BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : 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 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 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 XXXXXXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XX/XX/2020 I got hit with a hard inquiry from XXXX  XXXX. I did not apply for any card with them. This was never authorized by me. I didn't sign anything or sign up for anything. Just looking for this to be removed since it is inaccurate or fraud by someone trying to be me. I came here right away as soon as I was aware of situation. 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 explanation
Consumer complaint received 2023-06-30
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Debt occurred from identity theft and the collection company didn't even verify this account. XX/XX/2023, {$560.00}, law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX THESE ACCOUNTS PROVIDED NO CONTRACT OR NO SIGNATURE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: SYNCHRONY FINANCIAL
State: TX
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:
Synchrony Financial 's credit cards ' online account management system has a major flaw that can result in consumer confusion leading to mispayment of amounts due. 

Synchrony uses the same underlying online account management system across multiple products. As a customer for multiple Synchrony products, I discovered that the system does not correctly handle a customer closing an online account management session for one product and initiating a subsequent session for another product. 

Example : A user logs into their XXXX 's XXXX XXXX account, then closes the XXXX 's web browser window and opens a new browser window for their XXXX account and logs in. Even though the branding and account information will appear correct for XXXX, Synchrony 's system will still display the statement balance information for the XXXX 's XXXX account. 

Obviously, displaying the incorrect balance information to the customer raises the likelihood that the customer will pay an incorrect amount, leading to either underpayment with associated interest charges, etc., or otherwise overpaying. 

I reported this problem directly to Synchrony on XX/XX/XXXX and was assured they took the problem seriously and would address it as soon as possible. As of XX/XX/XXXX, I can confirm that this flaw still exists. I believe this is an unacceptable problem to leave unfixed as it exposes unwitting consumers to substantial financial consequences.

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 2023-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Despite me sending a police report stating that my card was lost capital one still decided to charge back charges because they didnt have anything to go off they wont release my savings

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: Nelnet, 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:
Nelnet Is using my copyrighted commercial intellectual property without permission. My name is my property and Nelnet does not have my permission to use it in any form or capacity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
I want to let to let you know that in my XXXX  company credit report, I have two delinquent accounts with Bank of America. I do not recognize the accounts in question because they are not correct, the reports shows I am delinquent in those two accounts I never opened. 
I arrived to the United States of America in XX/XX/2018, my residence was assigned in that date and gave my Social Security card was issued in XX/XX/2018. 
Before XX/XX/2018 I DO NOT have social security number assigned, no bank accounts opened or any credit cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
2 weeks prior to XX/XX/XXXX i bank with chime/XXXX they asked for a w-9 saying irs requested if i didn't submit my account would be closed. On XX/XX/XXXX my direct deposit was deposited and followed by account closure. this has happened to over 223 other people on same day. However i cant contact anyone through support nor will anyone respond to my emails, i am behind on loan and car note due to this inconvenience, i was told i would receive a check with remaining balance in mail within 30 days ... can you please help me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CBSA,XXXX Original Creditor XXXX XXXX Open Date XX/XX/2014 Balance {$2500.00} Debt {$2500.00} I called them to let them know that I didn't owe that. I was told by the realtor that I didn't have to pay at fees to break my lease cause my neighbor gave me bedbugs. I have a XXXX son who couldn't afford to get bit because he is high risk ...

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 2019-08-16
Company: Bull City Financial Solutions, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I request that BULLCITY FINANCIAL SOLUTIONS formally substantiate account data BULLCITY FINANCIAL SOLUTIONS conferred to the major credit bureaus for me, XXXX XXXX, with respect to the unverified BULLCITY FINANCIAL SOLUTIONS XXXX {$XXXX}. Since errors may be contained within in that data, I hereby request that your company collect and forward the formal validation within a month of receipt of this request. In addition please supplement with materials which verify that the account was not utilized as a profit-loss tax deduction after my time as a student. I need more than a summary one-sheet. Instead, I have demanded a substantive validation. Should you be unable to comply with my request during this reasonable period, any data disseminated from you to the major consumer reporting agencies must be considered counterfactual and may bespeak BULLCITY FINANCIAL SOLUTIONS desire to ignore consumer protection law. If this is the circumstance, kindly annul such bureau reports upon your next transmittal. 
Thanks sincerely for your assisting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EdFinancial Services
State: TX
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:
XX/XX/30 - Called EdFinancial to get a refund on payments made on my loans during the pandemic. I talked to XXXX and was told that I needed to wait to fill out application being sent out by the government around mid XXXX. Was told that I should be refunded for all of my payments made. So I was not able to submit a request for a refund. 

XX/XX/30 - Called EdFinancial again to request a refund on my loan payments during the pandemic. This time another representative, XXXX, was able to submit a request for a refund of {$11000.00}. However, they could not give me a specific date or time range on when I would get a refund. 

Overall was given mixed information on submitting refunds by two different representatives at EdFinancial. They were also not clear on a date range on when I should be receiving my refund and when they would reinstate my loans on FSA. Overall given two very different statements on refunds for my loan payments, and lack of consistency made it difficult in getting my refund for my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: EQUIFAX, INC.
State: CA
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'M HAVING ISSUES WITH THIS ACCOUNT APPEARING ON MY CREDIT REPORT AND CAN'T SEEM TO GET THE CREDIT BUREAUS TO REMOVE THIS ERROR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
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 crazy ... I have sent out a hard copy complaint as well as online compliant, because of several unrecognized fraudulent accounts : XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX. I have several fraudulent SS numbers showing on my credit report that do not belong to me. Please delete the following SS number : XXXX, XXXX, XXXX XXXX. This is the third time I have had this issue. I had filed a FTC report before to deal with the issue of fraudulent activities and someone using my name and ID. I use to live in XXXX  10 years ago I have been in XXXX FL since I have attached a copy of my ID and SS Card and a bill with my current and ONLY address. Please have them remove/delete the collection accounts immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID

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 2023-07-02
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, I ordered a pair of shoes from XXXX, and the package was supposed to be delivered to my apartment building. However, due to our building 's locker system being out of service for several weeks, the package was not delivered to the designated location. There were signs on the locker system clearly stating that all packages should be delivered to the recipients door. Despite my efforts to locate the package, including contacting my leasing office and thoroughly searching the premises, the shoes were never found. 

I have spent countless hours on the phone with XXXX. The only thing they will tell me is that they believe the package was delivered and there is nothing they can do to help me. I have also disputed this transaction with Synchrony Bank / PayPal Credit four times. They do not provide me with any information that would indicate why they are siding with XXXXXXXX XXXX The last dispute I submitted was not responded to. I learned by checking the status online that they had again sided with the merchant. 

The transaction in question occurred on XX/XX/XXXX XXXX XXXX The delivery company, XXXX, insists on a fallacious narrative that the package was delivered to a locker in my residential building. However, I have concrete proof from my building management that the locker system was indisputably non-operational on the supposed day of delivery. This glaring inconsistency exposes XXXX XXXX claim as fundamentally flawed and entirely baseless. 

To further highlight the absurdity of their claim, XXXX has failed to produce any tangible evidence such as a photograph or signed receipt to confirm their alleged delivery. Their failure to do so is not merely an oversight, but a critical failing that challenges the credibility of their assertion. For the avoidance of doubt, let me restate : I did not receive the package.

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 2023-06-21
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:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 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 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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent Experian, XXXX, and XXXX  dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts 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 explanation
Consumer complaint received 2020-07-16
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: Account status incorrect

Complaint:
Due to a temporary situation financially of having to care for and pay for my mother ( XXXX XXXX ) funeral and burial out of my own pocket and alone which caused me to have some late payments earlier in my loan. I have worked diligently to keep them up and consistently on time. I have never absconded and have been tirelessly in communication about the account. The agency ( XXXX ) agreed thru a goodwill gesture to update my account and I was told they would rid any late payments statuses to all 3 reporting agencies and late payments would state ( zero ) or none. This is extremely important now because I had a background check performed and this was revealed to my employer. It could jepordize my future employment and other current situations by this reporting. This damage would be irrepairable and permanent. My plan is to pay this account in full by XX/XX/2020 and have put things in place to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/XXXX XXXX, XXXX had money provided ( {$220.00} ) in my suntrust checkings account for a certain transaction that was due the next following day. I paid my bill to a creditor that was {$160.00} afterwards the next day but made an additional transaction prior ( that same day ) that was for a fast food place that I was covered for. Only 2 transactions. I was charged twice ( just afterwards Suntrust made my account go over ) for an overdraft fee for both in which I had funds still available. {$54.00} remains. Suntrust fails to remove both overdraft fees making it seems like I didnt have any money when i did. And Suntrust just charged another excessive overdraft fee.

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