BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: VA
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:
I got a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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 ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to express my serious concerns and frustrations regarding the status of my accounts. It has come to my attention that all of my accounts have been categorized as " paid, '' and I believe there has been a misunderstanding regarding the legal implications of my financial obligations. 

I would like to address the issue by highlighting certain legal facts related to the XX/XX/XXXX act. As per my understanding, this act placed all property in the United States under the ownership of the United States or its designee. Furthermore, the currency is underwritten by U.S. Treasury notes, bills, and obligations. Based on this information, it is my belief that I can not be held liable for government obligations. 

I wish to draw your attention to Congress 's own words regarding the unconstitutionality of the XX/XX/XXXX act, as expressed in Senate Report 93-549 dated XX/XX/XXXX : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by the Congress, which affects the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confers enough authority to rule this country without reference to normal constitutional processes. '' I understand the importance of adherence to legal and regulatory standards, and I firmly believe that my accounts should be marked as " paid '' based on the information presented above. I kindly request a thorough review of my account status to ensure that it aligns with the legal context and my financial obligations accurately. 

I would appreciate your immediate attention to this matter and a comprehensive investigation into the reasons behind the " paid '' status on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
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:
Good morning, I submitted a dispute with XXXX since XX/XX/2022 and they are still investigating the dispute as of today XX/XX/2022. 
I tried to access my credit report on their website but it tell my that I am unable to due to a dispute being proceed. 
I reached out to them by phone over a week ago to ask whats going on and I was told my issue has to be escalated to the proper department and they would call me back in three days but I still have not heard anything back from them. 
I tried contacting them again today XX/XX/2022 but was transferred several time back into to call que to wait for another customer service rep.

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 2022-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On Saturday, XX/XX/XXXX at XXXX PM, for deposit, i placed a personal check of {$1000.00} in the ATM machine located outside the XXXX branch of Wells Fargo bank. The dollar amount of my deposited check, was frozen and the funds were withheld until Tuesday morning XX/XX/XXXX. I believe Wells Fargo withheld my funds illegally too long. I believe they were in breach of the law by withholding my funds for that long a period. I was misinformed by XXXX Wells Fargo people that the funds from my check in part would be released to me Monday, XX/XX/XXXX. In the past, when i made such deposits of a personal check at least % 40 of the funds would be released to 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
Consumer complaint received 2023-10-03
Company: KEYCORP
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings account with Laurel Road approximately XXXX weeks ago and funded my account. Without any explanation Laurel Road restricted me from any access to my account and also restricted my XXXX Bank account who is a subsidiary of XXXX XXXX. I have now been locked out of my accounts for a week and can not make any transactions. I have called numerous times, and emailed 3 times and have been told that I will not be told why my account is restricted or when resolution will occur. This has caused significant hardship for me not being able to access any of my funds. There have been numerous other complaints from others for this exact practice from this institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IL
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 Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: MD
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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22
Company: SYNCHRONY FINANCIAL
State: AZ
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 do not have any knowledge of applying for a credit card with XXXX. Nor do I have a contract with the debt collector. I demand this inquiry be removed from 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 non-monetary relief
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
i want to freeze my credit with EQAFAX and they make it impossible either online or talking to automated ai or even talking to a real human. this is a billion-dollar corporation that obviously doesn't want you to freeze your credit. there was no problem with XXXX or XXXX. the first time was in XXXX and then twice today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I completed a balance transfer application for XXXX Chase Visa through XXXX XXXX  XXXX. The fine print advised there was no guarantee of approval for the transfer or amount requested. Within a couple of days, the card showed up on my chase app. There was no email or account notification of the balance transfer in process. The XXXX account did not have an alert. I checked on several days. Believing i was only approved for the credit card which showed {$0.00} due, I reviewed what balance transfer offers were available. My XXXX Chase Visa  offered a balance transfer at a 1.99 %. Still a good rate I applied. The XXXX Chase account processed a {$12000.00} balance transfer on XXXX. Today I see the XXXX Chase card processed a balance transfer with no communication or alerts. Now I have 2 balance transfer fees. I called Chase Visa. They advised there was nothing they could do. I requested to speak to a manager and was told it was my fault and should have assumed the XXXX Chase card would transfer the balance. It did not matter if communication was not provided. The man refused to listen to me and hung up on me. I called XXXX for the XXXX Chase card. They assisted with the XXXX card as well. They are somehow tied together.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: Lockhart, Morris & Montgomery Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After leaving the company as driver, the company claims I owe them because I was supposed to work for them for XXXX  months but I did XXXX  months. I remember I did not sign such a contract with them. 

I requested they provide a contract that I signed that states I will owe them when I decided to leave before XXXX months but they didn't and they keep reporting the debt on my credit I requested for itemized receipts of the services they provided that costed me XXXX dollar and they didn't provide it. 

They should be the ones owing me because I was paid less than minimum wage and they lied about how much I would make weekly

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
LCI has failed to remove the bankruptcy off my consumer credit report. On multiple occasions I sent letters via the united states postal service requesting that they provide proof that the bankruptcy listed on my LCI report is accurate and to provide some sort of documentation from the direct federal court house or even a wet signature. Each time LCI failed to do a proper investigation. I called the federal court house and confirmed that they are not enrolled or subscribed to any credit agencies to report data but yet LCI without my consent reports this and shares this information to the major 3 credit agencies which is a direct violation of my federal consumer rights. I have called many times to LCI and they neither provide any support at all to handle disputes or to even remotely speak with anyone to assist when addressing any inaccurate information which they hold and share with Transunion. LCI which is owned by Transunion has violated my federal rights by sharing information directly to Transunion with knowledge of the fact that the federal court house which is the direct data furnisher is not enrolled or subscribed with Transunion nor shares its data with anyone. I have given no consent to LCI, XXXX or any other 3rd party vendor to share my information.

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 2019-09-16
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
Synchrony Bank has held at least two accounts of mine. Lowes and J.C. Penneys. On both accounts I made regular on time payments which I habitually do for all of my debts which my XXXX credit numbers reflected.The last bills I recieved from these two accounts showed a XXXX balance. I NEVER RECIEVED ANOTHER BILL FROM SYNCHRONY BANK AFTER THAT, SHOWING I OWED THE AMOUNTS DUE WHEN THE COLLECTION AGENCIES CONTACTED ME. I had no idea I owed these amounts.I have paid what I owed as soon as I was contacted by the collection agencies. My credit is now ruined for the next 6 years because of this bank 's actions.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 2023-07-22
Company: SYNCHRONY FINANCIAL
State: NY
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:
Charge for XXXX from XXXX was pending and posted on venemo visa credit card The amount was for a cancelled service that never happened I requested synchrony to refund the charge they have not It is not a valid charge

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 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
The following dispute form applies to all three ( 3 ) credit bureaus. In addition to the recently submitted credit report from XXXX  after the discharge in XX/XX/XXXX, the following disputes will be updated for the year of XX/XX/XXXX : 1. XXXX XXXX XXXX XXXX account was reaffirmed in the Chapter XXXX   Bankruptcy and a Homestead Deed of Exemption was filed. In regards to the Chapter XXXX Bankruptcy filed in XX/XX/XXXX, there were pre-petition payment ( s ) dating back to XX/XX/XXXX, post-petition payments that are still be accounted for and payments made through the bankruptcy court. The only directive was to stop wage deductions and that directive was in mid-late XX/XX/XXXX, approximately 1 1/2 years after filing. This matter is to be reported indefinitely. 

2. Spouses Name and/or Co-Borrower on the XXXX XXXX XXXX XXXX   was discharged in the Chapter XXXX Bankruptcy in JXX/XX/XXXX and credit reporting should have ceased on that co-borrowers credit report in XX/XX/XXXX. 

3. Per the XXXX  dispute form and all other sources of reference, " Positive information may remain indefinitely '' and the request is for all credit history ( positive ) to remain indefinitely. This credit report goes through XX/XX/XXXX and there is a sufficient amount of positive credit history and after this report, there are approximately 3 or more positive reporting credit history account in addition to what is on this XX/XX/XXXX credit history report. Some were reestablished credit history, etc. The request by the consumer of this credit history is that all three ( 3 ) credit bureaus are to report credit history indefinitely.

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 2023-12-07
Company: EQUIFAX, INC.
State: NC
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit 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:
Please see all files and pictures attached. 
In my Target Mastercard fraud claim dated XX/XX/ ( See attachment " XXXX XXXX ), that includes a total of 24 transactions for a total amount of {$880.00} ( See attachment " Pic 3 ), Target has completely botched the dispute process and has completely screwed up my account to the point that I can't make sense of it. Furthermore, Target approved my fraud claim in my favor but then for some unknown reason reopened the fraud claim all the way on XXXX  ( See attachment document page 2 of 11 ). Furthermore, Target states that the fraud claim was reversed and in an amount that I never disputed, {$1000.00}. 

I've called Target at least on 30 occasions and sent 2 letter, one of which was an appeal. I have only been able to speak to the representative handling my case on 1 occasion, her name is XXXX. I have never once been able to speak to XXXXXXXX XXXX supervisor. I ask to speak to them every time I call customer service, to no avail. The representatives tell me that all they can do is send emails to XXXX and her supervisor. They never call or resolve my claim. 

Target claims that travel tickets were purchased and therefore that was a partial reason for denying my claim. I asked Target to provide evidence of this, they have not. The only travel related charges that I do see on my statement that were disputed appear to be from XXXX XXXX. I called XXXX XXXX myself and ask about the 2 charges that appear to be made at their business. They advised me that those 2 charges that I see on my statement were not used to purchase any travel tickets but were in fact charges for miscellaneous services/item not involving any travel. 

Target claims that my PIN was compromised. I did not have my PIN written down anywhere. Additionally, I spoke with a Target call center representative by the name of XXXX  on XXXX who advised me that my PIN number was not used in any of transactions in question. 

Even more concerning, I appear to actually have received more charge backs and duplicate charge backs than I ever disputed in the fraud claim in the first place, which I have been made financially responsible for. For example, please see pay 7 of 11 of the attached document in the statement dated XXXX It shows a duplicate charge back from merchant XXXX XXXX XXXX XXXX, two charges for {$11.00} each. There was only ever one charge from XXXX XXXX XXXX XXXX to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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Company response to consumer: Closed with non-monetary relief