BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-23
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:
XXXX XXXXXXXX BANK HAS XXXX CLOSED, NEGATIVE ACCOUNTS REPORTING ON MY CREDIT REPORT OPENED IN XXXX AND XXXX BOTH ACCOUNTS WERE OPENED FRADULENTLY AND I HAVE CONTACTED THEM FOR XXXXYRS STRAUGHT TO INVESTIGATE AND REMOVE THE FRAUDULENT AND NEGATIVE ACCOUNT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: SYNCHRONY FINANCIAL
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:
My ex-wife filed for bankruptcy in I believe, early to XXXX -- we separated in XXXX and divorced in XXXX. Months later I noticed a delinquent account on my credit report to Synchrony Bank for a " Care Credit '' charge account. I contacted Synchrony about this and they claimed I was on the account. I stated I was not, and even my ex-wife states to this day that I was not on the account. When I protested it, Synchrony sent me a claim review letter that stating I was on the account because " Payments have been made by me on this account '' and " The account has been open for more than 12 months with statements sent to you. '' Both are false -- I have never made a payment to this Care Credit account, and I never once received a bill. In fact, the first mail I received from them was that claim waiver, and it was addressed to " XXXX XXXX, '' so they don't even have my proper name and I have never gone by that alias. Also, I have now and in the past had four Synchrony accounts, and have never been late on one of them. Why would I suddenly stop making payments if the account was mine. And, I can see every account with Synchrony with my login online, but yet the Care Credit account does not show there.

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 2023-06-20
Company: Experian Information Solutions Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
Some of the accounts that are on my credit report is still reporting as late payments and the accounts have all been paid off and they are over XXXX XXXX XXXX. Then they trade collection accounts to other companies which makes it look like they are new collections when they add it to my account. This is unacceptable because these accounts are from XXXX and older and have been paid off. They should not still be populating on my credit report. There is a XXXX  account for {$670.00} that does not belong to me. It belongs to XXXX XXXX and they keep saying its mine. It is notthey account was transferred to his name. I would like these corrected because it is definitely making my credit bad when I actually have no debt but my car payment and student loan. 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 2023-06-20
Company: Source Receivables Management LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested documentations to verify allege debt and were not able to deliver all Requested documentations under the law so XXXX days has passed and they haven't delete the file from credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, 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:
I am a victim of identity theft and Equifax was asked to block several accounts that were illegally opened in my name on my credit file ( Confirmation # XXXX ). I noticed on my credit file in XX/XX/2023 that several accounts had re-appeared on my Equifax file. I submitted a dispute with Equifax on XX/XX/2023 requesting that they immediately block this fraudulent account information. To block this information, I enclosed a copy of the police report regarding my identity theft, notarized FTC ID Theft Affidavit, and ID verification documents. The accounts are : XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX In my written notice to Equifax, I wrote that " This information does not relate to any transaction that I have ever made. Please block this information from my report pursuant to 605B of the Fair Credit Reporting Act - Your office has 4 days to do so under federal law. On XX/XX/2023 I received notification that the dispute was finished and the accounts had not been blocked. 

All inaccurate Information should have been removed from credit report by XX/XX/2023. According to law disputed information related to identity theft must be removed from credit reports within 4 business days. Police report, Identity theft report, copy of id, copy of social security card, dispute letter, copy of Police Report were also mailed by certified/return receipt overnight mail on XX/XX/2023. All above listed enclosures were also uploaded into Equifax dispute portal on Equifax Dispute Website on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and anxiety. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity 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 explanation
Consumer complaint received 2020-07-31
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
My problem is with my Apple card serviced by Goldman Sacs. I  purchased an XXXX with my Apple card on XX/XX/2020. I purchased a brand new XXXX XXXX. While filling out the credit card information ( took about an hour because the wallet app would not prefill any information and all the boxes were not fill-able ) I finally got the payment done. However there was no option for interest free payments for a year like it was advertised. There was nothing offered, no box to be check or anything. I assumed that because it was an apple card purchasing an apple product on the apple website everything was okay. I payed my XXXX statement and the principle looked to be interest free until this pay period. Now, I owe the full balance of the phone or I face interest charges. I payed off the card and canceled it. This is unacceptable. The only answer I got from Goldman was to return the phone and repurchase it on a payment plan. However the phone is not returnable because its past the 30 days return policy. This card is purposefully marketed towards apple consumers and judging by the poor wallet design, wallet integration and implementation by Goldman Sacs, they are taking advantage of people during COVID-19 and their resolution is basically " to bad ''. I effectively closed my account XX/XX/2020. Hopefully, no one else falls for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX XXXX. 

Account name : XXXX # XXXX, XXXX XXXX XXXX  # XXXX, DEPT OF ED/AIDVANTAGE # XXXX, DEPT OF ED/AIDVANTAGE # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX # XXXX, XXXX  XXXX 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 explanation
Consumer complaint received 2023-03-31
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it may concern, On XXXX, XXXX XXXX XXXX issued check # XXXX to me to mail and pay off the balance of {$880.00} for my JCPenney account ( managed by Synchrony Bank ). On XXXX, I mailed check # XXXX to JCPenney XXXX Synchrony Bank to pay off the balance however, on XXXX the check was deposited by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) to a Misc Deposits account, despite I have never had an account with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). 

After opening 4 disputes with JCPenney - Synchrony Bank ( Disputes opened on XXXX, XXXX, XXXX, and XXXX ), I was assured the disputes were denied and the payment were not applied to my JCPenney account, due to the check not being cashed by SYNCHRONY BANK but being cashed by XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( Please see attached check for confirmation ). 

To resolve this matter, I am requesting XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), issue a check to pay the balance of {$880.00}, in addition to all interests and fees that have occurred from the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) deposited the check and collected debts without a reasonable basis, until the resolution of this complaint. 

Thank you for your assistance in advance!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For one account ( XXXX XXXX ) it is reporting that my last payment was made on XX/XX/XXXX and that the account was closed on XX/XX/XXXX. The card was closed XX/XX/XXXX. I asked for verification that this account is indeed mine and I asked for the method of verification. I have received no response from them. I reached out on XX/XX/XXXX. No response and nothing change. 

Next account ( XXXXXXXX ) I asked for validation and received no response. Acct is not mine

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 2023-06-28
Company: EQUIFAX, 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:
XXXX XXXX financial-delete line paid in full, never late-as show delete line from the report Consumer Disputes This Account Information Charged Off Account Account Transferred Or Sold Fixed Rate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 decided to get my credit pulled due to a couple of bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX XXXX {$300.00} XXXX   XXXX XXXX XXXX {$760.00} XXXX XXXX XXXX XXXX {$2100.00} XXXX   XXXX XXXX XXXX {$920.00} XXXX  XXXX XXXX  XXXX {$750.00}

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: Experian Information Solutions Inc.
State: IL
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:
The Credit Reporting Agencies are bias and are refusing to delete the identified transactions from my consumer report, violating my right of privacy.

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 2023-06-12
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:
After acquiring a copy of my credit report, I made a distressing discovery : I have become a victim of identity theft. Given that I am currently in the process of purchasing a home for my family, this revelation has filled me with horror and concern. The repercussions of this fraudulent act have had a detrimental impact on my financial well-being. Therefore, I kindly request your immediate assistance in removing these fraudulent accounts from my credit report. Please see attached for additional documents

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 2021-03-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I and my husband have a checking account with Chase Bank. The checking account is for my husbands salary direct deposit from XXXX XXXX University. He and I are both professors at XXXX XXXX University. We went to the bank branch ( Chase Bank, XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ) on Thursday XX/XX/2021 to get a cashier 's check for the amount of {$110000.00}. Earlier that day, we opened a new account with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ). Our purpose was to transfer the funds to XXXX XXXX XXXX to work with them to get a mortgage. XXXX clerk asked us all sorts of security questions, requested ID and we provided all and answered all. They asked my husband what is my SSN? They then asked why we need the money.The clerk was snickering and teasing us and I was so upset that i left my husband and sat in the car for a few minutes. After all sorts of questions, they said we can not provide you the cashiers check, because we don't know what you want to do with the money. They said we need to stay in the lobby in a very offensive tone and very disrespectfully. All other customers were looking at us like we were criminals. The bankers were saying how do we know you are not fake. We insisted that we need to deposit the money in another account. It took more than an hour until we asked to meet with the president of the branch. We eventually met with MrXXXX XXXX XXXX who kept saying we dont know whether you are real owners of the account. I finally showed him documentation that we had opened an account in XXXX XXXX XXXX and he said he could wire transfer the money. He said we can not give you the cashiers check, but we can do wire transfer. I asked if I am a fraud, how do you trust this piece of paper that i present to you as my account in other bank, but you do not trust myself as an individual and owner of the account. He said we can not give you the check. My impression was that it was all racial profiling and my ethnicity. I am an American Citizen and have entered and lived in this country legally for more many many years. I do not deserve to be treated like a criminal. I am an educator and a professor and have contributed to the community all my life. The fact that they withheld my money from me, is absurd and unacceptable. I cried after i left the bank in the car because I was embarrassed in front of other people and I felt terrible to be treated differently and like a criminal. I have spoken with my attorney and he has suggested that I first file a complaint with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : XXXX. XXXX XXXX XXXX ( Originally : 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 2022-11-30
Company: EQUIFAX, 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:
This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation