BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-17
Company: Experian Information Solutions Inc.
State: TX
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:
Account name XXXX XXXX XXXX Account type Auto Loan Date opened XX/XX/2022 Original balance {$52000.00} To express my deep concern and frustration regarding the continued presence of a fraudulent & inaccurate information on my credit consumer report. These accounts were made without my consent or authorization and has caused significant harm to my financial reputation. Despite my persistent efforts to rectify the situation, including MULTIPLE disputes, filing a police report, and submitting an identity theft report, the fraudulent charges has not been removed from my consumer 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 2021-09-29
Company: EQUIFAX, 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:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX BANK-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXXBalance : $ XXXX-Date Opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX-Balance : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) -Balance : $ XXXX-Date Opened : XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved for a CareCredit card with Synchrony Bank in XX/XX/XXXX in order to use solely for veterinary services. I was approved for {$5000.00} for the card with a co-applicant, based on credit " worthiness ''. I was then riddled with fraud on my main bank account and had to open a new account with my bank. This account was still linked to my CareCredit/Synchrony Bank account, and I did not receive any notifications regarding late payments or upcoming payments. I assumed that it would be taken out of my account directly as it had been in the past. 

However, I was not notified and when I realized that I had to make my payment, I logged into my account and to my surprise the account had been closed without any warning whatsoever. They sent a letter on XX/XX/XXXX which is 8 days past the due date for minimum payment ( first of every month ). The letter that was sent the same day they closed my account listed the reason for the decision to close the account was due to the " Number of dishonored payments on this account ''. I had one dishonored payment, less than 8 days past the due date without receiving any notifications, calls, emails to remind me or make me aware of the issue. If they had done that, I would have realized that I needed to reconnect my new bank account and all would have been fine. 

Now my credit score has gone down 100 points and will affect every aspect of my financial wellness. What happened to me is deplorable and inexcusable due to the treatment by customer service agents when I attempted to fix the issue immediately after I saw the closed account and the fact they closed my account while only notifying once of a late payment.

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 2023-01-18
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 XXXX Account # 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

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 2021-03-17
Company: KEYCORP
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
over the past year i have been a customer of XXXX.It seemed as if someone was in my account because I would be charged for things and then two days later I was being told that payments need to be revised so i would have to pay again.when I added my key XXXX bank card it has become worse.key XXXX is removing transactions off of my account such as refunds and processed payments of which I have proof of.In XXXX or 2021 there was a transaction with XXXX that required a refund which key XXXX bank completely removed any evidence of this transaction but I do have a letter from XXXX about this transaction.then on XX/XX/2021 I was charged {$120.00} by XXXX for something I already paid for that has been shipped out on XX/XX/2021 because it was paid for on XXXX system isnt showing that I was charged on XX/XX/2021 but my bank statement says so which is leading me to mu assumptions that XXXX someone professional at XXXX is working with key XXXX bank to commit fraud.they are charging me more than once for items i paid for and removing the payment and pushing the payment time up to justify the extra monety being taken sand it has been happening for over six months.I have reached out and then the next month more issues and I really feel like someone is personally targeting me.this is unaceptable because it is stealing and it is government funds they are stealing.XXXX cant seem to get to the bottom of it but this can not continue..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$54000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$160000.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX CARD XXXX XXXX Balance : {$32000.00}, XXXX XXXX XXXX XXXX Balance : {$20000.00}, XXXX XXXX Date XXXX Balance : $ XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$10000.00}

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 2022-06-10
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Navient Solutions has continuously tried to collect a Private Loan in the amount of {$26000.00} that was XXXX in Chapter XXXX Bankruptcy court On XX/XX/2018. 
They continue to report this to credit bureau as delinquent. 
They have this debt listed under XXXX different account numbers on my credit report. 
I have contacted via telephone numerous of times to let them know and was told to upload the document via the website. 
In addition, they are calling me and my family members 7 days a week, once every hour from XXXX to XXXX EST time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: EQUIFAX, INC.
State: NY
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
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:
Complaint Regarding Unrecognized Account and Identity Theft To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau to report a concerning issue on my credit report related to unrecognized accounts and Inquiries. Additionally, I have reason to believe that these accounts and Inquiries may be the result of identity theft. I have attached the supporting document outlining my identity theft claim for your reference. 

The unauthorized accounts and Inquiries listed on my credit report, which I believe to be a consequence of identity theft, are as follows : 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 I have taken immediate action by reporting the identity theft to the relevant authorities. However, it is alarming to find these unauthorized ACCOUNT on my credit report, as they suggest potential fraudulent activity that may adversely affect my financial well-being.

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into these unrecognized account. I urge you to consider the impact of these account on my creditworthiness and overall financial standing. I trust that the CFPB will exercise its authority to ensure that my consumer rights are protected under the Fair Credit Reporting Act ( FCRA ) and take appropriate measures to rectify this matter promptly. 

I kindly request that you provide a written response acknowledging receipt of this complaint and detailing the steps that will be taken to investigate and resolve the issue. I kindly ask to be kept informed of the progress and outcomes of the investigation within a reasonable timeframe. 

Thank you for your attention to this matter and for your assistance in resolving this issue. I trust that the Consumer Financial Protection Bureau will act diligently and with utmost care to address this complaint.

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 2021-03-17
Company: Associated Credit Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Thursday XX/XX/XXXX I picked up the phone when a representative from this company called me. She refused to answer even basic questions I had about what the debt or call was in regards to, was extremely rude, insulted me ( " good luck with getting out of debt '' ) and would not respond to my request to have something sent to me in writing per the FDCPA about what the debt was in regards too -- I had never received anything for the amount she was calling about and had no record of what the debt was about. 

Since then, I have been getting called three to four times a day from the number and when I answer the person on the other end hangs up on me. I have also received calls before XXXX ( XX/XX/2021 ). To me, this feels like very clear retaliation for questioning a combative and rude stranger who was attempting to get personal information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I attach with this complaint a prior summary submitted to CFPB concerning the fraudulent withdrawal of ~ {$91000.00} from 2 JP Morgan Chase bank accounts that belong to my mother, XXXX XXXX. I am a joint tenant on these accounts, and I am communicating on behalf of my mother. 

JP Morgan Chase claimed that the responsibility for safe-guarding this account was ours, because we were not aware of the sequential withdrawals from the first of the two defrauded accounts from mid-XXXX XXXX until XX/XX/XXXX. JP Morgan Chase stated they provided my then XXXXXXXX XXXX mother with monthly electronic statements, so the responsibility was hers, except for the first 60 days of the fraudulent withdrawals. We repeatedly told JP Morgan Chase that my XXXX XXXX XXXX mother did not agree to get her statements electronically. 

I have recently been preparing to work with social media and press consumer watchdogs to mount a campaign against a legal system that shields banks and harms consumers in the event of electronic bank fraud. 

I found two new pieces of evidence which I believe places the responsibility for safe-guarding the account with Chase.

1. With this report I am also attaching a signed request for PAPER, NOT ELECTRONIC, STATEMENTS. Although this was for a different account than the two that were defrauded, it does demonstrate what our directives and preferences were. Im certain that if JP Morgan Chase searched their records, an identical directive would be found for the two defrauded accounts. 

2. In addition, since my last communication, XXXX, CA police arrested the perpetrator of this bank fraud, who I have been told, pleaded guilty. The case number with the XXXX, CA Police Department is XXXX. If you have questions or want more details about the arrest you can reach XXXX XXXX at ( XXXX ) XXXX. 
Taken together, Chase failed to provide paper statements, further failed to protect the accounts from fraudulent withdrawals, failed to restore the defrauded funds, and refused to work with my family to reach out to the vendors who received the stolen money so that we could receive full compensation. 

SHAME ON YOU. 

Hopefully, with these new facts, JP Morgan Chase will restore the roughly {$76000.00} in defrauded funds that it failed to protect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-10-06
Company: Experian Information Solutions Inc.
State: LA
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:
Im the victim of Identity Theft an unknown hacker compromised my information and have incurred auto loans mortgage loans and lines of credit Ive sent in supporting documents for the last 6 years and the items still remain I Donot live in Texas my name is not XXXX XXXX XXXX My address is not XXXX XXXX  XXXX XXXX XXXX Texas

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 2023-01-14
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:
Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to Section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]. 

Thank you ... ... .....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: LEXISNEXIS
State: NV
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:
These companies are selling buying and reporting my information with consent which is violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Experian Information Solutions Inc.
State: LA
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 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