BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i  within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07
Company: JPMORGAN CHASE & CO.
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I financed an auto loan through my local XXXX dealer. I had automatic payments taken from my checking account each month ; the checks were taken by " JP Morgan Chase '' for the auto loan. XX/XX/2017 I received a letter from XXXX XXXX XXXX stating that I should make the final payment on the loan by check. I did send a check to XXXX XXXX XXXX for that final payment in the amount of {$540.00}. However, 5 days after that final payment cleared my checking account, JP Morgan Chase withdrew {$540.00} from my checking account. Therefore I overpaid my auto loan by {$540.00}. On XX/XX/2017 I called Chase Auto Finance to ask them to refund my {$540.00} overpayment. I was told to submit documentation in support of my overpayment claim, which I did on that same day-XX/XX/2017. I have enclosed the XXXX page document " package '' I send to Chase. Since I sent in the documentation I contacted Chase several times and been repeatedly " jerked around ''. Chase 's comments have been that they are " researching my claim ''. In the meantime I contacted my bank to put a stop payment of the Chase automatic withdrawals. That stop payment will cost me {$33.00}. Therefore I would appreciate your checking into this matter for me. Me phone number, e-mail, etc. are included on the enclosed document package. I just want my {$540.00} overpayment refunded to me. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
I acquired {$4300.00} worth of furniture from Value City back on XXXX XXXX. I did not pay cash because I was offered a no interest promotion for the next 24 months until I pay all the balance off. Contrary to my understanding the promotion was with a third party and with a credit card with a 29 % interest from Synchrony Bank, which I got to know just when I received my first bill on XXXX XXXX. 

Anticipating all the hassle that a furniture return was going to cause, and because I liked what I got, I kept it, and started making my payments with the intention of paying the balance off during the next 24 months. 
Not too long after that, I agreed to set an automatic monthly payment from my bank to Synchrony bank and to receive paperless bills, so the payments were taken from my bank account every month. Everything seem to work well until a week ago, on XXXX when I noticed that my debt was still close to the amount where I started a year before. I called the bank and a representative informed me that I was supposed to pay the balance off on XXXX/XXXX/XXXX and because I did not, the interest was calculated since XXXX at 29 % and it is now : {$4100.00} I was surprised and I explained what the agreement was for 24 months but she denied it. I asked to be transferred with her supervisor and she transferred me with XXXX with ID. XXXX who told me that " she gets multiple calls like mine and she can not change anything '' she added " I can not help if you were not proactive with your account '' As my last resource I offered to pay, at that moment, all the remaining balance until XXXX/XXXX/XXXX, which based in my calculations was : {$2400.00} but she did not want to accept it. I asked her what else I could do to avoid paying almost {$2000.00} in interest, which I consider is not an honest transaction, and she did not offer any other option but to pay all what they are pretending. 
I was left hopeless and afraid of the consequences, since I have an excellent credit and I do not want to put my finances in jeopardy for something I consider a dishonest practice. I could even have agreed to pay the interest that had been charge for XXXX, XXXX and XXXX XXXXplus my balance until XXXX/XXXX/XXXX but no more than that. 
I found your web page and what you do, over the internet, and I regained some confidence. I hope you can help me to arrive to an honest agreement with Synchrony Bank. 
Sincerely ; 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 monetary relief
Consumer complaint received 2015-04-30
Company: PHOENIX EQUITY PARTNERS LLC
State: AK
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A man ( using XXXX different names ) left messages on both my work and cell phone stating that he was a private courier and that he would be delivering sealed documents to me at my work address. The names used were : XXXX XXXX and XXXX XXXX. The number was a private number, but the number he gave me to resolve the matter was XXXX. This number belongs to Phoenix Equity Partners located in Georgia.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-11-22
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a PayPal account and was recently advised that my acct has been permanently suspended. I have ~ {$400.00} in the acct, but they are advising that I can not obtain these funds for 180 days! Seems unreasonable that I should have to wait for 6 months to recover MY funds. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-30
Company: WELLS FARGO & COMPANY
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect item on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  XXXX and trans union is incorrectly reporting items to my report and they are not responding to my disputes I need these items removed from 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
Consumer complaint received 2016-03-28
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Despite several attempts to clarify or correct several medical collection accounts, Experian continues to verify without producing anything but a form letter in response with the statement that " Experian will not investigate this information again. The accounts in question are both unknown and unverifiable because of the incorrect address and provider names. I did not receive service during the time frame and from the providers listed and can only assume that their " furnisher '' or vendor is providing unsubstantiated and erroneous data thus harming my credit score.

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 2021-11-25
Company: T.S. Holdings
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hello, I complained against IQ DATA collection company on XX/XX/2021. 
Complaint number XXXX. 
Unfortunately, this company is a XXXX. 
The company just did not submit the correct documents to you and invented very strange stories and legends. 
At the height of her XXXX, she approached all the credit companies against me and even at the height of her XXXX, she blocked my credit card. 
It hurt me in my economy and my family 's economy very much. 
It also hurt the excellent credit I had very much, And that's why I've been suffering for 9 months. 
Unfortunately, this company has no XXXX. Because she did all this during the difficult Covid-19 period, you went through all over America and the whole world. 
During this time I suffer greatly. 
I have contacted IQ DATA collection company many times. And I even proved to them that they were wrong. 
But unfortunately, it took so long till the company realized that they were wrong ( either they have no absorption, or they intended to hurt me ) after they realized, To date they have not removed their collection debt from all 3 credit bureau, Despite the many promises I received from them. 
And unfortunately, I had to turn to you again and ask for your help. 
Attached is a proof sheet of the mistake of the negligent collection company. 

I AM TRYING TO REFINANCE MY MORTGAGE BUT I CANT BECAUSE OF THIS COLLECTION COMPANY I demand from this despicable collection company. Immediately remove all the bad reports that have stuck to me from all 3 credit bureau companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Transaction issue

Complaint:
Repetitive unauthorized charges to credit card account - when I call the business ( XXXX ) they argue with me and say that my wife authorized the charges when she charged a rental car from XXXX XXXX XXXX XXXX on our credit card account -we have the rental car statement printout and there is no such charge reflected. XXXX will agree initially to " cancel the membership '' PROSPECTIVELY - but not give a credit for the unauthorized charge. When I press the matter ( XXXX ) about this being a fraudulent, unauthorized charge ( and threaten to contact the FTC or file a class action lawsuit ) - they agree to issue a credit. This has happened repetitively. This is scam. The FTC or someone in the U S Government needs to investigate XXXX XXXX XXXX XXXX and/or " XXXX Shopper ''. Someone similarly situated to me who is not a lawyer and who is not versed in their legal rights would probably not receive a credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-15
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: Investigation took more than 30 days

Complaint:
I have identified several " hard inquiries '' on my Equifax Consumer Credit Report that were unauthorized, or that I do not recognized. These inquiries were already disputed with Equifax over ten ( 10 ) months ago. However, it appears that Equifax failed to process my dispute and/or respond to my inquiry. The inquiries in question are : EQUIFAX MORTGAGE XXXX ( XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX  ( XX/XX/XXXX ; Unrecognized ), EQUIFAX MORTGAGE SER XXXX XX/XX/XXXX ; Unrecognized ; inquiry letter was returned as " undeliverable '' ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX ( XX/XX/XXXX ; Unrecognized ), XXXX XXXX  ( XX/XX/XXXX ; Unrecognized and duplicative [ two occurred on the same day ] ), XXXX, XXXX ( XX/XX/XXXX ; Unrecognized ). Equifax only had thirty ( 30 ) calendar day as per the FCRA to process my dispute. Equifax is currently in violation of federal law and must rectify the situation immediately. The removal of the disputed inquiries would be sufficient to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
I have a Sams Club Credit Card issued by Syncrony Bank. The account ends in XXXX. Today I logged onto the Synchrony web-site to check the statement balance on the card, I was unable to determine that information, though the current balance in prominently displayed. Unable to find the information, I call Synchrony Bank and spoke to a customer service agent. The agent, very polite, informed me that I could not see that information on the web-site, nor could she provide it to me by telephone, because I had not enrolled in e-statements. She did offer to mail me new statements that would arrive in 6-10 business days. While I do not know if this is a regulatory issue, it seems the intent of Synchrony is to withold information from clients who wish to continue receiving paper statements. Being over XXXX, I am not comfortable relying soley on this delivery method.

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 2021-11-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX {$0.00} XXXX XXXX XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: AR
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:
EXPERIAN has made a major negative impact on my life. EXPERIAN has caused me several hardship, mental anguish, XXXX, and even marital problems with my wife due to an assumption EXPERIAN made. They reported that XXXX XXXX # XXXX was late ( XX/XX/XXXX and XX/XX/XXXX ) and deleted positive payment history from XXXX and XXXX without first consulting with me, making the results of their initial investigation into the account impartial, unfair, and inaccurate. They also infringed upon my right to privacy by communicating about me with a third party and reporting only exactly what they communicated. With all of what I stated, they violated sections 15 USC 1681 ( a ) ( 1 ), 1681 ( a ) ( 4 ), 15 USC 1681 ( a ) ( b ), and many more.

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 2021-11-25
Company: EQUIFAX, 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:
I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in XXXX. Lets correct this immediately. XXXX is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX BANK XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bmo Harris let XXXX altered checks go through my checking account by pulling money from my money market. They shouldve allowed the XXXX checks to be cashed. The checks was stolen from my mailbox and the person altered the amount and endorsement the check to themselves. The check was cashed at a bank or currency exchange. The checks were cashed on XX/XX/XXXX and XXXX. Bmo took the money from my money market to cover charges. I have attached a picture of the police report number.

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 2022-05-06
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
DIscover Bank has me listed as account abuse which hinders me from opening any kind of account. They also have about 15 inquires of me trying to open an account with them which is ridiculous becaude why would i want to bank with them after they said i abused ther account, i even had a credit card with them, There also a lot of inquires with banks that i had never tried to open an account with in my life. I belive someone is using my information to try and open these accounts. I cant even get a simple checking account. please someone help me re solve this. my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a threatening voice mail from an  XXXX   XXXX  stating that she was from HSBC at  XXXX . She threatened me with the following statements : That they will find my employment, freeze my assets, and that my " personal finances will be interrupted '' in 72 hours if I did not contact them. When I called her back, she became extremely argumentative and when I asked for her supervisor, she refused to transfer my call. She hung up on me. I called her back and when I asked the lady who answered for a supervisor, she indicated that she was one. When I told her I wanted to know why they had threatened me, she became evasive. I asked her for her supervisor and she hung up on me. All in all, I tried 4 calls to find out why they were calling me, or if the call might have been for my mother. These people were rude, threatening, and should be stopped from making threats. I have attached the voicemail recording for your information and review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: EQUIFAX, INC.
State: IN
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:
These need to be removed from my equifax credit report. I have already disputed them multiple times and they keep coming back up, causing me to have to re dispute them again. I am a victim of fraud and identity. This account and inquires are fraudulent and they are not mine. 

Item disputed XXXX - XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I believe I am a victim of fraud or identity theft and this account was fraudulently opened in my name. 
Item disputed XXXX XXXX XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine. 
Item disputed XXXX XXXX Issue I believe I am a victim of fraud or identity theft and this inquiry is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
It has come to my attention that Transunion may have been inappropriately using my information for solicitation purposes or to create negative informationon my credit report. I recently have received several calls from numerous solicitors and potential creditors which not only interrupt my work day but are received at very inconvenient times of day and evening. One specific company that shows on my voicemail is " client services '' and after doing some research online I became aware of legal actions and issues in regards to Transunion for " dark pattern '' practices and misusing consumers information. I may be a victim of said action.

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