BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: SYNCHRONY FINANCIAL
State: GA
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:
SYNCB XXXX XXXX XXXX XXXX XXXX Draper, UT XXXX United States XX/XX/2022 To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/2022 by SYNCB. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611

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 2023-02-06
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
A check from Social Security for XXXX XXXX was deposited into my CitizensBank account on XX/XX/XXXX. They also close my account the same day, but took their XXXX overdraft fee. Ive been trying since then to get the check sent back to me and or Social Security for days now every time I call, they tell me error on their end, they wont let me speak to a supervisor, so Im not sure what else to do. They took the XXXX but kept the remaining balance that was supposed to go into my account to ask if they can re-open the account and put the remaining balance in they told me 7 to 10 days and still nothing I called this morning and basically no answers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected 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 explanation
Consumer complaint received 2018-09-27
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2015 my father was ill and we were going to be late on our mortgage payment so we notified U.S. Bank that we had issues. They proceeded to tell us that they wanted to help and we were eligible to refinance our loan to get lower payment. We were excited to have the help. We were told NOT to pay any more payments as we were getting a loan mod that would help us. Several weeks later we received paperwork that we signed and had notarized and sent back. The 'New ' payment went UP and then we were told that we were delinquent on our mortgage, which really messed up my credit. Then we struggled for several years and caught up all payments, not all before the XXXX so I accrued late charges, which is fine, I deserved those. But as I am selling my house I am hit with a {$34000.00} charge that somewhere along my loan U.S.Bank filed for a claim with a company of XXXX for the sum of XXXX and now they are charging me for this loss that I had no idea about. I feel as I am the victim of Predatory lending and fraud. Please help me if 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 explanation
Consumer complaint received 2022-12-16
Company: Genesis FS Card Services, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On XX/XX/22 I was contacted by ( XXXX ) XXXX at XXXX and was unable to answer right away. From the moment I called back at XXXX I was pressured into making an immediate payment. I was communicating to the agent that at that moment it wasnt the best time for me to set up an arrangement ( I would have to look at my budget ) and she began to get super hostile and tried to strong arm me. Despite me reassuring her that I would call back at a later time to set something up, she cuts me off and threatened to tell the creditor that I was unwilling to pay the debt and hung up. This is the worst experience Ive ever had with a debt collection and the fact that she said that worries me that legal action is going to follow even though I told her I would call back to set an arrangement. Please if you can investigate the call because right now Im too intimidated by her behavior to even call back and get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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:
Just recently found out about, while opening o new checking account, about an item on my Experian credit report about a loan denial with XXXX XXXX  on XX/XX/2021. It was not me asking for a loan with this entity.

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 2022-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Bank of America , N.A . and Consumer Financial Protection Bureau : I have exhausted all my remedies in trying to contact this person that I don't know by the name listed in the transaction dated XX/XX/2022 to someone XXXX, XXXX. 

I was told that this person by name such as XXXX XXXX is associated with a XXXX XXXX XXXX. I attempted to set up such a contribution on my cell phone and my phone locked up sending out the payment without my full approval or authorization. 

Now that since such an account such funds are within the Bank of America , N.A . and such attempts were requested that Bank of America , N.A . return such funds before having to contact XXXX. 

As of this date, I have notified Bank of America , N.A . to return such funds back to my account. Bank of America , N.A . has failed to honor my request after several attempts to get the transfer reversed so that I can donate such funds to the XXXX organization myself without going through XXXX... 

I would greatly appreciate it if Bank of America will administrate a forced return on such an account and question such a recipient to show proof of why such a person is entitled to these funds. 

I don't participate in XXXX and will greatly appreciate a return back to my account and bringing my account current with a reversal of {$250.00}

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 2022-12-14
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:
This fraudulent account should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection account listed on my credit file which is unknown. I do not owe this amount to this company. I have NO records of even having opened an account with this company. I have disputed and received nothing. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Billing dispute for services

Complaint:
I clicked on a link to get my free yearly credit report and went to the TransUnion website. They push me through a lot of deceptive links ( where the option I wanted was in tiny print and the link that cost more money is green and big ) and I eventually arrive at a page asking for my credit card #. I searched why they needed it and the site says its for security reasons to link with my identity. 

I finally see my credit score, close out and find a receipt for XXXX in my email today, XX/XX/20. 

I absolutely never would have paid that knowing I am entitled to a free report. I even checked before entering my credit card information why they needed it. This is disgusting and predatory behavior from a company I have no choice but to deal with. These people have done this before and are up to their old tricks. Please, please, help bring some consequences to this type of theft to hopefully prevent them from stealing from more people.

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 2020-05-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
It has been over 30 days that XXXX  has not made any written statement why they are keeping an duplicate account on my credit report. Account number XXXX fell off my account over 7 years ago. The furnisher Portillo Recover has violated the Fair Reporting Act. XXXX  by law has to show me the original date the account was removed from my credit report. XXXX does not have a credit card with XXXX XXXX. Portfolio Recovery Service to remove their name and account off all credit reporting agency in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT 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 explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a consumer by law, This has NOT been submitted in error.

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality Under 15 USC 1681. 

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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX TRANSUNION 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX the above Have violated my rights .

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

15 U.S.C Sec 604 A Sec 2 : States A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2022-08-08
Company: Oliver Adjustment Co.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At end of XX/XX/2022 have received a debt collection notice from Oliver Adjustment Company, for services I had at XXXX XXXX XXXX XXXX XXXX... 

I did not receive any direct bill/invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
I assumed/expect my insurance payed in full. 

When I received debt collection, I drove over to XXXX to inquire. 
Seems their offices are closed down. There was a number on the window to call : XXXX XXXX XXXX ... I call this number but there is no answer. 

I should not have to take my time to correct what is going on, and potentially have my credit rating damaged. 

Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: HEAD MERCANTILE CO., INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I NOTICE THREE COLLECTIONS FROM HMC GROUP ON XX/XX/2020, SO I RESPOND IT TO THEM ON XX/XX/2020 REGARDING THE ALLEGED DEBTS OF : XXXX, AND XXXX THAT I DON'T OWE.I HAVEN'T RECEIVED ANYTHING AS OF YET AND I HAVE ATTACHED A COPY OF THE LETTERS BELOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Paypal Holdings, Inc
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Contacted debt collector that this is not my debt. I do not have a PayPal account. I received no response.of this debt They claim the Balance Outstanding is {$28.00}. 
The reference Number given is XXXX I want to see a signed contract that I owe this debt and the last statement of the bill for this debt. 

Once again this is not my debt and XXXX XXXX XXXX need to stop attempting to collect money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft, I did not Authorize this Account This Is Fraud. I have a Fraud Alert On My Credit and I cant Understand how I became a Victim Of Identity Theft. I am being blocked from purchasing a property for me, and my family, this is a great stress for me and my family .... not to mention the crisis that we are currently experiencing. I will be homeless if this is not corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
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 VIITIM OF AN IDENTITY THEFT, THE XXXX XXXX ACCOUNT ON MY EXPERIAN CREDIT REPORT IS FRAUDULENT, I HAVE SENT NUMEROUS TIMES MY IDENTITY THEFT REPORT ALONG WITH MY PERSONAL STATEMENT AND MY ID CARD. THE CHARGES ON THAT ACCOUNT IS FRAUDULENT, I HAVE NEVER REQUESTED TO HAVE A SECURED CREDIT CARD FROM XXXX XXXX. AGAIN, I MA VICTIM OF AN 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 explanation
Consumer complaint received 2022-02-23
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Im a XXXX veteran and have been FORCED to deal with this company just to get an invoice. 
I NEVER asked to have paperless bills, my first contact with company was to get a bill and pay it. 
Now that CFPB got involved they were forced to actually send me an invoice see attached file and payment has been mailed Friday XX/XX/2022 from XXXX XXXX XXXX. 
Now they are harassing me saying my payment is late! This is out of my hands! Im a XXXX veteran!

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 2020-05-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CHASE bank is reporting 2 erroneous credit cards to all 2 credit bureaus in charged off status. Now we received collection letters and aggressive collection calls for the cards that do not belong to me XXXX XXXX. Numerous attempts to speak with someone at chase went wasted and in a never ending loop of transfers from one agent to another all asking for a full account number for these credit cards in default. Attempting to explain the fact that these do NOT belong to me thus I would NOT have a full act number went ignored .... Then written request to Chase providing them with a copy of my ID and social #, at first Chase finally responded after almost 64 days, stating they " need more information on these accounts, could NOT find any accounts with information and documentation provided ... ''. Then on XX/XX/XXXX we received a big envelope with a copy of electronic application in the name of XXXX XXXX ( NOT ME ) with address NOT belonging to me, and other personal info of ANOTHER PERSON, not even closely matching to mine ... Again calling and writing chase requesting deletion of these accounts from credit report went ignored ... On XX/XX/XXXX and XX/XX/XXXX XXXX sent more letters NOW stating they confirm that information reported to credit bureaus is correct ... HOW IS IT POSSIBLE THEY PROVIDE ME WITH A COPY OF CREDIT CARD APPLICATION OF ANOTHER PERSON WITH SIMILAR NAME BUT DIFFERENT SOCIAL, ADDRESS, DATE OF BIRTH ... THEN STATE THEY REPORTED THIS CORRECTED TO ALL BUREAUS .... ATTACHED PLEASE FIND EVIDENCE OF THIS VIOLATION ON SEVERAL COUNTS ... 
It is also alarming that a big bang like CHASE can just mail out someone's application revealing their social and other personal info, instead of doing a little research and at least attempt to protect identity of their customers ... this is very very alarming. I will be sending my complaint to attorney general 's office, inspector general and FTC this is wrong and I-innocent consumer should NOT suffer from their lack of compliance, negligence and ignorance ...

Company response to consumer: Closed with explanation