driver 's license. According to consumer laws 15 U.S.C 1681 listed below it is not fair, nor does it give me any privacy to list and display addresses where I do not reside to be included on my credit report. Especially if I didn't consent to them being listed per any written instructions. These addresses provide incorrect information to supposed creditors, and can open the gates of fraudulent activity via mail when sent to a residence I no longer reside. In most cases the occupant of that address will open that mail, and can use that particular information fraudulently to open or reopen accounts, etc.

15 U.S.C. 1681 Section 602 A - says I have the right to privacy.

15 U.S.C. 1681 A ( 4 ) - states consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 - Consumer reporting agencies may not furnish account information 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 2022-09-22
Company: EQUIFAX, 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:
Your failure to maintain reasonable procedures is disheartening and discriminatory. I have provided material information in the form of an identity theft report. I am asking to be treated fairly. I provided written instructions about my credit report. Again I am requesting deletion of erroneous, inaccurate accounts that were the result of identity theft. I am aware you are required to adhere to rules when it comes to identity theft and your refusal has caused me financial harm, risk, XXXX, marital issues, and undue stress. I also am aware that XXXX  is required to send the results of its investigation. In case you didn't receive them I have enclosed the results as an attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
got XXXX loan in XX/XX/XXXX ' with XXXX XXXX MORTGAGE, interest rate 9.87 %, INTEREST ONLY FOR 1st YEAR, {$430.00} monthly. they kept loanXX/XX/XXXX ', XX/XX/XXXX ' they sold loan to SPECIALIZED LOAN SERVICES. get notice for XX/XX/XXXX' payment, payment is {$1100.00}!!!! new interest rate 10.12 %, that's only .25 % increase!!!! i called to ask HOW & WHY the EXTREME INCREASE in payment when rate did not go up even a 1 %!!!!!!! got lots of babbling & that was end of phone call!!!!! i tried again, no result!!!!!!!! i called my mortgage agent & he was shocked & advised i file with you so i can get an answer as i feel this is XXXX!!!!!!!!! 

THANK YOU

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 2023-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2022-09-22
Company: EQUIFAX, INC.
State: NC
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 XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX, XXXX  XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 2022-08-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$19000.00}, XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-17
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I do not have an account with PNC, but they allow someone to cash my reimbursement checks from my insurance company without a signature. The XXXX XXXX send them all of the documentation and I haven't heard anything nor will PNC tell me anything because I do not have an account and it has been months. Why are consumers being victimized when someone committed fraud, cashed over 7 checks and now you are making me wait, I don't know how long, but, it did not take the thief long to steal my money. The bank should be held accountable. If this is not the place that can help me. Please advise. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received a copy of my credit profile there were incorrect addresses, phone numbers, several missed spellings or just plain incorrect spellings of my name

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 2022-07-03
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: Credit inquiries on your report that you don't recognize

Complaint:
My complaint is about XXXX XXXX and Experian Credit Bureau. I noticed two unknown, unrecognized inquiries on my credit file. I have contacted both companies to remove the inquires dated, XX/XX/XXXX. 2020 and XX/XX/2020 Because I did not apply for credit with XXXX XXXX. 
Please launch an investigation into XXXX XXXX inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. Thanks in advance for your prompt attention to this matter.

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 2023-11-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( ATTORNEY GENERAL Account # XXXX ) ( ATTORNEY GENERAL Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX  Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX Account # XXXX ) ( 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 an account without my written instructions!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, 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 ; In ADDITION : XXXX has been ignoring my request to remove all fraud inquiries listed that has not been made by me, which is harming my credit being a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im begging you please remove this to the credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was sold and bought illegally because I was a victim of the equifax data breach.i want these items deleted from my credit reports effective immediately. I am attaching proof that equifax had admitted that I was in fact a victim of the data breach and equifax had done nothing. Please help me delete these illegal accounts from my credit reports. Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-21
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Over the years I have had the card there has been several troubling issues. On occasion when before I have the chance to make a late payment -- -I get another " punishment '' -- the card locks when I am in public using the card. Early this year I am obviously paying the card off and corresponding with the XXXX XXXX card XXXX number -- they refused the card payment. I always had to talk to " girls '' they would pass me around on phone calls!! More Punishment!!! They even hung up the phone call once!! I contacted my Attorneys and also started a complaint early this year!!! I just received another email " they want to talk again ''!!! Now the balance of the credit card is {$1700.00} dollars!!! More punishment??? I am disgusted with this intentional harrassment and ruining my credit score!!! XXXX XXXX XXXX card girls need to go Prison!!

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 2022-12-03
Company: Harvest Credit Management VII, LLC
State: NC
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:
Hello, I tried contacting Harvest strategy group several times at this phone number in over a month. They never called back like they said they would on the recording. Im trying to clear this debt off of my credit. But they are not contacted me on how I can get this removed or how I can get it fixed. The original creditor was flagged trip, but they sold the debt to harvest which theyre not responding to any of my calls or anything. Its been well over a month now. Im just trying to get in touch with somebody so I can get this debt paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Experian Information Solutions Inc.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have XXXX credit cards with Commenity Bank. They are an XXXX XXXX XXXX, XXXX XXXX and a Victoria Secret credit cards. I can not make payments for the XXXX card which is due on the XXXX or Victoria Secret card which is due on the XXXX due to Commenity Banks site being down and their phone lines not working. I have called all the customer care numbers on the back of the cards yesterday, XX/XX/XXXX and was only able to get through to one of them. The problems with their online and phone system has been going on since XX/XX/2022.

Company response to consumer: Closed with explanation