BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: DISCOVER BANK
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a fraud charge on my Discover card XX/XX/2019 and called Discover and had them cancel and transfer my account to a new card and open a fraud investigation. XXXX weeks later no card arrived and I had a update on my Credit that I had closed out my account and it negatively impacted my credit by about 25 points.

6 weeks later on XX/XX/XXXX I am trying to close on a home and I get denied because the day prior I apparently had a new inquiry into my credit and opened a new credit card with Discover hitting my credit for 41 points. Later that day discover called saying I was late by 3 months and delinquent. On the XXXX of XXXX I get another credit update i am delinquent and lost another 41 points on my score.

Because I lost my house I had to extend my lease putting down more rent and now discover says I owe over {$1000.00} in 2 weeks. I have spoken to Discover and they have sent a report to fix my credit but cant promise it will totally fix the situation point for point. Also they wont do anything to help with the balance when it's there fault it's a situation at all. They put me out of a house, they messed up my credit score by over 100 points and when I requested to cancel my card, they informed me it will hurt my credit worse. So I am stuck in a bad situation as a consumer and the company that inconvenienced my life a lot wont do anything in regards to there mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
After the XXXX leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Experian Information Solutions Inc.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Please refer to information in XXXX. An account at XXXX XXXX was apparently fraudulently opened with my personal identifiers and the parties involved rented something from them. I have never even heard of this company and do not rent these items. 

I have called them many times and get the run around. I emailed theur fraud dept and they are unwilling to respond. 

this information needs to be correcgted and if they are reporting to the credit bureaus and providing fiducuiary contracts, they need to do the due dilligence on their part email to XXXX XXXX XXXX XXXX : Subject line : ID Theft Claim XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX Please be advised that the account opened below is not mine and opened fraudulently. The information is showing on my credit reports and it must be rectified immediately. 

I have never opened an account with XXXX. I am in the process of buying a house and if this causes any issues, I will pursue legal action against XXXX and seek compensatory and punitive damages. 

Please remove any and all information from any and all my credit reports. 
I can be reached at XXXX XXXX XXXX My full name and address are below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2019-09-20
Company: Suttell, Hammer & White, P.S
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2019 the supposed lawfirm SUTTEL & HAMMER sent a letter claiming I owe a debt in the amount of {$4300.00}. They claim that XXXX XXXX has retained the firm to collect its claim against me. 
I do not know SUTTEL & HAMMER. And they have failed to verify that they are authorized to collect a debt from me. 
On XX/XX/2019 I sent SUTTEL & HAMMER asking them to verify the debt. 
I asked them to provide licensing and permitting information that proves you are legally allowed to collect a debt from me. 
I stated that if they are unable to verify the debt they agree that XXXX XXXX XXXX, XXXX is a victim of identity theft. 
I asked them for an authentic signed contract between them and XXXX XXXX XXXX XXXX showing proof that they and that are now or were at one time in business together and other supporting documentation that gave rise to the alleged obligation XXXX  is claiming owed. 
I asked for a statement admitting whether they are the holder in due course or whether they are a servicer. 
I asked if the loan has be securitized and they CUSIP number for which it was securitized. 
I asked them to make available for visual inspection my original wet ink promissory note. 
I asked them to provide copies of current licenses and permits that allow them to collect this debt for a third party as a licensed debt collector in CALIFORNIA, informing them that fines and felonies are the penalties if they are not licensed properly should I not be the true party of interest in this debt collection bill copied and enclosed. 
I gave them 30 days to respond and they failed to do so. Instead, on XXXX XXXX SUTTEL & HAMMER committed fraud by advancing a writing without providing procedurally proper validation of the alleged debt. They sent payment copies and copies of billing statements which is not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
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:
It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX LXXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$240.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
For the past couple of months, I have been charged hundreds of dollars in overdraft fees because of the way transactions are posted with Chase. They post transactions late so I can check one day Im okay, and the next Im overdrawn but I havent purchased anything that day. Furthermore, I have tried to get chase support to help me turn on purchase notifications, but every time they completely ignore my question. I am unable to turn on any kind of alerts about transactions within my chase banking app. I have brought his up in the past and it has gone ignored every time. Furthermore they also post my weekly direct deposits late. I check this Monday to ensure my account was in good standing, and I even had a friend send me some money to be sure. The next day while Im at work chase posts three transactions, with no notification of any sort, and by the time I get home at XXXX on Wednesday, chase has already taken a third of my paycheck in fees. This has been going on for months. I do my best to keep my account in good standing, but Chase is unwilling to help me fix the issues, and I can not be checking my phone every 30 minutes to see if ill be getting my XXXX XXXX that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Company in question : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA Phone : XXXX, XXXX Email : XXXX Individuals spoken to : XXXX XXXX, XXXX XXXX Complaint : Got a call from this company regarding unpaid debt on Citibank Account ending in XXXX. If not paid then and there, was told I was gon na be taken to court and charge for court fees and other legal fees on top of debt owed. They somehow got my credit card info and charged an amount of {$2700.00} without my consent. 

However, this account was originally settled in full with XXXX XXXX XXXX XXXX XXXX ( now XXXX XXXX XXXX ) and I got a letter from them stating the same. 

I think this is a fraudulent company and scammers trying to reach out to victims like me and take advantage of our ignorance. Please investigate and do the needful in helping others not falling into preys of these scammers.

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 2023-04-25
Company: EQUIFAX, 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 to the fair Credit Reporting Act the list of accounts below violated my federally protected consumer rights to primary and confidentially under 15 U.S.C 1681 US DEPT EDXXXX, US DEPT EDXXXX, XXXX XXXX, US DEP EDXXXX 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 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 ( A ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse items of information other than records or conviction of crime which antedates the report by more then seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) : A person should not furnish any information relating to the consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft BK OF AMER Account Number : XXXX This is not mine.

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 2021-10-22
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX Balance : {$6000.00} ; XXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX {$670.00} ; XXXX  XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$410.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/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 2023-02-26
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the second dispute pertaining to SYNCB/LOWES they have fraudulently verified late payments, XX/XX/2022 letter sent from Lowes states no delinquent payments but you still report to credit bureau as 30 days late and now 60 days late in one month SYNCB/LOWES has been verifying fraudulent payments, I never made, if such payments were made why has the balance never decreased according to their records on a closed account and fraudulently re-aged a closed account. 
Under 15 U.S. Code 1681n as a result of the failure SYNCB/LOWES owes damages of XXXX dollars per violation. 
These violation were confirmed by SYNCB/LOWES to the credit bureaus, myself and to the CFPB. YOUR verified company response dates are the following dates XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: GOLDMAN SACHS BANK USA
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 have been a victim of identity theft, I was XXXX  from XX/XX/22 to XX/XX/22 My bank account at XXXX bank along with XXXX, XXXX, XXXX, and XXXX are gone. Accounts were opened with my credentials at different banks. 
Charged all my cards. 
I gave proof of XXXX  and filed a police report, I have provided all the documents and they are still giving me a hard time. 
XXXX bank XXXX XXXX card XXXX XXXX card XXXX  XXXX  Just to name a few

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
OnXX/XX/XXXXI acquired a HELOC in the amount $XXXX from BMO Harris bank to buy a property. When I applied for the loan the loan officer failed to provide me with my credit score. I believe I had a good credit score to qualify for a lower interest rate on may loan. I believe that the loan office abused my lack of knowledge of my credit score and sold me a predatory loan. I commenced paying on the loan for five years and the principle amount never decreased. Later on I found out I was only paying interest only. The terms were never explained to me and were very obscured. After making all the required payments towards the loan which ended on XX/XX/XXXX I received a letter from BMO Harris bank that we had to still pay them the amount of $XXXX. I explained that we had made all the payments to which they informed that payments were only to interest. I tried to enter into a payment plan as I did not have the full amount. BMO Harris was not giving me any affordable options to resolve the money owed.After requesting a copy of my documents such as payment history and copy of credit report used at the time of the loan, the bank refused to provide me with those documents.

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 2017-07-13
Company: BARCLAYS BANK DELAWARE
State: GA
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:
Dear XXXX and Barclay, I attached a copy of the letter from XXXX XXXX stating your company to delete and remove this account immediately from my credit report and credit files. I still want to know why your company violated my consumer rights because based on this letter XXXX stated they sent a request for XXXX to delete this account on XXXX XXXX, 2016. Therefore, both XXXX and Barclay have violated my rights under Fair Credit Reporting Act for reinserting a recently deleted item back on my credit report as well as did not comply with the collection agency request. I have already talked to a consumer attorney on this matter and I will be forwarding this letter to the Better Business Bureau as well as the Attorney General Office.

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