BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-30
Company: DISCOVER BANK
State: NY
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:
On multiple instances i requested that XXXX XXXX, discover and XXXX XXXX XXXXXXXX provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-23
Company: Account Outsourcing Group, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have outstanding medical insurance under my husband 's policy through XXXX, I have no copay, and my XXXX pays for any coinsurance that may be outstanding. With that being said, I owe no debts to anyone, I made certain of this by visiting the billing department at XXXX XXXX XXXX XXXX in person prior to my XXXX and making certain that any old debts were paid. I did this because my employer offered no XXXX XXXX XXXX or XXXX leave and would essentially have to let me go once it was time for me to XXXX XXXX in XXXX of 2017. One would understand how I then find it difficult to comprehend why I have an outstanding bill for XXXX XXXX XXXX. Firstly, my name is XXXX XXXX XXXX, my middle name has never been " XXXX '' ... that is a candy bar. Secondly, if this debt was valid and they processed it correctly through XXXX, they should have been paid in full right? Well, to my surprise, I have received a bill from a collection agency for {$300.00} that is apparently owed to XXXX XXXX XXXX XXXX. I have several problems with this recent turn of events, first, I repeatedly asked the representative at XXXX XXXX if the bills proposed to me were complete when I paid them, and she confirmed that they were, I do not have another {$300.00} to give to anyone as I am XXXX. Second, I do not take lightly my private and proprietary data being sold to third-party organizations that I have no contractual obligation to. Who are they to share the very same information that they are supposed to protect under HIPAA law? Third, I made XXXX XXXX well aware of my financial hardship, and they have made no attempt to adhere to the Healthcare Financial Assistance Law ( HFAL ). I have been offered no assistance nor have I been given an opportunity to negotiate my outstanding debt.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: NC
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and U.S. Bankruptcy Court Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CITIBANK, N.A.
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, MACYS/DSNB add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof  that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-12-16
Company: Experian Information Solutions 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:
My Identity was stolen By a unknown Identity theft all account open by this unknown theft was listed in this complaint

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 2021-05-04
Company: Bread Financial 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:
I have a late on my credit report from XX/XX/XXXX on a XXXX card when in fact that account was paid off in XX/XX/XXXX. I called company and they said that they are not reporting this because there is no late to report. However XXXX is reporting me late of XX/XX/XXXX on that account and I need this to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Fruad account appearing on credit report. 



XXXX XXXX XXXX {$110.00}

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 non-monetary relief
Consumer complaint received 2022-04-27
Company: CORELOGIC 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:
To whom this may concern, CoreLogic illegally furnished fraudulent reports without my knowledge or consent infringing upon my right to privacy pursuant to 15 U.S.C.1681b, 15 U.S.C . 1692e, and 1692d false and misleading information in my consumer file/report. This information was in turn supplied to XXXX as well as XXXX XXXX XXXX. A clear breach of my privacy has taken place under the guise of : " credit risk assessment ''. I am demanding that this information be removed and ask that Remedy be sent through mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I got an email from a XXXX XXXX ( email XXXX ) saying that I had purchased .017 Bitcoin for an amount of {$470.00} that they were going to take from my bank account. They even had an invoice # XXXX and a phone number which is XXXX. When I called that number, a person with a heavy foreign accent began to ask me for additional information to process a cancellation of the invoice. I refused to give any futher personal information. I called my bank and they said no money had been taken yet and they would keep the account under surveillance if such an invoice did come to the bank. This was all done under the name of PayPal who wrote that the payment was processed. 
The PayPal support team number was XXXX. 
If they had taken this money from my account it would have crippled me financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
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: Personal information incorrect

Complaint:
I have called, mail both with tracking and regular mail to all 3 credit buries to remove inaccurate personal information from my credit report.

Here is the USPS tracking XXXX, XXXX XXXX, XXXX, XXXX They have being unresponsive and I can't deal with them anymore and need your help to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My lender is breaching terms and reporting lates when I made all the required payments. Here is a brief summary below ... 

On XX/XX/XXXX I received an alert from my credit report saying my score significantly dropped from a missed mortgage payment. In XXXX of XXXX I made my mortgage payment and shortly after Covid-19 hit the country. Carrington Mortgage offered a forbearance plan for 6 months. I went ahead and accepted the forbearance plan for 6 months. The forbearance started in XXXX of XXXX. In early XXXX I received a letter saying that my forbearance was approaching its 6 month end and I needed to call to find out what options I had. When I spoke with a customer service agent at Carrington in early XXXX of XXXX I was told that I had some options of either a payment plan, mortgage assistance or paying in full. I was told anything after the XXXX of XXXX I would acquire late payments and fees. On XX/XX/XXXX I called and spoke to a customer service agent and we made arrangements of paying everything in full. The payment I made was {$7700.00} and that was to cover from XXXX to XXXX payments. I was told that my mortgage loan was in good standing and my online mortgage access has been restored to make future online payments. From that day I have made XXXX, XXXX & XXXX payments. When I called today I was told that my XX/XX/XXXX was missed and it was 180 days late. I do not understand that when I made a payment in XXXX with a lump sum to get back into good standing how this even occurs. This puts my family in a very bad spot with me being the provider and taking such a hard impact on my credit score. I refinanced my past mortgage loan with Carrington and I have never missed a payment. I needed assistance with the forbearance because of Covid-19 so I used those 6 months to get everything back on track. When my 6 months were up I made good on my payments. All I am asking is that this derogatory mark get removed from my credit report and my score hopefully comes back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: DE
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:
On XX/XX/XXXX I contacted Equifax XXXX to inform them that I did not authorize inquiry from XX/XX/XXXX which was showing on my credit report. Company stated they could not find my information and they could not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently had a checking account with J.P. Morgan Chase Bank. It was opened XX/XX/2021 and was closed shortly after, abruptly and with out notice of any kind, on XX/XX/2021. There was a total balance of XXXX in the account at the time of the closing. This money that i have worked so hard for, was suddenly taken by the very institute that i had entrusted it with. I encountered great difficulties on behalf of Chase Bank and its associates when i attempted to inquire as to why my checking account had been closed and why my money has not been returned to me. Their response was that it was a business decision on behalf of Chase Bank to close my account and discontinue our business together, and they could say no more to that matter. Fair enough. Frankly, i had no intention of continuing any business between Chase bank and myself, either. The unprofessionalism and lack of respect for the private property of their customer has left a bad taste in my mouth, so to speak. I know well enough not to do business with companies that behave in such a manner. My main concern is my money that they have kept from me to this day. When i inquired as to why they had taken and continually refused to return my funds, they responded firstly, that the money was issued from the Unemployment Department of the govt, so therefore it had been returned to them and the bank no longer had the funds. I responded with, first of all the money was not issued by the unemployment department, that is completely inaccurate. Of course they did not listen and continually tried to tell me where MY money had come from. So i called the Unemployment Department and asked them to verify that the money was not from them. They not only verified that the money was not from them but that they had not received any money from Chase Bank. Even though Chase Bank had specifically stated that my money was " returned '' to the Unemployment Department, that fact is, the money never left their hands. When i called and told them that i had spoken to the Unemployment Department, they relentlessly and continually stated that they did not have the money and that it was in fact returned to the bank accounts they were transferred from, even though a a lot of the money had came into the account as cash deposits and that they could not tell me which banks the money was sent back to. The very last time i spoke to them, they had once again changed their story and stated that they did have the money the whole time and that they were keeping a hold on the funds during which they will undergo a verification process. I am running out of patience, and i have been very patient and cooperative with them, only to be treated with, to be blunt, downright disrespect. I simply want these games to end, and i want my money to be rightfully returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Ray Klein, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dates : XX/XX/2022 Amounts : {$93.00} ( now ) Actions Taken : I emailed and texted them telling them it wasn't my debt and that I had never received phones or service from XXXX XXXXXXXX but they continued to bill me and it kept adding up to the point of what it is now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: ALLY FINANCIAL INC.
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Some of the transactions on my account are being processed twice. Its very random and not all transactions. For example a transaction posted today for {$46.00} from XXXX and it was subtracted twice from my funds. I had a transaction last week from XXXX last week when I went grocery shopping and it processed twice. My paycheck was deposited today and Im hesitant to pay bills because I do not want to risk the transaction going though twice. Ally bank does not respond to messages.

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 2018-12-28
Company: STATE FARM BANK, FSB
State: NV
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:
XXXX  has been non-compliant with removing the unverified account STATE FARM BANK Date opened XX/XX/2016 which has been deleted by XXXX and XXXX   XXXX and XXXX have both completed their research and determined that STATE FARM BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This information does not belong to me and it may be causing me problems. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-06-06
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26
Company: JPMORGAN CHASE & CO.
State: MS
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2021, I opened a checking account with Chase Bank. I made an initial deposit and enrolled in automatic deposits with my employer. I used a promo code to get a {$200.00} bonus for opening the account. Today ( XX/XX/2021 ), I found out the bank closed my account and I received a check with less money than what I think I had in my account. I did not receive the bonus either. The bank refuses to tell me why they closed my account and they told me they do not ever want to do business with me, however they have not closed my XXXX credit cards that I have had with them for 10 years. I believe this is unfair and I at least deserve to know why they have made this decision. I have an excellent XXXX XXXX, XXXX debts and have never been involved in any financial issues with any banks. I am afraid of what this means and I don't know what should I do to prevent something similar to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i received a letter from Synchrony bank dated XX/XX/2020 and they have decided to close my acct with Sams. This is the second one in a year Synchrony bank has closed my acct. i have never missed a payment with any account issued by synchrony bank and they have lower my credit limit and then decided to close my account without any notice. Synchrony closed my JC Penny credit card last year and now they decided to close my Sams credit card last week without any notification.  Both of my credit cards have XXXX balance on them, but the fact Synchrony bank close my account without prior notice was inconsiderate and disrespectful. I have increase my credit limit on most of credit card except for these two. i don't wish to ever get credit from this bank again.

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 2022-08-07
Company: EQUIFAX, INC.
State: MI
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:
This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act XXXX XXXX account number # XXXX has violated my rights and 15 USC 1681 section 602A. States I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.

Company response to consumer: Closed with explanation