BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-20
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2023-07-13
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is unresolved issue with Wells Fargo Bank, My account was hacked for XXXX they did issue a temporary credit and come back 6 months later, with draw the money out of my checking account which of course caused it to be over drawn, As a customer for 11 year with them, I never had such unfair treatment this happened without be permission, i would like my funds back.

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 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing XXXX XXXX XXXX aka XXXX XXXX XXXX sinceXX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX of this year. I utilized XXXX and seen that I initially had ( 1 ) collection item listed from this company. I immediately took action disputing the validity of this account, asking for verification, and proof that they attempted to contact me prior. The company never provided any documentation and then proceeded to send me threatening letters stating that they would seek legal action. I received another correspondence stating that I personally spoke with them on the phone and spoke with their legal dept, I asked for proof of those conversations and I never received it. Prior to me disputing this account, I have never had any contact with XXXX XXXX and XXXX XXXX has never reached out to me. Most recently, I check my credit again and XXXX XXXX still has this debt on all 3 of my credit reports. I am beyond outraged that this company continues to violate my consumer rights and also damage my credit. I do not owe any debts to Midland or any outside vendors that they may have. To add insult to injury, They allege that they sent me letters, I never received any documents or notification for validation for that alleged account. XXXX XXXX has been the topic and center point for numerous class action lawsuits and settlements due to their illegal practices. This company is attempting to swindle monies from me and I will not actively participate in their activities. Every time that I dispute an account that is not mine, Midland begins to send me stressful threatening letters demanding payment or I will suffer legal action. Midland also present these letters in a manner as if they have been communicating with me on a regular basis. This is not the case and completely false representation on Midland 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: SYNCHRONY FINANCIAL
State: WA
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:
Related to case : XXXX Venmo/Synchony is lying and giving false information to CFPB. 

They billed me XXXX times for this charge, and only credited me twice. Therefore, they have billed me for something that was a fraudulent charge. 

I have called XXXX times to discuss this with Synchony/Venmo. They also DELETED all copies of the messages ( but I have proof since I screenshot them all ). I asked for them to tell me why this happened and it is always " escalated to corporate '' but it has been that way for years. I was rebilled this charge WITH NO INVESTIGATION DONE BY THEM which breaks their T+C. I legally demand a credit of this amount, and I also demand an answer WHY they decided to close my card once I demanded a proper response. CFPB, please read : they closed my account when I demanded to know why they rebilled me and deleted all prior messages. I have asked if I can sue or if I need to arbitrate, and they will not answer. This company is acting illegally, and they have been taking interest payments for invalid charges that they refused to investigate, have closed my account over when I try to find out why, and have harassed me since. CFPB is called the XXXX XXXX. I need protection.

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 2022-06-20
Company: Experian Information Solutions Inc.
State: AL
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 account number : XXXX, XXXX XXXX XXXX account number XXXX, has violated my rights. 15 U.S.C 1681 Section 602a and 602b. States that I have the right to privacy and accuracy within my credit report. 

15 U.S.C 1681 section 604a section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 

on XXXX XXXX I sent letters to XXXX XXXX XXXX and Experian about inaccurate information that was in my credit report and as of today Monday XXXX XXXX the inaccurate information is still present 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 explanation
Consumer complaint received 2022-04-20
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Sometime in 2021, my Chase credit card account was merged with that of my father without my or his permission ( I am XXXX XXXX XXXX ). As a result, I could no longer access my account online, which made using the card a problem. As such, I cancelled the card in the summer of 2021. My father cancelled his Chase cards shortly thereafter. 

In XXXX of 2021 I received notification from my father that Chase had emailed him regarding a Chase card that did not match any of his credit cards. As it turns out, this was my card. Around the same time I started receiving phone calls from collection agencies regarding the card. 

I attempted to contact Chase multiple times, and each time was told some version of " you need to speak with an account supervisor. '' However, every time I was transferred to a supervisor, the call was disconnected. This happened on multiple occasions over multiple days. 

When I finally reached Chase, it became apparent that there were several fraudulent charges on the card that Chase said they would investigate. There was also a recurring charge that had been applied to the card despite it having been cancelled. Chase claimed to have no record of the card being cancelled. 

I agreed to wait until the fraud investigation had been completed before paying the balance on the card. At this time I went over my contact information ( including mailing address, email address and phone number ) with Chase and repeatedly informed them that my father had nothing to do with this account. They assured me that I would be contacted. 

In XXXX of this year, my father received an email confirming that the investigation was complete and stating our new balance on the card. Thankfully, he forwarded that to me. I spoke to representatives from Chase who assured me that they would mail me our current credit card statement so that we could pay the balance. We do not have access to the online account as it has been closed and was merged with my fathers account in 2021. 

This week my father received another email stating that the card was past due, which included additional late fees. We have received no communication from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2019, at XXXX XXXX  EST, I received an unsolicited email purportedly from Synchrony Bank. The subject line was " A Trial Deposit Has Been Successfully Made to Your. The text of the email is blank except for a " Note '' that the email was sent by " Synchrony Bank, the issuer of your Account '' and that I " may receive serving emails even if [ I ] have requested not to receive marketing offers by email for [ my ] Account. '' The Note says that Synchrony is located at XXXX XXXX XXXX, XXXX XXXX, XXXX Utah XXXX. The email says that the originating email account is unmonitored so that I should not reply, and includes an identity theft warning with a link to the FTC website. 

I have never heard of Synchrony Bank and have not opened an account with them. Therefore, I am concerned that the bank or someone else has fraudulently opened an account in my name. 

I tried calling Synchrony Bank on various numbers listed on their website. Two numbers resulted in error messages. A third resulted in me being placed on hold for 10+ minutes. 

At XXXX XXXX  EST on XX/XX/XXXX, I received a second email from Synchrony with no text and the subject line " Action required on your application. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX with the Chase executive team confirmed XXXX claim # XXXX was denied by Chase based on an internal review by Chase claims. The reason that was providedis that the paymentwas completed via XXXX XXXX  and all other XXXX XXXX transactions for that date were not denied. This decision was made by XXXX, a claimsmanager. We have made several requests for proof that the transaction was authorized by the account holder but have been told that whatever information that was provided by the merchant is internal only. The refusal to provide proof of authorization is a violation of the Fair Credit Billing Act.It is in fact also noted in the third bullet point of your claim letter to contact Chase to request the information used for research. However, no documentation that proves authorization has been provided to us as the accountholders. 
Further, per XXXX and XXXX it has been raised that not all transactions on the same day of this claim were disputed and isthe reason for denial. We have already been in contact with XXXX to request a transaction of all XXXXXXXX XXXX purchases and per XXXX there are not any recorded. We can not find any record as there is not a transaction history available for us to review. This is the reason we contacted XXXX who has no history of XXXX XXXX transactions to provide us with. 
I have spoken to XXXX different departments today asking for all XXXXXXXX XXXX transactions specifically for the dates of XX/XX/22, XX/XX/22 and XXXX. This is a request for all XXXX transactions between the dates of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting, Dept. of EduXXXX XXXX  account # XXXX has violated my rights Everything has to be 100 % accurate on my report. 

The credit bureaus stated my account was properly investigated but how is this possible while they are still reporting 90days late then 120 days, then 120 days again and not even 30 days or 60days late how is these accurate. This is ground for removal.

15 u.s.c 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

15 u.s.c 1681 section 602 A. i have the rights to privacy.

15 u.s.c 1681 section 604 A section 2.it states that a consumer reporting agency can not furnish an 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
Consumer complaint received 2017-06-20
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I had a fraud alert placed on my credit file that indicates anyone who runs my credit should call me for verification and this was not done and it violates my rights as a consumer. I have reached out to the credit bureaus on mor e than one occasion  to advise of my credit being pulled without my permission and received no resolve. I have also attempted to dispute these unauthorized inquiries multiple times to no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit 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 has filed to dispute many times, but they ( Bank of America ) did not care ti investigate fraud and weird. 
I bought item XXXX in XXXX XXXX by XXXX CARD, it charged and weird happened on receipt was MASTER CARD. It amounted {$56.00} by chip. 
I had returned in XXXX XXXX. My credit return, it wasn't post in statement in XXXX XXXX. It returned on receipt, it was XXXX XXXX by scanning on receipt. 
I didn't come to use my credit card at XXXX in XXXX XXXX and it charged and weird happened, it was {$56.00}. It posted in XXXX XXXX. 
Why did happen VISA CARD charge and CHIP and post it become MASTER CARD charge receipt! 
It was fraud and weird happened from Bank of America credit card.

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 monetary relief
Consumer complaint received 2022-10-16
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: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was stolen in XXXX, since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a police report pertaining to the incident. In accordance with the fair credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries i have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-10-23
Company: EQUIFAX, INC.
State: IN
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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I received a fraud alert in which in turn I called the number on the back of my banking card and spoke with a representative. The representative did not lock my account, or do anything to quickly block the activity going on in my account. While we were on the phone discussing what was happening on my account and if I had lost my card or authorized anyone to use it etc before we knew it my savings was gone and all my money was transfer to an external XXXX XXXX XXXXXXXX fraudulent account. After the representative assured me they will deal with the situation by opening a investigation I did not feel comfortable so I hung up and called again and asked to talk to a manager. After talking to several people who told me that the first representative did not do their job correctly by immediately locking my account so there would be no access, they told me that they would do an investigation. In the meantime they gave me a temporary credit of the {$900.00} that was stolen from me. I continue to call to see how the investigation was going to see if there was information I needed to turn into the police about this person who stole my money and they assured me they were handling everything. I had some employees telling me to close that checking and savings account that was compromised and open new ones and then I would talk to somebody else and they would say no close the new ones, so I open and close several accounts because that's what the employees were telling me to do. There's no consistency when you talk to an employee.Eventually I got a letter saying that after the investigation they decided that I knew the person and I authorized them to take my money which is absolutely not accurate and they took back my credit which left my account in a negative of the {$900.00} that was stolen from me. I have asked for documents to prove why they came to this conclusion and they just sent me one little page that said that they decided I knew the person and authorized the transfer. In the meantime I've been calling a couple times every week trying to get through to talk to somebody, to have them listen to the recordings and to provide me more evidence with the recordings to prove that I did not know that person or authorized them to take my money. But employees keep transferring me and I never actually get to talk to anybody about my fraud. It's been past frustrating trying to resolve this with them, if I can not even talk to somebody to get more information. Capital One has been a complete nightmare, unprofessional and have not done anything to protect my identity. I've had to do a freeze on all my accounts & my social security number. I keep all my accounts lock for my protection. I've had to invest in XXXX to make sure there's no more fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-20
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:
A number of negatives have not been addressed because they fail to open any new disputes! 
Other reason Looks like you've already filed a dispute for this item Under Section XXXX ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act we won't process a duplicate dispute unless you provide new, relevant information. XXXX If you do have additional information, you can You can also contact us at ( XXXX ) XXXX or contact your data furnisher for more info on how to move forward. The facts are this item is on for years and they never addressed my input but would rather accept the incorrect information of the lender. Why is my credibility in question?

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