BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-07
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had two credit card accounts ( Walmart {$160.00} and Care credit XXXX ) that were in collections. Walmart was paid off on XX/XX/XXXX and Care Credit was paid off on XX/XX/XXXX. I paid off both accounts and have the letters to prove it. It still shows up derogatory or negative on my credit report. With these accounts still showing negative is preventing me from getting other credit or loans. I just want the accounts to show that they are paid and take the negative status off.

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 2022-12-29
Company: EQUIFAX, INC.
State: FL
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:
Hello my name is XXXX and I am writing to delete the following information on my credit report. The items I need deleted are listed in my report. These items on my report are causing me to not get approved for a house and vehicle. I am a victim of identity theft and did not make these charges on my report. I ask that the items be permanently deleted to correct my credit report. I reported these issues to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Again I ask for these items to be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello my name is XXXX and I am writing to delete the following information on my credit report. The items I need deleted are listed in my report. These items on my report are causing me to not get approved for a house and vehicle. I am a victim of identity theft and did not make these charges on my report. I ask that the items be permanently deleted to correct my credit report. I reported these issues to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Again I ask for these items to be permanently deleted.

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 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As far back as XX/XX/2021, I've been writing to XXXX XXXX for information about this debt with NO response ( see attached letters with fax confirmations ). I even asked the bureau to investigate the account, and they didn't respond to me either. When it comes to collection agencies and credit bureaus... one lies, and the other ones swear by it! Six months has been long enough. I want this account deleted!

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: 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: Card was charged for something you did not purchase with the card

Complaint:
on XX/XX/2021 charges were made on my discover credit card that were fraud. In an amount of about {$7500.00} before any other fees they added. 

My properties was stolen and used without my knowledge and authorization. I lost my Discover credit card, XXXX credit card, Td bank credit card, as well as my phone and i.d . Charges were made on all cards. Discover card did not protect me when i contacted them to let them know that fraud had happen on this account and by law i am aware that XXXX not to be held responsible for anything without my agreement and im to be protected. i notified the police and have the report number here ( XXXX ) I sent this to discover as well and nothing was done. They claim that the charges was valid without validating them. Someone stole my identity and used my charge cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report 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 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that cred it reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
Bankruptcy XXXX XXXX - Discharged : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX  : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX  XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXXXXXX XXXX : Account number : XXXX, This account is a result of identity theft. 
XXXX XXXX XXXX : Account number : XXXX, This account is a result of identity theft. 

I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k.

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

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 2022-04-22
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two XXXX loans that are being serviced by Navient, and per their own website these are federal loans. I have been under an XXXX repayment plan since graduation but this is now the second time that I have been kicked out of the XXXX program and had my interest capitalized. I will NEVER pay my loans off at this rate. They are saying that my loans are actually private loans and that they don't qualify for the XXXX pause. They sent me one letter saying my payment was going up a month ago, and then just after that the student loan pause was extended again. And now when I log into the XXXX website, it shows those Navient loans listed and when I go in to fill out the recertification paperwork for the XXXX it says I'm not due to recertify until XXXX. 

I got screwed over once already a few years ago when they rejected my XXXX application and didn't tell me and I only find out when I see a huge charge on my bank account and find I had thousands in interest capitalize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: WSFS FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Dear WSFS, Attached please find IRS Form XXXX from XXXX XXXX XXXX. 

Attached please find Plaintiff 's Exhibit # 10 from Case No. XXXX XXXX County Florida. 

Attached please find XXXX XXXX XXXX XXXX Loan Schedule re account # XXXX. 

Attache please find XXXX XXXX XXXX XXXX Loan Schedule. 

It appears the 1099 A from XXXX  is inaccurate including but not limited to lender name, amount and account number. 

Kindly please provide accurate IRS Form 1099A or please us a send copy of letter from WSFS to the Internal Revenue Service that the attached 1099A from XXXX  was sent in error.

A copy of the financial statement that would prove what account was recorded to the accounts receivable ledger is also hereby requested.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: ID Analytics, 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:
All I know is this : SageStream LLC, on the behalf of XXXX XXXX XXXX is the biggest elephant in the room! Either most, some, and or all three major credit reporting agencies/matters are being advised, and determined by or with the help of these bad characters, and actors! In the past, and some yrs ago, it was XXXX XXXX XXXX that done the following ; hinder, and prevented me from obtaining : an affordable, decent, livable, suitable, healthy, protective, comfortable, peaceful, and the most safest environment to live in! Which led to me, not being able to choose, and select that was in my best interest! All that played a part, in my overall health being : in the status, state, and unsatisfactory conditions! Because of their bad reporting, inaccurate submissions, advises, misconduct, failures, transparency, bias, overreach, carelessness, ignorance, and extremely bad practices in nature! Now, they're pretty much doing, the same thing in this matter! As a result of this, in most cases its leading to, unnecessary credit denials, and declination with future creditors! In my closing, its definitely having a lasting impact, on how I'm being treated, and ongoing troubles : with all three credit reporting agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-26
Company: Carter-Young, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to inform you I have been a victim of identity theft/fraud and many of my accounts were compromised without my consent. Someone form your company Carter Young Inc. acc # XXXX contacted me about a alleged debt that showed up on my XXXX credit report. Date XX/XX/XXXX amount XXXX . I sent a certified affidavit to XXXX and the company Carter-Young Inc, disputing the alleged debt. I did not authorize the account, and on my credit report says " JOINT '' account and I did not have a contract with the company Carter Young Inc. As stated above I have been a victim of identity theft. I also provided proof with a police report and didn't get a response from the company. I am requesting that the following account be removed immediately from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 Accounts : XXXX XXXX XXXXXXXX {$360.00} RXXXX XXXX CORP-unavailable balance XXXX XXXX XXXX {$760.00} Inquiries : XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards Inquiry XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Reseller ) Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXXXXXX All Banks Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX - XXXX XXXX National Credit Card XXXX. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX  Specialty - Shoe, Hat, Etc. 
Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Banks and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX Banks and XXXX & XXXX Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX  XXXX Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Banks and XXXX & XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Finance other than personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit card and XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX You have 0 public records

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: AMERICAN EXPRESS COMPANY
State: OH
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 made a purchase in XXXX of 2019 of {$20000.00}. This came out of my Home Equity Line of credit from my account at XXXX XXXX. It was marked as paid with my American Express Credit card. Then in XXXX of 2019 my Home Equity line of Credit was charged another {$20000.00}. I question XXXX  and XXXX   asked the money be returned to my account. The money was returned. My American Express Card was charged {$20000.00}. I did not charge another {$20000.00}. American Express says there charged me because the XXXX took the money back. I went to the bank and found that the same check that was charged for the {$20000.00} in XXXX was again charge in XXXX. I have copy 's of the same check American Express use both times and the second the the check was used there are mark indication it is a copy. I have contacted American Express on numerous occasions never getting the same persons and they just reopen another investigation. I have automatic deduction from my American Express card. I get notices that I am overdrawn. This is hurting my Credit Score. American Express has not helped me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CITIBANK, N.A.
State: LA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been having problems with my XXXX XXXX for about the last 6 months. After contacting Sears XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( which in the beginning was difficult to reach a person ) and after waiting for appointments and parts, the Technician determined that the refrigerator could not be repaired. He was a nice and older gentleman. After not hearing from them like he said they would, I called them back after a week. I finally spoke to the Rep, XXXX XXXX XXXX XXXX she was courteous and explained the options I had available to me and then get back with them ( see email ). She further advised me the option included same specs of my current refrigerator. However, upon further review it was Not correct. I have not been able to get her to call me, but I have sent several emails to try and clear up the confusion ( see emails/pictures included ). I called Customer Service several times, last time XX/XX/ and spoke with XXXX XXXX XXXX XXXX XXXX XXXX and explained my issues. He recommended I send another email and said his Support Team would be sending an email to the Rep too. She later responded by email that evening with the same response that I had to choose from the options given, which is not XXXX. No one has bothered to give me a courtesy call-in spite that I asked to speak with a manager. I feel they are forcing me to take less money. Pardon this analogy but, Sears is offering me the cost of a XXXX  for replacement of my 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 2022-01-13
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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