BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-15
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Opened account with PayPal Credit in XX/XX/XXXX web checked my account and it disappeared XX/XX/XXXX with account in good standing and no missed payments. I called the company twice and got the same answer, " the system identified your account as part of a bankruptcy and has been charged off to collection '' I asked to escalate my compliant to resolve any issue and they denied any such action. Their has been no bankruptcy attached by me or any bankruptcy in the year this account was opened. There were no notices via web, mail or phone.

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 2023-06-14
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX investigated a complaint I initiated with XXXX XXXX reporting a charge off on my credit report. There has been 7 years from the date of the first missed payments based on XXXX XXXX investigation. 
XXXX XXXX loan XXXX ( 1 ) last payment received was XX/XX/XXXX for {$9900.00} with a high balance of {$6000.00} XXXX XXXX XXXX XXXX ( 2 ) last payment received {$10000.00} on XX/XX/XXXX High balance of {$7000.00}. XXXX XXXX loan XXXX ( 3 ) last payment was XX/XX/XXXX {$9600.00} High balance of {$7000.00}. they all have purchased by another lender - Paid in full /was a charge off. Est month and year these item will be removed XX/XX/XXXX. Seven years from the Date of the first missed payment for all three loans was XX/XX/XXXX. The investigation shows payments weremade, however this contradicts XXXX XXXX statement of XX/XX/XXXX. 

Request the XXXX XXXX loans be removed immediately from XXXX XXXX XXXX Eqifax credit reports based on incorrect reporting information, or 7 years from the date of the first missed payments. Estimated date XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-30
Company: ERC
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:
Despite my ongoing efforts for months on end all three credit companies along with the XXXX XXXX XXXX report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have attempted to get the situation corrected for over a year. Over. A. Year. This will be THE LAST attempt to give Capital One the chance to remove this erroneous account from my credit file, as I am tired of them playing this game with them. I have already secured legal counsel and will using their willingness to continue reporting incorrect and fraudulent information on my credit report as an admission of guilt. They have yet to provide proof in the form of a copy of the original credit application. A STATEMENT IS NOT PROOF!! It is merely record of someone with a name similar to mine, living at an address that I have never lived at, having an account with them. It's no secret as to why they have refused to provide LEGITIMENT PROOF in the form of the credit application because they know it will substantiate my point. I have never ( and will NEVER at this point ) do any business with Capital One or any of their affiliates. I contacted Capital One multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. I have even contacted their CEO and never received a response. The date of birth and address that they are reporting are not mine, yet they have refused to remove this account stating based on their records, it is my account. They continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any. I contacted the number listed on the letter they provided to the CFPB as their " response '' and was not able to be assisted AT ALL by their reps. I continued to get the same run around and non-answers as I have been getting for the past year. I spoke to a XXXX on XX/XX/XXXX at XXXX XXXX  at the number provided in the letter and explained why I was calling. She was clueless as to what the CFPB was and stated that the case numbers listed in the letter XXXX both Capital One and CFPB ) she was unable to look up. She then asked for my social and date of birth and stated that my date of birth was " not being accepted by the system. '' So ... ... ... .my question is again, HOW DO YOU SAY YOU HAVE VERIFIED AN ACCOUNT TO BELONG TO ME IF YOU DON'T EVEN HAVE MY CORRECT DATE OF BIRTH OR SSN???!!!! I was then transferred to the fraud department and spoke to XXXX ( Associate ID XXXX ) who also was clueless as to assisting me with following up on the letter that was sent from Capital One. No one that I spoke to was able to even pull up an account with my social or date of birth, so how are they " verifying '' this as an accurate account with the credit bureaus??

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX consumer credit card by XXXX XXXX  XXXX XXXX Synchrony Bank consumer credit card Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 monetary relief
Consumer complaint received 2021-06-29
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I called Equifax to have them unfreeze my credit. I had done this two months ago without problem and thought it would be a quick call. On the first call I had gotten through verifying my identity and was about to have a confirmation code with the cs rep let me know there was an internal server error. She told me to call back in 24-48 hours and they would be able to complete my request. I called back XX/XX/XXXX and was told I needed to go through the same process. At the end of the call I was told the same internal service error was continuing. I asked to speak to a supervisor and was argued with by representative, finally put on hold and 20 minutes later hung up on. This has repeated on a daily basis as I am trying to move and can not do anything with frozen credit. This has been far and away the worst customer service I've experienced from a national brand - let alone one handling my credit. I would like to have this problem resolved or at the very least be communicated with as to why it is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NY
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 am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. 

Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. 

I insist that you immediately dispute these accounts and provide me with clear, documented evidence to support your position. Failure to do so will leave me with no choice but to seek a legal remedy to protect my rights and rectify this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Trans Uniion has refused to remove a bogus address, possibly related to ID theft.

I have disputed this multiple times I have never been to New York I don't want to go to New York THIS IS NOT NOR HAS IT EVER BEEN MY ADDRESS, EVER!

Address XXXX XXXX XXXX XXXX, NY XXXX I SUSPECT ID 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 2023-01-22
Company: Experian Information Solutions Inc.
State: GA
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:
These negative accounts and unauthorized inquiries are inaccurate and wrong. 

REMOVE ALL THE LATE PAYMENTS REMARKS FOR OPEN ACCOUNTS AND DELETE ALL THE CLOSED ACCOUNTS INCLUDING THE INQUIRIES. INVESTIGATE WITH LAWFUL ACCURACY. 

XXXX XXXX XXXX - {$0.00} - XXXX XXXX XXXX XXXX XXXX - OPEN - XXXX XXXXXXXX XXXX XXXX XXXX OPEN - all 3 XXXX XXXXXXXX - OPEN - all 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 explanation
Consumer complaint received 2023-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX and XXXX, my business received XXXX XXXX XXXX deposited into my checking account that capital one initially sent me a letter stating was closed. The funds was subtracted the negative balance on the account and when i contacted capital one i was informed they were entitled to take the balance owed and the remaining funds were sent back to XXXX XXXX because capital one investigated and determined my business was not a business although i am registered with state. I filed a compaint here with the cfpb and was told the funds were returned. I have been contacting the sba customer service weekly waiting for them to recieve funds. I recently contacted the XXXXXXXX XXXX XXXX  in new york and was informed to contact capital one again because they STILL have not got the return checks. Which leads me to again believe what i stated last year someone in capital one is stealing from my business. This is my last attempt to make sense before litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Rocket Mortgage, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
When we had a closing dated last XX/XX/2018, i have knowledge that my taxes from XX/XX/XXXX to XX/XX/XXXX ( last quarter of the year ) was paid and included in the closing cost. But i received noticed and billed from XXXX City Treasurer that {$570.00} taxes was due on XX/XX/2018. I immediately called Rocket Mortgage to asked what is going on and contacted escrow company ( XXXX XXXX ) why it was not paid yet but i have not received any respond. I paid my taxes 3 days before i got the penalty. But now, Rocket mortgage still not doing anything to deduct taxes from my monthly mortgage and they still included the escrow amount on my Principal and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-04
Company: Specialized Loan Servicing Holdings LLC
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 information incorrect

Complaint:
Specialized Loan Servicing, we were told on XXXX that we could payoff our Mortgage via phone in the amount of {$830.00} by XXXX. He informed us that since it was under {$1000.00} we could do the transaction over phone. Confirmation # XXXX. 
On XXXX we received a call from XXXX to inform us that they made a mistake and paid our XXXX taxes. For the next 7 months we contacted company over and over to rectify the error and they kept asking for more money than we owed. Interest & late fees. 
On XXXX we sent a letter to Dispute Department and copied CFO, CEO, COO, CRO, CIO, PRESIDENT AND CLO. Response received saying they did not make mistake.

They have posted 6 late payments on our credit reports.

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 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
To whom it may concern, I was looking my credit score on XX/XX/XXXX and noticed a few things were inaccurate and never authorized by me. The following hard inquires I never gave anyone authorization to run my credit. It is to my understanding to the car dealership did it without my approval or knowledge. All I know is I have no knowledge of the following and want it removed from my report. I am asking for the following items to be removed off my credit report on XXXX and any other credit reporting agency company showing this fraudulent/not accurate information which includes the following XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. I will also attach a picture showing what is coming up on my credit report so you guys see it 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 2019-06-23
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I need to file a complaint on behalf of discover card I received a pre approve credit noticed in mail so I applied for the card and got denied. the advertise information stated that I was approved I reached out to discover reconsideration line this morning to find out why the rep was so rude and nasty Saying whatever this whatever that this is a very unprofessional bank and the way you conduct business. I'm not the least bit concerned about getting an account with discover if the services is going to be this way. But however since discover sent in fraudulent noticed I asked that you delete that inquiry from my credit report. I'm not talking about the soft pull I'm talking about the hard pull please delete ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I received a letter in the mail one day from Cash Net USA advising me that a loan was approved in my name. I was confused by this because I did not apply for a loan with Cash Net USA. So, I called them and I was informed there was a loan on file with them with my information attached to it. I told them I did not make this loan application and they need to close this as fraud. They claim they did an investigation and they are holding me responsible. I asked them for the paperwork regarding this loan and they only sent me the loan agreement. There was an E-signature on the paper work to approve this. I did not E-sign anything for this company to be able to approve a loan. I fought with Cash Net several times to close and they refuse. So then I reached out to XXXX to get help with this and they requested another dispute on my behalf, and Cash Net denied that request also. Now I am at the step of sending legal documents to them to request all paperwork regarding this loan. Did Cash Net ask for copies of this person 's social security card, or drivers license? If they did I want to see copies of that to see if my face and signature is on that fake ID. If they have a social security card with my number on it and someone else 's name or signature on that card I want to see it. Did they ask for any copies of paystubs to proof employment of this fraudster? If so then I want to see it. If they did not verify anything with the thief before approving this loan then I want them investigated for unfair lending practices. This loan was approved and funded to the thief in XXXX of XXXX, it is now XX/XX/XXXX, this is unacceptable behavior to resolve something that is fraudulent. After this is submitted and another review is done, if they still hold me responsible then I want proof sent to me as to why they think that. What proof do they have that leads back to me, I need to see all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-23
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Got email from EQUIFAX. went online to review it ( XX/XX/2019 ), put all my information in, again as usual Equifax online system doesnt work. I called their # XXXX, again after answering full name ss # address mortgage amount and bank, previous car loan bank name, my credit card company and other questions, still denied dispute results cause it " was not me '' told them mail results then I gave you my address and I have given you state drivers license. It's still not me, FCRA VIOLATION? I even told them what company dispute was about ( only l would know that ) yet it's not me. I'm so fed up with bureaus employees ( bad speaking English ones ) dont know the laws. So lm denied dispute results, it's a joke and Equifax needs to fix their online portal..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I was not informed of a {$220.00} debt to XXXX at all until XX/XX/XXXX, when their agent Sunrise Credit Services reached out to me with an attempt to collect upon the debt. This poses a massive harm to my credit score and XXXX and Sunrise need to be reprimanded for not informing me of this and taking adverse action against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation