BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-31
Company: Experian Information Solutions 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:
I called Experian after I purchased a credit report from XXXX  on XXXX, 2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.

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 2019-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Iamwrittingthisduetonon-compliancewiththe(XXXX,XXXX,TransUnion).theyhavefailedtoremoveinformationthatwasaffiliatedwithpersonaldetailsthatwerechallengedinthepast.IstronglybelievethattheyareinviolationoftheFCRAandareoutrightrefusingtoupholdthelaw.

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 2023-10-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. 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. XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} 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 non-monetary relief
Consumer complaint received 2023-08-21
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check in my checking account via mobile deposit with Chase bank in the amount of {$2100.00}. The check was issued from XXXX XXXX XXXX  XXXX  due to an old mortgage account that I closed in XXXX. I made the deposit on XX/XX/XXXX. A hold was placed on the account. The hold was supposed to be released on XX/XX/XXXX. I called Chase on XX/XX/XXXXXXXX  to inquire about releasing the hold. I was transferred to the fraud department. I was told that the check was not able to be verified by XXXX XXXX XXXX bank, however, they did NOT say that the check was not paid. The representative questioned me at length about how I came in possession of check and so forth. I was accused of trying to deposit a fraudulent check. The representative said that my account would be closed on XX/XX/XXXXXXXX  and any funds in the account would be forwarded to me via check. As of today, my account shows an available balance from that check in the amount of {$1700.00} dollars that I am not able to access. Nor have I received a check from chase. I am still in possession of the check as it was made via mobile deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: SYNCHRONY FINANCIAL
State: VA
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:
COMPLAINT No.1 : Synchrony Bank allegedly " upgraded '' its care credit card to XXXX XXXX with the assurance that their card is accepted wherever XXXX is accepted. Exhibit I is a copy of a recent chat session ( page 1 ) confirms this allegation, yet ( page 2 ) refutes this assertion and confirms my frequent issue with wrongful declinations from Synchrony Bank. COMPLAINT No.2 : Exhibit II documents a recent PayPal payment that I ordered. Although posted to my PayPal account, the disbursement was not issued. Synchrony Bank is the servicer for PayPal. This is not the first time I have experienced accounting issues with Synchrony Bank. I wrote to the Office of the President as well as to XXXX XXXX, CEO directly and there was no response or acknowledgement. Synchrony Bank 's failure to respond is not surprising. CFPB Complaint No. XXXX remains open despite their missing their XX/XX/2023 by almost a month.

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 2023-10-12
Company: EQUIFAX, INC.
State: FL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Bread Financial Holdings, Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My debit card was charged {$1600.00} on XX/XX/2023. I am currently banking with Chase as they are not helping that much to resolve the issue. They have denied my claim and when I called him to get iy reopen I was instructed to submit evidence that what I was claiming was true. My claim is that my phone and wallet got stolen. I did not authorize this charge for {$1600.00}. They are claiming that they denied it because I have charges that posted after the date that my card was stolen, as well as someone being someone having my card pin. I have been getting the runaround through many of their associates claiming they did not receive the documents. I had them fax twice from my personal bankers. I have XXXX. They were stating that they did not receive the fax or emails that we have sent and my bankers also stated that they have proof that they did receive the paperwork because they receive Successful submission emails from the company. They are telling me to go through the merchant, which is XXXX and XXXX has told me to go through the bank. Like I stated above, I feel as if I am getting the runaround, and I am not pleased. The paperwork they want to receive was to prove that I had to get a replacement phone and to show that the charges that were posted after my phone was stolen actually charge days before. I have submitted these documents and they are still denied my claim. They are saying I cant even go to a police to get a result. All I want is my money back. {$1600.00} is a lot of money to take a loss on and I am not pleased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: MA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-11-06
Company: AMERICAN EXPRESS COMPANY
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: Information belongs to someone else

Complaint:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft AMEX Account Number : XXXX This is not mine. 

6. Identity Theft XXXXXXXX XXXX  Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: Paypal Holdings, Inc
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:
Hello I am complain against PayPal they close my account and they dined my all the disputes, I have not received the item from Seller and she blocked, after when I open a dispute now PayPal close my account they did not help me to get my refund, I also share a screenshot, Please help me to get my refund because it is my very hard earned please help me to get my refund from XXXX XXXX. 

4 disputes each XXXX $ amount. 
I ordered these pairs in XXXX but I have got nothing from the seller, she asked me first for more payment when I refuse they blocked me. 

Please you can contact to PayPal to help me to get my refund. 

Your help really appreciate Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have tried multiple times to contact portfolio recovery collections and the credit bureau XXXX regarding the three debts that they have in collections on my credit report. This company is devious and has put the wrong open dates wrong on my credit report along with constantly trying to contact me. The original debts were opened many years ago and if you even call and attempt to speak to anyone in the company they will immediately assume that the debt is yours and change the open date of the debt and the credit bureaus will not listen to the consumer but to the debtor. I have tried to fight these old debts and have gotten nowhere. 
I do not have all of the dates of when I have contacted portfolio recovery - for if I do, it makes it worse. I just recently tried to fight the credit bureau again within the past 6 months and the gentleman on the phone was extremely rude to me. 
The amounts of the three debts are : {$960.00} - open XX/XX/XXXX {$940.00} - open XX/XX/XXXX {$890.00} - open XX/XX/XXXX These dates are NOT the original open dates of any past due debts that I own. If you look at my credit report, all of my credit has been paid on time. 
I am fed up and frustrated about what else to do. I have sent them letters and I just don't know what else to do. I really need your help. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-03
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:
XXXX XXXX ran my report 3 times in short period without my knowledge or permission. I never signed any agreement ( written or verbal ). I think this is fraud. I will not except no on this. I will message as many times needed until it's removed. I own my house deed and all. I can prove this. There is no need for me to apply for a home loan when I own one out right

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 2022-12-02
Company: Experian Information Solutions Inc.
State: IL
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:
This complaint is not a duplicate complaint. I am writing to request the method of verification for dispute initiated on XXXX XXXX  and the subsequent response received on XX/XX/XXXX enclosed with this letter. Re : 1. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! Please send the following information used to verify the validity of : The name of the original creditor The creditors address and telephone number The persons name they verified the dispute with The documentation used to verify the dispute In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. PLEASE NOTE, THAT I'M NOT USING ANY THIRD PARTY FOR THIS MATTER, I represent myself by myself I have enclosed in this package : FTC Report, Affidavit, copy of SSN, ID, POA

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 2023-07-25
Company: KEYCORP
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Earlier this year I was at the end of my auto loan with Key Bank. Due to a TYPO on my part instead of sending a payment for {$240.00}, I sent a payment for {$3200.00} key Bank considered the loan paid in full. The check for {$3200.00} was returned f or NSF. I took the hit on charges for the returned check. The amount was an over payment up to the point of the check being returned. key Bank sent me a check in the amount of the overpayment, but there was NO LETTER explaining the check. I called Key Bank and was told that they DID NOT send me a check and the check I received was fraudulent and should not be cashed. I called the check verification line and was told that the check was good and that I could deposit it into my account. Before I deposited the check, I had the bank call Key Bank Key, they were given the same information. Key Bank without notifying me re-opened the loan and 2 months later sent me a Notice of repayment and a statement for late fees. I recently received a statement with a XX/XX/XXXX, Due Date but received it 12 days after the due date. I tried to contact the bank through their CHAT, but no one was available to talk to me with any authority to look into the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: Lennar Financial Services, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I submitted an mortgage application to Lennar Mortgage and received and preapproval and conditional approval to purchase a new construction home from Lennar XXXX at the XXXX XXXX XXXX XXXX in XXXX, California. Less than 2 months prior to the closing date, I received an email from the mortgage agent asking me if I wanted to withdraw my application. I informed them that I did not. The mortgage agent sent an email informing me that he was going to cancel my application at the request of Lennar XXXX because they was cancelling my contract. I did not agree to cancel my contract and did not inform Lennar Mortgage to cancel my application. Lennar Mortgage cancelled my application and did not provide me with any written reason as to why other than an email stating that the builder said to do so. In addition the title company, Lennar XXXX, took my {$20000.00} earnest deposit and did not return it. I sent them a certified letter and no response was received.

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 2023-02-05
Company: EQUIFAX, INC.
State: FL
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 '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; has violated my rights and is reporting information solely as to transactions or experiences between the consumer and the person making the report. ( ie., utilization, payment history, late payments. ) 15 U.S. CODE 1681 section 602 A, states : I have the right to privacy.

15 U.S. CODE 1681 section 604 A section 2 also states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S. CODE 1681a ( d ) ( 2 ) states : Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. CODE 1666b states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S. CODE 6802-Obligations with respect to disclosures of personal information states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital System Information request letter sent to validate debt with a billing statement in the following dates : XXXX XXXX XXXX XXXX No response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: EQUIFAX, INC.
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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