BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
tried contacting synchrony bank about XXXX inquires that happen in the same day and to investigate so it can be removed but told me they cant do anything to resolve it. 
i created a report on www.identitytheft.gov and reference # 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 2022-04-17
Company: Experian Information Solutions 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.

XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 permission.

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 2022-04-17
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Tried depositing between $ XXXX cash into chase ATM at XXXX on XX/XX/22. Was given a temporary credit of {$1100.00} which was revoked this past week with no explanation other than that chase agrees it was incorrect. I am being robbed of my money with no explanations and it is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 
In accordance with 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want to emphasize the gravity of this matter and my expectation for a prompt and effective response. Failure to respond satisfactorily will compel me to pursue legal action against your agency, as allowed under the law. Please be advised that I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k. 

1. Defamation of Character 2. Negligent Enhancement of Identity Fraud 3. Violation of the Fair Credit Reporting Act 4. Violation under 15 U.S. Code 1681o - Civil liability for negligent non compliance 5. Violation under 15 US Code 1681n ( b ) - Civil liability for willful non-compliance 6. Failing to comply with 15 USC 1692 ( g ) 7. Violation under 15 U.S. Code 1681b Permissible purposes of consumer reports 8. Under 15 U.S.C. 1681i ( 7 ) Method of verification 9. Violations under 15 USC 1681 a ( 4 ) right to privacy 10. Violations under 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Previously on XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX  Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: LEXISNEXIS
State: NC
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:
Please be advised XXXX, XXXX, XXXX are refusing to remove my Bankruptcy and old addresses, phone and old employer information from my credit file. The information was provided by Lexis Nexis and the bankruptcy on my credit report has not been verified by me nor has it been permitted by me nor does it has a signature by me to be placed on their platform. I wish to have my Bankruptcy removed from all three credit bureaus starting with XXXX. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
on XX/XX/18 I attempted to transfer {$740.00} from my PayPal business account XXXX into my main business bank account. When I attempted to do so I received a security check for this transaction and was told there would be a delay and that they would have to review this transaction first. I contacted PayPal via their customer service line at XXXX PST on this day and spoke with XXXX operator number XXXX as he identified himself. I inquired about this transfer hold and he said it was a risk notification from " their algorithms ''. I said " What risk would that be as this transaction isn't outside the scope of our normal business? '' I mentioned that we did have an open dispute with a client but we had already submitted our proof of service to counter this claim. 

He said that there were XXXX 's of things the system looked at and that it was proprietary. I told him that if I walked into a bank and they placed a hold on a transaction they'd have to explain why and that there are regulations for holds like Regulation A, B, C etc ... 

He told me that they were not a bank but a payment processor and the only rules that they had to adhere to was regulation E. Surprising that he knew regulation E for someone who didn't know that there was a regulation A B C and D. He then told me that this was a part of the user agreement that I agreed to when I signed up. He said I could click the legal link at the bottom of the page. I asked him to point me to this specific area where I could find this user agreement. He told me he didn't have time to direct to me to his user agreement and that I should find it myself. So he couldn't tell me why the transfer needed an additional review and he refused to direct me to the policy and there are no rules it's just whatever the system says. This makes absolutely zero sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
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 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} WXXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX  Balance : {$14000.00} XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is regarding XXXX XXXX XXXX billing and fee practices. 

In XXXX of XXXX, we received a bill from XXXX XXXX XXXX stating we owed XXXX {$430.00} for a bill we did not pay. 
I assumed it was a scam letter until I tried to call XXXX. 
No one in any department would speak to me at XXXX because this bill was in collections. 
I had no way to know what happened and what the bill was for until the XXXX XXXX XXXX sent me a copy of the XXXX bills ( all stating these bills were not mailed to us ). 

My notes : XXXX ) All my XXXX bills are mailed to me so I have a paper copy reminder to mail my bill. 
XXXX ) I do not use this card often. At XXXX, XXXX, XXXX, I charged {$130.00}. 

This is what I learned through written correspondence, as XXXX will only let you investigate by snail mail. 
XXXX ) XXXX mailed my bill in XX/XX/XXXX. All our bills were forwarded for XXXX months while we were in CA with my parents. 
XXXX ) XXXX  does not forward bills so it was returned to XXXX. 
XXXX ) For the next XXXX months, XXXX did not send me a bill, did not call me, did not attempt to email me ( all this information is on file ). 
XXXX ) Each month they charged me interest fees and late fees. 

My first letter from XXXX simply listed what XXXX did ( charged late fees and interest each month because the bill was not made ). The last line states they sent me a bill ( but XXXX does not acknowledge that bill was not forwarded ( as is there practice ) and does not acknowledge never mailing me any of these bills. 

I have ( had ) excellent credit. 
We always pay the full amount of our bills each month ( unless a XXXX interest rate is offered ). 

I have repeatedly asked XXXX for a reasonable response to their business not notifying me during these XXXX months of late fees but they only send the same letter again and again. I have not been able to talk with a human at XXXX. 

In contrast, the credit collection company has been exceptionally informative of the XXXX practices of not forwarding bills and mailing me copies of the bills that clearly state, they were not mailed to me. 

PLEASE HELP ME!!! 
I contact the XXXX XXXX XXXX XXXX MN, and XXXX sent them the same letter that mailed me. BBB said they are only mediators. 
I sent the entire documentation to the Attorney General 's XXXX XXXX MN and after XXXX weeks they contacted me and said I need to work through WI, my home state. 
WI XXXX XXXX XXXX sent me to the WI XXXX. of XXXX XXXX who sent me to the XXXX XXXX XXXX Comptroller of the Currency who sent me to the XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: Experian Information Solutions Inc.
State: AZ
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 XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: EQUIFAX, 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:
This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX XXXX XXXX : {$1600.00}, XXXX XXXX Balance : {$1300.00}, XXXX Balance : {$0.00}XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-17
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, SXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX And XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08
Company: Paypal Holdings, Inc
State: PA
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:
we use paypal for many things. i dont know if i am sending this to the right company or not. XX/XX/XXXX paypal froze my business account for 6 months for a so called transaction they claim violated there terms. these terms were not the terms when i signed up and i never agreed to anything different. paypal took {$420.00} froze it then kept or stole it. they still will not comment on why. this is theft breach of contract and racteteering. XX/XX/XXXX and XX/XX/XXXX i was charged {$39.00} each month from a company i never agreed to have money withdrawn. paypal still doesnt reimburse for the fraud. XX/XX/XXXX a charge from family dollar for items was charged for {$520.00} these items were wrong and the company would take a return and paypal claims this was a friends and family charge, XX/XX/XXXX a charge of {$500.00} from a sugarhouse website was fraud and again no refund. XX/XX/XXXX charges for XXXX and XXXX and XXXX charged and i received wrong items., they claim these were paid friends and family. paypals site doesnt give an option to pay a certain way. if someone sends me a request i don't know how its coming. the items were also wrong and the company billed it under a different name so i couldnt contact them back so this is fraud. XX/XX/XXXX my check for deposit was suppose to be mailed to me but they froze that for 11 months till they finally changed my address. paypal doesnt respond to anything steals money and doesnt keep there terms or refunding for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Date opened : XX/XX/ Balance : {$5200.00}.

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 2022-12-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX Account Name-XXXX XXXX Account # XXXX Account Name-XXXX XXXX Account # XXXX Account Name-XXXX XXXX XXXX Account # XXXX Account Name-XXXX XXXX XXXX  Account # XXXX Account Name-XXXX XXXX XXXX Account # XXXX Account Name-XXXX Account # XXXX Account Namee-XXXX XXXX XXXX # XXXX Account Name- XXXX XXXX XXXX  Account XXXX XXXX Account nameXXXX XXXX XXXX Account # XXXX Account name-XXXXXXXX XXXX XXXXXXXX Account # XXXX has violated my right . 
15 U.S.C 1681 SECTTION 602 A States I have the rights 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. 
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 2023-01-10
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: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.

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