BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-30
Company: EQUIFAX, 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: Account information incorrect

Complaint:
This complaint is to report the inaccurate credit reporting by the XXXX credit reporting agencies XXXX, Equifax, and XXXX. The account XXXX XXXX should be immediately deleted from my credit report due to incorrect information. How is each bureau reporting different balances and payment history when all data furnished should be the same? This doesn't make sense and it violates so many FCRA regulations. Also, XXXX has yet to send me any historical data about this account therefore it should not be reporting on my credit report. Equifax does not even report the original balance so there is no way for me to fact check this information. At this time, I am only asking for the deletion of the account. According to the law, I can take this to small claims court due to the many violations and inaccuracies. If so, I will be seeking compensation for {$1000.00} per violation. I am asking that the credit bureaus cease any stall letters that they are planning to send because I will move forward with legal action because this is causing me extreme distress. I do not think that an investigation was ever conducted and that is why the account is still reporting inaccurately. I am demanding for the deletion of this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed via XXXX payments and i called my bank ( Chase ) on XX/XX/23 to see what i can do. i was scammed out of {$1000.00}. They did not assist me with getting funds back, only filled out a scam report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: WELLS FARGO & COMPANY
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/21 my card was used to take out {$400.00} at a casino in XXXX, Colorado as well as used for another charge. Wells Fargo had declined a claim submitted stating that someone close to me or I had authorized this charge when that is completely false. I did not ever authorize these charges. After escalating for 2 weeks and never receiving a call back from their Executive Office, i called and they said a letter detailing what information was used in determining their decision was being mailed to me. This Executive Office did nothing to help the situation. I am now out {$450.00} dollars due to their incompetence to conduct a proper investigation.

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 2019-03-04
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
This is a follow up for a prior case for CFPB XXXX. I am providing my credit report and the last four digits of my social security number. 

XXXX Inquiry 2 Inquiry Date - XX/XX/XXXX Creditor Name- SYNCB I filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX of XXXX for a travel/entertainment card. The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Hello I applied for a Paypal credit card on XX/XX/2018 and I called and I was told by a supervisor that I was gon na get a letter and they emailed it to me and the letter said they need some paperwork and proof of Id and etc and have it notarized which I did and I fax it to synchrony bank and I called and ask for supervisor and and ask her if she received the paperwork and she said we dont accept fax and we dont ask customers to do that and she was very rude to me and told me to wait for a letter 7-10 but I already got the letter through my email and so far I havent got a decision yet

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 2023-05-12
Company: Exeter Finance Corp.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Exeter finance is trying to scam me out of money i do not owe them for a car that they repossessed and sold already at a auction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: EQUIFAX, 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:
IVE SENT SEVERAL RESPONSES FOR YOU TO HELP ME. YOU KEEP UPDATING AS DUPLICATE THIS IS UNFAIR. I CANT GET HELP XXXX IS NOT REPONDING TO ANY REPONSES FROM ME. THIS IS NOT MY CAR IM REALLY STRESSED I NEED THISFROM MY CREDIT I FILED FTC AND NO ONE IS HELPING ME I NEED TO DISPUTE THIS CAR

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and did not make the charge. I ask that the items be blocked to correct my credit report. I did not benefit from this account.

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 2019-03-07
Company: EQUIFAX, INC.
State: TN
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:
Equifax is incorrectly reporting me 120 days late on XXXX, partial account number XXXX that has a {$0.00} balance and a {$0.00} past due amount. This incorrect reporting is hurting my credit score. It's impossible to be 120 days late on an account with a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear XXXX : Pursuant to my rights under federal debt collection laws ( FCRA ), I am requesting that the above-mentioned account be removed from my report. 
This account is fraudulent because I left at the end of my contract year and did not renew the lease. Recently I called National Credit System to explain that I did not owe the amount and that they are reporting it twice. They said this was owed because there was damage to the apartment, which is not true. We left the apartment in perfect condition and totally clean. They made an offer of {$2700.00}, which I refused since I do not owe, XXXX XXXX Apartments any money. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued. 
Sincerely, XXXX XXXX XXXX This account is being reported to my account and my wife 's account. 
We are XXXX  speakers and are working with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I ordered checks online, in XX/XX/XXXX Wells Fargo, mailed them to the wrong address, I needed the checks so I had to order again expedited, and was charged, even though I talked to the postmaster, who had to track the package, said they put the wrong address on the package they refused to tae any responsibility and charged me twice.

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 2021-10-04
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I NEVER RECIEVED ANY COMMUNICATION FROM THIS COMPANY, I SPOKE TO XXXX AND THEY SAID I DONT OWE THEM ANYTHING, IM CURRENT. 


I WANT THIS DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX- XX/XX/2020 UNAUTHORIZED CREDIT INQUIRY AND I HAVE NO IDEA ON THIS COMPANY IS. I WANT THIS DELETED IMMEDIATELY

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 2019-03-04
Company: SPP, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
keeps calling every day says there going garnish my checking account for a credit card I never had talked to XXXX at least 3 time told her to stop calling

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
In 2007 the XXXX account went into collections due to my XXXX and XXXX   XXXX stemming from my military service during the XXXX war era. I contacted the company and made payment arrangements which I successfully completed as agreed. I was recently contacted by XXXX XXXX XXXX, again, about this 12 year old past debt, and filed a dispute. Their investigation yielded account information that was not only 10 years old, it did not reflect the payoff agreement, and subsequent paid status of the account.I again contacted XXXX XXXX XXXX by phone and was told they were still investigating the dispute and would not talk about the account. I again refuted the status of the debt, and apprised the company I would be seeking legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and violation of the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2017-12-12
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XXXX XXXX I found unauthorized transactions to XXXX XXXX from our Huntington Bank checking account that were paid in addition to our authorized payments in XXXX XXXX. The withdrawals appeared to begin in XXXX. I contacted XXXX XXXX and was informed that they just follow customer 's requests and did not bother to make sure the appropriate account was debited. I then contacted Huntington Bank customer services and was given the same response. So, I created reports from XXXX and Huntington to prove that the second transactions were fraudulent, not paid to our XXXX account and spoke with a branch representative in mid-XXXX. He completed a bank form, I signed it and attached to the bank form. After not receiving information after almost 3 weeks, I contacted the branch and the representative apologized and promised to follow up. He called back a couple days later and explained that the request had not been addressed, and promised to get it to processing. After another 3 weeks I called again, received no response until another 3 weeks later I received a letter that totally ignored the issue and stated that XXXX stated that we had authorized the auto payments upon opening the account. However, our authorization was related to payments for OUR bills, not some thief that stole our account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dynamic Recovery Solutions is a SCAM company and XXXX XXXX is a SCAMMER! Collection agency SCAM! In XXXX of 2021 XXXX a collection agency reported a collection account on my credit report. After requesting proof, I owed this debt they deleted the account from my credit report. Now Dynamic Recovery Solutions has sent me a letter trying to collect the alleged debt. This is a SCAM, and this action is an attempt to intimidate me. If XXXX had no right to collect this debt, why now does Dynamic Recovery Solutions state on this collection letter that they have a right to collect this debt. This is a XXXX and a form of intimidation to ruin my credit. Dynamic Recovery Solutions is a SCAM company and XXXX XXXX is a SCAMMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I got an alert at XXXX XXXX at night eastern time that I made an XXXX payment in XXXX XXXX ca from my chime debt card. XXXX I was at home in North Carolina, XXXX I dont have XXXX. I reported my card stolen and requested a new card since I could not dispute the claim until it was not pending. The next day, it was no longer pending so I contacted chime to dispute the claim, they asked for a receipt of the XXXX ride, which was not taken by me or an account owned by me so I did not hold such receipt. A claim was filed, at XXXX today not even XXXX hours later I was email my dispute found no foul play and my funds would not be returned. I called chime they said I could request the documents they used to deny my dispute but it would take 10 business days to get the documents to me when it took them less than 24 hours to deny it. That since I did not have proof I was in XXXX nc, even though I swiped my card physically at XXXXXXXX XXXX in XXXX. I was told to email with a written statement claiming my location at the time of the transaction and they would consider reopening my dispute. I was accused of giving out my card number and writing down my PIN number and talked to like a toddler.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: WELLS FARGO & COMPANY
State: CA
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:
XXXX withdrew {$26000.00} from my checking account between XX/XX/2019 and XX/XX/2019 for XXXX cancelled reservations but I only authorized {$19000.00} for withdrawal. After many phone calls with XXXX during the past 30 plus days, and after being transferred several times to their payment processor, XXXX, today, XXXX from XXXX stated that XXXX has no supporting documentation for the {$26000.00} of withdrawals from my checking account. Also, he stated that only XXXX, the payment processor for XXXX, has this documentation but my contract is with XXXX, not XXXX. Then XXXX refused to put his statement to me in writing. Then he hung up, un-announced, from my phone call. A representative from Wells Fargo Banks XXXX department was a participant during this whole phone call today. 
XXXX withdrawals detail for {$26000.00} follows. 
{$6800.00} on XX/XX/2019. 
{$4800.00} on XX/XX/2019. * {$3900.00} on XX/XX/2019. 
{$3100.00} on XX/XX/2019. * {$3400.00} on XX/XX/2019. 
{$2900.00} on XX/XX/2019. 
{$1500.00} on XX/XX/2019. 

*XXXX  refunded these two deposits on XX/XX/2019, apparently to settle an unrelated dispute for overcharging RENT PAYMENT FEES ( description on my bank statement ) as a result of my contracted payment of {$500.00} per year per listing to cover all XXXX rent payment fees. I calculate {$7900.00} of overpaid rent payment fees.

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 2022-11-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I HAVE INFORMED EXPERIAN SEVERAL TIMES THIS XXXX XXXX ACCOUNT LATE PAYMENT IS NOT CORRECT THEY ARE THE ONLY COMPANY REPORTING THIS AS A LATE PAYMENT. XXXX XXXX AND XXXX HAVE FIXED THIS ISSUE AND EXPERIAN HAS NOT REMOVED THIS ISSUE, ON TOP OF THAT IT WAS A PAYMENT FROM XX/XX/2016 WHICH IS OLD AND IS NOT SUPPOSED TO BE STILL REPORTED AS A LATE PAYMENT. THIS IS WHAT I MEAN ABOUT THESE CREDIT REPORTING AGENCIES 90 % OF THE INFORMATION THEY REPORT ON YOUR CREDIT PROFILE IS INACCURATE. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX THESE ACCOUNTS WERE NEVER LATE ON PAYMENTS.

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