BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-09
Company: SYNCHRONY FINANCIAL
State: CA
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:
XXXX XXXX, I purchased several round trip tickets for XXXX in XXXX for a wedding happening in XX/XX/XXXX. Because of covid-19 that flight was canceled and rescheduled for a later date. I soon found out thru XXXX news that XXXX was having employee strikes and in possible verge of filing bankruptcy. I advised my credit card company to the above mentioned and told them that i was not getting the service i purchased and that the airline was only willing to provide vouchers. I told the credit company that i was going to lose my money and they initially gave me credit and disputed with the airline whom in turn told them i purchased a non-refundable tickets. I explained that i did not cancel nor did deny to fly, the airline never provided the service and at the end the company filed XXXX and i lost the money and still paid my credit card. i believe if the credit card company would have taken my side this would have never happened. I feel that based on thier actions they should be the ones responsible for the loss. MasterCard thru Sams Club is the credit card issuer.

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 2022-10-07
Company: EQUIFAX, INC.
State: TX
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 2021-12-10
Company: CITIBANK, N.A.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i have reached out to Macys and requesting information in which i have yet to receive a response. Macys is in violation of my rights as a federally protected consumer

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 2023-10-25
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:
XXXXXXXX XXXX XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After months of intense disputing with the credit bureaus, XXXX XXXX, and The Bureaus directly I thought this nightmare came to an end when the account was finally removed from my credit report, only to be woken up after a long days work by a collection agent from the Bureaus!! Not only did they totally belittle me, they told me I still owe the money, I still need to pay them, and they will still be doing everything to enforce their request for payment! I requested, by certified mail ( see attached ) that they no longer contact me by phone, I also sent them the fraud form I filed with the police! HOW DARE THEY!! PLEASE HELP ME!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital one sends me offers of preapproved credit cards with attractive bonuses in the mail. And then why I apply, they deny the card. This has happened 2 times in as many years now. 

The last time they said it was because I had closed a Capital One credit card in the past 24 months. Well shouldn't those knuckleheads have checked for that before pre-approving me? 

This time, they said I had too many credit inquiries in the past 24 months. Utter XXXX! Their response was earlier this month and just today I applied for a similar offer for a XXXX XXXX XXXX credit card and it was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Dear Bank of America I am alive and kindly ask you, Bank of America to refrain yourself from sending your people to my relatives ' addresses across the United States, asking them to sign your claim with case number : XXXX, filed at XXXX County Court in Georgia, followed by a surge of ad letters from attorneys, pushing me to file for Chapter XXXX or XXXX. 

It is important to know that my relatives are not personally responsible for my debts, under any circumstances. Additionally, they did not cosign this debt with Bank of America. 

I repeatedly attempted to settle this debt, via out-of-court communication, but your internal collection department was so AGGRESSIVE and refused to accept my proposed repayment plan. Instead, your interest rates and fees were jacked up on me and you declared the accounts as Charged-Off debts, claimed a tax break for the supposed loss, and then you sent your people to my relatives, asking them to sign your claim with case number : XXXX. 

I use the address below for correspondence, but I do not reside there and do not own the property located at : XXXX XXXX XXXX, XXXX GA XXXX. 

Your people threaten my relatives, to force them to sign. I ordered them not to sign. It appears that you or your servicers make it sounds as if I am hiding from you. 

In reality, I am in a difficult situation with the XXXX XXXX  XXXX XXXX ( XXXX ) in XXXX. I put a lot of time, effort and money in this education and now I can not validate the education, to obtain license to practice the profession of radiology, because XXXX hijacked the final piece of documentation. See attachment. 

I already provided you with addresses and telephone numbers to contact me abroad. 
Why didn't you contact me first? 

Hence, I contacted the XXXX County Sheriff Office/Court and kindly requested to return your document, unsigned, back to you and to dismiss your claim with case number : XXXX. 

I need more time and making progress to solve the case in XXXX. It is possible for me to repay all the debts, if private lenders like you are as patient as the government lenders. 

Again, I propose to your collection department to temporarily accept an Income-Based-Repayment ( IBR ) plan or Pay-As-You-Earn ( PAYE ) plan. 

Kind regards XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Entrata Inc.
State: PA
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 noticed unauthorized inquires on my credit report that I would like removed. XXXX inquires from Resident Verify and XXXX inquiry from XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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 15 USC 1681.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Block, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
I have reached out to Cash App repeatedly regarding my mobile deposit of {$1100.00} on XX/XX/XXXX. It's been 12 days and they still have not released my deposit. They keep saying it's in review or that they have a system glitch. I desperately need my funds in order to move and if thefund are not released my family and, I will be facing homeless. They said it would take 4 business. Can you help with this matter? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
In XX/XX/2022 I paid American express {$4200.00} for a bill that was meant for my XXXX XXXX  XXXX. I contacted American express around XX/XX/2022 and asked for them to send me back the money. They said they would send me a check with in XXXX to XXXX  days. I called them XX/XX/XXXX and told them I had not received the check and they said they made a mistake and did not mail it. That they would be sending me a check and I could expect it in XXXX to XXXX  days. I asked for a supervisor and asked if they could wire me the money. They said they only can wire money after they attempt to send the check. I told them they already tried to send a check and failed. He refused to send me a wire transfer and said " checks in the mail ''. XX/XX/XXXX I called again and said I did not receive my money. They said that the check for whatever reason was not send out. I asked to have the money wired to me and they said they would do that and said I would receive the money in XXXX to XXXX  days. I did not receive the wired money. It is now XX/XX/XXXX I am on hold with Amex on my XXXX call to them asking them where my money is. They said it still has not been sent and I am on hold waiting for them to give me a response. I think this is criminal that they can hold my {$4200.00} XXXX and not return my money. I feel helpless and I feel taken advantage of. How many people do they do this to. How many millions of dollars are they holding XXXX making money off my money and purposely doing this to make additional profit. I have bills to pay and just went thru the holiday and I am getting desperate. I am hoping you can take some sort of action against this company and fine them for this behavior so they don't do this to any other people. I don't know if I have any recourse against this company. Any help you can provide me would be greatly appreciated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: TD BANK US HOLDING COMPANY
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: Card was charged for something you did not purchase with the card

Complaint:
MY TD CREDIT CARD WAS HACKED. I CALLED TD AND THEY SAID THEY ARE SENDING ME TO DISPUTE AND WILL CANCEL THE CARD I WAS TOLD A NEW CARD WOULD BE SENT TO MY HOUSE BUT TWO DAYS LATER WHEN I CHECKED MY CARD I NOTICED MORE MONEY WAS TAKEN OUT. 
I CALLED TD ONCE AGAIN AND WAS TRETED DREADFULLY AND WHEN I WAS SENT TO FRAUD THE PERON IN THAT DEPARTMENT SAID MY GOODNESS YOU WERE HACKED WHILE THE CARD WAS IN TD 'S POSSESSION. IASKED THEM WHEN WOULD I GET MY MONEY THEY SAID IF ITS PROVEN A FRAUD THEN PERHAPS IM60 DAYS THEY WILL DECIDE TODAY I RECEIVED A LETTER FROM TD DENYING THE FRAUD

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am confused as to why XXXX has already removed the late dates and updated the negative status of these accounts to a positive one from their records, while your bureau has not followed suit. The creditors have already agreed to remove the late dates as they are inaccurate, erroneous, incomplete, or unverifiable. I was the victim of identity theft, and it is not clear why your bureau is not complying with the law. The other bureaus have followed suit, and it is frustrating that your bureau is lagging behind. I demand that you take immediate action and update these accounts in my credit report. The error has already been found, and I expect that you will follow the same course of action as XXXX and update my file accordingly. The questionable accounts are : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Please note that I am extremely annoyed and frustrated by this issue, and I have capitalized some sentences to express my dissatisfaction. I expect that you will take immediate action to resolve this matter.

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 2021-04-20
Company: Experian Information Solutions Inc.
State: AZ
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:
Around XX/XX/2020 I paid off my second auto loan with XXXX XXXX XXXX XXXX in a one year 's time I paid off two car loans one for around {$8000.00} and another one for around XXXX when I paid off the loan for {$12000.00} I still owe like {$3500.00} I paid that {$3500.00} and I asked experience if they get updated after 30 days had passed instead of updating it they took it off my credit report now XXXX XXXX XXXX XXXX and our Experian one of them refused to place the paid auto loan back on my credit report and it dropped my score almost 100 points

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 2023-03-19
Company: EQUIFAX, INC.
State: PA
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 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
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:
XX/XX/XXXX2022 I recently reviewd my credit profile and was under the impression that i had inaccurate items or reports on my credit profile under my name and personal information. I gave oral and written instructions to these credit reporting agencies at least one already. I have been ignored, displaced and adverse action taken against me for these inaccuracies. Below I found hard inquries I do not recall nor have permisable purpose to be on this profile attatched to my me or my information. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX PLEASE REMOVE THESE INQUIRES FROM MY PROFILE XXXX ARE FURNISHING WITHOUT PERMISABLE PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: EQUIFAX, INC.
State: KS
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 have submitted numerous disputes to each credit bureau as well as XXXX XXXX XXXX XXXX regarding a credit card balance. On XX/XX/2023, I sent another dispute with identity theft affidavit and proof to Equifax and each of the other credit bureaus via certified mail return receipt as well as XXXX. Equifax received the affidavit and letter and proof on XX/XX/2023 XXXX signed by an employee at collection at the post office. Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to block the identity theft related account from the credit report permanently. I called and spoke with a representative on XX/XX/2023 regarding the FTC Identity Theft affidavit and their violation of FCRA 605B by refusing to block the account. The representative reviewed the letters and information and indicated that they will not block the account at this time, regardless of the requirement by FCRA to have blocked the account by XX/XX/2023 per the 4-day rule. At this time, the agent hung up on me. Call recorded and recording linked on uploaded document. XXXX received the FTC affidavit and information on XX/XX/2023 and the account is required to be blocked within 4 business days, which is XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting 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 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: Experian Information Solutions Inc.
State: RI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to formally file a complaint against Experian regarding inaccuracies in my credit report, as per the Fair Credit Reporting Act ( FCRA ) guidelines. On XX/XX/XXXX, I contacted Experian to address the following incorrect information on my credit report. To date, they have not responded. The following are the details of the inaccurate information and the required corrections : The account with the following details was never late : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} Inaccurate Information : Please correct this inaccurate information on my credit report. 

The following account does not belong to me : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} Inaccurate Information : Please remove it 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 explanation