BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX XXXX I received a letter from XXXX located in XXXX Nevada their phone number is XXXX they have a reference account number of XXXX XXXX XXXX XXXX I contacted them and representative explain to me the debt is from 1995 I explained to her that I never had a credit card with Walmart she then hung up the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was a victim of identity theft and noticed a collection from SYNCB/WALMART I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SYNCB/WALMART in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. 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 2022-10-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I questioned the validity of Experians investigation by demanding proof of the investigation, proof of the late payments and proof of any person that received any update about previous dispute. I believe every time I have submitted a dispute on this account Experian has violated credit reporting rules. Please see attached letter.

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 2016-12-12
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
Fraud occurred on my credit card, so I filed a report and closed my account. I called the credit card company and the matter was supposedly resolved. However, I continue to receive monthly bills. At first, the charges were for interest, which I paid. XXXX statement the balance for these fees was minimal. The XXXX statement the balance shot up to {$150.00} and there is no indication on the statement about where/how these charges arise. I have been in contact with this company for the past 6 months trying to resolve this issue. They continue to charge me for nothing. I should have zero balance on a closed credit account whose fees/interest had already been paid off.

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 2022-10-20
Company: EQUIFAX, INC.
State: TX
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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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. 

Please delete this account from my credit report. 

1. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX # XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I 'm trying to get a refinance on my car loan. I 've had it for 2 years, and they wo n't lower the payment. They keep sending me threatening letters and wo n't help me. I need my vehicle and have been struggling with the high payment. I need to get in lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I just checked my personal credit report, just discovered an unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/14 on EXPERIAN. I did not authorized anyone employed by this company or at this company or EXPERIAN to make any inquiry or inquiries and view or show my credit report to anyone, person, company, entity, business, co, corp or similar. EXPERIAN and XXXX have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof Bearing my Signature or Request in Writing that I authorized them to view my credit report, then I am demanding that EXPERIAN remove the unauthorized and fraudulent hard credit inquiry immediately from my EXPERIAN credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-21
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Several paid collections came off of my report, then after I bought my house, those mysteriously came back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: PLANET HOME LENDING, LLC
State: MO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Planet Home Lending bought our second mortgage in early XXXX. We haven't made a payment to this mortgage since XXXX when the original lender XXXX was acquired by XXXX XXXX XXXX. XXXX XXXX XXXX forgave thousands of second mortgages ( apparently not ours ) and received government bail out money. 
Now, 11 years later, Planet home lending is calling our note due after buying the debt for XXXX on the dollar. I have tried and tried to communicate with them and they will not put anything in writing. I asked how much they paid for the debt and if they would accept a settlement. 
Instead of replying, they sent an acceleration letter and added 10 years of back payment. 
Our mortgage balance is approximately {$45000.00} and they are demanding approximately {$80000.00}. 

We had to file bankruptcy due to their predatory practice and also due to Covid. Please step in and help us. I am a XXXX veteran with a XXXX child ... .Planet Home Lending is simply taking advantage of us. 

I would like to know how much they purchased the debt for. I would like to settle for {$6000.00}. 

Thank you, XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-04-18
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HELLO MY NAME IS XXXX XXXX MY SOCIAL SECURITY IS XXXX, I NEED URGENT HELP OR PHONE NUMBER IS XXXX. THE DAY XX/XX/2020 I WENT TO A MACYS STORE AND I WAS OFFERED TO OPEN A CREDIT CARD WHICH I REGRET 100 PERCENT, I AM A VERY HONEST PERSON WHO WORKED VERY HARD MY CREDIT BECAUSE I KNOW HOW IMPORTANT IT IS, THE REPRESENTATIVE TOLD HIM I WILL BUY SOMETHING BUT I WILL PAY IT IMMEDIATELY FOR THE REASON THAT I DID NOT WANT DEBTS AND IN MY RECORD CAN SEE THAT MAKE THE PURCHASE WITH THE CREDIT CARD AND THE PAGE INSTANT, SHE TOLD ME YOU WILL RECEIVE YOUR CARD BY MAIL, THAT CARD NEVER ARRIVED ME, SOMEONE OPENED THE BOX MAIL AND ACTIVE MY CARD MAKING PURCHASES, IN THE STAMENT OF THE CARD YOU CAN SEE PURCHASES UP ONLINE WITH ANOTHER ADDRESS THAT IS NOT THE My ADDRESS, YOU ARE CHARGING ME SOMETHING THAT I DID NOT, TALK TO THE LANDORD OF MY APARTMENT AND I ENSINE PHOTOS OF TWO INDIVIDUALS WHO FOR THAT DATE STOLEN ALL MAILS AND LETTERS YOU CAN SEE MY CREDIT RECORD PAYING ON TIME I'M NOT GOING TO LET YOU GUYS EAT ME SOMETHING THAT I DON'T USE, NOR GIVE ME MY CREDIT I'LL SEND YOU THE PHOTOS OF THE PEOPLE WHO STOLE THE MAILS, AND THIS IS GOING TO HAPPEN TO COSTUMER FAIR BECAUSE IT'S NOT FAIR THAT YOU DON'T ASK FOR ID IN A MACYS STORE TO BE SHOPPING WENT OVER TO LIMITE THERE YOU CAN TELL IT WAS A Robbery

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 2022-10-12
Company: Genesys National Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
The debt collector called my coworkers, whom numbers was provided due to a referral documented I fill out at the gym. These numbers were referrals so they would also assist to the gym, it was not for them to collect a debt and they gave personal information to my coworkers about my debt. I told them that they were harassing my coworkers.told them not to call nor text them again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TriStar Finance, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted the below company/agent : XXXX XXXX XXXX XXXX XXXX Originator Office : XXXX Email : XXXX Fax : XXXX NMLS : XXXX | XXXX Licensing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX XXXX XXXX XXXX called me to help me find a good mortgage deal for my refinance with cash-out. 

He had me give him all my private financial records and after that that he asked me for a credit card to charge me for a credit report. He did not disclose upfront that it will cost me to have him check my credit. 

But that was not the main problem I had with him, from XX/XX/2022 to XXXX, he refused to provide me with a " Loan Estimate '' unless I give him the the Loan Estimates I received from his competitors who I was working with. 

He tricked me to give him my SSN and he registered a hard inquiry on my credit report for no reason what so offer. He should not have taken all my private financial information and then ask my for my credit card without being upfront. And I didn't need my credit pulled for no reason and without providing me with any help at all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25
Company: JPMORGAN CHASE & CO.
State: RI
Product: Credit card
Issue: Other

Complaint:
I have been a Chase Credit Card customer for XXXX and the former XXXX airlines miles club for over 10-years. On XXXX XXXX, XXXX my credit card valid through XXXX XXXX because I pay a yearly fee ceased to be accepted by at point of sale companies. I called Chase and they stated that they stopped accepting the credit card because I had not used a chip enabled card since XXXX XXXX. I stated that I had not received it and through exchange with the Chase, the chip enabled credit card was never in use. Chase stated that they have to send me a new chip enabled credit card with different account numbers. I stated to chip enable a credit card with my current account as I have all my utilities and banking transactions based on this card and to reactivate my old card ( re issue ) as the previous chip card was not used.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2022-10-20
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
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 Balance XXXX XXXX ; XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: Total Card, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
total visa refuses to close my account at my request. I reported the card stolen XX/XX/2022. Fraudulent charges were made on my card in the amount XXXX a dispute was made and an investigation. total visa credited my account XXXX and indicated they would mail a check after I requested they close the account after their inability to show proof of me making purchases by providing copies of my signature on these transactions and sending me a replacement card after two separate requests. Total visa card has refused to close my account. refused to mail me the refund they indicated they would and that is an incorrect amount. Total visa has continued to charge me a statement fee/monthly fee in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was contacted by XXXX at Clark County Collections about a debt for XXXX, and i immediately notified her that i was disputing the debt. They have never sent me any verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Received a call from XXXX about suspect acct inquiry. They cancelled card, and issued a new XXXX. On XXXX/XXXX/2015, I made a " freecreditreport '' request with Experian. Provided identifiers, they said that I had already requested a recent credit report ( had n't for well over a year ), that I would be charged {$1.00}. Because XXXX call, I agreed for the {$1.00} charge, even though I know I had not requested a free report recently. I got the report the same day/time. While reconciling our XXXX XXXX account on XXXX/XXXX/2015, I noticed a charge on XXXX/XXXX/2015 for {$21.00} from Experian Creditreport. I contacted a live person with Experian, with the assistance of a XXXX XXXX representative. She said that I signed up for credit monitoring, and I did n't cancel before the end of the " grace period ''. I informed her that I only wanted the free credit report, and reluctantly agreed to the {$1.00} charge even though I had not requested a free credit report recently. She again told me that I had not " cancelled '' within the grace period, but she would " cancel '' my account. She refused to provide a refund of the {$21.00}. First, I have not requested a free credit report in well over a year, I should have been entitled to a free report. Second, I did not knowingly sign up for " credit monitoring ''. I am generally pretty conscientious of " reading the fine print ''. If that was somehow buried in the web page that is very deceptive to the average consumer. {$21.00} is not going to break me. How many times has Experian conned consumers out of {$21.00}, or worse if consumers do n't reconcile their credit card accounts every month. Require Experian and other credit bureaus to accurately represent prior free credit report requests, and if they are equally abusive to the public to clearly state what services they provide and the fees to be charged for those services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Experian continues to report inaccurate information on my credit report. I have stated numerous of times via phone and mail that all phone numbers and addresses listed are removed. They continue to furnish this incorrect information without notifying me. 

I know under FCRA it is their duty to report accurate information and Experian continuously refuses to do so.

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 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Reporting old or unwanted items on 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 explanation