BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
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: Account information incorrect

Complaint:
On XX/XX/2022, I requested verification from XXXX for an account. They verified the account there is inaccurate information on my report. 

XXXX XXXX  Date of Last Reported Update has now been changed to XX/XX/2022 due to the XXXX XXXX # : XXXX is incorrect The Date XXXX XXXX XXXX XXXX  is incorrect Date of Last Payment is incorrect Date Closed is incorrect I would like this account to be taken off my credit file. I do not believe the verification was completed and wrong information is still being reported. 

If inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am a victim of Identity Theft, on XXXX and XX/XX/2022 ive disputed this fraudulent id theft account on my report ( XXXX XXXX XXXX XXXX # XXXX ). 
experian and XXXX have not responded and they haven't removed this fraudulent account. i filled out a ftc report for this account and they still ignore me. 
pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt of my last letter and they failed to do anything for two months in a row. 
thats against the law and its been more than 30 days since my last letter on XX/XX/2022 Also the XXXX XXXX XXXX XXXX # XXXX is a charge off and has a balance of {$16000.00}, htis is a charge off account with a balance, how can it have a balance if XXXX has been paid n written it off on there books, and i also received a tax form for it. 

experain and XXXX are breaking a number of consumer laws FCRA 605B ( 15 U.S.C. & 1681 c-2 ) 15 U.S. Code 1681b- Section 609 ( a ) ( 1 ) ( A ) of FCRA 605 B 15 U.S. Code 1681 C-1 15 U.S. Code 1681i ( 5 ) and needs to be removed and deleted for violations of all these laws

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 2022-02-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX. I received a denial letter dated XX/XX/XXXX listing the denial reason, Prior Synchrony credit account not paid as agreed. On XX/XX/XXXX, I mailed a letter to Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, requesting the name of the Prior Synchrony credit account not paid as agreed. As of XX/XX/XXXX, I did not receive a reply from Synchrony. On XX/XX/XXXX, I searched the internet and found a telephone number for Synchrony Bank customer service, XXXX XXXX XXXX. I spent at least one hour on the phone being bounced back and forth between Synchrony and XXXX trying to get an answer. I was given an alternate phone number XXXX XXXX XXXX. I was given a number for XXXX XXXX XXXX XXXX. Each time I spoke to a representative from Synchrony and XXXX, each one referred me back and forth to Synchrony and XXXX. Finally, I mailed a second letter to Synchrony on XX/XX/XXXX, priority mail, tracking number XXXX XXXX XXXX XXXX XXXX XXXX the name of the Synchrony credit account not paid as agreed. As of this writing, I still have not received a reply from Synchrony. I am attaching copies of my letters to Synchrony dated XX/XX/XXXX and XX/XX/XXXX and copy of denial letter from Synchrony.

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 2022-10-28
Company: BARCLAYS BANK DELAWARE
State: NY
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:
Per the correspondence of Barclays, they have admitted they closed down the website not allowing me to make payments. 

This is what they quoted " On XX/XX/2022, you spoke with one of our representatives who restored access to your customer website, and the access is still available as of the date of this letter. '' In addition here is another quote from the same letter " We have verified that the tradeline is reporting as in dispute with the consumer credit reporting agencies since XX/XX/2022. Your account was reported delinquent as minimum payments due between XX/XX/2022, through XX/XX/2022, were not made or satisfied as per the terms of your Cardmember Agreement. " If they didn't allow access in which I tried since the inception and the cancellation of the card how would I have been able to pay. I couldn't even get through to the institution. 

If you look at the credit agencies yes I am delinquent for all those dates and yes they admit shutting down their website. Therefore as you can see from the credit agencies those are the dates in which I was delinquent. Exactly every one of those months. 

How much clearer can it be that they have caused harm to my credit, shut down my account and also caused tremendous suffering to me and my family. 

I had to reach the CEO at Barclays in XXXX to get the person that is corresponding his attention. He continued to ignore what I had to say. You can flat out see in their letter that they didn't allow me to make payments. 

I don't know what FTC can do to rectify their harm and what they need to do as a penalty for hurting 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 2023-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX, I received an email from Bank of America stating that my new account has been opened. 


On XX/XX/XXXX, I received a second email from Bank of America thanking me for interest in opening an account but theyre unable to do so online. The email then says I can get help opening an account at a local financial center Ive never tried to open any account or do business with Bank of America

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 2023-12-04
Company: EQUIFAX, INC.
State: FL
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-02-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax confirmation # XXXX, is reporting the following addresses, inquiries, name and employer fraudently Inquiry : XXXX. XXXX XXXXXXXX XXXX dated XXXXXXXX XXXX XXXX  Names : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXXXXXX XXXX Address : XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX Washington XXXX DC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that there are many unverified inquiries in my credit report. The inquiries listed in my report were unauthorized. I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continue to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : 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 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 2022-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I viewed my Transunion credit report online and saw an inquiry that I have no knowledge of and that I did not authorize. The inquiry was from XXXX XXXX for XXXX XXXX which is not my name.

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 2023-10-18
Company: Experian Information Solutions 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I received an email that my Capital One Travel Rewards trip, booked XX/XX/XXXX, had been changed on XX/XX/XXXX. I was advised to contact their travel arm or XXXX XXXX XXXX XXXX said they could offer me no information about the rescheduled flight and that my trip had been canceled. They advised me to contact Capital One Travel. I have called at least ten times and have either been disconnected or placed on hold for over half an hour with no one answering. I booked my XXXX flight early in order to get a good price. It is a one way trip from XXXX to XXXX, XXXX, through XXXX. I paid XXXX or {$720.00}. I have hotel bookings and do not know if I should cancel them or book another flight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: U.S. BANCORP
State: IL
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 went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX  XXXX  account # XXXX Balance {$44000.00} XXXX account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX  account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX  account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.

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 2022-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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 went to apply for a credit card and it was brought to my attention that there were multiple credit accounts opened in my name fraudulently without my permission. I spole with the 3 major credit bureaus and they told me to file a report. I tried also contacting the companies and they advised me also to file a report. The fraudelent accounts are listed below : XXXX XXXX account # XXXX Balance : {$19000.00} XXXX XXXX XXXX account # XXXX Balance {$44000.00} PORTFOLIO account # XXXX Balance {$2200.00} XXXX XXXX XXXX account # XXXX Balance {$1500.00} XXXX account # XXXX Balance {$1500.00} XXXX XXXX XXXX  account # XXXX Balance {$4500.00} XXXX XXXX XXXX account # XXXXBalance {$8800.00} XXXX account # XXXX Balance {$4500.00} XXXX account # XXXX Balance {$3800.00} XXXX XXXX account # XXXX Balance {$1400.00} all these accounts were opened XX/XX/2022 without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
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:
NOTICE OF DEFAULT OPPORTUNITY TO CURE This is a response to XXXX XXXX Credit Acceptance my CFPB complaint is # XXXX Be advised that the CFPB ( Consumer Financial Protection Bureau XXXX is the only Bureau. XXXX, XXXX, XXXX are in fact Consumer reporting Agencies. 

Your policy does not oversea federal law. 
As a consumer i respectfully gave your financial institution specific directions in my cease & desist. 

You are now intentionally willfully and knowingly using false, deceptive, and misleading representation It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal 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 explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: PayActiv, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I received a letter and debit card for an account that I did not open. I called both PayActiv and XXXX XXXX XXXX XXXX XXXX. PayActiv refused to close the account and XXXX XXXX XXXX XXXX XXXX refused to close the account. I did not open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The attached document account with XXXX XXXX, is inaccurate, fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX account : Please remove all of the inquiries as stated above, as they are listed below from Equifax report. The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please be advised, on Tuesday, XX/XX/XXXX around XXXX XXXX The Chase Bank Agent, XXXX XXXX stole my check number # XXXX XXXX, Amount {$2.00} XXXX. On Friday, XXXX XXXX, I reached the Chase Bank located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY-XXXX due to the fact I reported above. Unfortunately, XXXX XXXX XXXX denied and his Supervisor call the XXXX Police Officers who said that the Supervisor did like to see me around the Chase Bank meanwhile I am a Chase Bank customer since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: Account Managers, Inc.
State: ND
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:
ALL 3 MAJOR CREDIT REPORTING AGENCIES ( XXXX, XXXX, XXXX ) are mistakenly reporting a balance on an account on my credit. The name of the account is " XXXX XXXX  ''. Due to this inaccuracy and my multiple attempts of trying to get this rectified, it is unlawful to continue reporting such account. please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 under 15 U.S.C 1681 Section 602, which protects my right to privacy, these XXXX accounts that appear on my credit report under the following names have violated my rights, which I invoke : 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 I am also invoking my right under 15 U.S.C 1681 Section 604 A Section 2, which states that a consumer reporting agency can not furnish an account without my written instruction. I have not provided any such instruction for the listed accounts to be included in 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 2023-07-20
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Have already filed a complaint when this happened and would like to be compensated in current lawsuit against them.

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