BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 XX/XX/XXXX, I made 2 individual orders on the XXXX XXXX with the first order amounting to {$980.00} and the second amounting to {$1000.00}. Both orders included a cell phone trade-in box. After submitting back the phones, a credit of {$400.00} each was promised with the presumption that the phones were in good condition, paid off, and factory reset. On the XXXX XXXX, it is stated that {$400.00} was credited on XX/XX/XXXX, and the other trade-in was credited at {$400.00} on XX/XX/XXXX. The first credit is shown on my SynchronyXXXX XXXX account only on XX/XX/XXXX. The second credit was not posted to my account. Additionally, I had noticed a charge amounting to {$31.00} that I did not recognize with the same order number of the previous 2 orders that I did make. On XX/XX/XXXX I reach out to the online chat with SynchronyXXXX XXXX and initiate the dispute for my missing credit and suspicious transaction. On XX/XX/XXXX I receive a letter indicating that I " have already received the {$400.00} credit on XX/XX/XXXX '' but did not include detail about the other {$400.00} that is missing. I initiated an additional dispute on XX/XX/XXXX to indicate my missing credit along with the unknown charge of {$31.00}. The customer service representative assisted my to make a dispute for the missing credit and indicated for me to call a different number to make a fraud claim for the {$31.00} ; additionally they indicated the dispute balance was not to be calculated into my minimum payment until the investigation was concluded. After making the fraud claim, they indicated it will be reviewed. 
On XX/XX/XXXX I contacted the phone customer service support for additional detail and it was indicated that the investigation was concluded and the full balance was due ; additional information related to the " already credited {$400.00} '' went back and forth without consideration for the other {$400.00} that is missing. I requested yet another dispute and received an email letter on XX/XX/XXXX indicated that the dispute was open. 
As of XX/XX/XXXX, the full minimum payment is due and an investigation is supposedly ongoing. 

Note : My suspicion with the additional charge of {$31.00} is that this is an item within the 2nd order of {$1000.00} that shipped very late and charged an additional time once it was sent out. It is the same total cost with tax, but was already included within the original order.

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 2017-07-28
Company: EQUIFAX, INC.
State: FL
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:
I reached out to Equifax on
XX/XX/XXXX and I spoke to a manger and I advised him that the inquiries listed do not belong to me and I have no knowledge of them. Of course he advised me to call each one of them and ask for removal. I did contact each one and was left with nothing, each of them told me they had no knowledge of what I was asking and could not help me nor could they verify that I allowed them to run my credit. I called Equifax back asking them to speak to someone in fraud about this and they transferred me over to be told there is nothing they can do and creditors can run my credit when they chose. I know this is incorrect and they suggested a fraud alert but I am in the market for a home and do not want to do that. I have attached a list of the inquiries that the manager told me to call. Please assist me with removing these.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: EQUIFAX, 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:
I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a XXXX card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, Equifax has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29
Company: Mandarich Law Group, LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Creditor entered a abstract of judgment for {$11000.00} entered on XX/XX/XXXX and recorded on XX/XX/XXXX company is XXXX XXXX. Judgment was not ordered by court. This is for a debt that was trying to be collected back in XXXX. Was never made aware of the judgement and received no notification that the creditor was filing this judgement. This debt is over 10 years old. 

2nd one Creditor entered an abstract of judgment for {$2200.00} on XX/XX/XXXX and recorded on XX/XX/XXXX. XXXX ( XXXX XXXX   ) again not ordered by court and trying to collect on a debt that is over 10 year old.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NJ
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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX XXXX- ACCOUNT NUMBER- 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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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 2022-01-19
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

5. Identity XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE BANK USA N Account XXXX : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: CITIBANK, N.A.
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:
I had a girlfriend for 6 months, I moved back home, out of state and the primary card holder, order credit cards and also requested authorized user cards in my name. I have never seen or used the cards and had no knowledge of the cards being ordered. This was done in a attempt to get me, to come back, from out of state. She used both credit cards. And she became late, on her payments. I spoke with her and she had settled the debt and paid them off. The XXXX card account number XXXX and a Citi card number XXXX, was opened s well, with me as a authorized user. As a authorized user, I was never responsible for any debt, charged to these accounts. I have never enter into a signed or verbal card holder agreement as a responsible party. In addition I have never spoke with anyone for either of the creditors, with regards to receiving cards. These cards were issued by the creditors, without my permission and to date they have my personal information, without my consent and are reporting negative items, on my credit report illegally, as I have never entered into a agreement with either party..In addition, to that fact, when the primary card holder, became late on the payments, I never received any notice of me, being a authorized user or that the payments were late and/or past due. This is do to the fact, that the creditor, had no phone number or mailing address, because I never had any contact with them. 
The credit bureau has report these items on my credit report with a having any documentation or signed agreements, by all parties in hand as required by law. In addition, XXXX has reported items om my credit report, without verifying that the debt was actually my debt and placed the items on my report, from the creditor, on face value, because both parties a gaining enrichment from the negative items on my report. The credit bureaus is being paid to report the negative items and the creditor are party of a system, where each member ( s ) of the banking/credit system. Gain higher interest off of the negative items, place by their counter part, by charging higher interest. This is a conspiracy between the bank/creditor and the credit reporting bureaus.If there is no resolve with this matter, it is my intent to take this matter, to federal court and criminal court, to the fullest, extent of the law. Including damages.

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 2021-09-14
Company: LD Holdings Group, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In the last 2 months, Loan Depot has rejected my mortgage payments. This causes me a major financial crisis as I have to make another payment to Loan Depot over the phone. Both of these payments come out of my XXXX XXXX checking account. This is hard on me as I have to wait for the rejected payment to be put back in my checking account. I have called Loan Depot about 6 times and one customer service rep admitted to me that Loan Depot has done this to other customers. Three times I asked for a manager to call me back to resolve this issue and still have not received a call back. I feel Loan Depot is trying to force a foreclosure on me. For the first 5 months there were no problems with my payments. Starting in XXXX, Loan Depot started rejecting my payments. My bank account has not changed over this time frame. My account with Loan Depot has not changed over this time frame. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Diversified Consultants, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
First off the biggest issue here is that the original creditor XXXX XXXX XXXX never made the appropriate efforts to contact me to advise of the current debt which was partially paid. They have had all my current info and they had the incorrect address since I had moved and moved services to my current address. XXXX XXXX XXXX knew about this and I didn't receive a call or mail advising of this debt before it was sold out to this 3rd party debt collector. It was reported to the credit bureaus. Negatively affecting my credit score. I didn't have a chance to take care of this matter. Also the 3rd part deb collector made no efforts to reach out as well and I had to find after I checked my credit report. I been trying to come to an agreement with them but they are not being cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Bread Financial 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:
I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2018 XXXX XXXX / XXXX XXXX. I do not shop there. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: IL
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:
The credit bureaus are illegally reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The credit bureaus are illegally reporting inaccurate information on my credit 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 non-monetary relief
Consumer complaint received 2017-07-28
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
When we opened an LL Bean Visa Card 15+ years ago. We did it in my wife 's name. I was an authorized user. The income to pay the bills came from my salary and I wrote the monthly checks to pay in full our monthly Visa charges. My wife died on XX/XX/XXXX. On XX/XX/XXXX I notified Barclaycard of her death and asked to have her name removed and mine listed on the account. They said that they could not do that and that I would have to open a new account, which they did. However when they did because the credit history was in my wife 's name, and I had no credit history they would have to lower my credit line from {$9000.00} to {$2500.00}. We had a private loan for our fully paid mortgage and the only other credit card we had was XXXX and that was for only a short time. Our excellent credit history was no longer credited to me. Recently I shared this situation with a friend who was a retired bank auditor and he said that is illegal. " Designation of Accounts-12CFR 1002.10 ( a ) A creditor that furnishes credit information to a consumer reporting agency must designate : *any new account to reflect the participation of both spouses if the applicant 's spouse is permitted to use or is contractually liable on the account. Recently Barclaycard has increased my credit limit. ( I pay my bills on time ) However I still have no credit history. That is not fair! and it is illegal.

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 2022-10-06
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had opened a credit card in XXXX of 2022 with a bonus of {$750.00} being promised for completing a {$7500.00} purchase spend withing a given time frame ( Earn {$750.00} in rewards after spending {$7500.00} in eligible purchases within four months of account opening ). 

Having completed the requirement I had called in on XX/XX/2022 and confirmed with an account representative that indeed the requirement had been met. 

In spite of numerous attempts to resolve this non fulfillment of the promised bonus the company still has not credited the promised bonus offer by claiming that a certain purchase had been returned. I had explained that the said credit was processed without my consent. 

USbank did promise to escalate this issue with upper management and initiate a credit as promised yet this has not yet been fulfilled despite the length of elapsed time.

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 2018-01-06
Company: EQUIFAX, INC.
State: MS
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 sent numerous letters to XXXX, Equifax, and XXXX detailing the fact that my identity had been stolen and that fraudulent accounts had been opened in my name and reporting on my credit report. Despite the many certified letters I sent that was n't returned to me and the phone calls nothing has been corrected. I contacted XXXX and waited 1hour and 30minutes for someone to initially tell me they have n't received anything. Once I told them my certified receipt numbers she conveniently found some of my information but supposedly not all of it. I asked her how was it possible to get some of it but not all? She could not adequately answer my question. My name and SSN came up in the Equifax Breach as well as the XXXX Breach but yet no one wants to remove the inaccurate information. I sent letters to both the creditor and the reporting agencies. I reported fraud alert years ago nothing was done. Did it last year nothing was done. And when I finally talked to the representative she told me my police report was n't good enough. I said well what more do you want me to do? She was very nasty to me and not concerned about me the victim.

Company response to consumer: Closed with explanation