BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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.

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 2023-05-06
Company: Self Financial Inc.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
XXXX LA HAS IGNORED MY RIGHT AS A CONSUMER TO EXERCISE MY RIGHT TO OPT-OUT OF ANY AND ALL SHARING OF MY INFORMATION. I HAVE SENT THEM THE LAWS THAT ALLOWS ME AS A CONSUMER WHICH ARE ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
2 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 
MY STATEMENT THAT I SENT TO THEM WAS THIS ; Per ; the FCRA as a FEDERALLY PROTECTED CONSUMER, I am now OPTING-OUT of any and ALL AUTHORIZATION, I the CONSUMER may have given you, WRITTEN, UNWRITTEN, VERBAL, and NON-VERBAL, PER ; 15 US CODE 6802. Effective Immediately! 
( FYI : PRIVACY ACT OF 1974 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Experian Information Solutions Inc.
State: IN
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-05-06
Company: Firstsource Business Process Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2023 check for {$28.00} at XXXX refused payment by XXXXXXXX XXXX. I was never notified and XXXX does not keep a record it ever transpired. XXXX never notified me nor did their collection vendor XXXX Upon visit to store attempted check pay was denied. I was given paper advised call XXXX to pay. Upon contactcwas advised they would redeposit in a day or two. They never did. Follow up at store with XXXX advised call XXXX XXXX XXXX XXXX. They sent me to their XXXX XXXX who sent me back to XXXX XXXX who sent me back to XXXX. After a half dozen failed attempts I contacted the XXXX XXXX XXXX and we repeated the process. Attelps once again failed. Contacted store. She sent an email to corporate who's job to collect returned checks. They said call certify but she never ressponded. I then recieved Debt Collector notice they bought debt! I called store and spoke to XXXX XXXX. He is trying to assist. I then notified him I was calling debt collector to cease. SENT to answer machine. I left message AND IN FO to CEASE and DESIST notice. They do not provide any acknowledgement of receipt. Waiting on feedback from XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I called XXXX bank to report fraudulent transactions and payments on my accounts. Since that day, XXXX has been negligent in how the investigation and reporting of this matter have been handled XXXX has partnered with Experian and Experian has reduced my score because of this XXXX account. 

Neither company has respected my consumer rights although I have submitted the police and FTC reports, verbally described the incident, and have written letters requesting this information gets corrected. 

On XX/XX/XXXX, I called XXXX after noticing another payment had been deducted from my business account. I was informed that my pending claim had been denied because it was incorrectly submitted by the fraud team. 

The account was reported as fraudulent, instead of having fraudulent transactions. I requested documentation detailing transactions charged to this account to help me determine which ones were not authorized and on XX/XX/XXXX and XXXX, XXXX responded that there were no transactions done to this account. 

Today I called XXXX touch base and was informed that my dispute for this account was submitted incorrectly for a 5th time by XXXX, therefore it was denied. She submitted another claim today and told me any money would be returned to me once the account charges are verified as fraudulent. 

FTC CFPB Help me with these monsters XXXX and Experian. Step in or give me guidance on how legally to hold these companies accountable for the money they ruse to return. I am exhausted Physically and emotionally.

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 2023-02-26
Company: SYNCHRONY FINANCIAL
State: GA
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 entered into a payment plan with Synchronicity Bank for my TJ Max Rewards credit card and set up an initial payment. The payment was not processed until a week later at which point due to a bank issue where a deposit was delayed, the payment did not go through. When I contacted Synchronicity I was told that there was no record of me having made a payment plan. I expressed my concerns over being reported for a 30 day late payment hence my attempt to make payment arrangements and was assured that as long as I made a payment prior to XX/XX/23 I would not be in any danger of my payment being reported as 30 days late to the credit bureaus. While on the phone with the reprsentative I made an online payment of {$110.00}, far more than I was told I would need to for the payment arrangement which seemed to have never occurred according to the representative. Again, my concern was the negative impact a 30 day late payment would have on my credit score. The payment was processed and I took a screenshot just to make sure in case I encountered yet another issue with this bank. I just received a credit alert that my score has decreased and the reason is that this bank reported me as being 30 days late despite my payment just a day prior to the cut off. Every bit of information I have been given by the representatives I spoke with at this bank has been incredibly faulty and misleading. I am now having to deal with a late payment that I made every good faith effort to avoid and have substantial proof of this.

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 2023-09-28
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX, my CHASE checking account was restricted and I was told the account was pending closure. 
On XX/XX/XXXX, the account was officially closed. In the latest statement, the final transaction only showed 'withdrawal ' without any explanation and date or who withdrew it. 
On XX/XX/XXXX, the branch banker told me that I needed to wait for another week for the check to be issued. 
On XX/XX/XXXX, the banker of the branch told me that they could no longer mail me the remaining final balance by check because my transaction involved fraud. My friends did not dispute the transaction after asking. 
On XX/XX/XXXX, the manager of the branch asked me to notify each friend who transferred money to me one by one and asked them to call their own bank and then dispute their transaction. Their bank needs to do a source of report research request. However, the bank 's customer service on the phone told me that my transaction was still under investigation and the funds were still on hold. They didn't know how to deal with it next, but it was almost a month since the whole incident happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: EQUIFAX, INC.
State: CA
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:
On Equifax most recent communication, they sent me a letter stating that the request to block any files on my report wont be performed. I had provided all needed documentation to proceed with action, and yet, Equifax denied to do so. I'm attaching all documents again and with this complaint the request to XXXX XXXX XXXX XXXX from my Credit Files as this account is the result of Identity Theft. 

Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than XXXX business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY. 

Attachments : Driver License, Social Security card, FTC Reports, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions 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:
To Whom It May Concern : Experian Credit Bureau I was just looking over my credit report and found some addresses that appear to be incorrect. Ive enclosed documentation providing proof of my current address, as instructed to do on your website. 

To make your process of deletion easier, I have attached list of the incorrect addresses that I am currently Seeing. ( see letter attached ) In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-04
Company: Experian Information Solutions Inc.
State: NY
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-29
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
my loan was under forbearance for covid XXXX for a year and 3 months. and i received funds from two agencies and they disbursed the funds in a manner that is overcharging me. they received over XXXX in funds. i received mortgage statements saying they were missing payments when they received payments from organization then it was found with calls from me with explanation and date of payment. my mortgage was originally XXXX they received funds before forbearance was approved, my mortgage was also raised when bank received funds on my statement. my forbearance should have no late fees under it so i should have had more money left over and my principal should have lowered.

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 2023-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I opened an online checking and savings account at Bank of America. 

XXXX minutes later I received an email stating that the account had been approved and that I had 30 days by which to visit a local banking office and deposit funds in to the account. 

On XX/XX/XXXX I visited Bank of America XXXX XXXX and at the counter deposited XXXX checks totaling {$18000.00}. I asked that {$9000.00} be deposited in checking and {$9000.00} be deposited in savings. The teller at the counter asked me for XXXX forms of identification, which I provided, the teller took my Ids made photos copies and then asked my to sign the deposit slips and other paperwork. The teller then informed me that because the account was new that a hold would be placed to the checks until XX/XX/XXXX. I stated that I understood, wished them a XXXX XXXX XXXX and left. 

On XX/XX/XXXX I received the Bank of America debit card in the mail and when I attempted to activate the card I was told that the card account was unavailable and did not exist. 

On XX/XX/XXXX I attempted to deposit some checks using the mobile app and was unable to. I was then prompted by the app to call Bank of America and set up mobile checking deposit. 

On XX/XX/XXXX I called the number provided and was told that my account had been flagged as fraudulent and was closed because Bank of America could not verify my identity. As a former XXXX XXXX XXXX XXXX  XXXX XXXX Agent, and now a XXXX  I have never had any trouble with any institution being unable to verify my identity. 

On XX/XX/XXXX I was informed that Bank of America had closed my account on XX/XX/XXXX less than XXXX hours after I visited branch XXXX and deposited {$18000.00} on XX/XX/XXXX. 

Bank of America successfully cashed both checks and withdrew the funds from the Government XXXX XXXX XXXX XXXX on XX/XX/XXXX and then proceeded to close my account on XX/XX/XXXX. 

On XX/XX/XXXX Bank of America notified me that I should be receiving my funds in XXXX to XXXX weeks by mail in the form of a cashiers check. 

Every person I spoke with was extremely dismissive, unprofessional, and completely lacked any knowledge or ability to help me in any way. It was extremely evident to me that the employees at the Bank of America were simply reading back to me what they were looking at on a computer screen.

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 2023-01-04
Company: Experian Information Solutions 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:
XXXX XXXX, XXXX, XXXX and Experian are all in direct violation of the FCRA laws listed below. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. a 5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s 2 A 1. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
On XX/XX/XXXX, I submitted a formal complaint. I received a response from the company on XX/XX/XXXX that does not address the XX/XX/XXXX complaint. It almost appears that a computer generated the response as opposed to a human being looking at the issue. 

This is an account I have attempted to bring notice to the fact is not being reported accurately on my credit report, yet you have not disputed these correctly. The response to the dispute I get state this account belongs to me, yet I have not disputed ownership whatsoever. According to 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 also states a consumer reporting agency can not furnish an account without my written instructions. How can this account be verified as being 100 % accurate without the necessary authorization shown provided by me?

Again, I AM REQUESTING TO RECEIVE THE DESCRIPTION OF THESE FINDINGS ACCORDING TO 15 USC 1681 ( 7 ). By law, Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. If my written consent for the reporting of the following accounts was not provided and can not be provided, the following accounts must be deleted immediately.

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