BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-16
Company: EQUIFAX, INC.
State: OH
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 requested the METHOD OF VERIFICATION multiple times with XXXX, Equifax, XXXX concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what XXXX, Equifax, and XXXX  used as proof to verify the bankruptcy. XXXX, Equifax, and XXXX has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that XXXX investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH XXXX, EQUIFAX, AND XXXX. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of XXXX. I will not accept any more pre-made responses from XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: SYNCHRONY FINANCIAL
State: IL
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:
An account for {$2000.00} was open with TJMaxx Master Card and {$1800.00} with Walmart fraudulently and never opened by me there after the accounts were used and paid and used and had returned payments and used paid again and payments return I have reached out to providers several times

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 2022-07-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My social security was used to open fraudulent accounts and as an result its showing I owe money for accounts Ive never owned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: SYNCHRONY FINANCIAL
State: MO
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 received a call from my Sam 's Club credit card provider on X/X/17 about verifying potential fraudulent charges. I logged into my account and noticed that there were indeed fraudulent charges taking place in another state ( Florida ... I live XXXX XXXX XXXX, Missouri ), dating back to mid-XXXX. I called the number on the recording to ask why I had not been notified sooner and to log the charges as fraudulent ( there were approximately 40 transactions totaling around {$1000.00} ). The representative informed they would send out a packet to let me verify that all the charges were accurately recorded and certify that they were fraudulent, then investigate, and if they found out they were fraudulent, my account would be credited. Today ( XXXX/XXXX/XXXX ), I reached back out to the fraud department to let them know that I had not received a packet, and they informed me that the investigation was closed and that they would credit my account in the amount of {$270.00}. I asked how they arrived at that number and expressed my dismay that I had not gotten a chance to verify that all the fraudulent charges had been properly recorded. They told me my only option was to re-file the fraudulent charges ( even though they took away my access to the old statements and charges ) and that the investigator would be encouraged to reach out to me. My cardmember agreement states that I am not responsible for fraudulent charges, and the way this was resolved, I am being held responsible. I will re-file the fraudulent charges, but would like some help and guidance on how to resolve 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 non-monetary relief
Consumer complaint received 2020-08-19
Company: EQUIFAX, INC.
State: HI
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:
I have sent a letter on XX/XX/XXXX to the 3 Credit Bureaus ( XXXX, Equifax, XXXX ) asking to Verify Inaccurate Information that is reporting on my Credit File under all 3 bureaus! 

On ( XX/XX/XXXX ) I received my Dispute Results back from XXXX. 
This is my Report # XXXX for XX/XX/XXXX As I was looking through my Dispute Results, XXXX  verified that I had a Public Record that they have obtained through a third party vendor, XXXX XXXX XXXX XXXX XXXX. They also, listed the contact information which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX GA XXXX, or visit XXXX XXXX XXXX 

I personally contacted XXXX via Phone ( XXXX ) to request my Consumer File, no which the Agent I spoke with could not find a file under my name and social security number! I also submitted on their website an Electronic Request Form here : XXXX XXXX XXXX  I filled out all my personal information as stated on their website! 

Today, XX/XX/XXXX : I received my XXXX XXXX in the mail stating that they were unable to process my request at this time. XXXX had conducted a search of its databases based on the information provide to them, but was unable to locate a file sufficiently matching my data. 

Consumer Number : XXXX Case Number : XXXX I do NOT have a File with XXXX so how is XXXX, XXXX, Equifax verifying PUBLIC RECORD information from XXXX if my information does not exist with XXXX? The 3 bureaus XXXX, XXXX  and Equifax is REPORTING INACCURATE information on my Credit File/Report and I want it REMOVED IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX, XXXX, and Experian continue to report inaccuracies on my report. This is causing me great anguish and preventing me from buying a home. The aforementioned accounts are deliberate attacks on my character. They have no merit whatsoever and don't belong to me. Please help rectify this situation.

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 2021-12-09
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They are attempting to collect a debt for {$510.00} that does not belong to me. I was a victim of identity theft. they have not provided me with a validation of debt or any other document proving this is legitimately my debt. They are still reporting it to the credit bureaus as a collection. it is severely affecting my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: N.A.R., Inc.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Withdrawal money joint account ( Husband and I ) from XXXX XXXX XXXX XXXX {$7000.00} ( lost receipt around this figure ) I believe that happen in XX/XX/2018 at XXXX XXXX XXXX XXXX, UT XXXX. I showed up with my identity photo id that they required.i cant speak XXXX very well, i cant drive, i  was staying brother house with my XXXX kids as guest because i don't have a place to live.all of sudden my brother received a letter from N.A.R. inc.for collection .XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX that i owed money {$1500.00} from XXXX XXXX XXXX XXXX which i never aware of that. 
1. I never take a loan from them 2. they done something mistake they are trying to collects from me.

3. they giving hassle my brother sending those kind of letter and my information which they are not supposed to.

4. i never owe money from them i withdrawal money from our joint account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 contacted Transunion to inform them that I were a victim if their inquiries issues but representative failed to take care of it. 

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

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 2020-02-12
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My XX/XX/XXXX statement for {$4100.00} was due on Sunday, XX/XX/XXXX. My payment posted the next business day, Monday, XX/XX/XXXX. I was charged a late fee of {$25.00} and Interest of {$69.00}. The Credit Card Accountability Responsibility and Disclosure Act of 2009 Section 106 ( 2 ) states, WEEKEND OR HOLIDAY DUE DATES.If the payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor may not treat a payment received on the next business day as late for any purpose ( ftc.gov ). My payment was due on a Sunday, a date which the company can not receive mail, was paid by my bank electronically on the following business day, and therefore, should not be treated as late for any purpose. This is the second time this has happened to me. The first time was in XX/XX/XXXX ; my payment was due on Labor Day - Monday, XX/XX/XXXX and was paid on Tuesday, XX/XX/XXXX. The automated system removed the fees when I called in to Citi Bank. Now I'm being told that was a courtesy credit and Citi will only issue one per year. The credit should not be a courtesy ; it should be applied because the company is not following the Act mentioned above. I believe what the company is doing is illegal and is causing financial harm to others and to 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 explanation
Consumer complaint received 2020-12-16
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have already filed a complaint with them but they don't care. I have been mislead and given false information multiple times over the years with AES. I have now been paying them since 2007 as a consolidated federal student loan as much as i can afford, XXXX in interest at 7.25 %, yet my principal is more than it was when i started. I was told i was on a repayment plan ( by many of their reps ) working towards forgiveness in 25 years. I was also advised to take forbearance when i was laid off, not knowing that would also effect the number of years i had paid in. I was today told i was never on the correct plan for forgiveness. So that is 13 years of payments wasted. I will never pay off my loans before i die. They are deceitful and taking advantage of the public and deliberately trying to extend the life of the loan. Their business practices are simply illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I have these accounts that does not belong to me and i want them to be remove from my credit report asap. 

1. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

2. Identity Theft TOYOTA MTR Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act all the accounts listed below have violated my rights, and it is just not fair. it has almost ruined my family and child. 

15 U.S.C 1681 section 602 A states I have the right to privacy, and 15 U.S.C 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I would only ask for your help. I have no other options. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I just got an email about my credit score significantly dropping, I havent checked my credit score in awhile since I purchased my car a little over a year ago, and before my credit score was at XXXX. As of now it is currently XXXX and that is because 2 credit cards were opened up in my name. One was an XXXX card, one was a chase card. The XXXX  card is currently at XXXX $ charged and the chase bank account is at XXXX XXXX I have not contacted either entity yet because its XXXX oclock at night and theyre closed currently. I am XXXX and am not exactly sure what to do from here or who to contact besides both banks. Im always on time paying towards both my XXXX  XXXX credit cards. I dont own any other credit cards besides those two.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: Experian Information Solutions Inc.
State: DE
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 sent certified letters to each bureau to correct the issue reflecting on my credit report as being late. I have NEVER BEEN LATE. Here are the accounts : XXXX XXXX XXXX # XXXX shows late XX/XX/XXXX. 
XXXX XXXX XXXX # XX/XX/XXXX, XXXX XXXX Shows late. XXXX XXXX XXXX Belongs to my ex-husband and NOT TO ME!

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 2019-07-30
Company: WELLS FARGO & COMPANY
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:
Wells Fargo took an application to modify HELOC from balloon payment to term loan. They indicated process would take ( 6 ) weeks and agreed to ( 4 ) months forbearance in the interim. They took ( 6 ) months to complete, although all doc submittal requests were honored. I began paying on new loan, however they did not inform me that old loan was still pending unpaid status improperly. They reported me late to credit bureaus on old loan without notification to me prior, while I was unwittingly paying them based on new terms of new loan at their request. They have critically impaired my credit with incorrect late reporting which they refuse to remove, stalling my ability to earn income in my profession as a 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 2022-07-10
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XX/XX/2021, XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXXXX/XX/2021, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Saturday evening, XXXX XXXX I attempted to withdrawal {$400.00} from a Wells Fargo ATM using my Wells Fargo debit card. My account was debited for the money but the money was not disbursed from the ATM. I immediately contacted Wells Fargo and put my issue on record and I was provided with a claim number. I have still not received my money. When I called Wells Fargo on Friday to question where my {$400.00} was because I have bills to pay, I was told in no uncertain words that it's not their problem. I can not be told and will not believe that it takes this long for them to count the money in that ATM and reconcile it to know there's {$400.00} too much in that machine.

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 2022-02-07
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent this credit bureau two rounds of dispute letters asking that they fully verify five collection accounts listed on my credit report from them as I believe that those accounts could possibly have illegal collection fees. In those dispute letters I asked that the debt be verified by providing original documents to support the claim. Each time I disputed, they " verified '' the accounts without sending original documents to fully validate the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: EQUIFAX, INC.
State: CA
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:
XXXX is reporting the same account twice to the credit agencies. I only have One open credit card account with XXXX. The account was open XX/XX/2015, balance {$1000.00}. 

XXXX XXXX is not reporting my XXXX XXXX XXXX credit card to all three credit bureaus. Balance is {$500.00} XXXX is not reporting my XXXX XXXX XXXX credit card to the credit bureaus. Balance is {$1500.00} XXXX XXXX XXXX is not reporting my XXXX XXXX Credit card to all credit bureaus. Balance is {$2200.00}

Company response to consumer: Closed with explanation