BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-08
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:
THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT THEY DO NOT BELONG TO ME SOMEONE USED MY SOCIAL AND PHOTO ID TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRAs. On XX/XX/2020, I mailed Equifax, XXXX XXXX XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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:
I called XXXX  today XXXX XXXX I spoke with an representative. I mention to him my rights under USC 1692 stating that I did not owe debt on my collection account. I also mentioned that this information was false and it was not my debt. The Representative pulled up my account and stated to me that the debt was verified as being mine. I mention to him according to USC1602a that I was an administering agent of my credit card ( SocialSecurity Card ) and that I do not own any debt attached to it. I also have to return this SS card at the SS Administration request.I mention to the representative to lookup USC18 A it will provide him the information I was giving him. He mention that the debt was verified. I mentioned to him that according to USC15 1681e to investigate a debt or verify they needed to do an investigation. They, never have investigated with any neighbors, friends and associates of mine the consumer. At this point he told me to hold on the phone i waited on the phone And he never returned. The phone went to another representative, and I explained the same to this respresentative he was very hostile towards me telling me that the debt was mine and thats why its on my report. I stated to him according to Usc1681b ( a ) According to written instructions, that I never gave Experian any written permission to furnish any information on my credit file. This agent placed me on hold then the called was dropped.

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 2021-10-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing jp morgan chase services

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: SYNCHRONY FINANCIAL
State: TN
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 account has been paid in full for several months. It has been noted as " Account paid in Full ; was a Charge-off '' on XXXX, but it just listed as a charge-off with no notation of being paid in full on Both XXXX and XXXX. 

I have tried contacting both credit bureaus about this, as well as Synchrony Care Credit, asking them to have it noted as " Account paid in Full ; was a Charge-off '' across all three credit bureau reports. If they can report it to one, there is no reason the ca n't report it to all. 

I have confirmed that all three credit bureaus allow this status to be noted on accounts. 
I 'm attaching proof of how it appears on my XXXX report, which I pulled on XXXX/XXXX/2017. 

This has been paid in full and should be noted as such on all three reports.

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 2022-04-06
Company: SANDY SPRING BANCORP, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I found out in the process of trying to refinance in XX/XX/XXXX that Sandy Spring bank with whom I have a mortgage erroneously reported my account 30 day late. They apologized as soon as I brought it to their attention and sent me a copy of the letter sent to the XXXX credit bureaus. I have been working with Sandy Spring to clear this up ever since. I was told few days ago that it had been fixed and also received a letter in the mail to that effect. To my surprise, I pulled my credit yesterday XX/XX/XXXX and the late reporting is still showing on there hence reaching out to you guys. I've also mentioned to them that I will be filing this complaint today because I have nowhere else to turn. I have not been able to refinance due to the negative reporting and interest rate has gone up exponentially from XXXX when I noticed the late reporting and brought it to their attention till now. I will really appreciate all the help you can render. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-07
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I attended XXXX XXXX University from XXXX - XXXX, and I took both Private and Federal subsidized and unsubsidized loans. The school then closed after the XXXX school year. 

In the fall of XXXX and XXXX of XXXX, two of my fellow nongraduating classmates each received letters from the US Department of Education stating their loans had been discharged by a " Closed School Claim ''. Additionally they received checks returning any payments made toward the loans. I made several attempts to contact my loan lenders ( Navient and XXXX XXXX XXXX, and they both failed to provide any clear resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
i am a victim of identity theft, my personal information was use to acquired XXXX XXXX credit cards. The name appear on XXXX is not my correct name. Please investigate in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: ADP Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On the night of XX/XX/2022 I noticed that there were XXXX transactions that were not made by me and I immediately contacted the number that is found on the back of my prepaid debt card. When getting connected to a representative I inform them of the XXXX transaction that occurred and I was then told that they are going to open a dispute claim for me on the XXXX transaction and that I will hear from them when the investigation is over. Today being XX/XX/2022 I recieved a email that the investigation is complete and that they have came to the conclusion that there was no error found and that I will not be credited the money that was used in the XXXX transaction that I reported were not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I requested a payment extension for XXXX and XXXX, assuming the bill would be due in XXXX. I was given the extension for XXXX and XXXX instead, bringing my balance to XXXX to be double what is supposed to be and shocking me. I have tried calling XXXX and get hung up on multiple times. I do not need this to report late on my credit report and you have been ignoring my request to change the due date multiple times already. Awful customer service. You are going to ruin my credit score. Late charges too but was told I wont incur late fees until its 10 days past due. Not receiving statements in the mail on time. Can not speak to anyone. I want this late fees removed and do not report my payments late! Change my payment due date as well. Terrible. Will never buy XXXX in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My PayPal account has now been permanently limited for the second time without any valid reason, I have not been doing anything fraudulent or that would pose a risk to the platform in any form or way and this is honestly frustrating as I use PayPal on a regular basis. The email associated with my account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was a victim of identity theft from someone who has stolen my accounts info as well as my personal info I reported to them they said that it wasnt valid. Bank accounts and credit cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-08
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I am a military member of the XXXX XXXX in XXXX XXXX XXXX   abroad. 
To receive my salary, I have a bank account at the XXXX XXXXXXXX XXXX in XXXX, USA. 
The transactions are made between this account in the US and an account, also in my name, in XXXX. 
On XX/XX/2020, I created a transfer from the US to XXXX, worth USD XXXX, which discounted the fees, would be at the date XOF XXXX via TransferWise. 
The confirmation of such transfer is attached, which includes the transfer code, my identification code, the partner bank, the destination bank, the values and the date. 
The planned date of completion of the operation was XXXX XX/XX/2020. 
The allegation is an international policy against dirty money of illicit origin. 
After the problem, TransferWise offers imprecise advice, slow, eluding end avoiding responsibilities. 
On XX/XX/2020, TransferWise sent a message announcing the interruption of XOF transactions, also attached. 
I have not been prompted to submit documentation that attests or supports the suitability and lawfulness of the money involved. This is my monthly salary. 
TransferWise does not direct me and does not offer me subsidies for a lawsuit, such as - documents questioning the reason for the refusal of the money, - date of refusal of the money and name of the partner who refused, - tracking of money, - names of partners, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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:
I NOTICED ACCOUNTS ON DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION OF MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED IMMEDIATELY.

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 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX collection for {$540.00} was removed and reinserted from all 3 bureaus and I never received a reinsertion letter. 

1. Transunion XXXX XXXX removed XXXX XXXX reinserted 2. XXXX XXXX XXXX removed XXXX XXXX 3. XXXX XXXX XXXX removed XXXX XXXX reinserted According to : 15 US Code 1681i - ( A ) ( 5 ) ( b ) ( ii ) If an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. 

I never received the reinsertion letter so I am asking that the account be permanently removed.

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 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Last year I discovered a false account with Capital One reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but Capital One denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but Capital One refuses to stop reporting. Please investigate and help me resolve this issue. There is no way XXXX willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: CITIBANK, N.A.
State: OH
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:
I am contacting your agency because I need your help in disputing some charges done on my Mastercard XXXX XXXX XXXX XXXX Citibank credit card by a fraudulent company. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate a all charges done on my card by a company called XXXX XXXX XXXX charged on XXXX/XXXX/2016 {$3000.00} and the have been charging {$99.00} per month since XXXX last year. I paid them after their persuasive salesperson made me promises of a very profitable online business.. I never made a penny.They kept saying how important their services were and would bring traffic to my website. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with the company and get my refund but they ignored my requests.I know its been a long time but I need your help in trying to contact my bank so they can open an investigation please. Thank you in advance.

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 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After finding out a XXXX XXXX security breach and learning that I was affect by the breach I received an alert, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that three account had been placed on my TransUnion report. After checking the alert I notice that I did not own these accounts. I have no idea what and who these account are. There is no contact information for these two accounts. The XXXX XXXX XXXX. are already on my account ; why are they reappearing? Recently I disputed the SOL status on this account in question. A print out is provided in the drop box. I did call TransUnion, talked to a rep which stated that he did not see the accounts on my credit report. If this is not true, I am trying to prevent them from hitting my report.

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 2022-03-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Experian breached my account and now my SSN is on the dark web. They are suppose to provide FREE monitoring of my credit accounts due to their fault of breaching my private information. I am a XXXX and don't have time to follow up on incompetent reporting-that should be your job. They decided to charge me for a membership and refuse to remove it or reimburse me. I called them XX/XX/2022 and notified them of this. They just hung up. Tired of their manipulation. Can you not take action to protect the citizens of their flagrant actions. I don't have time to babysit and enforce the perform their jobs. Again that is your job. They need to be fined for incidences like this. Please take care of this. Also XXXX continues to report decreases in my credit usage due to daily use of my credit cards but fails to report when my credit card usage increases, when the credit cards are paid off. For instance they say they update daily, which is false, because Experian reports the decreases a week prior. The CFPB needs to step up and take action to protect the citizens and start fining and penalizing these incorrect actions. These inaccurate reports affect my business. Do something rather than just send letters and cater to their incorrect reporting and misinformation.

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 2022-04-06
Company: Synovus Bank
State: DE
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:
XXXX XXXX credit card Has recievd my remittance payment / coupon XX/XX/XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX They have not credited the payment & continue to demand payment and report account deliquent which is hurting my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XX/XX/XXXX, we filed a complaint against XXXX XXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Experian Information Solutions 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:
I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, XXXX, and Experian. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : 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 explanation
Consumer complaint received 2017-12-26
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:
I have been a victim of fraud and identity theft and have made this known to the 3 credit agencies XXXX XXXX, Equifax, and XXXX. However they are reporting errors on the credit report and profile they have set up for me. 

I have repeatedly asked for evidence of the verifiable proof to support the reporting, but yet again, they have failed to provide me with a copy of any viable evidence submitted by any of these creditors substantiating their claims. These negative events that are being reported by their agency are erroneous and false. Furthermore, I have also requested their method of verification, and they have not complied, which is an additional violation of the Fair Credit Reporting Act. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: DISCOVER BANK
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
I took out a bar loan from discover in 2014. The TILA disclosure stated the loan was not dischargeable in bankruptcy which I have since read in the news is not true.

Company response to consumer: Closed with explanation