BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-14
Company: Payfare International Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Payfare/XX/XX/XXXXXXXX locked my card for security reasons ( incorrect pin or CVV entered by me, the cardholder ), however the card continues to be locked several days past the 24 hours they said it would be locked for. This has happened several times, causing me to lose access to my funds for bills and purchases. They typically ignore calls and emails, and unlock it when they get around to it. When they do answer my calls, they assure me that my card is not locked and that I should try it somewhere else. However, when I take their advice and attempt to make a purchase, it is still locked. I emailed them a couple days ago letting them know that if this continues, I will need to file a complaint with Consumer Finance Protection. 

Today ( XX/XX/2023 ), I called about a half hour ago, and they told me it would be unlocked at XXXXXX/XX/XXXX tomorrow. They encouraged me to try making a purchase then. However, immediately after our phone call, I saw they deactivated my card entirely, and restricted access for me to view my virtual card and my account number and routing number. So I called them back and explained this, and the representative gave me no legitimate explanation. The representative told me she will make a ticket to escalate my request and to wait for a call from Payfare. Ive been told to wait for a call from them several times before, and never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: EQUIFAX, INC.
State: IN
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: Ascent Holding Co
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
This loan is for a XXXX XXXX. I signed a tuition refund guarantee, and then after Hurricane Ian destroyed the XXXX XXXX XXXX  Florida, I needed an extension on the XXXX end date. This extension nullified my tuition refund guarantee but, I signed it under duress. I explained to XXXX/Ascent my situation and they increased my loan amount in retaliation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-26
Company: AMERICAN EXPRESS COMPANY
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am trying to use my American Express card with my budgeting apps. American Express does not allow me to connect my account to my budgeting app. I have spoke with American Express and both of my budgeting apps and have been told that American Express does not support linked accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Experian Information Solutions 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:
iI have reported diffrent things appearing on my credit that are dealing with identity theft i have told the experian, XXXX, and XXXX and sent in police reports and im not able to get items removed the people were using my identity for alot of diffrent things

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 2023-09-07
Company: Experian Information Solutions Inc.
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
This is a notice requesting Capital One provide a privacy policy that complies with section 6803 of the Gram Leach Bliley Act, along with opt-out options consistent with 6802 of the same act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-27
Company: EQUIFAX, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: Self Financial Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX continues to report display closed accounts To have a negative impact on my credit profile Ive asked that these accounts be deleted if closed and paid off to avoid loss of points on my credit score The account is XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX  Status Paid, Closed. 
Status updated XX/XX/XXXX  Theres no reason to keep this inquiry on my credit profile when Ive asked to remove it They said it has been validated which I didnt disagree to the validity but this is no debt owed So there is no reason to continue to display it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted 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 explanation
Consumer complaint received 2022-11-26
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: Personal information incorrect

Complaint:
Equifax is reporting incorrect addresses on my credit report. XXXX XXXX XXXX are reporting my correct addresses. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts that are currently reporting are listed on the attached identity theft report along with the fraudulent and unauthorized inquiries. I have attached an FTC Identity Theft report and I am currently awaiting the police 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 2022-09-17
Company: EQUIFAX, INC.
State: MO
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:
XXXX and XXXX and Equifax have incorrect information on my credit report and refuse to correct it. I've also been victim of my information being breached by credit reporting companies but they refuse to pay me for my time to fix my credit. I've been victim of identity theft because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: JPMORGAN CHASE & CO.
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:
Hard Inquiries was placed on my credit file by several different companies for credit cards that I did not apply for which makes this fraud. 

JPMCB CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
Company: SYNCHRONY FINANCIAL
State: UT
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:
In late XXXX of 2022, I had XXXX come out to my home in order to install a new air conditioning unit. 
I opened an account with them to finance the item, and the agreement was that the unit would be purhcased and installed. 
After the installers left my home, I noticed that there was nothing hooked up. No connections, and no hoses were properly installed on the unit. This was in the middle of the summer, and because of this I had to make arrangements for my children to stay somewhere else because the home was too hot to comfortably stay in. 
When I reached out to XXXX to get them to come and finish the job/install the unit correctly, they told me no and they began reporting the debt on my credit report as an active account with Synchrony Bank XXXX SYNCB/XXXX on credit report ). 
I explained to them that my agreement was for the installation, and that it was unethical for them to request payment when they did not do the job they were supposed to do. 
Because they continued to refuse the service they had agreed to, I was forced to hire and pay for a third party contractor to come to my home and finish the installation job.

They are effectively ruining my credit score by reporting late payments/first month default month over month on an account that does not reflect the agreement of services.

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 2022-09-16
Company: EQUIFAX, INC.
State: VA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall 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. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX / XXXX ) ( XXXX XXXX XXXXXXXX / XXXX ) ( XXXX XXXX  XXXX / XXXX ) ( XXXX XXXX XXXX  XXXX ) ( XXXX XXXX XXXXXXXX ) As well as all highlighted addresses/public record information on file. 

Equifax Account Numbers : ( XXXX XXXXXXXX / XXXX ) ( XXXX XXXX  XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX well as highlighted public record information. 

XXXX Account Numbers : ( XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX  / XXXX ) ( XXXX XXXXXXXX ) As well as highlighted address and public record information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The above listed accounts from all bureaus have all been disputed and were sent back verified and accurate, however the information is inconsistent and inaccurate after being " verified '' and/or updated. 

Some information reported by XXXX in particular returned verified as mine after they updated another individual 's personal information to match my own during one of the disputes included. 

XXXX has also reverted update changes and re-added deleted accounts after completing their dispute process multiple times. I've included an example of them reverting account changes AFTER a dispute was completed/updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-08
Company: EQUIFAX, INC.
State: NC
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: Problem with personal statement of dispute

Complaint:
I have disputes this charged off account and tried having it removed off my credit. I have asked for verification and proof of verification. 

I have filed a report with FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I stayed at a XXXX XXXX XXXX XXXX, in XXXX XXXX, NJ around XX/XX/2022 as a hotel stay. When arriving at the resort, I was asked to go through a presentation the next morning. They asked for certain personal information and I asked them why? They wanted to see what services they could provide me for future lodging stays. I clearly told them that I wasn't interested in anything that was going to cost me money. They said it wouldn't after I clearly told them that I was not interested. Against my better judgment, I decided to go through the session ( strong-armed ) and I gave them information that I should not have given them. The accomodations were very nice but I was NOT interested. After sitting with a consultant who was describing to me what I thought was a time-sharing program. They tried to provide me with several future vacation options. Well long story short, their account is now showing up on my credit report and I want to get it cleared. I just wanted to enjoy my stay and I do not like that this is listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03
Company: AES/PHEAA
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is with the Federal Loan Forgiveness Program. I qualify for the 10 year repayment part, work for a XXXX XXXX and filed for forgiveness. I was denied, saying I never kept the loan under the Stafford Loan for the entire time. I never had a choice in this. It was sold to XXXX XXXX and then to XXXX. I had no say in this. They said I agreed when I kept paying. How am I just going to stop paying my bills? I know I'd get garnished and sued by the government if I did. Just stupid. So now, being a model citizen and hard worker paying my bills doesn't help me at all with this program. And the program is to be for us, but basically is a sham not helping hardly anyone in reality.

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

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation