BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I used PayPal Credit recently to make a purchase but when it started my account, it wouldn't let me access the online portal for my statement. It gave me a technical error and I immediately called in XXXX, XXXX, XXXX, XXXX, stating I couldn't access my statement. In XXXX I assumed they would resolve it, so I called to report the problem them made a minimum payment through the phone system. Each month, they were unable to provide me access or resolve the error. In XXXX I requested a paper statement be sent because they were charging me late fees and said I owed a significant amount of money. I have never been provided a bill or statement that indicates what I charged and what I owe, just a reminder to pay have been emailed and texted with a request to view my account by logging in ; the email and text were a 'no reply ' so you can only call the company. Again, I tried to access and received a technical error and it wouldn't connect me. I can't screenshot the error, it says due to privacy I can not screenshot, when I call they run me through questions but can not resolve. Again, when a paper statement was requested, it was not sent and no information stating this request was sent to me. They recorded the call, they say when you call, but that is all I have. They corrected the late charge, because I asked for a bill, but again nothing to help me access the account or account information. How can I pay or verify debt if they refuse to provide information about it or help resolve the issue with accessing the account?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of Inquiries : XXXX XXXX XX/XX/2022 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 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 response to consumer: Closed with explanation
Consumer complaint received 2019-04-27
Company: Accelerated Financial Solutions, LLC
State: MO
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:
i wrote ACCELERATED FINANCIAL SO on XX/XX/2019 about this item they say i owe and i never heard from them since.asking them to verify or remove the negative item from my credit report.never gotten the item validated and it clearly has been past the 30 days required by law for them to answer back. certified letter is XXXX .this is damaging my credit

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 2021-11-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. Equifax is also reporting this information with no proof of validation of this debt. I have contacted XXXX XXXX and they were unable to validate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I sent an ACH Revocation to AF247 on XXXX via email ( XXXX ) and via fax, in which I revoked my authorization allowing this company to make debits to and from my bank account. I sent this revocation letter to my bank as well. The reason for the letter is that I currently can not afford to make their interest payments, which is 90 % of my paycheck. I had asked AF247 to freeze or suspend my account so that no further interest would be charged, and I make payments to my principal. They refused, and stated that I could make smaller payments every two weeks, but could not tell me if the payments would be for principal or for interest. On XX/XX/2019, I discovered they processed an ACH payment, which put my account in the negative. They did NOT have authorization to debit my account. I also found out today that another transaction was initiated by AF247, but the bank returned the payment, which lead to another bank charge. Neither the XXXX or the XXXX transaction was authorized. I spent nearly 45 minutes on the phone with AF 247 on XXXX, only to be told that they had to research and would call back that day. They still have not called back. 

I am concerned about their blatant refusal to honor my ACH revocation, and I am also concerned as to why they could not tell me if the bi-weekly payments would be applied to the principal amount or interest. The interest is at a mind-boggling 360 %, and I am not sure if this is ok. I'd like them to be investigated if possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-29
Company: Experian Information Solutions 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:
I have disputed these items XX/XX/XXXX after noticing them on my credit report along with other fraudulent accounts. I disputed this particular item with others XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX correspondence was even sent from XXXX stating they were masking them and deleting. this has not happened to date and keeps coming back as verified. I have sent copy of police report as well and requested the full description of how the investigation and reinvestigations were performed and never have received anything.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I recently initiated the process of purchasing a house, and during the mortgage application, I discovered several inquiries on my credit report that were not made by me. Additionally, there are negative items, collections, and late payments reported that are inaccurate and have resulted in significant damage to my credit report.

However, after conducting thorough inquiries with the respective companies in the credit reports, it has been confirmed that they do not have any records of me in their systems, and still, the credit bureaus refuse to do a proper investigation to correct my credit reports.

I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which leads me to acknowledge that these creditors have violated my rights under 15 USC 1681, Section 602, which states I have the right to privacy, and 15 USC 1681, Section 604a, Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.

The Fair Credit Reporting Act ( FCRA ) prohibits the reporting of inaccurate information and ensures the accuracy, fairness, and privacy of information in consumer reports. The inclusion of unauthorized inquiries and inaccurate negative information on my credit report is not only a violation of my rights under the FCRA but also constitutes defamation of my character. 

Account XXXX XXXX XXXX  Account # 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 2021-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE ACCOUNT/INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THE FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE CRIMINAL COMPLAINT WITH FEDERAL AGENCIES I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-07-28
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have several inquiries listed on my credit report that I don't know anything about. I just noticed when I accessed my credit report. This was not done by me. I have explained this several times. Please delete this fraud information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: STATE EMPLOYEES CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent out a letter on XX/XX/2021 with my ID and identity theft statement as well as a police report for an account someone took out fraudulently in my name. SECU failed to remove it. I called to ask why and they said it is correct but it is not. I also have never lived at the address they are saying I have and I provided that proof as well. 

I also called the credit reporting phone number XXXX and was not given any help by XXXX or XXXX. I had to ask for the supervisor. I was transferred to XXXX and he disconnected the phone line. I have not been able to get help since and they have seemingly blacklisted my account so no one provides help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Exeter Finance Corp.
State: FL
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 had a hard credit inquiry done by XXXX without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
All three bureaus. I have been trying to fight against fraud that happened at my school ( XXXX XXXX online division ) since 2010. All of my expenses were covered under grants and student loans. I was told I would not have to pay until after graduation. I was lied to and a victim of financial fraud when just before graduation the school slapped me with {$10000.00} bill they said I had to pay before I could graduate. I couldnt afford it, obviously, so the school removed my credits ( I have all ready sent proof that I technically graduated to the DOE multiple times ) and stated I didnt finish all of my credits. I was on track to graduate with a very high GPA, never missed a class, never missed an assignment. They XXXX me and its caused a massive financial hardship since. Its destroyed my credit, prevented me from furthering my education, getting decent jobs, a cant get a mortgage etc. I have asked the DOE to prove I graduated and received my diploma ( Ive proven I havent ) or to forgive my loans and remove all negatives from my credit report. This is the LEAST they could do for ruining my life. They stated I missed some sort of deadline which is false. I reached out everywhere I could think of after it happened but got blown off. Not much later my school closed because XXXX went bankrupt ( that started near the end of my classes ) and the deceit was finally exposed. I even forwarded the correspondence to the DOE with the emails I received regarding this. All I ask is for the DOE and credit reporting agencies PROVE I am wrong. If they cant, they need to wipe my records clean, wipe my loan because I owe a large amount of money for a product I didnt receive ( no fault of my own ) or we will end up in a civil battle for WAY more than the value of my loans.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I was charged twice by XXXX an airline company for the amount of {$1200.00} on XX/XX/2021. I contacted Chase Bank about this transaction and immediately filed a claim. I faxed copies of the transaction, flight tickets, statement of the amounts charged, confirmation number, and multiple emails to the vendor addressing the issue. Chase stated that the charges were valid. However, I disagree and feel that as a loyal customer of XXXX years they could have resolved this transaction. They stated that I took to long to respond to them. I took 2 days to fax over a statement that they were asking for and I had to go to one of their branches because the only option was to fax it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14
Company: DISCOVER BANK
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This is additional information I want added to my current complaints # XXXX, XXXX and XXXX against XXXX  XXXX XXXX aka XXXX and Discover Bank XXXX! Not only did they steal {$25.00} fraudulently from my Discover checking account under the name of XXXX XXXX XXXX on XX/XX/XXXX for a NSF fee on a check that was NEVER a NSF, it was paid on the second attempt when XXXX XXXX, XXXX XXXX XXXX XXXX, presented it a second time, then a week later XXXX steals this {$25.00} from my checking account!!! On top of these two and the company working together to commit fraud and steal from customers, they then flat out LIED to the CFPB and Discover Bank!!! They told the CFPB they did not receive this fee and had resolved all on their end, LIARS AND THIEVES!! Then when I saw it had been taken from my account, after the CFPB gave me this response they gave them, I filed a dispute with my bank Discover Bank which I had to contact corporate over and file a complaint to get done, then XXXX their investigator, allowed them to keep the funds claiming it was legitimate after she ignored two of my phone calls and then sent me a short note stating this!!!!! All of the banks are in cohoots allowing this illegal activity!!! Then I get the report from XXXX showing a list of checks that were paid when I wrote them in the past that were NEVER NSF 's either along with them showing a resolve on a check ( # XXXX for {$30.00} to XXXX XXXX XXXX on XX/XX/XXXX ) that was NEVER a NSF, this is the one I am disputing with this claim and also showing on XX/XX/XXXX XXXX # XXXX ( which was never even used, as I always prepay my gas and they declined the check at XXXX XXXX XXXX in XXXX IL that day and they show this duplicated and not authorized claimant with a code 5 which means possible bad check and I had plenty of money in my account and had no bad checks out nor had I had any!!!!! ) I want all of these removed from my report now and I want all of this information handed over to your investigators and the FTC for prosecution, these idiots NEVER learn they were just fined billions a couple of years ago by the FTC for the same!!! I am also contacting a lawyer about all!!! I also want my {$25.00} they stole from my checking account reversed by Discover or they will be included in the lawsuit. I also want the FDIC notified of all. I have already filed a complaint with the FTC and will contact the FDIC myself tonight too!!!! Shut these crooks down!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I asked the credit bureaus to send me proof of my written authorization and the permissible purpose I made I never received any response from them.

In accordance with the Fair Reporting Act, these companies have violated my rights. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Listed below are the companies and the date of inquiry : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my written instructions.

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