BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, I paid my collections for XXXX XXXX XXXX. The issue is XXXX XXXX and XXXX broke the law. Legally if the account is sold to the original corrector, I am not liable for that debt. I only paid it because they were threatening to take me to court, threatening to come after me, threatening to get police involved. They broke the The Fair Debt Collection Practices Act! These are all violations of U.S Law! 

Per 15 Us 1692c : a debt collector may not communicate with a consumer in connection with the collection of any debt. I was sent paperwork by mail, they blew up my phone everyday. I felt harassed, scared, stressed out!! They also called me before XXXX and after XXXX which is against the law!!!! 

The information on my transunion report and experian report are being reported inaccurately and does not have the same information. If your fail to communicate to the consumer reporting Agencies that this company broke the law, that would be a violation Pursuant 15usc 1692e8- False or misleading Representation! 

Per US LAW a consumers debt is not allowed to be communicated unless I gave consent. I never gave consent for XXXXXXXX XXXX to contact me! Look at 15 U.S 1692b. 
I was also represented by an attorney and they still illegally was harassing 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 non-monetary relief
Consumer complaint received 2023-02-19
Company: Experian Information Solutions Inc.
State: WI
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 reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-07-13
Company: SYNCHRONY FINANCIAL
State: MS
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:
JCP account was charged off. Still reporting on credit report with a balance. The account and charges are not mine I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists.

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 2023-07-14
Company: JPMORGAN CHASE & CO.
State: PA
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:
JPMorgan Company XX/XX/ Applied for an XXXX credit card in XXXX. XXXX. wrongfully filed a hard inquiry without my permission, which has effected my credit score greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-13
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a complaint with Comemity Bank almost a year ago about a defective air conditioner that I purchased from XXXX. I never received any correspondence regarding the dispute and every time I called it the dispute had still not been worked in over 6 months. I spoke to several managers who said that they would escalate my concerns. After I didn't hear back again I don't try the XXXX XXXX XXXX. Comemity never set the charge aside and continued to charge the disputed amount plus interest. XXXX promised to refund my money after numerous complaints but never sent through with it and they gave me a nonworking number for the manufacturer. Comemity never acknowledged my dispute until after my complaint and the letter they sent does not pertain to my dispute about a defective item. XXXX has violated the credit card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In mid-XXXX, I was temporarily living in XXXX ( Ive been back in the XXXX since late XXXX ). Apparently because I was living temporarily in XXXX, Bank of America chose to shut down my Merrill XXXX  brokerage account as well as all of my Bank of America credit cards, including some that had unredeemed rewards. They would not confirm for me that this was the reason they closed all of my accounts, but I read similar stories from others in expat situations and even business travelers using their accounts while outside the U.S. 

Anyway, Id really like to have the credit card rewards, such as cash back, that Id earned and that I was never given an opportunity to retrieve/redeem. Id also like the ability to have Bank of America accounts again, especially as my temporary time in XXXX ended in XXXX. Ideally, Id like to have those same accounts re-opened that I used to have. 

Can you help with something like this?

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 2023-07-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX I found a charge on my ASHLEY FURNITURE/ synchrony bank account in the amount of XXXX I contacted synchrony bank to tell them about it. This card had a balance of XXXX dollars as it had been recently paid off. I contacted them right away to resolve the issue. It took me calling them on 3 separate occasions before it was even reported as fraud. It is currently under investigation. However they are still charging me monthly payments on the account the balance is now up {$1500.00}. This is not the first issue I have had with them as a potential fraud took place in XXXX of XXXX and lead to them reducing my credit line from {$3000.00} to {$250.00}. The company has been jerking me around and messing with my credit since shortly after opening the account.

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 2023-07-17
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it concerns RE : Complaint about XXXX XXXX and Roundpoint mortgage servicing LLc. Regarding removing PMI. 

Dear Responsible, I would like to inform you that my house was appreciated at {$680000.00} in XX/XX/2023 and the remaining mortgage was around {$400000.00}. Thus, I have paid more than 40 % of the mortgage. Hence, I qualify for PMI  removal. 
In XX/XX/2023, my Mortgage was transferred by my previous mortgage company [ XXXX XXXX XXXX XXXX XXXX ) ], transferred/sold my mortgage to another mortgage company ( Roundpoint mortgage servicing LLc. ). 
According to the documents and rules sent by both XXXX and Roundpoint mortgage companies that during mortgage transfer 60 days are provided to pay the mortgage without any penalty. 
Moreover, Roundpoint mortgage servicing LLc sent the email and in the welcome letter that I should not send the mortgage before XX/XX/2023. However, I sent the mortgage on XX/XX/2023. Thus, sent before less than 30 days due date. 
On XX/XX/2023, Roundpoint mortgage servicing LLc denied PMI by giving the reason that The loan to value ratio, based on original property value, does not meet the agency/investor eligibility criteria. 
On XX/XX/2023, Roundpoint mortgage servicing LLc denied PMI by giving reason that The mortgage loan does not meet the payment history requirements, meaning one or more payments have been XXXX or more days past due within 24 months or XXXX or more days past due within 12 months of the date we received your request for cancelation. 
Note : I always paid my mortgage on time without any exceptions. However, because the mortgage was transferred/sold to another company, which is not in my control. I was instructed to pay late after XX/XX/XXXX, as the system of Roundpoint mortgage servicing LLc was not established to receive my mortgage. Thus, I have no fault and followed all the rules and paid the mortgage on time always. 
Thus, this harassment must be stopped, and my PMI should be removed effective from XX/XX/2023. Moreover, I should be compensated for this unnecessary suffering. 
I have attached all the required documents ; please let me know if any other relevant document is required. 
Thank you very much and with regards.

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Fraud Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-23
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-10-25
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I stayed at the XXXX XXXX in XXXX, XXXX. I paid {$330.00} through XXXX on XX/XX/2022 for the evening of XX/XX/2022. When I arrived, the hotel insisted I never paid even though I had my CC statement and the receipt from XXXX to show them. Then they tried to charge me more than double the room price ( {$650.00} ) and Discover declined it due to an exceeding of my credit limit. After this, they processed the {$300.00} incidental hold ( which over the phone they told me twice that they do not charge to any guests ). 

The room was atrocious, shower floor was falling apart under my feet, bugs were flying around the room, hair and dirt all over the room and bathroom, room phone was broken, 1/4 roll of toilet paper was provided. I went to dinner and came back to discover these details. The front desk would not answer the phone when I used my cell ( since the room phone was broken ), no one was at the desk when I went down. They abandoned the desk until XXXX, I was forced to stay because I could not get my card off file since no one was there to assist me in the middle of the night. I have contacted them directly and asked for a refund through the messaging feature on XXXX app, they said a manager would reach me but no one has. I asked XXXX for help, they said they cant. So I contacted Discover, my CC company. They said because I stayed the night they cant dispute the charge. However, I tried to leave but there wasnt anyone available at the front desk to assist me. This is insanity and I need my money back. Please help me. I went to XXXX for a hospital visit because I have a health problem. This was a 3 hour drive plus a 3 hour train ride then a walk to the hotel just to result in such a disgusting situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: NJ
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello! 

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

The reporting of the late payments are also not accurate!!! 
these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

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 non-monetary relief
Consumer complaint received 2023-07-04
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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: Synovus Bank
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company closed and charged off account in XX/XX/XXXX. They have been reporting the account as closed on a monthly basis as of XX/XX/XXXX. Per FCRA, it is a violation to report a closed account on a monthly basis after closing an account due to manipulating my credit score. I have reached out to the company and credit bureaus regarding this violation and they have not fixed the problem. This account should be deleted for being in violation.

Company response to consumer: Closed with explanation