BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-25
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Received 3 emails on Monday, XX/XX/2019, between XXXX to XXXX PST from Synchrony Bank : 1. Action required on your application 2. A trial deposit has been successfully made 3. A trial deposit has been successfully made to your Amazon Creditbuilder. 

I never applied for any Amazon credit cards. Contacted Amazon and they told me to contact Synchrony Bank. Synchrony Bank is impossible to contact as either none of their phone numbers work or their automated system won't let you talk to a human. 

This is fraud and I want it dealt with, however, this bank appears to be less than standard since even trying to directly contact their fraud department runs me into the same issue where I can not get a number to work or they throw me off the automated line.

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 2022-07-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I previously sent a letter disputing an account on my credit reporting that is reporting a late payment, but I was never late. You are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. The account is XXXX XXXX XXXX. It's been almost XXXX months and I have yet to receive anything proving that this late payment is accurate. I am asking for this account to be updated to paid as agreed, never late Y

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 2022-01-19
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:
Equifax is reporting this collection on my credit report with the name of the original creditor and who the account has been sold to. They have re-aged the date of last activity which is a FCRA 605c running of the period violation and they have failed to properly validate that this account belongs to me. I have no knowledge of this account and it is reporting inaccurate. there is no address or phone number listed for the company so there is no way an accurate investigation occurred

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 2023-03-31
Company: Upgrade, Inc.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I file a dispute because i did not received any funds from the atm. After that they said that they did and investigation and the said no error has found. Also the don't want to provide me with the proof that they use to investigate. The investigation only took 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: MORGAN STANLEY & CO. LLC
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
eTrade froze my savings account ( XXXX ) because of a " suspicious '' transaction where I electronically transferred money into the eTrade account on XX/XX/22 and then transferred the same amount of money out of eTrade on XX/XX/22. They were not able to say what was actually " suspicious '' and they were not able to tell me their rules for moving money into and out of their savings account. I thought that a savings account by definition is a liquid account where you put money in and take money out. The eTrade rep was XXXX XXXX. My account is completely frozen, I can not even move the money into my eTrade brokerage account. Secondarily, I have to call the to resolve this, but was on hold for over XXXX minutes and never reached an agent. They did have someone call me several days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is the fourth complaint I have made about this exact same matter. Please be more useful this time and do n't stop investigating just because Wells Fargo tells you to. For at least 2 years Wells Fargo has an open checking account in my name ending in XXXX. Wells Fargo opened this account without my permission or knowledge. This account has received thousands of dollars in deposits from a person named XXXX XXXX. Wells Fargo refuses to close the account and refuses to allow me access to the funds deposited. I have visited a branch and told them to remove my email and they put me on the line with someone who tells me that they do n't have my email address and therefore ca n't be sending me emails. They are lying. THE EMAILS ARE INDEED LEGITIMATELY FROM WELLS FARGO. Every email links directly to Wells Fargo 's legitimate website. The payments to the fraudulent account used to come from Wells Fargo XXXX. After XXXX was shut down the payments began coming in from XXXX. I have begged, pleaded and made multiple complaints with Consumer Financial Protection Bureau and Wells Fargo still refuses to close this account. Clearly, they do not respect or fear you. Please resolve this situation by either ( 1 ) forcing them to acknowledge the existence of this account and forcing them to close it, or ( 2 ) forcing them to give me all the funds that were deposited into this account since it 's opening AND then permanently close the account. See the attached emails for the latest batch of notifications I am getting for payments deposited to the fraudulent account. Be advised that over the past 2 years, I have complained about this same account to CFPB and made other emails available to you. The emails in this complaint are just the latest and not the entirety. This morning the account had 2 transactions for {$80.00} each deposited.

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 2022-07-05
Company: Experian Information Solutions Inc.
State: MN
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX and EXPERIAN, 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 XXXX XXXX, US DEPT OF EDXXXX. EXPERIAN SHARED XXXX XXXX  AND US DEPT OF ED XXXX WITHOUT MY CONSENT. I DID NOT GIVE EXPERIAN WRITTEN INSTRUCTIONS TO FURNISH ENHANCED RECOVERY AND US DEPT OF ED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: EQUIFAX, INC.
State: SC
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:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03
Company: Kirk Law Group PLLC dba Kirk Law
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was renting an apartment, and I missed the last payment to complete the 12 year contract. This was in XXXX XXXX, and I now live in XXXX, XXXX. I received this letter from a debt collector, which is triple my final rent payment, plus attorneys fees. This debt is from XX/XX/2011. Also wanted to mention, I was harassed by the management, due to my upstairs neighbor who called the police on me every night saying I was being loud in my home. Most times they showed up I was not even there. This lady didnt like young people living under her, and was trying to get me kicked out.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 viewed my credit report and I have no knowledge of the debt that is being reported. I need these accounts removed today. I have attached a cover letter, id, social, and ftc report. Please refer to the attachments.

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 2022-07-05
Company: DISCOVER BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Evidently banks can now close an account after only a brief period of inactivity and hide your money. I received a letter [ Copy attached ] saying My account at DISCOVER CARD BANK containing {$25000.00} + dollars was closed. I never authorized such, When I called asking for my money. .they claimed they mailed me a check which, they claim was deposited.. I NEVER RECEIVED SUCH. A CHECK. 
When I asked to see a copy of said check they claimed they couldn't find it. 
When I asked where it was deposited, and by whom,, '' THEY DON'T KNOW ..... 
I'm a widow of a veteran PLEASE HELP ME GET MY MONEY BACK..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
Company: Mr. Cooper Group Inc.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mr. Cooper has predatory re-financing practices. I had a discussion with them about re-financing our mortgage last week, and since then, I have been barraged with phone calls, emails, and texts. This morning alone I received 14 phone calls. Their most recent text message said, " We'd love to help you stop all of the phone calls and find you the best mortgage option. '' This seems like a threat. 

Please log my complaint against Mr. Cooper. 

XXXX XXXX XXXX, Oregon

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with product or service terms changing

Complaint:
My transunion score dropped XXXX points, I have done nothing but pay down my debt, make extra payments on my debt, I use a credit card and pay it off immediately, nothing has happened to lower my score from excellent to bad. Other than maybe credit bureaus getting kick back from banks to lower credit scores so they can charge higher interest..what is going on? How can you get away with this? 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 2017-09-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The company XXXX XXXX XXXX is a company I 'm not familiar with. They illegally put wrong information on my credit report. I filed 100 etc reports and will continue. Next I will be filing with the BBB. They refused CFPB direct contact stating they are a third party and refused to work with them. I feel with the breach my information was compromised. This company is fraud. I do n't owe any outstanding debt to anyone.

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 2021-12-03
Company: EQUIFAX, INC.
State: MT
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Equifax XXXX is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with these files & need to be deleted due to inaccurate info. Please investigate and remove these from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: CITIBANK, N.A.
State: KY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a pool table from XXXX 's on XX/XX/XXXX with their Brand Source Credit Card under a 0 % interest promotion. I had my balance down to {$450.00} when I received a statement showing a current balance of XXXX. I called customer service to inquire about the balance and was told because I did not pay it off within the promotion I am required to pay the back interest beginning from XX/XX/XXXX. This is very upsetting because none of this was communicated when I made the purchase. I understand paying the interest going forward on the remaining balance, but due to the lack of communication on their end, my balance is now tripled. I have never missed or been late on a payment and this is truly bad business on their end. The previous interest rate needs to be rescinded, and the interest needs to begin with the balance of that was due before the {$720.00} in interest was added to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-06
Company: Diversified Consultants, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Diversified Consultant is recently reporting a collection on my credit report for XXXX and it is not mine. I currently have XXXX! When I call XXXX  they say I do n't owe any extra. When I call the collection company they say there is no balance! I never got a notice from them, only them reporting to my credit one day. How can they just report to my credit for something I do n't owe! Then they do n't do anything to help you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05
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: Their investigation did not fix an error on your report

Complaint:
I have been contacting Equifax, XXXX, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the XXXX XXXX XXXX that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but Equifax in particular are not cooperating and is insisting that they have not received any of my complaints or documentation. According to the FCRA and FDCPA several of my rights have been violated. 1. section XXXX XXXX XXXX XXXX and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. The creditors in question are : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: EQUIFAX, INC.
State: AZ
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:
Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Late and I never missed a payment. Please provide me with enough proof as evidence that I have been late on this account. If you don't have enough evidence, kindly update the late remarks immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Do not know where this information is coming from I have no debts with Florida for no traffic violations. Sorry this is a scam to get money. 

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 2022-01-19
Company: Experian Information Solutions Inc.
State: PA
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 writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately. 


By the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.

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