BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-06
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX  XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when XXXX XXXX too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid 600 now. 

On about XX/XX/XXXX XXXX took over, from XXXX. The letter from XXXX 's bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from XXXX they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about 1/2 a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

Synchrony has lowered and closed all of my credit lines. XXXX has lowered my line. XXXX has lowered my credit line. My score dropped to the low 500 's from high 699 700 's. 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.

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 2022-12-19
Company: Experian Information Solutions Inc.
State: IA
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:
I've simply asked the to quit sending me emails soliciting services they sell. I have contacted them several times to no avail.

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 2020-08-06
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bottom line is my credit has unjustly been damaged. My house payment originated with XXXX  XXXX XXXX, then we went bankrupt ourselves in XXXX, and the house was " NOT '' reaffirmed, so they stopped reporting immediately, then XXXX took over, always asking if our intention was to keep the home, ( it was ) in all correspondence. Then XXXX got the mortgage, they honored the law, and didn't report either. But when XXXX XXXX too over, unbeknownst to me, started reporting me, and stated " they weren't told '' about the bankruptcy??? So even last week, synchrony refused to reinstate my credit line, my score has crept up a little, since it, thru dispute, was finally removed, but the damage still lingers as my score is in the low to mid 600 now. 

On about XX/XX/XXXX XXXX took over, from XXXX. The letter from XXXX 's bankruptcy people stated not to send a payment, so we didn't, and when we got a letter from XXXX they stated we were 2 months behind, we sold, and paid off, our house following around XX/XX/XXXX and by then it showed 3 months behind. That remained unchanged, not showing paid, not removed, or at least corrected, for about 1/2 a year. We began contacting them, early XXXX with them promising a correction. But they never did correct it. 

XXXX has lowered and closed all of my credit lines. XXXX has lowered my line. Chase has lowered my credit line. My score dropped to the low 500 's from high XXXX XXXX 's. 

The credit bureau 's have finally removed last month ( late XXXX ), after a lengthy dispute, worsened by temporary Covid delay, but my score and credit lines are still severely damaged, due to lowered, and closed credit lines, affecting my credit utilization. 

Bottom line is, House the house was " NOT '' reaffirmed, so this should have never happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: LEXISNEXIS
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX, XXXX, XXXX has me under different names and addresses. I would like for my bankruptcy to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: NAVY FEDERAL CREDIT UNION
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:
I Consumer, XXXX XXXX extended credit to Navy Federal Credit Union ( NFCU ) entering into a consumer credit transaction through the extension of credit in accordance with the Truth in Lending Act. 

Upon review of my right and reports I submitted a dispute to the credit bureaus requesting the Navy Federal account listed on my consumer report that I provided in the attachments be removed in accordance with 15 USC 1681a ( 2 ). See below for the exact exert from the law ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; 15 USC 1681a ( b ) also states ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ... Should also be EXCLUDED from my consumer report. 

In accordance with 15 USC 1681 congresses has stated that I the consumer have the RIGHT to privacy and that I must provide written instruction to any consumer reporting agency who wises to finished information regrading me which I have not provided. 

Furthermore, in accordance with 15 USC 6802 of the The Gramm-Leach-Bliley Act it clearly states that no financial institution shall disclose my personal NONPUBLIC information without the consent of the consumer AND that upon receiving such consent the financial institution MUST give the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Upon reviewing all of my documents, I WAS NOT provided with clear instruction to utilize my ability to opt out nor was I given clear instruction on how to exercise my RIGHT to opt out. 

There is no law that states that anything has to be reported on my consumer report but there are multiple laws that state that the consumer has a right to privacy and that I MUST provide consent to the sharing of any of my personal nonpublic information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
( XXXX ) On XX/XX/XXXX was charged XXXX for a " WalmartXXXX XXXX membership. I had cancelled a trial period within the guidelines ( before 30 days ) and should not have received this charge on XX/XX/XXXX. I called Walmart and talked to XXXX on XX/XX/XXXX at XXXX XXXX XXXX He could find no account for me and told me to dispute charge with credit card company. I did. The charge was reversed under case # XXXX. ( XXXX ) On XX/XX/XXXX I was charged XXXX again. I called and spoke to XXXX at Walmart on XXXX XXXX XXXX XXXX XXXX. Again no account could be found for me. Credit card company again reversed the charge under case XXXX. ( XXXX ) On XX/XX/XXXX I was charged again. This time the charge read " Walmart XXXX XXXX XXXX and the amount was now XXXX. I disputed the charge with the credit card company and they reversed the charge under case XXXX ( XXXX ) Credit card company told me that charges from Walmart could not be blocked ( XXXX ) I asked for a new credit card with a new number. They sent me XXXX with a number ending in XXXX ( previous number ended in XXXX. ( XXXX ) On XX/XX/XXXX I was charged yet again for XXXX. I called credit card and asked how? The answer was because the new credit card number was automatically given to Walmart. Charges reversed under case XXXX ( XXXX ) On XX/XX/XXXX I was charged XXXX again. I called Walmart on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. He ( as all the others at Walmart had done ) tried to search for an account for me under my name, my email, my phone number, my address, the date of the last charge and the last XXXX digits of the credit card. He could find no account, and said his hands and those hands of the person above him were tied as far as the charges- they could not stop the charges and I need to dispute with the credit card company. Credit card reversed the charges under case XXXX. ( XXXX ) I asked to close my account completely. Credit card company said they could not do because there were outstanding disputes on my credit card. I have letters in my hand from them for every case I have referenced above saying " At this time, we consider your case closed even if we provide you with additional information. '' ( XXXX ) I just received a letter dated XX/XX/XXXX from credit card company saying that they are going to recharge me for the XXXX charge under case XXXX because I did not answer every question on a very long form they sent me ( instructions were to put NA if question did not apply, which I did ). The charge reversals still hold however for XXXX, XXXX, XXXX, and XXXX... so why is XXXX any different? They told me in one conversation that the reason that they reversed the charges is because Walmart did not respond to their request for more info to prove the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-17
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX am aware that Equifax has grossly violated the Congressional Laws under 15 USC 1681b - Permissible Purposes of Consumer Reports. ( a ) In General : Subject to subsection ( c ), ANY consumer reporting agency may furnish a consumer report under the following circumstances and NO other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I NEVER gave Equifax or any consumer reporting agency any written consent to report anything on my consumer report and or file, which is in clear violation of my Privacy. No consent is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Fraudulent charges for added services were made by XXXX XXXX  XXXX XXXX for services unknown, not understood, and not to my consent. This collection has been opened through other previous collection agencies and has been removed twice from my credit reports. Now Aargon Collections Services has contracted this collection and claims this is verified. This is not a rightful collection and I refuse to ever pay this fraudulent debt ever. They are repeatedly calling my phone with a robot dialer harrassing me while at home and causing interuption at my work place.

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 2020-08-06
Company: Experian Information Solutions 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:
XXXX misspelled my name and XXXX  and experian can't get my correct addresses EMPLOYMENT INFO XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ADDRESSES REPORTED XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX address is correct wrong address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX wrong name spelling 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 2023-10-18
Company: EQUIFAX, INC.
State: AR
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: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to express my deep frustration and disappointment concerning the ongoing issues I have been experiencing while trying to correct late open accounts with Equifax and XXXX Credit Bureaus. 

Over the past few months, I have made several attempts to rectify the late open accounts that have been incorrectly reported in my name. Despite my persistent efforts, the situation remains unresolved. I believe it is essential to provide a brief overview of my attempts : I initially noticed the late open accounts on my credit report and promptly contacted your customer service department. I explained the situation and submitted the necessary documentation. I was assured that the issue would be corrected promptly. 

After not receiving any updates or resolutions, I followed up on the status of my case. I was informed that my case was under review and that I would be contacted shortly. 

To my dismay, I had still not received any updates or resolutions. I made another inquiry and was told that my case had been escalated and that I should expect a resolution within a specific timeframe. 

The timeframe for resolution passed, and I had yet to receive any communication or see any progress in correcting the late open accounts. I called your customer service department again, only to be told that my case was still under investigation, with no further information provided. 

This cycle has continued without any meaningful progress, despite my providing all necessary documentation and complying with your company 's requests. The late open accounts on my credit report are adversely affecting my financial and personal well-being. 

I kindly request the following : Immediate action to correct the late open accounts on my credit report.

Clear communication regarding the status of my case and the steps being taken to rectify the issue. 
A formal written acknowledgment of the correction of the late open accounts. 
Compensation for any financial losses or damages incurred as a result of these late open accounts. Please assist me to correct the accounts in my credit file : XXXX DEPARTMENT XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance {$1500.00} ; XXXX DEPARTMENT XXXX XXXX XXXX Opened XXXX XXXX, 2018 Balance {$1500.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: WA
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:
To whom this may concern, In accordance with the fair credit Reporting Act XXXX XXXX XXXX XXXXXXXX in the amount of 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 602 A. Section 2 : also states a consumer reporting agency can not furnish a account without my written instruction.

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 2018-02-26
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 
I NEVER had an account with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: NJ
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-07
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This letter shall serve as formal Notice of my Intent to file a Complaint with the Federal Trade Commission and the Consumer Finance Protection Bureau, due to your blatant disregard of the law. 

In accordance with the Fair Credit Reporting Act, the following creditors, XXXX XXXX XXXX XXXX Acct XXXX XXXX have violated my rights. 

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

15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 

15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: GOLDMAN SACHS BANK USA
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
Since XX/XX/2022 I been having issues with apple Goldman Sachs credit card. I have spoken to managers, provided documents to the the company, filed many complaints, and now they have closed my accounts because " i broke the terms of agreement ''. I called apple, they told me my account " may not be re-opened ''. 

I am BEYOND XXXX my {$7500.00} credit limit is gone out the window, my credit took a hit, my account was closed, I keep getting emails I owe XXXX dollars to the bank. How can I owe when I been asking for proof, what I owe, how, much I owe, why my account was closed, I have been VERY patient with this company, but this is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
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 XXXXXXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXXXXXX  Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief