BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been a member of PayPal for years. For some reason I still do not know they changed my credit card number. Also they evidently are using Synchrony Bank which is abysmal. I have wasted six months attempting to get ANY help. Synchrony Bank keeps me hold and then attempts to transfer me to PayPal - where I am ( 1 ) disconnected ( 2 ) automatically get a busy signal. NOT ONE PERSON HAS ANSWERED MY LETTERS. I have sent all of them to the address located in the back of the billing statement that comes every month. I also have a {$20.00} amount that has been is that they refer to as " PayPal Cash Plus - I have asked in writing as well as verbally for PayPal to issue me a check for that amount. NOT ONE PERSON HAS REPLIED.

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 2022-12-14
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax dated XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor If you do not authenticate these accounts, I will take legal action against you. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXXXXXX XXXX XXXX Paid in full ) {$840.00} XXXX XXXX XXXX ( Paid in full ) {$1500.00} XXXX XXXX ( was removed and re-inserted illegally ) {$1300.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with original creditor and has been confirmed. I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Another instance of a second party trying to collect debt from me when I had in no way applied or used credit from these people, being a victim of past identity theft has made these random credit lines pop up on my credit report and results in hostile phone calls attempting to collect debt I dont owe

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a letter via verified mail requesting that within 30 days I receive verification of my account with an original consumer contract containing my signature. In response I received bank statements

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, IN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] BMO Harris Bank XXXX XXXX XXXX XXXX, XXXX, IL XXXX Subject : Reimbursement Request for {$6100.00} Due to Account Fraud and Closure Dear Sir/Madam, I hope this letter finds you well. I am writing to address a serious matter concerning my BMO Harris Bank account, which has been under fraudulent activity and subsequent closure for the past XXXX years. I kindly request your immediate attention to this issue and seek your assistance in facilitating the reimbursement of {$6100.00}, which was unjustly taken from my account due to unauthorized transactions. 

I was alerted to this unfortunate situation in XX/XX/XXXX, when I discovered unauthorized transactions on my account statements. These transactions were carried out without my knowledge or consent, indicating clear cases of fraudulent activity. I promptly reported these incidents to your bank and followed the necessary procedures to safeguard my account. 

Despite my best efforts and the cooperation with your bank 's representatives, the fraudulent activity persisted, leading to the eventual closure of my account in XX/XX/XXXX This ordeal has caused significant financial distress and emotional hardship for me and my family over the past XXXX years. 

I implore you to thoroughly investigate this matter and take appropriate actions to rectify the situation. It is my sincere belief that BMO Harris Bank should take responsibility for ensuring the security and integrity of its customers ' accounts. I kindly request the reimbursement of the stolen funds amounting to {$6100.00} to be deposited into my new account as soon as possible. 

I have attached relevant documents such as account statements, correspondence with your bank 's representatives, and any other pertinent information to support my claim. Please review this evidence and treat this matter with the urgency and seriousness it deserves. 

I remain committed to resolving this issue amicably and look forward to your prompt response. You may reach me at XXXX to discuss any further details or to provide updates on the progress of my reimbursement request. 

Thank you for your attention to this matter. I trust that BMO Harris Bank will uphold its commitment to its customers and ensure a swift resolution to this unfortunate situation. 

Sincerely, 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 2019-03-22
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
At or around XX/XX/XXXX I was laid off from a union company and fell behind on my auto payment. I called my lender and received a XXXX month deferment. However the auto loan became 124 days delinquent XX/XX/XXXX. I did not become employed again until sometime mid XX/XX/XXXX, around this time the car was repossessed. I contacted my lender and informed them I had just begun work and was able to pay the delinquent amount. XX/XX/XXXX I paid them {$1600.00} to cover the money owed. They sent a release to the repo company and I went and picked up the vehicle. Some time had passed before I noticed that the vehicle loan had been closed on my credit report however I was still making payments to the lender, I still had access to my account on their website. I am still able to log into my auto loan online account and make payments with my account showing current. I disputed this via XXXX XXXX  and XXXX recently and my lender disputed my claim that the account is still open and current. I contacted my lender Santander Consumer USA, they informed me that the day my car was repossessed they transferred the debt to their Debt collection department. I was told by them ; since they are a bank and an auto lender, they dont sell the debt to a third party. When I paid the delinquent money I was never informed of this. To my knowledge they are not reporting my monthly payments and have continued to report my account as charged off for over {$10000.00} every month. I believe this is unethical, potentially illegal and its preventing me from increasing my credit score ; which is effecting my finances. I am still in  possession of the vehicle and continue to make payments that reflect negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Affirm Holdings, 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:
In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX account XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, Affirm Inc Acct XXXX XXXX, XXXX  XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: TN
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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 information incorrect

Complaint:
In XX/XX/XXXX I opened a auto loan with USAA Savings bank in XX/XX/XXXX the bank closed the account without notification and reopened a second loan without authorization closing the original loan. The second loan opened in XX/XX/XXXX after the first loan was closed was opened without notification or authorization. This account activity has been investigated by FCRA and USAA has been fined for such activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax XXXX XXXX and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
JPMC and XXXX continue to report on my credit report after 7 years. 

I looked at some FCRA laws and it states Section 623 ( a ) of the FCRA generallyprohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. 

JPMC and XXXX continue to report on my credit report after 7 years. 


This is a violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Trident Asset Management, L.L.C.
State: TX
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:
Trident asset management is a debt collector stating that I have a unpaid debt owe to XXXX XXXX XXXX XXXX as of XX/XX/, which I never had any type of information of this company or that I owe money to this company, I dont even know this company at all this is not my debt I think this company is mistaken me with another person and this company is threatening me that a negative credit report will be submitted on my credit record and I have proof of the thread.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX  later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 2021-08-16
Company: Bridgecrest Acceptance Corporation
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
US DEPT OF EDXXXX XX/XX/XXXX {$10000.00}, XX/XX/XXXX {$4100.00}, XX/XX/XXXX {$4000.00}, XX/XX/XXXX {$3800.00}, XX/XX/XXXX {$2900.00}, XX/XX/XXXX {$2500.00}, XX/XX/XXXX {$2000.00}, XX/XX/XXXX {$1900.00}, XX/XX/XXXX $ XXXX {$32.00} THIS COMPANY IS REPORTING INACCURATE INFORMATION SUCH AS MY NAME MY BIRTHDATE MY SOCIAL MY ADDRESS AND WHAT SCHOOLS I ATTENDED. I HAVE CONTACTED THEM NUMEROUS TIMES CALLING SENDING LETTERS ETC. THIS COMPANY HAS SEVERAL MISSPELLINGS OF MY NAME SEVERAL SOCIALS AND MULTIPLE NAMES THAT DO NOT BELONG TO ME.I AM UNABLE TO OBTAIN ANYTHING IN MY NAME OR ASSIOCIATED WITH MY NAME DUE TO THESE INACCURATE INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

Company response to consumer: Closed with explanation