BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-05
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:
I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: SYNCHRONY FINANCIAL
State: WI
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:
We have been a user of the Sam 's Club credit card for a few years and have various annoyances but this was by far the worse. We were approved for a certain credit limit, we made purchases up to that limit and then we paid the balance prior to the due date. Because the payment was large, Sam 's Club credit applied the payment, the money was taken from our financial institution BUT Sam 's Club credit is holding the payment for 7 days. Because we made a large purchase ( and paid for it ) we do not have exce ss credit to be able to continue to use the card. This is a huge annoyance and we will never rely on this card for anything important. Talking with the company did absolutely nothing and all they did was indicate that it is within their 'rights ' to hold the payment. Horrible customer service and horrible mismanagement of an account that has always been in good standing.

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 2023-07-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My business ( XXXX XXXX XXXX XXXX ) is in the process of a buildout for a move to a new office location. XXXX is a vendor we've been working with. They are providing several things for our upcoming move. This transaction was related to the lighting for our XXXX XXXX. It is a division of XXXX called XXXX XXXX. My XXXX needed the products within the next couple of weeks so I needed to complete payment so they would ship the product. My contact at XXXX for this part of the project is XXXX XXXX. Also copied on the communication is someone at XXXX named XXXX XXXX. XXXX emailed me on XX/XX/XXXX to send the invoice and see if I had any questions before payment. XXXX minutes later I received another email that appeared to also be from XXXX XXXX. This one had the same display name, logos, and email signature, but apparently was fraudulent. The fraudulent email was even attached to the real email in the same email thread. This email asked to send ACH details. I responded that they could go ahead and send the ACH details, and the next email provided those details. Unfortunately, we did send the full amount, {$51000.00}, by wire transfer. We did not find out about the fraud until Friday, XX/XX/XXXX, when XXXX called our office asking about the payment. 
We have reported this to the XXXX police department, and have also filed it with the FBI at XXXX and have filed a report with the XXXX XXXX. We contacted our bank, XXXX XXXX, immediately when we realized the issue, and our banker tried to recall the funds but since it had been a couple weeks she was unable to recall them. She told us she was contacting the receiving bank, Chase Bank, to see if they can do anything but they could not or would not recover the funds. When I tried to call Chase Bank about this issue I was told they would not discuss it with me and would only communicate with my bank. I feel that since the person committing this crime was using a Chase Bank account to receive the money Chase Bank should be willing to find a way to recover the funds and help us. 

Thank you in advance for anything you may be able to do to help us recover this money. We are not part of one of the big national chains. We are an XXXX XXXX XXXX, so a financial loss of this amount is devastating to us. If there is any additional information that would be helpful do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accounts 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 these items of information Any other adverse items 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 explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5000.00}

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 2022-09-30
Company: Experian Information Solutions Inc.
State: MI
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:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2022-12-05
Company: EQUIFAX, INC.
State: GA
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 the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act These accounts have violated my rights : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX *XXXX  XXXX 15 USC 1681 section 602a states i have the right to privacy & 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instuctions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 11th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX IN XXXX Balance : - XXXX  XXXX XXXX, XXXX. XXXX Balance :- XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy discharged Date filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2022-10-15
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was called repeatedly from synchrony bank to collect a debt after I had told them I had lost my job due to Covid and was trying to make payment agreements with them. 
They called me close to XXXX times after I told them please dont call me while Im at work and told them the hours I worked they continued to call me while I was at work and leave voicemails. I paid one of my synchrony bank accounts off via a settlement agreement and they entered into a settlement agreement with me regarding another one after I started paying on the second settlement they backed out of the settlement agreement. They refused to accept any payment plan when I attempted to pay them initially and continually harassed me and doc my credit each month by reporting that as delinquent. When they were paid off in a settlement for one of the accounts. And the second account they had been partially paid for the settlement yet they still report that debt inaccurately. I told them I was affected by Covid and I asked to have my debt deferred which they refused to do. And they continue to report one account as not settled and it was settled. From XXXX of last year synchrony bank called me numerous times leaving voicemails using A Robo dialer to harass me while I was at work.

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 2021-05-26
Company: Experian Information Solutions Inc.
State: MI
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:
We had to go through a XXXX XXXX bankruptcy in XXXX. Since then, all 3 credit reporting agencies have reported my XXXX XXXX XXXX serviced through XXXX ) as being closed and/or discharged. This account was never discharged in the bankruptcy and we still continue to pay on it monthly and it is current. 

My understanding is that student loans are one of the few accounts that are not discharged/closed in bankruptcy and yet all 3 reporting agencies refuse to acknowledge this. I have disputed this TWICE with each agency XXXX Experian only once XXXX and each time they say that their information is accurate and continue to show it as a closed account. 

I have contacted XXXX several times regarding this and they assure me that they are reporting my payment and balances each month to each reporting agency. There are technically 2 accounts with XXXX that have different balances and both show on my credit report as discharged/closed. 

As we try to rebuild our credit, we can't see to get this item corrected on our credit report and it affects us adversely.

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 2018-05-02
Company: Experian Information Solutions Inc.
State: IL
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:
On XX/XX/2018, I read an alert from my bank, XXXX XXXX Bank, that XXXX XXXX Bank reported my credit card account as " Charged Off. '' Per the alert from my bank, dated XX/XX/2018, XXXX XXXX XXXX  reported the account as Charged Off on XX/XX/2018. I called XXXX XXXX XXXX  at XXXX and spoke to a representative who said her name was " XXXX at extension XXXX. '' XXXX said that the account would have been reported as charged off due to late payments. However, after she reviewed the account, she confirmed I have not had any late payments. XXXX asked to review the account again and consult with a supervisor. After, she said the account was reported as Charged Off because a payment was returned resulting in the account being closed. She said XXXX XXXX Bank reports accounts as Charged Off when they are closed due to returned payments even if payments are made on time before and after the returned payment. I asked to speak with a supervisor who introduced herself as XXXX. XXXX confirmed what XXXX told me and said, put me on hold to consult with the " Concern Dept. '' and returned to the call to tell me there was nothing anyone could do to help me. I asked XXXX when XXXX XXXX Bank charges off accounts, and she said when they are 180 days late. I asked her if my account has been late, and she said no. I asked her how XXXX XXXX Bank can legally report my account as charged off if my account does not meet the criteria, and XXXX said there are other reasons that accounts can be legally charged off which includes the reason why XXXX XXXX Bank charged off the account. XXXX transferred me to her manager. The manager said that his name was XXXX. XXXX barely listened to the issue but did confirm that the account was charged off and reported as such because a payment was returned resulting in the account being closed. XXXX said that XXXX XXXX Bank followed federal laws when they charged off and reported the account as such to the credit bureaus.

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 2023-10-05
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was closed after I deposited two checks on XX/XX/2023. I got the two checks from auto dealership because I sold two cars. Chase said they will mail me the cashier check at XX/XX/2023. But they did not ship out yet. The amount are XXXX buck. I need the fund to pay my house payment and my credit card. All my money is in this bank. If I can NOT get that money, My house Payment will be late pay. If I still no pay the house payment, My home will be auction. I have XXXX kids. They are XXXX and XXXX years old. I do not want my kids to be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account 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 explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, 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:
n accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 
15 u.s.c 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 XXXX  XXXX XXXX # XXXX

Company response to consumer: Closed with explanation