BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have received at least three ( 3 ) automated phone calls per day for the last three or four ( 3 or 4 ) days  while I'm at work from Synchrony Bank [ phone number XXXX ] acting on behalf of Care Credit.  They claim that I owe {$2400.00} for XXXX performed by XXXX XXXX XXXX XXXX. They further allege that I am delinquent on that account. The irony is, I've never had any XXXX or other dealings with XXXX XXXX XXXX XXXX. Then they stated it was for my wife 's XXXX. She has had two ( 2 ) XXXX with them. However, I have a copy of her most recent statement that shows a balance of {$760.00}. I contacted them earlier this evening and spoke with a foreigner who repeatedly tried to get me to admit to the debt and to make an online payment. I repeatedly stated that I would have to speak with my wife first. He persisted until I finally told him I didn't care what he put into his system, just stop calling me. I should mention that I am a XXXX with good credit. Their phone calls are not only irritating, but disruptive to my XXXX XXXX. 

When my wife came home she told me that she has contacted Care Credit several times and nobody can tell her why she owe this extra {$2400.00}. Subsequently I contacted Synchrony again this evening and was told by them that they were not contacting me about my wife 's account, but about an account in my name for XXXX performed on me. Let me reiterate, I have never had any XXXX period. I've never even been to XXXX XXXX XXXX XXXX office. Synchrony tried to deflect the blame back to me when I questioned them about the account in my name and asked them to tell me when I had these supposed XXXX. I also stated that I had never received any bills for this account. They told me they didn't have that information. At that point I demanded to speak with a supervisor and an AMERICAN. They transferred me to their fraud department where I spoke with a snotty woman who did not identify herself. 
She made me repeat everything I had already said and kept interrupting me. She finally admitted that this account was fraudulent and obviously not mine. I demanded that they stop calling me and very explicitly said I would fine a complaint and I would seek legal action if any of this showed up on my credit report. She made vague statements to the effect that I had a right to complain and I could sue anyone ( as a veteran I take offense when a foreign national tells me what my rights as an American citizen are ). Despite repeated statements on my part, she would not say that this wouldn't show up on 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 non-monetary relief
Consumer complaint received 2023-10-16
Company: LoanCare, LLC
State: CA
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:
Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history.Update the account/s below : LOANCARE 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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that 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. 


XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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 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 2023-02-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act XXXX. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
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 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 2022-04-20
Company: EQUIFAX, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Municipal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-02-26
Company: Experian Information Solutions 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:
I tried to get a loan from my bank and got denied. I looked at my credit and saw things on there that is not mine. Bankruptcy XXXX-DSP-XX/XX/XXXX-VER-XX/XX/XXXX, XXXX  XXXX XXXX XXXX . I have contacted local police and the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: EQUIFAX, INC.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Experian Information Solutions Inc.
State: MA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have a membership with XXXX i corrected with XXXX when i noticed they had wrong information on my credit report they have XXXX XXXX XXXX on there which iam not my middle name is XXXX or maiden name XXXX please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
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: Their investigation did not fix an error on your report

Complaint:
I disputed a bankruptcy that is being reported on my Experian report dated XX/XX/XXXX. I sent the bankruptcy court a letter on XX/XX/XXXX to verify and confirm that this was accurately reported by the bankruptcy court to the credit bureau. Their response was in bold red letters that " the bankruptcy courts do not provide information to the credit reporting agencies ''. thus making this an innacurate reporting of information since it shows the source is the US bankruptcy Court and contains all of their information. I then sent the Credit bureau the copy of the letter on XX/XX/XXXX at XXXX XXXX the court clerk sent me along with a letter asking them to please remove the in-correct items from my credit report. They reopened an investigation and completed it today XX/XX/XXXX and still have not removed this inaccurate information off of 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
Consumer complaint received 2023-07-29
Company: Experian Information Solutions Inc.
State: NC
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX my grandmother and i financed a XXXX XXXX XXXX with XXXX XXXX for {$11000.00}. I paid {$3700.00} to XXXX XXXX before my car was repossessed in XXXX of XXXX. After repossession the car was sold at auction for {$7500.00} covering close to all of the {$8800.00} that was left on my loan. I then received a letter from XXXX XXXX stating they would like to settle for less than the rest of the balance that was owed. After paying the amount to settle i was told to wait XXXX business days in which the same thing still reflected on our credit scores. Between XXXX of XXXX and XX/XX/XXXX i was told on numerous occasions to wait XXXX business days and i should see a change. It was once taken off completely then placed back with a even higher amount. I have continued to reach out and they tell me someone will call me back and no one ever does. I have everything in written documentation from XXXX and the creditor they sold my account to.

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 2023-01-26
Company: Experian Information Solutions 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: 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  Account name : XXXX XXXXXXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account name : XXXX XXXX, has violated my rights . 

15 U.S.C 1681 section 602 A. States 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Municipal XXXX XXXX XXXX # XXXX, XXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-20
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Paypal permanently limited my account for 180days for no reason, XXXX XXXX an everytime i cobtact its automated. i just want my funds. its been well over 180 days. an there is no issue with my account everything is accounted for in my account. they never sent me the email, after the 180 days so could withdraw my funds. i just keep getting the run around. a also XXXX XXXX paypal XXXX XXXX to themselves from my account. first off no one in he world knows how to send money directly to paypal. i attached all documents, please help me an my family move pass this stump in the road. XXXX paypal email.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
Fraudulent Charges to XXXX XXXX XXXX Online XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX ( was XXXX but XXXX was used for free shipping out of my plus membership ) XX/XX/20 Called Bank of America ( BOA ) notified of fraudulent charges. Investigation initiated.

I called BOA due to 3 charges on my account through XXXX 'XXXX  XXXX online totaling {$1400.00}. Two of the charges had gone through and one was still processing. At that time, I notified BOA those were not my charges and I have never ordered anything online though XXXX XXXX XXXX. I was provided the guarantee that a decision would be made within 10 days pending investigation of the charges. No monies were credited back to my account. Less than 24 hours later I received notice from BOA that I was responsible for the charges because I have a history with in-store XXXX XXXX XXXX purchases. After calls to BOA I was put off constantly and no one would transfer me to the fraud department stating a decision had been made and I had to write a letter and send in a police report to even have it considered to be reopened or escalated and that was still not a guarantee they would reopen. Through this, XXXX, responsible for delivering the said merchandise to my home, notified me that the culprits had redirected delivery with Fraudulent call tags and the merchandise was now out of XXXX  hands. XXXX Fraud Team, who has been in contact with me at least twice daily, informed me of a XXXX XXXX XXXX   breach and over 300 packages have been reported as fraudulent purchases. 
Still nothing from BOA other than an email stating that I am responsible for the charges.

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 2023-06-22
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CH-XXXX on eq XXXX Bk Chapter XXXX XX/XX/XXXX XXXX Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX  XX/XX/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