BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: SYNCHRONY FINANCIAL
State: NJ
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:
In XXXX of XXXX I was getting a free online credit check from XXXX XXXX. This was a free service given to me by XXXX XXXX. When i received the check it stated that I had a Synchrony/Amazon Credit card with an outstanding balance of XXXX. I contacted Synchrony Bank/Amazon and through several phone calls they told me that the account was opened via email in XXXX of XXXX. I told them I had no memory of doing so, and afterwards was positive I didn't open the account. They stated that the account was opened XXXX eve... I then checked my email and realized that my email received notifications that an account was open and that at several times in XXXX there were tardy payments and that payments were made to this card. The card was not used ( I believe until XXXX and XXXX of XXXX. The credit card utilized an email ( Yahoo.com ) that was used infrequently, and received many bogus spam notifications. My main email is a gmail.com account. I learned when I contacted Synchrony to tell them of the fraudulent card they used my cellphone number and address to start sending me late notice notifications and harassing phone calls. I have three Bank accounts with credit notifications and since I notified Synchrony bank they have had all the banks drop my credit ratings. 
Up to this time I didn't know it was possible to open an account via email. I have an Amazon/XXXX  account in which I have had for several years. It is apparent whomever opened up the Synchrony/Amazon account opened up a different account with this credit card. 
I also opened up a Police Investigation with my local police department. It has been understandably slow with them, I feel this is not a priority with them. 
Several attempts have been made by myself to request where the items were sent to, how Synchrony bank received the payments but they are refusing to release that information. 
I also opened a XXXX Investigation and they advised Synchrony bank was to vacate the erroneous information but they haven't.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am trying to buy a house and it is defamation to my character and livelihood.

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 2023-07-05
Company: Experian Information Solutions Inc.
State: MA
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:
Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-07
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
To Whom It May Concern, I set up an account with Coinbase either at the end of XXXX or the beginning of XXXX. At the time, I was working/living in XXXX playing professional hockey. I used my XXXX ID to set up the account and everything was all good. Then, I retired from playing hockey and came back to the U.S. I basically forgot about the account until just recently, but now, I can no longer access my account due to two reasons. First, the XXXX app that I used to access the account was on my old phone and no longer works when trying to log into my account. Second, when I try to recover my account, I can not because my current ID is from the U.S. The automated process that verifies someone's identity recognizes that I am who I say, but the ID is not from the country where the account was set up. 

So, on XX/XX/XXXX, I opened up a customer service inquiry with the website and got several automated responses, but nothing from a live human. There has been some back-and-forth and finally they said they were reviewing my case after I sent them some additional information. They said it would take 48-72 hours on XX/XX/XXXX and I haven't heard anything since. I have opened two other cases to resolve the issue and I would get one or several automated responses and then they just ghost me after that. 

I don't have a ton of money in the account, but I would like the ability to be able to access my money that I put into the account years ago. I do find it hilarious that this company is going public soon and at a $ XXXX valuation. They don't even have a telephone number where customers can talk to an actual human being. I have been going through their email process for weeks at this point and I am getting nowhere. 

Thank you very much for your time. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-05
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$6600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-03-07
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Went to XXXX for XXXX XXXXXXXX in the institution had all the paperwork in XXXX. I told him I do not read XXXX and I let them know I want to cancel the procedure. I put down {$1000.00} deposit I did do labs that day and I agreed to pay {$250.00} for the labs and navy federal refund of me {$750.00} Now the institution is saying I owe them {$750.00} and navy federal wants to take it out of my account, Without any proof they didnt ask me for any proof they just taking it out of my account. I recently found out that this institution is known for fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-17
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:
You are receiving this letter because I over looked my Consumer Report and you are furnishing a few accounts that I dont recognize and/or believe are inaccurate. I assume that you have verified the accuracies of the accounts/items that prior to you furnishing the items on my Consumer Reports. I will need to provide me proof of the documents that you have verified the accuracy of all of the accounts I disputed. 

Pursuant FCRA, 15 USC 1681g, my right to demand that you disclose to me any and all of the documents that have been recorded and retained in all of your files at the time of my request concerning the accounts that you are furnishing on my Consumer Reports. 

I submitted these letters on XX/XX/2021 and I have not received a letter back from them and its been over a 30 day period.

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 2022-03-01
Company: American Collections Enterprise, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or before XX/XX/XXXX, I contacted the original creditor and paid the medical debt I have with them directly. They told me that day, and they have confirmed multiple times since then, that they ( XXXX XXXX XXXX ) notified the debt collector ( ACEI ) on XX/XX/XXXX of the resolution of the outstanding medical debts with them. I called to confirm this with ACEI the first week of XXXX and was told it would take awhile to process the updates of resolution of the medical debts from the original creditor and that I should submit a request in writing via email. They gave me the email address and I did this, requesting an itemized list of the remaining medical bills be sent to my account. I received a packet from XXXX dated XX/XX/XXXX. This packet does not comply with the 'tear off " verification notice with the new CFPB rule that requires a tear off giving consumers notice of how to dispute the debt. Moreover, this packet contains falsehoods. There are bills in this packet ( dated XX/XX/XXXX ) that the original creditor has confirmed have been paid. I also have made multiple attempts to request in writing updated information about verification of any debt that XXXX claims I still owe them and which bills have been resolved.

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 2021-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Today, Wednesday XX/XX/XXXX, I went around XXXX to my bank trying to take out money from my bank account from the XXXX. The account said that there was only {$500.00} dollars and that it was unable to give them to me due to lack of money since someone had previously taken out {$1000.00} before. I have not taken out money from my account previously. I already filed a report to the Bank of America, having to make four calls in the process. All together, i was on the phone for an hour and a half. The person attending me from the bank cancelled my XXXX account, telling me that in around 10 days I will recive a new card alongside some papers to file a report. They also told me that once I file the report I will have to wait 90 days for an answer on my situation. Not guarenting my money bsck. I am currently unemployed and rely on the money. I am in need for a way to speed up the process. In the past, you have been very helpful when they stole {$2000.00} from me and the bank refused to pay me, I am very grateful for that. The bank has not refused to pay me, but they will be taking 90 days to answer me. Unfortunatly the banks security measures are not enough since this is the second time I have been rebbed with my card and personal information. Which i am sorry for since i see myself being affected economicly. Thank you for hearing me out.

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 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As a consumer/ natural person/ living man, I am enforcing my rights. 
TRANSUNION is in clear violation of the law of 15 USC 1681b ( 2 ) - Permissible purpose of consumer reports. I did not give TRANSUNION written permission or consent to furnish any accounts on my consumer report.

Furthermore, TRANSUNION is in violation of 15 USC 1681e - Compliance procedures. According to this law, TRANSUNION must produce the permissible purpose, they must also certify it and send me disclosures.

And further, TRANSUNION is in violation of the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states that transactions and experiences are not to be included in a consumer report.

And further, TRANSUNION is invading my right to privacy and isnt adhering to 15 USC 1681 ( a ) ( 3 ) & ( 4 ). They are not exercising their responsibilities with fairness, impartiality and privacy.

And further, TRANSUNION is in violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. TRANSUNION is obligated to respect my privacy and to protect my security and confidentiality of my nonpublic personal information. They have not done that.

The following is the account name and numbers that are illegally being shown/reported on my consumer report : XXXX Account number XXXX Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified items without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX EXPERIAN XXXX XXXX  XX/XX/XXXX EXPERIAN XXXX XXXX  XX/XX/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 2023-11-18
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My checking and savings account with citi bank was randomly closed for fraud supposedly. I called and called all day until I received a number to call only to be told call back I'm 24 to 48hrs. I don't have access to my money and my account which I use to pay bills and get paid as well.

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 2023-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These were a corporate accounts and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX, XXXX and Transunion Credit bureaus are willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove these fraudulent accounts immediately. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: EQUIFAX, 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:
This is my second attempt to file a CFPB complaint and to inform you about the neglegence of the three Credit Bureaus. With this, I allege that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with the accurate and be delete the fraud items in my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-23
Company: Phoenix Financial Services LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have no knowledge of this collection account Phoenix Financial Service and would like to have it removed from my credit report.

Company response to consumer: Closed with explanation