BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-03
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 ( 15 U.S.C. 1681 Section 602 A states I have the right to privacy ; 15 U.S.C. 1681 604 A Section 2 also states a consumer reporting agency can not furnish an account without my prior written consent. I have not consented to this transaction ), the following listed accounts have violated my rights : XXXX  Acct XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct XXXX XXXX XXXX  Acct XXXX XXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX Acct # XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX US DEPT OF EDXXXX Acct # XXXX US DEPT OF EDXXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 2020-04-08
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company. I notified the bank of this situation and they failed to make the change. The account is now current with the correct bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: BOK FINANCIAL CORP
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had an allotment going to the bank routing number XXXX since XX/XX/2017. It was supposed to pay for a XXXX policy. The account number was wrong or according to the bank does not exist. XXXX says the money was not returned to them. The bank says they did not receive the money. The bank has not helped me at all and the last person I spoke to was very rude. I have XXXX or I would not even know this happened. Please help me find out how to get my money returned as I need it due to illness. I have no XXXX policy and I do not have the money that was supposed to pay the policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a 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. 

The above-mentioned account was furnished 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 non-monetary relief
Consumer complaint received 2018-10-05
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My wife and I have a joint Chase XXXX XXXX card through Chase Card Services. We pay our bill in full every month and maintain outstanding credit. 

Over a period of three ( 4 ) days -- XX/XX/XXXX -- 8 unauthorized charges were made on our card at XXXX. When we received our XX/XX/XXXXXXXX statement, we immediately notified Chase of the issue and were told the amount total due of {$810.00} would be placed into dispute and we would not be responsible for the charges, pending their investigation. The account was shut down to future charges and we received a new account number and credit cards. 

In a letter dated XX/XX/XXXX from Chase, we were informed that the investigation had led Chase to conclude that the charges were indeed ours and were being placed back on the card as valid. Immediately, we contacted the Chase Fraud department by phone and were assisted by XXXX XXXX. She advised us to assemble all pertinent information, including any " hard data '' that was in our possession that would clearly show the charges to be fraudulent. We did that and at the direction of XXXX XXXX forwarded all of this via email to a XXXX XXXX XXXX, a supervisor/manager in the fraud division and a long time employee of Chase ( verified via XXXX profile ). 

Ms.Crite indicated the {$810.00} would be placed BACK into dispute and again, we would not be responsible for the charges until further review. 

We heard no response from XXXX XXXX or XXXX XXXX directly after this phone call. On XX/XX/XXXX we received another letter from Chase stating " We confirmed that the disputed transactions were valid ''. This letter was signed by a " XXXX '' and direct phone number was provided. Despite leaving messages, our calls to XXXX were not returned. 

Further, when we received our credit card statement dated XX/XX/XXXX, there were interest charges due to the lack of payment of the amount in dispute. 

Phone messages have been left for XXXX XXXX at her direct number. No response has been received as of XX/XX/XXXX. As stated earlier, messages to " XXXX '' have been ignored. Follow emails sent to XXXX XXXX have not been answered or responded to in any way. 

It appears that Chase is simply ignoring this matter in the hopes that we will pay the {$810.00} and go away. We will not. We are prepared to hire a private attorney to investigate this matter to its fullest extent. 

Any assistance that the CFPB can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In XXXX of 2021 I sent a letter to XXXX XXXX XXXX account # XXXX request that my late payment be removed. They said that they don't do removals. 


In accordance with the fair credit Reporting act XXXX XXXX XXXX  account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-11-29
Company: EQUIFAX, INC.
State: PA
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 I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX 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 states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years. 

15 USC 1681s-2 ( A ) ( 1 ) states 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 explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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 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 this account ( A ). It is not permissible to fail to validate this reported account 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 XXXX XXXX XXXX .... Balance : {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank : XXXX XXXX XXXX via Synchrony Bank Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$810.00} to be financed interest free for 24 months. 
Bought a XXXX XXXX for the XXXX XXXX on XX/XX/XXXX for {$25.00}. 
I made first payment of {$40.00} ( req minimum payment was {$34.00} ) Paid XX/XX/XXXX Due XX/XX/XXXX. 
XX/XX/XXXX statement shows XX/XX/XXXX purchase of case. States Min payment due was {$35.00} due XX/XX/XXXX. I paid {$40.00} again on XX/XX/XXXX. On XX/XX/XXXX, I was assessed a {$2.00} minimum interest fee. 
- I thought by law they had to allocate the payment to the most recent due debt to minimize interest? 
- There was no disclosure that I had to pay {$34.00} + the purchase amount of {$25.00} in order to avoid interest. ( Or I would have! ) After two attempts at their " chat '' service and about 45 minutes, I was able to get the charge reversed ( all be it they said it would take three days to reflect o my account. )

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 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 2019-08-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
XX/XX/2016 I paid with a Care Credit card for dental services plus dentures at XXXX XXXX XXXX amounting to {$1000.00}. 

The denture amount is what I am disputing was {$400.00} of the balance. 

Fyi..I paid the balance off to {$0.00} a couple of years ago. 

I was hurt by this dentist after procedures ( which I reported to my dental insurance company ) and returned later the same week for excruciating pain that the dentist blew off stating to deal with it, it will go away & gave me narcotics. 

Thus, I did not want to return for any additional work but I DID request my dentures " several '' times to take home that they would not release, nor give to me unless I let them do it, which I was not comfortable doing. 

So they refused to give them to me and kept them, sold them, gave away, stolen, I dont know being XXXX XXXX would not give them to me when I requested them. 

So I disputed the charge with Carecredit, with the above info, who in turn sided with provider stating services were rendered REGARDLESS to whether I received them and it was NOT their problem I did not & take it back up with the provider. Wow!! 

I was informed Carecredit did not ask, request documents, nor receipts, or my signature to show from merchant that I ever received the dentures and was told they would not request them based on their agreement with you. So I am XXXX outta luck was pretty much said by their dispute rep. 

This is so wrong on many levels. I feel if you pay for merchandise whether they fit or not they were mine! And I should have receive what was agreed upon, that I paid for upfront, of which I still have not received, or a credit should be given back to me of {$400.00}.

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 explanation
Consumer complaint received 2021-04-30
Company: LEXISNEXIS
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is for Lexis Nexis and customer service representative XXXX. I just sent 28 minutes with XXXX on the phone from XXXX on XX/XX/2021. During the phone call XXXX gave me erroneous information and when I point things out to her she attempted to change the facts. 

I have spoken with XXXX on several different occasions and as recent as of Wednesday, XX/XX/XXXX. I called to check on dispute of bankuptcy listed on my Lexis Nexis report. She said that Lexis Nexis is contacting the " Courts ''. I find that odd because it is not the practice of the US Bankruptcy courts to provide information to data furnishers such as Lexis Nexis. 

XXXX went on to say that my dispute was started in XX/XX/XXXX. I challenged her on that because I emailed Lexis Nexis on XX/XX/XXXX at XXXX and I have a reported date XX/XX/XXXX that the Bankruptcy was disputed on XX/XX/XXXX. She went on to say that I requested a dispute to the bankruptcy listed on my credit reports. To which I told her I did not to that because there were no bankruptcy listed on my credit reports at the time. I told her that Lexis Nexis initiated these disputes on their own accord without my knowledge and permission.

I then requested to speak to a supervisor to which she told me a supervisor would call me back in 24 hrs. I find that odd because Lexis Nexis is closed on the weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 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 2022-05-05
Company: Bread Financial Holdings, 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:
15 usc 1681 section 602 states I have the rights to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Experian Information Solutions Inc.
State: FL
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 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 an 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 2020-04-09
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of XXXX, someone used my name to open a Synchrony Bank PayPal account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid. 
I received a message from Synchrony PayPal about an overdue balance around XXXX, XXXX. When I returned the call, the PayPal security department couldn't find any information about an account  matching the information I could supply. I told him it was an unauthorized account and to close it immediately. 
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. Synchrony PayPal had closed the account and had sold it to XXXX XXXX. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date. 
I filed an Identity Theft Report with FTC and sent an official letter to XXXX XXXX in XX/XX/XXXX with documentation. No letter from XXXX. 
I receive several phone calls from XXXX XXXX each day and want it to stop.

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 2018-06-08
Company: EQUIFAX, INC.
State: WA
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:
i disputed with EQUIFAX a collections account with contract callers for a amount {$240.00} that has BEEN PAID and i sent Equifax a copy of the receipt. They emailed me XX/XX/18 saying the dispute was completed but still show not paid as a collection! They have locked me out of checking on this dispute! ( dispute conformation number XXXX )

Company response to consumer: Closed with non-monetary relief