BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry on XXXX XXXX from XXXXXXXX XXXX XXXX  XXXX  XXXX from purchase made on XX/XX/XXXX which I did not authorize on purchase made. I asked before purchase to salesperson XXXX XXXX at store XXXX I had an account she stated it's open account from XX/XX/XXXX and she just needed to update Information job history and address I asked if it was going to be a hard inquiry because I didn't want one on my credit report she stated it would be a soft inquiry because they do in house finance and I already had an open account in good standing. I then made a purchase amount of XXXX I paid XXXX cash in store with a balance of XXXX on XX/XX/XXXX and made a XXXX payment on XX/XX/XXXX I recently seen a hard inquiry on credit report from Synchrony bank for XXXX XXXX. I called both parties on XX/XX/XXXX and Synchrony bank has no Account with me and XXXXXXXX XXXX XXXX  states I have a in house account with them and not with Synchrony Bank. I called XXXX XXXX in XXXX XXXX and they said they cant help me but they will check into it. As of XX/XX/XXXX I have an open account from XX/XX/XXXX with XXXXXXXX XXXX XXXX  a hard inquiry from Synchrony bank for XXXX XXXX XXXX and no current account Information from purchase of XX/XX/XXXX from XXXX XXXX  on credit report. Please help me 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 2018-04-06
Company: Collection Resources, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXXand mainly all medical bills from XXXX XXXX I had to have, I looked on XXXX XXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then ....

next one is XXXX XXXX i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is collection resources my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not XXXX   right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: Early Warning Services, LLC
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello good afternoon! 
I got scammed and sent money through Zelle to the scammer and was not able to reverse the transaction in the amount of 2000 XXXX 

I spoke to the bank and Zelle fraud office and all they said is " we filed a claim '' there is nothing else they can do! 

It's a lot of money and I need to pay bills!!! 
please let me know if you can help. 
thank you!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: United Revenue Corporation
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am wanting to buy a home so I am trying to pay off bills I have in collection, I wasn't aware of a lot them that are in collection due to the year they went in, which it ranges from XX/XX/XXXX-XX/XX/XXXX and mainly all medical bills from XXXX 's I had to have, I looked on XXXX XXXXXXXX to see what all on there but it didn't list them all for some reason ... i have asked all 3 credit burous for my reports due to I cant seem to just look at them on-line ... anyway ... on XX/XX/XXXX i started to call the agencies where i have bills at pay them in full, i called XXXX XXXX that my report said i had 1 bill at there in amount of XXXX but they informed me i had 3 bills in amount of XXXX, I requested they send me a statement and they said they don't have to send me anything and how would l like to pay that today? I told her i'm not paying anything till I get a statement and she informed me well I guess you will owe this forever then .... 
next one is United Revenue i had 3 bills there according to my report but when I called they said I had 5, the 2 I didn't know about amounted to XXXX which the total of all was XXXX so i paid it all in full and requested they send me a statement that says each bill that is paid, she informed me we don't do that, I can send you a email for proof of payment saying paid in full, I said ok but how do i get a statement of each bill that was paid, she basically said she doesn't know nor do i care ... .this was after i paid it all in full ... my acc # is XXXX and conf # is XXXX that's all she tell me, next one is XXXX XXXX my bill there was XXXX which I paid in full but said she could not send me anything that said i paid ... she said use your account to prove it, I cant prove its paid by that cause there is no name of company where the bill came from nor would it say paid in full ... .I am so mad that all these places don't give a XXXX about you and all they want is money..all of them told me it would be over 6 weeks before my credit report would say its been paid or longer depending on how they feel ... .this is not freaking right ... I'm trying to get my credit to a great place and they don't seem to want to do XXXX for you ....

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Resurgent Capital Services L.P.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Not sure why lvnv funding is on my credit report in the amount of {$2700.00} I didnt give permission to release my info to this debt collector XXXXXXXX XXXX XXXX  as well in the amount of {$180.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: CO
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 been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: ALLY FINANCIAL INC.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I got a notification that my Ally Bank Account ( checking & savings ) was disabled for online login. I also got a notification that my mobile account had the pin change. As of right now, I have no access to my money and their recommendation is to call them. As of right now I have been on hold for over XXXX hours with no end in sight. I have bills to pay and not being able to access my account can be costly.

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 2021-04-27
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a letter in the mail from Huntington Bank about an account opened in my name and I personally never opened an account at that bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions 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:
SOMEONE USE MY IDENTITY AND OPEN CREDIT CARD ACCOUNTS AND BANK ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 XXXX XXXX XXXX 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 2018-04-10
Company: ERC
State: IA
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:
1 ) These accounts, opened in XXXX and XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XXXX thru XXXX timeframe. 
2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX  and XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved. 
It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
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:
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 2018-07-26
Company: ARS National Services, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive calls mutiple times a week on my cellphone. No voicemail is ever left and they call from a blocked number. When I don't answer they then call me at work after I have asked them not to call me at my place of employment. My last contact with ARS on both my cell phone and at work where again I told them not to call was on XX/XX/2018 at XXXX EST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: ERC
State: PA
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've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report. 

Account Name : ENHANCED RECOVERY CO L ( Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... 


Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX I have had the same account and card from XXXX for the passed 19 months I have not gotton a bill or and email bill from them in the mail. I report it to then 19 months ago my home was robbed and id stolen but they still have me with my name using this card the only way I know is the bill is getting paid through my checking account which I told my bank and had a police man came to the home to report it then! they have sent me pre approved increase amount and they have said no because my balance is to high they sent me filyers in the mail saying I have discounts and rewards to use. how can I when the amount on the card is maxed out and someone still using my old card and got adublicate card. an XXXX refused to listen or do anything about it. I paying someone to use my card and they stole it and my bank number. people should not have to pay a bill if they never get a bill on paper or a bill from email. the card says vaild through XXXX XXXX needs to repay me all the money back that I have paid and have a XXXX  balance on my account. then they have the gull to send pre approved letters every six months with a date to take it. like I said above. then when I do they say the limit is to much or I have not called

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: JPMORGAN CHASE & CO.
State: MD
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:
A credit card was fraudulently opened in my name on XX/XX/1999. I was XXXX years old. Chase bank issued a credit card to a XXXX year old. I discovered this when checking my credit score for the first time. Today, I received a text from Chase to reset something on the account. I have tried contacting Chase in EVERY way, and they will not respond to me. I have called every number listed on their website, and each one requires an account number to speak with anyone at all. I literally can not talk to the fraud department without an account number that I obviously do not have. I have tried reaching out to them on social media, and they have not responded. I would prefer that I don't have to go to a physical location during a pandemic. 
Chase has an obligation to let me notify them of fraud within their own business! It has been made clear to me that they will only speak to you if you are an existing customer, and they don't care if someone fraudulently opens an account because there is no way to talk to them about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-02-26
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: Credit inquiries on your report that you don't recognize

Complaint:
I received a potential fraud activity from accounts being opened in my name through XXXX and Transunion on XX/XX/XXXX and XX/XX/XXXX, that I did not speak to someone on these matters, I am a victim of identity fraud so I'm not understanding how was the system able to move forward with hard inquiries without calling me considering there is a phone number stated on all 3 of my credit files to contact me before any credit is being issued and this did not happen. So please explain XXXX and Transition how did this happen how are these creditors able to put hard inquiries on my credit report without contacting me here are the inquiries as followed : on XX/XX/XXXX received a fraud activity alert from XXXX for 4 accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX received a fraud activity alert from Transunion on 1 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 explanation
Consumer complaint received 2018-07-26
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I have come to understand that this company is not licenesed to make loans in the state of Georgia. I am also under the impression that the interest rate that I am being charges is illegal under Georgia usury laws. I wish to repay this company for what was borrowed, plus a reasonable rate of interest but not beyond that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am a member of XXXXXXXX XXXX XXXX  XXXX XXXX. A few weeks ago I noticed an inquiry on my account that I did not authorize. I contacted XXXX and they removed it. Two days ago I got an alert that my credit score had dropped XXXX points and there were several more inquiries on my account that I did not authorize. I froze my account with XXXX, Transunion and XXXX. I called each company and disputed these inquiries. These inquiries are : Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXX Inquiry date XX/XX/XXXXXXXX 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 2019-12-04
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XX/XX/XXXX, Rauch Sturm Re cause no. XXXX XXXX XXXX   XXXX, XXXX  XXXX  They call my job every single day for my wifes old debt of XXXX from XXXX! 

They also have stated they want to take my wages and property. They have demanded I give them an inventory list of my personal property and wages so they can have them. 

They have demanded I give them my bank account information and details about my home. They even want know how many family pets I have, paintings, tools, and kitchen appliances. 

They also have demanded to know my salary, the name of my boss, and when my pay day is. They have made it appear that I will go to jail if I do not give them this information.

Company response to consumer: Closed with explanation