BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please the items as soon as possible.

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 2015-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
there is a spelling of my name that is wrong. also it has an address Iv never lived at in there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: SN SERVICING CORPORATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Our Complaint is against SN Servicing Corporation XXXX, CA - processing agent XXXX. In an event to bring our loan current. We reached out to the SNS. in XX/XX/XXXX. We made an agreement via XXXX XXXX in XX/XX/XXXX to pay {$6500.00} down and {$500.00} for 6 months. At the time of making the initial payment we were advised that all court proceeding were to cease as the payment arrangement met the requirements of SNS investors. SNS cashed our {$6500.00} payment and applied it to our account however, we continued to receive court notices. We contacted XXXX in XX/XX/XXXX and was advised via XXXX that the court dates were prior to the agreement and we did not have to attend court dates. She confirmed that our account was no longer being pursued. We continued to make monthly payments that were deposited. In XX/XX/XXXX we became concerned that no document was sent to us via SNS for us to sign about our agreement, and we received another court date. XXXX XXXX gave us the SNS attorney XXXX contact number we made several attempts to call with no response from her XX/XX/XXXX. We stopped sending payments because our property was still being actively pushed towards foreclosure. In addition, SNS to divert and cause delayed payments SNS sent a letter stating payments were no longer being processed at the location other payments were made. We have experienced theft by deception on behalf of SNS, once payments were made to bring the account active SNS confirmed they would halt foreclosure and it was not. We were advised by SNS via XXXX NOT TO ATTEND COURT DATES and were forced into Foreclosure status.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
Last year I was referred to Care Credit and apply for a credit care to be able to pay for my sons dentist bill.No one advised me of the high fees that were actually tied to the loan and I never heard anything from care credit so I really was not sure what more I had to do besides received the credit card and use it to pay a Dr bill. I never actually received any kind of credit card agreements and pretty much relied on the dentist to advise me what steps to take once the service was given and they stated to pay the bill once i received teh statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TD BANK US HOLDING COMPANY
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: Their investigation did not fix an error on your report

Complaint:
I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I will include a copy of my ID for proof of identification since this is the stated reason. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, TD AUTO is reporting late payments, but the information is inconsistent between the 3 credit bureaus. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information for XXXX, XXXX, and XXXX when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My BarclayCard XXXX XXXX MasterCard was shut down without notice around XXXX XXXX this year. I later received a letter about a week later indicating that a decision had been made to close my account. 

I did not engage in any sort of malicious or unethical behavior that led to this closure. However, I respect their authority to close at their discretion. 

My complaint lies in the fact that I had over XXXX Reward Miles accumulated on my account that was reset to XXXX upon the shutdown of the account. 

These points had already been earned legitimately and it is unfair to take these away as their value was in excess of {$1000.00} in travel rewards. Upon contacting Barclaycard 's customer service team, they indicated there was nothing they could do. So essentially Barclaycard is saying that it is completely within their right to take away any and all rewards points accumulated at any time they deem fit, which seems quite unethical and I am now out a significant amount of value for no just reason.

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 monetary relief
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: NJ
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  Account, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: UNITED COMMUNITY BANK
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im complaining to have my {$1000.00} XXXX money back. I was working with a lender for a home that was pre-selling. Seller suggested I work with a lender that was tied up with their company. Promised that I will get some discount, I worked with the suggested lender. I paid {$1000.00} XXXX money. In order to be approved for the loan, the lender is so pushy for me to pay off my existing loans and advised me to pay a huge amount of down payment so we will be approved with the loan. Considering my regular income alone, the lender said that I could not get approved. The monthly mortgage will be more than half of my monthly income. Knowing this, I decided not to continue with the purchase and the loan. I asked for loan denial letter but the lender will not provide since he is so pushy even though I can not afford. The seller asked me to sign the release letter since its taking a long time already. My real estate agent advised me over the phone that the seller will return the XXXX money. But upon checking with the document, it states that the XXXX money will go to the seller. I was blinded. They said that they will file legal action if I will not sign the release letter so I signed the release letter and now I wanted to get my XXXX money back. 

Lender : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX Builder/Seller : 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 2021-09-29
Company: DISCOVER BANK
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is my THIRD complaint filed against this company. 

This debt has been paid in full for almost a month. However, this company continues to violate our rights, and specifically refuses to have the wage garnishment removed. As a result, I have overpaid by over {$1000.00} and my wages will be garnished a 3rd time in 2 days. 

Both myself, and my employer have attempted to reach out to this fraudulent company to have this wage garnishment removed. However, everyone has been unsuccessful in doing so. 

Please, I am begging you please stop this company from continuing to ruin other people 's lives. This has gone on for far too long and until this company is stopped they will continue to operate in dishonest fashions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I began recieving letters recently from Portfolio Recovery in XXXX. I contacted portfolio recovery on XX/XX/XXXX through email, phone, mail and chat function and was told they could not locate any account under my name. I requested a debt validation letter and was ignored and hung up on. I sumbitted a CFPB complaint, and on XX/XX/XXXX finally received my debt validation paperwork. The debt validation included a name I havent used in over 7 years and an address I haven't used in 5 years ( the account is less then two years old ). Apon review of my credit report, the account holder portfolio recovery claims I owe and is trying to collect on is paid in full with no delinquency, and under the correct name and address not under the inaccurate name and address portfolio recovery has on file. I contacted all three reporting agencies and all removed portfolio recovery from my credit reports stating inaccurate information. 

On XX/XX/XXXX, I contacted Portfolio Recovery via email, through their chat function on their website, and sent a letter disputing the debt and requesting Portfolio stop contacting me via phone, mail or electronically. ( See attached files ). I contacted Portfolio Recovery twice through their chat function and both times the message requesting such was read, acknowledged and then the debt XXXX closed the chat. 

Today on XX/XX/2022, I recieved an additional mailing from portfolio recovery, again under a name I haven't used in over 7 years, refusing to investigate my debt dispute stating they have already done so ( impossible since I have not communicated with them prior to XX/XX/2022 and just recieved the validation XX/XX/XXXX ). The letter was mailed XX/XX/XXXX, just XXXX day after I disputed the debt and demanded they cease and decist all communications. 

Since portfolio recovery refuses to heed my cease and decist demand, and honor my right to dispute this alleged debt, I am forced to yet again submit another complaint to CFPB. If this blatant disregard to my rights continue, I will be forced to persue further legal routes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
a collection agency by the name of " XXXX '' continues to place a XXXX balance on my credit report for an account that DOES NOT belong to me. I have spoke with them directly as well as XXXX and explained that I was a victim of identity theft, which was documented on my credit report and my credit was even " frozen '' at one point while this was sorted out. Unfortunately they continue to report this and is now showing up as being in collection status, which I now need assistance in having it permanently removed.

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 2016-09-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX I discussed with my dentist future orthodontic work that would be needed, and expected that he would prepare an itemized plan for this work, so that I could consult with the dental insurance carried by both myself and my husband, develop a plan of treatment, and work at the insurance coverages, other expenses and a payment strategy before beginning or authorizing treatment. 
Today, XXXX XXXX, I received a bill from CareCredit/Synchrony Bank for {$420.00} due XXXX/XXXX/XXXX with a charge balance of {$10000.00}, that lists a transaction date of XXXX/XXXX/XXXX. This account was opened fraudulently, I never authorized it, and the charge is likewise fraudulent - it is for work that I have not even agreed to, much less have been performed. 
I see that CareCredit/Synchrony Bank was fined {$34.00} XXXX in XXXX for abusive/fraudulent lending practices with unethical doctors and dentists, and it appears that they are still in the medical scam game. 
We are making no payment on this account, as it may be construed as acknowledging its legitimacy, so I am concerned about Synchrony Bank entering false derogatory information in my credit file as a consequence. Thus quick resolution of this fraud is essential.

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 monetary relief
Consumer complaint received 2021-09-29
Company: OneMain Finance Corporation
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: Investigation took more than 30 days

Complaint:
i have filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i have not received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
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 First Premier Account ending XXXX and XXXX XXXX XXXX account ending 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 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 explanation
Consumer complaint received 2016-06-30
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Back in XXXX years, I was under a reduce payment plan due to unemployment with Wells Fargo my mortgage holder. During that time I made monthly payments and as described in the plan Wells fargo was to modify my loan. This never happened.

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 2023-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$210.00} has violated my rights. 

15 U.S. Code 1681 states : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XXXX 's client, XXXX XXXX XXXX is an identity theft victim. Several credit accounts were established and attempted using his information without his consent. Once of these accounts was attempted with Barclay 's Bank Delaware. The attempt left an inquiry on his credit report that is related to the fraudulent activity. A dispute was sent by this office on behalf of our client to Barclay 's Bank twice in an effort to remove the inquiry as fraud related as outlined in the FCRA. Both times Barclays Bank has denied removal of the data stating the factor in keeping the inquiry listed is an email address that is not even correct for the client. I have explained to Barclay 's bank that per the FCRA a police report was provided indicting this attempt was fraud related however Barclay 's Bank is continuing to violate the FCRA.

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 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the Consumer Finance Protection Bureau. Please block and remove all information from my credit report, and send me an updated copy of 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 explanation
Consumer complaint received 2016-07-22
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Transaction issue

Complaint:
I discovered fraud charges on my case and found that BP let this charges come in and did not notify me of this fraud use of my card. I also found that there are fees that are charged to my account for this fraud charges.

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 2015-08-07
Company: Fitzgerald Goldman & Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They are contacting family members regarding some account in 2012. Leaving threatening legal messages and stating they will come and take my vehicle. The name of the business is Fitzgerald Goldman & Associates and the number that keeps calling from a very rude lady at the following number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation