BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-10
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX XXXX XXXX, I bought a new set of XXXX tires for my car at Pep Boys in XXXX, MD. When purchasing the tires, I inquired about a credit card offer I saw online. The offer was to receive a " {$200.00} VISA prepaid card when you purchase and install a set of XXXX XXXX, XXXX, XXXX or XXXX tires with your Pep Boys Synchrony Care Care credit card* '' The * references a comment of " *In Store Only '', which was fine, because I was purchasing the tires in the store. The person who helped me said that I could fill out the credit card application and charge my tires, so I applied, was approved, and used the credit card for my tires purchase. I asked about the rebate and he said that it would be mailed to me. 

A couple months went by and I did not receive the rebate. So, I tried emailing Pep Boys customer support for assistance. First, they directed me to the wrong rebate - one sponsored by XXXX, not the Synchrony card. Then, they gave me a website for Synchrony promotions : synchronycarcare.sendmyrewards.com and a Synchrony phone number I could call : XXXX When I went to the website, they had rebate forms, but only for purchases in the then-current month of XXXX, none were applicable for much XXXX purchase. So, I called the number and asked for the correct rebate form. The person I spoke with said that I had to have filed the form within 30 days of the purchase and that she could no longer provide me a rebate form. I explained that I had been told that I would receive the VISA credit card and no further action was required on my part. Furthermore, the website promotion mentions nothing about a rebate form that must be filed. It does have an asterisk ( * ), which only refers to the need to make an in-store purchase. So, I had done everything in my knowledge and power to obtain the promised rebate. I asked if I could speak to a supervisor and was told she was the supervisor and that there was nothing more she could do. 

Attached is a copy of the web page showing the {$200.00} XXXX  prepaid card promotion and a copy of the email exchange with Pep Boys customer service.

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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete 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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have XXXX inquiries on my transunion credit report that I did not authorize XXXX XXXX XXXX XXXX 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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete 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 explanation
Consumer complaint received 2023-07-13
Company: EQUIFAX, INC.
State: NY
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX  XXXX Late Payment XXXX XXXX XXXX XXXX XXXX Collection Account XXXX  XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXXt XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX Charge Off Account XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXXXXXX XXXX  XXXX Collection Account XXXXXXXX XXXX  XXXX Collection Account XXXX XXXX  XXXX Collection Account XXXXXXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Experian, XXXX XXXX, And XXXX are obligated by FCRA to report accurate accounting. The consumer has advised ALL the inquiries reported were fraud, and said the company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of the consumer, the consumer is now requesting Experian, XXXX XXXX, And XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian, XXXX XXXX, And XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. the consumer is NOT asking for an e-oscar report, If Experian, XXXX XXXX, And XXXX do not have documentation to show these were in fact authorized they must be removed ASAP. Said company is liable under the SEC to follow certain rules, Experian, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers ' accounts

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 2023-11-30
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient Corporation, The purpose of this is to communicate the extreme financial hardship I endure over a XXXX  XXXXXXXX timeline, as part of my student loan experience. What I had hoped for, was an associates degree in computer programming, but the outcome was the opposite. My loan originated on XX/XX/XXXX in the amount of {$10000.00}, issued from Sallie Mae Corporation. The original federal loan allowed me to attend the former XXXX XXXX XXXX. Due to a lack of money for rent and food, I was only able to complete less than a year of school. I was forced to move back home, to work full time. Over the course of 19 years, my immediate family members were often helping me with my loan payments. I did not have any positive experiences repaying my loan. Deferred payments, harassing phone calls, late fees, forbearance and a non-existent income- based repayment plan were all very discouraging. Overall it didnt appear that anyone from the Navient Corporation had my best interest in mind. My loan history documentation will confirm the financial distress to which I am referring. By the end of XXXX, my loan balance was still XXXX. I was able to reach a settlement with Navient for XXXX with the help of a family member. The settlement date was XX/XX/XXXX. In total, I repaid Navient XXXX. Along with the above mentioned, my credit score was severely damaged and continues to be to this day. I reached out to Navient in XX/XX/XXXX, for discussion regarding the federal lawsuit against the corporation. The response I was given was, since my account was settled, they had nothing further to discuss. I have been a public service employee for XXXX years in XXXX XXXX XXXX XXXX XXXX XXXX Ive been with my current employer for XXXX years. I can provide previous employment history upon request. The wages I earned did not provide me with enough money to support myself and repay my Navient loan. It is my understanding, that my employment history along with negative student loan experiences, would qualify for loan repayment in the full amount of {$27000.00}, as well as resolution to the above stated hardship. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT XXXX XXXX XXXX 2 LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$1600.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Note Loan Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XXXX XXXX  Original balance {$1600.00} Monthly payment - Last payment date XXXX XXXX XXXX Additional info Responsibility Individual Terms 24 Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX, NY XXXX Phone number ( XXXX ) XXXX XXXX U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. 

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


PS! 
THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW 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 2023-12-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Equifax I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX XXXX  Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXXXX/XX/XXXX : Account number : N/A, XXXX  accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, XXXX accounts can't show a balance. I need this fixed ASAP. 30 days should be enough. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting 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:
Please know the information on my credit report is not correct. I've listed inquiries and accounts that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard with the institutions responsible for reporting accurate, complete and permissible information I am seeking help from a higher source. Please remove urgently.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 Account # XXXX, Account name : XXXX Account # XXXX, Account name : 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 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 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 2023-11-13
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
Your selection of options that I choose is not because I cant Pay, We can Pay, its the many years of fraud, lost data, transfers and unable to get Any Arm of Support to tell the truth Many years ago my loan was transferred from XXXX  XXXX XXXX and loan, I had a floating interest rate but didnt even know that I had a floating interest rate in the financial madness of the early XXXX. I like everybody got sucked into this thing and never had a mortgage that said it was changing to a variable loan. 

My wife got XXXX in XXXX as we were struggling to get back on our feet, filed bankruptcy when XXXX XXXX sued, filed a XXXX XXXX and spent XXXX of thousands to fight losing our home to laws that have since Changed. Loan sold to XXXX, XXXX loan serving, and recently Rushmore Servicing. Rushmore never sent end of year escrow balances, nor when sold to Me. XXXX. The new company Rushmore Serving said they need 4 more payments and then the got Hacked. I am meeting with an FBI agent. I will file with XXXX XXXX asap. I will hire an attorney and I started with a XXXX loan and a XXXX HELOC in XXXX. I still owe over XXXX XXXX  years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
The accounts and inquiries below are all fraudulent and do not belong to me. Please remove them from my credit report. I have included the identity theft report as well. Please also update my address to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. I don't have any other addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please removed these fraud Inquiries below. 

XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
According to FCRA 15 USC 1681 credit reporting agencies have to report 100 % fair timely and accurate information. I have since sent in correspondence to the bureaus to remove the inaccurate information and they fail to correct and error as well as remove any account they have yet to verify being mine all accounts are alleged, I have no knowledge of said of accounts and they cant verify anything yet they continue to report it. The dates aren't accurate the payments aren't the same, nothing matches up on my report with these alleged account. They need to be removed immediately.

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 2023-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX was reporting on my credit report and I had a lawyer investigate this company and it's not a real credit card company and it has been removed from my XXXX credit report but not XXXX or Equifax Credit report and I do have proof showing it has been removed from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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:
I submitted A dispute to both experian and XXXX for removal of all five of the student loan accounts from XXXXXXXX XXXX XXXX XXXX as all five loans have been discharged and I was advised all accounts would be removed from all three credit files. I submitted A copy of the letter to each credit bureau and experian refused to remove these five accounts. I have attached the letter with this complaint for review to insure these student loan accounts are successful removed from my credit file.

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