BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-02
Company: SYNCHRONY FINANCIAL
State: IN
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: Problem with personal statement of dispute

Complaint:
On XX/XX/XXXX, I applied to XXXX for an upcoming dental appointment, and they approved a credit line of {$2500.00}, the amount I requested. There is an account number I can provide if necessary. I had the XXXX appointment on XX/XX/XXXX. The dental office gave me a paper with a QR scan code with Care Credit. The offer was up to 24 months without a finance charge. I wanted to take advantage of this offer. Plus, I learned the cost had increased, and I now needed XXXX instead of the XXXX I initially asked for when I applied on the XXXX website. I called the customer service number listed for Care Credit on XX/XX/XXXX and spoke to a gentleman. I explained I had put the " cart before the horse '' by applying the day before. I needed a higher credit limit and wanted the no-finance charge offer. I asked if I could stop the pre-approved account and re-apply with the QR code from my dental appointment. I specifically asked if it would create an issue, and he said it wouldn't cause a problem ; he would cancel the pre-approved account, and I could re-apply immediately. Well, I've been re-applying ever since and keep getting denied. The reason on the denial letter states, " Your request was denied for the following reason ( s ) : Previous application approved. '' I've called multiple times and need help finding someone at Care Credit or Synchrony Bank, the finance company for Care Credit. The most recent phone call told me I was " given the incorrect information '' when I called on XX/XX/XXXX. The problem is, I need my orthodontics. Care Credit/Synchrony Bank is reporting I have a credit account, but when I call them, they can not find an account, and I do not have access to the credit. How can they report me as an open account without giving me access to the funds?

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 2021-12-28
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
Noticed fraudulent attempts to open accounts at banks and credit unions which appeared on ChexSytems credit report. Contacted CFPB, after unsuccessfully trying to reach ChexSystems, and they corrected some of the illegal attempts with information I submitted. The letter I received from ChexSystems regarding the changes that they made, failed to fix 5 ( eliminate ) other " Hard Inquiries '', some which were at the same banks/credit unions from the previous activity, but with later dates. The same WRONG driver 's license numbers were attached and the phone numbers were incorrect. The SS numbers were correct and the address was correct, except for the Inquiry from XXXX XXXX XXXX XXXX. I called the consumer affairs number for ChexSystems today ( XX/XX/XXXX ) after receiving the letter from them today dated XX/XX/XXXX and was unable to speak to anyone -- -there was only the automated system. It is quite clear that the same fraudulent attempts ( Hard Inquiries ) are still on my account which, if anyone in their fraud department reviewed, should have been taken off. In addition, there is one Soft Inquiry that is fraudulent. It seems to me that ChexSystems is not acting in good faith.

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 2023-05-17
Company: Experian Information Solutions Inc.
State: CA
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 submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$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 explanation
Consumer complaint received 2017-05-16
Company: Credit Karma, LLC
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:
There are credit inquiries on my report which was not authorized by me. I have contacted  XXXX  Customer Care in order to delete these unauthorized credit inquiries which is affecting my  credit score, but they denied to do so. I hope you will be able to help me get the Unauthorized credit inqu iries removed from my credit report.     Following are the credit inquiries affecting m y credit score on   XXXX  :  XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  XXXX   XXXX  on  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 2018-10-17
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. ( XXXX XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on XXXX about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX  ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 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 knowns or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: WELLS FARGO & COMPANY
State: IA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
XXXX did not properly process disputes I had on my credit card ( this is going on a year now ). I am pretty sure why, because they knew they were being sold to Wells Fargo. Now Wells Fargo refuses to even talk to me. I had two people supposedly in the XXXX XXXX named XXXX and XXXX XXXX. I have left them both numerous messages over the last XXXX weeks. I have gotten only XXXX responses from XXXX XXXX and when we talked she did not even realize the extent of the complaint and was investigating something altogether different ) and then I spoke with her XXXX, XXXX XXXX, and XXXX called me once, gave me her email, I emailed her numerous times with all the details and now XXXX will not email me back. I leave at least a message per week for her to call me. And while she appolgized to no end that XXXX did not call me back and told me that is not how they do things at Wells Fargo, XXXX won't call me back either.

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 2023-01-27
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

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 response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2021, I was contacted by someone on XXXX XXXX looking to buy an item I had listed. I generally use cash for these transactions, but the person asked for my Venmo username, and without thinking, I provided it. A few minutes later, they messaged me that they had accidentally sent me {$2000.00}, which was their rent money. They sent me many frantic messages begging for it back. I was skeptical, and took some time to research whether this might be a scam or not. The clearest advice I found came from Venmo 's help pages, which told me that if a stranger sends you money accidentally, and you see it in your Venmo balance ( which I did ), then it is safe to send back, and that is what they advise you to do. When I later spoke with a number of Customer Service representatives on the Venmo 's fraud line, they advised the same. I saw that my Venmo balance contained the extra {$2000.00}, so I accepted the request for a refund. After sending the money, the person stopped responding to messages and deleted their XXXX account. 
Almost immediately, I realized I had probably done the wrong thing and contacted Venmo again, and asked them to reverse my refund payment. They said I had done the correct thing and it was likely not a scam and they would not reverse my payment. 
On XXXX XXXX, I noticed that my Venmo account now had a negative balance, and that there had been a chargeback filed by the sender. From my online research, I assume their card was stolen by a scammer when the payment was made to me, and when I issued the refund, the scammer sent it to his own bank account. I submitted these details to Venmo, who argued on my behalf with the credit card company, but the credit card company found in the sender 's favor. I am now ( as of XXXX XXXX ) told by Venmo that I owe them over {$1500.00} ( they have already seized approximately {$500.00} that was in my balance at that point ). They have said there is nothing else they can do. I am frustrated and confused that there are no protections of the Venmo Balance, given that some protections would be offered by my bank account or credit card. Because the money was sent to me first, it was withdrawn from my Venmo Balance, instead of a source that might offer me better protections. I am even more outraged that Venmo ( on both its published help pages and Customer Service lines ) offers incorrect guidance, which only results in costs for users, but Venmo takes no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sirs, My name is XXXX XXXX and I address you with regard to the XXXX  payment transaction that has been made by me on the basis of Loan Agreement on XX/XX/2022 from my account at XXXX XXXX XXXX to mainland XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and is currently on hold by Bank of America N.A. New York XXXX ( XXXX ). Remittance department of XXXX via my XXXX of XXXX asked me several questions sent by the specialists of Bank of America which I have answered. It happened XXXX times, gentlemen were satisfied with my answers and new questions were not asked since then at all. I have provided all required documents. I have tried to get in touch with the BOFA 's branch in NY by phone, but I was told that I was not the client of the Bank and nobody had an intention to talk to me. XXXX XXXX XXXX XXXXXXXX has sent XXXX ( XXXX! ) inquiries after XX/XX/XXXX asking where are the funds ( USD XXXX ) and what is the reason of such an attitude, but there is no answer from BOFA. 
My XXXX XXXX has sent me reference number which they use communicating with BOFA : XXXX Please kindly check the current status of the transaction and the reason of its postponement. 

Thank you very much! 

XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX e-mail : 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 explanation
Consumer complaint received 2021-07-27
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:
Equifax has violated the Fair Credit Reporting Act. They have not responded in a timely manner with any results within 30 day to 45 day time frame. Involving my letters with erroneous credit accounts, and that i do not recognize. I have sent them letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Hey I spoke with customer service at transunion and XXXX they wouldn't take care of the negative inquiries reporting 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 explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts 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 accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} ; 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 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 2021-12-20
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX i received my receipt for paying off my debt from IQ Data systems. Since then i have repeatedly been harassed by the companies employees. They continue to contact me without investigating on their side where my money went, I have asked every single person that has called me to please get with their management to help them find the payment and all they do is continue to call me and harass me via phone with an entire new person on the line and all the employees claim that I end the call but they are the ones ending the call because i refuse to pay them a debt that has already been paid. 

This has been going on since XXXX and to be completely honest prior to paying the debt the employees yelled and talked in a very aggressive manner when i asked them for more time to pay. 

I would like to please have them stop calling me and harassing me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: CA
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:
The following accounts are not mine and do not belong to me. I am a victim of identity fraud which is preventing me from purchasing a home due to the fraudulent items reported on my credit report. I have attached my FTC report for your review. Failure to not comply will result in a lawsuit. the law prohibits you from reporting fraudulent information to my credit report I demand immediate deletion and blockage from any future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them. 

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX 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

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