BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
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:
On XX/XX/XXXXat XXXXXXXX XXXX, the Amazon delivery person arrived at my house to deliver the order XXXX. When he handed it to me, the box is damaged and the driver made some weird comment about the product I purchased. I didn't pay attention to it but receiving the damaged box because I was on an online meeting. When I opened the box around 5 minutes later, it's an total empty box full with brown papers. 
I contacted Amazon customer service right away, the next day, XX/XX/XXXX, I received an email from Amazon 's team saying that the package showed delivered, so the only way for me to start the process of getting refunds is to provide a completed police report. Amazon never provide more details but make the assumption base on what shows on the tracking, despite I received an empty box. 

I contacted Synchrony, Amazon store card issuer, on XX/XX/XXXX when the transaction posted on my account. I received an letter from the bank on XX/XX/XXXX stating during the reviewing process, a temp credit will be providing. However, I've contacted Synchrony five times since, and they all confirmed that the dispute is under reviewing but the temp credit has not in my account for some reasons they couldn't answers. 

I've provided every evidence including official police report ( XXXX ), as well as all email communications Amazon and I had in which Amazon stated that the refund will issues once I provided official police report, which I did on XX/XX/XXXX. 

The order details : AMAZON XXXX XXXXXXXX XXXX  XXXX EQUAL MONTHLY PAYMENTS 0 % XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHIPPING AND TAX XX/XX/2023 {$4200.00}

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 monetary relief
Consumer complaint received 2023-01-12
Company: Experian Information Solutions Inc.
State: OH
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 reporting act the list of the accounts below have 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 XXXX  have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2022-02-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a Debt Collection Company called : I.C. System, Inc XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX, who works on behalf of XXXX. They claim I owe {$1100.00} for equipment that I have already returned to XXXX XXXX XXXX. I was a short term customer of XXXX XXXX XXXX years ago but had numerous problems with there service. I cancelled service and gave the equipment back to there service technician. Years later I find a collection on all my credit reports for this equipment. I have spoken with XXXX XXXX XXXX on many occasions and explained the problem. They told me they no longer even use that equipment in there service but I have to deal with IC System Inc. I have Disputed this debt with XXXX XXXX XXXX, IC SYSTEMS. I DO NOT HAVE THIS EQUIPMENT, IT WAS RETURNED, I DO NOT OWE THIS DEBT! IC System Inc. Is negatively reporting on my credit reports and has even recently started the debt over again. I Want these people held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have XXXX inquiries I did not consent BMO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Experian Information Solutions Inc.
State: VA
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:
In XX/XX/2021, I noticed XXXX XXXX was reflecting on my credit report negatively. I sent a letter to the bureau in XXXX XXXX, disputing this inaccurate information. The account is paid in full and was paid in good standings. The account is reflecting a chargeoff status which is inaccurate, not true.

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 2023-11-24
Company: EQUIFAX, INC.
State: FL
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:
When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these ACCOUNTS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting ACCOUNTS as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 explanation
Consumer complaint received 2023-05-19
Company: EQUIFAX, INC.
State: NV
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 an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXXXX/XX/XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XX/XX/XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XX/XX/XXXX XXXX cant provide to my XXXX XX/XX/XXXX daughter PLEASE HELP ME PLEASE im XX/XX/XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Regarding to my original complaint about the fraudulent withdrawal of {$15000.00} that was supposed to be a deposit of {$17000.00} from my account. I would like to express my disappointment with the resolution provided. 

I want to bring to your attention that in my initial complaint, I mentioned a deposit of {$17000.00} which I have evidence of, including video documentation. However, your response does not acknowledge this deposit or provide any explanation regarding its absence. This is concerning as it contributes to the discrepancy in my account balance. 

Additionally, when I requested a copy of the withdrawal slip, the document I received appeared to be altered and lacked crucial information. The absence of my complete name, the inconsistency in handwriting and signature, and the lack of location details for the transaction raise doubts about the authenticity of the withdrawal. I believe it is imperative for you to thoroughly investigate these discrepancies to determine the credibility of the transaction. 

Furthermore, my bank statement only displays the date of the fraudulent withdrawal without indicating the location of the transaction. This lack of information makes it difficult for me to verify the validity of the withdrawal. Additionally, the missing {$17000.00} deposit should be reflected on my statement, as it directly impacts the overall balance discrepancy. Youve attempted to use against me in your response.. 

It is distressing to note that despite reporting these unauthorized withdrawals and fraudulent charges, I have not received any reimbursement or refund for my missing funds. As a customer, I expected Wells Fargo to take this matter seriously and ensure that I am properly compensated for the financial losses I have incurred. With the unauthorized withdrawal of {$15000.00} that was supposed to be a deposit of XXXX which makes a total of {$32000.00} that is due to me.

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 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there 2 late payment on Account I understand that according to the federal law 15 U.S. code 1666b ( a ), a creditor may not treat a credit card account under an open end consumer credit plan as late for any purpose. In response 15 usc 1681 a ( 2 ) ( b ) permissible purposese on consumer reports. In accordance with the written instructions of the consumer to whom it relates Please remove this creditor has violated my rights.

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 2023-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraudulent Account and Inquiry appeared on my Credit Report. From : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023, I logged into my Equifax credit report and notice they still have my pay history incorrect with XXXX XXXX. They keep showing for the month of XXXX I was late, however in the remarks section it shows I'm current. I was not late for my XXXX, XXXX, or XXXX payments. The XXXX payment was made with a Cashier Check, the XXXX payment was made with a direct deduction from my XXXX XXXX  Account ( 20 days before the payment was actually due ), and the XXXX payment was made with a direct deduction from my XXXX XXXX XXXX XXXX account ( XXXX  days before the scheduled payment was due ). All these payments have been made on time and the money has been successfully deducted from all my accounts. These petty mistakes and mishandling of my credit report is not only causing me problems with my credit score, but also affecting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On my credit report, it shows that an American Express card was opened under my name and with my social security #. I have spoken to AMEX several times and also had an XXXX report done and was told this issue was confirmed as identity theft and that the cause would be resolved. Please help me remove this from my credit report immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-13
Company: Rent Recovery Solutions
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I moved out of an apartment complex because O was almost attacked by 2 pitbulls, there were a lot of shootings and always someone sitting on my car. I didnt feel safe there, I sent the office an email stating I was moving and why. At first I was ignored so I sent another one again and she said I didnt give proper notice and I will be charged a move out fee if she decides. At the time they had people that were supposed to be remolding the apartment but actually tore it up. I sent them an email of all the damages and told them not to charge me because I didnt damage anything. Fast forward they deleted me off the residence portal and sent me to collections in which they called me. I asked the lady for a breakdown of charges and she said she will have to contact them to send it to me. I told her not to call me again but instead they started sending me emails. I got the breakdown for what I was being billed for and they did charge me for the damage they did while trying to remodel it, I ask them to remove the charges I went ignored again. Another collection agency got the debt and just put it on me and my daughters credit report with no letter or explanation. I just got an alert from the credit bureau one morning stating that my credit dropped. Me and my daughter take our credit serious and will be taking legal action against the collection agency for violating our consumer rights. The amount they are reporting is also not correct so we want it deleted for that and damages they have caused us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: MO
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:
According to 15 USC 161a2 these companies XXXX XXXX  XXXX {$590.00} XXXXXXXX XXXX XXXX  XXXX {$8100.00} XXXX XXXX XXXX XXXX. No name is even provided for this company acc # XXXX XXXX these companies are in violation of my rights pursuant to 18 USC 8 , I owe no debt these companies are in violation of my consumer rights to privacy pursuant 15 USC 1681 b 2, company 's also has no permission to report anything using my information pursuant to 15 USC 1681 4. I did not give written nor verbal permission to have these accounts furnished on my credit report as also I am a victim of identity theft I'm attaching documents

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: Kriya Capital, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute regarding incorrect items reported on my credit report. It has taken over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Did not receive car title

Complaint:
I purchased a XXXX  XXXX for {$13000.00} put {$4000.00} down in a car with trade-in value of {$2000.00} completing the total of {$6000.00} under the CFPB down payments are legal does violating my rights as a consumer through capital one financing I did not receive my {$13000.00} cash in hand or deposit into my bank account for this transaction they refuse to give me any information my down payment back or my title. they also did not give full disclosure for the sum of all charges which shouldve been included. Ive sent a cease-and-desist letter I also revoke my signature from the contract and ask for validation of debt also sent an affidavit of truth. Still no response to rectify the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: Experian Information Solutions Inc.
State: KY
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 have sent several disputes in the past to have the account under XXXX XXXX XXXX removed from my credit reports due to being inaccurate. I contacted XXXX XXXX XXXX to dispute the information as well and have yet to receive a response. The latest letter I sent to Experian, XXXX and XXXX to exercise my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information ... ect. Neither Experian, XXXX nor XXXX, have provided me this information in the 15 day time period allowed and I am making this complaint to show abuse, bias, and prejudice by them not affording me my rights under the FCRA or deleting the information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
Company: EQUIFAX, 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:
I check XXXX XXXX  regularly and noticed that someone pulled my credit for a mortgage. I have no need for a mortgage and this isnt the first time I have seen where someone tried to use my credit and personal information. On my Equifax report, it showed a inquiry for a mortgage. This was back in 2019. Also, there was a credit card I had that had been used without my consent because I didnt authorize anyone to use it. I keep all receipts and monitor my accounts regularly. My identity was stolen after a car accident and a former physicians office and public hospital had something to do with it.

Company response to consumer: Closed with explanation