BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2021 I went online to pay my XXXX XXXX MasterCard with Synchrony Bank. My payment was around XXXX and decided to pay XXXX. So on today XX/XX/2021 I noticed that the balance owed was pulled from my checking account XXXX. I tried to login online to check to see my account and to view payment history and was unable to get in. I kept receiving error message. At this point I decided to call. A female representative answered I explained my issue she advised me that I can put in a dispute for payment and my funds will be back in my account in 21 days. I advised her that payment was for only XXXX not the balance owed and that I needed my money back immediately to pay my mortgage and other bills that were going through. She stated because payment was made on XX/XX/2021 there was nothing she could do. I told her several times I need my money back payment was only supposed to be for 100. Not the balance. So after hearing her say several times there is nothing she could do. So I asked to speak to her Supervisor or manager she then placed me on hold. A female Supervisor I think by the name of XXXX came on the line and say she understand my issue but there is nothing they can do by getting my money back to me and that I need to call my bank. I asked if there is a way they can review payment? She stated that they can only see payment was made online. So I said to her you mean to tell me as fast as you all pulled the funds from my account you all can not return it? She told me no it hasnt posted on their end as of yet even after I advised her the money has been taken out my account. I stressed to them how much I needed my money to pay other bills and that my mortgage was going through neither one of them cared. We are in a pandemic my XXXX XXXX credit card is not past due. I made the payment on time. Im the consumer and they didnt care to listen or assist me ..all I kept hearing is what they couldnt do for me and I feel so bad! Now I have no money in my account to pay others bills and on top of that my mortgage may return. Synchrony Bank representatives should be more emphatic in these times that we are in. Neither one nerved said ok Ms XXXX let me take a look to see what I can do for you. It was always what they cant do. I ended with no resolution and following up with my financial institution. Im highly upset and disappointed! There has to be a resolution to help consumers if a mistake was made on a payment. They have no right to keep my money if Im telling them the payment amount shouldnt been different. The remaining amount shouldve been reversed immediately 2-3 days not 21 days that unacceptable!

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 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
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 have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: SC
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:
ON XX/XX/2022 I SENT A DISPUTE LETTER TO XXXX IN REFERENCE TO A MEDICAL BILL THAT WAS SENT TO COLLECTIONS AND REPORTED ON MY CREDIT REPORT. THIS DEBT IS NOT MINE AND REPORTING INACCURATELY TO CREDIT REPORT. XXXX AND EXPERIAN RESPONDED TO MY DISPUTE ON XX/XX/2022 STATING THAT THE ACCOUNT WAS VERIFIED AND 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF THE TWO CREDIT AGENCIES ARE REPORTING TWO DIFFERENT ACCOUNT NUMBERS AND TWO DIFFERENT COLLECTION AGENCY NAMES? I'VE ALSO SENT LETTERS FOR BOTH OF THEM TO SEND ME THE VERIFICATION OF METHOD FOR VERIFYING THIS ACCOUNT AND THEY HAVE YET TO RESPOND. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA AND THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLEY. 

THE FOLLOWING ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY : XXXX : ( XXXX ) * DOES NOT SHOW ORIGINAL LENDER ON CREDIT REPORT* COLLECTION AGENCY NAME : XXXX ACCOUNT # XXXX XXXX : ( EXPERIAN ) ORIGINAL LENDER : XXXX XXXX COLLECTION AGENCY NAME : XXXX XXXX XXXX I ACCOUNT # XXXX ABOVE IS HOW THE ACCOUNT SHOW ON MY CREDIT REPORT AND I WILL ALSO ATTACH PICTURES. BOTH SHOW TWO DIFFERENT ACCOUNT NUMBERS AND XXXX DOES NOT HAVE THE ORIGINAL LENDER REPORTED. SO HOW COULD AN INVESTIGATION BE COMPLETED AND EVERYTHING VERIFIED AS ACCURATE IF MY CREDIT REPORT CLEARLY HAS INACCURACIES REGARDING THIS ACCOUNT? 

THESE ERRORS NEGATIVELY AFFECT MY GOOD CHARACTER AND REPUTATION AND THE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

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 2020-05-18
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$88.00} XXXX XXXX {$670.00} XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: The Law Offices of Jennifer McCoy, PC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I moved into the XXXXXXXX XXXX. During that time I endured relentless harassment by the landlord. I have documented evidence. I also was denied services also of which I have evidence. Then, XXXX XXXX, the property manager denied my medications. When presented with evidence, she created a lie. She did not know the cards in question that she stated she allowed XXXX into my apartment and placed those on my door were actually sent in mail. 

I endured other vile acts by XXXX XXXX. 

Then, using TN State Statute ( Code 66 ) I notified XXXX of her harassment denial of services and other acts which were a violation of the law. I have the evidence to prove this. 

XXXX XXXX has been proven to be a lair. Everything she told me was a lie and can be backed up by documented evidence. XXXX XXXX, the liar, then again created an amazing story about a debt not owed since under TN statute we were allowed to leave without harm. XXXX again lied and created a debt not owed. She then sent it to a collection company knowingly that it was a lie. In doing so, this is an act of fraud. 

XXXX XXXX also misrepresented a material fact, knowing it to be a lie about medication required for a XXXX. I relied on this. This is not only a lie but can be inferred to be fraud as well. 

XXXX XXXX also promised me numerous times that she was doing something to basically earn my trust. I believed in her promises only to find out she was being deceitful. Promissory estoppel. Now, this same person, hit our credit with malicious intent to damage us. She continued her lies and harassment. 

We have suffere3d severe financial damage because of her. However, her attorney XXXX XXXX is just as responsible for these outrageous acts of creating something that doesn't exist. She represents the client and is confessing her fraudulent actions to harm innocent people is ok. 

We have much more evidence to show their abuse of the debt system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Someone opened a checking account at citizens bank in my name today XX/XX/22. I called and talked to their fraud department and they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Podium Mortgage Capital LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was notified first part of XXXX that my mortgage service did not receive payment for XXXX. 
i supplied them with proof, check image front and back, that it had indeed been processed by them. 20 some phone conversation with them and i has not been resolved. 
XXXX XXXX should be looked into for miss-management, incompetent handling of peoples money, and possibly fraud or money laundering. i don't know what's going on there but i have no way out and am XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2023-09-13
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get countless calls for a XXXX  account that was sold my personal information to a collection agency I did not agree/sign on. The harassment has been going on for years because 2 years again when I asked for proof over the phone if they had anything they can send me proving I agreed to the collection terms or paying they never could provide me with any information. 

the amount was for {$800.00} this new collection agency sold to again is : credence resource mana ( no number on experian to contact & call )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have openned a Business Paypal Account and received funds form our sales from XXXX website. email : XXXX BUSINESS NAME : XXXX XXXX Paypal receive these funds {$47000.00} USD and they are not allowing me to withdral my bank account from XXXX XXXX to this paypal account ( they are always showing same error message : there is an error, please contact support. ) Also they are asking me to create an ITIN number in order to let me move these funds to other paypal account. I have applied to an ITIN in USA IRS 5 months ago ( but so far didn't got my number ). So these funds are locked inside paypal. So this is not fair. If they are not allowing me to withdrawal these fund ( because I didn't have ITIN so far ) why they allowed these funds to be deposited in this account in first place? I have a bank account but I am not able to link this account at their system. So I would like to ask to receive these funds by a Wire Transfer or they allow me to transfer funds to a different paypal account. 
I have submited a complaint last month and PAypal said that funds are ready to Withdrawal on XXXX XXXX. I have tried to withdrawal funds today and got no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I lost my wallet that included my bank of America debit card issued by unemployment as well as my NJ id. I called Bank of America and had issues resolving the problem. I was asked to go into a Bank of America location with two forms of id. The problem is that due to covid NJ DMV is not running regular hours. I have not been able to get an appointment. I am a XXXXyear-old man, I already don't want to spend more time out in public places than I have to. I have reached a point that I'm not sure what to do. This week coming up will be the 6th week of claiming and not being able to actually get my money. 
I hope that someone can please help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: TD BANK US HOLDING COMPANY
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 went to a used car dealership on XX/XX/2019 at XXXX XXXX XXXX in XXXX XXXX to test out a XXXX on their lot. Met the salesman, test drove it and I loved it. After three hours of negotiating a contract I was able to get the deal and price I wanted. I signed numerous papers and was told my car would be ready in two days so they could detail it. 

Two days later I get a call from the manager telling me the car has numerous leaks and they wont sell it to me now, and that its being put up for auction. I told him my family member is a mechanic and Id like to have him look at it, knowing this already seemed fishy. He told me no and that their reputation stands by it. He said I can look at other cars on the lot and get one of those, I told him no, the Jeep was what I wanted and came for and that they should honor my contract or terminate it. 

He terminated it. Found out he sold the XXXX to another person. Now, I have all these inquiries on my credit report that I can't get a loan approved for it. Many of these inquiries I didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

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 2021-03-21
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:
On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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:
Dear Sir/Madam, I am writing to call into question several inquiries on my Equifax credit report that I strongly suspect are fraudulent and unsanctioned. In having examined my credit report, I have come across multiple inquiries made by XXXX XXXX on XX/XX/2022, XX/XX/2022, and also by XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX last year. Furthermore, there appear to be additional queries from XXXX XXXX XXXX XXXXXXXX on both XXXX the XXXX and XXXX the XXXX of this year. There are yet more inquisitions made by XXXX on XXXX the first as well as XXXX dated XXXX the XXXX of this very year. None of these transactions were initiated or authorized by metheir presence is wholly fraudulent and may prove detrimental to my financial standing. This occurrence leads me to believe that fraud took place, thus inciting an immediate review process with your institute regarding such matters. Please remove these unauthorized inquires from my record as it invites serious concerns over any potential future approvals. 

A thorough investigation will point out all irregularities taking place- Please confirm action taken once finished through an official letter/document/sent communication outlining works performed at resolution/assistance intended- With necessary comprehension see data attached for copies og original files viewed and actions processed whilst highlightng blatant problems caused/included only Thank you for attending these disputes promptly, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: CA
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 found several unauthorized inquiries on my credit report that Experian refuses to remove from my file. Experian can't verify that the information is accurate or provide proof that I authorized these inquiries. 

According to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 non-monetary relief
Consumer complaint received 2023-05-11
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these accounts are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation