BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I noticed an authorized inquiry on my credit report I dod not authorize this company to run my credit this is against the law. I called in and was told it would be removed. they added this to my credit report on XX/XX/2XXXX 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 2019-08-03
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: Personal information incorrect

Complaint:
In or around XX/XX/2008, a utility company in XXXX XXXX, NV, where I had never lived, sent me a letter saying I owed them money for a utility bill. The company had my social security number, so I reported Identity Theft to all 3 credit reporting agencies. I filed a police report where I do live. They refused to change the erroneous information, and still report one of my previous addresses as the one in Nevada. I don't even know anyone who lives or lived there. In this complaint, there's a request for documents, however, since this is an Identity Theft situation, what documents would a person actually have? 

This is totally wrong, and shows their lack of concern for bona fide identity theft reports. They are one of the reasons so much of it occurs, because they make it so hard for decent people to correct what XXXX have done to hurt us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
For many years i have been contacted major credit bureaus and creditors to advised them regarding accounts that are not mine and open in conjunction of identity theft claim # : XXXX ; have submitted creditors and all three agencies with ID Theft Affavaid, police reports and consumer statements both via phone, online and in writing. The accounts opened in result of ID Theft are : XXXX XXXX ( 2 accounts ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and some accounts have resulted in collection accounts due to non payment which are XXXX XXXX XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX, XXXX, and 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 explanation
Consumer complaint received 2023-02-23
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2015 ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CITIBANK, N.A.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XXXX XXXX some XXXX had applied for XXXX credit cards under my name without my consent, Bank XXXX XXXX XXXX XXXX, Citibank XXXX I do not acknowledge any debts, Im a victim I want everything to be deleted. Thank you!

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 2019-04-24
Company: Experian Information Solutions 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:
I have been a victim of identity theft

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 2021-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XX/XX/XXXX approx XXXX I received a text from my friend at my home watching my dogs while I was gone starting a man came by to serve papers to me. My friend said I wasnt home he went on to look at the papers say that I was being sued by Bank of America ... gave my personal information to a third party. Please help me with this matter as my rights have been violated.

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 2023-03-06
Company: Accredited Collection Service, Inc.
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I spoke to this collections agency today XX/XX/XXXX trying to settle the debt that was turned over by XXXX XXXX. This debt was started in XXXX. 

This company has outright violated the The Fair Debt Collection Practices Act. XXXX threatened to sue me, stated my property and all assets would be taken or obtained if I didn't pay it in full today, because the courts would rule in their favor. She then would put me on hold and say that she could accept a lower amount but I only had until XXXX TODAY to give my banking information. She further harassed me to provide credit card information or she would turn my account over to the attorney to sue me if I didn't give her the information by XXXX. This debt is almost 3 years old! Why not just accept the {$720.00} that I was willing to pay, when that is ALL I can pay??? Why in the world are you KNOWINLY violating my rights??? 

My husbands truck was broken into and we had to fix multiple issues due to the break in. Everyone is falling on hard times and I was trying to do the right thing by calling and setting up a plan with this company. We have absolutely no savings and this company is causing me and my family deep mental and emotional anguish! Furthermore, after my phone call with this company, I am now experiencing XXXX XXXX and demand that they remove this debt immediately. Failure to do, will result in my filing a suit for direct violation of the The Fair Debt Collection Practices 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 2018-04-12
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 paid off my account with XXXX but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with XXXX   Experian, and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose In addition, it states everything on my consumer report is supposed to report to maximum possible accurancy under 5 USC 1681 e ( b ) as well as transactions, experiences, authorizations and approvals of credit are not included in your credit report under 15 USC 1681 a ( 2 ) ( A ) ( i ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-11-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

I have already disputed this account with the bureaus, but they did not remove it, nor prove validation. 

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: In progress
Consumer complaint received 2020-10-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/07 my wife and I wired money ( {$15000.00} ) from her personal XXXX account to our joint Chase XXXX for the sole purpose of transacting business future business. 

This action was to be completed in minutes as advertised at fee from the original bank at {$30.00}. Hours went by and the funds was not credited to the receiving bank. We called the XXXX and the information was that the funds left there institution as requested. We called Chase and 4 out of 9 customer service rep. Could not see the transaction but 5 could and we were told that there was a hold on the transfer but could not provide any further information. They however was able to verify that the receiving information was accurate so no issue there. 
We have since made numerous attempts to get the issue resolved with no success at this point we do not know where I visited the branch closest to me in XXXX NY close to my house. 

It is not acceptable for us to be incurring penalties when all we wanted to do was a simple wire transfer of our own funds that we worked hard for. 

I need answers? Were is my {$15000.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased a belt from Kohls in XXXX and was told that if I signed up for a Kohls card I would receive a discount on the product. When I signed up I scanned my debit card multiple times and was under the impression that I paid for the product with my own money. I was never alerted that I had paid with the Kohls card until a late balance was due. I never received the card and had no way to log in and pay it off regardless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX is the company on the credit file. Transunion is the company that will not do what is correct. They have reported an inaccurate late payment and I have contacted them and the credit bureaus. They have removed the account from XXXX and XXXX with no problems. Transunion keeps coming back with the account being verified when they have admitted it's an inaccurate late remark and was supposed to be removed. They are refusing to remove it and can not provide proof of the late payment. Neither can XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2023, I received a notice from my job about a garnishment from a collection agency for an outstanding XXXX XXXX XXXX XXXX for an address I never lived at and for a single-family home I never own or rented either. The address that was used to file the complaint against me was an address I used to live at 7 years ago. I never received a notice to come to court to dispute this matter whatsoever. They are taking 10 % out of my check every two weeks. The collection is for {$1900.00}. So far, they have taken {$630.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: General Motors Financial Company, 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:
GM Financial is in violation of 15 USC 1692c ( c ) 2, 15 USC 1681b XXXX is in violation 15 USC 1681b XXXX XXXX is in violation of 15 USC 1681b XXXX is in violation of 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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:
ITS BEEN WELL OVER 30 DAYS AND I HAVENT RECEIVED ANY INFORMATION FROM TRANSUNION REGARDING XXXX XXXX AND ITS INACCRATE INFORMATION SENT ON 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 2023-11-14
Company: Sequium Asset Solutions, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE ITEMS ABOUT WERE PUT ON MY CONSUMER REPORTS AND I WOULD LIKE THEM REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have a XXXX collection that was from identity theft. I notified the collection company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Sent Transunion a dispute letter dated XX/XX/2020 requesting validation and proof of original contract with signature from original creditor of debt being reported on credit report. 

Sent Transunion a dispute letter dated XX/XX/2020 requesting that XXXX XXXX XXXX  XXXX account be deleted from credit report for not identifying original creditor name and phone number. 

Filed a CFPB complaint regarding dispute letters with the following dates not being answered too on XX/XX/2020. 

Transunion sent an receipt of CFPB complaint into dispute of account on XX/XX/2020 and stated that they would extend the investigation time and do a complete investigation. 

Received investigation results from Transunion on XX/XX/2020 stating that the account is verified and that it belongs to me. How is the account verified? How did you collect your information? What steps did you take to collect this information to verify it as accurate? Where is the original contract with my signature that validates this debt? 

By the Fair Credit Reporting Act it states that an original contract with a signature must be provided from the original creditor to validate a debt. 
Stating that a debt is a consumers without a signed contract does not verify the debt as the consumers. Any creditor can report a debt on a consumers credit report and say to the credit bureaus that it is the consumers. Where is the proof?

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 2023-11-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
Made payment to stop charge off XX/XX/XXXX advised I would make payment again XX/XX/XXXX but check didn't clear at bank from accident explained I lost job I XXXX XXXX XXXX XXXX XXXX XXXX XXXX motorcycle accident XX/XX/XXXX so that set me back a lot tried catching up finally have money but they charged account off they didn't inform me or call me and toyota financial is also saying I told them not to call me which is a lie also vehicle was in accident and XXXX XXXX I had to battle with them on repairs didn't have vehicle for a year fighting with XXXX XXXX just recieved vehicle back XXXX weeks ago from accident XX/XX/XXXX 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: U.S. BANCORP
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hello US BANK, i ; ve had some major fraud occur with you guys and my identity. There was a fraudulent account opened in my name and i only found out recently because something was sent to me in the mail stating i had a negative balance and a new debit card was sent to me as well. I NEVER OPENED AN ACCOUNT WITH US BANK, i called and told US Bank the same thing over the phone. i dont think i should be liable to pay back something i didnt do and ive also placed freezes on my credit and identity because i have no idea what other accounts have been opened under my name. 

Id like this account closed ASAP, its fraudulent.

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 2023-07-19
Company: JPMORGAN CHASE & CO.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Promotional offer was being offered and advertised by JP Morgan Chase Bank to open a NEW Checking account and have an Electronic Deposit made within 90 days to receive a {$300.00} Chase Checking Bonus. 

I open the account on XX/XX/2023 and received confirmation with a tracking number XXXX. I was provided both a routing number XXXX XXXX and an account number XXXX. 

I immediately scheduled to have my Social Security check deposited to this account in order to receive the bonus. SS notified me that the first deposit would be made on XX/XX/2023 well within the 90 day period to receive the bonus. I was even notified by Chase that I had until XX/XX/2023 to receive the Bonus dated XX/XX/2023. 

On XX/XX/2023 I accessed the Chase.com Web site to realize that the account was not established and that my SS Check that I depend on was not deposited to this account. I also checked the SSA.GOV website to verify that the check was sent by SS to the New Chase account. 

In contacting Chase customer service I was put in touch with XXXX a supervisor in the Customer service area. XXXX informed me that the checking account was cancelled due to NO deposits in 60 days. She also informed me that a SS check was received by Chase for the above account but could not be deposited since the account was cancelled by Chase. Her only solution to me was to open a NEW Checking account at that time where they would deposit the SS check but it would NOT be eligible for the Bonus that was promised. 

The purpose of opening the new account was to take advantage of the Bonus of {$300.00} that was to be deposited within 15 days of the electronic deposit. I advised XXXX to return the check to Social Security of which I have to now correct for my XXXX payment. 

There is NO mention in all of the Chase literature that I have that indicates that an account would be cancelled if there were NO deposit in 60 days. Everything indicated 90 days including SS Checks. 

I believe that I had been duped by this false advertisement and now left with determining where my SS Check is. I followed their procedure as advertised and now cheated out of the $ XXXX bonus as well. 

I believe that they could have reopened the original account and honored the {$300.00} bonus as advertised but they refuse to make any correction or offer any advise to correct this besides opening up a new account. 

I appreciate a resolution to this on Chase 's part with dcoffering me the {$300.00} as advertised and promised. 

I can be reached by XXXX Mail at XXXX or physical address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Thank you, Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: MD
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation