BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-13
Company: OneMain Finance Corporation
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/2023 One Main Financial contacted my parents about a debt I owe. They told my parents they need to talk to me about a past due debt I owe them. This is very embarrassing, and if I understand the federal law correvtky, what they have done in discussing my debt to my parents violates Federal Law. They have also not ceased to call me numerous times a day for weeks now concerning this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: EQUIFAX, INC.
State: IN
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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SYNCB/LOW has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The account ( s ) XXXX along with the creditors name : XXXX XXXXXXXX XXXX and/or XXXX XXXX XXXX XXXX are falsely added to my credit report without my prior knowledge. The mentioned details are incorrect and I would request you to revise the report after due diligence. I have XXXX have always had XXXX ( Government Insurance XXXX and have never had a charge to my credit regarding an ER visit, so there is no reason this charge ever reached my credit at all. 
I request you to clear my credit report as soon as possible to help me continue business. 
I am attaching the required documents [ payment receipts, payment records, and other associated documents ] with this letter so that you can verify the details and support my position. 
Please look into this matter and do the needful as soon as possible. 

Regards, 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 2023-01-13
Company: SYNCHRONY FINANCIAL
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:
This particular account was supposed to be draft out of my account. There was a billing error that caused credit reporting to be showing ( 2 ) 30 day lates. My account has never been 30 days late.

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 2021-11-05
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX {$4700.00}, XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$10000.00}, XXXX XXXX XXXX, XX/XX/XXXX {$57000.00}, XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XX/XX/XXXX {$6800.00}, XX/XX/XXXX XX/XX/XXXX {$6800.00}. I have contacted each creditor listed in this comment about these accounts. I have filed an ftc report and they still have refuse to remove these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am currently on XXXX and receiving funds from the state of California. the Process requires the monies be deposited to Bank Of America XXXX Pre-Paid Cards. My Issues Is with Bank Of America and how they Manage the account. More Specificly the fact that they are restricting access to funds for an additional day from the date of the deposit is issued by California XXXX, additionally may Pre-Paid Card had expired and they didn't not send the replacement in a timely manner causing an additional delay of 10 day to gain access to my funds as they do not allow for transfer to another financial institution with out a valid debt card.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I had contacted TransUnion, XXXX and XXXX to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. XXXX has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to TransUnion, XXXX andXX/XX/XXXX neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. 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 2022-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
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, this creditor has violated my rights under 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 under 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 2019-04-26
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2016, this debt for {$650.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a )  ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX {$3800.00} XXXX {$1400.00} XXXX {$2300.00} XXXX XXXX {$960.00} XXXX {$45.00} XXXX {$48.00} XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023 at XXXX I contacted Wells Fargo regarding a transaction with a person that Ive been having issues with. So I explained to the representative that I placed a down payment on a car for {$3000.00} on XX/XX/XXXX and a few days later I contacted the person letting them know no longer needed the vehicle and Id like my money refunded as they had stated in a previous message that the deposit was fully refundable. I told the representative that I had no problems sending in the text message between me and the person that stole my money, she said it isnt needed because the calls are recorded. The dispute was filed XX/XX/2023. I call the next day XX/XX/2023 at XXXX to speak with a representative in their claims department they claim that my provisional credit would be posted XX/XX/2023 by a certain time. XX/XX/2023 at XXXX I call their claims department again and they tell me that the representative shouldnt have told me that I would be receiving a credit and they dont cover these kind of transactions and they read me something from a very obvious script because I called 3 times and they all said the same thing. Also how are they able to investigate within 1 day when Ive had this issue occur with another transaction for {$400.00} and they refunded me my money after 10 days into the investigation, so at this point they simply dont want to credit me my money back or even investigate because of the amount, and cashapp is telling me I need to contact my bank to get my money back but they arent willing to help me get my money back at all they are denying me.

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 2019-04-26
Company: Mr. Cooper Group Inc.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello -- This complaint is in regards to a Loan originated with XXXX XXXX and then transferred to Mr Cooper mortgage servicing. Over the past two months, I have made a series of inquires about a principal reduction payment I made shortly after closing on this loan. 

Here is a summary of my case. 

- I closed on my mortgage with XXXX XXXX on XX/XX/XXXX. 
- Servicing of my loan was transferred to Mr Cooper in late XXXX or so. 
- I submitted a principal payment reduction in the amount of {$57000.00} from the proceeds of my home sale to XXXX XXXX. It was cashed on XXXX. 
- I contacted Mr Cooper 's customer service hotline on XX/XX/XXXX, after not seeing this credited toward my balance. I was told it would be passed to Research, but I never heard back. 
- I emailed the Research Department on XX/XX/XXXX. 
- On XX/XX/XXXX, the XXXX dollars in payments were posted to my account effective XX/XX/XXXX. The sum was split into a monthly payment ( XXXX ) + principal paydown ( XXXX ). The monthly payment was applied first, meaning the interest rates were not adjusted according to the principal-reduced amount. 
- Also on XX/XX/XXXX, I received a response stating that my concerns had been addressed and the payment had been posted. 
- I replied on XX/XX/XXXX with my complaint about the interest payments not being adjusted ( described above ). I received receipt-of-confirmation email. 
- I followed up on XX/XX/XXXX, with a picture of the check. I received receipt-of-confirmation email. 
- I followed up on XX/XX/XXXX. I received receipt-of-confirmation email. 
- I followed up on final time on XX/XX/XXXX. I received receipt-of-confirmation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and received a Chase Sapphire Preferred credit card. The promotional offer promised a waiver of the {$95.00} annual fee for the first year. On my very first statement, they charged the fee. 

I contacted the company to request the waiver, and included a screen shot of the offer. They replied, " [ We ] apologize, but we show that the offer applied on your account doesn't have a first year annual fee waiver '' without any other explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-04
Company: Experian Information Solutions 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Balance : {$25000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Hi my name is XXXX XXXX. I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. These items listed a.re not mine and need to be deleted from my credit report. I have contacted my local police department. I'm doing this on my own behalf. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX. Inquiries : XXXX/XXXX, XXXX XXXX/XXXX   XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX. XXXX, XXXXXXXX, XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX & XXXX XXXX. XXXX, XXXX XXXX I, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX & XXXX, XXXX

Company 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 2021-06-30
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company which I have no contract with nor can they provide my signature for this debt is reporting a collection on my credit and I want it deleted from my credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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:
EXPERIAN : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XXXX ( CREDIT LIMIT {$170.00} ) Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX Account no. ( NO ACCOUNT PROVIDED BY BUREAUS ON REPORTS. ( OPENED DATE : XX/XX/XXXX ( CREDIT LIMIT {$170.00} ), Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction

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 2023-08-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have someone else 's name and personal information linked as an ALIAS. This is not true and I have no connection with this individual. His information causes me problems when background checks are performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit card from Comenity Bank that is associated with Victoria 's Secret. I have had this card for over 7 years. Earlier this year, I missed the XXXX / XXXX payments on a {$50.00} purchase made at victoriasecret.com. In complete honesty, the past few months have been extremely chaotic and difficult due to Covid-19. I have always been a loyal customer and reliable and responsible with my payments, but while dealing with the stresses of recent times I unfortunately neglected to make the on-time payment for my purchase. I have since paid off the payment as well as the late fees on the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Paypal Holdings, Inc
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Attached please see an email just received from an unknown source claiming it is a PAYPAL service email. I DO NOT have a Pay Pal account in my name or using this email address, which is my business email address ( Utah ) This came from : XXXX XXXX XXXX XXXX Inbox Search for all messages with label Inbox Remove label Inbox from this conversation Application usability # XXXX XXXX XXXX ( 2 hours ago ) to me XXXX One attachment Scanned by XXXX XXXX XXXX  : Application usability # XXXX XXXX to : XXXX date : XX/XX/2023, XXXX subject : XXXX XXXX XXXX XXXX mailed-by : XXXX signed-by : XXXX security : Standard encryption ( TLS ) Learn more It was about an order which I did not place : BILL # TO lncoice Number lnvoice Total XXXX XXXX {$2900.00} dear Member, Your payment settlement # Need # assistance? # : Dial us # 0rder # Summery # Item Qty Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Total {$2900.00} Payment verified Your order is now in queue for shipment If you have any queries regarding your order please call our customer service line at : XXXX I DO NOT WANT A PAYPAL CARD AND HAV ENOT REQUESTED ONE PLEASE REMOVE THE INITIAL INVESTIGATION REASON TO FRAUD ALERT ONLY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26
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 recently applied for an apartment and I got denied. I didn't know why so today I checked my credit report. While doing so I saw items that are not mine. These items are not mine and all needs to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX.XXXX, XXXX XXXX XXXX, XXXX XXXX.XXXX/XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX!., XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief