BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

-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  A copy of my Identity Theft Report and proof of my identity .

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Looking for your agent to get an evidence report from Merill XXXX to see the hacker how to hack my account. SO far, there are six months over, I still can't get any formal response from Merrill XXXX yet.

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 2023-10-30
Company: DISCOVER BANK
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
The credit card/banking companies involved are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This/These companies rec 'd payments to properly pay the account ( s ) in the name of " XXXX XXXX XXXX '' XXXX 

Despite this/these tendered payment ( s ), said company ( ies ) refused to accept the same, without cause, and, it is believed that they did not return the payment ( s ) to the issuing agent, and simply deposited these monies into its/their general fund without properly crediting said account ( s ).

This/These companies then continued to send threatening billing notices, and made constant collection calls requesting payment ( s ). Despite my efforts to properly resolve any confusion, said companies have refused to obey the law, and continued to illegally request payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  charged off my credit card account and as been reporting it illegal on my credit report i have sent them numerous letter and fax to remove it. i am getting lawyers together this is absolutely ridiculous. you can not report a charge off account the way you are reporting it adandn experian as confirmed multiple times that the information is being reported accurately so hopefully the lawyers can shed some light on this. please remove this charged off account the dates are wrong the amount is wrong its not following any of the fair debt reporting laws and i have seriously had it with this company no 1099 was sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  charged off my credit card account and as been reporting it illegal on my credit report i have sent them numerous letter and fax to remove it. i am getting lawyers together this is absolutely ridiculous. you can not report a charge off account the way you are reporting it XXXX  experian as confirmed multiple times that the information is being reported accurately so hopefully the lawyers can shed some light on this. please remove this charged off account the dates are wrong the amount is wrong its not following any of the fair debt reporting laws and i have seriously had it with this company no XXXX was sent to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was denied my own credit. As attorney in fact this is a violation of The Equal Opportunity Credit Act. Please do a secondary assessment and accept this credit application for highest amount possible. Otherwise this would be a federal violation and securities fraud. 

Are you aware your underwriting department is commiting a federal crime by denying me my own credit set forth as full faith and credit of the US? Are you aware that multiple cases have been settled based on this same claim. Lets avoid embarrassment and settle my accounts correctly or i will have to get an irs audit to satisfy my remedy. 

Since i am denied retract my application and return my original application! You are denying you access to my credit and that is discrimination against my person and violates the Federal Equal Opportunity Act [ This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act ] I am in good faith did what I could as the consumer to access your credit and was denied so Retract my application and return my original application. Retract my application. This serves as a notice of dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Examine the attached documents. I request the bureau to initiate an inquiry into these accounts, which I have never been late on, yet they are reporting tardiness.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXK XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I heard about the Cfpb through an XXXX XXXX and used the tools they gave me the same day. 
I opened a non-profit XXXX account ( Be the XXXX ) with my bank about seven years ago. I visited the bank on Friday XXXXXXXX XXXX XXXX to obtain statements and I discovered at that time that I had been charged ananalysis fees every month since the opening of the account - $ XXXX {$30.00} for each occurrence. I was only made aware of this error when I went to the bank to aquire statements for our upcoming event. Regrettably, I had never received a statement on this account. I spoke with both branch managers and was advised that while the error in charging this fee was the fault of ( my Bank ), I would only be able to receive 2 of the fees back into my account as a refund. This ultimately, did not seem right and I felt as though my ministry had been robbed. 
The 2nd branch manager I spoke with gave me options and was truly sincere in her trying to make this right. Unfortunately I had to visit the bank again Tuesday XXXXXXXX XXXX XXXX I wanted to see if Regions will make this right before I took any additional steps to rectify this issue. I started this account to store funds for our non-profit organization to go into schools and cast vision with our children about their futures and also give back to our community. 
I went to my bank and spoke with a branch manager and he only said I should have been looking at my statements. The fees totalled over {$2000.00} worth of fees since I opened the account. 

My request was simple ; " I would like a full refund of all analysis fees that I was charged for this account. '' I have contacted the Cosumer Financial Protection Bureau and received help from them on this matter. I explained to them that I wanted to make sure that I do everything possible that I can do with my bank of over twenty years before I took any extra measures to make this right. 
After 10 days of people saying " no '' I had to standup for myself and I told the boss over that branch that I wasn't stopping until those ministry funds are returned. 
I would like to file a complaint on how poorly I was treated and how they spoke to me, placing fault on me because I didn't see their error and stop them. 
I'm proud to say they have approved the refund of all fees

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 2023-11-13
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
This is in addendum to the compliant filed a few days ago against Carrington Mortgage Company LLC. 
XXXX. The higher figure they are requesting me to pay is based on if if I allowed them to do a loan modification for me which they did not. 
I have copies of the papers where they dated I would pay $ the higher figure of {$1900.00} and some change. 
XXXX. XXXX XXXXXXXX stepped in and made my mortgage current by giving Carrington. The funds needed to keep my mortgage payment at its current rate, which was stated in the previous statement sent in the complaint on Thursday of last week to Carrington.. 
XXXX. Ive spoken to the FHA, and Carrington knows the rules that when a mortgage is caught up, the payments go down, which I will supply proof of that they do not go up and Carringtons to stop playing games, trying to take advantage of a situation and make extra money has been turned around from a negative to a positive. 
Mortgage payments do not go up as money is paid to decrease the debt. 

I dont think the departments within the company speak to one another as you can see the various discrepancies that were presented in the previous complaint on XX/XX/2023 concerning this matter .Hopefully XXXX XXXX XXXX and other senior officers get on board and do the ethically right thing toward God and me. Cheating people is not right! nor an ethical practice for a business They signed a legally binding contract with the state of New Jersey, which was submitted in the previous complaint of what my correct mortgage payment should be and I expect Carrington to honor it. Mortgage payments do not go up they go down. My mortgage payment is an FHA and it is not variable or based on what they think it should be. I would suggest that they rethink their methodology, and the way they do business with the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I paid PayPal  off the full balance of the account and for three years they have denied receiving the payment and continues to charge interest and fees for three years and report me to the credit unions and I have contacted the Attorney General in Florida and Massachusetts. Ive written into and reported XXXX XXXX for them to finally finish their fraud investigation through XXXX XXXX and I sent the statement showing the cancelled check from XX/XX/. Ive written continued letters, certified letters, faxes, and made phone calls. Ive spent so much money for copies, mailings, faxes. Ive sent the investigation letter proving they received the payment and I had XXXX XXXX contact them by conference call with my daughter and myself. They were told to stop sending me letters, statements etc and stop charging fees and interest and the emails, letters, phone calls are daily and worse? I am XXXX with a XXXX XXXX and XXXX XXXX and this has caused tremendous stress and huge issues with my credit reports. Theyve taken off the payments and put them back on three times. I keep having to send the credit unions envelopes of proof of all dispute material. The Attorney Generals contact gave me the address of the XXXXwo PayPal Managers and theyve been sent certified letters twice. I have all this proof if you would like me to mail. Synchrony Bank was sending All letters and changed it to I need to contact PayPal to find the money that they received?? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA 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 2023-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX and Transunion are reporting late payments on my XXXX XXXX XXXX account when I was not late. This account was included in a Bankruptcy. Transunion and XXXX are reporting late payments after my bankruptcy was discharged and I was never late. 
I should have 100 % payment history and I do not hurting my Fico score. 
This is NOT accurate and the account should be deleted from my credit report with XXXX and Transunion!!!

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 2023-11-30
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting 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:
MY CREDIT WAS USED WITHOUT MY CONSENT TO OBTAIN DREDIT I HAVE UPLOADED FILES

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 2023-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Date restricted : XX/XX/XXXX Been a member since : XXXX Why was the account restricted : XXXX payments reported as fraud. 

XXXX in customer protection and resolution At capital one spoke with me and told me capital one is accusing me for doing fraud. 
Through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$100.00}

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 non-monetary relief
Consumer complaint received 2023-12-21
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit 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:
In XX/XX/XXXX two charges were made to my Verizon Synchrony credit card for two ( 2 ) blenders from XXXX ( {$960.00} and {$960.00} ). At this same time, my email account was signed up for many ( 50+ ) foreign/non English websites. I immediately ( next day via telephone ) cancelled both items from XXXX and requested XXXX to credit my account and have unsubscribed to many of these websites. 
Verizon Synchrony credited my account for one of the charges, but refuses to clear the other charge ( {$960.00} ), indicating that " both blenders were delivered to my home ''. They have never produced shipping information.

Dealing with Synchrony Bank has been a nightmare of automated messages & company representatives that say they will clear my account, but have not - one charge ( {$960.00} ) is still being charged to my account.

My last invoice from Verizon Synchrony Bank shows a " balance transfer '' of {$960.00}. I think they initially deleted this charge, and added it back on to my XX/XX/XXXX bill.

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 2023-12-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please conduct a thorough investigation to determine the origin and legitimacy of the unauthorized inquiry.

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 2023-12-22
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit reporting 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:
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Reported inquiry that was not mine XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DE 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