BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: UT
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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: SYNCHRONY FINANCIAL
State: WV
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:
My name is XXXX XXXX. I am writing about a problem my wife and I recently had with Syncrony Bank thru a Walmart credit account. The account is in my wifes name XXXX XXXX. The issue we are having is a payment of XXXX dollar was deducted from our joint banking with XXXX XXXX. In XX/XX/XXXX we made a agreement with Walmart collections to make a monthly payment in the amount of XXXX and we have paid that amount since by recurring payment without incident until now. On XX/XX/XXXX I became aware XXXX XXXX  released a ACH payment to them in the amount of XXXX. My wife and I both spoke with Syncrony Reps regarding why they withdrew a additional amount and we are not satisfied with the answers they gave because none of them make since. 
Also, we had stop payment reviews set up by XXXX XXXX and I can not understand why they released the funds in the first place without notifying either my wife or me. 
In closing, we would like our payment deposited back into our account because neither one of us authorized a additional payment of XXXX be released from our checking account. ThankYou!

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 2017-09-08
Company: EQUIFAX, 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 paid off XXXX in XX/XX/XXXX in full but it still appeared on my report. But it was fine, just still appeared when all other Medical billing companies came right off! I disputed it back in XX/XX/XXXX and since then it shows up as 'Derogatory ' in big red letters on 'XXXX XXXX and other soft draw agencies. Went through BBB And Equifax just gave me the soft shoe shuffle!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Hello, My name is XXXX XXXX XXXX XXXX. 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. Im trying to get a new couch and these items wheny get me approved. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade Commission and I also have enclosed copies of the Federal Trade commissions identity Theft affidavit Please delete the items as soon as possible.

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 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, Account # has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was alerted by my bank a new inquiry was on my credit report XXXX the XXXX XXXX for a application to attempt to open up a Capital one credit card which was not my.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted XXXX XXXX requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to XXXX XXXX to validated the debt as the credit bureau, Experian specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted XXXX XXXX the company they are collecting for they were not able to locate the account.

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 2017-06-25
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I got a student loan through XXXX XXXX XXXX XXXX to pay for a 12 week XXXX XXXX course through the XXXX XXXX. I did not receive the 12 weeks of XXXX XXXX education, job assistance, and the certificate that I paid for. I believe the XXXX XXXX is a scam and a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: Exeter Finance Corp.
State: PA
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 account has violated my rights. 
15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A credit or may not treat a payment on a credit card account under an open and consumer credit plan as a late of any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
CAPITAL ONE ILLEGALLY CLOSED MY ACCOUNT. 

I submitted a complaint in reference to Capital One 's failure to respond to my Cease and Desist and Debt Validation letters to the CFPB and they decided to close my account because I was exercising my right as the consumer/natural person and original creditor and demanding them to provide the proper verification pursuant to XXXX XXXX XXXX XXXX this debt is valid ; the adequate documentary evidence that I owe them anything. 

None of that contact information listed in their previous response is accurate. They have taken an adverse action against me which is considered discrimination under the Equal Credit Opportunity Act. Please note that I will be pursuing further legal action if this matter is not promptly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY
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 began having difficulty making my regular loan payments around XX/XX/XXXX. I was told at the beginning of XXXX during a conversation with an XXXX representative that my Perkins loan was eligible for partial cancellation due to the fact that I am a XXXX XXXX employed in a XXXX XXXX XXXX. I was advised during that conversation that any payments I had already made would not be able to be returned once the loan was cancelled for my completed years of XXXX XXXX. I was advised during that call and in subsequent conversations with XXXX representatives to fill out a loan cancellation form for the year I have already completed ( XXXX ) and to submit an application for loan forbearance for the year I am currently XXXX in ( XXXX ). I did not receive the application via email after the first call, when I received the application after contacting XXXX again I completed all required documentation and mailed it in as instructed to do so at the beginning of XXXX. I was told that I could not fax or upload the documents as XXXX XXXX would only accept the paperwork by mail. I contacted the company again at the beginning and was told that the paperwork had yet to be processed and was not given a timeline for when I would have any answer, it was suggested that I try again in a couple of weeks. While I waiting for that paperwork to be processed I was sent a letter from XXXX stating that my account has gone into collections. I again contacted XXXX and was told that the loan cancellation/forbearance paperwork had not been received and directed to contact the collections agency that was now handling my account. I find this to be absolutely egregious and deceptive behavior on XXXX 's part and I would like the appropriate action to be taken against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: IN
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:
Via the hack that exposed 137 ( approx. ) million US consumers credit data at Experian, I am apparently included. This is XXXX XXXX, 2017. I Just used their online portal to check, and my information is said to be included ( complaint portal at XXXX XXXX XXXX ). 
This is a complaint against Experian for failing to hold my data securely, and putting me, and millions of other American consumers at risk. 
This is ENTIRELY UNACCEPTABLE. We should not, in this day and age, even be using SS numbers as identification. This situation only drives that point home. But to have the very people supposed to be safeguarding that information leak it is beyond the pale. This entire model of doing business is looking worse and worse. 
I think I speak for a lot of frustrated consumers today when I say I demand something be done to 1. Punish Experian and 2. Make sure that this can not happen again.

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 2022-09-03
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Spring Oak Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX To : The Office of Registered Agent for Spring Oak Capital LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX Attorney General XXXX and The Better Business Bureau. You have XXXX days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. 
Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-06
Company: Netspend Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I sent the following email to " XXXX '' regarding their card I received. I called their customer service XXXX and could find no way to speak with a person without activating the card, which I did not do. Note the brochure comment about charging me for inactivity, which is exactly what I plan to do, no activity because I do not want their card. 
My name is XXXX. On Friday ( on the email I mistakenly stated Saturday ), XX/XX/2019, I received a Netspend " charge card '' ready for activation, etc. 
I request that you cancel this card immediately. I neither solicited this card, nor do I want this card for any use. 
In your brochure accompanying the card, you state that if I do not register and activate the card, you will begin assessing an inactivity fee. 
I will not activate this unsolicited card nor do I expect any charge for that. 
After I send this email, I will proceed to forward this information to all agencies interested in consumer harassment and abuse.

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 2018-05-19
Company: SYNCHRONY FINANCIAL
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Applied for a XXXX  XXXX card, I firmly asked if it would be SOFT credit inquiry, thy said yes. Few weeks later my credit score dropped 5 points because they did a HARD credit inquiry. After several calls and 3 letters from them they keep changing the complaint and refuse to answer why they did a HARD credit and not SOFT as they agreed to, and now they refuse to remove the HARD credit inquiry.

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 2017-09-08
Company: EQUIFAX, INC.
State: MA
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 was affected by the Equifax data breach. My personal information has been confiemd to be have been compromised. This includes name, DoB, SSN, State ID/DL #, address and potentially credit card numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-29
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have noticed that there have been 4 charges of $ XXXX monthly service fee to my checking account since XX/XX/XXXX. I am disappointed that I have never been advised about it, nor have I given any consent to it. I have been banking with Citi for almost 3 decades without any fees. I'm also deeply disappointed that for 3 decades Citi has been using my funds to make profit for itself at XXXX cost. It is not only inappropriate but also unethical to charge service fee even on top of all that privilege of using the client 's funds for free. 

As I researched this case, it turned out that my account was converted to Citi Priority package ( a name of a predatory product that Citi devised to charge high fees ) without my full knowledge or  without my explicit consent. I was able to revert it back to the regular Citi Baking account ( though I'm not sure if this is the original account setting I had been with for the last 3 decades ) on XX/XX/XXXX with only 1 month fee reversed. 

The mobile chat agent said she could only do one-month reversal as a one-time courtesy, but this is not the matter of courtesy. The account conversion was made without my knowledge and consent, so all the fees incurred during this period was illegal in the first place. It is only fitting & proper to reverse all fees ( total of {$120.00} ) immediately. Anything less than that is tantamount to racketeering. 

The chat agent said it was the best she could do within her capacity and suggested calling the bank, but when I called and got transferred to a supervisor, I had to explain it all over again to no avail. 

I would like to stress that the fee was illegal to start with because the conversion of my original account to Citi Priority package was done without my knowledge and consent. The full amount of total fees must be reversed immediately. This is a typical predatory banking practice. 

Sincerely,

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 2022-09-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experian po box XXXX XXXX, XXXX XXXXXXXX XXXX on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX  days and you are in XXXX of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 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 : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

Fraudulent Accounts : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : $ {$3800.00} Fraudulent Inquiries : Inquiry Name : XXXX. 
XXXX Date : 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 2021-07-13
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX  for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

Company response to consumer: Closed with explanation