BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-12
Company: SYNCHRONY FINANCIAL
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:
Early last year I saw a hard inquiry on my credit reports stating someone had attempted to open an account with XXXX XXXX financial services for a credit card. This was not me. I contacted the credit companies, as well as XXXX XXXX, and put a fraud alert on my account. I filed a dispute with the three credit bureaus asking for the information be removed. The credit bureaus state that they merely relay information provided by banks, and I must take it up with the banks. 
Later, this happened again, I had a inquiry stating that an account was attempted to be opened with Lowes, through Syncrony bank. This time I repeated the steps, and filed a police report on the matter. I sent all materials including the police to he credit bureaus, who again told me to take it up with the bank. I contacted XXXX XXXX, and Synchrony bank, who have now been jacking me around for a year, with proof and fair notice of identity theft and that they are reporting fraud on my credit report, and a sworn affidavit of such from me. 
In particular, XXXX XXXX has now sent me a third request asking for my account numbers and things I already sent them. I spent an hour on the phone with XXXX XXXX describing the circumstances, emailing the items and the police report to the supervisor on the phone, then a month later they want to know something more and have me re-send the same information again? 

XXXX XXXX is now participating in the fraud by deliberately stalling fixing their error.

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 2023-10-19
Company: Experian Information Solutions Inc.
State: TX
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:
I've been writing XXXX, Experian and XXXX since XXXX, XXXX, XXXX, and XXXX and none of them responded to my letters. I'm doing this process right now to see further results of my disputes concerning those inaccurate accounts that they've put into my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: SC
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:
XXXX no longer services my XXXX loans and that is reflected on my account information on their website, but the credit bureaus keep reporting it even though I've disputed it several times. The new government XXXX  loan servicer is XXXX with a total debt of {$140000.00}. The old XXXX account is part of this. They need to remove the {$63000.00} XXXX account. I have documents from my XXXX account to prove this. The credit bureaus should be able to access this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: AMERICAN EXPRESS COMPANY
State: IN
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:
American Express won't resolve a dispute in my favor with XXXX  for a defective and stolen phone shipped to the United States. They wanted me to pay for a high return shipping XXXX {$67.00}! ) even though the phone isn't compatible with any major US carrier and results in a suspension of service. Charged {$410.00} on XX/XX/2021 dispute reference # XXXX. Complained to FTC and FCC complaints attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal closed my account for no reason and will not help me with getting it back up and going, and they sent the money that was in my balance to PayPal correction I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for months but i remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my paypal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The letter head is American Express this charge was supposedly opened in XXXXThey have been harassing with letters and even threatened to sue.This charge is not even mine. the amount is for {$6500.00} We have tried every time we received a notice to rectify. They keep sending settlement options this time is {$1600.00} my credit has tanked and can not even begin to repair it with this on my records. 
I spoke to XXXX  and they sent me to you stating this is a scam the address is American Express XXXX XXXX XXXX XXXX, DE XXXX phone XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied the Home Depot Credit card even though I have excellent credit and long standing credit history. The decision on which Citi said they made the decision is incorrect. I've escalated this to their executive response unit multiple times over the last few months with no resolution. Given that this decision was made in error, I have asked them to remove the hard credit inquiry which they won't do and is leading to this complaint.

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 2022-03-31
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX I switched phone companies because I was continuing to have issues w the billing. I closed the account but found out 2 months later that the employee there was issuing phones on closed accounts and before you know it you have a XXXX bill for a phone you dont have. Then 6 months later I find out that there is a loan out for a mower that a business a city away leased allegedly to me. I go to the business and speak w the owner who says someone who looks like me but def not me came in with a man that was not my fianc this person was over XXXX '' taller and long hair they proceeded to issue this loan with out the physical ID present they " used a copy ''. I never once received a call to clear the fraud alert on my credit as there has been an extended freeze added in XXXX as this has unfortunately has happened in the past. I requested 3 times in writing for Truist bank to turn over any and all documents related to this debt so that I may continue to pursue legal action which they failed to do so. They reported this account for months causing me to loose the funding for my home and now my children and I are displaced. The company failed to send any of the documentation requested and violated my right to even attempt to resolve the debt. This company should be held accountable for not following guidelines to resolve debt and issuing lines of credit/loans without completing Due diligence

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 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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 was contacted by a notice by Capital One regarding an inquiry made that I never applied for or contracted. They reported and defaming information beginning XX/XX/2021. They never supplied sufficient information to me in order to validate the inquiry. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: NY
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:
these inquiries in my report are totally inappropriate pleses remove it XX/XX/XXXX Incorrect

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 2023-01-08
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.

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 2021-05-12
Company: Chime Financial Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I wike up to my chime card balance being iverdrawn XXXX and my card completly wipped out even took my savings arond XXXX dollars and chime isnt doing anything ti help me with money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: DISCOVER BANK
State: AL
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:
I received unauthorized charges on my credit card account and reported it to the credit card company in XX/XX/XXXX. The total amount of charges were over the amount of {$710.00}. The account was closed and placed under a 90 day investigation. After the 90 day investigation ended, the credit card company did not resolve the charges in my behalf and proceeded to charge back the unauthorized charges to my credit card account. I've contacted the credit card company to appeal the charges on several occasions. Furthermore, I've contacted this credit card company on XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX. However, I was continuously treated with hostility in regards to resolving the unauthorized charges including mailed and faxed affidavit forms from this credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: WI
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 want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX  Reference # : 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 2022-08-17
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, This is XXXX XXXX, resident of XXXX, California. I am reaching out to notify you about filing a report about an employment fraud/scam. I am a recent college XXXX and submitted my resume on XXXX site, then was reached out via text message from number ( XXXX ) XXXX about an opportunity on XX/XX/XXXX. I thought I was communicating with the actual XXXX XXXX and what I thought was a legitimate business. I was put into contact their alleged Chief Information Officer employee XXXX XXXX to see about the employment and job briefing via XXXX. After contacting someone posing as the real XXXX of the company, I was offered the work from home job. On the job application, my personal information like my social security and home address was included. XXXX XXXX then informed me that the company was issuing me a {$3500.00} check to purchase my at home office. The alleged company issued out a check on XX/XX/XXXX to acquire an at home office setup to begin training. Once the check was deposited to my account, I was asked to XXXX the money to individuals that were claimed to be the vendor and shipping agent. XX/XX/XXXX XXXX {$1000.00} payments to person XXXX XXXX and a {$1000.00} and {$400.00} payments to XXXX XXXX. The next day the XXXX, another check of {$4200.00} was issued to acquire the rest of the equipment but {$3500.00} of it was returned because of a problem with the issuer when trying to be deposited. The remaining {$700.00} was instructed to be sent to XXXX XXXX. I was then asked to pay for the rest of the equipment and would be reimbursed but I declined and this began my suspicions. The employees from the company have not been transparent and their communication has began to become suspicious and then ended all together after I alerted them I was reporting them for fraud and further investigation. I am now being charged by bank for the full amount of the fraud checks and am doing everything in my power to report and be protected and reimbursed for the bad money. These scammers were posing as the company and now I know it is a scam and fraud. I have also contacted my bank and credit union for a fraud alert to protect myself as well. US Bank and XXXX have not helped me or reimbursed me for the scam because they claim I had authorized the transactions and they are not held responsible. Which is unfair and now I am out the {$4200.00} that was sent to the scammers via XXXX. I have also filed a report with XXXX Police Department, XXXX District Attorny, FTC and FBI IC3. 
Please contact me to begin the next steps to further investigate and protect myself, and get the money back that was scammed from me. 
Here is my contact information. 
Cell : ( XXXX ) XXXX Email : XXXX Thank you for your 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 explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have been trying to deal with transunion directly for a few months now. There are inquiries on my report i never authorized and have no knowledge of that I would like removed from my report as there in accurate/fraud. XXXX XXXX XXXX ( Hotel and travel ) XX/XX/2021, XXXX XXXX  ( Bank ), XX/XX/2021 XXXX XXXX ( Bank ), XX/XX/2021, XXXX ( Finance ) XX/XX/2021, XXXX XXXX ( Finance ) XXXX XXXXXXXX XXXX and XXXX XXXX ( Finance ) XX/XX/2021.

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 2020-07-24
Company: Manhattan Beach Venture, LLC
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/2020 I authorized monthly drafts for repayment of my loans. I have been reported to the credit bureau for nonpayment, resulting in a drastic decrease to my score, resulting in my inability to provide housing for myself and my son.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-09
Company: EQUIFAX, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry DateXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I currently have a first mortgage with   Nationstar. We are in the process of applying for financing to purchase a new home ( with another lender ).
Nationstar offe  red me a loan modification in late   XXXX    . I paid the  three trial  payments, and was then permanently modified.     When my new lender pulled my payment history,  the three trial payments for the modification period showed as my loan being in forbearance. My loa n was never in forbearance. This is now holding up my financing process with the new home - which I am about to lose to another buyer.     I have spoken with Nationstar numerous times, and I have also sent numerous emails to their research department ( as instructed ) with NO response.     I just received my most recent statement as well - they have been collecting legal fees from me as well without my knowledge, and for no reason. I finished a successful Chapter  XXXX  in   XXXX   XXXX    , and no legal fees should be due at ALL.     I need help. No one is responding - talking to customer service is absolutely useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
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: Account status incorrect

Complaint:
I received a copy of my credit report and I have found the following items listed below to be in error. Pursuant to XXXX5 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Also unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to XXXX days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted 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