BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-21
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2020 I went to XXXX XXXX XXXX store located on XXXX XXXX XXXX, XXXX XXXX, CA XXXX and purchase {$7000.00} more or less on furniture. 
Price agreed 111 a month 5 years, 10 percent interest rate on the whole amount which was {$7000.00} so 10 % on {$7000.00} was around 700, so {$7700.00} in 5 years around 130 dlls a month, but I canceled one piece of furniture so it went down to 111 a month. 
We signed and things were delivered. 
The messed up my floor and walls, and couldn't take dresser up so they left it in the middle of my kitchen ( complained to XXXX  and the came back 4 weeks later ) Then I got my first bill for XXXX plus late fee of XXXX I paid XXXX, called complained to synchrony bank, then XXXX 's, NOBODY GAVE A XXXX then a sup from synchrony told me, " go to the store, and tell XXXX 's to send us a letter saying XXXX a month instead of XXXX plus monthly interest, So I did that, went to XXXX 's, talked complained, they said yeah it was XXXX a month not XXXX, I showed him the app charging me XXXX he said he would send info. 
2 months later, the apps says I owe them XXXX plus dollars for fees and 2 owed payments. 
I called again. 
Nobody can help. 
Please help 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 monetary relief
Consumer complaint received 2020-06-17
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: Information belongs to someone else

Complaint:
Collection of XXXX Balance : {$370.00} Opened : XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I placed an order on XX/XX/2021 with XXXX  for two pool cues, towel, chalk, glove, and a cue tip. I paid for priority shipping and called the office to make sure they send my items together to minimize shipping errors because of a previous incident with an XXXX order that was shipped to a different city and I didnt want the same thing to happen again. I was suppose to receive the order on XX/XX/2021, but I didnt so I waited and finally on XX/XX/2021 I received my items missing the two cues and the towel. After that I checked the weight of the package on the USPS website it said 5 lb, and I looked up how much everything should of weighted and it turned out it is suppose to be between 8 to 10 lb. I also noticed that there was a dent on the side of the box and if the box was full with my cues that dent wont be as big as it is. 
When I contacted Wells Fargo they denied my claim and now I dont know what to do especially because it is my first time this ever happened 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 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Regardless of the multiple written requests, 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 non-monetary relief
Consumer complaint received 2021-06-22
Company: Experian Information Solutions Inc.
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This is my second complaint submitted on the Experian. The first complaint was closed and the company stated that they need my authorization to proceed with the complaint. I called experian today to give them authorization and was told that the entire complaint had been closed and that the Experian representative stated that there was nothing she could do on her end to " authorize the complaint ''. I really feel like this company used the am also documented all of these issues Im having with getting Experian to investigate violations on my credit report! 
Experian 's response " We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. '' I now give experian verbal as well as written authorization to proceed with my complaint. I have also provided my drivers license, social security card, and utility bill to help prove my identity. Please proceed with this complaint as I requested. 
XXXX XXXX XXXX Original Complaint : I have reach out to Experian 3 times within the last 35 days trying to submit a dispute via phone, mail, and online. So far none of the dispute methods have worked and none of the accounts are showing in dispute. I sent my first letter to experian on XX/XX/2021 requesting the re-investigation of two accounts that experian claimed to have investigated for inaccuracies and verified as accurate. I also submitted new evidence which shows that inaccuracies on that are still reporting despite experian verifying these accounts as accurate. If these accounts were verified by Experian or the creditors then it is clear that both parties are providing misleading and false reporting and have failed to ensure complete accuracy of the information that is being furnished on my credit report. I'm requesting the removal of the the XXXX account # XXXX and the XXXX XXXX Account # XXXX because I notified Experian several times that these accounts continue to show late payments after the accounts were closed and or charged off. This is a violation and creates a misleading payment history on my credit report. I'm also requesting that the late payment for my XXXX XXXX XXXX XXXX account # XXXX be updated to paid on time for the month of XX/XX/2021 because I have always paid this account on time and as agreed

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 2022-09-26
Company: Bread Financial Holdings, Inc.
State: NJ
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:
This is about the XXXX XXXX XXXX XX/XX/2021 with your financial institution executed by way of signing an Agreement ( Document ). As per 15 USC 6827 ( 3 ) The term document means any information in any form. 

I demand you Cease and Desist from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes XXXX, XXXX, and XXXX. 

The provisions of 15 USC 6801 ( a ) state It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 

Please be advised that I have not given your company consent to share my nonpublic personal information and if theres a nondisclosure clause in your contract/agreement giving you that option to share my nonpublic personal information. I ask that you show me in the same contract/agreement where I can opt out of your sharing of my nonpublic personal information. 

15 USC 6802 ( B ) clearing states that A financial institutionmay not disclosenonpublic personal informationto anonaffiliated third party.

15 USC 6802 ( B ) 1b theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party 15 USC 6802 ( B ) 1c theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option. 

In the above-mentioned XXXX XXXX XXXX XXXX without giving me the opportunity to opt out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). 

With that said, your company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you remove the below-mentioned information from my XXXX Report : xxxxx XXXX If you accept my request, I will not escalate this matter to a XXXX complaint. 


Thank you for your attention to this matter Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
This inquiries don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft CAPITAL ONE BANK USA Inquiry Date XX/XX/2021 This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-11
Company: Experian Information Solutions Inc.
State: LA
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:
Early XXXX I contacted this bureau requesting due diligence be done on this account or removed they responded that the accounts that been validated but again FAILED TO PROVIDE METHODS OF VALIDATIONS! XXXX Notice for validation of debts. also this information upon further investigation of my own as the consumer has been found to be fraudulently reporting ( documentation attached ) either the company is allowing these inaccuracies to continue to report or the no investigation is being done! PLEASE REMOVE THIS ACCOUNT! 


Duties of Furnishers to Provide Accurate Information Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 2022-07-23
Company: Experian Information Solutions Inc.
State: MI
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 sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 2023-11-22
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit reporting 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 no knowledge of these inquires, listed as - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Tdbank ( target ) - XXXX ( XXXX XXXX ) - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
My identity was stolen middle of XX/XX/XXXX. I was unaware that this had happened I have had not used or had any use for my credit until early XXXX. Upon viewing my report it was disclosedto me that multiple attem where made to obtaincreditin my name that I did not authorize. I have filed a police report, and placed appropriate freezes to my credit report and am now disputing after seeing the following companies accessed my credit without consent. 

XXXXXXXX XXXX XXXX  Capitol One Global Lend XXXX XXXX XXXX COAF Team XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-15
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
On XX/XX/2021 Bluebird Card Via American Express accepted a deposit for me from the Small Business Association. It was an XXXX XXXX XXXX in the sum of {$5000.00}. I attempted to access my account shortly after I received an email from Bluebird stating that the deposit was received, but was unable to log into my account. I called customer service on XX/XX/2021 and spoke with a customer service rep who informed me that my account had been blocked, she then transferred me to the Investigation team. I spoke with them and was told that my account was permanently suspended and that in order for the funds to be released from my account I would need to have the SBA write a letter of indemnity. After several months of attempting to speak with someone from the SBA, i was able to speak to a paralegal from SBA who informed me that the SBA does not write letters like that and that they do not understand why Bluebird is refusing to release my funds to me or return them back to the SBA. These funds are much needed and have been held in this suspended account for 7 months now without any correspondence from Bluebird. I have attempted for months to contact them. I have sent several emails to the investigation team only receiving automated responses stating that I would be contacted within 10 days, but I have never been contacted. I have called on several occasions only to be placed on hold, then call ended. I am unable to speak to anyone concerning the release of my funds. However I do receive weekly emails reminding me of the balance of the suspended account. I am unable to access my account in any way. I am not sure where to turn to rectify this matter. How can a company just keep someone's money and tell them nothing? This is insane. I just want my money released from this account. either sent to me or back to the SBA so that it can be refunded to me. This matter has gone unaddressed for to long. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: TX
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:
15USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish an account WITHOUT MY WRITTEN CONSENT. This erroneous reporting has hindered my ability to support myself. I ask that you use precedent cases Under code listed 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 2015-04-10
Company: NATIONSTAR MORTGAGE LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, My name is XXXX XXXX, my loan was transferred to Nationstar Mortgage in XX/XX/2013. Since, then I have to contact them multiple times out the year just to ensure the correct amount is paid on my taxes. This is the worst company!! When I returned home from work, I received a letter stating I have a surplus in my Escrow account of {$870.00}. This is not correct as the Taxes for my Summer Taxes were {$2500.00}, and {$140.00}. And my winter taxes were {$23.00} and {$450.00}. XXXX XXXX {$1300.00}. Yet, on the Escrow statement they sent me it has my City Tax as {$1900.00}. My total for my Escrow Account not including MIP was {$4400.00}. Yes, they have total disbursements as {$3300.00}. This is a difference of {$1000.00}. This has been an ongoing issue, not mention very stressful. I believe part of the problem is their computer software is OLD and out dated. Can someone please assist me?! I have spoken with XXXX XXXX and XXXX XXXX at the Ohio office. Last year, before XXXX XXXX said he would flag my account so this would not continue to be an issue. Guess, he did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Date opened XX/XX/2017 Balance {$150.00} XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX XXXX Date opened XX/XX/2017 Balance {$0.00} XXXX XXXX Date opened XX/XX/2017 Balance {$120.00}

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 non-monetary relief
Consumer complaint received 2022-08-26
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:
When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : 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 2021-06-22
Company: Benworth Capital Partners LLC
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I applied for PPP through XXXX for my business XXXX XXXX XXXX XXXX on XXXX. I was approved for the amount XXXX on XX/XX/XXXX. I had my deposit going into my XXXX account and they rejected the payment XXXX. So I had to re-submit my bank info XX/XX/XXXX and it verified XXXX. They ( Benworth ) said my payment was sent out again and accepted by my new bank info on XXXX. But I have yet to receive anything. I have contacted my bank and they asked me for a trace id number. I contacted Benworth Capital llc again and they refused to give it to me. Said they didn't have that information. Since then I have been calling and sending emails, no one will respond. I am aware there is a time frame and the systems are busy. But it has been past that time frame and I feel that they are neglecting me at this point and have breached this contract

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ECMC GROUP, INC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this from my credit report. 
Account Name : ECMC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX Reason : Identity theft Please remove this 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 2022-01-15
Company: EQUIFAX, INC.
State: TN
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:
The company is Equifax I have filed a complaint before an they are still saying I have delinquent credit card balance and I dont I dont understand why they keep lowering my score when I have excellent pay history but it states on my report I just looked at credit card delinquent can u please resolve this for me U raise my grandchildren after my daughter passed away an trying to but. Home I cant with these reports XXXX is lowering my score an I have excellent pay I dont understand how they can do this they ruin people Thank you XXXX XXXX

Company response to consumer: Closed with explanation