BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: Bread Financial Holdings, Inc.
State: AR
Product: Credit card or prepaid card
Sub-product: Store credit card
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 am writing this complaint because I previously had an XXXX XXXX credit card. I mailed in my payment in full to XXXX XXXX in 2017 and a week later I received a letter from XXXX XXXX saying I owe the debt but I informed them that I had mailed the amount owed to XXXX. They told me I needed to call them because XXXX never received a payment from them. I immediately called XXXX and they stated they had not received a payment from me. I had sent them two payments on the same day. So I called XXXX back and we agreed to wait awhile but and almost two months later of going back and forth they stated they just received a partial payment from them. I then called XXXX again to inquire about the other half of the payment and they said they had no record that they received any payment for me ( which was crazy because XXXX had gotten a partial payment from them ). XXXX said they would look into the matter but no one ever called me back. After going back and forth with XXXX I just paid the remaining balance and filed a complaint with CFPB to have XXXX removed from my credit report because it should have never been put on there. They responded that they would remove it from my report and that XXXX was working to recall it from my credit. This debt has been paid in full and I would like XXXX removed from my credit report because they stated they were going to recall it to XXXX XXXX  and because they state they never received a payment from me but they sent XXXX a partial payment. I dont know what they did with other payment I made to them since they quote had no record that I sent in a payment. I havent heard anything else from them and would like this resolved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-04
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
They refuse to close my account, asking for a notarized letter to be sent certified mail. This information was not requested to open the account. It is my opinion this is intentionally made difficult for customers forcing us to leave the account open.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Met this person on XXXX. Got lured into this website site XXXX XXXX XXXX XXXX ) by this person from XXXX XXXX XXXX XXXX XXXX  XXXX ). I Deposited money with international money transfers apps ( XXXX  Western Union, XXXX, XXXXXXXX XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX : XXXX Please help me, what should I do to get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from 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 2022-10-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other 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 reports no consent is fraud.

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 2022-09-15
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, I took advantage of an offer Chase Bank provided via their Ultimate Rewards Program and exchanged XXXX credit card points for a brand new XXXX XXXX XXXX XXXX valued at {$320.00}. I received the XXXX on XX/XX/XXXX and in XX/XX/XXXX, I noticed the XXXX display would not turn on and took the item to the Genius Bar at a local XXXX XXXX. The XXXX employee performed a diagnostic test on the XXXX and stated that the issue my XXXX has is related to a manufacturing defect. As the XXXX is less than a year old, it would still be covered under XXXX 's limited warranty, which would allow for a free replacement. However, they checked the XXXX 's serial number in their system and saw it is actually a refurbished item, as such, XXXX 's limited warranty would no longer be applicable. 

Subsequently, I contacted the Chase XXXX servicing center to report that they had erroneously sent me a refurbished XXXX when I had paid for a brand new item. Because of this, I can no longer benefit from XXXX 's limited warranty and would need to pay for the full cost to repurchase a brand new XXXX since the item they sent me is now defective. However, the representatives and their managers at Chase XXXX servicing center repeated told me that they do not have the power to help me as I have had the XXXX in my possession for longer than 7 days and refused to hear my complaint that Chase had misrepresented the promotion offer and sent me a refurbished item while charging me for a brand new product. I had also tried to contact customer and card services at Chase to no avail. I was then referred to Chase card services where I tried to file a claim with a supervisor to be compensated for the points that I used in the redemption and received a letter today stating that I will have to contact Chase XXXX servicing center for a resolution, the same department that brushed me off originally claiming the matter is out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax data breach ; accurate public information not available ; attempted to sell me services ; other services need case number from police / FBI to waive fees ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Nelnet, 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: Account status incorrect

Complaint:
Nelnet reports my account as 120 days delinquent in XXXX and XX/XX/XXXX ; and 90 days delinquent in XXXX and XXXX in XXXX to the three major credit reporting agencies. This account has been in a deferred/forbearance state since its inception due to my inability to pay. I have never been required to make a payment on this account because of this status. I contacted the servicer directly in XXXX, XXXX and XXXX to correct this error, however the inaccurate information has not been removed. Additionally, my credit history has been negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, INC.
State: SD
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:
Prior Complain : XXXX 15 US Code 1681i- Procedure of disputed accuracy CRA took 60 days to investigate the disputed items submitted. CRA has 30 days. May be up to additional if I would have submitted new information or documentation which would allow them additional 15 days. That did not happen. Violation by taking 2x the allotted time to investigate. 

The information I disputed and the notice I submitted was not documented that they submitted a notice of dispute within 5 days. That is required. The CRA did not do that. 

Please provide reasonable methods used to verify. Provide the evidence of the reasonable procedures that you used to come to such a conclusion that it was the disputed information was verified. 

Who did you talk to? What is the telephone number of the person you spoke to? What address did you contact? Your procedures for investigation are impartial and fair to preserve the rights of me, the consumer. You have failed a description of the procedure used to determine accuracy and completeness. Any furnisher/lender/creditor must have my signed disclosures that I gave them permission to report. *VIOLATION *Violation of the Gramm-Leach-Bliley Act* 15 US Code 1681i- Procedure of disputed accuracy ( C ) Contents of Notice ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. 

The CRA failed to outline just that. How was the information I submitted used to verify the disputed items on my credit report? What information did you use to modify my credit report? The information that I sent to you? BC I have the right to privacy and if you obtained any verifiable proof, my permission ( verbal or written ) to report these items in the first place. So how can you verify or modify something that isn't supposed to be listed in the first place? 15 USC 6802 Violation. 

Where is the evidence that I gave permission and consent? Provide evidence that the company has permission to report the disputed items on my credit report. 

If you are in a business transaction with various reporting services, how does this make your investigation fair and impartial? These companies are paying you to report. This is identity theft. I am not part of that business transaction. This is hurting and harming me and my financial powers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I asked the credit bureau to verify my accounts and the claims to verify but the same information keeps coming up even the names, telephone numbers, employments and inaccurate information. 

In accordance with the fair credit reporting act XXXX  the various account have 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 with out my written instructions.

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 2023-08-03
Company: EQUIFAX, 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:
This is my several attempt to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. The Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ) .My disputed items on my account still reporting to my credit file held with Credit Bureaus . These items were opened fraudulently. I informed them of the issue & provided them with the required documents to remove the items via FCRA Section 605b. They have failed to remove the items, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following items be removed from my report immediately : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Quote from XXXX XXXX XXXX, XXXX " The XXXX protects cell phone users against unwelcome robo-calls and calls made using an automatic dialing system from companies '' " Debt Collection is a legal activity. But when it translates into stress and anxiety for the consumer, it no longer is legal. '' Everyday, Mon-Sunday, at random times XXXX sometimes XXXX  on the dot I receive an 'automated ' call from supposedly " Synchrony Bank '' requesting I call back. It is the same automated voice and same message every time regardless of day, whether the banks open or not, and even on holidays. It is not a person and when you answer you get the same automated message. If you call the number you get an automated message saying " Thank you for calling paypal credit ''. They don't specify any information regarding having contacted the correct person or specifics as to why. 

I looked up the number that is called XXXX and multiple sites and users report it as a spam caller that calls multiple times a day phishing for XXXX XXXX  info, pretending to be XXXX. The automated message from incoming calls says it is Synchrony Bank however. Regardless of their legitimacy or connection to XXXX or synchrony bank, they are not following the guidelines of the XXXX XXXX XXXX XXXX and are skirting the rules set by the FTC ( can't call before XXXX so they call at XXXX on the dot ) and they need to stop.

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 2022-09-15
Company: Experian Information Solutions 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:
This is my 2nd 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 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 non-monetary relief
Consumer complaint received 2023-02-27
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX A XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX BANK XXXX XX/XX/2021

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 2022-09-15
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 sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX PARK XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$58.00} ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Carvana Group, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have contacted this Dealer several times in regards to rectifying their mistakes and damage caused for their negligence but have not received any formal response. 

I am excising right to rescind due to this companies negligence, deceptive practices & fraud. I was given financing from a financial institution but was still required to pay the company what was " considered '' a downpayment in the amount of {$1400.00}. Under the Truth In Lending Act 15 U.S.C. 1601, et seq. ( TILA ). [ XXXX ] TILA requires originating lenders in particular consumer credit transactions to provide certain disclosures about the loan terms and the rights available to the borrowers. If a lender fails to adhere to the TILA requirements, consumers are provided certain remedies, such as suing for damages or rescinding the loan entirely. [ XXXX ] Such information was not provided to me. I have subsequently exhausted all options at this point and would like assistance in getting my issue heard and resolved.

Company response to consumer: Closed with explanation