BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-30
Company: SYNCHRONY FINANCIAL
State: NV
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We purchased a Refrigerator from J.C Penny store on XXXX2017 and it doesn't work at all. No cooling whatsoever. We contacted them several times then, and finally came on XX/XX/XXXX to pick-up their Defective appliance, Selling Defective Appliances really terrible, they charges us XXXX  for the Refrigerator. And XXXX for the Windows Blinds., and on other statement showing $800.00 some dollars. Therefore; J C Penny must removed the Refrigerator price from the statement period. and rectify the Blinds amount correctly.

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 2017-08-30
Company: SUNTRUST BANKS, INC.
State: GA
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:
XX/XX/XXXX, rented a car from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX, XXXX XXXX Ga. The close out receipt called for a single payment of {$470.00}, which I accepted and left the airport. My credit card was charged {$260.00} w/o my legal authorization. Dealing with XXXX, they alleged it was for a damaged window, which I had company rental agreement stating the vehicle was already damaged. Next allegation, it was for loss of use of vehicle and subsequently, it was for 2nd rental. I filed a fraud complaint with Suntrust somewhere around mid XX/XX/XXXX and before XX/XX/XXXX. During that period, XXXX agreed to recredit the card on XX/XX/XXXX. Instead XXXX charge my card against while SunTrust was sitting on a fraud complaint. I received a letter from SunTrust XX/XX/XXXX stating my case was closed, even though XXXX had just issued an unauthorized purchase to the personal credit card.
SunTrust habits with complaints is act as thou the charging party is apart of the bank operation and appears to assist in undermining the customer rights under federal law.

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 2017-08-30
Company: W.J. BRADLEY MORTGAGE CAPITAL
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 status incorrect

Complaint:
PLEASE FIND ATTACHED LETTER I WROTE TO THE MORTGAGE COMPANY THAT I USED TO BE WITH AND PAY PAYMENTS. THEY ARE REPORTING LATE PAYMENTS, I WAS XXXX TO XXXX BACK THEN AND MY PARENTS TRIED THEIR BEST TO HOLD ON TO WHAT I HAD CREATED AND WITH ALL THE DIFFICULTIES THEY HAD TRIED THEIR BEST TO MANAGE TO MAKE PAYMENTS AND BE THERE FOR ME. 
I TRIED TO CALL THE MTG CO. BUT THEY ARE NOT IN BUSINESS ANYMORE AND ASKED TO LEAVE A MASSAGE. I HAVE NEVER RECEIVED ANY CALLS BACK TO RESOLVE THIS ISSUE. 
PLEASE HELP ME TO REMOVE THIS NEGATIVE MARKS FROM MY CREDIT REPORTS I NEED TO REFINANCE THIS HOUSE AND HOPEFULLY GET MARRIED AND START A NEW LIFE. 
MY RECORD IS SPOTLESS EXCEPT THIS TINY TIME WHICH I WAS NOT AROUND AND WAS SUPPORTING MY COUNTRY. NOW I NEED YOUR HELP TO REGAIN MY POWER AND BEGIN A NEW LIFE. 
APPRECIATED

Company response to consumer: Untimely response
Consumer complaint received 2017-04-21
Company: URS Holding, LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My payments are being made as they wised. I only owe a little over  XXXX  $ left on a reposessed car and they are calling nonstop to get even more money out of me and calling family members of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Experian Information Solutions Inc.
State: NV
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:
Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

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 non-monetary relief
Consumer complaint received 2020-02-16
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have a PayPal account and two transactions showed up today in the amount of XXXX European dollars. The money was sent to XXXX XXXX and I did NOT authorize either one of these transactions. I disputed both transactions with Paypal and they said that they could not find anything wrong with either transaction. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 Transunion should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This reporting is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2022-08-16
Company: Experian Information Solutions Inc.
State: CA
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:
Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error. 

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within XXXX days of reciept of this complaint. 

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past XXXX months. 


I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

XXXX Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.

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 2020-02-16
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: Credit inquiries on your report that you don't recognize

Complaint:
I filled out an application online to try to refinance my truck. I dont remember the website because once the app was filled out in changed hands. The website shared my info with many different credit sources and the last few days I have had 6 different credit inquiries added to different credit reporting bureaus notification system. I am suspecting my information was shared and the credit inquiries are being made illegally without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I filled out an application online to try to refinance my truck. I dont remember the website because once the app was filled out in changed hands. The website shared my info with many different credit sources and the last few days I have had 6 different credit inquiries added to different credit reporting bureaus notification system. I am suspecting my information was shared and the credit inquiries are being made illegally without my consent.

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 2022-08-16
Company: CITIBANK, N.A.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
After having this account for XXXX years in good standing I recently submitted a payment that paid off the entire {$9000.00} balance. The very next notice I get from Citi is that theyve reduced my credit limit by XXXX XXXX from XXXX XXXXXXXX {$2000.00} which negatively impacts my credit by artificially increasing my overall credit utilization. My risk profile did not change and the only activity I took was paying off the account. I took actions that reduce Citibanks risk they then punitively and negatively impact my financial health. The rationale given in the change letter was that my balances on my Citibank accounts were too high in proportion to the credit limit. At the time I had few XXXX dollars on the XXXX XXXX and a {$400.00} out of {$1000.00} available credit on a XXXX XXXX store account managed by Citi, so neither XXXX of those statements is true or accurate. I called Citibank and their only remedy was to push through a request for credit limit increase which will again have a negative impact on my credit score. They can set whatever limits they wish to run their business but this was an active punitive measure that did not occur until I paid off the 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 non-monetary relief
Consumer complaint received 2017-08-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX has sent numerous documents to Wells Fargo and the credit bureaus, proving I am the victim of identity theft. XX/XX/XXXXWells Fargo finally replied to XXXX XXXX after months and months of requests for validation of the above listed debt. We are responding to a few inaccurate assumptions made by them in their verification/ debt validation reply. 

In XX/XX/XXXX I traveled to XXXX from XXXX, did not return to the United States until XX/XX/XXXX. The E-ticket attached proves this point. We believe it is a physical impossibility for her to be in two places at the same time. 
2. Page 4 has a credit card statement ( please see attachment ) For an XXXX XXXX residing at XXXX XXXX XXXX # XXXX XXXX CA XXXX 
3. Page 5 has a credit card statement for the same individual residing at XXXX XXXX XXXX XXXX CA XXXX. 
I have never resided at either of these addresses. Please see the attached utility statement document for proof of residence during that time period. 
I find it hard to believe Wells Fargo would allow a credit customer to have two different billing addresses for the same account. 
I would also like to point out that the Police reports filed, and sent to Wells Fargo did not show either of those manufactured addresses.

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 2018-05-16
Company: AES/PHEAA
State: MN
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:
On XXXX2016 XXXX XXXX made a final attempt to have the college debt discharged. 
XXXX XXXX XXXX XX/XX/16 to XXXX Hello, I did all of the steps to discharge my loans but I'm not seeing any results. 
I have been XXXX with a XXXX XXXX and one of my options with the student loan program is to discharge if I'm with a XXXX XXXX. 
I would like someone to follow up with me and assist me with finalizing this option. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
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: Investigation took more than 30 days

Complaint:
This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. 
As you are well aware, federal law requires you to respond within 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 Co

mmission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Lending Club Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I found out that there was loan under my name from company called Lending Club. 
Couple months after, my credit point dropped over 100 points, and I started calling credit companies, XXXX, XXXX, XXXX  to dispute for this amount. I have never requested personal loan from Lending club, nor received money. I tried call this loan company, but it is unreachable by phone. I sent an email and they sent me a letter which didnt explain anything about my concern. Therefore, I filed a complaint about this fraud on police department in XXXX, TX. I am guessing someone stole my identity. I have received a letter from a collection company called XXXX XXXX XXXX XXXX which amount of {$13000.00} on XX/XX/2020. I am a victim of identity theft and looking for help to resolve this issue. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: Square Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I had a friend send me XXXX to the cash app I was told there was no transfer fee well they told me I had to go to the closest store and buy a XXXX  card for XXXX XXXX and send them the card then my money would be cleared and added to my balance. I sent one XXXX card for XXXX then the second card with XXXX they told me the card was used and cusses at me. And says they can't take that for payment and for me to buy another XXXX card for XXXX $ I just bought that XXXX card. And never used it before. And they say it's used. it wasn't. it was new then they won't refund the XXXX XXXX  card. Cause they wont and I'm out XXXX as well as the XXXX they sent to cash app .. Which isn't even in my account that even says it was sent. it disappeared. And I have pictures of. The letter they emailed me stating the XXXX is there but I have to clear it before I can have it added to my cash app. Account. So I did what they asked .i was told that the app is fake made with people scaming. Other people .. I just want what sent to me the XXXX and the XXXX they took off tbe XXXX   card I sent tjem I have pictures and screen shots of everything. Thing that went on. my email is XXXX Please get to the people that are scaming because there's not suppose to be a fee to send or receive. Cash on Cash app. thank you for your time. XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
Account was not verified properly. I am not liable for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
posted debt on to all credit bureaus, without providing me with the original documentation. The Fair credit act allows me to request the documentation to verify and validate. I requested this at the beginning of XXXX 2022, which is over the 30 day mark. I have rights that I have not received with this issue. Also, in California any credit related debt after 3 years can not be collected it is a law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX XXXX, XXXX, I requested in writing that Fair Collections & Outsourcing validate their claim for {$610.00} for carpet damage. They would never provide a ledger to prove age of carpet in order to calculate prorated cost as stipulated by state law. Also no proof of damage was given. On XXXX XXXX, XXXX, Fair Collections & Outsourcing offered a settlement of {$300.00} but provided no proof of debt. The collection is listed on my credit reports for {$610.00}.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: DE
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:
Recently, I did an investigation on my consumer report which has caused XXXX XXXX XXXX XXXX upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 

-15 USC 1681 ( a ) ( 4 ) : states that I have the right to privacy as a federally protected consumer.

-15 USC 1681b ( 2 ) : states a consumer reporting agency can not furnish an account without my written instruction or oral instruction -15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercise their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy.

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 2022-08-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
Equifax recently admitted to giving false scores and that forced higher rates i didn't give them my consent and they violated my privacy and i want it all off of my credit report as a consumer i have rights that protect me from these practices. And want them to be held accountable for there actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
There have been a ton of multiple unauthorized access to applying to numerous credit cards hard hits on my social security number. Ive been a victim of identity theft and I had fraud claim through IRS in which I was a victim of too. I hired XXXX XXXX XXXX to clean the mess up in XXXX and got my credit back on track score was XXXX in XXXX now it is XXXX its XXXX All because someone keeps applying for credit cards in my name. Ive tried to get my credit report from XXXX  and Ive sent them all the documents necessary to by law and never received them. XXXX  was hacked my number was involved with millions consumers. Ive even waisted my money on there website to see my report they have locked it. I have every legal right to see my consumer finance profile and it is being illegally with held from me. I want something done about these hard hit inquiries removed points back on my credit report especially when I did not authorize I have FREEZE for fraud against 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 2017-08-30
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Through multiple requests it is nearly impossible to get a mortgage payoff statement from Seterus in order to close on the sale of my home. I requested 2 months in advance and again a week before.

Company response to consumer: Closed with explanation