BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-04
Company: SYNCHRONY FINANCIAL
State: OR
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:
XXXX : Called Care Credit to question {$3600.00} amount on Credit Card. They could not provide payee name. Disputed Transaction. My first knowledge of this charge made XX/XX/XXXX. 
XXXX :. No record of dispute. Advised to not make payment. Refiled dispute. The agent could not provide me with the payee information. 
XXXX : No bill received for XXXX. Received late Notice. Called Collections. Spoke to XXXX ( XXXX # XXXX ). No record of dispute! She viewed the charge. Payee listed as " XXXXXXXX XXXX XXXXXXXX ''. She filed a complaint on my behalf- transferred me to Fraud Dept . ( PHONE XXXX ). Spoke with XXXX ( XXXX # XXXX ) refiled dispute. Confirmation to be mailed within 10 days. Note : No confirmation rec 'd. Rec 'd letter approx. XXXX stating a new card would be issued. No dispute info. 
XX/XX/XXXX : rec 'd email, " still working on claim. '' XXXX Rec 'd Fraud investigation form. Faxed and mailed. 
XXXX : rec 'd letter from Synchrony Bank stating their records indicate that I may have expressed concerns on XX/XX/XXXX regarding account activity relating to purchases, etc. XXXX through XX/XX/XXXX : Made several calls to discuss inquiry. Calls always went to call center in XXXX. They could not provide any information, and they had no knowledge of this letter. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX. Stated claim was filed and investigation concluded, but no information available. Couldn't transfer me to Synchrony Customer Care. ( XXXX ) She stated she would contact them since I couldn't get through and request them to call me would call me. They did not call. 

XX/XX/XXXX Verified account balance and payment due now showing.. Called XXXX. Transferred to XXXX XXXX fraud investigations. Stated claim was denied. Letter sent on XX/XX/XXXX. I did not receive it. Checked USPS daily mail report via email. He said he would refile claim. I told him they were way past the deadline They need to reverse the charges. He refused. Said it was paid to XXXX XXXX XXXXXXXX. Could not provide any information such as name or address. 

XX/XX/XXXX Finally reach Synchrony customer service. They transferred me to Fraud XXXX. She transferred me to XXXX who said she was unable to assist me. She transferred me yo Investigation Manager. After being on the phone for 1 hour and 46 minutes, call got disconnected.

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 2022-09-16
Company: GOLDMAN SACHS BANK USA
State: MI
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:
I disputed a fraudulent charge for {$800.00} and was credited a balance credit on XX/XX/2022. There has been no update whatsoever, and they wont tell me whats going on. Goldman Sachs is the issuer and the card is the Apple Card. 

The disputed amount was used with the card numbers in the app. I filed a police report and Goldman Sachs has not responded to anything. This is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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:
I never gave Experian prior written consent to report any of these inquiries on my credit report. They violated my rights under 15 usc 1681b permissible purpose. I filed an FTC report about this and included that too.

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 2022-08-07
Company: Experian Information Solutions 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:
Account Name : XXXX  XXXX Account # : XXXX In accordance with the Fair Credit Report Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how it that possible if the Balance Updated is inaccurate & the Status Updated is inaccurate, they also violated my rights under : 15 U.S.C 1681 Section 602A. 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 an account without my written consent.

15 U.S. Code 1681 e ( b ) : Which states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-02-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-07-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX  {$1000.00} XXXX {$200.00}

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 explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: MN
Product: Credit reporting 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:
Hi, This account has been open since XXXX. The account was closed in XXXX. Collection activity was started, and XXXX bought this account as a charged off debt. This account was not closed and reported to the credit br in XXXX. It was opened in XXXX with a debt of XXXX which doesn't even match the 1, XXXX they are reporting. This accounts last activity was in XXXX. This account is more than 9 years old. The last purchase date was on XX/XX/XXXX. I just pulled off all of this information from XXXXXXXX XXXX portal with the order history, and description of items purchased. It needs to be removed from my account. The charge off and the XXXX XXXX XXXX  reporting. Please see the submitted documents. The account needs tin be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XXXX of 2020 credit collections issued a collection for {$2.00} on behalf of XXXX XXXX XXXX. I have reason to believe that this debt is fraudulent. I never conducted business with XXXX in 2020.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have had XXXX XXXX XXXX XXXX account XXXX. That's been reporting over 6 years now that I have 6 late payments dated back in 2018. This account was opened FRAUDULENTLY in my name. I discovered that a roommate deliberately opened this account in my name. Only to prevent me from getting approved for a VA home loan. I found out that I was declined at the last moment of closing. I then ended up in a VA shelter where I lived for a year until I got into my own apartment. 
I file the police report with Experian at that time and I even had a fraud alert times extended was added. 

This account should not be on my Experian credit profile. I ask that you please remove it immediately. So that I can get the VA approval for a home.

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 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
in accordance with the fair credit reporting act the names and addresses that i have described below violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681 Section 602 Amy right to privacy.,, these following names or alias and addresses are not known or old or no longer have any association with myself. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-04
Company: MoneyLion Inc.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Thursday XX/XX/XXXX, a variety of fraudulent charges were posted to my account. These included : two charges at XXXX ( which I was able to reverse by calling the store ) and four additional charges ( which I was not able to reverse ) that included XXXX XXXX XXXX XXXX for {$100.00} each and XXXX XXXX for {$310.00} each. Total amount of fraudulent charges equaled {$830.00}. Some of these charges were made when my account was supposedly " locked. '' I have an additional concern that the security and features this financial institution promotes are false. 

I immediately filed disputes ( my bank refused to reverse the charges ). These charges were made in the XXXX XXXX XXXX ( I reside in Oregon and can provide proof that I was in Oregon during the time of these charges ). My bank informed me I might be eligible for a provisional credit within 10 business days. I was then informed around the date of XX/XX/XXXX that I should receive a provision credit to my account by end of business ( at the latest per my bank ) XXXX XX/XX/XXXX. 

On XXXX XX/XX/XXXX ( after not receiving a provisional credit ) I was told by my bank that, " maybe I was misinformed '' but it looked like I didn't qualify ( they weren't sure ). I asked to receive documentation as to why I didn't qualify and they refused to provide any sort of explanation or documentation other than, " our investigation will be closed by XX/XX/XXXX and perhaps you'll get the funds then. '' My attempts to speak with a supervisor were not fulfilled. 

This is a lot of money that was fraudulently taken and now withheld. Communication with MoneyLion has been nothing short of nightmarish and I feel severely taken advantage of as a customer. How can this even be allowed to happen to a consumer? {$830.00} might not be a lot to some people, but as a person living pay check to pay check, this has made a severe impact on my ability to pay utilities and bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I can not accept the presence of public records on my credit report. It is causing significant XXXX and distress, and I implore you to remove them without delay.

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 2023-07-27
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
been tryn 2 update my in bank account info

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 2023-07-27
Company: AccessOne  Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was 6 days late on a {$60.00} payment due to scheduling errors with automatic draft. This automatically put me in a 15 % interest rate terms. The remedy my lateness, I made extra payments and set the auto draft date earlier. I was not told that I would start accruing 15 % interest after this payment. I have found documentation stating that a {$10.00} fee would be levied, but not finance charges ( attacehd below ). The company nor I can find any document saying that they told me that this would happen. I have since paid for this loan so as to not accrue interest while procedings continue. I would like to be reimbursed for this money they stole plus interest and late payment fees that would accrue according to their own contracts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-19
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX OF XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$710.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Experian Information Solutions Inc.
State: MI
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:
My credit reports are reflecting an inaccurate bankruptcy and that it will be reflecting on my report until XX/XX/XXXX. Beginning in XXXX of XXXX I began to contact Experian, XXXX and XXXX via certified mail disputing this information. I was informed by all XXXX companies in writing that this information was furnished to them by XXXX. I have even contacted each company by phone and told this information by representatives. When I contacted XXXX regarding this inaccurate information, they removed it from their database as it was found to not be correct and negatively impacting me. I have disputed this information on XXXX separate occasions with all XXXX bureaus through certified mail and on their websites only to be informed in writing that the bankruptcy is verified through XXXX and not being removed. I have even asked for them to take the time to contact XXXX on their own so that they can be advised that no bankruptcy is reflecting on my consumer file. I also took the liberty to contact XXXX again today on XX/XX/XXXX just to confirm yet again that they are not reporting a bankruptcy to these bureaus and was advised by XXXX ID # XXXX that again there is no bankruptcy on my consumer report and that they have not been contacted by either bureau to validate the information. This false reporting is damaging to my character and causing me to pay more in interest for accounts that I actually have. Also is preventing me from purchasing a home for myself and my family

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 2023-06-18
Company: Experian Information Solutions Inc.
State: MA
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.

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 explanation
Consumer complaint received 2023-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 third 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 alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX on XX/XX/2022 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