BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
Company: SYNCHRONY FINANCIAL
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had an account thru synchrony bank for a Gap credit card, someone changed my address and charged XXXX worth of fraudulent charges to my card. I have been in contact with synchrony since XXXX 2022. They failed to do anything about the charges. They transferred the portfolio to XXXX XXXX  in XXXX. I have contacted them several times and have been told they cant help me. Synchrony and XXXX both say there is they can do to help. Please help me, this is impacting my life. I have always paid my bills on time and take pride in maintaining a great credit score. Thank you.

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 2022-08-15
Company: COMMUNITY REINVESTMENT FUND
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Received a credit card in the mail. Tried to login in online. Only to find out that someone has stolen my identity. XXXX XXXX told me to contact you and see if my SSN. Is being used else where. This person had my name, address, phone number, ssn. This persons email that applied is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX  already collected the debts XXXX  multiple times an recovery funds multiple years still using the same debt fraudulent activity to collect money an reporting deceased illegally an reporting false information an payment to receive more money reported to TransUnion credit report agency were they failed to investigate the debts collected agency due to falsely report information an XXXX XXXX XXXX XXXX XXXX sold my personal information after they received multiple payments statement said paid reported to TransUnion as unpaid an TransUnion credit agencies refused to delete XXXX XXXX  company an XXXX XXXX XXXX XXXX XXXX from my credit report that hurting my credit score due to illegally activities going on with these companies I requested everything be removed an deleted from my report reporting false information

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 2022-07-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
After a thorough research of the accounts I Im responsible for I contacted Experian to verify the accuracy of my report and the inaccurate data reporting for months to possible years In accordance with the Fair Reporting act Experian member Id XXXX Has violated my rights 15 U.S.C 1681section 602 A. States I have a right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not 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 2023-10-17
Company: EQUIFAX, INC.
State: FL
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX XXXX XXXX XXXX already collected the debts XXXX  multiple times an XXXX  XXXX  multiple years still using the same debt fraudulent activity to collect money an reporting deceased illegally an reporting false information an payment to receive more money reported to TransUnion credit report agency were they failed to investigate the debts collected agency due to falsely report information an XXXX XXXX XXXX XXXX XXXX  sold my personal information after they received multiple payments statement said paid reported to TransUnion as unpaid an TransUnion credit agencies refused to delete XXXX founding company an XXXX XXXX XXXX XXXX XXXX from my credit report that hurting my credit score due to illegally activities going on with these companies I requested everything be removed an deleted from my report reporting false information

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 2022-05-18
Company: AmeriHome Mortgage Company, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to the pandemic, my hours were cut at work and I learned from my mortgage company that I could forebear my payments and keep my home, so I did. But on XX/XX/2022, I received a letter from my mortgage company indicating that I had a surplus in escrow in the amount of {$1800.00} but that due to the delinquent status of my account, they would be retaining my surplus. I called them to dispute this matter but was never called back. A few months passed by and I was able to start working full time again and informed my mortgage company that I wanted to end the forbearance plan and resume making my mortgage payments and immediately a package arrived for me to sign all the papers needed to push all funds owed under the forbearance to the back of my loan, that was notarized and sent in and around XX/XX/2022, I received email notification that all payments had been made and my loan was caught up to date. So, I then called the mortgage company about my surplus, asking for it to be released to me. The representative said, yes, this would take about 3 business days and I should receive a check in the mail. I never did and when I called back and spoke to a different representative, I was told that an investigation would need to take place and the next letter I received indicated that I owed XXXX or that my new mortgage amount would go up from {$1400.00} to XXXX per month ; this email was sent to me on XX/XX/2022. 
I have a serious concern that wrong doings have happened to me and need an external advocate, hence I am writing to you. 
Please assist me, for something is wrong within this company. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: NC
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:
I am writing to EXPERIAN with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.

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 2020-06-01
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Paypal has not responded to my communication request through email and their messaging system, which states that money was sent to them by XXXX through Visa.

This is an update to the case - please do not close as duplicate as it is using new and updated information. I am only uploading one single document to prevent confusion. 

Per XXXX - " When we completed our research, we sent your funds back to PayPal through Visa. The merchant can locate the funds by using ARN numbers XXXX and XXXX " Paypal has stated on their website that I won this case - This was miscommunicated to XXXX XXXX, who sent the funds back to Paypal. So, now that the money is back to Paypal 's hands, per Paypal 's policies I won this case based on the seller having no protection due to it being sold through Paypal Gift.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: OPORTUN FINANCIAL CORPORATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Oportun allowed fraudulent charges on my credit card, I haven't made any purchases on the card as of today. XX/XX/2022. Yet Oportun show 's the balance is {$500.00}, I did call XXXX XXXX  and advised them that I never made charges on this account as of yet, that there are fraudulent charges from a XXXX XXXX, fraudulent charges from a XXXX, fraudulent charges from a XXXX  's and XXXX XXXX. I have not made any of these charges. These charges date back month 's ago, I already called in and reported that. Oportun never assisted me with these charges. Instead on XX/XX/2022 The date the payment was due Oportun proceeded to charge me with a LATE PAYMENT ON THE DATE IT WAS DUE. In the amount of {$25.00}, and they harass me daily. Again, I haven't made any charges on the card as of yet, so there shouldn't be any balance. I want these fraudulent charges disputed and investigated. These are unauthorized charges. These date back month 's, and Oportun continually doesn't assist with the issue. Instead assumes I should pay for the fraudulent transactions. I have made several attempts to contact their customer support to advise of this including the number that I was directed to call for the Fraud Department and the lady never could understand me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested and was granted by XXXX XXXX a payment accommodation ( deferral ) plan on or about XXXX of 2022 in accordance with the Cares Act. My account # is XXXX. Late payments were reported in XXXX and XXXX of 2022. 

On two different occasions XXXX XXXX reported me late to the credit bureaus adversely affecting my credit. XXXX XXXX was prohibited in reporting me late as I was making modified on time payments as a part of the deferral agreement, and the agreement was made under the protection under the Cares Act regarding credit reporting an scores. 

According to the law, when you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. XXXX XXXX failed to do that and reported me late severely damaging my credit score, and costing me several business loans and credit cards. The Cares Act was extended by Congress in 2022.

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 2023-10-17
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXXXXXX, PA XXXX ; XXXX XXXXXXXX XXXX  Balance : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$170.00} ; 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, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: FL
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-18
Company: LDF Holdings, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
In XXXX I asked for {$400.00} loan and the girl insisted she gave me {$1100.00} I told her I did not need this amount she said you can give it back what you do not use. I paid XXXX payment of {$220.00} and today asked for a payoff and was told it would be {$1300.00} does that not mean I am charged {$540.00} interest for 2 months PLEASE ADVISE THANKS XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX  account XXXX and XXXX XXXX  account XXXX is still showing on my credit report. This account is more than 7 years old. every time I try to call or mail a letter to get it removed all I get is that it has been verified. I have asked for proof this account is not 7 years old and never get a response. I have written several letters and made phone calls with zero assistance. Debt over 7 years old must be removed or they must show proof to validate it can legally still be reported. experian and XXXX  refuse to remove old debt. The next step will be having my attorney file a lawsuit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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:
I am submitting this complaint on my own behalf as a urgent matter. Accounts are furnished to my report that i did not consent to.

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 2021-06-02
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:
I have openly announced to your company that there is an error on my credit report. You have constantly ignored my request to remove the item. I refuse to let your inability to look into this matter cause me to stress and struggle to get financing. Today XXXX demand you do something about it. I have contacted my lawyer and I will seek litigation if I need to. 
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  data breach/ identity theft all is being investigated by the FTC according to the FCRA 605B this information must be blocked immediately until the investigation is over. 
COPY OF FTC REPORT IS LOCATED INSIDE.

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 2022-12-06
Company: EQUIFAX, INC.
State: TX
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: FL
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:
I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) to Cease and Desist communication with my consumer credit reports pursuant to 15 U.S. Code 1692c ( c ).

Failure to comply will result in fines. Best 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I, XXXX XXXX, Consumer, dated on XX/XX/2022 demand XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX ) to Cease and Desist communication with my consumer credit reports p

ursuant to 15 U.S. Code 1692c ( c ). Failure to comply will result in fines. Best 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 non-monetary relief
Consumer complaint received 2022-01-17
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was a couple days late on a credit card. I couldnt log in so I called the credit card company spoke to an associate that told me if I paid card off in full that theyd wave the late fee. I done as they asked. I received a bill for only a late fee 2 Months later stating it was double {$70.00} plus charged me interest on the late fee. I done as they asked. I still had to pay this to get my account cleared up. However, the associate did knock off some of the $ and they reported me for late fees and interest not any kind of purchases I made after I was told the late fee would be removed if I paid my bill in full as I did. I will never use this card again. They are desperate and hard up to lie to me to get me to pay my balance and still put me as late on my credit report. They are the only late credit card on my credit out of about 12 credit cards.

Company response to consumer: Closed with non-monetary relief