BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
This issue has been going on with my QVC Credit card via Synchrony Bank. Since I believe XXXX or XXXX maybe slightly earlier they have forced customers to use their Account Manager. 
I practice an account manager program is probably a good thing, all cards from a company can be seen all at once, however the diabolical corporate idiots decided to not only FORCE you to sign up for the use of the Account Manager you have to give up your right to have Agree to the Consent to Electronic Communications. 
I want all my communications done by mail, that way I have proof that something was sent, if they want to create a tab for Communications that would be fine. 
Prior to this I had no problem signing into my account for QVC. Then I had to remember over the summer of 2022 that I had to slide this bar or tab so that I could get around using the Account Manager. 
NOW I'M BEING FORCED TO USE THE ACCOUNT MANAGER IF I WANT DETAILS OF MY ACCOUNT AND TO SEE WHAT MY CURRENT BALANCE IS OTHER THAN WHAT MY STATEMENT SAYS. 

THIS IS WHAT I GET FROM THE POP UP WINDOW BEFORE I'M ABLE TO SEE ANY INFORMATION. 

Welcome to your account manager A simpler, faster and more convenient way to manage your Synchrony accounts. 

By using the account manager, you agree to the updated Consent to Electronic Communications. Your current communication and statement delivery preferences are not affected by this change.

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 2018-08-06
Company: ERC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was XXXX. I disputed this account when XXXX XXXX was on my report with same account. 

This account was deleted of my report they could not verify or have my signed contract. 

XXXX XXXX needs to delete this off my 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
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 XXXX the following accounts have violated my rights. 

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 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: NY
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:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I got a loan through my bank and they failed to do a collateral search on this piece of equipment I purchased. They asked for the machines serial number but never did any research on the machine to find out that the guy I was buying it off of, for one didnt even own the machine and XXXX it belonged to another bank. So now Im out a machine and {$80000.00} that I have wrapped up in this machine that I will never see again because of my bank did not doing the required steps

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: Robinson, Reagan and Young PLLC
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:
An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer in the mail to open a Wells Fargo account and receive a {$300.00} bonus for direct depositing a certain amount in the first few months. My wife received the same exact offer. When I opened my account online on XX/XX/XXXX, there was no indication that the promotion was credited. I went into the branch with my wife a few days later and she opened her account in person to make sure it was coded correctly. The XXXX in the branch also said they would fix the coding on my account to reflect the promotion. 

My account was credited a bonus of {$200.00} on XX/XX/XXXX ; not the {$300.00} as advertised ( and as the clerk in the bank assured me they fixed ). I contacted Wells Fargo multiple times to get this resolved, but all they kept telling me was that the account was coded for a {$200.00} bonus and that was granted. I agree with them that it may have been coded that way, but that was due to a mistake of the bank employee, and does not reflect what was advertised to me. 

The final step was me filing a complaint with their internal customer advocacy team around a week go ( XXXX ). Wells Fargo responded to the complaint today, once again reiterating that the account was coded for {$200.00} and not acknowledging that it was coded incorrectly. 

Wells Fargo often runs similar {$300.00} promotions so there would have been no reason for me to sign up for a {$200.00} sign-up bonus offer.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 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 non-monetary relief
Consumer complaint received 2021-07-10
Company: LJ Ross Associates
State: IL
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
me and my boyfriend were messaging this well-known XXXX XXXX XXXX XXXX which we come to find out he was impostering this account. It was a fully verified account with XXXXXXXX XXXX XXXX told us to wire money to this specific account for a watch we did and no one responded and we got no watch

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Choice Recovery, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : You are reporting and publishing inaccurate information ( tradeline ) AND ( inquires ) in your consumer reports allegedly concerning me. Your conduct has caused me a lot of distress and financially harmed me with out-of-pocket costs and loss opportunities. 

The following account you are publishing about me is inaccurate because under 15 USC 1692 you are in violation of my consumer rights. 


CHOICE RECOVERY XXXX I request that you delete the above-listed tradeline, inquires and provide me an updated copy of my consumer report. Inform anyone that you reported the deleted information to that it has been properly deleted. If you conclude that the tradeline item is verified, I request details of your method of verification under 15 USC 1692g. 

For identification purposes, my social security # is XXXX and my date of birth is XX/XX/XXXX. I am enclosing a copy of my identification as proof of identity and mailing address. 

In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Therefore, I request that any future inclusion of consumer information concerning me be sent to me first for my review before you prepare and publish any information in a consumer report about me so that I can confirm the accuracy and completeness of the same. 

Your prompt attention to this important matter is requested in compliance with federal law. Everything stated above is under the penalty of perjury and the other specific language that accompanies this letter. 

Regards, XXXX XXXX XXXX --

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: OH
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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: AL
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:
Equifax deleted a bankruptcy but never removed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2019-08-01
Company: National Enterprise Systems, Inc.
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt collector is attempting to collect a debt for a truck that is not my account. Her name is XXXX XXXX and her phone is XXXX XXXX. When I call her back to tell her that this is not my account she asks for the number that SHE is calling. I do not know what number she is calling so I give her the main number to my place of work so she can remove it. That number does not come up in her system so there is nothing she can do. I keep getting calls from her and it is embarrassing and harassing at my professional medical office. This is not my debt and they have the wrong person but she has no way to remove me unless I can tell HER THE CORRECT NUMBER THAT SHE IS CALLING. This seems wrong to 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 explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NJ
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:
I lack knowledge about the specifics, but it's evident that this investigation was not sanctioned by me and was conducted by the creditor without my consent! Immediate removal is vital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: Experian Information Solutions Inc.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 non-monetary relief
Consumer complaint received 2023-01-12
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX My NETSPEND ACCOUNT WAS SCAMMED ..... I IMMEDIATELY CALLED NETSPEND TO TELL THEM THE UNAUTHORIZED TRANSACTIONS WASN'T ME. I WAS TOLD I HAD TO PUT IN A CLAIM WHICH I DID BUT BEFORE ANY MY ACCOUNT WAS SCAMMED SO NETSPEND BLOCKED MY CARD NEVER THE ACCOUNT BECAUSE ALL WEEK I HAD UNAUTHORIZED TRANSACTIONS WHICH I CALLED EMAILED ETC TO EXPRESS THE UNAUTHORIZED TRANSACTIONS AS WELL AS HOW IS MY FUNDS STILL BEING USED WITHOUT MY KNOWLEDGE ESPECIALLY EXPRESS I HAVE BEEN SCANNED AND ALL TRANSACTIONS WAS FRAUD .... I DEFINITELY EXPLAIN EXPRESSED BEYOND MEASURE NOW NETSPEND NOT GIVING ME ME REMAINING FUNDS AS WELL AS MY RECOVERY FOR ALL THE CLAIMS XXXX... WAS TAKEN NETSPEND SENT ME CLAIMS WITH THE AMOUNT .... THERE PLAYING MAJOR GAMES.. I NEED MY FUNDS AS WELL AS MY RECOVERY ... ..THIS IS TOTALLY UNACCEPTABLE TOTALLY UNSATISFIED ... ... .I NEED IMMEDIATE ASSISTANCE ...... PLEASE

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