BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Case number XXXX is being referenced as prior complaint with your agency regarding the same company Synchrony Bank and TJX Rewards card which you say is closed. However, there was no resolution to this problem by the company. This company continues to harass me because I order pet medications from XXXX XXXX XXXX. I placed an order over the phone yesterday for {$240.00} and almost immediately got a call from Synchrony which I returned. I wanted to know what their problem was because this had already been discussed with a supervisor when I filed the above named case about the same matter. Synchrony denied my purchase with XXXX XXXX XXXX. I have a number of past credit card statements where I have purchased this over and over and it was not denied. I have never been late, always pay my entire balance on the card. You people did not do anything for me before so what are you going to do about it now because it is a forever problem. I have a right to use my credit card to buy what I want within the limits of my card. No other bank does this when I make a purchase. I have a credit score of XXXX and these people are idiots. I do n't understand why you let them get away with this. I am furious!

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 2022-04-29
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:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX CARD SERVICES HAS VIOLATED MY RIGHTS.15 U.S.C SECTION 602 A. STATES 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 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 2017-07-04
Company: U.S. BANCORP
State: TN
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:
All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with XXXX. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest child name is XXXX. XXXX XXXX XXXX XXXX His birthday isXX/XX/XXXX. My youngest child name is XXXX XXXX XXXX XXXX birthday is XX/XX/XXXX. He was born at XXXX XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a XXXX XXXX. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX XXXX inXX/XX/XXXX without my knowledge. A series of people was linked to me with U S Bank Mortgage. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to XXXX I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XXXX. My mother social security number is being used, she has been deceased since XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.

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 2017-07-04
Company: VIRTUOSO SOURCING GROUP, LLC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I notified XXXX to cancel my account as it had not worked for over a year on the date I made m y last payment. They billed me again the next month after I had cancelled. I wrote a letter again telling them I had cancelled the previous month. The next month I received another bill for another months service. I called them and told them that I had notified them two times I had cancelled. They said that I had to use their cancellation form on their letter head to be able to cancel. They then billed me for another month of service. I asked them if they had received my first cancellation notice. They said they had but would not cancel the account until they received the official letterhead cancellation notice. I do not feel that I should have to pay them for an additional three months after I notified them to cancel and they acknowledged they had received this notification. There system had not worked for over a year yet they continued to bill me. This was a home protection system and they should have realized it was not working and notified me that it was not working but they did not so I actually feel they owe me for the year in which the system did not work and I am going to send them a bill demanding a refund for what I feel they owe me. I have told them this many times on the phone and in writing and they continued to harass me with phone calls, letters and now a collection service. This is just another way to get more money out of people and is wrong. They still have n't even picked up their equipment which is still in my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect names : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX APT XXXX XXXX XXXX, XXXX  XXXX Employer : NOT PROVIDED Date Updated : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 XXXX debit my saving account {$99.00} they than debit my account again {$25.00} dollars on XX/XX/2018. I called them to let them know that they debit my account and they advise that they dont show my saving account only my checking account. I called them 5 times on 5 different days and they told me to dispute the charges because they didnt see the charges on my account. I called Citi bank and file a dispute. 4 days later I called because they still havent credit me the funds they told me I had to wait until XX/XX/XXXX to get my funds back. I spoke with XXXX employee number XXXX and she was the worse customer service associate Ive ever spoken with, she pretty much told me that they dont care how bad i need my money i have to wait 2 weeks to get my money back, she told me to call the merchant back again. I am so frustrated with Citi bank why does it have to take so long for you to give me my money, I work hard to earn. Ive never been treated as bad as today. I really do hope I get a survey on XXXX employee number XXXX. I want my money back!!!

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX / {$670.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$7500.00} / XX/XX/XXXX XXXX / {$0.00} / 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 non-monetary relief
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXt Account : - XX/XX/XXXX - {$1300.00} - XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1000.00} - XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$540.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$290.00} - XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$89.00} - XXXX XXXX XXXX XXXX  XXXX XXXX A 5 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 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual 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 2017-07-04
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with USAA, which is being serviced by XXXX. I have attempted to make extra payments on my loan in hopes of lowering my interests and shorten the terms of my mortgage. Rather than applying all payments towards my mortgage, USAA through XXXX, does not apply payments as they are received. Instead, my money is placed into an unapplied account. This means USAA applies only 12 of my 13 payments, which does not lower my interest or shorten the life of the loan. I have complained about this process with the CEO of USAA and other executives. I ca n't up and move my mortgage, which USAA knows. USAA also will not change the servicer of my loan. This prevents customers from paying off the loan sooner and keeps money in the banks pockets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI
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 is an XXXX account on my transunion report that was sold to XXXX XXXX XXXX  that was opened XX/XX/2018 that doesn't belong to me. I don't know who's it is i always had XXXX XXXX.I tried to fix the issue in the store i gotten nowhere. my last resort will be legal actions if its not removed from my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: CORELOGIC INC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have not applied for anything and there was this inquiry for today on XX/XX/2021 and wanting to dispute it please and thank you i would greatly appreciate it the inquiry in under Credco

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 2020-09-08
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2020, I checked my Experian and XXXX credit report and it showed my credit score decreased 16+ points on Experian and XXXX . On XXXX, my credit score increased to XXXX. Please note, since the pandemic, I have decreased my debt ratio from 90 percent to currently 59 percent and it continues to lower with weekly credit card payments. In XX/XX/2020, I finally finished payment on a long term monthly loan ( {$500.00} ) with XXXX. In XX/XX/2020, I received an alert from Experian and XXXX indicating that XXXX sent a notification. XXXX informed me that they sent a positive credit report indicating that I was in good standing and the loan was paid off. Note, absolutely nothing changed with my credit only to lower my debt ratio however, XXXX and XXXX punished me for decreasing my debt ratio by lowering my credit score. This is absolutely absurd. XXXX and XXXX encourages their clients/consumers to decrease debt, make payments on time etc, etc to improve their credit.

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 2020-09-23
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A balance of XXXX was placed on my credit report by a company named Transworld System Inc/XXXX  I never heard of this company and never had a contract with this company. 


This false information need to be deleted ASAP from my credit report. NO CONTRACT with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$2500.00} check yesterday at bank of America 's ATM. Despite the requirement that the first {$200.00} be available the next business day, my receipt shows the full amount is on hold until XX/XX/2019

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 2017-12-21
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:
I pulled my report from a monitoring service so that I can start the process of getting a vehicle loan for my trucking business and I have several Federal Government Loans on my report that are n't mines at all. I am filing this initial complaint being from several hours researching I came across your website information about consumer financial protection bureau. There are 6 accounts that show several 120 late payments from these accounts that I do n't have and not aware of and I am demanding that all accounts be deleted & removed permanently from all 3 credit bureaus - Experian, XXXX XXXX , & XXXX based by the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970.

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 2017-07-04
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I Was paying through XXXX and next thing i lost my job I could n't afford it? Then got a Job as a XXXX n my boss tells me I 'm getting garnish from Some Student loan I owe and this was back in XXXX and now! I 'm still paying plus getting harrassed with phone calls from Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Experian Information Solutions Inc.
State: UT
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:
XXXX XXXX XXXX # XXXX is double reporting with XXXX # XXXX on my credit report. I got scammed via my XXXX   XXXX when someone got my info and had {$5000.00} deposited and then told me to send {$2500.00} of that to them via XXXX XXXX. I got a police report number to file but got a judgement. I was served and signed an agreement with XXXX to pay off the rest. XXXX XXXX should be a XXXX balance and I should not have these accounts as they are fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: JPMORGAN CHASE & CO.
State: MI
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:
Unauthorized Credit Inquiry : XX/XX/2017 Chase Card XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-04
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I 've sent numerous request to this company via certified mail requesting proper validation for a debt that they claim I owe them. Each time the company has ignored my request for validation and sent me a summary of a bill. I have with the company that the FTC opinion letter on itemized bill. However, they have yet to provide me with any documentation showing that I have any type of agreement between me and the company. Furthermore, when I first contacted this company with my dispute, they failed to mark it disputed with the credit bureaus with the allotted 30 days as required by the FCRA & FDCPA. After doing research with the court systems on this company in my state, which is Texas, I found that this company have had many complaints filed against them, and have bought suits against many consumers without having a " consumer agreement '' stating that money is owed to them by the consumer. I have also requested a copy of such agreement from this company, and I have been ignored. I am not obliged to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. This company is known for using bullying tactics on consumers in order to scare them into paying a debt that they do n't owe to them. I am attaching copies of my correspondence with them, and their response that they have continued to send me. Please be advised that the copy of their response that you are receiving is what they have continued to send to me ignoring my request for other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been filing a dispute on several occasion and numerous of times of the same complaints. XXXX and Experian has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual 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