BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-12
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be advised that I see no other recourse but to file a complaint against XXXX XXXX Bank XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least XXXX times between the card inception and the beginning date on credit reporting on all XXXX credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, XXXX states an XXXX XXXX deletion date and Experian states a XXXX XXXX deletion date. In essence, XXXX XXXX XXXX XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX Bank XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.

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 2017-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I discovered that there are a total of 9 negative inquiries I have on my credit report. Also, there are late payments shown from my student loan which is false. Lastly, there is a charge-off from a credit card company, which I know is fraud ; and I believe this is due to identity theft. So far I did not receive any follow-up about these false claims and I would like all of this negative information removed from 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 2016-10-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Citi card made payment to XXXX XXXX car which I did not authorize. This is what happened. 
I took rental car from XXXX after confirmed reservation from XXXX XXXX insurance. At that time I provided Citi card to XXXX in order to pay charges I agreed with XXXX which is " customer pay XXXX ''. Copy of receipt from enterprise is attached. However, in between liberty mutual refused rental ; I 'm working with XXXX on that and Citi has nothing to do with that. Since my agreement with XXXX was to pay only XXXX, Citi was not supposed to pay what I did not auth. It appears Citi sided with the merchant.

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 2022-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This should not be on my credit report, this is inaccurate information on my credit report. I would like these accounts removed as soon as possible as it is damaging my credit report. The law clearly states it under 15 U.S.C 1681G Law violation. 


Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$3700.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type FHA Mortgage Balance on XX/XX/XXXX Loan Amount - {$180000.00}

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 non-monetary relief
Consumer complaint received 2015-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I had an credit card account that went to default XXXX XXXX XXXX in XXXX, and it was charged off and this item was sold to a debt purchaser - XXXX XXXX. 
There is incomplete - inaccurate data on my report - with all Major CRA 's. This information has been disputed at least once, with all XXXX. 

1. Through XXXX - This Account shows " OPEN " and, with missing critical account details, such as its actual status. This item has been communicated as a dispute to all CRA 's. 
2. On XXXX in XXXX - XXXX through current, lack any payment history - " Type '', is not Credit Card its blank. XXXX XXXX is XXXX XXXX, I believe is the original delinquency date, MAKING this account to old to report. 
On Experience printed reports, this account is incomplete and inaccurate. 

There is no Payment StatusTrans Union/XXXX - the Payment history does NOT match the " Last Payment made date '', and the other dates are not consistent. 



Despite my continued disputes - this account has never been updated and remains, and in spite of the FCRA which says that incomplete records, must be deleted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I do n't know where to start since it is becoming evident that there is more identity fraud using my social security number than I can handle. I find out about most of it when : I ca n't get free copies of my annual free credit reports because they were already requested within that year - when I know that I HAD N'T REQUESTED THEM THAT YEAR OR PROBABLY EVEN FOR XXXX OR MORE YEARS PRIOR! 
when there are at least XXXX addresses listed on my credit reports that I have never even been to much less lived there XXXX of the incorrect addresses secured natural gas utility with my SSN and then did n't pay the bills - that 's how I found out that any ID theft was going on with my infoWhen I receive a tax notice from the XXXX of Virginia using my name and my SSN except I never even lived there. 
When I receive letters from collection agencies for accounts with places like XXXX which I have never approached with any business! 
When I see all of these businesses requesting my credit info when I have not applied for anything credit related in more than XXXX years due to serious financial hardships since then. 
When I get a letter from Internal Revenue that I owe them over {$800.00} from back taxes for year XXXX when that is n't true - this is something I 've just recently put XXXX and XXXX together about and come up with the fact that it is more identity theft - by the way, the IRS has been keeping any Tax Refunds to pay for this back tax and I have agreed to a pay back plan before I realized that this info is wrong and is no doubt more identity theftWhen I get a letter from XXXX XXXX XXXX agency that says my application file was accidentally opened and opened by an agency in a XXXX XXXX than mine...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: U.S. BANCORP
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fees

Complaint:
I received XXXX ( XXXX ) USBank Cash+ Bonus Rewards Cards in the mail some time ago, each valued at {$25.00}, for a total of {$75.00}. They were Visa cards. The first one has a " Valid Thru '' date of XX/XX/XXXX, the second XX/XX/XXXX, and the third XX/XX/XXXX. 

Apparently, though, these " Valid Thru '' dates are not the actual expiration dates on the card. Instead, USBank helped themselves to {$2.00} per month after 12 months had passed on each card. Even though the " Valid Thru '' dates on the fronts of the cards said XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in actuality, all three cards have been completely drained by USBank. 

This seems to me to be a deceptive business practice. A reasonable person would expect the " Valid Thru '' date on the front of the card to be the date the card expires. The cards themselves appear as a standard Visa credit or debit card, with the card number, the customer 's name, and the " Valid Thru '' date embossed and in silver on the front. 

I can give the XXXX credit card numbers ( and attendant CVVs ) on request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I got suckered in to a time share contract. After several years of having problems with them I gathered up some research and sent them a demand letter to void my contracts, return my money or face a law suit. In fairness I also quit paying they outrageous monthly fee. I have been in contact with them. They quit calling me but are still billing me. They have since put late payment notices on my credit reports. I would like to get these removed or at least be able to add my explanation of what they are. I see them as an XXXX attempt to get me to stop my demand and avoid a law suit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: LEXISNEXIS
State: IN
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:
ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND XXXX ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Innovis
State: IN
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:
ONCE AGAIN XXXX AND XXXX FAILED TO CORRECT THE ADDRESSES ASSCIATED WITH FRAUD AND I.D . THEFT SINCE XXXX. 

I HAVE ADVISED THEM SEVERAL TIMES THE RULE ON NOTICES OF ADDRESS DISCREPANCY, FACT ACT 315, FCRA SECTION 605H and 12CFR 41.82. ALSO, FAILED ALTERNATIVE TIMING OF ADDRESS VALIDATION.. SOMEONE USED MY I.D . TO BUY A HOUSE IN TEXAS, AND ANTHER ADDRESS IN XXXX, IL. 

I AM DEMANDING XXXX AND XXXX REMOVE OR PURGE THIS FRAUDULENT INFO FROM THEIR DATA BASES.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have reviewed the attached documentation submitted by XXXX XXXX in connection with a previously submitted complaint. Nowhere on the application does it authorize XXXX XXXX, XXXX, or any entity, financial or otherwise, by specific name, proxy or otherwise to obtain my credit report. Due to XXXX XXXX 's failure to clearly and unambiguously identity itself as an entity authorized to obtain any credit report, this credit application is null and void. I spoke with XXXX XXXX of XXXX XXXX XXXX at XXXX and she confirmed that nowhere on the application is XXXX XXXX XXXX or any business entity whatsoever identified. In turn, the hard inquiry by XXXX XXXX XXXX is rendered invalid along with the XXXX XXXX XXXX hard inquiry itself.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
XXXX/XXXX - {$790.00} Account was not verified as according to law, no documents were sent.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency have in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within XXXX days of XX/XX/2016 please remove accounts from 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 2016-08-11
Company: ALLY FINANCIAL INC.
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Ally Bank allowed someone to open an account in my name ( fraudulently ) without using my correct address. I would assume any reputable bank would have better protection measures in place to verify someone 's identity. 

Ally ( after recognizing their mistake and after I notified them the issue ) continues to send correspondence to the wrong address.

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 2015-06-03
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had my paycheck direct deposited into US Bank, they garnished 100 % of my paycheck and took a {$100.00} fee. How can they garnish 100 % of my earnings? In Washington State, the law says they can only garnish 25 % of your disposable income. I 'm going to have to sue them if I cant get this resolved, I mean i cant even buy gas to get to work, and I 'll probably lose my job. I literally have {$0.00} in my account at this moment

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello I have a complaint against Transunion. I was a victim of identity theft. In XXXX 2016 I noticed that I had items on my credit that was n't me. So I stared a dilute with TransUnion. When it came to the inquiries I was told by TransUnion that they will not dispute my inquiries and I neede to contact the creditors myself. I did that I wrote letter to the creditors. I did get letters back from the creditors either stating that the inquiries was not a hard check and should not be showing I also got letters saying that they did n't have me in the system and I even got inf back from the postal service stamped insufficient address. Now these are the address that the bureau have. I sent the copies to TransUnion however they still say they are going to remove them. I did what they ask of me and still did n't get any results!! Please help me because I 'm out of options.

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 2016-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
Transunion will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob 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 2017-10-11
Company: Associated Credit Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Associated Credit Services , Inc. Claims to be collecting a lawfully owed debt to XXXX, XXXX XXXX When I wrote them and explained the debt IS NOT owed and the claim that the debt is owed is false. They sent back a legal agreement I never signed and have never seen prior to Associated Credit Services , Inc. remittance of the agreement. The agreement sent by Associated Credit Services , Inc. further does not contain my signature in any way shape or form. They also sent a generated invoice for {$600.00}. XXXX, XXXX and Associated Credit Services , Inc. are committing mail fraud by attempting to collect false and/or fake debts via the U.S. Postal System, I feel they  should be investigated and charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: SYNCHRONY FINANCIAL
State: MD
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:
On XXXX XX/XX/2022, Synchrony Care Credit deceptively and maliciously cancelled my line of credit for {$20000.00}, which they had approved on XXXX XX/XX/2022. Synchrony took this predatory action in retaliation for my cancelation of a Care Credit XXXX sent to me, which I did not request from them. The cancellation of my Care Credit was discovered at the office of my medical provider, causing me irreparable delays and embarrassment, not to mention scheduling inconvenience and other damages. I contacted Synchrony Care Credit on XXXX XX/XX/2022 to resolve the issue, and lodge a complaint regarding their misleading and deceptive banking practices, described below : XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who stated that I could cancel the Care Credit XXXX received in the mail, which I did not request, while my regular Care Credit account would would remain active for my medical procedure. Unfortunately, when I arrived at my provider on XXXX XX/XX/2022, the above credit card was declined as being cancelled by me, which is a false, deceptive and maliciously retaliatory practice by Synchrony. Also on this date, Synchrony falsely informed me that I must activate the Care Credit XXXX with a limit of {$12000.00} ( XXXX XXXX XXXX XXXX  to retain the Synchrony financing they previously approved for use with a medical provider. 

XXXX XX/XX/2022 : I spoke with Synchrony customer representative XXXX, who snickered and gloated at my loss of medical financing, and stated that by my cancelling of their XXXX ( which I did not request or want ) Synchrony had rescinded the Care Credit line of financing for {$20000.00}, which they had approved on XXXX XX/XX/2022. When I asked why Synchrony had sent me a XXXX I did not request, the Synchrony sarcasm was palpable, as XXXX stated that " select '' Care Credit members were " randomly '' selected to receive an upgrade in the form of the new XXXX with a XXXX XXXX XXXX. I stated that this was not an " upgrade '', and that the predatory pressure to maintain the unwanted XXXX or lose the financing of my medical procedure, was misleading, deceptive and malicious, and possibly illegal. 

After several attempts to redress this situation, Synchrony made no effort to resolve this situation, which has placed me in difficult straits. Synchrony proved to be misleading, deceptive, malicious, and in no way acting in good faith as a bank should.

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 2015-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I had requested my credit report from Trans Union after a mortgage company claimed that all XXXX of my reports were very negative. Since I had a score in the XXXX just a month ago, I knew there was a problem and wanted to find out what was going on. I had to pay {$1.00} to Trans Unionand I saw the report and my FICO score online ( which was in the XXXX ). The next day, I received an e-mail from then stating that the {$1.00} enroled me into a credit monitoring service and if I did n't opt out in XXXX days they would deduct {$17.00} from my checking every month! I had reported a similar problem with XXXX, and they let me opt out. However, with Trans Union, there is no way to contact them to stop the payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation