BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-27
Company: SYNCHRONY FINANCIAL
State: FL
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX 
ACCOUNT NAME : SYNCB/CARE CREDIT, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX  XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX  AND XXXX. 
ACCOUNT NAME : MEDICAL, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX ..., REPORTING ON : XXXX XXXX  AND 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 2020-11-10
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
Experian has to be the most adverse credit reporting agency of the three. Experian does not work for the consumer, but the creditor and it has been proven on many occasions. I submitted 3 dispute letters to Experian via US certified mail. The letters were delivered on XX/XX/2020 with delivery confirmation. I have not heard from Experian to date in regards to my disputes. 

I have reached out to Experian several times in attempt to resolve this issue, however, I have received no help. 

I am writing as I need immediate assistance with resolving this matter.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : l15 U.S.C 1681section 602 A. States that I have the right to privacy. 15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 




Listed below Inquires not done by me that needs to be taken off of my credit report : XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have repeatedly told XXXX XXXX XXXX ( the company ) not to contact me on my cell phone as this number was not provided to either the Debt Collector or the original debtor of any of my accounts. I just recently got this number in XXXX, 2020 and the calls started almost immediately with no interaction from myself with the debt collector or the original debtor. The original debts are over 3 years old. I have notified the company that they have illegally obtained my cell phone number, as well as that it is inconvenient for them to contact me there which puts them in violation of the FDCPA. XXXX XXXX XXXX calls me several times a day, they never leave a voicemail when I do not answer and they continue to violate the FDCPA by inconveniencing me at work which can cause me to lose my employment. My last interaction with them was today, XX/XX/2020. I have been telling them since XXXX, 2020 to stop calling this number, yet they continue to call it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-16
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
transaction id # XXXX {$110.00} XXXX XXXX sphero toy ) was apart of a larger order totaling {$310.00} payment method chosen was " pay after delivery ''. a few days later {$110.00} was debited from my XXXX checking account. this is the XXXX time paypal changed the payment method i choose after the purchase was completed and money came out of my account without notice, warning, or option to choose another payment method. I INSIST PAYPAL REIMBURSES ME {$110.00}. PAYPAL is in error not me. Paypal has no right to take money out of my account without my consent and i will take this further if neccessary.- ftc complaint filed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Collection Management Holdings, LLC
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
I am pleading with you to remove this from my credit report as it is not mine and is entirely fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26
Company: EQUIFAX, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: World Acceptance Corporation
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: Their investigation did not fix an error on your report

Complaint:
Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802. 

Per the Privacy Act of 1974 as a federally protected consumer, it is my right to privacy.

Per the Security Exchange Act of 1934, the certificate of indebtedness once deposit any credit balance on the account over {$1.00} should be credited to I the consumer. As the consumer in this credit transaction, I can not be late on a balance due to me the federally protected consumer. I have not received my check. 

Stating the consumer owes a debt that the financial institution agreed to discharge is a violation of oath by the trustee and their fiduciary duties. 

Per the SEC filings submitted by World Finance/ World Corporation they agreed to these duties. Under the Emergency Bank Act of 1933 there is no legal tender since there is no gold in circulation. 

The only legal/lawful tender are the US postal stamp per the XXXX XXXX. To demand a particular form of payment from is a violation of my federally protected rights since the XXXX pledged to be responsible for XXXX XXXX XXXX XXXX 

XXXX reported this account late multiple times 30 days late. This is a factual accounting as it is on their report furnished. As it is known one can not be 30 days late for multiple months in a row. This means XXXX knowingly furnished deceptive reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
They keep saying I closed the account and they wont send me my replacement card and having hard time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: JPMORGAN CHASE & CO.
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I used my Chase IHG credit card on a recent trip to for two hotels to use as secure deposit. A few days after the trip, I noticed a charge of {$240.00} appeared on my card from an unrecognized merchant " XXXX XXXX XXXX XXXX XXXX ''. At first I thought it might be a DBA name of one of the hotels. So I called both hotels and they confirmed that charges from them would not appear as that name. 

I then contacted Chase to report the charge as an unauthorized charge, the charge was removed from my account, and I was issued a new card. However, about two weeks afterward, I received a call from Chase fraud department. The agent asked me a few questions ( why do you think this is an unauthorized charge ... etc ), and I explained the details again. He told me that they will continue to investigate, and that the charge will be rebilled on my account, but I won't have to pay it while they investigate. 

I received a letter from Chase fraud department a few days later. The letter states that because the charge is a " merchant dispute '', I'm responsible for the charge. 

I have tried to contact the fraud department to understand why is this a merchant dispute ( since I have no relation with any merchant called " XXXX XXXX XXXX XXXX XXXX '' ) using the phone number listed on the letter, as well as an email address provided by a Chase agent. However, I have yet received a response from Chase fraud department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: WELLS FARGO & COMPANY
State: CA
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:
I filed for bankruptcy on XX/XX/18, I was told not to pay Wells Fargo auto loan during the bankruptcy process until we were notified if the reaffirmation would be accepted with Wells Fargo. I never received any documentation or information from Wells Fargo bankruptcy dept nor did my attorney so four months passed & on XXXX of 2018 my bankruptcy was discharged. I Called Wells Fargo to get information as what to do with my auto loan weather to surrender the vehicle or continue the payments beginning XXXX of 2018, I was informed I could keep the vehicle & that my payments would remain the same so I began making my payments on XX/XX/2018 as detailed on the transaction history page 1/1. I made my payments at the branch monthly through XX/XX/2018. When the month of XX/XX/2018 began my vehicle was repossessed I couldnt understand why I had made my payments every month after my bankruptcy discharge date I was at a loss, when I inquired I was told that I owed for the months of XXXX thru XXXX of 2018 I explained that I was informed by my attorney & there bankruptcy dept that no payments are due during the bankruptcy process until the discharge is complete and a reaffirmation has been accepted by both parties. Nonetheless my credit report shows no information during the months of XXXX, XXXX, XXXX, XX/XX/2018 because I was in bankruptcy & my credit file shows no payments made for XXXX thru XX/XX/2018 which is false the transaction history shows my payments received

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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-06-15
Company: JDJ Investments, INC.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX I went to see XXXX XXXX for annual wellness checkup. After my visit XXXX  months later! recieved a bill for {$40.00}. I contacted the Dr office questioned them about the bill. Stating that it was for annual check up. I have XXXX XXXX XXXX and XXXX XXXX insurance. I should not have a copay. Especially for annual check up that is covered at XXXX XXXX. I've seen this XXXX for many years. Often for annual check up. So after another 3 months I received a collection bill from collection agency. I called that agency stating that I have dual insurance and it was supposed to be wellness checkup. The collection agency said they will contacting XXXX XXXX office and will call me if there is issues. Haven't heard back from the collection agency since. So now I schedule for my annual wellness, when I showed up for my appointment, I was told I can't see XXXX XXXX because I didn't pay my bill. As many times I disputed this bill, they told me it's my responsibility to pay for it. 
I told the office manager that if I truly owed it then I would have paid but it's wrong to bill me for {$40.00} when I have dual insurance and covered XXXX XXXX for wellness checkup. 
So I called the XXXX XXXX back today XX/XX/XXXX, now they told me that they did not file as a wellness check up but as a new patient. I was not inform about being a new patient especially I has been seeing the XXXX office for many years. This is unethical and insurance fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX XXXX   {$730.00} ( shown as {$740.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX XXXXXXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I XXXX XXXX bought some furniture at XXXX furniture store in XXXX XXXXXXXX I applied for credit and was approved for a {$6500.00} line of credit I bought the furniture on that credit line .... Then I paid my account off within XXXX days, since that purchase I had applied for a care credit card and been approved for that as well it was a {$9000.00} credit card limit of which I put XXXX or {$8000.00} on at my plastic surgeons office and paid that off again within XXXX or XXXX days. I then applied at XXXX 's jewelry store and they gave me a {$2700.00} credit limit of which I have not yet used... All of the sudden XXXX day I was contacted by synchrony Bank via email and told that my credit limit at XXXX was being reduced because I had not used it in XXXX or XXXX months. I then called up synchrony Bank and said if you're not going to keep my credit limit at {$6000.00} or XXXX there's nothing I can really buy at XXXX XXXX for {$250.00} so they might as well just close that account it would do me no good, to which I was told if you make us close this account you will never be allowed to get a XXXX XXXX card again despite having credit scores in the high XXXX and being on my job for more than XXXX years and making over {$100000.00} a year... To which I replied that would be okay that they should still go ahead and close my XXXX XXXX credit card. They closed the XXXX credit card ... Little did I know, an unbeknownst to me they also forced closed my CareCredit account which they had just approved XXXX days earlier for an {$11000.00} credit limit then they also force closed my XXXX 's jewelry account which I had yet to put anything on... All of these actions were taken to spite me for closing my XXXX credit card acct. I believe, this is not only unfair but an unfair credit practice to force close accounts that you were not asked to close that were in good standing with XXXX balances and had been paid off just recently. After calling synchrony Bank several times and the phone numbers on the back of my Care credit Card and my reads jewelry card I was told there was nothing they could do that the account had been forced by synchrony Bank and that I should contact them directly I tried repeatedly to reach them to resolve this issue but no one would help me. I pray that someone from CFPB CAN HOLD THESE PEOPLE ACCOUNTABLE FOR THEIR XXXX XXXX LIKE BEHAVIOR, I NEVER ASKED THEM TO CLOSE MY CARECREDIT ACCOUNT NOR DID I ASK THEM TO CLOSE MY XXXX 'S JEWELERS ACCOUNT. This behavior is a very unfair business practice.

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 2022-05-19
Company: EQUIFAX, INC.
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:
Equifax has reported unknown and unauthorized enquirers on my report those are from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: GUIDANCE RESIDENTIAL, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage through Guidance residential. 
Suddenly I started seeing extra ( {$18.00} ) on my monthly bills named as LLC fees. 
This was not disclosed on the closing and extra after all other payments.

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 2022-12-05
Company: EQUIFAX, INC.
State: MS
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 never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-09
Company: Experian Information Solutions Inc.
State: MI
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:
They're reporting inaccurate information. When i'm asked verification questions none it matches up to what they're reporting so i fail. I've tried contacting them but all they offer is automated service. You can not talk to a human. They have me associated with someone else, my loan date is wrong, people and addresses listed that i'm not aware of. This causes me to fail the verification question process with financial institutions. All 3 bureaus

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