BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I contacted Synchrony to place a dispute for a charge on my Amazon Store card issued by Synchrony because I had received a counterfeit item, not the item I ordered as advertised on Amazon. The total charge was for {$110.00}. Specifically, I ordered a headset advertised as XXXX XXXX XXXX. XXXX was also mentioned in the ad. XXXX XXXX XXXX are trademarks of XXXX, XXXX is an XXXX headset model. The headset I received was a cheap counterfeit. Nowhere on the box did it say XXXX, XXXX or XXXX. What the box did say was " XXXX line design of advanced XXXX. '' Inside the box was a cheap counterfeit headset and a note saying that if I left them ( the seller ) a good review on Amazon, I could have the headset for free. All I had to do was send them a copy of the review! I contacted Amazon about the counterfeit sale several times. The seller was removed from Amazon, but I see he is selling the same item now under a different seller name. Amazon said they would issue a refund to me, and that I didn't need to return the item, as the seller was requesting I pay to return it. But Amazon never did actually issue a refund. So I decided to resolve the credit card company, Synchrony because it's my understanding credit card purchases are protected from fraud. Synchrony denied my dispute because the Amazon seller provided proof that I had received the item they shipped to me. I did receive the item. However, Synchrony didn't require any proof that the Amazon seller sent me what I ordered, which was the problem at hand. The seller also denied that I had contacted them about a return. I did contact them, and so did Amazon. But the seller wouldn't send a prepaid shipping label. I don't believe I should have to pay to return a counterfeit item. It is my belief that the seller, Amazon, and Synchrony are committing fraud against Amazon customers. Since Amazon and Synchrony are in bed together, innocent buyers are no longer protected. I'm a woman, and a senior citizen on an extremely low fixed income. I would appreciate it if someone did the right thing here, and refunded my money for this counterfeit headset. A photo of the headset received and my Amazon invoice are attached. Thank you.

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 2022-07-07
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:
After reviewing my Credit Reports on XX/XX/2022 ; I noticed for the second time deficiencies of reporting and inaccurate information on my credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) and lawful compliant reporting standards ( see attached notice ). Please report ONLY my legal First and last NAME. I request you remove REMOVE previous address listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; I do not live here nor have I ever resided at this address ( See attached Federal Trade Commission Complaint Report ) Additionally I respectfully request a proper investigation of XXXX  ACCT # XXXX on XXXX Credit Report, XXXX Acct # XXXX " XXXX 30 days LATE ''/ I AM NEVER LATE!!! And all mentioned Inquires enclosed on Identity theft report. Im concerned my personal information may have been breached in Equifax data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
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 work as a XXXX in The State of XXXX. I am required to keep my security clearance. During a security check it was revealed that cases had been created without my knowledge or consent. One case was with Capital One. I have a good relationship with the now, but an account was opened without my consent on XX/XX/2015. That account was not mine and was charged off. It has been placed with agencies, taking away my security clearance. Please have this item removed as it will cost me my job. 

The Account ended in XXXX XXXXXXXX The account is reported as Past due {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: National Credit Systems,Inc.
State: WA
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 was released from this lease agreement and my roommate XXXX XXXX was responsible for anything that occurred after I was removed. Please contact XXXX XXXX to verify info and see roommate release form that i signed releasing me of any liability related to this rental account/agreement. I even called the property this week to verify and they said it should not show up as my responsibility or account because I was released beforehand and that once I disputed it you would call them and they would verify that it isn't mine. Which means you did not reach out to them to verify accuracy and are negligently furnishing incorrect data to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I lease a lexxus I believe 2014, about 9 years ago. At the time I right before I return the car. I spoke with a repesentative ( a Few ) which they all gave me different quotes on what was due. First person I spoke to told me didn't owe anything on the lease. So I thought I was done. for a total of year or two it went from not owing the company from XXXX XXXX XXXX. I was frustrated with all the different customer service and no one putting notes in.. Until one person finding the true amount. When I did agree to pay that amount they two came with this crazy amount. Now I am receiving calls and letters from debt collectors. I will not pay a fee that I know I don't owe. I'm am very dissatisfied with this company. Please be careful when it comes to leasing from XXXX. You have to pay extra fees, taxes that they are liable for, but at the end of your lease you will be charge outrageous cleaning fees,. I will never lease nor buy from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
For approximately the last 3-5 years I have been repeatedly forced by all 3 credit bureaus to continuously file disputes against the same unauthorized XXXX account that was created fraudulently without my knowledge or permission. 
The unauthorized account has been removed multiple times and keeps being re-added to my personal credit causing my score to decrease rapidly literally Ill reach XXXX & boom now I have to repeat the same dispute they just keep switching companies and then attempt to place it back on my credit report. This is a problem and I am fed up with this situation. I dont even trust them anymore my credit stays on freeze but somehow they still manage to damage my credit score and reputation. I believe my rights are being violated and my credit score has failed to be protected from fraudulent claims by the credit bureau the same accounts that were disputed and deleted multiple times should have been enough of a red flag for the credit bureau to take notice and take action against them but instead they are working together and its obvious via illegal actions being taken/made against me. 
This screams harassment and outright obstruction my next step is civil suit for damages caused by this unfairness created by this scam being ran on my credit report no wet ink documents were found nor will be as I have already explained that there was accounts made fraudulent after losing my wallet and having vehicles broken into all necessary information was provided on my end

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

XXXX/XXXX XXXX XXXX Inquiry : XX/XX/2020 XXXX XXXX Credit Inquiry from XX/XX/2020 XXXX XXXX, XXXX. 
Inquiry from XX/XX/2020 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 2020-12-14
Company: Shellpoint Partners, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being charged for insurance that I have and have submitted documentation which they told m they received and are charging me late fees for not paying for insurance they purchased for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: Resurgent Capital Services L.P.
State: FL
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:
My Social was compromised about 14 years ago to this date I still monitor for suspicious activities, I recently started going for a Home and Noticed several things inaccurate reporting I asked the collectors and pertaining agencies to verify and validate this accounts with contracts signature and other methods, XXXX one of the mayor reporting agencies also failed to provide such methods, resurgent was given 30 days to provide such validation and failed to do so, 60 days later called and asked for my address in order to mail some pointless paperwork asking me for fraud reporting, in addition XXXX another creditor emailed me as accounted deleted but XXXX refuse to accept my email with horrible business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: Jana Ferrell & Associates LLC
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My name is XXXX XXXX XXXX, SS # XXXX. I have a problem that I am learning how to take care of by contacting you. When I was XX/XX/XXXX years old I had a car wrongly repossessed. I made my payments in cash in the drop box of XXXX XXXX XXXX XXXX because my work hours. It never occurred to me at that time that someone could take my money and not apply it to my account. I didn't even know it was going on, until they came to repossess my XXXX XXXX pick up truck. I did not know what to do at the time or how to seek help. Now I am married and have a child and am trying to prepare myself to purchase my first home. I just learned that this was on my credit report and that I need to figure out what to do. I am hoping that either XXXX XXXX XXXX XXXX has some kind of record of this or the employee that may have taken the money, OR that if it was mis applied and possibly of record some where in holding and maybe because I paid cash I may not have properly supplied the correct info to apply it properly. Can you help me? I don't know where to begin. Because it was always cash I have no proof other than providing you a detailed explanation and hope that they have some kind of record even if its a fired employ during that time period. I don't remember my account open date, but the collection account took the account in XX/XX/XXXX for the amt of XXXX. Mine and my wife phone number XXXX ( more info collection company name is XXXX XXXX. The original loan was with XXXX XXXX XXXX XXXX in XXXX, Oklahoma. Let me know if you need something else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: KEYCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I was scammed out of {$6000.00} by an individual posing as a key bank employee. I had to have the account frozen due to the compromise and opened on a new account on XX/XX/2023. I questioned several times about how outstanding transactions such as direct deposits checks or anything associated with the old account. I was assured that the account would be frozen but would remain open so that if this did occur they would basically intercept the transactions verify the validity and push said transactions thru to the new account. That didnt happen I was penalized for {$50.00} on a card that was attached to my bank account so th amount was declined and the penalty {$50.00}. I also had a landscaper have my check declined for {$150.00}. On XX/XX/XXXX, I received a letter from the bank advising me that due to fraudulent activity on the account they were closing the account on XX/XX/2023 the same day I reviewed the letter. It also stated that I should reach update any direct deposits asap. I receive my social security thru direct deposit and had already contacted them to update my account info for my direct deposit. Now today I am received a notice from social security verify that I had updated the information but also to advise that I should keep the account that keybank closed without my knowledge or at least in a timely fashion. This is causing further financial distress because social security has advised it may take 1-2 months to change were they send payment. Key bank has not taken any responsibility or accountability for their contributions to causing me further harm financially and mentally

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-13
Company: Collection Bureau of America Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im really worried that COLLECTION BUREAU OF AMERICA is reporting inaccurate information on my credit report. Pursuant to the Fair Debt Collection Practices Act 15 USC 1692, I XXXX XXXX XXXX have the right to privacy. COLLECTION BUREAU OF AMERICA has committed infringement upon my consumers right to privacy. 

I, XXXX XXXX XXXX never granted consent to COLLECTION BUREAU OF AMERICA to contact me. COLLECTION BUREAU OF AMERICA has/ or purchased my private information without my consent. I never contracted with COLLECTION BUREAU OF AMERICA. 
COLLECTION BUREAU OF AMERICA is violating my rights. I understand that you must have procedures in place to respond to questions about credit reporting. 

Pursuant to the Fair Debt Collections Privacy Act ( 15 USC 1692 ( g ) and REGULATION F ( 12 CFR 1006.34 ( a ) ( b ) ( c ). I am invoking my right and demand COLLECTION BUREAU OF AMERICA to VALIDATE this alleged debt. 

PLEASE BE ADVISED THAT I AM REQUESTING VALIDATION, NOT VERIFICATION OF ALLEGED DEBT. 

If your office fails to respond to this validation request within 30 days, all references from this account must be deleted and completely removed from your credit file, and all consumer reports. 

At this time I also asked for COLLECTION BUREAU OF AMERICA to Cease and desist any and all communication with me pursuant to 15 USC 1692 ( c ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 was just looking over my credit report and found some inaccuracies that I am demanding you correct. This account is paid in full and the creditor agreed to delete the 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 explanation
Consumer complaint received 2020-08-10
Company: ROBINHOOD MARKETS INC.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Confusing or misleading advertising or marketing

Complaint:
I am trying to tread with my stocks and i can't do so with you all not being able to let my acoount connect toit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: Experian Information Solutions 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:
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 XXXX XXXX XXXX. 

XXXX 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, XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX ( ORIGINAL CREATOR : 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 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 2023-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Amongst the three credit bureaus my personal information is reporting inaccurately which violates my consumer rights per the following information : Firstly, there are differences in the name of the account holder across the three credit bureaus. XXXX lists the name as " XXXX XXXX XXXX, '' while XXXX and Equifax both list the name as " XXXX XXXX XXXX. '' This discrepancy in the spelling of the middle name could potentially cause confusion and lead to errors in the reporting of the credit history. 

Secondly, there are discrepancies in the current and previous addresses listed by the different credit bureaus. XXXX lists the current address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while XXXX lists the same address but without the " XXXX '' in XXXX XXXX name. Equifax lists the address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX. '' Similarly, the previous address listed by XXXX is " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while Equifax lists the same address but without the zip code extension. These inconsistencies in the formatting of the address could lead to confusion and potentially impact the accuracy of the credit report. 

Finally, there are differences in the employers listed by the different credit bureaus. XXXX lists " NOT PROVIDED '' as an employer, while XXXX and Equifax do not. This discrepancy could raise questions about the accuracy and completeness of the credit report. 

These inconsistencies may violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of the credit reports they produce. Specifically, Section 607 of the FCRA requires that credit bureaus " follow reasonable procedures to assure maximum possible accuracy of the information '' in credit reports. Additionally, Section XXXX of the FCRA requires credit bureaus to provide a free copy of the credit report to consumers once every 12 months, so that they can review the information and report any errors or discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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