BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-22
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There is a fraudulent {$39.00} charge for a credit card ending in XXXX even though I have not even received this card in the mail yet ( this transaction is dated XX/XX/19 and is copied below ). XXXX was a replacement card for the card ending in XXXX because there was a fraudulent charge billed to that card as well ( the original fraudulent charge was billed to card ending in XXXX on XX/XX/19 and is also copied below ) : XX/XX/2019 Merchant Details XXXX XXXX XXXX, Florida {$39.00} XX/XX/2019 Merchant Details XXXX {$39.00} I have never heard of, communicated with or dealt with either of the two merchants referenced above. When I called Citibank all I got was a replacement card that I was told is being mailed to me. To the best of my knowledge, the bank has not investigated either of the fraudulent transactions listed above.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony Bank ( managing PayPal credit card ) has placed a fraudulent charge in my PayPal credit card. 
Have have been constantly harassing with phone calls asking to pay something I bought using my PayPal money that is in my PayPal account. 
They call me from the phone # XXXX XXXX XXXX demanding payment. 
I have spoke to them back in XXXX and XXXX XXXX and also this past XX/XX/21. 
When I requested to speak to a manager and confronted him about the fraudulent charges, he came up with the excuse that back in XX/XX/21, I had made some purchases from a XXXX online store named XXXX and the PayPal money account had requested their help. 
I told this manager that the credit card is not involved in any form or way in the mentioned purchase. I explained to him again that I paid with my PayPal money and that the purchase was returned to XXXX in XX/XX/21 because they falsely advertised the merchandise and sent me something I could not use. 
I asked this man to close the credit card PayPal account ( which I never asked for ). 
I want these crooks to stop bothering me and to remove any notice that may have added to 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 monetary relief
Consumer complaint received 2023-06-27
Company: FIRST NATIONAL BANK OF OMAHA
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Applied for XXXX visa to save XXXX cents a gallon. 
Company is asking for two years of W2s when one W2 would suffice to provide proof of income and years of service at the same place of employment.

W2 contains other personal information not relevant to the application process.

The company is overreaching for personal information for an improper purpose.

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 2018-08-20
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: Investigation took more than 30 days

Complaint:
on XX/XX/XXXX i send a letter to the creditor and credit bureau stating the issues. What they sent back was payment history and validation of debt and they did not fix the inaccurate information on my report which is lowering my credit score and holding me back from purchasing a home. They are showing 30 and 60 days late on my report for XX/XX/XXXX and XX/XX/XXXXbut on the statements which i am attaching here it shows XXXX due and XXXX past due for these months. i will either the 30 and 60 day late removed from my report and it show never late or the account be deleted from my report all together here is a copy of the letter i sent the creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Dear creditor, I would like to start a new investigation regarding the account listed below : XXXX dont recall being late. 

Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I dont recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus.I have attached an XXXX statement reading that I owed {$0.00} in XXXX and there was nothing past due. This account should have been fully paid off by my GAP insurance and there should be no balance. Please fix this. 

According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. XXXX XXXX by the US Court of Appeals XXXX XXXX, XXXX XXXX XXXX XXXX, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 

30 days is the allowable time according to the law. 

I await your response.

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 2023-12-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting 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:
To whom it may concern, The reason for this letter is to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiry that I have no knowledge of and I do not recognize at all because I did not apply for credit with JPMCB CARD, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into JPMCB CARD inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if JPMCB CARD is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter The following inquiry must be removed immediately : 1.- Creditor Name : JPMCB CARD Date : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: AZ
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Paypal Holdings, Inc
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
pay pal. is trying to confuse the matter by using a different company name. They think they're confusing me when they get a company like XXXX to make calls of harassment. about alone when they associate with this company, the company call use profane language They're threatening tactics or talking about coming to my house and do harm. associated with pay pal under the guise of XXXX some other names for this company, that associate with pay pal is as follows. 1. XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX. The phone numbers to to include the following numbers. : XXXX, XXXX, XXXX aand 2 work from home XXXX phone numbers XXXX and XXXX the last 2 pretended not to speak XXXX. They sent this call after I paid on the debt, I owed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
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 victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Stenger & Stenger, P.C
State: OH
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:
XX/XX/XXXX is the statements date The fraud happen on XXXX XXXX XX/XX/XXXX the amount is XXXX I have contacting all companies involving I have filed police report. The last time I used the credit card was XX/XX/XXXX Someone fraud it through some type of online fraud.. I was part of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: WELLS FARGO & COMPANY
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XXXX XXXX I noticed that a charge from XXXX XXXX was charged to my account in the amount of {$110.00}. I contacted the Bank Wells Fargo and told them that this charge was not authorized by me to my account and to stop the transaction as it was still pending and had not gone through yet, I was told by the customer service repersentative that I had to change my debit card number and a new card would be sent to me and it would be turned over to fraud department, this has been a huge inconvience to me. As of today XX/XX/2023 I have been charged for this transaction and my account went into a negative. My claim number is 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 2021-12-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I was viewing my consumer report # XXXX and viewed a few violations : 15 U.S.Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b As a consumer my rights to privacy, consumer invasion to privacy where violated. In addition no written consent by myself the consumer was given, Please delete the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please delete these items pursuant to the above mentioned laws and send me a printed updated consumer report to the address on file

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 2018-04-26
Company: Comerica
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I attempted to use my XXXX XXXX ( Social Security XXXX   benefit ) card to purchase items at a local supermarket near home in XXXX MI.   I was shocked when informed my card was " invalid '', knowing there should have been more than enough money to cover my small purchase. I immediately went online to check the status of the card and discovered things were very wrong. My geographics were changed to a new address at XXXX XXXX XXXX XXXX XXXX GA XXXX  on XX/XX/XXXX with new card replacement and expedited shipping fees to the hacker 's address equaling {$17.00}. Then, I discovered on the same day of my attempted shopping trip in MI onXX/XX/XXXX, between XXXX-XXXX there were 4 ATM withdrawals made in the amounts of {$200.00}, {$200.00}, {$200.00}, {$100.00}, and three {$.00} fees at XXXX XXXX XXXX XXXX XXXX XXXX GA. I called XXXX XXXX and notified them of the ID theft, robbery, forgery as the hacker would have had to sign the new card in order to validate it, and tampering with US mail. The hacker 's card was cancelled and a new card is en-route to me. But I have yet again been mandated to pay an additional {$17.00} for this card/shipment. 2 police reports were made to report the crimes in XXXX, MI and XXXX XXXX GA. The SSA admin, XXXX, and Medicare have been notified. All 3 credit bureaus have been placed on fraud alerts with credit freeze. I am highly concerned as I change passwords to my account frequently and do not give out private data, except to those privy-need to know information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-06
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11
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:
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. It has been over 30 days since I have sent my letters which means these accounts have to be removed due to many inaccuracies and I have not been notified of the results with the disputes within that 30 day timeframe. Remove this items immediately!

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 2023-06-27
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to ARS, there is a medical debt associated with my name that I am completely unaware of. I want to clarify that I have health insurance, and on XX/XX/2019, I was not sick nor did I visit any doctors. Despite disputing this issue with the credit bureaus, I have not been successful in resolving it. The office mentioned in the report is unfamiliar to me, and there is no evidence such as signed contracts or hospital bills that link me to this debt. I want to emphasize that I was not ill at any point in 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
My car was repossessed with Santander! I got behind on payments during covid. They gave me XXXX time of covid relief and then after that they said they couldnt help me anymore. Ive spoke to someone last month and she told me as long as i made two payments last month i would be in the clear. I made the two payments. I walked out my house this morning and my car was gone. The last letter I got from Santander was telling me i was preselected for financing another car. I never even got a phone call. I tried calling Santander and they are closed on Sundays! How can you repo someones car in a Sunday and then be closed. I have kids, a XXXX XXXX XXXX grandma. I need to know where my car is so i can atleast scrape together what I can to get it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX and I both became very ill with XXXX. After recovering from XXXX I had a XXXX XXXX. My XXXX has recently been diagnosed with XXXX XXXX and is having XXXX on XX/XX/2023. When my lender offered me a forbearance plan while we recovered, we thought it was a godsend. However, my lender did not explain that they would not be helping me afterward. Now I owe a large sum that we do not have or we are at risk of foreclosure. We have been through so much and this is adding to our stress. We would like to pay our mortgage again. Please help, thank you.

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 2021-12-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The issue i am having is that Experian is continuing to report negative accounts on my credit report that are inaccurate and unverified. I have disputed numerous times via certified mail, phone, demand letter, and online. There is no proof these accounts belong to me even after requesting proof. The following accounts and inquires are listed below and need to be removed asap. 
collections XXXX XXXX & XXXX XX/XX/XXXX {$460.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} XXXX XXXX & XXXX XX/XX/XXXX {$1400.00} XXXX  XXXX & XXXX XX/XX/XXXX {$1700.00} XXXX XXXX & XXXX XX/XX/XXXX {$360.00} ( Dates are last reported ) Inquires XXXX XXXX XX/XX/XXXX XXXX XXXX AND XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX  XXXX NA XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AND AS XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Dates are Inquiry date )

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 2021-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it may concern, Under 15 U.S code 1618B - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX XXXX XXXX never gave XXXX any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX FTC Report 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