BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/XXXX I attempted to make a purchase using my Amazon credit card and use the XXXX in reward points toward the purchase. After submitting the order, I received a message stating that my payment was declined. I called the number on the card and was informed that Amazon declined it not the credit card company. I called Amazon and they said it was the credit card company. No one is explaining why my payment was declined and my points have not been refunded. I called again on XX/XX/26 and was asked to wait and again was refused an answer regarding the declined transaction. I did not want to use my account to make the full payment and was forced to because of this

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 2023-05-29
Company: ID Analytics, 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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: MicroBilt / PRBC (formerly CL Verify)
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 15 U.S. Code 1681 section 602 A States I have the right to privacy. 15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX ), has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-05-29
Company: LEXISNEXIS
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:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 
15 U.S. Code 1681 section 602 A States I have the right to privacy.

15 U.S. Code 1681 section 604 A Section 2 : States a Consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I am being charged excessive overdraft fees/ insufficient funds fee. We are in a Pandemic, and managing finances can be challenging. From XX/XX/XXXX to XX/XX/XXXX the bank charged me XXXX dollars all are insufficient funds fee at XXXX dollars per item. Just because my funds arrive a day later from when the bill hits my account. 
I called the bank on XX/XX/XXXX I went into a branch XX/XX/2020 I called XX/XX/XXXX The representatives told me I was only allowed 3 reversals of fees 3 times a year and I did not qualify until XX/XX/2020 This is a Pandemic and banks should halt all fees, this is so disgusting. I called the bank on XX/XX/XXXX because they had returned an item ( Bill ) which totaled in XXXX but they had taken out XXXX in fees. If they had not taken out fees I would of had enough to pay that bill. The bank agreed to give me back XXXX dollars and told me they couldnt do anything about the other XXXX dollars, because its past 30 days???? I asked what about all the times I called during Covid, and they told me that because I was asking for a fee reversal, thats why I didnt get them, they told me I had to say its due to Covid, and because I didnt mention the word Covid 19, thats why they did not refund any fees. 
I asked them why was I not notified about there Covid policy???? There response was that they dont notify anyone and that we are just supposed to know? I am a single parent getting through a pandemic, and I need my XXXX dollars back and no more fees for the remainder of 2020 at least.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I transferred XXXX Litecoin ( worth aprox. USD {$38000.00} as of today XX/XX/XXXX ). I did this transference on XX/XX/XXXX from Exchange company Coinbase.com to another Exchange company and the money is still stuck in " Pending transaction ''. It 's been 9 days without having access to my money. They promise that transactions may take as long as 24 hours but it has been 9 days already. This is inadmissible. I contacted them and asked if at least they could cancel the transference and they told me they ca n't which is a lie. Other Exchange companies even provide a cancel button for the user to cancel transactions like this as long as they have n't come through yet. My transaction is stuck in " pending '' with zero conformations, which means it has never left Coinbase yet, however, they refuse to give me back my XXXX Litecoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Chrysalis Holdings LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In early XXXX, I received an advertisement from NEW Day USA to lower my mortgage payments by refinancing my existing VA loan. 
By XXXX XXXX, I had submitted all of my personal information, ( W2 's, Mortgage statement, social security numbers, etc.. ) to NEW DAY representative XXXX XXXX XXXX For the next 10 days I heard nothing from NEW DAY or XXXX. I called him several times, left VM 's and e-mailed him at least 7 times. No response. 
Then on XXXX XXXX, I received a letter from NEW Day stating my application was incomplete and I needed to submit W2 's, Mortgage Statements, social security numbers, etc ) I have since spoken to several people from NEW Day and have requested all of my personal information back from them. My concern is XXXX XXXX and NEW Day will use my information for illegal purposes. I have proof I sent it to him. Now they claim they do not have it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
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 is missing that should be on the report

Complaint:
All 3 Credit Bureaus are dinging my credit for Short history. XXXX points. First, this is discriminatory and misleading. I am XXXX yrs old and while some accounts no longer show on my credit. I have at least a 40 year credit related history. My home was paid off with XXXX in XXXX. Where is that mortgage history payoff? 
Theres many more examples. These inaccurate credit dings are causing damages in form of higher interest rates on current and future purchases. Bottom line these acts are breach of fiduciary and unlawful. They violate several Federal Consumer Acts. Please correct before I have to take legal actions.

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 2023-04-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Both XXXX and Experian are reporting different information about account XXXX. I have not received anything verifying this account, but it is reporting in accurate. Both have different open dates, both have different last active dates, I have no payment history at all to verify anything! 

Please remove this account for being unverified and inaccurate!

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 2020-09-20
Company: EQUIFAX, INC.
State: OH
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 are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX  # XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-08
Company: SYNCHRONY FINANCIAL
State: CT
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:
Reflective on my XXXX credit report under " hard inquiries '' I see two ( 2 ) " XXXX National credit cards/Airlines '' inquiries, which to my knowledge I have never formally inquired for such a card for airline travel or so. The dates reflective are XX/XX/XXXX when I applied and recieved a XXXX XXXX XXXX credit card through Synchrony Financial most recently on XX/XX/XXXX, when using the same Synchrony Financial for a credit card for medical services. It seems that this Airline credit card is generating from any application for credit through this company. But I have never myself applied for this service.

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 2023-10-23
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
DELETE THESE INQUIRIES, PLEASE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: PA
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 XXXX XXXXXXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX # XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2023-05-29
Company: EQUIFAX, INC.
State: OH
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:
n accordance with the Fair Credit Act XXXX XXXX XXXX Last reported XX/XX/XXXX {$440.00} Open balance XXXXXXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$640.00} Open balance XXXXXXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance Highest balance {$5900.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
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: Account status incorrect

Complaint:
Took what I thought was a private loan from XXXX XXXX out in 2006. The college recommended XXXX XXXX. My credit report now show XXXX as my servicer and XXXX XXXX as my lender. No original loan paperwork has been sent to me. My credit report has multiple loans showing. Same amount same loan number appears to be duplicate. 
Loan is now showing as a FFEL when it was private. Loan is over 10yrs old. I have disputed to no avail. Did not apply for a 40 thousand loan with XXXX XXXX or XXXX. My college recommended XXXX XXXX for a 20 thousand dollar personal loan. I have graduated and can not find a job, I would like to have this removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04
Company: Real Time Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The  one company that finally responded to my client, Real Time Resolutions after  having the false loan since  XXXX   XXXX ,  XXXX ,, did so after it transferred the alleged loan to  XXXX   XXXX , that has had this false debt since  XXXX   XXXX ,  XXXX . I have learned that another debt collection company also had this false loan prior to  Real Time.  None of these companies contacted my client. My client had hired another service to help her and that company found the alleged debt and the collection companies on her credit report. My client tried to speak to the collection companies by phone, but was told that " the loan balance '' was owed by her.     In summary, my client entered into a land installment contract in  XXXX  ; was in the property for approxima tely 24 to 30 months ; was then locked out of the home and the land contract was terminated of record  and withdrawn. She was never deeded the property, therefore, she does not owe any money and, secondly, the property has been sold to another company for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX  and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was notified by Maryland Unemployment agency of benefits being deposited into account and have not received a card. There was no option to have funds deposited to any other account but a specified " Bank of America '' prepaid card. I do NOT do business with Bank of America and never received the card. 
They are now charging a fee at their convenience to send regular XXXX  of card which is totally bogus. It's seems they sent prepaid card purposely through snailmail and are trying to profit off of {$10.00} to " resend '' something that was purposely not mailed properly. Knowing that people are in need of their money and two weeks is enough to pay the fee to have it really sent.

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 2019-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a credit card with Capital One in order to begin re-building my credit. I was denied and told I would be receiving a letter outlining the reasons as to why within 10 business days. This was a month ago and I have yet to receive anything from Capital One. The offer for credit was pre-approved through XXXX XXXX as "likely to approve". While I understand XXXX XXXX did not make any promises, Capital One has not properly disclosed to me the reason(s) for denial as they are required and as they stated they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: OH
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 are not my accounts. Please provide the original instrument of indebtedness, the method of verification, and validation of debt. 

This account NEVER had a full investigation. There was an automated response from e-Oscar system stating the information was verified. I requested physical verification in XXXX of this year showing this is my account and that has never been provided. Account XXXX XXXX XXXX XXXX All communication and verification documents should shared through the CFPB portal and I don't want to see information will sent you through US mail. Upload those document through and mail.

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