BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Account Number : XXXX In accordance with the Fair Credit Reporting Act XXXX, Account Number : XXXX, has violated my rights to Privacy and Furnish a Account WITHOUT written consent. 

[ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose ( I have a Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
[ 15 U.S.C. 1681b ] 604. Permissible purposes of consumer reports ( A Consumer Reporting Agency CAN NOT FURNISH a account with my written instructions ) ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They have the account listed as a joint account and I did not give permission for that joint account to be opened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX I received via US mail a Walmart MasterCard. This is a real credit card, not an application or a temporary card. I have NEVER requested or applied for a Walmart credit card. Naturally I destroyed the card. On XXXX XXXX, I received a bill for this credit card for purchases made at a XXXX in XXXX, NY. I have never been to XXXX, NY. This is clearly an attempt at identity theft. I do not understand how someone could use the card or the account number when it was never activated. I have written to Synchrony Bank ( who issued the card ) reporting this misuse of my personal information and informed them that I refuse to pay the bill. I also closed the account via their telephone system. My concern is that, because the credit account was apparently opened without actually using the card, further purchases may occur. Also, a different Walmart/Synchrony bank credit account, albeit with the same opening date, shows up on my credit reports, so apparently there are XXXX accounts I have to deal with. I am very concerned about this and not sure how to stop the misuse of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Payoff process

Complaint:
I used Care Credit in XX/XX/XXXX and charged {$1400.00} on the card which was under promotional for a year. I paid most of it off and had a balance of {$490.00} in XXXX the month before the promotional offier was up. It also states that my deferred interest charge if not paid by XX/XX/XXXX I then needed to get dental XXXX again XX/XX/XXXX and had to charge {$2000.00}. It seems as though they added all of the interest going back to my XXXX XXXX promotional offer. As of today my balance is {$2300.00} They have been putting money toward my XXXX promotional offer and my balance for that is now {$1700.00}. I made a payment for {$1500.00} today. I was not aware that I had to request the payments to go toward the old balance that incurred the interest rate of 26.99 %. I had known this before I would have called and requested my payments to go toward the other balance with the high interest rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-29
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a TD BANK N.A. checkings account on XX/XX/2022 ending in XXXX, as a consumer pursuant 15 U.S.C. 1692a ( 3 ). i received TD BANK N.A. banking access card and TD BANK N.A. checks with my Autograph. I attempted to create a online TD BANK N.A. account on XXXX XXXX, but was denied access due to a said fraud alert. Upon learning this I mailed a letter out to the C.F.O of TD BANK N.A. on XX/XX/2022, and TD BANK N.A. has failed to respond through any medium. 
2 ) I have a right to an authenticated record of accounting. I am is not requesting a statement of account, the i am is requesting for an authenticated record of the accounting. I am hereby disputing the alleged debt, and to require that TD BANK N.A. provides the requested information within the time allotted by law, which is fourteen calendar-days.

ALL RIGHTS RESERVED WITHOUT PREJUDICE 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: DISCOVER BANK
State: IA
Product: Credit card
Issue: Transaction issue

Complaint:
I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$3000.00}. It seemed very good to turn it down. They said they would train me on how to find drop shippers so I could sell on XXXX, XXXX and any website for that matter. They have done nothing to help me and I was unable to locate any dropshippers that would turn even the smallest profit. They provided no support whatsoever in order to help me. And when I requested my refund they turned me down and stopped answering my calls. I did not make any profit out of this mess. They did not provide the services that I purchased. I feel I was taken advantage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have a debt currently being reported on my credit report that does not belong to me and that the issuing creditor refuses to remove. After reviewing my credit report ( see attached ), as I do on a regular basis, I determined that an invalid debt existed on my report. I contacted my legal counsel who contacted the creditor telephonically and via written correspondence ( see attached ). The credit reporting agency indicated that the debt was associated with another creditor but refused to remove the debt from my credit report and refused to provide proof of debt as requested by my counsel. I have disputed the debt with the credit reporting agency TransUnion and received the attached response. My counsel suggested I file this complaint to prevent this invalid debt from impacting my security clearance and my assignment cycle. 
Your assistance is appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
It says on my report that i have an outdated issue with XXXX XXXX bank on XXXX XXXX, 2013. This can not be me, my grandmother just passed away a week before this and i have NEVER had a credit card. To this day i have no credit cards, so i do n't understand why it is on my report. i had a great credit score and now its very bad and i 'm afraid someone might have stolen my identity for a card from this XXXX XXXX bank. please help me i have no idea who to contact.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help 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 2022-05-29
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXXXXXX Account # XXXX XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXccount # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXXXXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX, has XXXX my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX  XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-27
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX, the credit reporting and credit monitoring company, processed fraudulent reoccurring charges to my PayPal credit card for their credit monitoring services for XXXX identities that did not match my credit card information. Although XXXX agreed to refund the charges, as a credit monitoring company would you think they should more closely monitor the actions of their own customers - both myself and the other identities? This makes me wonder if the XXXX identities that were attempted and successfully charged on my credit card were targets of another party trying to capture data about the identities on the fraudulent credit monitoring subscriptions?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, 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:
In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX  XXXX, has violated my rights. 15 U.S.C 1681 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I approved one company to do a credit check and have had it do multiple inquiries on my credit as well as third party that I have not approved and not directly signed up for. I have been working so hard on my credit just gor it to be hurt by all of these people checking my credit when I don't want them to. I have disputed them and they just keep showing up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I recently pulled my credit report from XXXX and Transunion, and to amazement, I still see this company name XXXX XXXX reported as a charge off. I have disputed this account with Transunion and XXXX. However, it comes back " verified '' I am very curious as to what kinds of " records '' this company has on this account. I have sent request for validation/verification of this alleged account. No response have been received from this company for over a year. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt can be validated. Also, under the Fair Credit reporting Act, this disputed account my not appear on my credit report if it can not be supported by any evidence. If this matter does not get resolve amicably, I will file charges against this company for violation of my federal rights. I have been dealing with this issue since 2014..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Preferred Collection and Management, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
PREFERRED COLLECTION ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PREFERRED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PREFERRED COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: NCC Business Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
An apartment management representative with a personal vendetta claimed that I caused damage to an adjacent apartment. She notified me in writing four days before I was scheduled to move-out. In the letter, she claims that because of a water leak and my negligence I am responsible for {$7.00}, XXXX of damages to the apartment bellow. 30 days later, the firm submitted my erroneous and unsubstantiated debt to a collections agency. The collections agency then quickly furnished this damaging information to the major credit reporting agencies. I requested the collections agency to substantiate the debt, and they mailed me copies of the following documents : the aforementioned letter, a hardware purchase order invoice of {$3200.00}, my apartment 's " move-out inspection '' checklist completed and signed by the firm 's maintenance man and me ( illustrating our agreement of the damage-free condition of my apartment ), the lease agreement, and a " security deposit accounting '' document which shows the amount due to owner as {$7.00}, XXXX, yet all of the credits do not add up to that figure. It 's as if the firm simply invented a number and the collections agency blindly accepted it when the numbers do not add up to my reported debt amount. Unacceptable and unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
All address ' listed except XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Are not mine

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