BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am having Random drops in my credit score! I have nothing change except paying off credit cards and my score will drop in upwards of XXXX points in a day. I realize that I do have some bad marks on my credit but the three agencies, who all use FICO 8, have the exact same information on them. I pay to monitor my credit daily. The variation between XXXX XXXX and XXXX XXXX is very large. I have no issues with XXXX as my score does not dramatically change. However, I would like to log a formal complaint against the other two companies, Transunion and XXXX. I have called them around XX/XX/2020 and have asked them to explain with the changes when there are no significant changes to my credit report and they say they cant. Now it is happening again with XXXX. In addition, when I ask them to look up the history they can not. I subscribe to each of there services to monitor. I think these are unfair practices as they cant explain their algorithm and do not keep history for accountability in scores.

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 2017-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX : {$280.00} XXXX XXXX XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$67.00} Student Loans that have duplicates XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$440.00}

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 2022-05-01
Company: Concord Servicing Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX 's date XX/XX/2022, I received a letter from the company Concord servicing corporation about an alleged/disputed loan with the company XXXX  ( Loan # XXXX ). I wrote back to this company about the legal dispute regarding this loan. For, this loan was fraudulently established under my name by the companies XXXX XXXX XXXX, XXXX and XXXX  XXXX You can refer to the current investigation conducted by the state of California Department of consumer affairs XXXX XXXX ), as well as the police report from the XXXX XXXX sheriff department XXXX XXXX XXXX ), and the complaint with CFPB against XXXX ( XXXX ). This company is attempting to collect a debt that simply does not exist, because i have never taken a loan with 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 2022-08-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$1600.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX # XXXX and XXXX # XXXX Both of these loans were paid off in full on XX/XX/XXXX when they were refinanced into another loan with a more reputable lender. To this date XXXX XX/XX/XXXX ) I still have not received the over {$6000.00} they claim that they are mailing me. That would be 32 days I believe, not that I even believe their number as they illegally held 2 payments of mine in late 2020 claiming I had authorized some sort of forbearance or other plan I had never authorized in the first place. They are both dragging their feet on money owed to me and mis-stating the amount that is owed.

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 2022-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 2018-03-31
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through credit karma that I am not under any obligation to pay this company. This company is illegally demanding payment.

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 2022-08-05
Company: EQUIFAX, 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 belongs to someone else

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me. 
XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$550.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX* Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX XX/XX/2021 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: EQUIFAX, INC.
State: MN
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 fair credit reporting act XXXX account XXXX 15 USC 1681 section 602 : states I have the right to privacy.

15 USC1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX { acct XXXX } XXXX XXXX XXXX ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX XXXX ( acct XXXX ) XXXX XXXXXXXX ( acct XXXX ) XXXX XXXX XXXX ( acct XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The amazon credit card, Synchrony Bank, site failed to indicate a prior payment on the credit card balance allowing an over-payment of over {$2000.00} on Friday XX/XX/2021. I called on Monday XX/XX/XXXX and spoke to their customer support requesting a refund of the over-payment. I was told they would only issue a check and I insisted that I didn't want a check coming to my address and wanted a credit back to my bank. A supervisor instructed me to FAX in a screenshot of my bank register showing the transaction. I indicated that it was showing processing and he told me it was fine, just fax it to them at XXXX XXXX XXXX XXXX. I had to sign up for an online fax service to send them the fax because they wouldn't accept an email. I tried calling to verify they received the fax and was told it was being processed. The next day I received a call stating that they needed a copy showing the transaction was processed. After explaining that I was told what I sent was acceptable they insisted on a new screenshot showing it processed even though the EFT has cleared on their side. I sent another screen shot showing the cleared transaction on the register and again had to call to verify that they received it. After calling again on Wednesday XX/XX/XXXX and being hung up on and having to call back ; I spoke to a supervisor, XXXX ID : XXXX, and was now being told I have to submit yet another screenshot showing my bank account balance with the funds removed. They have NO knowledge of the balance prior to the transaction nor did they request it in either of the prior two requests. I insisted that I followed their requests twice now and that the EFT has been complete on both sides and is now over 5 days since the EFT but was denied the credit back to the account once again. They have now delayed returning the funds as requested and following their request twice for information. They are refusing to refund the over-payment without the new screenshot that I feel is unnecessary as they continue to delay the refund.

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 2020-10-08
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:
The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX  Account Number XXXX XXXX   XXXX  Account Number XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, MO XXXX SINGLE FAMILY 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 2022-05-01
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:
In accordance with the Fair Credit Reporting act XXXX  has violated my rights 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX has violated my rights 15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-08-05
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 belongs to someone else

Complaint:
Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

The following items listed below are unknown to me.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XX/XX/2021 ;

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 2021-06-16
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my 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 2022-05-01
Company: Experian Information Solutions Inc.
State: IL
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:
XXXXExperianXXXX As of XX/XX/2022 XXXX you are in possession of a consumer report with my identifiable personal information, name, address, social security number, and place of work. 
The consumer report you have built with my identifiable information, contains personal financial information in connection with transactions or experiences between me the consumer and the person making the report. This consumer report you have created also explains numerous authorizations or approval of specific extensions of credit that came about by a credit card or similar device. 
All transactions on my consumer report are extensions of approved credit, that are reported on monthly by the person ( s ) who approved me for those transactions of credit. 
The credit device or similar device used in the origination of these accounts would be my social security card, which is obviously a credit card by definition. 
The term credit card means any card, plate or coupon book, or other credit device existing for the purpose of obtaining money, property, labor or services on credit. 
Pursuant 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) the term consumer report does not include : a report containing information solely as to transactions or experiences between the consumer and person making the report. 
Also, Pursuant 15 U.S. Code 1681a ( d ) ( 2 ) ( B ) the term consumer report does not include : ANY authorization or approval of a specific extension of credit directly or indirectly by the issue of a credit card or similar device. 
All the accounts on my consumer report are approvals of credit, and they without question experiences between the consumer and the person making the report. 
XXXX you are in violation of or both. 
Please remove following approved extension of credit from my consumer report, they originated from a credit card or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
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 2020-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX XXXX   XXXX {$780.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$120000.00} XXXX XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}

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 2022-08-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been with CareCredit over 20 years and, never missed a payment. My mother ( user of the card too ) passed away last year and when I informed them to remove her as she passed away - just complete lack of empathy- I probably should have closed all my Synchrony accts after that but I didnt. 
So Im recent weeks I have become a victim of massive Identity Theft - yet my CareCredit acct wasnt affected at all - and before I could finish sending letters to the 3 bureaus to block specific information on my reports due to Identify Theft, CareCredit had closed my account without any notice. Similar to most of what Im hearing, calling to inquire or request re-open is waste of time as they are not entertaining the idea at all. 

I manage a XXXX facility where we offer and we recommend CareCredit all the time for our clients. Almost every client we have applies for CareCredit as we are able to give them first hand personal experience of it being so useful and go into detail about when and how often we actually use it. After the sudden closing of my account and my recent experience with CareCredit and Synchrony, our practice will no longer continue to offer or recommend CareCredit at all.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: TN
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 XXXXXXXX XXXX account # XXXX has violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681Section 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 

This is a violation of the No Surprises Act.

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