BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
Good afternoon, My name is XXXX XXXX XXXX and I am writing to request your assistance with a fraudulent charge that occurred in a Rooms to Go store in Texas. <P/>To start, I have never visited Texas and I am currently stationed in Georgia. Below is the information regarding the transaction. The Transaction was for {$340.00} and {$40.00} have accumulated in late fees. <P/><P/>Before the transaction, my account had no balance because I had already paid off my balance in XXXX 2017. Although the transaction occurred in XXXX XXXX 2017, a statement was not executed until XXXX. It is unclear how the transaction was authorized because I have the card and I have my state IDs with me. I have not authorized users on this account, and I have not lost my wallet. <P/><P/>I have contacted the store in XXXX to no avail. I explained to the Sales Rep ( over the phone ) XXXX XXXX XXXX that I am set to deploy at the end of this month and needed more information about the purchase. She explained she needed me to fax information or to visit a local store. <P/>Moreover, I have contacted Synchrony bank and reported the fraudulent transaction. Unfortunately, the investigation will take up to 60 days. I am set to deploy at the end of this month and may not have the ability to track this issue. The charges are still showing on my account including the late fees. <P/>Finally, I have contacted Rooms to Go and explained the matter.
<P/><P/>Thank you in advance for your time. <P/>INFORMATION ABOUT THE TRANSACTION : XXXX ROOMS TO GO XXXX XXXXXXXX XXXX TX ( XXXX XXXX, 2017 ).

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 2017-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Capital One first contacted me in XXXX XXXX about an account I had opened in XXXX in my name. I later added my husband, and another name, to delegate expenses. Every thing smoothly paid bills on time, had built up over XXXX points. I got a letter in XXXX XXXX, saying my card had a co-applicant which they needed a social security number for as a business account. I called and explained to them that the second name was not a person or a business, but a way I had of delegating expenses on my account. I called again in XXXX XXXX, to verify things and told them again, the co-applicant was not a person or a business, so therefore it had no ss number, just to remove the name, and leave it in my name. They said fine and issued me XXXX new cards, XXXX in my name, the other in the non-oersons name, so I thought the problem was solved. I learned today when I tried to use both cards, XXXX XXXX XXXX, XXXX XXXX my account had been shut down. I called and they said I would have to open a new account, that they had sent me letters on XXXX XXXX, and XXXX XXXX ( which I never receiced either ) and they had taken my hard earned points away, and were giving me a cash credit I asked them to send me copies of the so called letters they had sent, and they were not sure they could locate them. They have my email, my phone number, my mailing address, they are linking this to the XXXX XXXX XXXX, which I understand completely has certain requirements for banks. However, the account has been opened since XXXX, and I have never had a late payment, and I suspect they are trying to close old accounts and talk the customer into opening new more expensive accounts. They say I have no recourse although I called in XXXX and XXXX and answered their questions. I mainly hate to lose my XXXX miles which go away when they arbitrarily close the account, and they say I have no recourse short of accepting a cash payment of XXXX after spending XXXX dollars with them over the years. I have never used my points, just letting them accumulate. Paid my account in full at the end of the month, and a small fee of XXXX yearly to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
For the past 2 years, I have been receiving threats via phone call about how they are going to purposely damage my credit. I explained to them that the debt is not mine and is incorrect. They continue to call and send me emails trying to intimidate me and threaten me that will that they will garnish my pay check, sue me and will charge me the debt if they ever got a hand on credit card information. They also called my employer and embarrassed me in front of my work place and were making threatening calls to me at my job. I disputed the collection charge from all 3 credit bureaus but have not find any resolutions for the harassment and incorrect debt collection. The incorrect debt collection amount is for {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: CT
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:
AND ACCORDANCE WITH FAIR CREDIT REPORTING ACT XXXX ACCONNT # 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 ALSON STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: TX
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:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 scheduled a payment for {$200.00}, more than my monthly payment, to lower my balance. Unfortunately, the day in which it needed to be withdrawn from my account, another bill was processed and the {$200.00} payment to CapitalOne was not processed. CapitalOne interpreted this as fraud and terminated my account completely. I attempted to reach out to CapitalOne to resolve this matter, however they declined to reinstate my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase Bank- Mobile App and Telephone automated services providing incorrect account information on account balances and transactions. <P/>OnXX/XX/XXXX, I made two transaction of {$2000.00} and {$500.00} for a deposit on a new car with my debit card. The transaction posted to account immediately and funds were withdrawal. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>XX/XX/XXXX -The two transaction of {$2000.00} and {$500.00} were still posted on my account. <P/>On morning of XX/XX/XXXX, I check my account and two transaction was no longer posted to my account. There were no pending transaction for {$2000.00} or {$500.00}. My account balance went back up to {$2600.00} +/-. I called the car dealership and they stated they would contact their bank. For safety purposes, I transferred the money XX/XX/XXXX to my other account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked my account again and those two transaction were not posted to my account. <P/>XX/XX/XXXX, I checked account it is overdrawn! So I went ahead and transferred the money to cover the overdraft. The two transactions that disappeared finally posted 4 business days after the transaction date. <P/>I called the Chase customer service and went through the automated telephone banking. Their automated telephone service stated my account balance was $ 1160.00+/- when on their app stated it had $ -2200.00+/-. I finally got to a customer service representative and I explained to her what had happened. She continue to apologize for the confusion as if I was insane!! <P/>I asked her if those two transactions was posted to my account? Why was I still able to transfer {$2000.00} on XX/XX/XXXX from my check account if the money was not available? Chase online banking will not allow you to transfer funds between two account and overdraw your account. Also how was I able to withdrawal {$60.00} from the ATM on XX/XX/XXXX if my account was negative? Why would chase approve multiple debit transaction when my account is only able to go {$400.00} in the negative before transaction are decline? My account was overdrawn by {$2200.00}! It does n't add up. Their customer service representative would not help me or reverse the overdraft fees! She kept on saying I apologize for the confusion. <P/>Chase Bank is Frauding their customer!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
please note that I received notice in my email that I will be getting free monitoring services of my credit bureau report with Equifax for 1 Year due to the data breach, thereafter I received a link to sign up, which stated to enter my last four numbers of my social security card, when I entered it stated that that a four digit code will be text to me, which never came in. I called the Equifax and was lead to different phone numbers and no one could help me. Why are they sending information to get free monitoring when in fact it does not work. I do n't understand that people from other countries are accessing our personal information that work for Equifax, which to me does not make any sense to have our personal information lead by an individual who lives in another country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I owed money to a credit card company called Barclays Bank in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE BARCLAYS BANK AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.

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 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Transunion 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 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 2021-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XX/XX/2020 ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: MRS BPO, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on MRS BPO, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 non-monetary relief
Consumer complaint received 2022-04-29
Company: Atlanticus Services Corporation
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: Information belongs to someone else

Complaint:
This is not my debt. I've tried to resolve this with the company without success.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: LA
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:
Upon reviewing my credit report a few months ago i seen multiple accounts listed under MEDICAL. Under hippa my medical information is protected. Why does a third party have my medical information? Where 's the medical release form? This is humiliating and embarrassing that a third party collection agency can have access to XXXX medical records. I know for a fact i did not give ANY provider permission to share my medical information. The reporting agency needs to remove ALL accounts on my credit report. In addition i will be filing lawsuits against these creditors for violating my medical rights. I have ALREADY disputed these accounts the EXACT same way and they 've come back verified. How? Did you recieve a medical release form?

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 2020-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 recently tried to pull my credit information XXXX XXXX and it stated that another names an email was connected to my identity when that is fraud because I am the true person. I was unable to pull my credit report from TransUnion XXXX  an XXXX  to check my personal credit because someone is using my credit as me. I am requesting that I have access to my credit reports and to XXXX XXXX, and to have access to use my own report which is law. And if there are any accounts open active and present that they should be closed because they are fraud. Any accounts on there need to be investigated and deleted from my credit record within 30 days I am disputing that this must be removed from my credit report if anything is reporting items and I need all debts to be validated through the Constitutional collection activity I have never used my credit and I have put myself in the system of opt-in and opt-out and I've also provided below proof of Fraud and a in a police 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 explanation
Consumer complaint received 2017-07-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
in 2010 s omeone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FC RA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has to be  remove

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 2019-08-08
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2019 I sent a valid dispute to Experian due to 22 items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts. A closed or collection account can not also be past due, that's a violation of my rights. I asked for validation under FDCPA611. On XX/XX/2019 I received a response stating the items were updated or remain, along with a postcard explaining the FCRA and their role directly violating FDCPA section 808 ( 7 ) which states communicating with a consumer by postcard is a violation. 

On XX/XX/2019 I mailed a 2nd request to Experian asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer FDCPA section 809 ( b ) cease collection and communication of debt until verification is mailed. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days. 

Experian has continued to violate my rights. First by ignoring my 3 valid requests of validation from which Im entitled to by law within 30days. Second, they continue to violate my rights with each request Ive sent, Experian updated the accounts in question to a paid late status on 20+ accounts going back years which are reporting as closed. Mind you none of these accounts have been validated but Experian updates the late status on closed accounts which is a direct FDRCA violation, and it seems as if with every request I send the further they'll go back with the late status on all these closed accounts. Furthermore, they have decided to send communication to me via post card which once again is a FDCPA violation. 

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under the allotted 30days based on law FCRA611. 

Since Experian did not comply with any of my 3 requests within the time frame allowed they need to delete the disputed accounts. Please have them comply with the law and my rights by having these disputed accounts removed.

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