BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-18
Company: Synergetic Communication Inc
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synergetic Communication , Inc., XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, www.syncomcorp.net has been sending me mail correspondence claiming I owe a credit card debt of {$2400.00}. The latest mail was received on XX/XX/2022 with an offer to pay a discount offer of {$610.00}. Each mail I get keeps offering a lower discount payment. The problem is that this company is trying to collect on an account for a XXXX card from over 20 years ago that I never had. I do currently have a XXXX  card and called XXXX to see if this collection attempt is legitimate and they have no record of my name in their system going back that far, as I know I didn't possess a XXXX card that many years ago. This letter contains specific language stating that if I act on this debt in any way via making a payment, sign a paper admitting that I owe the debt and promising to pay, or sign a paper in which I give up " waive '' my rights to stop the debt collector from suing me in court to collect the debt. There is no way I will contact this company in any way so that they can use me contacting them to open up an entirely new debt collection that will last for the next 10 years until the statute of limitations expires again ( according to their bogus claims of me owing this debt ), thus opening the opportunity for these scam artists to sue me. Now, if I attach the letter I received and it is sent to this scammer, will that constitute them reopening this account to sue me? I would hope that is not the case as I'm just simply providing documentation of this company sending me this bogus collection mail document. 

Now, this was all premised by them saying that this debt is too old for me to be sued due to statute of limitations and I can't be required to pay it through a lawsuit. 

This nonsense harassment from this scam company has to be stopped. I can't imagine how many other people receive these same letters trying to scare them into submitting to their scare tactics. This nonsense has to stop and this company needs to be shut down and have to pay penalties for sending random people bogus collection letters.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX reported my credit card account as XXXX  days delinquent for XXXX. The XXXX Payment was due on XX/XX/2023, and the payment was made on XX/XX/2023, which makes the credit card account XXXX days past due for XXXX and not XXXX  days delinquent. By Federal law, a late payment can only be reported to the credit reporting bureaus once it is 30 days past due. 

Section 623 of the FCRA and Regulation V generally provides that a furnisher must not give inaccurate consumer information to a credit reporting agency.

Also, under the FCRA - 623. [ 15 U.S.C. 1681s ] ( B ) Reporting information after notice and confirmation of errors. 
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) The person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate I have attached the following : -The XXXX statement for XXXX XXXX shows a payment of {$310.00} made on XX/XX/2023 and a new due date of XX/XX/2023 after the XXXX payment was applied. 

-My Bank Statement shows the {$310.00} payment coming from my checking account.

-My Credit report shows the XXXX XXXX XXXX payment reported as XXXX  days delinquent. 

Please remove the late payment from my credit bureau reports. I have excellent credit and have never had a late payment reported to the credit bureaus because I try my best to pay my bills on time. This late payment is inaccurate and negatively affecting my credit profile. I have enjoyed doing business with XXXX XXXX, and I look forward to having this issue corrected and continuing to do business with XXXX XXXX in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: ProCollect, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Discovered debt from ProCollect when it appeared on my credit report. I called them immediately as that was first time I was notified of this. I did not receive any communication to dispute. 
I have been working diligently with all 3 credit agencies to get this removed since. 
I have also sent them documentation that this debt is clear and provided the letter from the creditor of the {$0.00} balance. It has still not been removed. 
All I have heard is that since I did not dispute in their initial letter, it is assumed to be valid. The issue is, I never received said letter, nor any letter since as I have requested they send a copy of what is claimed to have been sent to me initially. 
I would expect this to be removed from all 3 credit reporting agencies immediately as it is invalid and I was never given the opportunity to provide this to ProCollect. 
Thank you, 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 2022-07-10
Company: DISCOVER BANK
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My first call to Discover was on XX/XX/22, a couple of days after I noticed that my checking and savings account was frozen. Since then, I have called a total of XXXX times, 6 of those calls being over 3 hours. I have spent a collective 20 hours on hold since XX/XX/22. After 3 hours and 2 minutes, the line get disconnected. I have tried to reach out to Discover through phone, their app, and multiple social media pages but have not been able to talk to someone who can unfreeze my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
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: Was not notified of investigation status or results

Complaint:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2022-07-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 explanation
Consumer complaint received 2019-02-13
Company: Reliable Auto Finance, 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: Account status incorrect

Complaint:
Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. XXXX XXXX needs to be removed as well because that case is closed. XXXX also needs to be removed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
State: FL
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: SC
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 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, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
California eppi card payed out {$210.00} on XXXX of 2019 I did not make that purchase. Filed a dispute over the phone with the California Eppi card which is now California Way 2 go card and spoke more than once about this situation and ended up being charged anyway even after canceling my card and disputing it. Filing papers on the dispute and going through the whole process. Each person I spoke with from the California card had something different to say. Until now I still have that charge and my money taken away. And it was for a company that does not even have an email or phone number to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: WELLS FARGO & COMPANY
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wellsfargo has denied my request to do a loan modification and denied my request to do an application for a loan refinance. I have asked to do either one due to the issue listed below. At this point I am at risk for paying a much higher payment due to an error on their part. 

Wellsfargo has mishandled my loan 's escrow account. I purchased a property and they failed to give me an escrow analysis on the year mark I purchased the house. This resulted in under payment on my taxes. I notified Wellsfargo about changing insurance companies and they sent a check to both insurance companies in error ( old and new one ) causing a significant shortage that still isn't fixed. 

I spent on average XXXX minutes to XXXX hours on calls with them trying to get to someone to get this resolved. I have yet to reach anyone that can help me get a clear picture of how much I owe on my escrow. 

I need wellsfargo to stop paying out my insurance. I have already paid it for the year. I also need them to correctly caculate my insurance and give me my yearly analysis when asked to ensure I am paying the correct amount. 

I have been hung up on, put on hold, and rudly spoke to more times then I can count. I simply want to pay my mortgage and have the payment be accurate.

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 2023-06-13
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My 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 explanation
Consumer complaint received 2023-08-09
Company: Experian Information Solutions Inc.
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:
On XX/XX/23 I wrote a certified letter to XXXX, XXXX, and XXXX in regard to my private nonpublic information supported by 15 USC 6801. In the letter, I stated that I elect to OPT OUT of reporting information from XXXX XXXX and reporting information from XXXXDept of Ed protecting my right to privacy according to 20 U.S. Code 1232g - Family educational and privacy rights I elect to OPT OUT of reporting this private 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 explanation
Consumer complaint received 2019-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

XXXX  : Account : XXXX XXXX Account # : XXXX Account : XXXX  XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX TransUnion : Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX Account # : 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 2023-01-27
Company: EQUIFAX, INC.
State: NE
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-05
Company: SYNCHRONY FINANCIAL
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was went to XXXX website and saw announcement that a CFPB Order thatrequiresXXXX LLCtoproviderefundstotalingapproximately $ 15milliontoimpactedconsumers. CFPB Order which I would like to submit to XXXX XXXX. I was REQUESTING CFPB EMAIL to CC my email " CFPB Order Application for XXXX XXXX ''. However now I am attaching my Application as a Complaint. I received false statements from the above XXXX starting in XX/XX/XXXX as they tried to collect a debt I had already paid in XX/XX/XXXX and refused to acknowledge payment in full I had already sent them stating the account had gone into collections in XXXX when really it had in XXXX. False statement were fabricated for 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 2021-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I XXXX XXXX, has been in communications with Capital One for several months regarding overdraft fees. These fees have been charged on my Capital One business account during a national pandemic and crisis. XXXX XXXX was heavily impacted by this and has resulted in lower income to XXXX  XXXX account. Upon speaking with more than three representatives in management, I was declined help with this matter several times. They would tell me they waived {$140.00} in overdraft fees, but will not waive any other fees. They informed me that this situation would be escalated and Ill get a phone call from a representative. I never received a call as of yet from them and thats been over two months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: JPMORGAN CHASE & CO.
State: CA
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:
XXXX Quick Pay at CHASE has a very specific definitions of fraud : if you didnt authorize the financial transaction, it is fraud. If you authorized it, even if you got ripped off, it isnt fraud. Federal regulations require banks to fully reimburse any customer whose money is fraudulently stolen from an account. 
XX/XX/2019 I was taken by ambulance to XXXX XXXX Hospital in XXXX XXXX, California for emergency XXXX XXXX. On XX/XX/2019, while XXXX XXXX in the hospital, Ir was the victim of bank fraud via XXXX. {$740.00} was sent to a XXXX XXXX. I have never heard of XXXX XXXX and did not authorize these payments. Despite providing Chase with proof of hospitalization, the damage to my cellphone making use of that device by anyone impossible -verified by XXXX- Chase representatives acknowledging that had no knowledge of the transactions, did not authorize the transactions, nor was my cellphone used to make the transactions, Chase has refused to refund the money stolen from my account. 
" In cases where a consumers bank account or debit card have been compromised, and unauthorized XXXX payments made, consumers have rights under the Electronic Funds Transfer Act. '' -- As defined by XXXX, fraud is unwarranted transactions There is no question that the transactions to XXXX XXXX were NOT authorized. That is the sole criteria -- were the transactions authorized? NO, they were not authorized The fact that Chase can't figure out how the unauthorized transactions took place does not negate the essential point that these transactions were unauthorized. If law enforcement cant figure out how a sophisticated crime was committed, that doesnt mean no crime took place. Robbery, be it with a gun, a fountain pen or unauthorized access to a bank account, is still robbery. There was a known data breach prior to this incident in which my passwords were potentially compromised. I only became aware of this recently. Chase probably knew all along. 
Individual Chase employees have advocated for their institution to refund my money, but Chase says even though I didnt authorize the transaction, nor knew anything about them, they still refuse to refund my money.

Company response to consumer: Closed with monetary relief