BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: NC
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:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Resurgent Capital Services L.P.
State: GA
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 was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: GA
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2022-11-12
Company: Experian Information Solutions Inc.
State: MD
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 Co 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 an account without my written instructions.

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 2022-11-07
Company: SYNCHRONY FINANCIAL
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I applied for and was granted credit for Sam 's Club, Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. www.synchrony.com The complaint is two-fold Synchrony Bank continues to deny access to credit account to manage payments or verify balances. I have chatted online, called, and emailed on countless occasions with =out resolution, I can not log into my account it only allows me to pay as a visitor and shows balance due only. Annual Sam 's Club dues payment in the amount of {$110.00} was taken from my account without authorization, I had another card on file and authorized, specifically removed because I can not access account. 

Recent communication by me : Why can't I access and manage my account and have to sign in as a visitor, tried multiple times to resolve, called, emailed, chatting. I only get Sorry we cant access your account at this time taking my Sam 's Club annual dues payment without authorization is unacceptable! Please cancel my credit account. 

I have had no response to any of my communication attempts : Most recent email reply " Delivery has failed to these recipients or groups : Synchrony for your SAM 'S CLUB MASTERCARD ( XXXX ) The recipient 's mailbox is full and can't accept messages now. Please try resending your message later or contact the recipient directly. '' I would like to have Consumer Financial Protection Bureau contact Synchrony Bank and inquire about giving card holders access to their accounts. Furthermore I would like to have Synchrony Bank contact me directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I recently got a cash card to link with my PayPal account. I rarely used the card it was more of my card for a rainy day and so I was depositing money or my friends or family would send money and deposit with my PayPal link. So as I was going to pay a bill the other day I became aware of the amount I should have had wasn't there. So I reported the charges to PayPal who claimed other transactions contradicted the complaints I had. They were a XXXX and XXXX charge on my account and a few pizza charges these are things I wouldn't do I don't eat pizza and I don't have a need to use a hotel on any level.So they denied my dispute and even though I said that if a transaction did occur just because of other transactions doesn't negate that there are other charges unauthorized and as such my monies is protected I called these places and oone hotel XXXX  XXXX said they would correct the charge we spoke on XX/XX/18 and XXXX XXXX hasn't returned calls ive made, phone messages also. I change my PayPal password and added notifications to alert of ANY transactions made thru text or email so as to protect at the point of use instead of way after and to note that I will check my account weekly or byweekly and just more frequently to keep track of all transactions.And to swiftly address instead of being surprised as I was to know I had enough to pay a bill then find out because the unethical motives of others I've become a victim and I now feel vunerable and untrusting of the unown situation or people

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, DPT EDXXXX XXXX Balance : {$0.00} & XXXX XXXX Balance : {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase advertised a World of Hyatt Business Card with a specific promotion : Receive double nights for stays at XXXX completed before XX/XX/2022. 

After receiving credit for several stays, I believed the promotion to be working, but for my last stay of the year, which would have qualified me for XXXX status and bonuses worth thousands ( Globalist Status, 2 suite awards, and one free night at a Category 1-7 hotel ), Chase refused to provide credit for the 5 nights completed according to the advertisement. 

Through the Chase rep and their supervisor, they refused to file a request to correct or investigate, and instead sent me to various benefits departments that had nothing to do with Chase, further they explicitly stated this was a XXXX issue. 

Through several XXXX reps, I was finally able to get them to contact someone at Chase, but Chase continuously referred to the Terms and Conditions as to why I didn't qualify but never provided the XXXX XXXX XXXX after several requests. 

Chase 's reason was because I didn't use the specific card the promotion was signed up through, but upon review of my hotel stay, it was done on points ( which qualifies ) and had no accomodation charge which required a credit card. Further, I had several stays which used points or did not use the XXXX XXXX XXXX XXXX card and were credited the double nights. 

After contacting the hotel to have them change the card on file to the World of Hyatt Business card, Chase continued to cite Terms and Conditions and stated that the payment was after XX/XX/2022, therefore it didn't qualify ( the payment was for incidentals, and had no relation to the accomodation ), which is also misleading as the advertisement stated that it was contingent on the stay being completed before XX/XX/2022, not the payment. 

I believe Chase has created a system where they make benefits resolution impossible for consumers, and encourage them to go through so many hoops to receive the benefits they were advertised to receive, so they give up and are successfully defrauded. I believe this is purposeful, and the use of " Terms and Conditions '' without providing official terms and conditions, is also an act of fraud against consumers. 

Further, if this was XXXX 's responsibility, then they have lied to their consumers as well, and did not work with Chase with sufficient due diligence to advertise the offer correctly, or train their agents on how to resolve benefit issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2015 The Mortgage LOAN attained from XXXX XXXX XXXX was transferred to XXXX XXXX XXXX XXXX. Mortgage LOAN Number XXXX was unlawfully SECURITIZED by XXXX XXXX XXXX XXXX representative ( s ) agent ( s ) contractor ( s ) and is trading on the stock market today with CUSIP Number XXXX Symbol XXXX. 
I have sent certified letters and Affidavits of Fact and the response I received was inadequate. I requested XXXX XXXX XXXX Compliance to answer the following two questions : Was a Trust formed at the inception of this LOAN? 
Is the Trust being utilized today? These two questions were NEVER answered. Ms. XXXX NEVER responded regarding SECURITIZATION of the LOAN that was generated by my signature and thereafter used to fraudulently construct surety instruments for Profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, INC.
State: NJ
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 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 XXXXXXXXhas 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 2023-07-07
Company: Mid-Atlantic Finance Co., Inc.
State: OH
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:
My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX My social security number is XXXX I had fraudulent activities on my credit report due to an old roommate I disputed the claim they approved the claim but the discrepancy is still on my credit report also I had a car payment discrepancy where they sent the money back and it was not my fault it was due to the financing company switching payment methods I also disputed that and it was also approved because the vehicle was paid off with the next payment but it's still on my credit report also I'm trying to clear all this up so I can get a loan for a house My information has been used fraudulently a few times through the years and I'm just now learning about a lot of it and trying to clear it up I would definitely would appreciate some help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I had fraudulent activity on my XXXX  XXXX XXXX checking account that had a variety of auto-pay debits coming from in, including my auto loan with Wells Fargo bank XXXX I updated the banking instructions on XX/XX/2022 for them to debit my new checking account. They can see that the banking instructions were added to the system, but they still debited my old account in XXXX and XXXX. When I noticed they debited the incorrect account in XXXX, I logged in and made a triple payment : XXXX 's payment, XXXX 's payment as well as XXXX 's. At the time, I called Wells Fargo and explained to them what had happened. I was told that no 30 day late would be reported. However, in late XXXX, I did notice a late payment was reported. I contacted Wells Fargo again and was told they would correct it, but it could take up to 30 days. I have been working with them since then and have recently been told that it late will not be removed, despite their prior reassurances. I have since paid the loan off in full and this is negatively impacting my credit through no fault of my own. It appears some technical issue occurred where the new banking instructions were added, but not debited. I have never had a late payment and I was simply trying to get the updated information into their system because I was a victim of 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 2019-12-30
Company: Experian Information Solutions Inc.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$230.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$230.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-06
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt was reported through credit bureaus as not belonging to me. Credit bureaus did an investigation, and the debt was validated that it was definitely not my debt. The company is now reaching out to me to fill out a fraud packet with through their company. They are not the original company with the debt. I have already completed a fraud alert through my own credit monitoring company. They are sending a fraud packet to address the identity theft claim regarding the account that has already been addressed. This is not my account. Why are they harassing and accusing me again. This is not fair. What the purpose of going through the credit bureau if I am going to have to keep revisiting this over and over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-13
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:
After reviewing my credit report. I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent and violated my rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : US DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$530.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  AMOUNT : {$14000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2021

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 2023-08-13
Company: EQUIFAX, INC.
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:
Again, this mortgage company has marked payments as missed payments when they have received the payments. 
Payments for XXXX, XXXX, XXXX, & XXXX were ALL made on time and they reported them as missing payments causing my credit score to plummet. 
This is false information and is highly unethical of this company.

Company response to consumer: Closed with non-monetary relief