BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-08
Company: SYNCHRONY FINANCIAL
State: NY
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:
I have a PayPal 2 % Cashback Card with Synchrony Bank. It was subject to fraud over two weeks ago. I was sent a text stating my card had suspicious activity and that I should call the bank. I call the bank and speak with a helpful person who deactivates my card and tells me a new card is on its way. A week goes by and I am surprised to not receive my card. I go to the website to login to make sure my account is still safe, and it turns out my online access has been deactivated -- which I was never informed of. I call the bank and they inform me that not only was card deleted, but my access to my account ( my outstanding balance, my activity monitoring, etc. ) is no longer something I can access until I get my new card and set up my account again.

So, I ask " Where is this card? '' They sent it snail mail and it can take up to 10 days to get to me. So, I get annoyed that they would take over a week to get me back on my feet after fraud and request that they overnight the card to me. They agree after putting me on hold forever. The card does not come the next day ( Friday ). So I hope that I will see it Monday. Meanwhile, the snail mail card arrives in the mail on Saturday. So, I try to activate that. It's dead because I requested the replacement. This makes sense, so I wait for Monday. No card.

I call again -- they have no record of where they sent the card. No address is included with the shipping information -- even though I gave it to them twice. I ask for them to ship it again and give me the tracking number -- they then put on my hold for 30 minutes and I had to hang up. It's been over two weeks and I still do not have a replacement 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 2023-06-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXX. XXXX XXXX {$710.00} XXXX. XXXX {$140.00} XXXX. XXXX XXXX XXXX {$1100.00} Inquiries XXXX. XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: DE
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 Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, comments are inaccurate, amounts are inaccurate, and credit/balances amounts are inaccurate. These are grounds for removal they also violated my rights under 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 Accounts that are reporting inaccurate information : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
When I opened my business checking account, I specifically opted out of overdraft protection. I wanted the bank to decline any transaction that would exceed my balance. 
Overdraft protection was added anyway, which I was not aware of until XX/XX/XXXX. By this time, I was not using the account much. A transaction for a {$69.00} subscription was processed putting my account negative. The bank did nothing to alert me of this promptly. They mailed a postcard to me, which naturally did not reach me until several days later. Several more small transactions occurred in the meantime which further compounded the overdraft " protection '' fees I was assessed. The fees added up to {$280.00}. I called and complained to online banking, and to two local branch managers. They agreed to refund {$35.00} of the fees and after more complaints, they refunded another {$35.00} for a total of {$70.00}. Despite my outrage, I remained with the bank for the time being due to the hassle of closing the accounts and switching banks. 
In XX/XX/XXXX, they decided to assess a $ 25 monthly fee for simply having the account. This was the last straw. I took steps to open new accounts with a new bank and switch all of my billing over. 
Today when I called to close my account, I had to wait 45 minutes on hold to get through. When I told the representative that I wanted to close the account, he launched into a sales pitch, but the line was abruptly cut. I called back, waited another 35 minutes on hold waiting for a representative and finally gave up. 
This is a terrible business practice. 
I want the {$210.00} they kept from the overdrafts in XXXX refunded, especially in light of the fact that I declined overdraft protection in the first place. 
And I want my account closed.

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 2020-04-26
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/20 XXXX {$1200.00} XX/XX/20 XXXX {$720.00} XX/XX/20 XXXX {$850.00} XX/XX/20 XXXX  XXXX {$750.00} All these charges were done on a HSBC credit card. I did not use this card nor did I ever receive it in the mail. I called HSBC to file a claim, and I received a letter in the mail stating it was declined. 

I need your help to dispute this. I should not have to pay for something I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Report Act 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment in account under an open-end consumer credit plan as late for any reason. 
Since XX/XX/2016 this account has been paid off, and until now, late payments reported on this account restricted me to get approval for credit, and this is illegal to maintain this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a pin number for a debit card by mail for an account I did not have with a bank I do not use.

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 2018-11-23
Company: Experian Information Solutions Inc.
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:
I talked to experian and they refuse to help through their customer service telephone system. I have several inquires and a bankruptcy listed on my report that I have no knowledge of and tried to dispute these but they apparently did not want to take the necessary time to help me file a dispute. Under the FCRA I am allowed accurate information on my report and wish for these items to be deleted so that my report is accurate and not causing me harm.

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 2021-04-13
Company: Rocket Mortgage, LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My current mortgage company kept calling my wife and I about refinancing our mortgage. We both told them no and we weren't interested and the went ahead and ran our credit without our approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus TransUnion, XXXX and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done 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 2020-07-17
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, XXXX and Experian. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done 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 2020-07-17
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: Was not notified of investigation status or results

Complaint:
I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I'm creating this with regards to a charge on my Chase credit card from XX/XX/20 for {$2800.00}. I have tried twice to resolve this dispute with Chase but have not been refunded. I have provided proof that the party I transacted with still has all of my funds and has not provided their service ( travel agent ). I provided proof of trying to reach the vendor on the phone, email chains between the vendor, myself and the resort I was to stay with and the fact that the travel agent 's own website states to reach out to the credit card to process a refund as the travel agent has laid off their staff due to COVID and are unable to process it on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: JPMORGAN CHASE & CO.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I tried to deposit a check at the ATM locates in my bank. The ATM took my check but did not complete transaction and did not give me my check back. I immediately addressed two ladies working at the branch, who told me I needed to go online and gave me web instructions. I also had the option to call. I have been online multiple times searching for how to get my money using their instructions and can not figure it out. I finally called and stayed on hold for one hour ten minutes before a person answered, who said give her a minute, put me back on hold for ten minutes and the automatic on hold went back to main menu and said they are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: EQUIFAX, INC.
State: MN
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 do not recognize ANY of these inquiries on my credit report. 
Creditor : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXXInquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : US SM BUS ADMIN ODA Inquiry Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor : XX/XX/XXXX Inquiry Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$9700.00} ; XXXX XXXX XXXX Balance : {$12000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4000.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My complaint is regarding refusal to remove from my consumer reports closed accounts that originally reported years XXXX & XXXX, based on the Higher Education Act, that was amended XX/XX/XXXX. Ive contacted the loan furnisher XXXX as well as the individual credit bureaus without resolution. 

XX/XX/XXXX the Law changed with regards to retention also known as Duration of Authority, in which the timeframe a consumer reporting agency and loan furnisher have to report accounts., The Higher Education Act of XXXX, amended XX/XX/XXXX, Section 430A ( f ) states Duration of Authority - a consumer reporting agency ( XXXX XXXX XXXX, Transunion XXXX XXXX XXXX ) may make a report containing information received from the eligible lender ( XXXX  ), regarding the status of a borrowers DEFAULTED account on a loan guaranteed under this part UNTIL 7 YEARS FROM THE DATE THE ELIGIBLE LENDER ( XXXX  ) FIRST REPORTED THE ACCOUNT to the consumer reporting agency ( XXXX XXXX XXXX, Transunion XXXX XXXX XXXX ). The link to the United States Federal Governments website with regards to the Higher Education Act of XXXX is listed below. Read Section 430A Duration Of Authority, and please remove and/or give authorization to remove the 5 closed student loan accounts. Ive also attached a copy of what the amended law states. 


XXXX XXXX  XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Experian Information Solutions 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'm in the market for a home and my realtor ask me how's my credit i was thinking it was pretty good until i actually checked it. Upon checking my credit report i saw a couple of items that are not mine. I need these items removed from my credit report 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 non-monetary relief
Consumer complaint received 2019-07-02
Company: Selene Finance LP
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is currently with a new loan servicer. I believe that this property was paid off in 2006 and for some reason another mortgage was issued and this is the current servicer of the loan. I am requesting that original documentation be presented associated with this loan and balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection of consumers ' credit information and access to their credit reports. It was passed in 1970 to address the fairness, accuracy, and privacy of the personal information contained in the files of the credit reporting agencies. 

sent ftc violation 3 months ago 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 2020-12-04
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
During the month of XX/XX/XXXX I had several bouts of XXXX XXXX, uncontrolable XXXX of XXXX, XXXX, etc. I visited my XXXX, XXXX XXXX XXXX. On two seperate ocasions he gave me XXXX XXXX bottles to fill and then sent them to a company called XXXX for analysis. XXXX subsequently told me that XXXX XXXX XXXX  work orders had been miss-coded, to the effect that the XXXX XXXX were identified as being part of a rutine XXXX XXXX XXXX. Thus, XXXX refused reimbursement for these analysis. 

XXXX XXXX  normal modus operandi is to have the patient sign an agreement to pay XXXX for any analysis that has not been paid for by another party. Since i did not take the XXXX XXXX to XXXX in person, I did not sign any such agreement. 

Sunsequently XXXX XXXX corrected the work order coding and sent said revised paper work to XXXX. XXXX then sent me a letter sataing that they had recieved XXXX XXXX corrected work orders, but that they would not resubmit a new request for payment to XXXX. They directed me to pay them up front and then attempt to get reimbursement from XXXX. Since I had never agreed to pay XXXX for any third parties mistaken actions or ommisions, I refused to pay. XXXX then turned their attempt to collect a debt that I do not owe them to a debt collection Company, Credit Collection Services ( CCC ). 

On XX/XX/XXXX CCC wrote me a dun letter. Upon recipt of said letter I called CCC, and in a recorded conservation I explained that they were attempting to collect a debt that I did not owe. I explained to them in detail be facts and circumstances that led to their client 's, ( XXXX ), false claim that I owed a debt. 

Since then CCC has writted two additional letters threatening to ruin my credit if I did not pay XXXX. 

XXXX - Debt Collection Division XXXX XXXX XXXX XXXX, NC XXXX CCC XXXX XXXX XXXX XXXX, MA XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation