BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-13
Company: SYNCHRONY FINANCIAL
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Robo calls after XXXX continues no one there this is an attempt to collect debt. Did talk to collector theatened i could lose my job. This so called debt a lost or stolen credit card was reported to sheriif and gov site identy theft. I talked to pay pal i talked to ban corp as money was taken from my checking and purchase i did not make were used illegally when my cards were stolen from my glove compartment my bank notified me and my checking mastercard debit pay frozen. the credit card when i got my statement showed XXXX dollars in illegal charges this i talked to loss and theft it was reveresed 11 months later a 3rd party bought this account is taking me to court Case Number XXXX District Court of Maryland XXXX XXXX Synchrony Bank XXXX XXXX XXXX . XXXX says I have no balance card lost or stolen. In addition i have had phone calls from robos. Can you help. 12 months ago i went throught the nightmare of identy theft and fraud now it has come right back. phone XXXX Federal Trade Commision identy theft filed XX/XX/2021 about Synchrony Bank Lawyer XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX Maryland XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXX age XXXX on social security, i am a XXXX XXXX  state of maryland work part time as a XXXX XXXX  licensed with 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 non-monetary relief
Consumer complaint received 2017-05-16
Company: Medical Data Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against  MEDICAL DATA SYSTEMS INC for reporting credit information to the credit reporting agencies that was a  result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
SO, I RECENTLY GOT CORRESPONDENCE FROM TRANSUNION STATING THEY REMOVED THE COLLECTIONS OFF OF MY CONSUMER REPORT WHICH I AM SEEKING REMEDY FOR. THEY ALSO RESPONDED BACK SAYING THAT THEY FOUND OUT THAT THE XXXX XXXX  INQUIRY WAS MINE. I NEVER STATED THAT THE XXXX XXXX INQUIRY WASN'T MINE, BUT THAT I DIDN'T GIVE WRITTEN CONSENT FOR IT TO BE ON MY CONSUMER REPORT. I DO NOT WANT REMEDY FOR THE XXXX XXXX DELETION, BUT I DO WANT IT REMOVED AS IT IS MY RIGHT AND UNDER THE LAW NO EXPERIENCES BETWEEN THE CONSUMER PURSUANT TO 5 USC 1681a ( 2 ) ( A ) ( i ) EXCLUSIONS from a consumer credit report clearly states : ( 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 ; PLEASE HAVE THEM FIX THIS PROMPTLY!!!

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 2023-02-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I checked my bank account and realized that there were several unauthorized Wire Transfers ( {$4200.00} and a couple others ) and one XXXX transaction ( {$990.00} ). I called my bank ( Wells Fargo ) immediately. They informed me that these transactions were initiated from my mother 's account who has joint ownership of my account because I had opened this account when I was a minor. They said that they would start a transaction and that the Wire Transfers had not been fully processed, and because I had called them in time, all the wire transfers would not go through. They said the XXXX transaction had gone through but they would work to recover it. All of this call is recorded somewhere at Wells Fargo ( but not on my end ). I was skeptical so I asked them to confirm at the end of the call that the XXXX Transfers would not go through at all and they confirmed this. 

They helped me reset the username, password and account number for both my and my mother 's account. 

On my new account number, the XXXX transaction and one Wire Transfer ( {$4200.00} ) popped back up as " Pending ''. I called again on XX/XX/XXXX saying that the Wire Transfer should have been stopped. They assured me that it was normal and the investigation was ongoing. 

The Wire Transfer then went through despite being promised that it would not. XX/XX/XXXX they have completed their investigation. I called for the 4th time. Wells Fargo told me they were not able to recover the funds from the bank it went to because the funds are no longer there. They have not investigated any further, and have not looked into what banks the funds went to after that last transaction. They said due to their terms and conditions, they would not be taking responsibility for any of the lost funds.

Wells Fargo was deceptive in telling me that the Wire Transfer wouldn't go through and was negligent and did not reach out proactively to freeze the bank account that the money was being transferred to and also did not follow up down the chain when the money was transferred out of that account. 

XX/XX/XXXX I called XXXX XXXX  ( the recipient ) as well to see if they would help at all. They said they would start an investigation and call within 24 hours. 

I appreciate all and any help that you can give, thank you!

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please make an action to update the following items immediately : 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 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 2021-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2021-08-04
Company: FC HoldCo LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I submitted letter to the bureaus to get this information corrected and nothing was received. I also sent information to the creditor nothing was received.

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 2023-07-14
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
To whom it may concern, On XX/XX/23 I made an ACH payment to OLLO, a credit card company, to pay off my credit card, which totaled {$3700.00}. When I tried using my card to purchase food at a grocery store, the transaction was declined. When I called OLLO, they explained my account was on " Restricted Mode '' because decided they wanted to flag my account for having made a large payoff transaction. They said " it was an unusual pattern. '' The number I have called is XXXX, where I was transferred to a " Dispute Engagement '' department. Upon speaking with a representative, they verified my information but claimed when they tried to verify if the my bank account through XXXX bank, my bank would not supply proper verification to their standard. This was very alarming since I have made many payments for up to a year using that same bank account. 

One representative stated I can fax or mail a letter of authorization to OLLO, then another representative stated " only XXXX bank '' can fax or mail a letter of authorization on my behalf. This is a type of client/attorney requirement that is unusual. This was confirmed when I spoke to a banker from XXXX on XX/XX/23, he stated that XXXX bank does not send or fax any such letter, that the only thing they can do is print out a " Deposit Account Balance Summary '' that shows my bank account number, name, and a stamp from the local bank where the document was produced. 

Today, I called OLLO and they refused to accept the only paperwork that XXXX can legally produce per their request. The OLLO representative insisted on a letter with specific words that XXXX bank does not supply any of their customers for account verification purposes. 

I believe the credit card company, OLLO, is not happy that I paid my account and they do not let me access my online account. Their claim that the payments may be coming from an unauthorized account is bogus as evident of today 's autopayment charge they made to my account for the amount of {$120.00}. 

If they were concerned about fraud due to the size of the payment, why did they accept it then restrict the account? If they are concerned they account I have been using for the last 12 months is not mine, how come they processed an autopay today? If they were really concerned for fraud, why did they still process the large payoff amount? 

Please help. Thank you so much for your attention to this matter.

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 2021-08-04
Company: Resurgence Legal Group, PC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity theft after Resurgence Legal Group ( representing XXXX XXXX XXXX XXXX sued my bank account. Soon after, I filed an FTC ID theft report and a police report, trying to resolve this matter. I believe that I have never had any outstanding debt with XXXX XXXX XXXX and I have never any type of communication regarding this fraudulent account. I was never served to attend the court and defend myself on this matter. 
I have tried to dispute this ID Theft issue with Resurgence Legal Group and XXXX XXXX, hoping to remove this case .However, we have not come to an agreement on this. Therefore, I'm filing this complaint to get further assistance from the Consumer Financial Protection Bureau. Hopefully, we can resolve this matter in a peaceful manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
As of XX/XX/XXXX, my XXXX XXXX card was switched from XXXX XXXX XXXX to Comenity Capital Bank. I called XXXX on about XX/XX/XXXX. I was told that {$680.00}. XXXX in rewards were about to expire and they sent me a check. Not certain of the date of the phone call but I received the check in the mail, and it was deposited in my account on XX/XX/XXXX. I was told that I had to more checks that would be mailed to me after the switch to Comenity Capital Bank is completed. They gave me the amounts of {$580.00} and {$480.00}. I called on XX/XX/XXXX, because I never received the checks. I needed to then file a dispute. I called again on XX/XX/XXXX, and was told it could take up to 90 days to be resolved. I called again on XX/XX/XXXX, and again on XX/XX/XXXX. I was told that it could take a long time because XXXX XXXX XXXX should have sent me those rewards before the switch took place and not Comenity Capital Bank Before the switch took place, I received a letter stating that nothing would change with my card including rewards. I want what was promised when applied for this credit card, I want my rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Fraud Alert has incorrect phone number on file. REMOVE XXXX XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING 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 2021-08-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My father and I ( his son ) are applying for a mortgage with Chase Bank to purchase a XXXX XXXX  property. We sent in the documentation that was requested by Chase Bank in early XX/XX/2021 and we did not get a response to any of our questions or a status update until XX/XX/2021 which caused us to miss our mortgage approval date requirement by the seller. There have been multiple occasions Chase Bank requested documentation that was already submitted or requested documentation that should have been listed on the initial documentation request. This is delaying the entire process which forces me to pay for unnecessary items ( Property Insurance, Title Insurance, etc.. ) that I will not recover. I have been involved with multiple mortgages through a variety of banks and this is by far the worst experience I have had. The delay of the mortgage closure is preventing me from making future financial decisions and is increasing the risk of the seller withdrawing from deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
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 is missing that should be on the report

Complaint:
Im submitting this complaint to you today to inform you as well as the Credit Reporting Agencies that I am a the victim of identity theft. I conducted a research on how to remove the fraudulent accounts and information from my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b, the Credit Reporting Agencies are required to remove any accounts and inforamtion that are listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX Balance - ; XXXX XXXXXXXX Balance - ; XXXX XXXX Balance ; XXXX XXXX Balance {$320.00} ; XXXX/XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX, XXXX ; and XXXX - XXXX XXXX  Inquired on XX/XX/XXXX. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-28
Company: EQUIFAX, INC.
State: AL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 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 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 explanation
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX in XXXX XXXXXXXX florida double charged me {$80.00} on XX/XX/22. I contacted my bank. Wells Fargo to dispute the double charge. I was then told the case had been closed because the retailer told them the charges were made and proven? At the time of service the retailer told me my card did not go through although it did and I re ran my card therefore was double charged and have the statement to prove it.

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 2017-05-16
Company: AES/PHEAA
State: MN
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:
I started repaying my federal student loans on  XXXX / XXXX / XXXX  and signed up for th e Public Student Loan Forgiveness program shortly after that came out. I asked my loan service venders & PSLF p rogram on more than a dozen occasions, dates would be documented in their records of call history, if I was doing everything right to be qualified to have my loans forgiven in 10 years as PSLF program requires. I asked if I was in the right forgiveness program plan which I was told each time, yes. In  XXXX , when I double checked with PSLF program and my federal loan service vendors what the date was my federal loans would be forgiven, they stated that from  XXXX , I was not making payments under the correct repayment plan to qualify for PSLF program. I made approximately 6 years of on time payments under a repayment plan that did not even qualify for forgiveness when I was told i was doing everything correctly. That is approximately  72  payments. Thousands of dollars later, and in  XXXX , i immediately switched to an income contingent repayment plan and have been submitting annual renewal paperwork and making on time payments under this plan. I feel I was misguided and cheated out of thousands of dollars. I can barely afford to live being a single income dependent person, struggling with so much student loan debt, that I 'm not sure what else I can do to get out of this financial hardship. If I would 've been informed correctly, I would be having my loans forgiven. Please help and guide me in what i need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have called several times to  XXXX ,  XXXX , and Equifax and asked them to remove the hard inquires off of my credit report. I did not submit those inquiries. I have called the companies that they said to and they have absolutely no record of me doing it which means they have nothing to send to the credit bureaus to take them off.  XXXX ,  XXXX , and Equifax all refuse to take them off.     I am thoroughly frustrated with this! I want them to be taken OFF. All  XXXX  agencies have been completely uncooperative with this issue.

Company response to consumer: Closed with explanation